{"meta":{"key":"s_pa--pass-01","task":"S_PA","title":"SPA Pennsylvania provider market access and consumer fees","parent_title":"Pennsylvania debt and debt relief law","edition":"pass-01","path":"/research/s_pa--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":12,"claims":45,"sources":30,"review_status":"revise","review_complete":true,"sha256":"3bdec48c92f6498bf0ada891270c94ae403a84c59084fc36202992b22350537a","headings":["A. Substantive findings","1. Classification follows the actual service, payment arrangement and debt purpose","2. Authorization, prohibition and conditional exemptions","3. Consumer fee structures and current amount limitations","4. When fees may actually be requested or received","5. Actual regulator procedure and public market-access verification","6–7. Worked applications and component coverage","B. Source table","B1. Substantive sources actually read","B2. Discovery and failed-access evidence","C. Claim table","D. Worked examples and coverage/gap table","D1. Plain-text worked examples","D2. Component coverage and exact remaining investigations","D3. Remaining Pennsylvania dossier categories","E. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_PA/pass-01","facets":{"geography":["us","us-pa"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","fees-outcomes","provider-licensing"]},"scope":"Provider market access and consumer fees only; fullstate remainsrequired","pending_corrections":0},"markdown":"# S_PA PASS-01 — Pennsylvania provider market access and consumer fees\n\n**Requested baseline:** October 22, 2026, Pacific.\n**Actual research access:** October 23, 2026, Pacific. The findings below are not backdated to the requested baseline.\n\n**Principal findings:** Pennsylvania has separate statutory licensing pathways for covered debt-management services and covered consumer debt-settlement services. The criminal prohibition on debt pooling remains relevant outside an applicable exception or statutory safe harbor. Debt-management fees have statutory base amounts and an annual adjustment provision, but **the exact currently adjusted amounts remain held because an authoritative applicable adjustment notice was not verified**. The Debt Settlement Services Act establishes two fee-calculation methods and performance/payment conditions; its reviewed provisions do **not** establish a numerical percentage or dollar ceiling. These findings do not establish that SettleADebt.com or any other named provider is authorized. **[C001, C003–C008, C020–C022, C030–C033]** [ENACTMENT+4](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2014/0/0118..HTM?utm_source=chatgpt.com)\n\nThis is the **provider-access and consumer-fees component only**. The remaining Pennsylvania investigations stay open, and no Pennsylvania or A066 acceptance is implied.\n\n**ID convention:** In the discussion, S001 means **S_PA-P1-S001**, and C001 means **S_PA-P1-C001**. The source and claim tables contain the full unique IDs.\n\n## A. Substantive findings\n\n### 1. Classification follows the actual service, payment arrangement and debt purpose\n\n#### Current statutory framework and historical reconciliation\n\nThe **Debt Management Services Act**, Act 117 of 2008 (“DMSA”), became effective February 6, 2009. The later **Debt Settlement Services Act**, Act 118 of 2014 (“DSSA”), expressly repealed the DMSA **insofar as it applies to debt-settlement services**. The DSSA’s principal operating provisions, including §§301 and 502, became effective January 1, 2015; specified preliminary, licensing and administrative provisions became effective November 1, 2014. Legal permission for the current settlement licensing pathway comes from these enactments. **[C001; S001 §§2103–2104; S002 §50; S009 p.1]**\n\nThe January 2009 agency letter’s statement that fee-based settlement could not proceed until enabling regulations were promulgated is **historical**, not a current prohibition to carry forward unchanged. In *United States Organizations for Bankruptcy Alternatives v. Department of Banking*, the Commonwealth Court’s February 25, 2010 order invalidated the regulation-dependent language in former DMSA §3(b) and §15(h)’s application to settlement services. It did not invalidate the entire DMSA. The Pennsylvania Supreme Court’s 2011 decision **quashed the interlocutory appeals and expressed no view on the merits**; it was not a merits affirmance. The 2014 enactment subsequently supplied the separate settlement regime. **[C002; S011 slip pp.6–8 and order; S012 pp.8–11, p.10 n.5]** [21822_1.DOC+3](https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/debt%20management%20act%20secy%20letter%20010809.pdf?utm_source=chatgpt.com)\n\n#### Activity classification\n\n| Actual model or conduct | Classification and access consequence | Claims / controlling provisions |\n| --- | --- | --- |\n| Periodically receiving a consumer’s money and distributing it to creditors toward personal debts | **Debt-management services.** This includes a conventional custodial DMP, whether creditors grant interest/fee concessions or receive full principal. A DMSA license is required unless an applicable exemption exists. | C003; S002 §§2–4 |\n| Acting between an individual and unsecured creditors, with contemplated concessions involving principal reduction on at least one personal, family or household debt | **Debt-settlement services.** For-fee marketing, solicitation, offers and provision fall within the licensing rule. Custody of client funds is not a prerequisite. | C004; S001 §§102, 301 |\n| Negotiating only interest rates, fees or payment schedules, with no contemplated principal reduction and no receipt/distribution of consumer funds | Does not meet the DSSA’s principal-reduction definition or the DMSA’s funds-distribution definition on those facts. Representations that the business will obtain or procure a DMP can still implicate DMSA §3(a). Federal debt-relief coverage and adjacent credit-services rules require separate analysis. | C005, C038, C043 |\n| Standalone budgeting or financial-literacy counseling | The label “credit counseling” does not itself establish DMSA coverage. Actual DMP services and representations matter. Paid credit-improvement or credit-obtaining promises can implicate the Credit Services Act. Counseling supplied to a DMP consumer is subject to the DMSA’s no-separate-fee and refund rules. | C003, C005, C025–C026, C043 |\n| A contract under which a debtor pays another person, periodically **or otherwise**, to distribute money among specified creditors for consideration | Potential **criminal debt pooling** under 18 Pa.C.S. §7312. Its definition is broader than a consumer DMP and is not limited to unsecured or household debts. An exception or the compliant-DMSA-licensee safe harbor must be established. | C006–C007; S003; S002 §16(b) |\n| Business-purpose debt negotiation without consumer-purpose debts | Outside the consumer-purpose definitions reviewed for DMSA/DSSA coverage. This does not establish a general exemption from Pennsylvania law. Business-purpose custodial pooling can still satisfy §7312. | C006, C013 |\n| A creditor directly adjusting only its own claim | On those limited facts, the creditor is not acting as an intermediary between the debtor and another creditor or receiving money for distribution among other creditors. This is an inference from the activity definitions, **not a blanket statutory “self-creditor” exemption for affiliates or service companies**. | C013 |\n| Lead generation, referral, marketing or outsourced enrollment | Marketing/solicitation can itself fall within the licensing triggers. DMSA referral-compensation and delegation prohibitions also matter. A publisher or affiliate cannot be classified solely by calling itself a “lead source.” | C004, C042 |\n\nThe DMSA definition of personal-debt distribution does not contain the DSSA’s express **unsecured-debt** limitation. That observation does not complete the later secured-debt investigation. **[C003–C005]** [ENACTMENT+3](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117..HTM?utm_source=chatgpt.com)\n\n**Resident and remote-provider nexus.** DSSA §301(a) addresses an individual residing in Pennsylvania when the provider agrees to provide services. The DMSA reaches agreements negotiated, offered or transacted wholly or partly in Pennsylvania, agreements made or executed there after effectiveness, and agreements with a Pennsylvania resident regardless of execution location; it also reaches persons engaging in DMS activities in Pennsylvania. An out-of-state office does not remove these statutory connections. **[C003–C004; S001 §301(a); S002 §48]** [ENACTMENT+1](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117..HTM?utm_source=chatgpt.com)\n\n**Fee-free claims require care.** DMSA §3(a)’s licensing language is not conditioned on charging a consumer fee. DSSA §301(a) does specify a fee or other consideration. A zero charge to the consumer does not, by itself, establish that the provider receives no other consideration. Mixed consumer/business programs require examination of debt purpose and actual services rather than treating the whole portfolio according to its marketing label. **[C003–C005, C013]**\n\n### 2. Authorization, prohibition and conditional exemptions\n\n#### DMSA and DSSA exclusions are different\n\n| Route | Actual conditions | Consequence and failure case |\n| --- | --- | --- |\n| **DMSA exemption from the entire Act** | §4(a): supervised banking institutions or federally/state-chartered credit unions; judicial officers or court-order actors; government agencies/instrumentalities; employees of licensees or exempt persons; Pennsylvania-admitted attorneys providing legal services in an attorney-client relationship within normal legal practice. | The DMSA itself does not apply when the conditions are met. An unrelated company employing or contracting with an attorney does not thereby become the exempt attorney. Other applicable law remains separate. **C009** |\n| **DMSA exemption from licensing only** | §4(b): Pennsylvania-licensed CPAs providing accounting services in an accountant-client relationship; qualifying licensed title insurers or their agents; mortgage lenders, brokers and loan correspondents licensed under 7 Pa.C.S. Ch.61. | These actors must still comply with the Act when offering, obtaining or providing covered DMS. The