{"meta":{"key":"s_or--pass-07","task":"S_OR","title":"SOR Oregon mandatory agreement, disclosure, and consent component","parent_title":"Oregon debt and debt relief law","edition":"pass-07","path":"/research/s_or--pass-07/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":8,"claims":42,"sources":19,"review_status":"revise_bounded_waiver_subject_severability_wording_pending","review_complete":true,"sha256":"a3b8ffb15ab72544794da66c6e3d34f0a8b5b7a04af1bb25a0540732b404169d","headings":["Currentness limitation","1. Prerequisites before agreement, services, and money","1.1 Best-supported state sequence","Important sequence distinction","1.2 General budget-analysis contents","1.3 Credit-improvement budget","1.4 Suitability, feasibility, and ability","1.5 Model distinctions","2.1 Written agreement clauses","2.2 Required disclosure document","2.3 Model/application matrix","3.1 Formation and copies","3.2 Oregon UETA baseline","3.3 Special consumer electronic-consent conditions","3.4 Retainability and delivery","3.5 Federal E-SIGN","3.6 Primary-residence notices","3.7 Cancellation by email or fax","3.8 Record retention","3.9 Language, readability, and form","4.1 Consumer cancellation","Early branch","Later branch","4.2 Provider termination","4.3 Void waivers and prohibited clauses","4.4 Adding debts or changing services","4.5 Fee or payment changes","4.6 Assignment and successor provider","4.7 Automatic renewal and continuous service","5.1 Current application materials","5.2 Public model documents","5.3 Persels & Associates, LLC v. DCBS","5.4 Daniel March / Litigation Practice Group final order","5.5 Trimarche / GST Factoring consent order","5.6 Premier Legal Service default order","5.7 No controlling e-signature or amendment case located","Example 1 — Compliant paper-sequence boundary","Assumed events","Result","Failure variants","Example 2 — Electronic agreement workflow","Assumptions","Result","Failure variants","Example 3 — Noncustodial settlement disclosures","Inputs","Required document result","Remaining hold","Example 4 — Cancellation delivery and current balance","Early branch","Later branch","Preserved balance cases","Example 5 — Adding a new debt","Starting agreement","Later event","Supported boundary","Unresolved mechanics","Example 6 — Prohibited waiver and blank-field clause","Proposed terms","Result"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_OR/pass-07","facets":{"geography":["us","us-or"],"debt_type":[],"stage":["origination"],"subject":["agreements-disclosures","limitations-revival","privacy-data"]},"scope":"ExactreviewedP1remaining fullagreement/disclosure/signature/electronicconsent/amendment/notice/language gap, priorreviewedfee/funds/bond andP6unaccepted precisionholds retained.","pending_corrections":1},"markdown":"# S_OR PASS-07 — Oregon mandatory agreement, disclosure, and consent component\n\n**Fresh research-access date:** October 25, 2026, Pacific time / October 26, 2026, UTC.\n**Mode/model actually used:** Regular Chat, GPT-5.6 Sol Pro.\n**Pass boundary:** This pass addresses only Oregon’s pre-agreement analysis, written agreement, disclosures, signatures, electronic records, delivery, retention, cancellation and termination clauses, amendments and related contract boundaries. It does not rerun Oregon fees, consumer funds, bonds, federal debt-relief timing, provider registration, or prior corrections.\n\nThis is a focused researcher record, not an independent review, component acceptance, Oregon-state acceptance, A066 acceptance, operational approval, or publication approval.\n\n## Currentness limitation\n\nThe complete current official OAR Division 910 display and current DFR operational materials were freshly read. The ordinary official current ORS Chapter 697 route remained inaccessible; it was not repeatedly retried or circumvented. The readable ORS 697.652 and 697.707 reproductions state that their underlying official source was last accessed May 10, 2025 and that their compilation combines the 2023 ORS with 2024-session changes despite an “early 2026” label. The official 2009 enrolled enactment corroborates the core agreement and disclosure wording, but is not a complete current amendment chain. [Oregon Secretary of State+2](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179)\n\nThe same limitation applies to the Oregon electronic-transactions and automatic-renewal statutes used here: current-readable secondary text was examined, but the ordinary official chapter routes were not recovered. Federal E-SIGN sections were freshly read from the Office of the Law Revision Counsel’s display, which stated currency through Public Law 119-120, October 7, 2026. [OregonLaws+2](https://oregon.public.law/statutes/ors_84.004)\n\n# Executive determinations\n\n1. **The required onboarding package is not merely “a contract.”** A covered, nonexempt provider generally needs: a completed written budget analysis; a feasibility and advantageousness determination; a written budget document given to the consumer; a signed disclosure document; a written agreement signed and dated by both sides; and a legible copy delivered as soon as practicable. Services cannot begin without the written agreement, and a fee described in ORS 697.692 cannot be charged or received before the ORS 697.707 disclosures. [Oregon Secretary of State+2](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179)\n2. **Both the budget package and signed disclosures precede contract entry.** OAR 441-910-0145 forbids entering the agreement until the analysis is completed and services are determined feasible and advantageous. OAR 441-910-0200 requires retention of disclosure documents signed before contract entry. The reviewed text does not prescribe which of those two precontract steps must occur first. [Oregon Secretary of State](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179)\n3. **Most agreement clauses are written broadly, not only for traditional custodial DMPs.** The statute expressly makes the “reasonable amount” clause conditional on provider custody and the quarterly statement clause dependent on funds held. But the debt schedule, access, completion estimate, cancellation, provider-termination, and creditor-notification clauses are not textually limited to a particular model. DFR’s webpage groups several of those provisions under companies doing “more than just credit repair,” which is operational guidance narrower than the literal statutory text. [OregonLaws+1](https://oregon.public.law/statutes/ors_697.652)\n4. **Credit improvement has a special reduced-content budget rule and additional credit-report disclosures, but the previously identified credit-only conflict remains.** OAR 441-910-0145(2) requires a reduced credit-improvement budget, while ORS 697.692(1)(f) describes the fee branch as one where the provider “does not conduct” a budget analysis. This pass does not resolve that tension by silence or by treating DFR’s webpage as an amendment. [Oregon Secretary of State+1](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179)\n5. **A noncustodial label triggers additional disclosures; it does not itself prove a valid noncustodial account.** Any provider that does not hold consumer funds directly or indirectly must make the six additional ORS 697.707(4) statements. Actual account ownership, provider access, administrator authority, and custody remain fact-dependent and preserved from PASS-03. [OregonLaws](https://oregon.public.law/statutes/ors_697.707)\n6. **Electronic execution is possible but not automatic.** An electronic symbol or process can satisfy writing and signature requirements when the parties agreed to transact electronically, the signature is attributable to the signer, required records are retainable and reproducible, and—where the special consumer rule applies—the consumer gives informed affirmative electronic consent that demonstrates access to the format. “Sent by email” or “clicked a box” is not, standing alone, a complete legal analysis. [OregonLaws+3](https://oregon.public.law/statutes/ors_84.013)\n7. **Chapter 697 does not provide a general amendment, assignment, or automatic-renewal procedure.** A new debt cannot be serviced while omitted from the agreement’s required debt list; the safest supported inference is that the written agreement must first be amended or replaced. The exact amendment form, re-signature procedure, assignment rules, and successor obligations were not specified in the reviewed Chapter 697 text. A separate Oregon automatic-renewal law may conditionally apply to a personal/family/household paid subscription or continuous-service arrangement, but that characterization has not been established for any actual program. [OregonLaws+3](https://oregon.public.law/statutes/ors_697.652)\n8. **No current DFR model agreement or complete state disclosure form was recovered.** DFR requires applicants to upload their own sample agreement, disclosures, and budget worksheet. The public forms page did not list a DMSP model contract, and the dynamic NMLS checklist did not expose readable contract text through the public route. Submission of a sample is not the same thing as state approval of every clause. [Oregon Secretary of State+2](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179)\n\n# A. Substantive findings\n\n## 1. Prerequisites before agreement, services, and money\n\n## 1.1 Best-supported state sequence\n\nThe following is the most precise sequence supported by the current official rules, current DFR guidance, readable statutory text, and historical enactment. The event numbers establish sequence, not elapsed days.\n\n| Event | Required act | Legal timing | Qualification |\n| --- | --- | --- | --- |\n| **E0 — classify the activity** | Determine whether the proposed conduct is a covered debt-management service and whether a proved exemption applies. | Before relying on the Chapter 697 agreement package or claiming exemption from it. | Exemption boundaries remain preserved from PASS-01. The claimant bears the statutory burden of proving an exemption. [Oregon Secretary of State+1](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179) |\n| **E1 — collect the consumer facts** | Obtain the financial, debt, housing, income, creditor, and other facts needed for the applicable budget analysis. | Before completing the analysis. | No private consumer information was supplied or requested here. |\n| **E2 — complete the budget analysis** | Prepare the applicable written or readily reducible-to-writing analysis. | Before entering the agreement. | General and credit-improvement analyses have different minimum content. [Oregon Secretary of State](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179) |\n| **E3 — suitability determination** | Determine that the proposed services are feasible and advantageous; form a good-faith belief that the consumer can or will comply with the agreement. | Before contract entry and before service performance. | “Advantageous” considers suitability and ability to pay, not merely potential debt reduction. [Oregon Secretary of State+1](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179) |\n| **E4 — deliver the budget package** | Give the consumer a written document stating that the analysis depends on consumer-provided information, discussing advantageous options, including the budget copy, and warning that creditors may reject the plan. | Before agreement signature because the separate analysis must be given before both parties sign. | No universal oral counseling-session requirement was located; the required written package cannot be replaced by a sales call. [Oregon Secretary of State+1](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179) |\n| **E5 — provide and obtain signature on disclosures** | Give the ORS 697.707 disclosure document, including universal and model-specific disclosures, with the consumer’s signature under the read-and-understand statement. | The current record rule describes the disclosure documents as signed before contract entry; all required disclosures must precede charging or receiving an ORS 697.692 fee. | The reviewed law does not fix E4 versus E5 order; both must precede contract entry. [Oregon Secretary of State+1](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179) |\n| **E6 — execute written agreement** | Consumer and provider sign and date a written agreement containing all applicable mandatory clauses. | Before performing a debt-management service. | Blank spaces may not remain at or after consumer signature. [OregonLaws+1](https://oregon.public.law/statutes/ors_697.652) |\n| **E7 — deliver contract copy** | Give the consumer a legible copy of the signed and dated agreement. | As soon as practicable after both sides sign and date it. | No exact number of days is stated. [OregonLaws](https://oregon.public.law/statutes/ors_697.652) |\n| **E8 — perform services** | Begin only services described in the written agreement. | After agreement entry. | No Oregon Chapter 697 clause located here imposes a separate state service-hold period during the early cancellation window. Federal credit-repair or other law may independently do so and remains outside this rerun. |\n| **E9 — request or receive money** | Charge or receive only a legally applicable fee after required disclosures and subject to all fee-specific, contract, performance, and federal limits. | ORS 697.707 disclosures are a minimum prerequisite, not complete fee authorization. | A disclosure does not turn a ceiling into an earned fee or resolve the saved savings-discharge and credit-only issues. [OregonLaws](https://oregon.public.law/statutes/ors_697.707) |\n\n### Important sequence distinction\n\nThe state texts establish different predicates:\n\n- **Before agreement:** analysis completed; feasibility and advantageousness determined; separate budget analysis given; disclosure documents signed.\n- **Before service:** written agreement entered.\n- **Before an ORS 697.692 fee:** required disclosures made.\n- **After execution:** legible signed-and-dated copy given as soon as practicable.\n\nThey do not establish that every possible fee must wait until after the agreement solely by virtue of ORS 697.707; that question remains part of the preserved fee analysis. Likewise, the early cancellation period is not an expressly stated Oregon service standstill. [Oregon Secretary of State+2](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179)\n\n## 1.2 General budget-analysis contents\n\nFor a general debt-management agreement, OAR 441-910-0145 requires, at minimum:\n\n- consumer name and address;\n- number of dependents;\n- all wages, salary, and other income;\n- federal withholding exemptions;\n- payroll deductions and net pay;\n- housing costs or specified home liens and liabilities;\n- other fixed periodic payments;\n- reasonable and necessary living expenses;\n- complete creditor list, including accounts inside and outside the proposed service;\n- garnishments and judgments;\n- periodic amount available for the plan; and\n- anticipated near-term economic changes.\n\nThe analysis must be written or readily reducible to writing. The provider may not enter the agreement until the analysis is complete and the services are determined feasible and advantageous. [Oregon Secretary of State](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179)\n\n## 1.3 Credit-improvement budget\n\nFor an agreement to improve or preserve credit history, record, or rating, the rule prescribes a reduced minimum set:\n\n- name and address;\n- income;\n- housing costs or specified home liens and liabilities;\n- fixed periodic payments;\n- complete creditor list, including covered and uncovered accounts; and\n- anticipated near-term economic changes.\n\nThe reduced list is not an exemption from all precontract analysis. It remains in direct tension with the fee-branch wording previously preserved from PASS-01, and this pass does not announce which text controls the unresolved credit-only architecture. [Oregon Secretary of State+1](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179)\n\n## 1.4 Suitability, feasibility, and ability\n\nThe provider may not merely complete a worksheet mechanically. The rule requires a determination that the services are feasible and advantageous; “advantageous” means a more favorable or beneficial position considering suitability and ability to pay. The statute separately prohibits offering services without evaluating advantageousness and prohibits performing services without a good-faith belief, formed after that evaluation, that the consumer can or will comply with the agreement. [Oregon Secretary of State+1](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179)\n\nThe reviewed clauses do not prescribe:\n\n- a mandatory numerical residual-income ratio;\n- a minimum monthly surplus;\n- a maximum debt-to-income ratio;\n- an automated underwriting score;\n- a mandated oral counseling duration;\n- a provider committee approval; or\n- a regulator-approved suitability formula.\n\nAn actual program’s internal policy cannot be treated as Oregon law without additional authority.\n\n## 1.5 Model distinctions\n\n| Model | Agreement and analysis result | Additional requirements or holds |\n| --- | --- | --- |\n| **Custodial DMP/payment plan** | Full written agreement and general budget analysis. | Precise reasonable payment amount if funds are held, quarterly held-funds statements, trust-interest disclosures where applicable, and complete payment schedule. Actual funds duties remain PASS-03. [OregonLaws+1](https://oregon.public.law/statutes/ors_697.652) |\n| **Noncustodial settlement** | Full written agreement and ordinarily the general budget analysis. | Six additional noncustody disclosures under ORS 697.707(4). Actual noncustody must be proved by account/control facts; the label is insufficient. [OregonLaws](https://oregon.public.law/statutes/ors_697.707) |\n| **Credit improvement / credit repair** | Written agreement, signed disclosures, and the reduced OAR credit-improvement budget. | Additional credit-report rights and price/no-cost disclosures. The ORS 697.692(1)(f) “does not conduct a budget analysis” tension remains unresolved. [Oregon Secretary of State+1](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179) |\n| **Loan modification** | Written agreement, budget analysis, and ordinary disclosures if the activity is covered and nonexempt. | Existing obligation must be in or objectively near default; no new-loan fees; contract must make or anticipate long-term changes; the provider cannot use DMS registration to make a new loan. [Oregon Secretary of State](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179) |\n| **Education-only / nonprofit advice** | Chapter 697 package may not apply if a narrow exemption is actually established. | A §111 bankruptcy briefing exemption bars other DMS activity; the generic nonprofit exemption bars DMS activity, brokering, and the OAR budget analysis. A label does not establish exemption. [Oregon Secretary of State](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179) |\n| **Attorney-linked model** | Full package applies if the activity is covered and the narrow attorney exemption is not proved. | *Persels* affirmed that the attorney connection did not exempt a debt-settlement law firm whose business fell within the regulated system. [Justia Law](https://law.justia.com/cases/oregon/court-of-appeals/2017/a157430.html) |\n\n# 2. Mandatory agreement and disclosure matrix\n\n## 2.1 Written agreement clauses\n\n| Clause or document item | Scope | Exact requirement | Boundary or failure case |\n| --- | --- | --- | --- |\n| **Provider and consumer identity** | All covered agreements | Provider and consumer names and telephone numbers; provider fax, email, website, or other URL to the extent available. | A DBA alone is not enough if it obscures the contracting provider. [OregonLaws](https://oregon.public.law/statutes/ors_697.652) |\n| **Debt and creditor mapping** | Every debt receiving service | List every covered debt, each creditor’s name, and approximate total of all identified debts. | A debt cannot be serviced while omitted merely because the consumer disclosed it orally. [OregonLaws](https://oregon.public.law/statutes/ors_697.652) |\n| **Reasonable payment amount** | Custodial only by literal clause | State precisely how much the consumer can reasonably pay if the provider holds funds directly or indirectly for distribution. | Does not itself authorize taking or retaining that amount. [OregonLaws](https://oregon.public.law/statutes/ors_697.652) |\n| **Services** | All covered agreements | Describe in precise terms every debt-management service the provider will perform. | Generic promises such as “financial assistance” or “legal support” do not replace the required description. [OregonLaws](https://oregon.public.law/statutes/ors_697.652) |\n| **Fees and calculation** | All covered agreements | Itemize fees and explain how the amount of each fee is calculated. | Disclosure of a fee does not establish legality, earning, or timing. [OregonLaws](https://oregon.public.law/statutes/ors_697.652) |\n| **Installment schedule** | Literal statute is broad; practical relevance depends on model | Show approximate number and amount of installments and payment/satisfaction ratio or arrangement. | DFR groups this under more-than-credit-repair services, but the statute itself does not state that carveout. [OregonLaws+1](https://oregon.public.law/statutes/ors_697.652) |\n| **Account inspection or statement** | All covered agreements on the text | Permit office examination or a full written account statement within two business days electronically or seven business days by mail. | DFR’s webpage says seven “days”; statutory text says seven **business days**. [OregonLaws+1](https://oregon.public.law/statutes/ors_697.652) |\n| **Provider termination clause** | All agreements on the literal text; operates when periodic payments exist | State that provider may cancel without consumer’s written authorization if scheduled periodic payments are missed for more than 60 days. | Not a general at-will termination right and not an automatic forfeiture provision. [OregonLaws+1](https://oregon.public.law/statutes/ors_697.652) |\n| **Completion estimate** | All covered agreements | Estimate the time required to complete identified services. | Must not be represented misleadingly as a guaranteed settlement date. [OregonLaws+1](https://oregon.public.law/statutes/ors_697.652) |\n| **Quarterly funds statement** | Where provider holds funds directly or indirectly | Promise a financial statement each calendar quarter concerning consumer funds held. | Does not replace the consumer’s separate on-request statement right. [OregonLaws](https://oregon.public.law/statutes/ors_697.652) |\n| **Early cancellation** | All covered agreements | Permit cancellation before midnight of the third business day after agreement entry and require refund of all fees paid before that cancellation. | No business-day calendar is calculated in this pass. [OregonLaws](https://oregon.public.law/statutes/ors_697.652) |\n| **Later cancellation** | All covered agreements | Permit cancellation during the remaining term after ten calendar days’ written notice for any reason. | The notice requirement is distinct from the separate effectiveness language. [OregonLaws](https://oregon.public.law/statutes/ors_697.652) |\n| **Cancellation effectiveness** | All covered agreements | Effective on mailing; immediate if sent by email or fax. | No invented ten-day delayed-effective-date calculation. [OregonLaws](https://oregon.public.law/statutes/ors_697.652) |\n| **Later funds return** | Where provider currently holds unexpended consumer funds | Return all consumer funds then held directly or indirectly and not expended. | Preserve the accepted P2 distinction: starting receipts minus remittances versus an already-current held balance; no double subtraction or invented fee deduction. [OregonLaws](https://oregon.public.law/statutes/ors_697.652) |\n| **Creditor notice** | Literal clause applies broadly | State that provider will notify creditors in writing that it may negotiate on the consumer’s behalf. | The text has no express credit-repair carveout, though it may have no practical target where no negotiation is