exemption does not remove consumer-fee requirements. **C010** |\n| **DSSA professional-service exclusions from the definition** | §102 excludes actual legal services in a qualifying attorney-client relationship, accounting services in a qualifying CPA-client relationship, and financial-planning services in a relationship with a licensed member of that profession. | A professional affiliation or certificate is insufficient without the qualifying service and relationship. **C011** |\n| **DSSA attorney nonapplicability provision** | §103(5): attorney acts as intermediary in normal legal practice, is not otherwise engaged in or holding out publicly as engaged in DSS, and is **not compensated by a provider**. | The provider-compensation disqualification expressly applies to this paragraph. The interaction between this paragraph and §102’s actual-legal-services exclusion must not be flattened into an automatic exemption or automatic disqualification for every attorney arrangement. **C011** |\n| **Other DSSA nonapplicability** | §103, in regular business/professional course: judicial officer, court/administrative-order actor or assignee for creditors; specified banks, bank holding companies, subsidiaries, agents, affiliates, credit unions and chartered financial institutions; title insurer, escrow company or bill payer where DSS is incidental; DMSA licensee where DSS is incidental to DMS. Employees are included within the stated conditions. Governmental entities are also excluded from “person” in §102. | Each entity and activity condition must be proved. “Incidental” is not a general license to operate a principal settlement business. **C012, C014** |\n\n**Sources:** S002 §4; S001 §§102–103. [ENACTMENT+1](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117..HTM?utm_source=chatgpt.com)\n\n#### Nonprofit status has three distinct effects\n\n1. **Neither DMSA nor DSSA contains a blanket nonprofit exemption from its licensing scheme.**\n2. Both Acts provide reduced government license fees for a qualifying domestic or foreign nonprofit corporation/association registered under the specified Pennsylvania nonprofit-corporation provisions, with annual gross revenues from the relevant service fees and charges **below $3 million**.\n3. Criminal §7312 separately exempts organizations in debt adjusting or pooling that are actually exempt under **IRC §501(c)(3)**. This criminal-law exception does not itself eliminate a DMSA licensing obligation.\n\nThe criminal statute also separately excepts specified Pennsylvania-admitted lawyers, and partnerships or professional corporations **all** of whose members/shareholders are admitted as specified; and BBBs, legal-aid societies or welfare agencies acting without compensation or profit. A generic nonprofit label or one attorney’s involvement does not satisfy these different tests. **[C007–C010; S003 §7312(b); S002 §§4, 6, 16(b); S001 §304]** [CRIMES AND OFFENSES+2](https://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/18/00.073..HTM?utm_source=chatgpt.com)\n\n**Incidental settlement by a DMSA licensee.** DSSA §103(4) establishes the incidental-service exclusion. It does not expressly establish an additional settlement-success-fee schedule. The 2009 letter allowed incidental settlement without a separate charge, but that letter predates the DSSA repeal and cannot alone settle every current separate-fee issue. The verified DMP fee pathway remains available for qualifying DMS; **a separate success fee under the incidental exemption remains held pending current authoritative interpretation**. **[C014]**\n\n**Custody beyond the reviewed provider license.** A compliant DMSA licensee has the express §16(b) debt-pooling safe harbor and the limited money-transmission exemption in §21 for transmission pursuant to the covered agreement. A DSSA license does not contain an equivalent express §7312 safe harbor in the provisions reviewed. Whether a settlement provider’s account-administration arrangement constitutes receipt/distribution, falls within a separate exemption, or requires additional authority must be resolved from the actual arrangement. **[C007, C035, C044]**\n\nThe current money-transmission statute separately addresses transmitting money for consideration with or for an individual, with institutional and agency exemptions and written-agency conditions. The 2018 **Reliant Account Management** consent order illustrates that a settlement-account administrator’s bank connection did not automatically establish an exemption: the Department alleged unlicensed transmission, and the company settled without admitting wrongdoing. That historical order establishes neither current licensing status nor the outcome for a different administrator. **[C044–C045; S018 §§2–3, 12; S020 ¶¶4–11, 20]** [MONEY TRANSMISSION BUSINESS LICENSING LAW+2](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/1965/0/0249..HTM?utm_source=chatgpt.com)\n\n### 3. Consumer fee structures and current amount limitations\n\n#### A. Debt-management services\n\n**The amounts printed in DMSA §15 are statutory base figures. They are not certified here as the exact current indexed ceilings.**\n\n| Fee or charge | Verified statutory structure | Currentness and conditions |\n| --- | --- | --- |\n| Initial consultation | Printed base ceiling **$50**, provided the consultation includes the consumer-education program. | Exact adjusted ceiling held. This is not a separate $50 education fee plus a $50 setup fee. §§14(1), 15(a), (f), (g). **C020, C025, C027** |\n| Monthly maintenance | Printed base formula: **lesser of $10 × accounts initially included, or $50 per month**. | Exact adjusted per-account and monthly amounts held. The statutory count is initially included accounts, not necessarily the number remaining. §15(b). **C021–C022** |\n| Credit report | **Actual cost** of requesting the consumer’s credit report. | No markup or invented flat allowance is established by §15(d). **C023** |\n| Dishonored payment instrument | §15(c) permits a fee for a **subsequent** dishonored check/instrument, bounded by the service charge permitted under 18 Pa.C.S. §4105. | §4105(e)(3) states **$50**, or actual financial-institution charges if those exceed $50, and includes a conspicuously displayed written-notice condition. Application to a first returned item, particular ACH transaction or remote-notice arrangement remains held. **C024** |\n| Education/counseling supplied to a DMP consumer | No separate education/counseling charge. | If separately charged education/counseling is followed by a DMP with the same licensee within four months of beginning that education/counseling, the prior fee must be **refunded**. §15(f). **C025–C026** |\n| Consumer contributions and other add-ons | §15(e) prohibits requiring or accepting consumer contributions for regulated plan services, subject to its regulatory wording; §15(h) limits charges to those authorized by statute or regulation. | No current rule authorizing a donation surcharge, extra enrollment charge, percentage-of-debt charge or settlement-success add-on for ordinary DMS was verified. **C025** |\n\n**Indexing.** Section 15(i) requires annual increases tied to the specified regional CPI-U measure for Pennsylvania, New Jersey, Delaware and Maryland, using the most recent officially reported 12-month period before the adjustment is due; deflation cannot produce a negative adjustment. The January 2009 official letter identifies initial consultation and monthly maintenance as the indexed fees and says increases will be published annually in the Pennsylvania Bulletin.\n\nSearches of official sources, the current Code, the agency’s document routes and the 2026 nonregulatory-document catalog did **not** yield an authoritative applicable current adjustment notice. Therefore:\n\n- Current adjusted initial-consultation ceiling: **HELD**.\n- Current adjusted per-account monthly amount: **HELD**.\n- Current adjusted aggregate monthly ceiling: **HELD**.\n- No CPI series substitution, compounding, rounding convention or self-calculated 2026 amount is supplied.\n\n**[C020–C026; S002 §15; S004 §4105(e)(3); S009 p.3; S010]** [ENACTMENT+3](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117..HTM?utm_source=chatgpt.com)\n\nThe reviewed DMSA fee section does not establish a separate lifetime program cap or a savings-percentage fee. Its monthly ceilings and prohibition on unauthorized additional fees must be applied to the actual agreement and duration. A favorable fee calculation does not override §14(2)’s requirement that the consumer benefit from the DMP.\n\n#### B. Debt-settlement services\n\nDSSA §502(c)(3) supplies **alternative per-debt calculation methods**:\n\n| Method | Verified base and operation | Important limitations |\n| --- | --- | --- |\n| Proportional allocation | Fee for the qualifying debt = agreed total program fee × that debt’s enrollment balance ÷ total enrollment debt balance. | Both balances are measured when enrolled. One completed debt does not release the fee allocated to unresolved debts. **C031** |\n| Percentage of savings | Fee for the debt = consistent agreed percentage × (amount owed at enrollment − amount actually paid to satisfy that debt). | The percentage cannot change from one individual debt to another. Later interest/fees do not replace the enrollment balance. **C032** |\n\nThe reviewed DSSA contains **no numerical percentage or dollar ceiling** for these methods, no indexed settlement-fee amount, and no separately authorized advance setup/monthly fee schedule. No additional current Pennsylvania settlement-fee-cap rule was located in the reviewed official regulatory materials.\n\nThat is a bounded finding about the sources reviewed—not a conclusion that any fee amount is necessarily lawful. Good faith, accurate disclosures, the agreed method, earning conditions and other applicable law remain relevant. A service charge called “setup,” “membership,” “monthly administration” or “per debt” does not escape §502(c) if it is consideration for DSS. **[C030–C034; S001 §§501–502; S016]** [ENACTMENT+2](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2014/0/0118..HTM?utm_source=chatgpt.com)\n\n### 4. When fees may actually be requested or received\n\n#### Pennsylvania rules\n\n**DMS:** Section 15(g) prohibits imposing charges or receiving payment for DMS until both provider and consumer sign the DMS agreement. Before entering that agreement, the provider must perform the required analysis and budget, determine benefit, and have a certified counselor orally review the analysis, budget and agreement with the consumer. The consumer-education program must precede offering the agreement. The consultation and monthly-fee provisions do not establish a freestanding right to collect an unperformed service charge before the applicable prerequisites. **[C020, C027; S002 §§2, 14(1)–(2), 15(g)]**\n\nFor a partial consumer payment, §14(6) gives creditors priority over the provider’s fee. The permitted trust-account deduction of fees owed does not negate that priority. **[C028]**\n\n**DSS:** Before consent to pay, §502(a) requires the signed written agreement and specified disclosures, including the per-debt fee method and total estimated program costs. Section 502(c) then prohibits **receiving** a fee or consideration until:\n\n1. At least one debt has been renegotiated, settled, reduced or otherwise altered under a settlement plan;\n2. The individual has made at least one payment under that plan; and\n3. The per-debt fee satisfies one of the two statutory allocation methods.\n\nThe state text says “receive”; this wording is not treated here as affirmative permission to demand an advance payment. Depositing savings into a consumer-owned reserve account is analytically different from paying a creditor under an achieved settlement. **[C033–C034]** [ENACTMENT+3](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117..HTM?utm_source=chatgpt.com)\n\n#### Independently applicable federal TSR — common context only\n\nThe exact federal provisions were read. **16 C.F.R. §310.4(a)(5)(i)** prohibits **requesting or receiving** payment for covered debt-relief services until the seller achieves a qualifying alteration under a valid agreement executed by the customer, the customer makes at least one payment under the agreement with the creditor/debt collector, and the fee satisfies the per-debt allocation rule.\n\nFederal “debt relief service” includes interest-rate and fee concessions, broader than Pennsylvania’s principal-reduction DSS definition. Telemarketing coverage must actually exist; the inbound-advertising exemptions contain express debt-relief exceptions. A state ceiling or exemption does not decide federal coverage. **[C038–C040; S013 §§310.2(o), (ii), 310.4(a)(5), 310.6(b)(5)–(6)]** [ecfr.gov+3](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com)\n\nThe first-payment trigger does not require every installment of an agreed settlement to have been paid. However, a savings calculation must not subtract only the first installment while ignoring the remaining settlement obligation. The numerical savings examples below use fully paid settlements; a disputed or aborted installment-settlement true-up remains outside the verified examples.\n\n#### Dedicated accounts and cancellation\n\n| Issue | Pennsylvania DSSA | Federal TSR, when applicable |\n| --- | --- | --- |\n| Ownership and account | Bank account solely in client’s name; client owns funds and accrued interest. | Account at insured financial institution; customer owns funds and interest. |\n| Administrator independence | §502(d)(3) imposes independence **if the provider does not administer the account**. The state wording does not itself categorically prohibit provider administration. | §310.4(a)(5)(ii)(C) requires an administrator not owned, controlled by or affiliated with the debt-relief service. |\n| Referral compensation | Account administrator may not give or accept compensation for referrals by the provider. | Corresponding referral-compensation prohibition. |\n| Withdrawal | At any time without penalty; subtract only fees earned in compliance. | At any time without penalty; subtract only compliant earned fees. |\n| Return deadline | Operative §502(d)(5): **seven days**. Required disclosure in §502(a)(4): **seven business days**. | Seven business days. |\n\nThe Pennsylvania discrepancy is preserved rather than silently harmonized. No controlling current interpretation resolving it was verified. The shorter seven-day operational deadline avoids assuming that the disclosure clause grants additional time. **[C035–C036, C040]** [ENACTMENT+2](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2014/0/0118..HTM?utm_source=chatgpt.com)\n\nDSSA §502(a)(5) describes termination **upon three days’ written notice**; it does not describe a cancellation right limited to the first three days after enrollment. DMSA §14(3)(xii) instead requires notice of either party’s right to terminate on **ten days’ written notice**, with prompt return of undisbursed money and interest less lawfully payable fees under §14(5)(vii). If a required DSS license was absent when the consumer assented, §502(e) makes the agreement **voidable by the individual**. **[C029, C036–C037]**\n\n### 5. Actual regulator procedure and public market-access verification\n\nThe issuing regulator is the **Pennsylvania Department of Banking and Securities**. Its currently retrieved **Non-Bank Licensees → Debt Servicers** page expressly directs **both DMS and DSS applicants/licensees to NMLS** to obtain and manage Pennsylvania licenses. The same page directs license-status inquiries to **NMLS Consumer Access**. These are actual operational instructions read on the page, rather than a search-result title. **[C041; S007]** [Commonwealth of Pennsylvania+1](https://www.pa.gov/agencies/dobs/non-bank-licensees?utm_source=chatgpt.com)\n\n#### Entry conditions established from statute and operative regulation\n\n| DMSA pathway | DSSA pathway |\n| --- | --- |\n| Application information includes ownership/control, Pennsylvania process agent, audited financial statement, liability/fidelity insurance, standard agreement, trust-account information, consumer-education materials, certification information/plan, acceptable independent accreditation and bond. | Application includes ownership/control and affiliated-service interests, Pennsylvania process agent, insurance, standard agreement, bond and proof of authority to conduct business in Pennsylvania. |\n| Bond must exceed the maximum Pennsylvania consumer funds held directly or in trust. | Statutory bond amount is **$25,000**. |\n| §10.1 requires denial to an applicant offering payday loans. | Fitness, compliance, financial-condition and criminal-background provisions apply. |\n| Current 10 Pa. Code Ch.57 requires **16 continuing-education hours every two years**, including at least one ethics hour, through the specified registered certifying-organization structure. | No comparable DSS counselor-education requirement is inferred from the DMS regulation. |\n| License generally runs one year on the Department’s schedule. | License period may not exceed 14 months on the Department’s schedule. |\n\nThe full relevant Chapter 57 text and final adoption order/annex were read. The rule became effective January 24, 2015. The January 2009 letter’s anticipated six-hours-per-year description is not substituted for the adopted regulation. The current agency accreditation/certification page was also read. **[C015–C017; S002 §§5, 7–10.1; S001 §§302–310; S005–S006, S017]** [ENACTMENT+5](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117..HTM?utm_source=chatgpt.com)\n\nBoth Acts contemplate a decision on a completed application within 60 days, with a possible written 30-day extension. A conditional license requires Department issuance. Filing an application is not, by itself, current permission to operate; the original transition provisions are not a perpetual grace period. **[C015–C016]**\n\n#### Government licensing charges — separate from consumer fees\n\n| License | Statutory or verified historical government charge | Limit |\n| --- | --- | --- |\n| DMS, ordinary applicant | **$2,000 initial; $1,250 renewal** | Statutory §§5(14), 9(a). Current ancillary NMLS charges not verified. |\n| DMS, qualifying registered nonprofit below the statutory revenue threshold | **$500 initial; $350 renewal** | §6 conditions must be met. |\n| DSS, ordinary applicant | **$2,500 initial** established in the October 2014 official letter; **$1,250 renewal** in §309(a) | Initial amount is historically verified but not reverified against a readable current NMLS checklist. |\n| DSS, qualifying registered nonprofit below the statutory revenue threshold | **$500 initial; $350 renewal** | §304 conditions must be met. |\n\n**[C018–C019; S001 §§302, 304, 309; S002 §§5–6, 9; S008 p.3]**\n\n**Public-access limits:** Current NMLS checklist routes returned empty/redirected pages, legacy checklist PDFs did not yield their operative contents, and Consumer Access did not yield a usable registry result. Thus the statutory license pathways and current NMLS direction are established, while the **complete current application package, ancillary fees and named-provider status remain unverified**. Exact failed routes appear in B2.\n\n**Adjacent fee-taking conduct:** Paid credit-improvement or credit-obtaining services can implicate the Credit Services Act. Its §3(1) has a complete-performance rule with a specified bond/trust alternative; its loan-broker provisions separately require registration and prohibit assessing or collecting an advance fee before loan closing. These are classification boundaries, not cleared substitute pathways for a DSS or DMP fee. Full credit-repair, loan-broker and professional-fee compliance remain later work. **[C043; S015 §§2–3, 7–8, 12]** [CREDIT SERVICES ACT+2](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/1992/0/0150..HTM?utm_source=chatgpt.com)\n\n### 6–7. Worked applications and component coverage\n\nSection D supplies the requested bounded calculations, failure cases, coverage status and exact next investigations. None of the unresolved structures is presented as a verified licensed fee scenario.\n\n## B. Source table\n\n**Access notation:** Every entry below was checked on **2026-10-23 Pacific**. “Read” means substantive text was retrieved and examined. “Access only” means the attempted route did not supply the operative document. The access date is not an enactment, amendment or legal effective date.