offered. [OregonLaws](https://oregon.public.law/statutes/ors_697.652) |\n| **Separate budget analysis** | Covered agreement prerequisite | Must be separate from agreement and evaluate advantageousness. | A clause inside the agreement is not the separate analysis. [OregonLaws](https://oregon.public.law/statutes/ors_697.652) |\n| **Signatures and dates** | All covered agreements | Consumer and provider sign and date the agreement. | Electronic signatures are conditional, as addressed below. [OregonLaws](https://oregon.public.law/statutes/ors_697.652) |\n| **Legible copy** | All covered agreements | Provider gives a legible signed-and-dated copy as soon as practicable. | No precise day count or required delivery channel is stated in Chapter 697. [OregonLaws](https://oregon.public.law/statutes/ors_697.652) |\n| **Interest disclosure** | Trust-account model | Agreement and financial statements must disclose consumer-attributable interest exceeding maintenance fees. | Interest ownership and allocation remain PASS-03 gaps. [OregonLaws](https://oregon.public.law/statutes/ors_697.682) |\n| **One-contract rule** | Multiple debts | No separate contract for each debt; one contract may provide different services for different debts. | Separate individual spouse/partner debts can support separate agreements only if provider proves the basis. [Oregon Secretary of State](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179) |\n| **No blanks** | All instruments accepted from consumer | No agreement, promise, or other instrument may contain blank spaces at or after consumer signature. | “We will fill in the creditor list later” is not supported. [OregonLaws](https://oregon.public.law/statutes/ors_697.662) |\n\n## 2.2 Required disclosure document\n\n| Disclosure | Scope | Required content | Qualification |\n| --- | --- | --- | --- |\n| **Maximum total charge** | Every consumer offered covered services | Maximum amount provider may charge for all services. | Maximum does not equal earned or immediately collectible amount. [OregonLaws](https://oregon.public.law/statutes/ors_697.707) |\n| **Responsibility for charges** | Universal | State consumer is responsible for paying provider charges. | Does not shift creditor debt or tax liability. [OregonLaws](https://oregon.public.law/statutes/ors_697.707) |\n| **Canceled-debt tax warning** | Universal on statutory text | Warn that canceled debt may be taxable income and advise consulting a tax professional. | DFR’s webpage says not required for credit-repair-only companies, but no matching statutory carveout appears in ORS 697.707(2)(c). The statutory text remains controlling unless an operative formal exception is found. [OregonLaws+1](https://oregon.public.law/statutes/ors_697.707) |\n| **Detailed service and price disclosure** | Universal | Describe services completely and in detail; state amount for each and all services. | Must align with agreement; discrepancies are not resolved by choosing the cheaper document. [OregonLaws](https://oregon.public.law/statutes/ors_697.707) |\n| **Bond action and surety identity** | Universal | State consumer may bring an action against required bond and list surety name and address. | Bond scope and claims remain PASS-05/PASS-06 issues. [OregonLaws](https://oregon.public.law/statutes/ors_697.707) |\n| **Credit-report review rights** | Credit improvement or compensated credit-related advice | Accurate and complete description of consumer’s right to review CRA-maintained information. | Applies to the specified statutory activity, not every DMS solely because credit might be affected. [OregonLaws](https://oregon.public.law/statutes/ors_697.707) |\n| **Credit-report price/no-cost route** | Same credit branch | Approximate CRA price and notice of free review if requested within 30 days after credit denial. | OAR 441-910-0150 also requires disclosure of passed-through report costs. [OregonLaws+1](https://oregon.public.law/statutes/ors_697.707) |\n| **No result guarantee** | Every provider not holding funds directly or indirectly | State provider cannot predict or guarantee specific results and cannot force creditor acceptance. | Actual noncustody remains factual, not a label. [OregonLaws](https://oregon.public.law/statutes/ors_697.707) |\n| **No scheduled creditor payments** | Noncustodial branch | State provider does not make scheduled periodic creditor payments. | An administrator doing so may undermine the stated architecture. [OregonLaws](https://oregon.public.law/statutes/ors_697.707) |\n| **Continuing collection risk** | Noncustodial branch | State creditors may continue collection, including lawsuits. | No promise to halt suit or garnishment may contradict it. [OregonLaws](https://oregon.public.law/statutes/ors_697.707) |\n| **Credit harm warning** | Noncustodial branch | State failure to make monthly debt payments will likely negatively affect credit score. | Does not exhaust every consequence of nonpayment. [OregonLaws](https://oregon.public.law/statutes/ors_697.707) |\n| **Consumer-owned account** | Noncustodial branch | State consumer must make regular deposits into a consumer-established, consumer-maintained, specifically designated insured-institution account. | PASS-03 holds actual ownership and access facts. [OregonLaws](https://oregon.public.law/statutes/ors_697.707) |\n| **Specific fee authorization/no access** | Noncustodial branch | State fee withdrawals require specific authorization and provider lacks custody, control, separate access, or additional access. | A standing authorization’s sufficiency was not resolved. [OregonLaws](https://oregon.public.law/statutes/ors_697.707) |\n| **Signature acknowledgment** | Every disclosure document | Space for consumer signature under statement that consumer read and understands disclosures. | A signature does not cure a false, missing, or contradictory disclosure. [OregonLaws](https://oregon.public.law/statutes/ors_697.707) |\n| **Passed-through report/NSF charges** | When applicable | Disclose passed-through credit-report cost and actual NSF charge before consumer becomes obligated. | No new administration or account fee is created. [Oregon Secretary of State](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179) |\n\n## 2.3 Model/application matrix\n\n| Model | Budget | Agreement clauses | Disclosure additions | Material unresolved point |\n| --- | --- | --- | --- | --- |\n| **Custodial payment plan** | General budget | All general clauses; precise affordable payment; schedule; quarterly held-funds statement; interest terms where applicable | Universal disclosures | Trust ownership, interest disposition, funds closeout, and fee timing remain elsewhere. |\n| **Noncustodial principal-reduction settlement** | General budget | General clauses; schedule and cancellation terms; no custody clause is established through disclosure and actual facts | Universal plus all six ORS 697.707(4) statements | Independent administrator and account access facts remain unknown. |\n| **Credit improvement** | Reduced OAR credit budget | Literal Chapter 697 agreement clauses, subject to unresolved model application | Universal plus credit-report rights and cost/no-cost disclosures | Credit-only budget/fee tension; DFR tax-warning carveout; federal CROA/TSR applicability. |\n| **Loan modification** | Ordinarily general budget | General clauses plus contract reflecting or anticipating long-term modification of existing obligation | Universal; noncustodial additions if funds are not held | Mortgage-specific disclosures, federal servicing law, foreclosure notices, and professional licensing remain outside this component. |\n| **Bankruptcy briefing / education-only nonprofit** | Exempt briefing may use a different budget not governed by OAR 0145 | Chapter package may not apply only if all exemption facts are proved | No Chapter 697 conclusion without classification | Other DMS activity or brokering defeats the narrow rule-based exemption. |\n| **Attorney-related service** | Chapter package applies unless narrow exemption proved | Same | Same | Firm label and attorney affiliation are insufficient after *Persels*. |\n\n# 3. Delivery, signature, acceptance, electronic consent, language, and retention\n\n## 3.1 Formation and copies\n\nThe agreement must be written, signed, and dated by the consumer and provider. The provider must give the consumer a legible copy as soon as practicable after execution. The reviewed Chapter 697 text does not prescribe:\n\n- wet ink;\n- notarization;\n- witness signatures;\n- initials beside each clause;\n- duplicate originals;\n- a particular paper size;\n- a regulator form number; or\n- a fixed post-signature delivery deadline.\n\nAn electronic process may satisfy the writing and signature requirements, but only through the separate electronic-transactions framework and other applicable substantive law. [OregonLaws+2](https://oregon.public.law/statutes/ors_697.652)\n\n## 3.2 Oregon UETA baseline\n\nUnder the current-readable Oregon UETA text:\n\n- an electronic signature is a sound, symbol, or process attached to or logically associated with a record and adopted with intent to sign;\n- electronic form alone does not defeat validity;\n- a writing requirement can be met electronically;\n- a signature requirement can be met electronically;\n- UETA applies only where each party agreed to transact electronically;\n- a party may refuse future electronic transactions; and\n- attribution depends on whether the electronic act was actually the person’s act, judged from security procedures and surrounding circumstances. [OregonLaws+3](https://oregon.public.law/statutes/ors_84.004)\n\nAccordingly, an enforceable workflow should preserve evidence of:\n\n- the version presented;\n- the signer’s intent;\n- the identity/security process;\n- the timestamp or event record;\n- each party’s signature and date;\n- the completed, unaltered final document;\n- delivery of a retainable copy; and\n- any consent to electronic records.\n\nThe statute does not mandate a particular commercial e-signature vendor.\n\n## 3.3 Special consumer electronic-consent conditions\n\nWhen the transaction is primarily personal, family, or household and a law requires information to be delivered in writing, ORS 84.070 requires affirmative consent that has not been withdrawn. Before consent, the consumer must receive clear and conspicuous information about:\n\n- the paper-record option;\n- the right and procedure to withdraw consent;\n- conditions, consequences, or fees associated with withdrawal;\n- whether consent covers one transaction or categories of records;\n- electronic-contact update procedures;\n- how to request paper copies and any fee;\n- hardware and software requirements; and\n- a process that reasonably demonstrates access to the format used.\n\nMaterial technology changes can require updated requirements and renewed access demonstration. The electronic record must be retainable and accurately reproducible. [OregonLaws+1](https://oregon.public.law/statutes/ors_84.070)\n\nOregon’s Chapter 697 “consumer” definition is broader than the personal/family/household definition used by ORS 84.070. Therefore, an individual business-purpose debtor may fall within Chapter 697 while not necessarily receiving the special ORS 84.070 consumer-consent package. General UETA consent, attribution, retention, and other-law requirements still require analysis. Actual debt purpose remains unknown.\n\n## 3.4 Retainability and delivery\n\nWhere parties have agreed to transact electronically, an electronic writing satisfies delivery only if it is capable of retention at receipt. A sender cannot inhibit printing or storage; a record so inhibited is unenforceable against the recipient. Retained electronic records must accurately reflect the final information and remain accessible for later reference. [OregonLaws+1](https://oregon.public.law/statutes/ors_84.022)\n\nA transient web page that disappears after signing, a link that expires before the consumer can save it, or a “view only” interface that blocks printing and storage is therefore materially different from providing a downloadable, retainable final agreement and disclosure package.\n\n## 3.5 Federal E-SIGN\n\nFor transactions in or affecting interstate or foreign commerce, federal E-SIGN likewise recognizes electronic contracts and signatures, does not compel electronic use, preserves substantive disclosure content and timing, and requires affirmative informed consumer consent and accessible record retention for federally required written consumer disclosures. Federal law also permits a state’s qualifying UETA adoption to supersede §7001 as to state law. [U.S. Code+1](https://uscode.house.gov/us/usc/119-118/t15/s7001/)\n\nThis pass does not decide which individual Oregon or federal requirement is governed exclusively by UETA, E-SIGN, or both. The operationally safe conclusion is not “email is always valid,” but that a compliant process should satisfy the more specific applicable consent, delivery, attribution, and retention conditions.\n\n## 3.6 Primary-residence notices\n\nNeither Oregon UETA nor federal E-SIGN authorizes electronic delivery of notices of default, acceleration, repossession, foreclosure, eviction, or right to cure under a credit agreement secured by an individual’s primary residence. This restriction concerns those notices; it does not categorically prohibit electronic execution of a loan-modification services agreement itself. [OregonLaws+1](https://oregon.public.law/statutes/ors_84.070)\n\n## 3.7 Cancellation by email or fax\n\nORS 697.652 specifically states that consumer cancellation is immediately effective if sent by email or fax. That specific state clause should not be transformed into a separate receipt calculation under general UETA rules or into a requirement that the provider first acknowledge receipt. The saved ten-calendar-day notice branch remains distinct from this effectiveness wording. [OregonLaws](https://oregon.public.law/statutes/ors_697.652)\n\n## 3.8 Record retention\n\nOAR 441-910-0200 requires registrants to retain, for fee-paying consumers who signed a contract:\n\n- disclosure documents signed before contract entry;\n- all written agreements;\n- written fee-withdrawal authorizations;\n- cancellation notices from either side;\n- budget analyses;\n- creditor correspondence or call notes; and\n- consumer correspondence.\n\nRecords may be written or readily reducible to writing, and the rule generally uses a three-year period after the last entry. ORS 697.672 independently requires consumer records and disbursement records. [Oregon Secretary of State+1](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179)\n\nElectronic retention can satisfy a legal retention requirement if the final information is accurately preserved and remains accessible. That does not authorize deletion merely because a contract was canceled or a provider changed systems. [OregonLaws](https://oregon.public.law/statutes/ors_84.034)\n\n## 3.9 Language, readability, and form\n\nThe reviewed Chapter 697 provisions expressly require a **legible** agreement copy. The complete current Division 910 display did not reveal a general:\n\n- minimum font size;\n- mandated typeface;\n- English-only rule;\n- translation requirement;\n- Spanish-language mirror-contract rule;\n- prescribed page order;\n- boldface requirement; or\n- universal plain-language formula.\n\nThat bounded finding does not rule out separate mortgage, language-access, disability-access, advertising, UTPA, federal, or contract doctrines. The automatic-renewal overlay, if applicable, has its own “clear and conspicuous” presentation standard. [OregonLaws+1](https://oregon.public.law/statutes/ors_697.652)\n\n# 4. Cancellation, termination, waiver, amendments, renewal, assignment, and prohibited terms\n\n## 4.1 Consumer cancellation\n\n### Early branch\n\nThe agreement must allow cancellation before midnight of the third business day after agreement entry. The provider must refund all fees the consumer paid before that cancellation. No calendar calculation is made because the actual signing date, holidays, and applicable business-day facts are not supplied. [OregonLaws](https://oregon.public.law/statutes/ors_697.652)\n\n### Later branch\n\nThe agreement must allow cancellation during the remaining term, for any reason, after ten calendar days’ written notice. Mailing makes cancellation effective on the mailing date; email or fax makes it immediately effective. If the provider then holds consumer funds directly or indirectly, it must return the current held and unexpended balance. [OregonLaws](https://oregon.public.law/statutes/ors_697.652)\n\nThe accepted prior money-state distinction remains:\n\n- starting receipts of $1,000 minus $400 already remitted means $600 presently held;\n- a distinct scenario stating that $1,000 is already the current held and unexpended balance has a $1,000 return base;\n- the historical $400 is not deducted twice; and\n- no fee deduction is inserted without additional lawful facts.\n\nThis pass does not reopen that arithmetic.\n\n## 4.2 Provider termination\n\nA provider may cancel without the consumer’s written authorization only under the agreement clause triggered when scheduled periodic payments have been missed for more than 60 days. Otherwise, the provider may not cancel without consumer written authorization. [OregonLaws+1](https://oregon.public.law/statutes/ors_697.652)\n\nThe reviewed agreement statutes do not expressly establish:\n\n- automatic forfeiture of consumer money;\n- blanket retention of all prior fees;\n- immediate account closure;\n- cancellation upon one missed payment;\n- unilateral termination for convenience;\n- transfer to another provider;\n- creditor notification deadlines after provider termination; or\n- a universal provider-termination return deadline.\n\nContinuing funds, records, and accounting obligations remain as preserved from PASS-03.\n\n## 4.3 Void waivers and prohibited clauses\n\nORS 697.652(4) makes void and unenforceable a consumer waiver—or agreement provision purporting to waive or violate—ORS 697.602 through 697.842. The provider may not induce a waiver, and the person claiming an exemption bears the burden of proof. This does **not** make every disputed contract term void; the invalidity attaches to a term that purports to waive or violate the identified statutory scheme. [OregonLaws](https://oregon.public.law/statutes/ors_697.652)\n\nORS 697.662 separately prohibits:\n\n- blank spaces at or after signature;\n- unauthorized payment or security for fees;\n- oversized wage assignments, mortgages, purchase-money interests, or other security for provider charges;\n- a confession of judgment or power of attorney to confess judgment or appear for the consumer in court;\n- a release of an obligation the provider must perform;\n- later charges or reserves for liquidated damages;\n- misleading statements; and\n- provider cancellation outside the authorized branch. [OregonLaws](https://oregon.public.law/statutes/ors_697.662)\n\nThus, clauses such as “consumer releases provider from all Chapter 697 duties,” “provider may fill in debts and fees after signature,” or “provider may terminate at any time and keep the account balance as liquidated damages” conflict with the reviewed provisions.\n\n## 4.4 Adding debts or changing services\n\nOregon requires the agreement to list **every debt** for which the provider will perform services and forbids a separate contract for each debt. One agreement may specify different services for different debts. [OregonLaws+1](https://oregon.public.law/statutes/ors_697.652)\n\nThe best-supported inference is:\n\nBefore beginning services on a newly added debt, the existing written agreement must be brought into conformity—through a written amendment or replacement agreement—so the new debt, creditor, approximate total, service, fees, calculation, and schedule are accurately included.\n\nNo reviewed Chapter 697 provision specifies:\n\n- whether an amendment requires both signatures;\n- whether the complete agreement must be reissued;\n- whether a revised budget analysis is always required;\n- whether adding a debt restarts cancellation rights;\n- whether the amendment creates a new “agreement entered” date;\n- whether a creditor can be added through a portal click;\n- or whether a purely clerical creditor correction requires formal amendment.\n\nBecause the original service cannot lawfully proceed without a compliant written agreement, an oral side agreement or post-signature blank completion is not a safe substitute.\n\n## 4.5 Fee or payment changes\n\nA contract must itemize fees and explain their calculation, while the disclosure must identify each service’s amount and the maximum total. A provider therefore cannot silently impose a new fee or calculation inconsistent with those documents. [OregonLaws+1](https://oregon.public.law/statutes/ors_697.652)\n\nThe reviewed texts do not prescribe a standalone fee-amendment form. A material fee change would at minimum require the written agreement and disclosures to remain accurate before the changed charge is requested or received. This is a document-consistency conclusion, not a finding that every fee increase is substantively lawful or that consumer consent cures an unlawful amount.\n\n## 4.6 Assignment and successor provider\n\nNo general Chapter 697 clause was located that expressly:\n\n- authorizes assignment of the agreement;\n- prohibits all assignments;\n- permits automatic transfer upon sale;\n- substitutes a successor provider;\n- transfers a registration;\n- transfers a trust account;\n- transfers the bond;\n- or releases the original provider.\n\nAn assignment clause cannot waive Chapter 697 rights, convert an unregistered assignee into an authorized provider, or alter mandatory consumer protections. Actual assignment enforceability, notice, consent, successor liability, servicing transfer, and funds movement remain unresolved contract and regulatory issues.\n\n## 4.7 Automatic renewal and continuous service\n\nChapter 697 requires a completion estimate and cancellation provisions but does not supply a specific automatic-renewal procedure. A separate Oregon statute defines automatic renewal and continuous service for paid subscription or purchasing arrangements involving personal, family, or household consumers. If an actual DMS agreement fits those definitions and no exemption applies, that law may require:\n\n- clear and conspicuous offer terms;\n- affirmative consent before a recurring card or third-party payment-account charge;\n- a retainable acknowledgment with cancellation information;\n- an easy-to-use cancellation mechanism; and\n- clear and conspicuous, retainable notice before implementing a material change. [OregonLaws+2](https://oregon.public.law/statutes/ors_646a.293)\n\nThe checked exemption list does not expressly name registered debt-management service providers, although specified banks, credit unions, insurance-regulated persons, service-contract sellers, consumer-finance companies, utilities, and satellite providers are exempt. [OregonLaws](https://oregon.public.law/statutes/ors_646a.295)\n\nThis remains a **conditional overlay**, not a finding that every Oregon DMS agreement is a subscription or continuous-service agreement. The official current Chapter 646A route was not authenticated, and no DMS-specific controlling application was located.\n\n# 5. Public forms, regulator interpretations, and decisions\n\n## 5.1 Current application materials\n\nOAR 441-910-0010 requires an applicant to submit through NMLS:\n\n- copies of disclosure documents, agreements, or contracts consumers will sign;\n- a sample budget analysis meeting OAR 441-910-0145; and\n- a proposed fee schedule.\n\nDFR’s current page similarly instructs applicants to upload a sample agreement, disclosures, and budget worksheet. These are applicant-created documents submitted for registration review; neither source states that submission constitutes permanent approval of every clause, later amendment, marketing statement, e-sign workflow, or actual consumer transaction. [Oregon Secretary of State+1](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179)\n\n## 5.2 Public model documents\n\nThe checked DFR forms page did not list a public DMSP model agreement, disclosure packet, cancellation form, electronic-consent form, or budget template. The NMLS Oregon checklist route did not return readable checklist contents through the public web tool. [Oregon Division of Financial Regulation](https://dfr.oregon.gov/business/licensing/financial/pages/applications-forms-reports.aspx)\n\nThe supported conclusion is only:\n\nNo complete current public model agreement or disclosure form was recovered through the checked official routes.