\n\n### B1. Substantive sources actually read\n\n| Unique source ID | Title / issuer and direct literal URL | Exact passages, version/status and limitations |\n| --- | --- | --- |\n| **S_PA-P1-S001** | **Debt Settlement Services Act**, Act 118 of 2014, Pennsylvania General Assembly. [https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2014/0/0118..HTM](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2014/0/0118..HTM?utm_source=chatgpt.com) — Act metadata: [https://www.palegis.us/statutes/unconsolidated/law-information?actNum=0118&sessInd=0&sessYr=2014](https://www.palegis.us/statutes/unconsolidated/law-information?actNum=0118&sessInd=0&sessYr=2014&utm_source=chatgpt.com) | **Read:** §§102–103, 301–310, 313, 501–502, 2102–2104, including complete relevant fee/account language. Enacted July 9, 2014; phased effectiveness under §2104; core operating rules January 1, 2015. Metadata reported no amending legislation found. Pennsylvania controlling statutory text; no comprehensive citator certification. [ENACTMENT+2](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2014/0/0118..HTM?utm_source=chatgpt.com) |\n| **S_PA-P1-S002** | **Debt Management Services Act**, Act 117 of 2008, Pennsylvania General Assembly. [https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117..HTM](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117..HTM?utm_source=chatgpt.com) — Same-document §14 view: [https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117.000.000.014.000..HTM](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117.000.000.014.000..HTM?utm_source=chatgpt.com) — Metadata: [https://www.palegis.us/statutes/unconsolidated/law-information?actNum=0117&sessInd=0&sessYr=2008](https://www.palegis.us/statutes/unconsolidated/law-information?actNum=0117&sessInd=0&sessYr=2008&utm_source=chatgpt.com) | **Read:** definitions, licensing/exclusions, application/renewal provisions; §§10.1, 14–16, 21, 48–50. Complete §15 read. Effective February 6, 2009. The displayed enactment contains DSS language displaced by S001 §2103. The separate history route [https://www.palegis.us/statutes/unconsolidated/chron-history?ACTNUM=117&SESSIND=0&SESSYR=2008](https://www.palegis.us/statutes/unconsolidated/chron-history?ACTNUM=117&SESSIND=0&SESSYR=2008) failed; identified repeal/cases were checked separately. [ENACTMENT+4](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117..HTM?utm_source=chatgpt.com) |\n| **S_PA-P1-S003** | **18 Pa.C.S. §7312, Debt pooling**, Pennsylvania General Assembly. [https://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/18/00.073..HTM](https://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/18/00.073..HTM?utm_source=chatgpt.com) | **Read:** complete §7312(a)–(c), including all express exceptions and definitions. Current official chapter text; source note identifies Act 70 of December 18, 2007, effective immediately, for the amendment to exceptions. Not a general debt-collection-law review. [CRIMES AND OFFENSES](https://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/18/00.073..HTM?utm_source=chatgpt.com) |\n| **S_PA-P1-S004** | **18 Pa.C.S. §4105, Bad checks**, Pennsylvania General Assembly. [https://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/18/00.041.005.000..HTM](https://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/18/00.041.005.000..HTM?utm_source=chatgpt.com) | **Read:** §4105(e), especially (e)(3), and amendment notes. Current official $50/actual-higher-bank-charge text and posted-notice language. This is the criminal-cost provision incorporated by DMSA §15(c); remote-payment application is not fully resolved. [CRIMES AND OFFENSES](https://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/18/00.041.005.000..HTM?utm_source=chatgpt.com) |\n| **S_PA-P1-S005** | **10 Pa. Code Chapter 57, Debt Management Services Continuing Education**, DoBS / Pennsylvania Code. [https://www.pacodeandbulletin.gov/Display/pacode?d=&file=/secure/pacode/data/010/chapter57/chap57toc.html](https://www.pacodeandbulletin.gov/Display/pacode?d&file=%2Fsecure%2Fpacode%2Fdata%2F010%2Fchapter57%2Fchap57toc.html&utm_source=chatgpt.com) | **Read:** complete chapter, §§57.1, 57.11–.13, 57.21–.24, 57.31–.33. Adopted January 23, effective January 24, 2015, 45 Pa.B.408. Current retrieved codification. Education/verification rule, not a consumer-fee schedule. [pacodeandbulletin.gov](https://www.pacodeandbulletin.gov/Display/pacode?d=&file=%2Fsecure%2Fpacode%2Fdata%2F010%2Fchapter57%2Fchap57toc.html&utm_source=chatgpt.com) |\n| **S_PA-P1-S006** | **Debt Management Services Continuing Education—final rulemaking**, DoBS, **45 Pa.B.408–411**, Doc.15-126. [https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol45/45-4/45-4.pdf](https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol45/45-4/45-4.pdf?utm_source=chatgpt.com) | **Read:** relevant final-rule article, order and Annex A, printed pp.408–411, PDF pages 8–11. Effective upon publication January 24, 2015; no sunset stated. Distinguished from the 2014 proposal. The individual HTML route ending /126.html failed, but the official issue PDF supplied the text. [pacodeandbulletin.gov+2](https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol45/45-4/45-4.pdf?utm_source=chatgpt.com) |\n| **S_PA-P1-S007** | **Non-Bank Licensees**, Pennsylvania DoBS. [https://www.pa.gov/agencies/dobs/non-bank-licensees](https://www.pa.gov/agencies/dobs/non-bank-licensees?utm_source=chatgpt.com) | **Read:** “Debt Servicers,” “Debt Management Services Regulations,” “Credit Services Loan Brokers,” “Money Transmitters,” and concluding NMLS/Consumer Access instructions. Current operational directions; not independent statutory permission or evidence of any named license. [Commonwealth of Pennsylvania+2](https://www.pa.gov/agencies/dobs/non-bank-licensees?utm_source=chatgpt.com) |\n| **S_PA-P1-S008** | **October 1, 2014 letter to entities engaged in debt settlement**, Secretary of Banking and Securities. [https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/10%201%2014%20secretary_s%20letter%20re_%20dssa.pdf](https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/10%201%2014%20secretary_s%20letter%20re_%20dssa.pdf?utm_source=chatgpt.com) | **Read:** all three pages; coverage/transition pp.1–2; NMLS forms and bond p.2; government fees/renewal p.3. Historical implementation guidance. $2,500 initial ordinary-provider fee verified for that issuance; current checklist reconfirmation held. [pa.gov](https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/10%201%2014%20secretary_s%20letter%20re_%20dssa.pdf?utm_source=chatgpt.com) |\n| **S_PA-P1-S009** | **January 8, 2009 DMSA implementation letter**, Secretary of Banking. [https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/debt%20management%20act%20secy%20letter%20010809.pdf](https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/debt%20management%20act%20secy%20letter%20010809.pdf?utm_source=chatgpt.com) | **Read:** four pages; effective date/nexus p.1; licensing p.2; “Permissible Fees,” anticipated education and old settlement restrictions p.3; other-statute discussion p.4. Historical. Its promised annual Bulletin fee notices do not supply the missing current figures; its old settlement prohibition is superseded as described above. [21822_1.DOC](https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/debt%20management%20act%20secy%20letter%20010809.pdf?utm_source=chatgpt.com) |\n| **S_PA-P1-S010** | **Catalog of Nonregulatory Documents**, Governor’s Office, **56 Pa.B.4699**, August 1, 2026, Doc.26-1110. [https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol56/56-31/1110.html](https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol56/56-31/1110.html?utm_source=chatgpt.com) | **Read:** catalog introduction and DoBS entries, including Secretary’s Letters and interpretive/guidance descriptions. Catalog aims at documents in effect July 2, 2026, with an accuracy qualification; it also identifies historical letters. Listing an old letter does not reenact it. No operative current DMP fee-adjustment amount was obtained. [pacodeandbulletin.gov+2](https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol56/56-31/1110.html?utm_source=chatgpt.com) |\n| **S_PA-P1-S011** | ***United States Organizations for Bankruptcy Alternatives, Inc. v. Department of Banking***, 991 A.2d 370 (Pa. Cmwlth. 2010), No.69 M.D.2009, February 25, 2010. Court opinion reproduced at [https://cases.justia.com/pennsylvania/commonwealth-court/69md09_2-25-10.pdf?ts=1462437603](https://cases.justia.com/pennsylvania/commonwealth-court/69md09_2-25-10.pdf?ts=1462437603&utm_source=chatgpt.com) | **Read:** opinion/order; controlling discussion slip pp.6–8; order at PDF p.9. Official route [https://www.pacourts.us/assets/opinions/Commonwealth/out/69MD09_2-25-10.pdf](https://www.pacourts.us/assets/opinions/Commonwealth/out/69MD09_2-25-10.pdf) failed. Primary judicial text read through a third-party host. Historical partial constitutional ruling; later final docket disposition not verified. [69MD09.doc](https://cases.justia.com/pennsylvania/commonwealth-court/69md09_2-25-10.pdf?ts=1462437603&utm_source=chatgpt.com) |\n| **S_PA-P1-S012** | ***United States Organizations for Bankruptcy Alternatives, Inc. v. Department of Banking***, 26 A.3d 474 (Pa. 2011), Nos.13 & 16 MAP 2010, August 15, 2011. [https://cases.justia.com/pennsylvania/supreme-court/J-56A%26B-2011mo.pdf?ts=1462440611](https://cases.justia.com/pennsylvania/supreme-court/J-56A%26B-2011mo.pdf?ts=1462440611&utm_source=chatgpt.com) | **Read:** opinion, especially pp.8–11 and p.10 n.5. Official route [https://www.pacourts.us/assets/opinions/Supreme/out/J-56A%26B-2011mo.pdf](https://www.pacourts.us/assets/opinions/Supreme/out/J-56A%26B-2011mo.pdf) failed. Both appeals quashed as interlocutory; no merits view. Primary judicial text on third-party host. [cases.justia.com](https://cases.justia.com/pennsylvania/supreme-court/J-56A%26B-2011mo.pdf?ts=1462440611&utm_source=chatgpt.com) |\n| **S_PA-P1-S013** | **Telemarketing Sales Rule, 16 C.F.R. Part 310**, FTC / eCFR. [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com) ; [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com) ; [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6?utm_source=chatgpt.com) | **Read:** §§310.2(o), (ee), (hh)–(ii); complete §310.4(a)(5); relevant §310.6(b) exceptions. One regulation ID reused across sections. Retrieved eCFR displayed currency through **October 21, 2026**. Federal common context, not Pennsylvania permission; website title-wide amendment date is not attributed to the fee subsection. [ecfr.gov+3](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com) |\n| **S_PA-P1-S014** | **Debt Relief Services & the Telemarketing Sales Rule: A Guide for Business**, FTC staff. [https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business](https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business?utm_source=chatgpt.com) | **Read:** “Who’s Covered by the New Rule,” “Collecting Fees,” “Requiring A Dedicated Account,” relevant examples. Expressly nonbinding staff guidance. Used to corroborate fee collection/account distinctions; no Pennsylvania authorization or administrator-fee ceiling inferred. [Federal Trade Commission+1](https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business?utm_source=chatgpt.com) |\n| **S_PA-P1-S015** | **Credit Services Act**, Act 150 of 1992, Pennsylvania General Assembly. [https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/1992/0/0150..HTM](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/1992/0/0150..HTM?utm_source=chatgpt.com) | **Read:** §§2–3, relevant §7, §8, §§9, 12–13. Definitions, professional/institutional exclusions, performance/bond structure and loan-broker advance-fee prohibition. §13 provides immediate effectiveness for specified provisions and six months for the remainder. Used only for adjacent classification; full credit-repair/loan-broker rules not cleared. [CREDIT SERVICES ACT+2](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/1992/0/0150..HTM?utm_source=chatgpt.com) |\n| **S_PA-P1-S016** | **Title 10 Pennsylvania Code contents**, Legislative Reference Bureau. [https://www.pacodeandbulletin.gov/secure/pacode/data/010/010toc.html](https://www.pacodeandbulletin.gov/secure/pacode/data/010/010toc.html?utm_source=chatgpt.com) | **Read:** relevant banking/consumer-credit chapter listings. Discovery/current-codification cross-check; no separate DSS fee-cap regulation found there. A table of contents is not proof that no relevant order or interpretation exists. [pacodeandbulletin.gov](https://www.pacodeandbulletin.gov/secure/pacode/data/010/010toc.html?utm_source=chatgpt.com) |\n| **S_PA-P1-S017** | **Debt Management Services Accreditation Providers**, Pennsylvania DoBS. [https://www.pa.gov/agencies/dobs/non-bank-licensees/debt-management-services-accreditation-providers](https://www.pa.gov/agencies/dobs/non-bank-licensees/debt-management-services-accreditation-providers?utm_source=chatgpt.com) | **Read:** approved accreditation and counselor-certification sections and linked form descriptions. Current operational list, undated legal effectiveness; does not license a provider merely because it uses a listed organization. [Commonwealth of Pennsylvania](https://www.pa.gov/agencies/dobs/non-bank-licensees/debt-management-services-accreditation-providers?utm_source=chatgpt.com) |\n| **S_PA-P1-S018** | **Money Transmission and Virtual Currency Transmission Business Licensing Law**, Act 249 of 1965, Pennsylvania General Assembly. [https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/1965/0/0249..HTM](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/1965/0/0249..HTM?utm_source=chatgpt.com) | **Read:** selected current compiled §§1–3 and 12, including June 27, 2025 amendment annotations. Initial retrieval timed out; subsequent retrieval succeeded. Used for custody/administrator boundaries only. Full transmission compliance and application requirements remain later work. [MONEY TRANSMISSION BUSINESS LICENSING LAW](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/1965/0/0249..HTM?utm_source=chatgpt.com) |\n| **S_PA-P1-S019** | **Pennsylvania Money Transmitter Act Amendments**, Pennsylvania DoBS, 2025 notice. [https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/non-bank-licensees/forms/non-bank%20licensee%20act%207%20letter%20081225.pdf](https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/non-bank-licensees/forms/non-bank%20licensee%20act%207%20letter%20081225.pdf?utm_source=chatgpt.com) | **Read:** single page. Agency reports Act 7’s June 27, 2025 signing and August 26, 2025 effectiveness, concurrent rescission of prior virtual-currency policy, and NMLS procedure. Guidance supports the need to account for the 2025 change; full amending-act retrieval failed at S030. [pa.gov](https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/non-bank-licensees/forms/non-bank%20licensee%20act%207%20letter%20081225.pdf?utm_source=chatgpt.com) |\n| **S_PA-P1-S020** | **Reliant Account Management, LLC—Consent Agreement and Order**, Pennsylvania DoBS, filed September 21, 2018. [https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/enforcement-orders/2018/092118_ram.pdf](https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/enforcement-orders/2018/092118_ram.pdf?utm_source=chatgpt.com) | **Read:** operative text pp.1–4, particularly ¶¶4–11, 13–14, 20–21; six-page file includes signature/redaction pages. ¶20 makes effectiveness turn on docketing. Historical, party-specific consent order without admission; no current provider-status conclusion. [pa.gov+1](https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/enforcement-orders/2018/092118_ram.pdf?utm_source=chatgpt.com) |\n\n### B2. Discovery and failed-access evidence\n\nThese entries establish **access limitations**, not substantive legal permission.\n\n| Unique source ID | Attempted document / literal route | Actual result on October 23, 2026 Pacific |\n| --- | --- | --- |\n| **S_PA-P1-S021** | NMLS Pennsylvania license requirements: [https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=PA](https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=PA&utm_source=chatgpt.com) | Redirected to [https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=PA](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=PA) with no usable substantive text. |\n| **S_PA-P1-S022** | NMLS Checklist Compiler: [https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx?utm_source=chatgpt.com) | No readable checklist contents returned. |\n| **S_PA-P1-S023** | Indexed PA debt-management new-application checklist: [https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-DM-New_Application-Checklist.pdf](https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-DM-New_Application-Checklist.pdf?utm_source=chatgpt.com) | Search discovery only for checklist contents; opening redirected to a generic NMLS resource page with no operative PDF text. |\n| **S_PA-P1-S024** | Indexed PA DML new-application checklist: [https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-DML-New_Application-Checklist.pdf](https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-DML-New_Application-Checklist.pdf?utm_source=chatgpt.com) | Opening redirected to generic NMLS home with no text. An indexed historical date is not treated as a freshly read or current version. |\n| **S_PA-P1-S025** | Indexed PA DSS “DN” company checklist: [https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-Debt_Settlement_DN-Company-New-App-Checklist.pdf](https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-Debt_Settlement_DN-Company-New-App-Checklist.pdf?utm_source=chatgpt.com) | Operative document inaccessible. Checklist class, requirements and current fee package not certified from the filename/snippet. |\n| **S_PA-P1-S026** | NMLS Consumer Access: [https://www.nmlsconsumeraccess.org/](https://www.nmlsconsumeraccess.org/) ; resource route [https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx?utm_source=chatgpt.com) | Main route returned an error/404; resource route returned no usable registry text. No named-provider license record was verified. |\n| **S_PA-P1-S027** | DoBS Forms & Applications: [https://www.pa.gov/agencies/dobs/forms-and-applications](https://www.pa.gov/agencies/dobs/forms-and-applications?utm_source=chatgpt.com) | Page shell retrieved; dynamic results displayed no results. No complete current application packet obtained through it. |\n| **S_PA-P1-S028** | DoBS Secretary’s Letters directory: [https://www.pa.gov/agencies/dobs/statutes/secretary-s-letters](https://www.pa.gov/agencies/dobs/statutes/secretary-s-letters?utm_source=chatgpt.com) | Directory shell retrieved without a usable complete document list. S008–S009 were accessed separately by direct PDF URLs. |\n| **S_PA-P1-S029** | DoBS Interpretations and Releases directory: [https://www.pa.gov/agencies/dobs/statutes/interpretations-and-releases](https://www.pa.gov/agencies/dobs/statutes/interpretations-and-releases?utm_source=chatgpt.com) | Directory shell retrieved without usable listed interpretations. This does not establish that no relevant interpretation exists. |\n| **S_PA-P1-S030** | Act 7 of 2025, attempted official full amending text: [https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2025/0/0007..HTM](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2025/0/0007..HTM) | Full amending text inaccessible through this route. Selected amended provisions were actually read in S018; agency effective-date discussion read in S019. |\n\n## C. Claim table\n\n**Confidence convention:** “High—text” means the stated text was directly read, subject to the source’s identified version limits. “Bounded” means the result is a stated inference or is limited by missing interpretation. “Held” means the exact conclusion is not established.