\n\nIt is not a claim that no internal, NMLS-rendered, archived, or separately indexed form exists.\n\n## 5.3 *Persels & Associates, LLC v. DCBS*\n\nThe Oregon Court of Appeals described the regulatory framework as requiring a preagreement advantageousness analysis, a written agreement meeting statutory requirements, compliance with fee restrictions, records, and disclosures. The court affirmed the agency’s conclusion that a debt-settlement law firm was not protected by the narrow incidental-attorney exemption. [Justia Law](https://law.justia.com/cases/oregon/court-of-appeals/2017/a157430.html)\n\nThe holding does **not** decide:\n\n- whether a particular agreement clause is sufficient;\n- electronic signature validity;\n- cancellation timing;\n- amendments;\n- automatic renewal;\n- assignment;\n- disclosure format; or\n- whether DFR approved any model contract.\n\nThe opinion was accessed through a Justia reproduction rather than an official OJD-hosted opinion.\n\n## 5.4 Daniel March / Litigation Practice Group final order\n\nIn the 2025 final administrative order, DFR found that four consumers did not receive the required separate budget analysis before entering agreements. The provider’s standard agreement contemplated a credit-report analysis only after signing; DFR did not treat that later activity as satisfying the precontract budget requirement. The order is a formal agency adjudication, but its appellate status was not checked. [Oregon Division of Financial Regulation+1](https://dfr.oregon.gov/AdminOrders/MarchFinalOrder_SIGG.pdf)\n\nThis supports the bounded proposition that a later post-signing credit review does not substitute for the separate preagreement budget analysis. It does not approve every other clause in the respondent’s contract.\n\n## 5.5 Trimarche / GST Factoring consent order\n\nThe 2021 consent order identified agreement and disclosure deficiencies including missing:\n\n- fee itemization and calculation;\n- account examination/statement rights;\n- provider-termination clause;\n- completion estimate;\n- cancellation and refund terms;\n- separate budget analysis;\n- maximum-fee disclosure;\n- canceled-debt tax warning; and\n- credit-report rights.\n\nIt is a fact-specific consent order, not a controlling judicial interpretation or state-approved model form. [Oregon Division of Financial Regulation+1](https://dfr.oregon.gov/AdminOrders/enf-orders-2021/Consent%20Order%20-%20Trimarche%20-%20SIGG.pdf)\n\n## 5.6 Premier Legal Service default order\n\nA 2025 default order similarly addressed a mortgage-modification operation that lacked a compliant written agreement and separate preagreement budget analysis. It is a default administrative order involving mixed mortgage and debt-management issues, not a contested appellate holding. [Oregon Division of Financial Regulation+1](https://dfr.oregon.gov/AdminOrders/Default%20Order%20Premier%20Legal%20Service_SIGG.pdf)\n\n## 5.7 No controlling e-signature or amendment case located\n\nThe targeted review did not locate a controlling published Oregon appellate decision specifically resolving:\n\n- electronic execution of an ORS 697.652 agreement;\n- whether an amendment restarts cancellation rights;\n- adding debts after execution;\n- DMSP automatic renewal;\n- assignment to a successor provider;\n- the DFR webpage’s credit-repair carveouts;\n- or the credit-only budget conflict.\n\nThat is a bounded search result, not proof that no unpublished, trial-level, later, or poorly indexed authority exists.\n\n# 6. Bounded contract, notice, and boundary examples\n\nThese examples use event order rather than calendar arithmetic. They do not establish actual provider authorization, actual assent, fee earning, federal compliance, or a valid consumer contract.\n\n## Example 1 — Compliant paper-sequence boundary\n\n### Assumed events\n\n- Consumer provides complete financial and creditor information.\n- Provider prepares the applicable budget.\n- Provider determines services are feasible and advantageous and believes consumer can comply.\n- Provider gives the separate budget document and required disclosure document.\n- Consumer signs the disclosure under the read-and-understand statement.\n- Provider and consumer sign and date a fully completed written agreement.\n- Provider promptly gives a legible copy.\n- Provider then begins described services.\n\n### Result\n\nThe order satisfies the principal Oregon document sequence on the assumed facts.\n\n### Failure variants\n\n- **Agreement signed before budget:** preagreement analysis requirement fails.\n- **Budget delivered after signing:** later delivery does not cure the original sequencing violation established in the March order.\n- **Disclosure unsigned until after contract:** inconsistent with OAR 441-910-0200’s signed-before-contract record requirement.\n- **Provider begins negotiating before agreement:** conflicts with ORS 697.652(1).\n- **Fee disclosed but not earned:** disclosure alone does not authorize collection. [Oregon Secretary of State+2](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179)\n\n## Example 2 — Electronic agreement workflow\n\n### Assumptions\n\n- Transaction is for personal/family/household services.\n- Consumer receives clear e-record consent disclosures.\n- Consumer is told about paper records, withdrawal, covered record categories, contact-update process, paper-copy procedure and fee, and system requirements.\n- Consumer electronically demonstrates access to the PDF format.\n- Provider displays the final agreement with no blank fields.\n- Consumer and provider execute attributable electronic signatures and dates.\n- Consumer can immediately download and retain the final signed budget, disclosure, and agreement.\n- Provider preserves the final records accurately and accessibly.\n\n### Result\n\nElectronic form is not disqualifying on those assumptions.\n\n### Failure variants\n\n- A typed name pasted by provider without evidence of consumer intent does not establish attribution.\n- An expiring portal page that cannot be saved may fail retainability.\n- Checking “I agree” before seeing the required consumer e-record disclosures does not satisfy the stated sequence.\n- A general email-consent clause cannot waive Chapter 697 content or timing.\n- Electronic execution does not authorize email delivery of a primary-residence foreclosure/default/right-to-cure notice. [OregonLaws+4](https://oregon.public.law/statutes/ors_84.013)\n\n## Example 3 — Noncustodial settlement disclosures\n\n### Inputs\n\n- Provider claims it never holds funds.\n- Consumer establishes an account in consumer’s name.\n- Provider proposes to withdraw its fee only when separately authorized.\n- No actual administrator agreement or access matrix is supplied.\n\n### Required document result\n\nThe disclosure must state:\n\n- no guaranteed result or forced creditor acceptance;\n- provider does not make scheduled creditor payments;\n- collection and lawsuits may continue;\n- nonpayment likely harms credit;\n- consumer makes regular deposits into the designated consumer-owned account; and\n- provider fee withdrawals require specific authorization with no provider custody, control, or separate/additional access.\n\n### Remaining hold\n\nThe disclosure does not prove the facts are true. If an affiliate or administrator controls deposits, creditor payments, freezes, or fee transfers for the provider, the actual architecture may not be noncustodial. [OregonLaws](https://oregon.public.law/statutes/ors_697.707)\n\n## Example 4 — Cancellation delivery and current balance\n\n### Early branch\n\n- Consumer invokes cancellation within the statutory early period.\n- Agreement must provide for refund of all fees paid before cancellation.\n- No actual signing date is supplied, so no business-day date is calculated.\n\n### Later branch\n\n- Consumer gives the separately required ten-calendar-day written notice.\n- Mailing is effective on mailing; email or fax is immediately effective.\n- Return base is consumer money currently held and unexpended.\n\n### Preserved balance cases\n\n- Starting receipts $1,000 less $400 already remitted → current held balance $600.\n- Separate case: stated current held balance $1,000 after a prior $400 remittance → return base $1,000.\n- The $400 is not deducted twice.\n- No earned-fee offset is assumed. [OregonLaws](https://oregon.public.law/statutes/ors_697.652)\n\n## Example 5 — Adding a new debt\n\n### Starting agreement\n\nAgreement lists:\n\n- Debt A and creditor A;\n- Debt B and creditor B;\n- services and fee calculations for A and B;\n- payment schedule.\n\n### Later event\n\nConsumer asks provider to negotiate Debt C.\n\n### Supported boundary\n\nProvider may not simply start work on C while the written agreement lists only A and B. Because every serviced debt and corresponding creditor must be identified, the agreement must first be conformed through a written amendment or replacement.\n\n### Unresolved mechanics\n\nThe reviewed law does not state whether:\n\n- both signatures are always required on the amendment;\n- a revised budget is mandatory;\n- cancellation rights restart;\n- the amendment date becomes the new agreement-entry date; or\n- a portal acceptance is sufficient.\n\nA separate contract only for Debt C would conflict with OAR 441-910-0094’s one-contract rule unless the actual facts fit another recognized contracting arrangement. [OregonLaws+1](https://oregon.public.law/statutes/ors_697.652)\n\n## Example 6 — Prohibited waiver and blank-field clause\n\n### Proposed terms\n\n- “Provider may insert additional creditors and fees after signature.”\n- “Consumer releases provider from all statutory duties.”\n- “Provider may terminate at any time and retain all account funds as liquidated damages.”\n- “Consumer grants provider power to confess judgment.”\n\n### Result\n\nThe reviewed provisions directly undermine those terms:\n\n- no blank spaces at or after signature;\n- no release of provider obligations;\n- no later charges or liquidated-damages reserve;\n- no confession of judgment or specified judicial power of attorney;\n- no provider cancellation outside the authorized branch; and\n- no waiver of Chapter 697 protections.\n\nThe invalidity is tied to the particular statutory violation; it is not a declaration that every unrelated contract provision is void. [OregonLaws+1](https://oregon.public.law/statutes/ors_697.652)\n\n# B. Source table\n\n| Source ID | Title / issuer | Direct literal URL | Exact material read | Status, access, and limitations |\n| --- | --- | --- | --- | --- |\n| **S_OR-P7-S001** | OAR Chapter 441, Division 910 — Oregon Secretary of State | https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179 | OAR 441-910-0000(2); -0005; -0010(2)(b)–(d); -0094; -0135; -0145(1)–(3); -0150; -0200(1)–(4). Complete displayed division also searched for amendment, assignment, automatic renewal, language, font, signature, waiver, and release terms. | **Fresh official current-rule display read October 25, 2026 Pacific.** Operative current rule text. Displayed history read but no complete rulemaking-file audit or historical redline reconstruction. [Oregon Secretary of State](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179) |\n| **S_OR-P7-S002** | Debt management registration and contract guidance — Oregon DFR | https://dfr.oregon.gov/business/licensing/financial/pages/debt-management.aspx | Application sample-document requirements; written-agreement summary; cancellation summary; universal, credit, and noncustodial disclosure summaries. | **Fresh current official agency guidance read.** Procedure and guidance, not an enactment, formal opinion, or model-contract approval. Its seven-day mailing and credit-only tax-warning statements differ from or narrow the readable statutory wording. [Oregon Division of Financial Regulation](https://dfr.oregon.gov/business/licensing/financial/pages/debt-management.aspx) |\n| **S_OR-P7-S003** | ORS 697.652 — written agreement and budget analysis | https://oregon.public.law/statutes/ors_697.652 | Subsections (1)(a)–(k), (2), (3), and (4)(a)–(e). | **Fresh secondary read.** Page says underlying official source last accessed May 10, 2025 and describes a 2023-edition-plus-2024-change compilation. Not relabeled official current law. [OregonLaws](https://oregon.public.law/statutes/ors_697.652) |\n| **S_OR-P7-S004** | ORS 697.707 — required disclosures | https://oregon.public.law/statutes/ors_697.707 | Subsections (1)–(5), including universal, credit-related, noncustodial, and signature disclosures. | **Fresh secondary read** with same currentness limitation as S003. [OregonLaws](https://oregon.public.law/statutes/ors_697.707) |\n| **S_OR-P7-S005** | Related Chapter 697 sections — current-readable reproductions | https://oregon.public.law/statutes/ors_697.602 https://oregon.public.law/statutes/ors_697.612 https://oregon.public.law/statutes/ors_697.662 https://oregon.public.law/statutes/ors_697.672 https://oregon.public.law/statutes/ors_697.682 https://oregon.public.law/statutes/ors_697.692 https://oregon.public.law/statutes/ors_697.718 | Definitions and exemptions; prohibited practices; records; held-funds interest/statements; credit-only fee wording; ascertainable-loss boundary. | **Fresh secondary reads.** Treated as one Chapter 697 source family, not seven independent authorities. Official current chapter chain remains held. [OregonLaws+3](https://oregon.public.law/statutes/ors_697.662) |\n| **S_OR-P7-S006** | Enrolled HB 2191-B, Oregon Laws 2009, chapter 604 — Oregon Legislative Assembly | https://olis.oregonlegislature.gov/liz/2009R1/Downloads/MeasureDocument/HB2191/Enrolled | §5 printed pp.5–8 / zero-based PDF indices 4–7; especially operative agreement clauses on printed pp.6–8 / indices 5–7. §11 printed pp.13–14 / indices 12–13. Selected page images inspected. | **Fresh targeted official historical enactment read.** Earlier direct-route failure and later successful overview-linked route remain preserved. Not all 28 pages and not a current amendment chain. Deleted bracketed text was not used as operative evidence. [Oregon Legislative Information System+5](https://olis.oregonlegislature.gov/liz/2009R1/Downloads/MeasureDocument/HB2191/Enrolled) |\n| **S_OR-P7-S007** | HB 2191 official overview — Oregon Legislative Assembly | https://olis.oregonlegislature.gov/liz/2009R1/Measures/Overview/HB2191 | Official measure identity and access route to enrolled text. | **Fresh official access route.** Discovery/provenance route, not a second substantive enactment. |\n| **S_OR-P7-S008** | Official ORS Chapter 697 locator — Oregon Legislature | https://www.oregonlegislature.gov/bills_laws/ors/ors697.html | Official chapter locator/search result only. | **Failed direct-content route.** Returned 403 historically and was not repeatedly hammered. Not evidence that no amendment or exception exists. |\n| **S_OR-P7-S009** | Oregon UETA current-readable sections | https://oregon.public.law/statutes/ors_84.004 https://oregon.public.law/statutes/ors_84.007 https://oregon.public.law/statutes/ors_84.013 https://oregon.public.law/statutes/ors_84.019 https://oregon.public.law/statutes/ors_84.022 https://oregon.public.law/statutes/ors_84.025 https://oregon.public.law/statutes/ors_84.034 https://oregon.public.law/statutes/ors_84.043 https://oregon.public.law/statutes/ors_84.061 https://oregon.public.law/statutes/ors_84.070 | Definitions; agreement to transact electronically; recognition; retainable delivery; attribution; retention; send/receipt rules; federal supersession; consumer consent and exceptions. | **Fresh secondary reads.** Underlying official source shown as last accessed May 10, 2025; no complete current official Chapter 84 authentication. [OregonLaws+8](https://oregon.public.law/statutes/ors_84.004) |\n| **S_OR-P7-S010** | Official ORS Chapter 84 locator / historical UETA act | https://www.oregonlegislature.gov/bills_laws/ors/ors084.html https://www.oregonlegislature.gov/bills_laws/lawsstatutes/2001orLaw0535ses.html | Official locators only. | **Direct routes inaccessible/search-only.** No attempt to reconstruct the complete present Chapter 84 chain from search snippets. |\n| **S_OR-P7-S011** | Federal E-SIGN Act — Office of Law Revision Counsel | https://uscode.house.gov/us/usc/119-118/t15/s7001/ https://uscode.house.gov/us/usc/119-118/t15/s7002/ https://uscode.house.gov/us/usc/119-118/t15/s7003/ https://uscode.house.gov/us/usc/119-118/t15/s7006/ | 15 U.S.C. §§7001–7003 and 7006: validity, consumer consent, retention, UETA preemption exception, special notices, and definitions. | **Fresh official OLRC display read.** Display states laws in effect through Public Law 119-120, October 7, 2026, despite 119-118 in URL path. Used only for e-record boundary, not federal debt-relief timing. [U.S. Code+3](https://uscode.house.gov/us/usc/119-118/t15/s7001/) |\n| **S_OR-P7-S012** | Oregon automatic-renewal provisions — current-readable reproductions | https://oregon.public.law/statutes/ors_646a.293 https://oregon.public.law/statutes/ors_646a.295 | Definitions of automatic renewal, continuous service, consumer, offer terms; consent, acknowledgment, cancellation, material-change notice, and exemptions. | **Fresh secondary reads.** Conditional overlay only; no DMS-specific classification or complete official current Chapter 646A chain. [OregonLaws+2](https://oregon.public.law/statutes/ors_646a.293) |\n| **S_OR-P7-S013** | Official ORS Chapter 646A locator — Oregon Legislature | https://www.oregonlegislature.gov/bills_laws/ors/ors646a.html | Official locator/search result only. | **Direct route inaccessible/search-only.** No current official chapter certification. |\n| **S_OR-P7-S014** | Applications, forms, and reports — Oregon DFR | https://dfr.oregon.gov/business/licensing/financial/pages/applications-forms-reports.aspx | Debt-management forms section. | **Fresh official page read.** No public model DMSP agreement/disclosure listed in the checked section; not proof none exists elsewhere. [Oregon Division of Financial Regulation](https://dfr.oregon.gov/business/licensing/financial/pages/applications-forms-reports.aspx) |\n| **S_OR-P7-S015** | Oregon NMLS state-resource/checklist landing | https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=OR | Dynamic checklist route linked by DFR. | **Accessed but no usable checklist text extracted.** Not read as a substantive form and not evidence of absence. |\n| **S_OR-P7-S016** | *Persels & Associates, LLC v. DCBS*, 286 Or. App. 315 (2017) | https://law.justia.com/cases/oregon/court-of-appeals/2017/a157430.html | Framework discussion and attorney-exemption holding; opinion lines describing budget, agreement, records, fees, and disclosures. | **Fresh secondary reproduction of controlling Oregon Court of Appeals opinion read.** Official OJD text not recovered. [Justia Law](https://law.justia.com/cases/oregon/court-of-appeals/2017/a157430.html) |\n| **S_OR-P7-S017** | Daniel March / Litigation Practice Group Final Order, DM-23-0062 — Oregon DFR | https://dfr.oregon.gov/AdminOrders/MarchFinalOrder_SIGG.pdf | Budget-analysis findings on printed p.13 / PDF index 12; final-order date on printed p.20 / index 19; review notice p.21 / index 20. | **Fresh official agency order; targeted text and page image read.** Final order dated August 5, 2025; no appellate-status check. [Oregon Division of Financial Regulation+1](https://dfr.oregon.gov/AdminOrders/MarchFinalOrder_SIGG.pdf) |\n| **S_OR-P7-S018** | Trimarche / GST Factoring Consent Order — Oregon DFR | https://dfr.oregon.gov/AdminOrders/enf-orders-2021/Consent%20Order%20-%20Trimarche%20-%20SIGG.pdf | Agreement/disclosure deficiencies printed pp.4–5 / PDF indices 3–4; order date printed p.7 / index 6. | **Fresh official consent order; targeted text and page image read.** Consent disposition, not contested precedent or contract approval. [Oregon Division of Financial Regulation+1](https://dfr.oregon.gov/AdminOrders/enf-orders-2021/Consent%20Order%20-%20Trimarche%20-%20SIGG.pdf) |\n| **S_OR-P7-S019** | Premier Legal Service default order — Oregon DFR | https://dfr.oregon.gov/AdminOrders/Default%20Order%20Premier%20Legal%20Service_SIGG.pdf | Agreement and budget deficiencies printed p.10 / PDF index 9; final-order date printed p.15 / index 14. | **Fresh official default order; targeted text and page image read.** Mixed mortgage/DMS matter; not contested precedent. [Oregon Division of Financial Regulation+1](https://dfr.oregon.gov/AdminOrders/Default%20Order%20Premier%20Legal%20Service_SIGG.pdf) |\n\n# C. Claim table\n\n| Claim ID | Precise assertion | Sources and pinpoints | Conditions, currentness, and confidence |\n| --- | --- | --- | --- |\n| **S_OR-P7-C001** | A covered provider may not enter a DMS agreement until it completes the applicable budget analysis and determines services are feasible and advantageous. | S001, OAR 441-910-0145(1); S003, ORS 697.652(2). | High confidence from current official rule plus secondary statute. [Oregon Secretary of State+1](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179) |\n| **S_OR-P7-C002** | “Advantageous” requires a more favorable position considering suitability and ability to pay. | S001, OAR 441-910-0000(2). | High confidence. [Oregon Secretary of State](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179) |\n| **S_OR-P7-C003** | Provider must form a good-faith belief after evaluation that consumer can or will comply with agreement. | S005, ORS 697.662(4)–(5). | High confidence in readable text; current official chapter held. [OregonLaws](https://oregon.public.law/statutes/ors_697.662) |\n| **S_OR-P7-C004** | General budget minimum contents include the financial, household, creditor, judgment, surplus, and anticipated-change items identified in OAR 441-910-0145(1). | S001, OAR 441-910-0145(1)(a)–(L). | High confidence. [Oregon Secretary of State](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179) |\n| **S_OR-P7-C005** | Credit-improvement agreements have the reduced budget-content list in OAR 441-910-0145(2). | S001, OAR 441-910-0145(2). | High confidence; credit-only fee conflict remains unresolved. [Oregon Secretary of State](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179) |\n| **S_OR-P7-C006** | Provider must give the consumer the written budget package with information-dependency, advantageous-options, budget-copy, and creditor-rejection statements. | S001, OAR 441-910-0145(3). | High confidence. [Oregon Secretary of State](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179) |\n| **S_OR-P7-C007** | Provider may not perform DMS without a written agreement. | S003, ORS 697.652(1); S002 guidance. | High confidence. [OregonLaws+1](https://oregon.public.law/statutes/ors_697.652) |\n| **S_OR-P7-C008** | Agreement must identify parties, every serviced debt and creditor, services, fees, calculation, schedule, access rights, completion estimate, cancellation, and creditor notice, with custody-conditional clauses where stated. | S003, ORS 697.652(1)(a)–(k). | High confidence as to readable wording. [OregonLaws](https://oregon.public.law/statutes/ors_697.652) |\n| **S_OR-P7-C009** | Held-funds agreement must state precise reasonable payment; quarterly statement clause applies to funds held. | S003, ORS 697.652(1)(c), (i). | High confidence. [OregonLaws](https://oregon.public.law/statutes/ors_697.652) |\n| **S_OR-P7-C010** | Consumer must be able to inspect the account or receive a full statement within two business days electronically or seven business days by mail. | S003, ORS 697.652(1)(f). | High confidence; DFR’s “seven days” summary is imprecise. [OregonLaws+1](https://oregon.public.law/statutes/ors_697.652) |\n| **S_OR-P7-C011** | Provider may terminate without consumer authorization only after more than 60 days of missed scheduled periodic payments. | S003 §697.652(1)(g); S005 §697.662(10). | High confidence; no universal forfeiture follows. [OregonLaws+1](https://oregon.public.law/statutes/ors_697.652) |\n| **S_OR-P7-C012** | Separate budget analysis must be given before both parties sign, and legible signed-and-dated copy must be provided as soon as practicable after signing. | S003 §697.652(2)–(3). | High confidence; no exact delivery-day count. [OregonLaws](https://oregon.public.law/statutes/ors_697.652) |\n| **S_OR-P7-C013** | No separate contract may be used for each debt; one contract may specify different services by debt. | S001, OAR 441-910-0094. | High confidence. [Oregon Secretary of State](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179) |\n| **S_OR-P7-C014** | Jointly held debt served for co-debtors ordinarily receives one fee set; separate individually held spouse/partner debts may support separate contracts if provider proves basis. | S001, OAR 441-910-0094(2)–(3). | High confidence; fee amounts not rerun. [Oregon Secretary of State](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179) |\n| **S_OR-P7-C015** | Required disclosures must precede charging or receiving an ORS 697.692 fee. | S004, ORS 697.707(1). | High confidence; not complete fee authorization. [OregonLaws](https://oregon.public.law/statutes/ors_697.707) |\n| **S_OR-P7-C016** | Universal disclosures include maximum charge, consumer responsibility, tax warning, detailed services/prices, and bond/surety information. | S004, ORS 697.707(2). | High confidence; DFR credit-only tax carveout not in statute. [OregonLaws+1](https://oregon.public.law/statutes/ors_697.707) |\n| **S_OR-P7-C017** | Credit-improvement and specified advice services require additional CRA review-right and cost/no-cost disclosures. | S004, ORS 697.707(3). | High confidence. [OregonLaws](https://oregon.public.law/statutes/ors_697.707) |\n| **S_OR-P7-C018** | Every provider that does not hold funds directly or indirectly must include all six noncustodial statements in ORS 697.707(4). | S004, ORS 697.707(4)(a)–(f). | High confidence; actual custody is factual. [OregonLaws](https://oregon.public.law/statutes/ors_697.707) |\n| **S_OR-P7-C019** | Disclosure document must contain consumer signature space under read-and-understand statement. | S004, ORS 697.707(5). | High confidence. [OregonLaws](https://oregon.public.law/statutes/ors_697.707) |\n| **S_OR-P7-C020** | Current rule requires retention of disclosure documents signed before contract entry. | S001, OAR 441-910-0200(1)(a). | High confidence as rule-based timing; statute itself speaks directly to pre-fee timing. [Oregon Secretary of State](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179) |\n| **S_OR-P7-C021** | Provider must retain agreements, budgets, authorizations, cancellation notices, and correspondence for the rule’s retention period. | S001, OAR 441-910-0200; S005, ORS 697.672. | High confidence; other retention laws unreviewed. [Oregon Secretary of State+1](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179) |\n| **S_OR-P7-C022** | Loan-modification service under DMS registration requires existing default/imminent default/objective basis, no new-loan fees, and long-term change to existing obligation. | S001, OAR 441-910-0135. | High confidence; mortgage overlays remain excluded. [Oregon Secretary of State](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179) |\n| **S_OR-P7-C023** | Narrow education/nonprofit exemptions do not cover other DMS activity or brokering. | S001, OAR 441-910-0005(3)–(5); S005, ORS 697.612. | High confidence for rule; entity facts unknown. [Oregon Secretary of State](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179) |\n| **S_OR-P7-C024** | Electronic record/signature can satisfy writing/signature requirements, but only where parties agreed to transact electronically and the act is attributable to signer. | S009, ORS 84.013, 84.019, 84.025. | Medium-high confidence; official current Chapter 84 chain held. [OregonLaws+2](https://oregon.public.law/statutes/ors_84.013) |\n| **S_OR-P7-C025** | Required electronic writing must be retainable at receipt; sender cannot inhibit printing/storage. | S009, ORS 84.022. | Medium-high confidence. [OregonLaws](https://oregon.public.law/statutes/ors_84.022) |\n| **S_OR-P7-C026** | Personal/family/household electronic disclosures require affirmative informed consent, access demonstration, and technology-change procedures. | S009, ORS 84.070(1)–(3). | Medium-high confidence; individual business-purpose application differs. [OregonLaws+1](https://oregon.public.law/statutes/ors_84.070) |\n| **S_OR-P7-C027** | Electronically retained records must accurately reflect final information and remain accessible. | S009, ORS 84.034. | Medium-high confidence. [OregonLaws](https://oregon.public.law/statutes/ors_84.034) |\n| **S_OR-P7-C028** | UETA/E-SIGN do not authorize electronic primary-residence default, foreclosure, eviction, acceleration, repossession, or right-to-cure notices. | S009, ORS 84.070(10)(b); S011, 15 U.S.C. §7003(b)(2)(B). | High confidence in checked texts. [OregonLaws+1](https://oregon.public.law/statutes/ors_84.070) |\n| **S_OR-P7-C029** | Consumer cancellation is effective on mailing or immediately if emailed/faxed; ten-day notice requirement is distinct. | S003, ORS 697.652(1)(j). | High confidence; no calendar calculation. [OregonLaws](https://oregon.public.law/statutes/ors_697.652) |\n| **S_OR-P7-C030** | Early cancellation requires refund of all fees paid; later cancellation requires return of currently held unexpended consumer funds. | S003, ORS 697.652(1)(j)(C). | High confidence; prior P2 balance correction preserved. [OregonLaws](https://oregon.public.law/statutes/ors_697.652) |\n| **S_OR-P7-C031** | Chapter 697 waivers or contract provisions purporting to waive or violate ORS 697.602–697.842 are void and unenforceable. | S003, ORS 697.652(4). | High confidence; not every unrelated contract term is void. [OregonLaws](https://oregon.public.law/statutes/ors_697.652) |\n| **S_OR-P7-C032** | Blank instruments, releases of provider obligations, confessions of judgment, specified powers of attorney, and later liquidated-damages charges/reserves are prohibited. | S005, ORS 697.662(6)–(8). | High confidence in readable text. [OregonLaws](https://oregon.public.law/statutes/ors_697.662) |\n| **S_OR-P7-C033** | A newly added debt cannot be serviced while absent from the required debt list; written amendment/replacement is the best-supported compliance inference. | S003 §697.652(1)(b); S001 OAR 441-910-0094. | Inference; exact amendment and re-signature procedure unresolved. [OregonLaws+1](https://oregon.public.law/statutes/ors_697.652) |\n| **S_OR-P7-C034** | No general Chapter 697 amendment, assignment, or successor-provider process was located in the complete current Division 910 display and reviewed statutory provisions. | S001; S003–S005. | Bounded negative finding, not proof no other law applies. |\n| **S_OR-P7-C035** | Oregon automatic-renewal law may conditionally apply to a personal/family/household paid subscription or continuous-service DMS arrangement. | S012, ORS 646A.293–.295. | Materially fact-dependent; official current chain and DMS-specific application held. [OregonLaws+1](https://oregon.public.law/statutes/ors_646a.293) |\n| **S_OR-P7-C036** | Applicant submission of sample agreement/disclosures/budget is required but does not itself constitute universal contract approval. | S001 OAR 441-910-0010(2); S002. | High confidence as procedure; no actual submission reviewed. [Oregon Secretary of State+1](https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179) |\n| **S_OR-P7-C037** | No complete public current DFR model DMS agreement or disclosure form was recovered from checked routes. | S014–S015. | Not proof none exists inside NMLS or elsewhere. [Oregon Division of Financial Regulation](https://dfr.oregon.gov/business/licensing/financial/pages/applications-forms-reports.aspx) |\n| **S_OR-P7-C038** | *Persels* confirms the regulatory framework and narrow attorney exemption, but does not approve contract language or decide e-sign issues. | S016. | High confidence as to holding; opinion accessed through Justia. [Justia Law](https://law.justia.com/cases/oregon/court-of-appeals/2017/a157430.html) |\n| **S_OR-P7-C039** | March final order treated post-signing credit analysis as insufficient to satisfy preagreement budget requirement for four consumers. | S017, printed p.13 / PDF index 12. | Formal agency order; appellate status unchecked. [Oregon Division of Financial Regulation+1](https://dfr.oregon.gov/AdminOrders/MarchFinalOrder_SIGG.pdf) |\n| **S_OR-P7-C040** | Trimarche consent order identified missing mandatory agreement and disclosure terms, but is not a universal model approval. | S018, printed pp.4–5 / indices 3–4. | Consent order; fact-specific. [Oregon Division of Financial Regulation+1](https://dfr.oregon.gov/AdminOrders/enf-orders-2021/Consent%20Order%20-%20Trimarche%20-%20SIGG.pdf) |\n| **S_OR-P7-C041** | No explicit Oregon Chapter 697 state service-hold period after signing was located solely because the early cancellation period remains open. | S001 complete Division 910; S003. | Bounded negative finding; federal and sector overlays remain open. |\n| **S_OR-P7-C042** | No actual SettleADebt agreement, disclosure, e-sign consent, budget, amendment, cancellation, provider termination, or model facts were reviewed. | No private documents supplied or sought. | Provider-specific compliance wholly unresolved. |\n\n# D. Component coverage and gap table\n\n| PASS-07 component | Status | Claims | Exact remaining evidence / next action |\n| --- | --- | --- | --- |\n| Preagreement budget analysis | **Answered in core** | C001-C006 | Apply actual consumer facts and provider methodology. |\n| General budget minimum contents | **Answered** | C004 | Actual worksheet and completeness unknown. |\n| Credit-improvement budget | **Answered textually; legal conflict held** | C005 | Resolve ORS 697.692(1)(f) versus OAR 0145/ORS 652 through authoritative interpretation or controlling decision. |\n| Feasibility/advantageousness | **Answered in core** | C001-C003 | No numerical regulator standard located; actual underwriting remains unknown. |\n| Counseling requirement | **Partial** | C006 | Written options discussion established; no universal live-session duration or script located. |\n| Written agreement prerequisite | **Answered** | C007 | Actual execution and provider identity unknown. |\n| Universal agreement clauses | **Answered** | C008-C012 | Apply model and actual contract. |\n| Custodial clauses | **Answered for agreement only** | C009 | Funds architecture remains PASS-03. |\n| Noncustodial disclosures | **Answered textually** | C018 | Actual custody/control/administrator facts remain open. |\n| Credit-specific disclosures | **Answered** | C017 | Actual representations and federal credit-repair law remain open. |\n| Loan-modification agreement conditions | **Answered narrowly** | C022 | Mortgage, foreclosure, licensing, servicing, and federal overlays remain separate. |\n| Education/nonprofit branch | **Partial** | C023 | Entity and activity facts needed to establish exemption. |\n| Attorney model | **Answered at framework level** | C038 | Actual attorney/client/incidental-practice facts remain open. |\n| Disclosure-before-fee timing | **Answered as prerequisite** | C015 | Fee earning and collection timing remain preserved from P1/P2. |\n| Signed disclosure before contract | **Answered under current rule** | C019-C020 | Actual signature process unknown. |\n| Both-party signature/date | **Answered** | C012, C024 | Attribution and authority for actual signers unknown. |\n| Legible copy delivery | **Answered** | C012 | No exact deadline or actual delivery evidence. |\n| Paper form/font/language | **Partial** | C025 and bounded source search | No universal Chapter 697 font or translation rule located; other sector/access laws remain open. |\n| Electronic signature validity | **Answered conditionally** | C024-C028 | Actual consent, access demonstration, authentication, delivery, and transaction purpose required. |\n| Personal-purpose electronic consent | **Answered conditionally** | C026 | Individual business-purpose debts may fall outside the special consumer definition. |\n| Electronic retention | **Answered in core** | C025-C027 | Actual system and record export unavailable. |\n| Primary-residence notice exception | **Answered narrowly** | C028 | Mortgage-specific notice law remains separate. |\n| Early cancellation clause | **Answered** | C029-C030 | Actual agreement date/business-day calendar unknown. |\n| Later cancellation notice/effectiveness | **Answered** | C029-C030 | No invented date calculation; actual sent notice unknown. |\n| Later current-balance return | **Preserved, not rerun** | C030 | Actual ledger, pending payments, and lawful fee status remain unknown. |\n| Provider termination | **Answered in core** | C011 | Closeout, creditor notice, funds disposition, and servicing transfer remain open. |\n| Waiver | **Answered narrowly** | C031 | Arbitration, forum, class waiver, and general contract enforceability remain later litigation scope. |\n| Prohibited clauses | **Answered in core** | C032 | Actual contract absent. |\n| Adding debts | **Partial / compliance inference** | C033 | Obtain actual amendment and authoritative treatment of new cancellation/budget rights. |\n| Service amendments | **Unresolved procedurally** | C033-C034 | No general amendment form, re-signature rule, or restart rule found. |\n| Fee changes | **Partial** | C008, C015-C016 | Must keep documents accurate; exact amendment mechanics and fee legality remain held. |\n| Assignment/successor provider | **Unresolved** | C034 | Contract, registration, funds, bond, notice, and successor-liability analysis required. |\n| Automatic renewal | **Conditional overlay only** | C035 | Characterize actual arrangement and authenticate current official Chapter 646A chain. |\n| Material-change notice | **Conditional overlay only** | C035 | Applies only if ORS 646A.293/.295 governs actual agreement. |\n| Public model agreement | **Not recovered** | C037 | Retrieve public NMLS rendering or agency form if later accessible. |\n| NMLS checklist | **Not read** | C037 | Dynamic public route supplied no extractable content; no absence inference. |\n| DFR sample-document review | **Answered as application procedure** | C036 | No actual submission, approval letter, condition, or provider record reviewed. |\n| Controlling agreement case | **Partial** | C038 | *Persels* is framework/exemption case, not clause sufficiency case. |\n| Agency contract interpretations | **Partial** | C039-C040 | Orders are fact-specific; appellate and broader precedential status limited. |\n| E-signature case law | **Unresolved after targeted search** | — | Dedicated Oregon litigation search required if operationally material. |\n| State service-hold period | **No Chapter 697 hold found** | C041 | Federal CROA and other laws remain preserved and may impose one. |\n| Actual provider agreement and disclosures | **Unresolved / not reviewed** | C042 | Exact legal entity, contract version, budget, disclosures, e-sign records, account model, and amendments required. |\n| Full fee/CPI/savings timing | **Excluded and preserved** | — | P1/P2 holds remain. |\n| Funds/trust/interest/ownership/717 | **Excluded and preserved** | — | P3 holds remain. |\n| Bond/recovery/form/priority | **Excluded and preserved** | — | P5 and unaccepted P6 remain separate. |\n| UTPA/tort/arbitration/limitations/litigation | **Excluded except necessary boundary** | — | Later pass required. |\n| Bankruptcy, collection, secured debt, sector, local, tribal, country | **Excluded** | — | Separate passes remain required. |\n| Seven parent-state dimensions / A066 | **Open** | — | No acceptance implied. |\n\n# E. Researcher self-check\n\n## Freshly read or inspected\n\n- Complete current displayed OAR Chapter 441, Division 910.\n- Exact current rules governing:advantageousness;applicant sample agreements and disclosures;one-contract/multiple-debt treatment;loan-modification conditions;general and credit-improvement budgets;disclosure of passed-through charges;contract, disclosure, budget, authorization, cancellation, and correspondence retention.\n- Current DFR debt-management application and agreement/disclosure guidance.\n- Current DFR public forms page.\n- Current-readable ORS 697.652, 697.707, and the necessary related Chapter 697 sections.\n- Official HB 2191:§5 printed pp.5–8 / PDF indices 4–7;§11 printed pp.13–14 / indices 12–13.\n- The affected HB 2191 pages were visually inspected. Bracketed deleted text was not treated as operative.\n- Current-readable Oregon UETA sections governing electronic signatures, party agreement, retainability, attribution, retention, consumer consent, and special notices.\n- Current OLRC E-SIGN provisions through Public Law 119-120, October 7, 2026.\n- Current-readable Oregon automatic-renewal provisions.\n- *Persels*.\n- Daniel March final order.\n- Trimarche consent order.\n- Premier Legal Service default order.\n- Relevant agency-order PDF pages were visually inspected.\n\n## Explicit reuse without rerunning\n\n- PASS-01 classification, registration, exemptions, fee structures, and currentness holds.\n- PASS-02’s two separate later-cancellation money states.\n- PASS-03 consumer-funds findings and unresolved account facts.\n- PASS-04’s accepted-with-limits P3 source and order corrections.\n- PASS-05’s separately reviewed bond component.\n- PASS-06 was not assumed accepted or used to resolve this agreement component.\n- Previously verified TSR/CROA wording was not rerun.\n\n## Failed, inaccessible, or not substantively read\n\n- Official current ORS Chapter 697 direct text.\n- Official current ORS Chapter 84 direct text.\n- Official current ORS Chapter 646A direct text.\n- Complete dynamic NMLS Oregon DMSP checklist.\n- Any private or provider-specific contract, budget, disclosure, signature log, consent screen, amendment, cancellation, or account record.\n\nThese failures were not treated as proof that no current amendment, form, rule, interpretation, or document exists.\n\n## Not established\n\n- A complete official post-2009 Chapter 697 amendment chain.\n- Exact treatment of pre-effective-date contracts under HB 2191 §§28, 29, and 31.\n- Resolution of the credit-only budget conflict.\n- A public state-approved model agreement.\n- A universal amendment, assignment, or renewal rule.\n- Actual electronic consent or signer attribution.\n- Actual service commencement, fee earning, cancellation delivery, provider termination, or return of money.\n- Actual SettleADebt legal entity, registration, agreement, disclosures, bond, account architecture, or federal coverage.\n- Full UTPA, tort, arbitration, civil procedure, limitations, bankruptcy, collection, secured-debt, sector, local, tribal, country, or parent-state analysis.\n- No application, filing, contact, opinion request, purchase, account change, private-data access, Chrome control, other Chat, local write, site action, or publication action occurred.\n\n**END S_OR PASS-07**\n\n","tables":[{"headers":["Event","Required act","Legal timing","Qualification"],"index":0,"links":[{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State\n+1"},{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"},{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State\n+1"},{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State\n+1"},{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State\n+1"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws\n+1"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"}],"row_links":[[],[{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State\n+1"}],[],[{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"}],[{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State\n+1"}],[{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State\n+1"}],[{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State\n+1"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws\n+1"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"}],[],[{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"}]],"rows":[["Event","Required act","Legal timing","Qualification"],["E0 — classify the activity","Determine whether the proposed conduct is a covered debt-management service and whether a proved exemption applies.","Before relying on the Chapter 697 agreement package or claiming exemption from it.","Exemption boundaries remain preserved from PASS-01. The claimant bears the statutory burden of proving an exemption. \nOregon Secretary of State\n+1"],["E1 — collect the consumer facts","Obtain the financial, debt, housing, income, creditor, and other facts needed for the applicable budget analysis.","Before completing the analysis.","No private consumer information was supplied or requested here."],["E2 — complete the budget analysis","Prepare the applicable written or readily reducible-to-writing analysis.","Before entering the agreement.","General and credit-improvement analyses have different minimum content. \nOregon Secretary of State"],["E3 — suitability determination","Determine that the proposed services are feasible and advantageous; form a good-faith belief that the consumer can or will comply with the agreement.","Before contract entry and before service performance.","“Advantageous” considers suitability and ability to pay, not merely potential debt reduction. \nOregon Secretary of State\n+1"],["E4 — deliver the budget package","Give the consumer a written document stating that the analysis depends on consumer-provided information, discussing advantageous options, including the budget copy, and warning that creditors may reject the plan.","Before agreement signature because the separate analysis must be given before both parties sign.","No universal oral counseling-session requirement was located; the required written package cannot be replaced by a sales call. \nOregon Secretary of State\n+1"],["E5 — provide and obtain signature on disclosures","Give the ORS 697.707 disclosure document, including universal and model-specific disclosures, with the consumer’s signature under the read-and-understand statement.","The current record rule describes the disclosure documents as signed before contract entry; all required disclosures must precede charging or receiving an ORS 697.692 fee.","The reviewed law does not fix E4 versus E5 order; both must precede contract entry. \nOregon Secretary of State\n+1"],["E6 — execute written agreement","Consumer and provider sign and date a written agreement containing all applicable mandatory clauses.","Before performing a debt-management service.","Blank spaces may not remain at or after consumer signature. \nOregonLaws\n+1"],["E7 — deliver contract copy","Give the consumer a legible copy of the signed and dated agreement.","As soon as practicable after both sides sign and date it.","No exact number of days is stated. \nOregonLaws"],["E8 — perform services","Begin only services described in the written agreement.","After agreement entry.","No Oregon Chapter 697 clause located here imposes a separate state service-hold period during the early cancellation window. Federal credit-repair or other law may independently do so and remains outside this rerun."],["E9 — request or receive money","Charge or receive only a legally applicable fee after required disclosures and subject to all fee-specific, contract, performance, and federal limits.","ORS 697.707 disclosures are a minimum prerequisite, not complete fee authorization.","A disclosure does not turn a ceiling into an earned fee or resolve the saved savings-discharge and credit-only issues. \nOregonLaws"]]},{"headers":["Model","Agreement and analysis result","Additional requirements or holds"],"index":1,"links":[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws\n+1"},{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"},{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State\n+1"},{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"},{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"},{"href":"https://law.justia.com/cases/oregon/court-of-appeals/2017/a157430.html","text":"Justia