\n\n| Unique claim ID | Precise assertion | Sources / pinpoints | Conditions, currentness and confidence limits |\n| --- | --- | --- | --- |\n| **S_PA-P1-C001** | DSSA supplies a separate settlement regime and repeals DMSA insofar as it applies to DSS; §§301/502 operate from January 1, 2015. | S001 §§2103–2104; S002 §50; S009 p.1 | High—text. Legacy transactions require their own temporal analysis under §2102. |\n| **S_PA-P1-C002** | The 2010 ruling invalidated only specified former DSS regulatory/fee provisions; the 2011 Supreme Court decision quashed appeals without deciding merits. | S011 pp.6–8/order; S012 pp.8–11, n.5 | High—read decisions. Final post-remand disposition not verified; no current DSSA invalidity inferred. |\n| **S_PA-P1-C003** | DMS is periodic receipt/distribution of consumer personal-debt payments; §3(a) also reaches specified advertising/procurement representations, without an express fee prerequisite. | S002 §§2, 3(a), 48 | High—text. Pennsylvania activity/resident nexus applies; secured-debt issues otherwise open. |\n| **S_PA-P1-C004** | Covered DSS contemplates principal reduction of unsecured personal/family/household debt; fee-based marketing, solicitation, offers and provision to a PA resident require licensing absent exclusion. | S001 §§102, 103, 301 | High—text. Residence measured when provider agrees to serve; custody not required by definition. |\n| **S_PA-P1-C005** | Pure noncustodial interest/fee negotiation without contemplated principal reduction differs from DSS and custodial DMS; labels do not decide coverage. | S001 §102; S002 §§2–3; S013 §310.2(o) | Bounded application. Marketing, actual money handling and federal/adjacent coverage must be checked. |\n| **S_PA-P1-C006** | Paid contractual collection of debtor money for distribution among specified creditors can be prohibited debt pooling, including business-purpose debts. | S003 §7312(a), (c) | High—text; application assumes all definition elements and no exception. |\n| **S_PA-P1-C007** | §7312 contains specified lawyer/entity, uncompensated-agency and actual §501(c)(3) exceptions; compliant DMSA licensees have a separate §16(b) safe harbor. | S003 §7312(b); S002 §16(b) | High—text. Mere license possession without required compliance is insufficient. |\n| **S_PA-P1-C008** | Nonprofit status alone does not remove DMSA/DSSA licensing; reduced license fees and criminal nonprofit exceptions have different conditions. | S002 §§4, 6; S001 §§103, 304; S003 §7312(b)(3) | High—text. PA nonprofit registration and federal tax exemption are not interchangeable. |\n| **S_PA-P1-C009** | DMSA §4(a) exempts specified institutions, governmental/court actors, employees and qualifying PA attorneys from the Act. | S002 §4(a), §2 “banking institution” | High—text; actual institutional/professional conditions required. Other laws not cleared. |\n| **S_PA-P1-C010** | CPA, title-insurance and specified mortgage-license exclusions under DMSA §4(b) remove licensing only, retaining Act compliance. | S002 §4(b) | High—text. Consumer-fee obligations remain for covered services. |\n| **S_PA-P1-C011** | DSSA’s actual-professional-services exclusions and its narrower §103(5) attorney provision must be separately analyzed; provider-paid attorneys fail the latter paragraph. | S001 §§102, 103(5) | High—text; interaction in specific attorney arrangements held absent controlling interpretation. |\n| **S_PA-P1-C012** | DSSA institutional/court/bill-paying exclusions depend on §103’s entity, ordinary-course and incidental-service conditions. | S001 §§102–103 | High—text. No generic bank-affiliation or escrow label exemption. |\n| **S_PA-P1-C013** | Direct own-creditor adjustment and exclusively business-purpose noncustodial negotiation differ from the consumer intermediary/distribution definitions. | S001 §102; S002 §2; S003 §7312(c) | Bounded inference. Affiliates, mixed debts and business pooling require separate application. |\n| **S_PA-P1-C014** | Incidental DSS by a DMSA licensee is excluded under DSSA §103(4); the exclusion does not itself establish a separate success-fee schedule. | S001 §103(4), §2103; S002 §15(h); S009 p.3 | Exclusion verified; current separate additional-fee interpretation held. |\n| **S_PA-P1-C015** | DMS entry requires statutory application/financial, insurance, agreement, trust, accreditation, counselor and bond information; payday-loan applicants must be denied. | S002 §§5, 7–10.1 | High—text. Application filing alone is not issuance; conditional license requires Department action. |\n| **S_PA-P1-C016** | DSS entry requires business authority, specified application/insurance information and $25,000 bond; license term is at most 14 months. | S001 §§302–305, 308–310 | High—text. Current complete NMLS package held; original transition is historical. |\n| **S_PA-P1-C017** | Current DMS continuing education is 16 hours per two years, including at least one ethics hour, under Chapter 57. | S005 §§57.11–.13, .21–.33; S006 pp.408–411 | High—operative rule/adoption read. Not the old letter’s anticipated six-hour description. |\n| **S_PA-P1-C018** | DMS statutory government fees are $2,000 initial/$1,250 renewal; qualifying registered nonprofits below $3m relevant annual revenue pay $500/$350. | S002 §§5(14), 6, 9(a) | High—text. Not consumer charges; current ancillary NMLS fees unverified. |\n| **S_PA-P1-C019** | DSS renewal is $1,250 by statute; qualifying nonprofits pay $500/$350; $2,500 ordinary initial fee is established by the 2014 letter. | S001 §§302, 304, 309; S008 p.3 | Statutory figures high; current ordinary initial-fee reconfirmation held. |\n| **S_PA-P1-C020** | DMSA’s printed initial-consultation base ceiling is $50, with consumer education included. | S002 §§14(1), 15(a), (f), (g) | High—base text. Exact current adjusted ceiling held; no separate education add-on. |\n| **S_PA-P1-C021** | Printed DMS monthly base ceiling is min($10 × initially included accounts, $50/month). | S002 §15(b) | High—base/formula text. Exact adjusted amounts held; contract may charge less. |\n| **S_PA-P1-C022** | §15(i) requires annual regional CPI-U increases without negative deflation adjustment; current operative numerical amounts were not verified. | S002 §15(i); S009 p.3; S010/S016 and access routes | High—mechanism; **held—exact current amounts and rounding**. |\n| **S_PA-P1-C023** | A DMS licensee may charge actual cost of requesting the consumer’s credit report. | S002 §15(d) | High—text. No markup authorization established. |\n| **S_PA-P1-C024** | DMS dishonor fee is for a “subsequent” dishonored instrument and incorporates §4105’s service-charge ceiling. | S002 §15(c); S004 §4105(e)(3) | $50/actual-higher-bank-fee text verified. First-item, remote notice and instrument application held. |\n| **S_PA-P1-C025** | No separate DMP education/counseling fee; unauthorized extra fees and consumer contribution substitutes are restricted. | S002 §§14(1), 15(e)–(h) | High—text. No additional authorizing regulation retrieved; statutory regulatory qualification preserved. |\n| **S_PA-P1-C026** | Education/counseling fee must be refunded if the consumer enters a DMP with the same licensee within four months of beginning that service. | S002 §15(f) | High—text. Refund requirement; no assumption that a bookkeeping credit alone satisfies it. |\n| **S_PA-P1-C027** | DMS charges/payment cannot precede the signed DMS agreement; preservice education, benefit analysis and oral counselor review also apply. | S002 §§2, 14(1)–(2), 15(g) | High—text. Does not override independent federal timing. |\n| **S_PA-P1-C028** | Lawful fees may be drawn from the trust under specified accounting conditions, but creditors receive priority when consumer payment is partial. | S002 §14(5)(iii), (6) | High—text. Insufficient-payment delay provision does not convert funds into earned fees. |\n| **S_PA-P1-C029** | DMP agreement must disclose ten-day written termination notice; unused funds and interest are promptly refundable less authorized payable fees. | S002 §14(3)(xii)–(xiii), (5)(vii) | High—text. No invented seven-day DMP refund deadline or cancellation surcharge. |\n| **S_PA-P1-C030** | Reviewed DSSA fee provisions contain no numerical fee ceiling or separate advance setup/monthly fee authorization. | S001 §§501–502; S016 | High as to Act text; bounded as to absence of all other possible authority. |\n| **S_PA-P1-C031** | Proportional DSS fee uses qualifying debt’s enrollment balance divided by total enrollment balance, multiplied by total fee. | S001 §502(c)(3)(i) | High—text. Unresolved debts’ fee allocations remain unearned. |\n| **S_PA-P1-C032** | Savings-method DSS fee uses enrollment amount minus amount actually paid to satisfy debt, with the same percentage across debts. | S001 §502(c)(3)(ii) | High—text. Later inflated balances and inconsistent percentages are not the statutory method. |\n| **S_PA-P1-C033** | State DSS fee receipt requires debt alteration, at least one payment under the plan and compliant per-debt allocation. | S001 §502(c)(1)–(3) | High—text. State wording is “receive”; no advance-fee permission inferred. |\n| **S_PA-P1-C034** | Before consent to pay, a signed DSS agreement must disclose costs, per-debt fee method and total estimates; good faith and misrepresentation restrictions apply. | S001 §§501, 502(a)(1), (b) | High—text. No fee percentage is approved merely because disclosed. |\n| **S_PA-P1-C035** | State settlement-account conditions require sole client-name account, ownership/interest, specified independence condition and no referral compensation. | S001 §502(d)(1)–(4) | High—text. Provider administration is not categorically excluded by this clause; broader custody authority remains separate. |\n| **S_PA-P1-C036** | State DSS withdrawal is penalty-free; §502(d)(5) says seven days while disclosure §502(a)(4) says seven business days; agreement termination uses three days’ written notice. | S001 §502(a)(4)–(5), (d)(5) | High—wording; authoritative reconciliation held. Three-day language is a notice provision. |\n| **S_PA-P1-C037** | Missing required DSS license when consumer assents makes the agreement voidable by the consumer. | S001 §502(e) | High—text. Not described as automatically void in all circumstances. |\n| **S_PA-P1-C038** | Federal debt-relief definition includes interest/fee concessions; covered inbound advertising calls can fall within TSR. | S013 §§310.2(o), (ii), 310.6(b)(5)–(6) | High—federal text, retrieved through October 21, 2026. Actual jurisdiction/coverage required. |\n| **S_PA-P1-C039** | TSR bars requesting and receiving fees before qualifying agreement, creditor/debt-collector first payment and proper allocation. | S013 §310.4(a)(5)(i); S014 “Collecting Fees” | High—federal rule. Common context only; consumer savings deposit is not the specified creditor payment. |\n| **S_PA-P1-C040** | TSR dedicated-account allowance requires independent administration, insured institution, consumer ownership and seven-business-day penalty-free exit return less compliant fees. | S013 §310.4(a)(5)(ii) | High—federal text. Does not authorize Pennsylvania market entry or an administrator fee amount. |\n| **S_PA-P1-C041** | Current DoBS instructions require NMLS for DMS/DSS and direct status inquiries to Consumer Access; current checklist/provider records were not retrieved. | S007 “Debt Servicers,” concluding NMLS instructions; S021–S029 | High—procedure read; **held—specific current provider authorization/package**. |\n| **S_PA-P1-C042** | DMS referral compensation, related-entity payments, consumer enrollment incentives and delegation to applicable unlicensed persons are restricted. | S002 §14(16)–(18), (22), (24); S001 §§102, 301 | High—text; no categorical conclusion for an unspecified advertising arrangement. |\n| **S_PA-P1-C043** | Credit-improvement/credit-obtaining services and loan brokering can trigger distinct CSA rules, including performance/bond conditions and loan-broker advance-fee prohibition. | S015 §§2–3, 7–8, 12 | Boundary verified. Full professional/credit-repair/loan-broker authorization and fee review remain open. |\n| **S_PA-P1-C044** | Transmission/account administration requires a separate activity/exemption analysis; current MTA §§2–3, 12 and DMSA’s limited §21 exemption matter. | S018 §§2–3, 12; S002 §21; S001 §2103 | High selected text; hybrid account arrangements and full transmission rules not cleared. |\n| **S_PA-P1-C045** | The 2018 RAM order addresses alleged unlicensed settlement-account transmission and rejected claimed bank-agent exemption on those facts. | S020 ¶¶4–11, 20–21 | Historical, party-specific, no admission. No present license or universal interpretation inferred. |\n\n## D. Worked examples and coverage/gap table\n\n### D1. Plain-text worked examples\n\n**Common assumptions:** These are hypothetical calculations, not provider approvals. Where a lawful DMS/DSS pathway is assumed, the correct license or actual exemption, disclosures, agreement, service requirements and independently applicable federal conditions must all be satisfied. Percentages chosen below are contract assumptions, not Pennsylvania statutory maxima.\n\n#### Example 1 — Lower-debt DMP; conservative chosen charges, not a claimed current ceiling\n\nAssume two personal-debt accounts of $400 and $600, a beneficial six-month DMP, a $30 consultation charge, a chosen monthly rate of $5 per initially included account, and a $12.50 actual credit-report cost.\n\nPlain text\n```\nInputs: 2 initially included accounts; 6 months.\nDebt context: $400 + $600 = $1,000. Debt dollars are not the monthly fee base.\n\nMonthly fee base: 2 accounts.\nOperator: 2 accounts × $5/account/month.\nIntermediate/result: $10/month.\n\nPrinted statutory-base comparison only:\nmin(2 × $10, $50) = $20/month.\nThe chosen $10 charge is below this printed base; the exact indexed maximum is held.\n\nProgram arithmetic:\n$30 consultation + (6 × $10 monthly) + $12.50 actual report cost\n= $30 + $60 + $12.50\n= $102.50 total assumed consumer charges.\n\nUnits: USD.\nRounding: exact cents; no rounding adjustment.\n```\n\nIf one account is paid off, §15(b)’s statutory account count still refers to accounts **initially included**; the contract may nevertheless require a lower charge. If the required benefit analysis finds this low-debt consumer would not benefit, the provider may not offer the DMP merely because the arithmetic fits the fee structure. **[C020–C023, C027]**\n\n#### Example 2 — Partial DMP payment cannot fund the provider first\n\nPlain text\n```\nInputs: $300 scheduled creditor payments; $10 monthly provider fee.\nConsumer pays only $180.\n\nBase available: $180.\nPriority operation: creditor payments before provider fee.\nProvider-fee draw while the required creditor payments remain unsatisfied: $0.\n\nImproper alternative:\n$180 − $10 fee = $170 for creditors.\nThat reverses the statutory priority.\n\nUnits: USD.\nRounding: none.\n```\n\nThe statute separately permits specified delay when funds are insufficient for designated creditors. That does not turn the partial payment into money available first for the provider’s fee. **[C028]**\n\n#### Example 3 — Previously charged counseling followed by a DMP\n\nPlain text\n```\nInputs: $75 counseling fee; counseling began June 1.\nSame provider's DMP agreement begins August 15.\n\nTiming: August 15 is within four months of June 1.\nRefund base: entire prior education/counseling fee.\nOperator: $75 × 100%.\nRequired refund: $75.00.\n\nAdditional DMP education fee under §15(f): $0.\nUnits: USD.\nRounding: none.\n```\n\nThis demonstrates the refund obligation if the earlier fee was collected. It does not independently approve the original standalone fee under every other law. **[C025–C026]**\n\n#### Example 4 — One debt settled; proportional fee and a previous lawful payment\n\nAssume a disclosed $4,000 total program fee and enrollment balances of $2,000 and $18,000. Only the $2,000 debt has been settled for $800 and paid.\n\nPlain text\n```\nTotal enrollment debt: $2,000 + $18,000 = $20,000.\nQualifying debt fraction: $2,000 ÷ $20,000 = 0.10.\nAllocated fee: $4,000 × 0.10 = $400.00.\n\nUnresolved debt's allocation:\n$4,000 − $400 = $3,600.\nThat $3,600 is not earned by settling the first debt.\n\nAssume $150 of the $400 was already lawfully paid after the trigger:\nRemaining collectible allocation = $400 − $150 = $250.00.\n\nUnits: USD; fraction is dimensionless.\nRounding: exact cents.\n```\n\nA $4,000 total fee is an example input, not a legal maximum or an approval of that contract. If the previous $150 was taken before the earning conditions, this example does not cure that earlier receipt. **[C031, C033–C034, C039]**\n\n#### Example 5 — Savings fee; enrollment balance controls\n\nThis is an **alternative fee contract**, not an additional charge on top of Example 4. Assume a consistent 25% savings rate.\n\nPlain text\n```\nDebt A enrollment balance: $2,000.\nLater balance before settlement: $2,300.\nAmount actually paid to satisfy Debt A: $800.\n\nCorrect savings base: $2,000 − $800 = $1,200.\nFee: $1,200 × 0.25 = $300.00.\n\nUsing the later $2,300 balance would produce:\n($2,300 − $800) × 0.25 = $375.\nThat substitutes the wrong statutory starting balance.\n\nDebt B enrollment balance: $18,000.\nAmount actually paid to satisfy Debt B: $9,000.\nSavings: $18,000 − $9,000 = $9,000.\nSame percentage: $9,000 × 0.25 = $2,250.00.\n\nUnits: USD.\nRounding: exact cents.\n```\n\nThe 25% is assumed, not a verified statutory ceiling. Before the applicable settlement/payment conditions occur, these calculations do not permit fee receipt—and, where TSR applies, do not permit a request for payment. **[C032–C033, C039]**\n\n#### Example 6 — Settlement cancellation; only earned unpaid fees deducted\n\nPlain text\n```\nCurrent consumer account principal: $1,200.\nAccrued interest: $2.\nConsumer-owned total: $1,202.\n\nCompliant earned fee allocation: $400.\nPreviously paid portion: $150.\nUnpaid earned portion: $400 − $150 = $250.\n\nReturn calculation: $1,202 − $250 = $952.00.\n\nIf no fee had been earned under the required conditions:\nReturn = $1,202.00.\n\nUnits: USD.\nRounding: exact cents.\n```\n\nNo unresolved-debt fee or cancellation penalty is deducted. Pennsylvania’s operative seven-day wording and disclosure’s seven-business-day wording remain separately recorded; federal seven-business-day timing does not enlarge the state operative text. **[C033, C035–C036, C040]**\n\n#### Example 7 — DMP cancellation and undisbursed money\n\nPlain text\n```\nUndisbursed consumer money: $500.\nAccrued interest: $1.25.\nAssumed lawfully payable, unpaid DMP fee: $10.\n\nRefund base: $500 + $1.25 = $501.25.\nOperator: subtract only the authorized payable fee.\nRefund: $501.25 − $10 = $491.25.\n\nUnits: USD.\nRounding: exact cents.\n```\n\nThe refund must be prompt after the relevant termination; this example does not invent a fixed DMP seven-day deadline. The ten-day written-notice provision and actual contract/termination facts still matter. **[C029]**\n\n#### Example 8 — Business-debt pooling: no invented licensed fee\n\nPlain text\n```\nInputs: business debtor transfers $10,000 to an ordinary company.\nCompany will distribute it among specified trade creditors.\nProposed service fee: $500.\nAssumptions: no qualifying §7312 exception; no applicable statutory safe harbor.\n\nClassification:\nContract + debtor money + distribution among creditors + consideration\n= the debt-pooling elements on the stated facts.\n\nResult: prohibited-pathway finding.\nNo approved fee calculation is produced.\nThe $500 is not validated by calling the service \"commercial debt negotiation.\"\n```\n\nThe consumer licensing definitions do not supply a general commercial-pooling license. **[C006–C007, C013]**\n\n#### Example 9 — Noncustodial interest-only negotiation\n\nPlain text\n```\nInputs: $4,000 consumer card debt.\nService contemplates only interest reduction, no principal reduction.\nConsumer pays creditors directly; provider handles no payment funds.\nProposed unperformed upfront service charge: $100.\n\nState classification:\nDSSA principal-reduction element absent on these facts.\nDMS funds-receipt/distribution element absent on these facts.\nCovered DMP solicitation/procurement representations must still be checked.\n\nFederal boundary:\nIf the sales activity is covered telemarketing, interest-concession services\ncan be debt-relief services and the advance payment request is barred.\n\nResult: $100 charge remains unapproved.\nNo Pennsylvania licensed-fee scenario is invented.