Law"}],"row_links":[[],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws\n+1"}],[{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"}],[{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State\n+1"}],[{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"}],[{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"}],[{"href":"https://law.justia.com/cases/oregon/court-of-appeals/2017/a157430.html","text":"Justia Law"}]],"rows":[["Model","Agreement and analysis result","Additional requirements or holds"],["Custodial DMP/payment plan","Full written agreement and general budget analysis.","Precise reasonable payment amount if funds are held, quarterly held-funds statements, trust-interest disclosures where applicable, and complete payment schedule. Actual funds duties remain PASS-03. \nOregonLaws\n+1"],["Noncustodial settlement","Full written agreement and ordinarily the general budget analysis.","Six additional noncustody disclosures under ORS 697.707(4). Actual noncustody must be proved by account/control facts; the label is insufficient. \nOregonLaws"],["Credit improvement / credit repair","Written agreement, signed disclosures, and the reduced OAR credit-improvement budget.","Additional credit-report rights and price/no-cost disclosures. The ORS 697.692(1)(f) “does not conduct a budget analysis” tension remains unresolved. \nOregon Secretary of State\n+1"],["Loan modification","Written agreement, budget analysis, and ordinary disclosures if the activity is covered and nonexempt.","Existing obligation must be in or objectively near default; no new-loan fees; contract must make or anticipate long-term changes; the provider cannot use DMS registration to make a new loan. \nOregon Secretary of State"],["Education-only / nonprofit advice","Chapter 697 package may not apply if a narrow exemption is actually established.","A §111 bankruptcy briefing exemption bars other DMS activity; the generic nonprofit exemption bars DMS activity, brokering, and the OAR budget analysis. A label does not establish exemption. \nOregon Secretary of State"],["Attorney-linked model","Full package applies if the activity is covered and the narrow attorney exemption is not proved.","Persels affirmed that the attorney connection did not exempt a debt-settlement law firm whose business fell within the regulated system. \nJustia Law"]]},{"headers":["Clause or document item","Scope","Exact requirement","Boundary or failure case"],"index":2,"links":[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws\n+1"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws\n+1"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws\n+1"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws\n+1"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.682","text":"OregonLaws"},{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"},{"href":"https://oregon.public.law/statutes/ors_697.662","text":"OregonLaws"}],"row_links":[[],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws\n+1"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws\n+1"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws\n+1"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws\n+1"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.682","text":"OregonLaws"}],[{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"}],[{"href":"https://oregon.public.law/statutes/ors_697.662","text":"OregonLaws"}]],"rows":[["Clause or document item","Scope","Exact requirement","Boundary or failure case"],["Provider and consumer identity","All covered agreements","Provider and consumer names and telephone numbers; provider fax, email, website, or other URL to the extent available.","A DBA alone is not enough if it obscures the contracting provider. \nOregonLaws"],["Debt and creditor mapping","Every debt receiving service","List every covered debt, each creditor’s name, and approximate total of all identified debts.","A debt cannot be serviced while omitted merely because the consumer disclosed it orally. \nOregonLaws"],["Reasonable payment amount","Custodial only by literal clause","State precisely how much the consumer can reasonably pay if the provider holds funds directly or indirectly for distribution.","Does not itself authorize taking or retaining that amount. \nOregonLaws"],["Services","All covered agreements","Describe in precise terms every debt-management service the provider will perform.","Generic promises such as “financial assistance” or “legal support” do not replace the required description. \nOregonLaws"],["Fees and calculation","All covered agreements","Itemize fees and explain how the amount of each fee is calculated.","Disclosure of a fee does not establish legality, earning, or timing. \nOregonLaws"],["Installment schedule","Literal statute is broad; practical relevance depends on model","Show approximate number and amount of installments and payment/satisfaction ratio or arrangement.","DFR groups this under more-than-credit-repair services, but the statute itself does not state that carveout. \nOregonLaws\n+1"],["Account inspection or statement","All covered agreements on the text","Permit office examination or a full written account statement within two business days electronically or seven business days by mail.","DFR’s webpage says seven “days”; statutory text says seven business days. \nOregonLaws\n+1"],["Provider termination clause","All agreements on the literal text; operates when periodic payments exist","State that provider may cancel without consumer’s written authorization if scheduled periodic payments are missed for more than 60 days.","Not a general at-will termination right and not an automatic forfeiture provision. \nOregonLaws\n+1"],["Completion estimate","All covered agreements","Estimate the time required to complete identified services.","Must not be represented misleadingly as a guaranteed settlement date. \nOregonLaws\n+1"],["Quarterly funds statement","Where provider holds funds directly or indirectly","Promise a financial statement each calendar quarter concerning consumer funds held.","Does not replace the consumer’s separate on-request statement right. \nOregonLaws"],["Early cancellation","All covered agreements","Permit cancellation before midnight of the third business day after agreement entry and require refund of all fees paid before that cancellation.","No business-day calendar is calculated in this pass. \nOregonLaws"],["Later cancellation","All covered agreements","Permit cancellation during the remaining term after ten calendar days’ written notice for any reason.","The notice requirement is distinct from the separate effectiveness language. \nOregonLaws"],["Cancellation effectiveness","All covered agreements","Effective on mailing; immediate if sent by email or fax.","No invented ten-day delayed-effective-date calculation. \nOregonLaws"],["Later funds return","Where provider currently holds unexpended consumer funds","Return all consumer funds then held directly or indirectly and not expended.","Preserve the accepted P2 distinction: starting receipts minus remittances versus an already-current held balance; no double subtraction or invented fee deduction. \nOregonLaws"],["Creditor notice","Literal clause applies broadly","State that provider will notify creditors in writing that it may negotiate on the consumer’s behalf.","The text has no express credit-repair carveout, though it may have no practical target where no negotiation is offered. \nOregonLaws"],["Separate budget analysis","Covered agreement prerequisite","Must be separate from agreement and evaluate advantageousness.","A clause inside the agreement is not the separate analysis. \nOregonLaws"],["Signatures and dates","All covered agreements","Consumer and provider sign and date the agreement.","Electronic signatures are conditional, as addressed below. \nOregonLaws"],["Legible copy","All covered agreements","Provider gives a legible signed-and-dated copy as soon as practicable.","No precise day count or required delivery channel is stated in Chapter 697. \nOregonLaws"],["Interest disclosure","Trust-account model","Agreement and financial statements must disclose consumer-attributable interest exceeding maintenance fees.","Interest ownership and allocation remain PASS-03 gaps. \nOregonLaws"],["One-contract rule","Multiple debts","No separate contract for each debt; one contract may provide different services for different debts.","Separate individual spouse/partner debts can support separate agreements only if provider proves the basis. \nOregon Secretary of State"],["No blanks","All instruments accepted from consumer","No agreement, promise, or other instrument may contain blank spaces at or after consumer signature.","“We will fill in the creditor list later” is not supported. \nOregonLaws"]]},{"headers":["Disclosure","Scope","Required content","Qualification"],"index":3,"links":[{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws\n+1"},{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws\n+1"},{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"},{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"}],"row_links":[[],[{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws\n+1"}],[{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws\n+1"}],[{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"}],[{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"}]],"rows":[["Disclosure","Scope","Required content","Qualification"],["Maximum total charge","Every consumer offered covered services","Maximum amount provider may charge for all services.","Maximum does not equal earned or immediately collectible amount. \nOregonLaws"],["Responsibility for charges","Universal","State consumer is responsible for paying provider charges.","Does not shift creditor debt or tax liability. \nOregonLaws"],["Canceled-debt tax warning","Universal on statutory text","Warn that canceled debt may be taxable income and advise consulting a tax professional.","DFR’s webpage says not required for credit-repair-only companies, but no matching statutory carveout appears in ORS 697.707(2)(c). The statutory text remains controlling unless an operative formal exception is found. \nOregonLaws\n+1"],["Detailed service and price disclosure","Universal","Describe services completely and in detail; state amount for each and all services.","Must align with agreement; discrepancies are not resolved by choosing the cheaper document. \nOregonLaws"],["Bond action and surety identity","Universal","State consumer may bring an action against required bond and list surety name and address.","Bond scope and claims remain PASS-05/PASS-06 issues. \nOregonLaws"],["Credit-report review rights","Credit improvement or compensated credit-related advice","Accurate and complete description of consumer’s right to review CRA-maintained information.","Applies to the specified statutory activity, not every DMS solely because credit might be affected. \nOregonLaws"],["Credit-report price/no-cost route","Same credit branch","Approximate CRA price and notice of free review if requested within 30 days after credit denial.","OAR 441-910-0150 also requires disclosure of passed-through report costs. \nOregonLaws\n+1"],["No result guarantee","Every provider not holding funds directly or indirectly","State provider cannot predict or guarantee specific results and cannot force creditor acceptance.","Actual noncustody remains factual, not a label. \nOregonLaws"],["No scheduled creditor payments","Noncustodial branch","State provider does not make scheduled periodic creditor payments.","An administrator doing so may undermine the stated architecture. \nOregonLaws"],["Continuing collection risk","Noncustodial branch","State creditors may continue collection, including lawsuits.","No promise to halt suit or garnishment may contradict it. \nOregonLaws"],["Credit harm warning","Noncustodial branch","State failure to make monthly debt payments will likely negatively affect credit score.","Does not exhaust every consequence of nonpayment. \nOregonLaws"],["Consumer-owned account","Noncustodial branch","State consumer must make regular deposits into a consumer-established, consumer-maintained, specifically designated insured-institution account.","PASS-03 holds actual ownership and access facts. \nOregonLaws"],["Specific fee authorization/no access","Noncustodial branch","State fee withdrawals require specific authorization and provider lacks custody, control, separate access, or additional access.","A standing authorization’s sufficiency was not resolved. \nOregonLaws"],["Signature acknowledgment","Every disclosure document","Space for consumer signature under statement that consumer read and understands disclosures.","A signature does not cure a false, missing, or contradictory disclosure. \nOregonLaws"],["Passed-through report/NSF charges","When applicable","Disclose passed-through credit-report cost and actual NSF charge before consumer becomes obligated.","No new administration or account fee is created. \nOregon Secretary of State"]]},{"headers":["Model","Budget","Agreement clauses","Disclosure additions","Material unresolved point"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Model","Budget","Agreement clauses","Disclosure additions","Material unresolved point"],["Custodial payment plan","General budget","All general clauses; precise affordable payment; schedule; quarterly held-funds statement; interest terms where applicable","Universal disclosures","Trust ownership, interest disposition, funds closeout, and fee timing remain elsewhere."],["Noncustodial principal-reduction settlement","General budget","General clauses; schedule and cancellation terms; no custody clause is established through disclosure and actual facts","Universal plus all six ORS 697.707(4) statements","Independent administrator and account access facts remain unknown."],["Credit improvement","Reduced OAR credit budget","Literal Chapter 697 agreement clauses, subject to unresolved model application","Universal plus credit-report rights and cost/no-cost disclosures","Credit-only budget/fee tension; DFR tax-warning carveout; federal CROA/TSR applicability."],["Loan modification","Ordinarily general budget","General clauses plus contract reflecting or anticipating long-term modification of existing obligation","Universal; noncustodial additions if funds are not held","Mortgage-specific disclosures, federal servicing law, foreclosure notices, and professional licensing remain outside this component."],["Bankruptcy briefing / education-only nonprofit","Exempt briefing may use a different budget not governed by OAR 0145","Chapter package may not apply only if all exemption facts are proved","No Chapter 697 conclusion without classification","Other DMS activity or brokering defeats the narrow rule-based exemption."],["Attorney-related service","Chapter package applies unless narrow exemption proved","Same","Same","Firm label and attorney affiliation are insufficient after Persels."]]},{"headers":["Source ID","Title / issuer","Direct literal URL","Exact material read","Status, access, and limitations"],"index":5,"links":[{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"},{"href":"https://dfr.oregon.gov/business/licensing/financial/pages/debt-management.aspx","text":"Oregon Division of Financial Regulation"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.662","text":"OregonLaws\n+3"},{"href":"https://olis.oregonlegislature.gov/liz/2009R1/Downloads/MeasureDocument/HB2191/Enrolled","text":"Oregon Legislative Information System\n+5"},{"href":"https://oregon.public.law/statutes/ors_84.004","text":"OregonLaws\n+8"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s7001/","text":"U.S. Code\n+3"},{"href":"https://oregon.public.law/statutes/ors_646a.293","text":"OregonLaws\n+2"},{"href":"https://dfr.oregon.gov/business/licensing/financial/pages/applications-forms-reports.aspx","text":"Oregon Division of Financial Regulation"},{"href":"https://law.justia.com/cases/oregon/court-of-appeals/2017/a157430.html","text":"Justia Law"},{"href":"https://dfr.oregon.gov/AdminOrders/MarchFinalOrder_SIGG.pdf","text":"Oregon Division of Financial Regulation\n+1"},{"href":"https://dfr.oregon.gov/AdminOrders/enf-orders-2021/Consent%20Order%20-%20Trimarche%20-%20SIGG.pdf","text":"Oregon Division of Financial Regulation\n+1"},{"href":"https://dfr.oregon.gov/AdminOrders/Default%20Order%20Premier%20Legal%20Service_SIGG.pdf","text":"Oregon Division of Financial Regulation\n+1"}],"row_links":[[],[{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"}],[{"href":"https://dfr.oregon.gov/business/licensing/financial/pages/debt-management.aspx","text":"Oregon Division of Financial Regulation"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.662","text":"OregonLaws\n+3"}],[{"href":"https://olis.oregonlegislature.gov/liz/2009R1/Downloads/MeasureDocument/HB2191/Enrolled","text":"Oregon Legislative Information System\n+5"}],[],[],[{"href":"https://oregon.public.law/statutes/ors_84.004","text":"OregonLaws\n+8"}],[],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s7001/","text":"U.S. Code\n+3"}],[{"href":"https://oregon.public.law/statutes/ors_646a.293","text":"OregonLaws\n+2"}],[],[{"href":"https://dfr.oregon.gov/business/licensing/financial/pages/applications-forms-reports.aspx","text":"Oregon Division of Financial Regulation"}],[],[{"href":"https://law.justia.com/cases/oregon/court-of-appeals/2017/a157430.html","text":"Justia Law"}],[{"href":"https://dfr.oregon.gov/AdminOrders/MarchFinalOrder_SIGG.pdf","text":"Oregon Division of Financial Regulation\n+1"}],[{"href":"https://dfr.oregon.gov/AdminOrders/enf-orders-2021/Consent%20Order%20-%20Trimarche%20-%20SIGG.pdf","text":"Oregon Division of Financial Regulation\n+1"}],[{"href":"https://dfr.oregon.gov/AdminOrders/Default%20Order%20Premier%20Legal%20Service_SIGG.pdf","text":"Oregon Division of Financial Regulation\n+1"}]],"rows":[["Source ID","Title / issuer","Direct literal URL","Exact material read","Status, access, and limitations"],["S_OR-P7-S001","OAR Chapter 441, Division 910 — Oregon Secretary of State","https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","OAR 441-910-0000(2); -0005; -0010(2)(b)–(d); -0094; -0135; -0145(1)–(3); -0150; -0200(1)–(4). Complete displayed division also searched for amendment, assignment, automatic renewal, language, font, signature, waiver, and release terms.","Fresh official current-rule display read October 25, 2026 Pacific. Operative current rule text. Displayed history read but no complete rulemaking-file audit or historical redline reconstruction. \nOregon Secretary of State"],["S_OR-P7-S002","Debt management registration and contract guidance — Oregon DFR","https://dfr.oregon.gov/business/licensing/financial/pages/debt-management.aspx","Application sample-document requirements; written-agreement summary; cancellation summary; universal, credit, and noncustodial disclosure summaries.","Fresh current official agency guidance read. Procedure and guidance, not an enactment, formal opinion, or model-contract approval. Its seven-day mailing and credit-only tax-warning statements differ from or narrow the readable statutory wording. \nOregon Division of Financial Regulation"],["S_OR-P7-S003","ORS 697.652 — written agreement and budget analysis","https://oregon.public.law/statutes/ors_697.652","Subsections (1)(a)–(k), (2), (3), and (4)(a)–(e).","Fresh secondary read. Page says underlying official source last accessed May 10, 2025 and describes a 2023-edition-plus-2024-change compilation. Not relabeled official current law. \nOregonLaws"],["S_OR-P7-S004","ORS 697.707 — required disclosures","https://oregon.public.law/statutes/ors_697.707","Subsections (1)–(5), including universal, credit-related, noncustodial, and signature disclosures.","Fresh secondary read with same currentness limitation as S003. \nOregonLaws"],["S_OR-P7-S005","Related Chapter 697 sections — current-readable reproductions","https://oregon.public.law/statutes/ors_697.602\nhttps://oregon.public.law/statutes/ors_697.612\nhttps://oregon.public.law/statutes/ors_697.662\nhttps://oregon.public.law/statutes/ors_697.672\nhttps://oregon.public.law/statutes/ors_697.682\nhttps://oregon.public.law/statutes/ors_697.692\nhttps://oregon.public.law/statutes/ors_697.718","Definitions and exemptions; prohibited practices; records; held-funds interest/statements; credit-only fee wording; ascertainable-loss boundary.","Fresh secondary reads. Treated as one Chapter 697 source family, not seven independent authorities. Official current chapter chain remains held. \nOregonLaws\n+3"],["S_OR-P7-S006","Enrolled HB 2191-B, Oregon Laws 2009, chapter 604 — Oregon Legislative Assembly","https://olis.oregonlegislature.gov/liz/2009R1/Downloads/MeasureDocument/HB2191/Enrolled","§5 printed pp.5–8 / zero-based PDF indices 4–7; especially operative agreement clauses on printed pp.6–8 / indices 5–7. §11 printed pp.13–14 / indices 12–13. Selected page images inspected.","Fresh targeted official historical enactment read. Earlier direct-route failure and later successful overview-linked route remain preserved. Not all 28 pages and not a current amendment chain. Deleted bracketed text was not used as operative evidence. \nOregon Legislative Information System\n+5"],["S_OR-P7-S007","HB 2191 official overview — Oregon Legislative Assembly","https://olis.oregonlegislature.gov/liz/2009R1/Measures/Overview/HB2191","Official measure identity and access route to enrolled text.","Fresh official access route. Discovery/provenance route, not a second substantive enactment."],["S_OR-P7-S008","Official ORS Chapter 697 locator — Oregon Legislature","https://www.oregonlegislature.gov/bills_laws/ors/ors697.html","Official chapter locator/search result only.","Failed direct-content route. Returned 403 historically and was not repeatedly hammered. Not evidence that no amendment or exception exists."],["S_OR-P7-S009","Oregon UETA current-readable sections","https://oregon.public.law/statutes/ors_84.004\nhttps://oregon.public.law/statutes/ors_84.007\nhttps://oregon.public.law/statutes/ors_84.013\nhttps://oregon.public.law/statutes/ors_84.019\nhttps://oregon.public.law/statutes/ors_84.022\nhttps://oregon.public.law/statutes/ors_84.025\nhttps://oregon.public.law/statutes/ors_84.034\nhttps://oregon.public.law/statutes/ors_84.043\nhttps://oregon.public.law/statutes/ors_84.061\nhttps://oregon.public.law/statutes/ors_84.070","Definitions; agreement to transact electronically; recognition; retainable delivery; attribution; retention; send/receipt rules; federal supersession; consumer consent and exceptions.","Fresh secondary reads. Underlying official source shown as last accessed May 10, 2025; no complete current official Chapter 84 authentication. \nOregonLaws\n+8"],["S_OR-P7-S010","Official ORS Chapter 84 locator / historical UETA act","https://www.oregonlegislature.gov/bills_laws/ors/ors084.html\nhttps://www.oregonlegislature.gov/bills_laws/lawsstatutes/2001orLaw0535ses.html","Official locators only.","Direct routes inaccessible/search-only. No attempt to reconstruct the complete present Chapter 84 chain from search snippets."],["S_OR-P7-S011","Federal E-SIGN Act — Office of Law Revision Counsel","https://uscode.house.gov/us/usc/119-118/t15/s7001/\nhttps://uscode.house.gov/us/usc/119-118/t15/s7002/\nhttps://uscode.house.gov/us/usc/119-118/t15/s7003/\nhttps://uscode.house.gov/us/usc/119-118/t15/s7006/","15 U.S.C. §§7001–7003 and 7006: validity, consumer consent, retention, UETA preemption exception, special notices, and definitions.","Fresh official OLRC display read. Display states laws in effect through Public Law 119-120, October 7, 2026, despite 119-118 in URL path. Used only for e-record boundary, not federal debt-relief timing. \nU.S. Code\n+3"],["S_OR-P7-S012","Oregon automatic-renewal provisions — current-readable reproductions","https://oregon.public.law/statutes/ors_646a.293\nhttps://oregon.public.law/statutes/ors_646a.295","Definitions of automatic renewal, continuous service, consumer, offer terms; consent, acknowledgment, cancellation, material-change notice, and exemptions.","Fresh secondary reads. Conditional overlay only; no DMS-specific classification or complete official current Chapter 646A chain. \nOregonLaws\n+2"],["S_OR-P7-S013","Official ORS Chapter 646A locator — Oregon Legislature","https://www.oregonlegislature.gov/bills_laws/ors/ors646a.html","Official locator/search result only.","Direct route inaccessible/search-only. No current official chapter certification."],["S_OR-P7-S014","Applications, forms, and reports — Oregon DFR","https://dfr.oregon.gov/business/licensing/financial/pages/applications-forms-reports.aspx","Debt-management forms section.","Fresh official page read. No public model DMSP agreement/disclosure listed in the checked section; not proof none exists elsewhere. \nOregon Division of Financial Regulation"],["S_OR-P7-S015","Oregon NMLS state-resource/checklist landing","https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=OR","Dynamic checklist route linked by DFR.","Accessed but no usable checklist text extracted. Not read as a substantive form and not evidence of absence."],["S_OR-P7-S016","Persels & Associates, LLC v. DCBS, 286 Or. App. 315 (2017)","https://law.justia.com/cases/oregon/court-of-appeals/2017/a157430.html","Framework discussion and attorney-exemption holding; opinion lines describing budget, agreement, records, fees, and disclosures.","Fresh secondary reproduction of controlling Oregon Court of Appeals opinion read. Official OJD text not recovered. \nJustia Law"],["S_OR-P7-S017","Daniel March / Litigation Practice Group Final Order, DM-23-0062 — Oregon DFR","https://dfr.oregon.gov/AdminOrders/MarchFinalOrder_SIGG.pdf","Budget-analysis findings on printed p.13 / PDF index 12; final-order date on printed p.20 / index 19; review notice p.21 / index 20.","Fresh official agency order; targeted text and page image read. Final order dated August 5, 2025; no appellate-status check. \nOregon Division of Financial Regulation\n+1"],["S_OR-P7-S018","Trimarche / GST Factoring Consent Order — Oregon DFR","https://dfr.oregon.gov/AdminOrders/enf-orders-2021/Consent%20Order%20-%20Trimarche%20-%20SIGG.pdf","Agreement/disclosure deficiencies printed pp.4–5 / PDF indices 3–4; order date printed p.7 / index 6.","Fresh official consent order; targeted text and page image read. Consent disposition, not contested precedent or contract approval. \nOregon Division of Financial Regulation\n+1"],["S_OR-P7-S019","Premier Legal Service default order — Oregon DFR","https://dfr.oregon.gov/AdminOrders/Default%20Order%20Premier%20Legal%20Service_SIGG.pdf","Agreement and budget deficiencies printed p.10 / PDF index 9; final-order date printed p.15 / index 14.","Fresh official default order; targeted text and page image read. Mixed mortgage/DMS matter; not contested precedent. \nOregon Division of Financial Regulation\n+1"]]},{"headers":["Claim ID","Precise assertion","Sources and pinpoints","Conditions, currentness, and confidence"],"index":6,"links":[{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State\n+1"},{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"},{"href":"https://oregon.public.law/statutes/ors_697.662","text":"OregonLaws"},{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"},{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"},{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws\n+1"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws\n+1"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws\n+1"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"},{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"},{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"},{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws\n+1"},{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"},{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"},{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State\n+1"},{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"},{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"},{"href":"https://oregon.public.law/statutes/ors_84.013","text":"OregonLaws\n+2"},{"href":"https://oregon.public.law/statutes/ors_84.022","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_84.070","text":"OregonLaws\n+1"},{"href":"https://oregon.public.law/statutes/ors_84.034","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_84.070","text":"OregonLaws\n+1"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.662","text":"OregonLaws"},{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws\n+1"},{"href":"https://oregon.public.law/statutes/ors_646a.293","text":"OregonLaws\n+1"},{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State\n+1"},{"href":"https://dfr.oregon.gov/business/licensing/financial/pages/applications-forms-reports.aspx","text":"Oregon Division of Financial Regulation"},{"href":"https://law.justia.com/cases/oregon/court-of-appeals/2017/a157430.html","text":"Justia Law"},{"href":"https://dfr.oregon.gov/AdminOrders/MarchFinalOrder_SIGG.pdf","text":"Oregon Division of Financial Regulation\n+1"},{"href":"https://dfr.oregon.gov/AdminOrders/enf-orders-2021/Consent%20Order%20-%20Trimarche%20-%20SIGG.pdf","text":"Oregon Division of Financial Regulation\n+1"}],"row_links":[[],[{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State\n+1"}],[{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"}],[{"href":"https://oregon.public.law/statutes/ors_697.662","text":"OregonLaws"}],[{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"}],[{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"}],[{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws\n+1"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws\n+1"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws\n+1"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"}],[{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"}],[{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"}],[{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws\n+1"}],[{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.707","text":"OregonLaws"}],[{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"}],[{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State\n+1"}],[{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"}],[{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State"}],[{"href":"https://oregon.public.law/statutes/ors_84.013","text":"OregonLaws\n+2"}],[{"href":"https://oregon.public.law/statutes/ors_84.022","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_84.070","text":"OregonLaws\n+1"}],[{"href":"https://oregon.public.law/statutes/ors_84.034","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_84.070","text":"OregonLaws\n+1"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.662","text":"OregonLaws"}],[{"href":"https://oregon.public.law/statutes/ors_697.652","text":"OregonLaws\n+1"}],[],[{"href":"https://oregon.public.law/statutes/ors_646a.293","text":"OregonLaws\n+1"}],[{"href":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","text":"Oregon Secretary of State\n+1"}],[{"href":"https://dfr.oregon.gov/business/licensing/financial/pages/applications-forms-reports.aspx","text":"Oregon Division of Financial Regulation"}],[{"href":"https://law.justia.com/cases/oregon/court-of-appeals/2017/a157430.html","text":"Justia Law"}],[{"href":"https://dfr.oregon.gov/AdminOrders/MarchFinalOrder_SIGG.pdf","text":"Oregon Division of Financial Regulation\n+1"}],[{"href":"https://dfr.oregon.gov/AdminOrders/enf-orders-2021/Consent%20Order%20-%20Trimarche%20-%20SIGG.pdf","text":"Oregon Division of Financial Regulation\n+1"}],[],[]],"rows":[["Claim ID","Precise assertion","Sources and pinpoints","Conditions, currentness, and confidence"],["S_OR-P7-C001","A covered provider may not enter a DMS agreement until it completes the applicable budget analysis and determines services are feasible and advantageous.","S001, OAR 441-910-0145(1); S003, ORS 697.652(2).","High confidence from current official rule plus secondary statute. \nOregon Secretary of State\n+1"],["S_OR-P7-C002","“Advantageous” requires a more favorable position considering suitability and ability to pay.","S001, OAR 441-910-0000(2).","High confidence. \nOregon Secretary of State"],["S_OR-P7-C003","Provider must form a good-faith belief after evaluation that consumer can or will comply with agreement.","S005, ORS 697.662(4)–(5).","High confidence in readable text; current official chapter held. \nOregonLaws"],["S_OR-P7-C004","General budget minimum contents include the financial, household, creditor, judgment, surplus, and anticipated-change items identified in OAR 441-910-0145(1).","S001, OAR 441-910-0145(1)(a)–(L).","High confidence. \nOregon Secretary of State"],["S_OR-P7-C005","Credit-improvement agreements have the reduced budget-content list in OAR 441-910-0145(2).","S001, OAR 441-910-0145(2).","High confidence; credit-only fee conflict remains unresolved. \nOregon Secretary of State"],["S_OR-P7-C006","Provider must give the consumer the written budget package with information-dependency, advantageous-options, budget-copy, and creditor-rejection statements.","S001, OAR 441-910-0145(3).","High confidence. \nOregon Secretary of State"],["S_OR-P7-C007","Provider may not perform DMS without a written agreement.","S003, ORS 697.652(1); S002 guidance.","High confidence. \nOregonLaws\n+1"],["S_OR-P7-C008","Agreement must identify parties, every serviced debt and creditor, services, fees, calculation, schedule, access rights, completion estimate, cancellation, and creditor notice, with custody-conditional clauses where stated.","S003, ORS 697.652(1)(a)–(k).","High confidence as to readable wording. \nOregonLaws"],["S_OR-P7-C009","Held-funds agreement must state precise reasonable payment; quarterly statement clause applies to funds held.","S003, ORS 697.652(1)(c), (i).","High confidence. \nOregonLaws"],["S_OR-P7-C010","Consumer must be able to inspect the account or receive a full statement within two business days electronically or seven business days by mail.","S003, ORS 697.652(1)(f).","High confidence; DFR’s “seven days” summary is imprecise. \nOregonLaws\n+1"],["S_OR-P7-C011","Provider may terminate without consumer authorization only after more than 60 days of missed scheduled periodic payments.","S003 §697.652(1)(g); S005 §697.662(10).","High confidence; no universal forfeiture follows. \nOregonLaws\n+1"],["S_OR-P7-C012","Separate budget analysis must be given before both parties sign, and legible signed-and-dated copy must be provided as soon as practicable after signing.","S003 §697.652(2)–(3).","High confidence; no exact delivery-day count. \nOregonLaws"],["S_OR-P7-C013","No separate contract may be used for each debt; one contract may specify different services by debt.","S001, OAR 441-910-0094.","High confidence. \nOregon Secretary of State"],["S_OR-P7-C014","Jointly held debt served for co-debtors ordinarily receives one fee set; separate individually held spouse/partner debts may support separate contracts if provider proves basis.","S001, OAR 441-910-0094(2)–(3).","High confidence; fee amounts not rerun. \nOregon Secretary of State"],["S_OR-P7-C015","Required disclosures must precede charging or receiving an ORS 697.692 fee.","S004, ORS 697.707(1).","High confidence; not complete fee authorization. \nOregonLaws"],["S_OR-P7-C016","Universal disclosures include maximum charge, consumer responsibility, tax warning, detailed services/prices, and bond/surety information.","S004, ORS 697.707(2).","High confidence; DFR credit-only tax carveout not in statute. \nOregonLaws\n+1"],["S_OR-P7-C017","Credit-improvement and specified advice services require additional CRA review-right and cost/no-cost disclosures.","S004, ORS 697.707(3).","High confidence. \nOregonLaws"],["S_OR-P7-C018","Every provider that does not hold funds directly or indirectly must include all six noncustodial statements in ORS 697.707(4).","S004, ORS 697.707(4)(a)–(f).","High confidence; actual custody is factual. \nOregonLaws"],["S_OR-P7-C019","Disclosure document must contain consumer signature space under read-and-understand statement.","S004, ORS 697.707(5).","High confidence. \nOregonLaws"],["S_OR-P7-C020","Current rule requires retention of disclosure documents signed before contract entry.","S001, OAR 441-910-0200(1)(a).","High confidence as rule-based timing; statute itself speaks directly to pre-fee timing. \nOregon Secretary of State"],["S_OR-P7-C021","Provider must retain agreements, budgets, authorizations, cancellation notices, and correspondence for the rule’s retention period.","S001, OAR 441-910-0200; S005, ORS 697.672.","High confidence; other retention laws unreviewed. \nOregon Secretary of State\n+1"],["S_OR-P7-C022","Loan-modification service under DMS registration requires existing default/imminent default/objective basis, no new-loan fees, and long-term change to existing obligation.","S001, OAR 441-910-0135.","High confidence; mortgage overlays remain excluded. \nOregon Secretary of State"],["S_OR-P7-C023","Narrow education/nonprofit exemptions do not cover other DMS activity or brokering.","S001, OAR 441-910-0005(3)–(5); S005, ORS 697.612.","High confidence for rule; entity facts unknown. \nOregon Secretary of State"],["S_OR-P7-C024","Electronic record/signature can satisfy writing/signature requirements, but only where parties agreed to transact electronically and the act is attributable to signer.","S009, ORS 84.013, 84.019, 84.025.","Medium-high confidence; official current Chapter 84 chain held. \nOregonLaws\n+2"],["S_OR-P7-C025","Required electronic writing must be retainable at receipt; sender cannot inhibit printing/storage.","S009, ORS 84.022.","Medium-high confidence. \nOregonLaws"],["S_OR-P7-C026","Personal/family/household electronic disclosures require affirmative informed consent, access demonstration, and technology-change procedures.","S009, ORS 84.070(1)–(3).","Medium-high confidence; individual business-purpose application differs. \nOregonLaws\n+1"],["S_OR-P7-C027","Electronically retained records must accurately reflect final information and remain accessible.","S009, ORS 84.034.","Medium-high confidence. \nOregonLaws"],["S_OR-P7-C028","UETA/E-SIGN do not authorize electronic primary-residence default, foreclosure, eviction, acceleration, repossession, or right-to-cure notices.","S009, ORS 84.070(10)(b); S011, 15 U.S.C. §7003(b)(2)(B).","High confidence in checked texts. \nOregonLaws\n+1"],["S_OR-P7-C029","Consumer cancellation is effective on mailing or immediately if emailed/faxed; ten-day notice requirement is distinct.","S003, ORS 697.652(1)(j).","High confidence; no calendar calculation. \nOregonLaws"],["S_OR-P7-C030","Early cancellation requires refund of all fees paid; later cancellation requires return of currently held unexpended consumer funds.","S003, ORS 697.652(1)(j)(C).","High confidence; prior P2 balance correction preserved. \nOregonLaws"],["S_OR-P7-C031","Chapter 697 waivers or contract provisions purporting to waive or violate ORS 697.602–697.842 are void and unenforceable.","S003, ORS 697.652(4).","High confidence; not every unrelated contract term is void. \nOregonLaws"],["S_OR-P7-C032","Blank instruments, releases of provider obligations, confessions of judgment, specified powers of attorney, and later liquidated-damages charges/reserves are prohibited.","S005, ORS 697.662(6)–(8).","High confidence in readable text. \nOregonLaws"],["S_OR-P7-C033","A newly added debt cannot be serviced while absent from the required debt list; written amendment/replacement is the best-supported compliance inference.","S003 §697.652(1)(b); S001 OAR 441-910-0094.","Inference; exact amendment and re-signature procedure unresolved. \nOregonLaws\n+1"],["S_OR-P7-C034","No general Chapter 697 amendment, assignment, or successor-provider process was located in the complete current Division 910 display and reviewed statutory provisions.","S001; S003–S005.","Bounded negative finding, not proof no other law applies."],["S_OR-P7-C035","Oregon automatic-renewal law may conditionally apply to a personal/family/household paid subscription or continuous-service DMS arrangement.","S012, ORS 646A.293–.295.","Materially fact-dependent; official current chain and DMS-specific application held. \nOregonLaws\n+1"],["S_OR-P7-C036","Applicant submission of sample agreement/disclosures/budget is required but does not itself constitute universal contract approval.","S001 OAR 441-910-0010(2); S002.","High confidence as procedure; no actual submission reviewed. \nOregon Secretary of State\n+1"],["S_OR-P7-C037","No complete public current DFR model DMS agreement or disclosure form was recovered from checked routes.","S014–S015.","Not proof none exists inside NMLS or elsewhere. \nOregon Division of Financial Regulation"],["S_OR-P7-C038","Persels confirms the regulatory framework and narrow attorney exemption, but does not approve contract language or decide e-sign issues.","S016.","High confidence as to holding; opinion accessed through Justia. \nJustia Law"],["S_OR-P7-C039","March final order treated post-signing credit analysis as insufficient to satisfy preagreement budget requirement for four consumers.","S017, printed p.13 / PDF index 12.","Formal agency order; appellate status unchecked. \nOregon Division of Financial Regulation\n+1"],["S_OR-P7-C040","Trimarche consent order identified missing mandatory agreement and disclosure terms, but is not a universal model approval.","S018, printed pp.4–5 / indices 3–4.","Consent order; fact-specific. \nOregon Division of Financial Regulation\n+1"],["S_OR-P7-C041","No explicit Oregon Chapter 697 state service-hold period after signing was located solely because the early cancellation period remains open.","S001 complete Division 910; S003.","Bounded negative finding; federal and sector overlays remain open."],["S_OR-P7-C042","No actual SettleADebt agreement, disclosure, e-sign consent, budget, amendment, cancellation, provider termination, or model facts were reviewed.","No private documents supplied or sought.","Provider-specific compliance wholly unresolved."]]},{"headers":["PASS-07 component","Status","Claims","Exact remaining evidence / next action"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["PASS-07 component","Status","Claims","Exact remaining evidence / next action"],["Preagreement budget analysis","Answered in core","C001-C006","Apply actual consumer facts and provider methodology."],["General budget minimum contents","Answered","C004","Actual worksheet and completeness unknown."],["Credit-improvement budget","Answered textually; legal conflict held","C005","Resolve ORS 697.692(1)(f) versus OAR 0145/ORS 652 through authoritative interpretation or controlling decision."],["Feasibility/advantageousness","Answered in core","C001-C003","No numerical regulator standard located; actual underwriting remains unknown."],["Counseling requirement","Partial","C006","Written options discussion established; no universal live-session duration or script located."],["Written agreement prerequisite","Answered","C007","Actual execution and provider identity unknown."],["Universal agreement clauses","Answered","C008-C012","Apply model and actual contract."],["Custodial clauses","Answered for agreement only","C009","Funds architecture remains PASS-03."],["Noncustodial disclosures","Answered textually","C018","Actual custody/control/administrator facts remain open."],["Credit-specific disclosures","Answered","C017","Actual representations and federal credit-repair law remain open."],["Loan-modification agreement conditions","Answered narrowly","C022","Mortgage, foreclosure, licensing, servicing, and federal overlays remain separate."],["Education/nonprofit branch","Partial","C023","Entity and activity facts needed to establish exemption."],["Attorney model","Answered at framework level","C038","Actual attorney/client/incidental-practice facts remain open."],["Disclosure-before-fee timing","Answered as prerequisite","C015","Fee earning and collection timing remain preserved from P1/P2."],["Signed disclosure before contract","Answered under current rule","C019-C020","Actual signature process unknown."],["Both-party signature/date","Answered","C012, C024","Attribution and authority for actual signers unknown."],["Legible copy delivery","Answered","C012","No exact deadline or actual delivery evidence."],["Paper form/font/language","Partial","C025 and bounded source search","No universal Chapter 697 font or translation rule located; other sector/access laws remain open."],["Electronic signature validity","Answered conditionally","C024-C028","Actual consent, access demonstration, authentication, delivery, and transaction purpose required."],["Personal-purpose electronic consent","Answered conditionally","C026","Individual business-purpose debts may fall outside the special consumer definition."],["Electronic retention","Answered in core","C025-C027","Actual system and record export unavailable."],["Primary-residence notice exception","Answered narrowly","C028","Mortgage-specific notice law remains separate."],["Early cancellation clause","Answered","C029-C030","Actual agreement date/business-day calendar unknown."],["Later cancellation notice/effectiveness","Answered","C029-C030","No invented date calculation; actual sent notice unknown."],["Later current-balance return","Preserved, not rerun","C030","Actual ledger, pending payments, and lawful fee status remain unknown."],["Provider termination","Answered in core","C011","Closeout, creditor notice, funds disposition, and servicing transfer remain open."],["Waiver","Answered narrowly","C031","Arbitration, forum, class waiver, and general contract enforceability remain later litigation scope."],["Prohibited clauses","Answered in core","C032","Actual contract absent."],["Adding debts","Partial / compliance inference","C033","Obtain actual amendment and authoritative treatment of new cancellation/budget rights."],["Service amendments","Unresolved procedurally","C033-C034","No general amendment form, re-signature rule, or restart rule found."],["Fee changes","Partial","C008, C015-C016","Must keep documents accurate; exact amendment mechanics and fee legality remain held."],["Assignment/successor provider","Unresolved","C034","Contract, registration, funds, bond, notice, and successor-liability analysis required."],["Automatic renewal","Conditional overlay only","C035","Characterize actual arrangement and authenticate current official Chapter 646A chain."],["Material-change notice","Conditional overlay only","C035","Applies only if ORS 646A.293/.295 governs actual agreement."],["Public model agreement","Not recovered","C037","Retrieve public NMLS rendering or agency form if later accessible."],["NMLS checklist","Not read","C037","Dynamic public route supplied no extractable content; no absence inference."],["DFR sample-document review","Answered as application procedure","C036","No actual submission, approval letter, condition, or provider record reviewed."],["Controlling agreement case","Partial","C038","Persels is framework/exemption case, not clause sufficiency case."],["Agency contract interpretations","Partial","C039-C040","Orders are fact-specific; appellate and broader precedential status limited."],["E-signature case law","Unresolved after targeted search","—","Dedicated Oregon litigation search required if operationally material."],["State service-hold period","No Chapter 697 hold found","C041","Federal CROA and other laws remain preserved and may impose one."],["Actual provider agreement and disclosures","Unresolved / not reviewed","C042","Exact legal entity, contract version, budget, disclosures, e-sign records, account model, and amendments required."],["Full fee/CPI/savings timing","Excluded and preserved","—","P1/P2 holds remain."],["Funds/trust/interest/ownership/717","Excluded and preserved","—","P3 holds remain."],["Bond/recovery/form/priority","Excluded and preserved","—","P5 and unaccepted P6 remain separate."],["UTPA/tort/arbitration/limitations/litigation","Excluded except necessary boundary","—","Later pass required."],["Bankruptcy, collection, secured debt, sector, local, tribal, country","Excluded","—","Separate passes remain required."],["Seven parent-state dimensions / A066","Open","—","No acceptance implied."]]}],"claims":[{"claim_id":"S_OR-P7-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C001","Precise assertion":"A covered provider may not enter a DMS agreement until it completes the applicable budget analysis and determines services are feasible and advantageous.","Sources and pinpoints":"S001, OAR 441-910-0145(1); S003, ORS 697.652(2).","Conditions, currentness, and confidence":"High confidence from current official rule plus secondary statute. \nOregon Secretary of State\n+1"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C002","Precise assertion":"“Advantageous” requires a more favorable position considering suitability and ability to pay.","Sources and pinpoints":"S001, OAR 441-910-0000(2).","Conditions, currentness, and confidence":"High confidence. \nOregon Secretary of State"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C003","Precise assertion":"Provider must form a good-faith belief after evaluation that consumer can or will comply with agreement.","Sources and pinpoints":"S005, ORS 697.662(4)–(5).","Conditions, currentness, and confidence":"High confidence in readable text; current official chapter held. \nOregonLaws"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C004","Precise assertion":"General budget minimum contents include the financial, household, creditor, judgment, surplus, and anticipated-change items identified in OAR 441-910-0145(1).","Sources and pinpoints":"S001, OAR 441-910-0145(1)(a)–(L).","Conditions, currentness, and confidence":"High confidence. \nOregon Secretary of State"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C005","Precise assertion":"Credit-improvement agreements have the reduced budget-content list in OAR 441-910-0145(2).","Sources and pinpoints":"S001, OAR 441-910-0145(2).","Conditions, currentness, and confidence":"High confidence; credit-only fee conflict remains unresolved. \nOregon Secretary of State"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C006","Precise assertion":"Provider must give the consumer the written budget package with information-dependency, advantageous-options, budget-copy, and creditor-rejection statements.","Sources and pinpoints":"S001, OAR 441-910-0145(3).","Conditions, currentness, and confidence":"High confidence. \nOregon Secretary of State"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C007","Precise assertion":"Provider may not perform DMS without a written agreement.","Sources and pinpoints":"S003, ORS 697.652(1); S002 guidance.","Conditions, currentness, and confidence":"High confidence. \nOregonLaws\n+1"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C008","Precise assertion":"Agreement must identify parties, every serviced debt and creditor, services, fees, calculation, schedule, access rights, completion estimate, cancellation, and creditor notice, with custody-conditional clauses where stated.","Sources and pinpoints":"S003, ORS 697.652(1)(a)–(k).","Conditions, currentness, and confidence":"High confidence as to readable wording. \nOregonLaws"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C009","Precise assertion":"Held-funds agreement must state precise reasonable payment; quarterly statement clause applies to funds held.","Sources and pinpoints":"S003, ORS 697.652(1)(c), (i).","Conditions, currentness, and confidence":"High confidence. \nOregonLaws"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C010","Precise assertion":"Consumer must be able to inspect the account or receive a full statement within two business days electronically or seven business days by mail.","Sources and pinpoints":"S003, ORS 697.652(1)(f).","Conditions, currentness, and confidence":"High confidence; DFR’s “seven days” summary is imprecise. \nOregonLaws\n+1"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C011","Precise assertion":"Provider may terminate without consumer authorization only after more than 60 days of missed scheduled periodic payments.","Sources and pinpoints":"S003 §697.652(1)(g); S005 §697.662(10).","Conditions, currentness, and confidence":"High confidence; no universal forfeiture follows. \nOregonLaws\n+1"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C012","Precise assertion":"Separate budget analysis must be given before both parties sign, and legible signed-and-dated copy must be provided as soon as practicable after signing.","Sources and pinpoints":"S003 §697.652(2)–(3).","Conditions, currentness, and confidence":"High confidence; no exact delivery-day count. \nOregonLaws"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C013","Precise assertion":"No separate contract may be used for each debt; one contract may specify different services by debt.","Sources and pinpoints":"S001, OAR 441-910-0094.","Conditions, currentness, and confidence":"High confidence. \nOregon Secretary of State"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C014","Precise assertion":"Jointly held debt served for co-debtors ordinarily receives one fee set; separate individually held spouse/partner debts may support separate contracts if provider proves basis.","Sources and pinpoints":"S001, OAR 441-910-0094(2)–(3).","Conditions, currentness, and confidence":"High confidence; fee amounts not rerun. \nOregon Secretary of State"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C015","Precise assertion":"Required disclosures must precede charging or receiving an ORS 697.692 fee.","Sources and pinpoints":"S004, ORS 697.707(1).","Conditions, currentness, and confidence":"High confidence; not complete fee authorization. \nOregonLaws"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C016","Precise assertion":"Universal disclosures include maximum charge, consumer responsibility, tax warning, detailed services/prices, and bond/surety information.","Sources and pinpoints":"S004, ORS 697.707(2).","Conditions, currentness, and confidence":"High confidence; DFR credit-only tax carveout not in statute. \nOregonLaws\n+1"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C017","Precise assertion":"Credit-improvement and specified advice services require additional CRA review-right and cost/no-cost disclosures.","Sources and pinpoints":"S004, ORS 697.707(3).","Conditions, currentness, and confidence":"High confidence. \nOregonLaws"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C018","Precise assertion":"Every provider that does not hold funds directly or indirectly must include all six noncustodial statements in ORS 697.707(4).","Sources and pinpoints":"S004, ORS 697.707(4)(a)–(f).","Conditions, currentness, and confidence":"High confidence; actual custody is factual. \nOregonLaws"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C019","Precise assertion":"Disclosure document must contain consumer signature space under read-and-understand statement.","Sources and pinpoints":"S004, ORS 697.707(5).","Conditions, currentness, and confidence":"High confidence. \nOregonLaws"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C020","Precise assertion":"Current rule requires retention of disclosure documents signed before contract entry.","Sources and pinpoints":"S001, OAR 441-910-0200(1)(a).","Conditions, currentness, and confidence":"High confidence as rule-based timing; statute itself speaks directly to pre-fee timing. \nOregon Secretary of State"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C021","Precise assertion":"Provider must retain agreements, budgets, authorizations, cancellation notices, and correspondence for the rule’s retention period.","Sources and pinpoints":"S001, OAR 441-910-0200; S005, ORS 697.672.","Conditions, currentness, and confidence":"High confidence; other retention laws unreviewed. \nOregon Secretary of State\n+1"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C022","Precise assertion":"Loan-modification service under DMS registration requires existing default/imminent default/objective basis, no new-loan fees, and long-term change to existing obligation.","Sources and pinpoints":"S001, OAR 441-910-0135.","Conditions, currentness, and confidence":"High confidence; mortgage overlays remain excluded. \nOregon Secretary of State"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C023","Precise assertion":"Narrow education/nonprofit exemptions do not cover other DMS activity or brokering.","Sources and pinpoints":"S001, OAR 441-910-0005(3)–(5); S005, ORS 697.612.","Conditions, currentness, and confidence":"High confidence for rule; entity facts unknown. \nOregon Secretary of State"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C024","Precise assertion":"Electronic record/signature can satisfy writing/signature requirements, but only where parties agreed to transact electronically and the act is attributable to signer.","Sources and pinpoints":"S009, ORS 84.013, 84.019, 84.025.","Conditions, currentness, and confidence":"Medium-high confidence; official current Chapter 84 chain held. \nOregonLaws\n+2"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C025","Precise assertion":"Required electronic writing must be retainable at receipt; sender cannot inhibit printing/storage.","Sources and pinpoints":"S009, ORS 84.022.","Conditions, currentness, and confidence":"Medium-high confidence. \nOregonLaws"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C026","Precise assertion":"Personal/family/household electronic disclosures require affirmative informed consent, access demonstration, and technology-change procedures.","Sources and pinpoints":"S009, ORS 84.070(1)–(3).","Conditions, currentness, and confidence":"Medium-high confidence; individual business-purpose application differs. \nOregonLaws\n+1"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C027","Precise assertion":"Electronically retained records must accurately reflect final information and remain accessible.","Sources and pinpoints":"S009, ORS 84.034.","Conditions, currentness, and confidence":"Medium-high confidence. \nOregonLaws"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C028","Precise assertion":"UETA/E-SIGN do not authorize electronic primary-residence default, foreclosure, eviction, acceleration, repossession, or right-to-cure notices.","Sources and pinpoints":"S009, ORS 84.070(10)(b); S011, 15 U.S.C. §7003(b)(2)(B).","Conditions, currentness, and confidence":"High confidence in checked texts. \nOregonLaws\n+1"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C029","Precise assertion":"Consumer cancellation is effective on mailing or immediately if emailed/faxed; ten-day notice requirement is distinct.","Sources and pinpoints":"S003, ORS 697.652(1)(j).","Conditions, currentness, and confidence":"High confidence; no calendar calculation. \nOregonLaws"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C030","Precise assertion":"Early cancellation requires refund of all fees paid; later cancellation requires return of currently held unexpended consumer funds.","Sources and pinpoints":"S003, ORS 697.652(1)(j)(C).","Conditions, currentness, and confidence":"High confidence; prior P2 balance correction preserved. \nOregonLaws"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C031","Precise assertion":"Chapter 697 waivers or contract provisions purporting to waive or violate ORS 697.602–697.842 are void and unenforceable.","Sources and pinpoints":"S003, ORS 697.652(4).","Conditions, currentness, and confidence":"High confidence; not every unrelated contract term is void. \nOregonLaws"},"coordinator_verification_status":"correction_required_waiver_subject_and_unsupported_severability","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00","coordinator_finding_id":"S_OR-P7-Q001","coordinator_correction_status":"queued_UNSENT_generation_paused"},{"claim_id":"S_OR-P7-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C032","Precise assertion":"Blank instruments, releases of provider obligations, confessions of judgment, specified powers of attorney, and later liquidated-damages charges/reserves are prohibited.","Sources and pinpoints":"S005, ORS 697.662(6)–(8).","Conditions, currentness, and confidence":"High confidence in readable text. \nOregonLaws"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C033","Precise assertion":"A newly added debt cannot be serviced while absent from the required debt list; written amendment/replacement is the best-supported compliance inference.","Sources and pinpoints":"S003 §697.652(1)(b); S001 OAR 441-910-0094.","Conditions, currentness, and confidence":"Inference; exact amendment and re-signature procedure unresolved. \nOregonLaws\n+1"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C034","Precise assertion":"No general Chapter 697 amendment, assignment, or successor-provider process was located in the complete current Division 910 display and reviewed statutory provisions.","Sources and pinpoints":"S001; S003–S005.","Conditions, currentness, and confidence":"Bounded negative finding, not proof no other law applies."},"coordinator_verification_status":"bounded_negative_not_exhaustive_absence_proof","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C035","Precise assertion":"Oregon automatic-renewal law may conditionally apply to a personal/family/household paid subscription or continuous-service DMS arrangement.","Sources and pinpoints":"S012, ORS 646A.293–.295.","Conditions, currentness, and confidence":"Materially fact-dependent; official current chain and DMS-specific application held. \nOregonLaws\n+1"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C036","Precise assertion":"Applicant submission of sample agreement/disclosures/budget is required but does not itself constitute universal contract approval.","Sources and pinpoints":"S001 OAR 441-910-0010(2); S002.","Conditions, currentness, and confidence":"High confidence as procedure; no actual submission reviewed. \nOregon Secretary of State\n+1"},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C037","Precise assertion":"No complete public current DFR model DMS agreement or disclosure form was recovered from checked routes.","Sources and pinpoints":"S014–S015.","Conditions, currentness, and confidence":"Not proof none exists inside NMLS or elsewhere. \nOregon Division of Financial Regulation"},"coordinator_verification_status":"bounded_negative_not_exhaustive_absence_proof","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C038","Precise assertion":"Persels confirms the regulatory framework and narrow attorney exemption, but does not approve contract language or decide e-sign issues.","Sources and pinpoints":"S016.","Conditions, currentness, and confidence":"High confidence as to holding; opinion accessed through Justia. \nJustia Law"},"coordinator_verification_status":"researcher_case_or_order_provenance_not_freshly_reopened","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C039","Precise assertion":"March final order treated post-signing credit analysis as insufficient to satisfy preagreement budget requirement for four consumers.","Sources and pinpoints":"S017, printed p.13 / PDF index 12.","Conditions, currentness, and confidence":"Formal agency order; appellate status unchecked. \nOregon Division of Financial Regulation\n+1"},"coordinator_verification_status":"researcher_case_or_order_provenance_not_freshly_reopened","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C040","Precise assertion":"Trimarche consent order identified missing mandatory agreement and disclosure terms, but is not a universal model approval.","Sources and pinpoints":"S018, printed pp.4–5 / indices 3–4.","Conditions, currentness, and confidence":"Consent order; fact-specific. \nOregon Division of Financial Regulation\n+1"},"coordinator_verification_status":"researcher_case_or_order_provenance_not_freshly_reopened","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C041","Precise assertion":"No explicit Oregon Chapter 697 state service-hold period after signing was located solely because the early cancellation period remains open.","Sources and pinpoints":"S001 complete Division 910; S003.","Conditions, currentness, and confidence":"Bounded negative finding; federal and sector overlays remain open."},"coordinator_verification_status":"bounded_negative_not_exhaustive_absence_proof","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"claim_id":"S_OR-P7-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_OR-P7-C042","Precise assertion":"No actual SettleADebt agreement, disclosure, e-sign consent, budget, amendment, cancellation, provider termination, or model facts were reviewed.","Sources and pinpoints":"No private documents supplied or sought.","Conditions, currentness, and confidence":"Provider-specific compliance wholly unresolved."},"coordinator_verification_status":"scoped_comparison_currentness_and_application_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"}],"sources":[{"source_id":"S_OR-P7-S001","urls":["https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179"],"researcher_record":{"Source ID":"S_OR-P7-S001","Title / issuer":"OAR Chapter 441, Division 910 — Oregon Secretary of State","Direct literal URL":"https://secure.sos.state.or.us/oard/displayDivisionRules.action?selectedDivision=2179","Exact material read":"OAR 441-910-0000(2); -0005; -0010(2)(b)–(d); -0094; -0135; -0145(1)–(3); -0150; -0200(1)–(4). Complete displayed division also searched for amendment, assignment, automatic renewal, language, font, signature, waiver, and release terms.","Status, access, and limitations":"Fresh official current-rule display read October 25, 2026 Pacific. Operative current rule text. Displayed history read but no complete rulemaking-file audit or historical redline reconstruction. \nOregon Secretary of State"},"coordinator_verification_status":"fresh_selected_official_text_scope_currency_holds","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"source_id":"S_OR-P7-S002","urls":["https://dfr.oregon.gov/business/licensing/financial/pages/debt-management.aspx"],"researcher_record":{"Source ID":"S_OR-P7-S002","Title / issuer":"Debt management registration and contract guidance — Oregon DFR","Direct literal URL":"https://dfr.oregon.gov/business/licensing/financial/pages/debt-management.aspx","Exact material read":"Application sample-document requirements; written-agreement summary; cancellation summary; universal, credit, and noncustodial disclosure summaries.","Status, access, and limitations":"Fresh current official agency guidance read. Procedure and guidance, not an enactment, formal opinion, or model-contract approval. Its seven-day mailing and credit-only tax-warning statements differ from or narrow the readable statutory wording. \nOregon Division of Financial Regulation"},"coordinator_verification_status":"fresh_selected_official_text_scope_currency_holds","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"source_id":"S_OR-P7-S003","urls":["https://oregon.public.law/statutes/ors_697.652"],"researcher_record":{"Source ID":"S_OR-P7-S003","Title / issuer":"ORS 697.652 — written agreement and budget analysis","Direct literal URL":"https://oregon.public.law/statutes/ors_697.652","Exact material read":"Subsections (1)(a)–(k), (2), (3), and (4)(a)–(e).","Status, access, and limitations":"Fresh secondary read. Page says underlying official source last accessed May 10, 2025 and describes a 2023-edition-plus-2024-change compilation. Not relabeled official current law. \nOregonLaws"},"coordinator_verification_status":"fresh_selected_secondary_text_official_current_chain_held","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"source_id":"S_OR-P7-S004","urls":["https://oregon.public.law/statutes/ors_697.707"],"researcher_record":{"Source ID":"S_OR-P7-S004","Title / issuer":"ORS 697.707 — required disclosures","Direct literal URL":"https://oregon.public.law/statutes/ors_697.707","Exact material read":"Subsections (1)–(5), including universal, credit-related, noncustodial, and signature disclosures.","Status, access, and limitations":"Fresh secondary read with same currentness limitation as S003. \nOregonLaws"},"coordinator_verification_status":"fresh_selected_secondary_text_official_current_chain_held","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"source_id":"S_OR-P7-S005","urls":["https://oregon.public.law/statutes/ors_697.602","https://oregon.public.law/statutes/ors_697.612","https://oregon.public.law/statutes/ors_697.662","https://oregon.public.law/statutes/ors_697.672","https://oregon.public.law/statutes/ors_697.682","https://oregon.public.law/statutes/ors_697.692","https://oregon.public.law/statutes/ors_697.718"],"researcher_record":{"Source ID":"S_OR-P7-S005","Title / issuer":"Related Chapter 697 sections — current-readable reproductions","Direct literal URL":"https://oregon.public.law/statutes/ors_697.602\nhttps://oregon.public.law/statutes/ors_697.612\nhttps://oregon.public.law/statutes/ors_697.662\nhttps://oregon.public.law/statutes/ors_697.672\nhttps://oregon.public.law/statutes/ors_697.682\nhttps://oregon.public.law/statutes/ors_697.692\nhttps://oregon.public.law/statutes/ors_697.718","Exact material read":"Definitions and exemptions; prohibited practices; records; held-funds interest/statements; credit-only fee wording; ascertainable-loss boundary.","Status, access, and limitations":"Fresh secondary reads. Treated as one Chapter 697 source family, not seven independent authorities. Official current chapter chain remains held. \nOregonLaws\n+3"},"coordinator_verification_status":"fresh_selected_secondary_text_official_current_chain_held","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"source_id":"S_OR-P7-S006","urls":["https://olis.oregonlegislature.gov/liz/2009R1/Downloads/MeasureDocument/HB2191/Enrolled"],"researcher_record":{"Source ID":"S_OR-P7-S006","Title / issuer":"Enrolled HB 2191-B, Oregon Laws 2009, chapter 604 — Oregon Legislative Assembly","Direct literal URL":"https://olis.oregonlegislature.gov/liz/2009R1/Downloads/MeasureDocument/HB2191/Enrolled","Exact material read":"§5 printed pp.5–8 / zero-based PDF indices 4–7; especially operative agreement clauses on printed pp.6–8 / indices 5–7. §11 printed pp.13–14 / indices 12–13. Selected page images inspected.","Status, access, and limitations":"Fresh targeted official historical enactment read. Earlier direct-route failure and later successful overview-linked route remain preserved. Not all 28 pages and not a current amendment chain. Deleted bracketed text was not used as operative evidence. \nOregon Legislative Information System\n+5"},"coordinator_verification_status":"fresh_historical_primary_operative_bodies_current_chain_held","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"source_id":"S_OR-P7-S007","urls":["https://olis.oregonlegislature.gov/liz/2009R1/Measures/Overview/HB2191"],"researcher_record":{"Source ID":"S_OR-P7-S007","Title / issuer":"HB 2191 official overview — Oregon Legislative Assembly","Direct literal URL":"https://olis.oregonlegislature.gov/liz/2009R1/Measures/Overview/HB2191","Exact material read":"Official measure identity and access route to enrolled text.","Status, access, and limitations":"Fresh official access route. Discovery/provenance route, not a second substantive enactment."},"coordinator_verification_status":"official_route_only_not_independent_substantive_authority","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"source_id":"S_OR-P7-S008","urls":["https://www.oregonlegislature.gov/bills_laws/ors/ors697.html"],"researcher_record":{"Source ID":"S_OR-P7-S008","Title / issuer":"Official ORS Chapter 697 locator — Oregon Legislature","Direct literal URL":"https://www.oregonlegislature.gov/bills_laws/ors/ors697.html","Exact material read":"Official chapter locator/search result only.","Status, access, and limitations":"Failed direct-content route. Returned 403 historically and was not repeatedly hammered. Not evidence that no amendment or exception exists."},"coordinator_verification_status":"not_freshly_reopened_prior_limits_retained","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"source_id":"S_OR-P7-S009","urls":["https://oregon.public.law/statutes/ors_84.004","https://oregon.public.law/statutes/ors_84.007","https://oregon.public.law/statutes/ors_84.013","https://oregon.public.law/statutes/ors_84.019","https://oregon.public.law/statutes/ors_84.022","https://oregon.public.law/statutes/ors_84.025","https://oregon.public.law/statutes/ors_84.034","https://oregon.public.law/statutes/ors_84.043","https://oregon.public.law/statutes/ors_84.061","https://oregon.public.law/statutes/ors_84.070"],"researcher_record":{"Source ID":"S_OR-P7-S009","Title / issuer":"Oregon UETA current-readable sections","Direct literal URL":"https://oregon.public.law/statutes/ors_84.004\nhttps://oregon.public.law/statutes/ors_84.007\nhttps://oregon.public.law/statutes/ors_84.013\nhttps://oregon.public.law/statutes/ors_84.019\nhttps://oregon.public.law/statutes/ors_84.022\nhttps://oregon.public.law/statutes/ors_84.025\nhttps://oregon.public.law/statutes/ors_84.034\nhttps://oregon.public.law/statutes/ors_84.043\nhttps://oregon.public.law/statutes/ors_84.061\nhttps://oregon.public.law/statutes/ors_84.070","Exact material read":"Definitions; agreement to transact electronically; recognition; retainable delivery; attribution; retention; send/receipt rules; federal supersession; consumer consent and exceptions.","Status, access, and limitations":"Fresh secondary reads. Underlying official source shown as last accessed May 10, 2025; no complete current official Chapter 84 authentication. \nOregonLaws\n+8"},"coordinator_verification_status":"fresh_selected_secondary_text_official_current_chain_held","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"source_id":"S_OR-P7-S010","urls":["https://www.oregonlegislature.gov/bills_laws/ors/ors084.html","https://www.oregonlegislature.gov/bills_laws/lawsstatutes/2001orLaw0535ses.html"],"researcher_record":{"Source ID":"S_OR-P7-S010","Title / issuer":"Official ORS Chapter 84 locator / historical UETA act","Direct literal URL":"https://www.oregonlegislature.gov/bills_laws/ors/ors084.html\nhttps://www.oregonlegislature.gov/bills_laws/lawsstatutes/2001orLaw0535ses.html","Exact material read":"Official locators only.","Status, access, and limitations":"Direct routes inaccessible/search-only. No attempt to reconstruct the complete present Chapter 84 chain from search snippets."},"coordinator_verification_status":"not_freshly_reopened_prior_limits_retained","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"source_id":"S_OR-P7-S011","urls":["https://uscode.house.gov/us/usc/119-118/t15/s7001/","https://uscode.house.gov/us/usc/119-118/t15/s7002/","https://uscode.house.gov/us/usc/119-118/t15/s7003/","https://uscode.house.gov/us/usc/119-118/t15/s7006/"],"researcher_record":{"Source ID":"S_OR-P7-S011","Title / issuer":"Federal E-SIGN Act — Office of Law Revision Counsel","Direct literal URL":"https://uscode.house.gov/us/usc/119-118/t15/s7001/\nhttps://uscode.house.gov/us/usc/119-118/t15/s7002/\nhttps://uscode.house.gov/us/usc/119-118/t15/s7003/\nhttps://uscode.house.gov/us/usc/119-118/t15/s7006/","Exact material read":"15 U.S.C. §§7001–7003 and 7006: validity, consumer consent, retention, UETA preemption exception, special notices, and definitions.","Status, access, and limitations":"Fresh official OLRC display read. Display states laws in effect through Public Law 119-120, October 7, 2026, despite 119-118 in URL path. Used only for e-record boundary, not federal debt-relief timing. \nU.S. Code\n+3"},"coordinator_verification_status":"OLRC_access_failed_selected_GPO_print_comparison_currency_held","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"source_id":"S_OR-P7-S012","urls":["https://oregon.public.law/statutes/ors_646a.293","https://oregon.public.law/statutes/ors_646a.295"],"researcher_record":{"Source ID":"S_OR-P7-S012","Title / issuer":"Oregon automatic-renewal provisions — current-readable reproductions","Direct literal URL":"https://oregon.public.law/statutes/ors_646a.293\nhttps://oregon.public.law/statutes/ors_646a.295","Exact material read":"Definitions of automatic renewal, continuous service, consumer, offer terms; consent, acknowledgment, cancellation, material-change notice, and exemptions.","Status, access, and limitations":"Fresh secondary reads. Conditional overlay only; no DMS-specific classification or complete official current Chapter 646A chain. \nOregonLaws\n+2"},"coordinator_verification_status":"fresh_selected_secondary_text_official_current_chain_held","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"source_id":"S_OR-P7-S013","urls":["https://www.oregonlegislature.gov/bills_laws/ors/ors646a.html"],"researcher_record":{"Source ID":"S_OR-P7-S013","Title / issuer":"Official ORS Chapter 646A locator — Oregon Legislature","Direct literal URL":"https://www.oregonlegislature.gov/bills_laws/ors/ors646a.html","Exact material read":"Official locator/search result only.","Status, access, and limitations":"Direct route inaccessible/search-only. No current official chapter certification."},"coordinator_verification_status":"not_freshly_reopened_prior_limits_retained","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"source_id":"S_OR-P7-S014","urls":["https://dfr.oregon.gov/business/licensing/financial/pages/applications-forms-reports.aspx"],"researcher_record":{"Source ID":"S_OR-P7-S014","Title / issuer":"Applications, forms, and reports — Oregon DFR","Direct literal URL":"https://dfr.oregon.gov/business/licensing/financial/pages/applications-forms-reports.aspx","Exact material read":"Debt-management forms section.","Status, access, and limitations":"Fresh official page read. No public model DMSP agreement/disclosure listed in the checked section; not proof none exists elsewhere. \nOregon Division of Financial Regulation"},"coordinator_verification_status":"fresh_selected_official_text_scope_currency_holds","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"source_id":"S_OR-P7-S015","urls":["https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=OR"],"researcher_record":{"Source ID":"S_OR-P7-S015","Title / issuer":"Oregon NMLS state-resource/checklist landing","Direct literal URL":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=OR","Exact material read":"Dynamic checklist route linked by DFR.","Status, access, and limitations":"Accessed but no usable checklist text extracted. Not read as a substantive form and not evidence of absence."},"coordinator_verification_status":"not_freshly_reopened_prior_limits_retained","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"source_id":"S_OR-P7-S016","urls":["https://law.justia.com/cases/oregon/court-of-appeals/2017/a157430.html"],"researcher_record":{"Source ID":"S_OR-P7-S016","Title / issuer":"Persels & Associates, LLC v. DCBS, 286 Or. App. 315 (2017)","Direct literal URL":"https://law.justia.com/cases/oregon/court-of-appeals/2017/a157430.html","Exact material read":"Framework discussion and attorney-exemption holding; opinion lines describing budget, agreement, records, fees, and disclosures.","Status, access, and limitations":"Fresh secondary reproduction of controlling Oregon Court of Appeals opinion read. Official OJD text not recovered. \nJustia Law"},"coordinator_verification_status":"not_freshly_reopened_prior_limits_retained","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"source_id":"S_OR-P7-S017","urls":["https://dfr.oregon.gov/AdminOrders/MarchFinalOrder_SIGG.pdf"],"researcher_record":{"Source ID":"S_OR-P7-S017","Title / issuer":"Daniel March / Litigation Practice Group Final Order, DM-23-0062 — Oregon DFR","Direct literal URL":"https://dfr.oregon.gov/AdminOrders/MarchFinalOrder_SIGG.pdf","Exact material read":"Budget-analysis findings on printed p.13 / PDF index 12; final-order date on printed p.20 / index 19; review notice p.21 / index 20.","Status, access, and limitations":"Fresh official agency order; targeted text and page image read. Final order dated August 5, 2025; no appellate-status check. \nOregon Division of Financial Regulation\n+1"},"coordinator_verification_status":"not_freshly_reopened_prior_limits_retained","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"source_id":"S_OR-P7-S018","urls":["https://dfr.oregon.gov/AdminOrders/enf-orders-2021/Consent%20Order%20-%20Trimarche%20-%20SIGG.pdf"],"researcher_record":{"Source ID":"S_OR-P7-S018","Title / issuer":"Trimarche / GST Factoring Consent Order — Oregon DFR","Direct literal URL":"https://dfr.oregon.gov/AdminOrders/enf-orders-2021/Consent%20Order%20-%20Trimarche%20-%20SIGG.pdf","Exact material read":"Agreement/disclosure deficiencies printed pp.4–5 / PDF indices 3–4; order date printed p.7 / index 6.","Status, access, and limitations":"Fresh official consent order; targeted text and page image read. Consent disposition, not contested precedent or contract approval. \nOregon Division of Financial Regulation\n+1"},"coordinator_verification_status":"not_freshly_reopened_prior_limits_retained","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"source_id":"S_OR-P7-S019","urls":["https://dfr.oregon.gov/AdminOrders/Default%20Order%20Premier%20Legal%20Service_SIGG.pdf"],"researcher_record":{"Source ID":"S_OR-P7-S019","Title / issuer":"Premier Legal Service default order — Oregon DFR","Direct literal URL":"https://dfr.oregon.gov/AdminOrders/Default%20Order%20Premier%20Legal%20Service_SIGG.pdf","Exact material read":"Agreement and budget deficiencies printed p.10 / PDF index 9; final-order date printed p.15 / index 14.","Status, access, and limitations":"Fresh official default order; targeted text and page image read. Mixed mortgage/DMS matter; not contested precedent. \nOregon Division of Financial Regulation\n+1"},"coordinator_verification_status":"not_freshly_reopened_prior_limits_retained","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"}],"coverage":[{"topic":"Preagreement budget analysis","researcher_record":{"PASS-07 component":"Preagreement budget analysis","Status":"Answered in core","Claims":"C001-C006","Exact remaining evidence / next action":"Apply actual consumer facts and provider methodology."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"General budget minimum contents","researcher_record":{"PASS-07 component":"General budget minimum contents","Status":"Answered","Claims":"C004","Exact remaining evidence / next action":"Actual worksheet and completeness unknown."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Credit-improvement budget","researcher_record":{"PASS-07 component":"Credit-improvement budget","Status":"Answered textually; legal conflict held","Claims":"C005","Exact remaining evidence / next action":"Resolve ORS 697.692(1)(f) versus OAR 0145/ORS 652 through authoritative interpretation or controlling decision."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Feasibility/advantageousness","researcher_record":{"PASS-07 component":"Feasibility/advantageousness","Status":"Answered in core","Claims":"C001-C003","Exact remaining evidence / next action":"No numerical regulator standard located; actual underwriting remains unknown."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Counseling requirement","researcher_record":{"PASS-07 component":"Counseling requirement","Status":"Partial","Claims":"C006","Exact remaining evidence / next action":"Written options discussion established; no universal live-session duration or script located."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Written agreement prerequisite","researcher_record":{"PASS-07 component":"Written agreement prerequisite","Status":"Answered","Claims":"C007","Exact remaining evidence / next action":"Actual execution and provider identity unknown."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Universal agreement clauses","researcher_record":{"PASS-07 component":"Universal agreement clauses","Status":"Answered","Claims":"C008-C012","Exact remaining evidence / next action":"Apply model and actual contract."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Custodial clauses","researcher_record":{"PASS-07 component":"Custodial clauses","Status":"Answered for agreement only","Claims":"C009","Exact remaining evidence / next action":"Funds architecture remains PASS-03."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Noncustodial disclosures","researcher_record":{"PASS-07 component":"Noncustodial disclosures","Status":"Answered textually","Claims":"C018","Exact remaining evidence / next action":"Actual custody/control/administrator facts remain open."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Credit-specific disclosures","researcher_record":{"PASS-07 component":"Credit-specific disclosures","Status":"Answered","Claims":"C017","Exact remaining evidence / next action":"Actual representations and federal credit-repair law remain open."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Loan-modification agreement conditions","researcher_record":{"PASS-07 component":"Loan-modification agreement conditions","Status":"Answered narrowly","Claims":"C022","Exact remaining evidence / next action":"Mortgage, foreclosure, licensing, servicing, and federal overlays remain separate."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Education/nonprofit branch","researcher_record":{"PASS-07 component":"Education/nonprofit branch","Status":"Partial","Claims":"C023","Exact remaining evidence / next action":"Entity and activity facts needed to establish exemption."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Attorney model","researcher_record":{"PASS-07 component":"Attorney model","Status":"Answered at framework level","Claims":"C038","Exact remaining evidence / next action":"Actual attorney/client/incidental-practice facts remain open."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Disclosure-before-fee timing","researcher_record":{"PASS-07 component":"Disclosure-before-fee timing","Status":"Answered as prerequisite","Claims":"C015","Exact remaining evidence / next action":"Fee earning and collection timing remain preserved from P1/P2."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Signed disclosure before contract","researcher_record":{"PASS-07 component":"Signed disclosure before contract","Status":"Answered under current rule","Claims":"C019-C020","Exact remaining evidence / next action":"Actual signature process unknown."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Both-party signature/date","researcher_record":{"PASS-07 component":"Both-party signature/date","Status":"Answered","Claims":"C012, C024","Exact remaining evidence / next action":"Attribution and authority for actual signers unknown."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Legible copy delivery","researcher_record":{"PASS-07 component":"Legible copy delivery","Status":"Answered","Claims":"C012","Exact remaining evidence / next action":"No exact deadline or actual delivery evidence."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Paper form/font/language","researcher_record":{"PASS-07 component":"Paper form/font/language","Status":"Partial","Claims":"C025 and bounded source search","Exact remaining evidence / next action":"No universal Chapter 697 font or translation rule located; other sector/access laws remain open."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Electronic signature validity","researcher_record":{"PASS-07 component":"Electronic signature validity","Status":"Answered conditionally","Claims":"C024-C028","Exact remaining evidence / next action":"Actual consent, access demonstration, authentication, delivery, and transaction purpose required."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Personal-purpose electronic consent","researcher_record":{"PASS-07 component":"Personal-purpose electronic consent","Status":"Answered conditionally","Claims":"C026","Exact remaining evidence / next action":"Individual business-purpose debts may fall outside the special consumer definition."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Electronic retention","researcher_record":{"PASS-07 component":"Electronic retention","Status":"Answered in core","Claims":"C025-C027","Exact remaining evidence / next action":"Actual system and record export unavailable."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Primary-residence notice exception","researcher_record":{"PASS-07 component":"Primary-residence notice exception","Status":"Answered narrowly","Claims":"C028","Exact remaining evidence / next action":"Mortgage-specific notice law remains separate."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Early cancellation clause","researcher_record":{"PASS-07 component":"Early cancellation clause","Status":"Answered","Claims":"C029-C030","Exact remaining evidence / next action":"Actual agreement date/business-day calendar unknown."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Later cancellation notice/effectiveness","researcher_record":{"PASS-07 component":"Later cancellation notice/effectiveness","Status":"Answered","Claims":"C029-C030","Exact remaining evidence / next action":"No invented date calculation; actual sent notice unknown."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Later current-balance return","researcher_record":{"PASS-07 component":"Later current-balance return","Status":"Preserved, not rerun","Claims":"C030","Exact remaining evidence / next action":"Actual ledger, pending payments, and lawful fee status remain unknown."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Provider termination","researcher_record":{"PASS-07 component":"Provider termination","Status":"Answered in core","Claims":"C011","Exact remaining evidence / next action":"Closeout, creditor notice, funds disposition, and servicing transfer remain open."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Waiver","researcher_record":{"PASS-07 component":"Waiver","Status":"Answered narrowly","Claims":"C031","Exact remaining evidence / next action":"Arbitration, forum, class waiver, and general contract enforceability remain later litigation scope."},"coordinator_acceptance":"bounded_wording_correction_Q001_pending_UNSENT","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00","coordinator_finding_id":"S_OR-P7-Q001"},{"topic":"Prohibited clauses","researcher_record":{"PASS-07 component":"Prohibited clauses","Status":"Answered in core","Claims":"C032","Exact remaining evidence / next action":"Actual contract absent."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Adding debts","researcher_record":{"PASS-07 component":"Adding debts","Status":"Partial / compliance inference","Claims":"C033","Exact remaining evidence / next action":"Obtain actual amendment and authoritative treatment of new cancellation/budget rights."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Service amendments","researcher_record":{"PASS-07 component":"Service amendments","Status":"Unresolved procedurally","Claims":"C033-C034","Exact remaining evidence / next action":"No general amendment form, re-signature rule, or restart rule found."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Fee changes","researcher_record":{"PASS-07 component":"Fee changes","Status":"Partial","Claims":"C008, C015-C016","Exact remaining evidence / next action":"Must keep documents accurate; exact amendment mechanics and fee legality remain held."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Assignment/successor provider","researcher_record":{"PASS-07 component":"Assignment/successor provider","Status":"Unresolved","Claims":"C034","Exact remaining evidence / next action":"Contract, registration, funds, bond, notice, and successor-liability analysis required."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Automatic renewal","researcher_record":{"PASS-07 component":"Automatic renewal","Status":"Conditional overlay only","Claims":"C035","Exact remaining evidence / next action":"Characterize actual arrangement and authenticate current official Chapter 646A chain."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Material-change notice","researcher_record":{"PASS-07 component":"Material-change notice","Status":"Conditional overlay only","Claims":"C035","Exact remaining evidence / next action":"Applies only if ORS 646A.293/.295 governs actual agreement."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Public model agreement","researcher_record":{"PASS-07 component":"Public model agreement","Status":"Not recovered","Claims":"C037","Exact remaining evidence / next action":"Retrieve public NMLS rendering or agency form if later accessible."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"NMLS checklist","researcher_record":{"PASS-07 component":"NMLS checklist","Status":"Not read","Claims":"C037","Exact remaining evidence / next action":"Dynamic public route supplied no extractable content; no absence inference."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"DFR sample-document review","researcher_record":{"PASS-07 component":"DFR sample-document review","Status":"Answered as application procedure","Claims":"C036","Exact remaining evidence / next action":"No actual submission, approval letter, condition, or provider record reviewed."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Controlling agreement case","researcher_record":{"PASS-07 component":"Controlling agreement case","Status":"Partial","Claims":"C038","Exact remaining evidence / next action":"Persels is framework/exemption case, not clause sufficiency case."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Agency contract interpretations","researcher_record":{"PASS-07 component":"Agency contract interpretations","Status":"Partial","Claims":"C039-C040","Exact remaining evidence / next action":"Orders are fact-specific; appellate and broader precedential status limited."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"E-signature case law","researcher_record":{"PASS-07 component":"E-signature case law","Status":"Unresolved after targeted search","Claims":"—","Exact remaining evidence / next action":"Dedicated Oregon litigation search required if operationally material."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"State service-hold period","researcher_record":{"PASS-07 component":"State service-hold period","Status":"No Chapter 697 hold found","Claims":"C041","Exact remaining evidence / next action":"Federal CROA and other laws remain preserved and may impose one."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Actual provider agreement and disclosures","researcher_record":{"PASS-07 component":"Actual provider agreement and disclosures","Status":"Unresolved / not reviewed","Claims":"C042","Exact remaining evidence / next action":"Exact legal entity, contract version, budget, disclosures, e-sign records, account model, and amendments required."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Full fee/CPI/savings timing","researcher_record":{"PASS-07 component":"Full fee/CPI/savings timing","Status":"Excluded and preserved","Claims":"—","Exact remaining evidence / next action":"P1/P2 holds remain."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Funds/trust/interest/ownership/717","researcher_record":{"PASS-07 component":"Funds/trust/interest/ownership/717","Status":"Excluded and preserved","Claims":"—","Exact remaining evidence / next action":"P3 holds remain."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Bond/recovery/form/priority","researcher_record":{"PASS-07 component":"Bond/recovery/form/priority","Status":"Excluded and preserved","Claims":"—","Exact remaining evidence / next action":"P5 and unaccepted P6 remain separate."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"UTPA/tort/arbitration/limitations/litigation","researcher_record":{"PASS-07 component":"UTPA/tort/arbitration/limitations/litigation","Status":"Excluded except necessary boundary","Claims":"—","Exact remaining evidence / next action":"Later pass required."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Bankruptcy, collection, secured debt, sector, local, tribal, country","researcher_record":{"PASS-07 component":"Bankruptcy, collection, secured debt, sector, local, tribal, country","Status":"Excluded","Claims":"—","Exact remaining evidence / next action":"Separate passes remain required."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"},{"topic":"Seven parent-state dimensions / A066","researcher_record":{"PASS-07 component":"Seven parent-state dimensions / A066","Status":"Open","Claims":"—","Exact remaining evidence / next action":"No acceptance implied."},"coordinator_acceptance":"scoped_review_with_source_currentness_and_actual_application_holds_not_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:36:13.355926+00:00"}],"annotations":{},"corrections":[{"issue_id":"S_OR-P7-Q001","finding":"The report substitutes agreement provision/contract provisions and affirmatively says invalidity attaches to a term, supplying a term-only/severability assurance not established by the selected statutory subject. The source itself refers to a waiver or agreement or contract.","affected_claim_ids":["S_OR-P7-C031"],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://olis.oregonlegislature.gov/liz/2009R1/Downloads/MeasureDocument/HB2191/Enrolled"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."}],"resolved_corrections":[],"review_history":[{"id":"S_OR-P7-scoped-review-20261029","status":"reviewed_bounded_waiver_wording_Q001_pending_UNSENT","at":null}]}