\n```\n\nCredit-services promises and the actual sales representations must also be examined. **[C005, C038–C039, C043]**\n\n### D2. Component coverage and exact remaining investigations\n\n| Scope item / issue | Status | Findings / claim IDs | Missing evidence and exact next investigation |\n| --- | --- | --- | --- |\n| **1 — DMS/DSS definitions, principal reduction versus concessions** | **Answered within stated facts** | C003–C005 | For a proposed model, apply actual promises, debt purpose and payment flow; no marketing-label shortcut. |\n| **1 — Consumer/business, custodial/noncustodial, resident/remote nexus** | **Answered, with hybrid boundaries** | C003–C007, C013, C044 | Mixed-purpose and provider-administered settlement-account arrangements require a specific statutory application. |\n| **2 — Ordinary DMP and consumer settlement license pathways** | **Answered** | C001, C003–C004, C015–C019 | Actual provider eligibility and issuance remain separate from existence of a pathway. |\n| **2 — Criminal pooling prohibition and exceptions** | **Answered at statutory level** | C006–C008 | Complete later case-law treatment of pooling and additional fund-handling models. |\n| **2 — Attorney exclusions** | **Partial** | C009–C011 | Locate published DoBS interpretations or controlling decisions reconciling DSSA §102 with §103(5), especially provider-paid and publicly marketed attorney arrangements. |\n| **2 — Nonprofit and institutional exclusions** | **Answered at statutory level** | C008–C012 | For a specific actor, verify actual charter, supervision, tax status, PA registration and qualifying activity. |\n| **2/3 — Incidental settlement by DMS licensee; extra success fee** | **Partial / fee held** | C014 | Locate post-2014 authoritative treatment of DSSA §103(4), §2103 and a separate fee for incidental settlement. The 2009 letter is insufficient alone. |\n| **3 — DMS fee bases and permitted categories** | **Answered** | C020–C026 | No additional ordinary DMP fee category established by the retrieved rules. |\n| **3 — Exact current adjusted consultation/per-account/monthly maxima** | **Unresolved / held** | C022 | Retrieve the applicable DoBS annual adjustment notice, operative period and rounding instructions; verify any necessary prior notice chain. Do not substitute a CPI calculation. |\n| **3 — Dishonored-payment charge application** | **Partial** | C024 | Find current interpretation/case law on “subsequent,” qualifying instruments and §4105’s posted-notice condition for remote arrangements. |\n| **3 — DSS allocation/savings methods and numerical ceiling** | **Answered within reviewed authority** | C030–C032 | Statute has no numerical cap; continue checking any specific provider condition or subsequently located binding order before implementing a fee. |\n| **4 — State performance/payment timing and federal distinction** | **Answered** | C027–C028, C033–C040 | Apply actual TSR jurisdiction/call facts. No state ceiling treated as advance-fee authorization. |\n| **4 — Installment settlement savings and failed-settlement true-up** | **Partial** | C032–C033, C039 | Locate authoritative §502(c)(3)(ii)/TSR treatment of remaining installments, failures and recalculation; worked savings examples deliberately use fully satisfied debts. |\n| **4 — Seven days versus seven business days** | **Unresolved interpretation** | C036 | Locate controlling interpretation of §502(a)(4) versus §502(d)(5), including applicable time-computation law. Preserve both texts meanwhile. |\n| **5 — Current regulator/NMLS direction** | **Answered** | C041 | S007 supplies substantive current instructions. |\n| **5 — Complete current application package/ancillary charges** | **Partial / held** | C015–C019, C041 | Retry public NMLS PA checklist/compiler routes for each relevant license class and branch requirement; read the actual current output. No filing or account change. |\n| **5 — Named-provider authorization** | **Unresolved / not established** | C041 | Obtain a readable public NMLS record; match exact legal entity, license type, Pennsylvania status, locations, conditions and dates. Brand advertising is insufficient. |\n| **6 — Lower-debt, partial-payment, partial-settlement, prior-fee and cancellation examples** | **Answered conditionally** | Examples 1–9 | Exact indexed-cap examples remain withheld. No example cures an unlawful earlier fee. |\n| **7 — Component evidence and next-pass tracking** | **Answered** | This table; B–C | Preserve these holds when integrating the component into the larger dossier. |\n\n### D3. Remaining Pennsylvania dossier categories\n\n| Later required investigation | Status after PASS-01 | Exact continuation |\n| --- | --- | --- |\n| Full agreements, disclosures, signatures and cancellation architecture | **Open; only fee-relevant provisions addressed** | Complete every required term, delivery, language, amendment, notice and electronic-signature requirement. |\n| Funds, trust accounts, administration, money transmission, bond and insurance | **Open; entry/fee boundaries only** | Complete fund-flow classification, current transmission regulations, trust operations, bond forms/claims and insurance conditions, including the 2025 amendments. |\n| Remedies, penalties, refunds, enforcement and private rights | **Open** | Analyze statutory remedies, UTPCPL interaction, standing, damages and enforcement procedure; voidability alone does not complete this work. |\n| Full debt-collection regulation | **Open** | Investigate creditor/debt-buyer/collector conduct, licensing and state/federal collection restrictions. |\n| Litigation and judgment enforcement | **Open** | Court jurisdiction, service, pleadings, proof, judgments, execution and post-judgment procedure. |\n| Limitations, accrual, revival and acknowledgment | **Open** | Debt-specific limitations rules and controlling decisions. |\n| Property, wage, bank-account and bankruptcy-related exemptions | **Open** | Separate asset/execution exemptions from the provider-entity exclusions addressed here. |\n| Secured debt | **Open** | Mortgages, foreclosure, vehicle debt, repossession, security interests and applicable assistance-service rules. |\n| Sector-specific debt | **Open** | Student, medical, tax, public-benefit, utility and other sector-specific rules. |\n| Local law | **Open** | Applicable municipal/county requirements and preemption. |\n| Tribal issues | **Open** | Sovereignty, jurisdiction, enforceability and relevant controlling authority. |\n| Contract, arbitration and choice of law | **Open** | Enforceability, fee contracts, professional retainers, choice-of-law limits and arbitration. |\n| Complete case-law/current-status investigation | **Open** | Complete citator/docket work, later treatment of historical decisions and current controlling interpretations. |\n| **Pennsylvania state completion / A066 acceptance** | **Not accepted or implied** | Requires the remaining passes and resolution or explicit retention of material holds. |\n\n## E. Researcher self-check\n\n**Actually read:** The operative classification, licensing, exclusion, fee, timing and limited custody provisions identified in B; the complete relevant DMSA §15 and DSSA §502 language; the complete current Chapter 57 and its relevant final adoption order/annex; the official 2009 and 2014 letters; relevant 2026 catalog entries; current agency procedural/accreditation material; §7312 and the incorporated bad-check charge provision; and the exact federal TSR provisions materially used.\n\n**Judicial evidence:** The 2010 and 2011 judicial texts were actually read through reproduced court-opinion PDFs after official court-host routes failed. Their procedural posture and limited holdings are preserved. No complete post-remand docket history or comprehensive current citator result is claimed.\n\n**Not verified:** Exact current indexed DMP amounts; complete current NMLS application/checklist contents and ancillary charges; any named provider’s current authorization; and the identified attorney, incidental-fee, hybrid-account, installment-calculation and deadline interpretations. Empty directory results were not treated as proof that relevant documents do not exist.\n\n**Status discipline:** Historical implementation letters were distinguished from current statutes and adopted rules. The 2010 ruling was not expanded to invalidate the DMSA generally. The 2011 appellate disposition was not described as a merits affirmance. No future-effective proposal was used as current permission, and no blanket finding concerning stays, vacatur or withdrawal of every potentially relevant authority is claimed.\n\n**Method and arithmetic:** Research used public-web retrieval in this conversation. No separate Chat session, model-selector change or independent review is claimed; the ChatGPT UI’s requested “actualGPT6Pro” label was not independently verified. The example arithmetic was checked. This is the researcher’s own self-check, **not independent review**.\n\n**END S_PA PASS-01**\n\n","tables":[{"headers":["Actual model or conduct","Classification and access consequence","Claims / controlling provisions"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Actual model or conduct","Classification and access consequence","Claims / controlling provisions"],["Periodically receiving a consumer’s money and distributing it to creditors toward personal debts","Debt-management services. This includes a conventional custodial DMP, whether creditors grant interest/fee concessions or receive full principal. A DMSA license is required unless an applicable exemption exists.","C003; S002 §§2–4"],["Acting between an individual and unsecured creditors, with contemplated concessions involving principal reduction on at least one personal, family or household debt","Debt-settlement services. For-fee marketing, solicitation, offers and provision fall within the licensing rule. Custody of client funds is not a prerequisite.","C004; S001 §§102, 301"],["Negotiating only interest rates, fees or payment schedules, with no contemplated principal reduction and no receipt/distribution of consumer funds","Does not meet the DSSA’s principal-reduction definition or the DMSA’s funds-distribution definition on those facts. Representations that the business will obtain or procure a DMP can still implicate DMSA §3(a). Federal debt-relief coverage and adjacent credit-services rules require separate analysis.","C005, C038, C043"],["Standalone budgeting or financial-literacy counseling","The label “credit counseling” does not itself establish DMSA coverage. Actual DMP services and representations matter. Paid credit-improvement or credit-obtaining promises can implicate the Credit Services Act. Counseling supplied to a DMP consumer is subject to the DMSA’s no-separate-fee and refund rules.","C003, C005, C025–C026, C043"],["A contract under which a debtor pays another person, periodically or otherwise, to distribute money among specified creditors for consideration","Potential criminal debt pooling under 18 Pa.C.S. §7312. Its definition is broader than a consumer DMP and is not limited to unsecured or household debts. An exception or the compliant-DMSA-licensee safe harbor must be established.","C006–C007; S003; S002 §16(b)"],["Business-purpose debt negotiation without consumer-purpose debts","Outside the consumer-purpose definitions reviewed for DMSA/DSSA coverage. This does not establish a general exemption from Pennsylvania law. Business-purpose custodial pooling can still satisfy §7312.","C006, C013"],["A creditor directly adjusting only its own claim","On those limited facts, the creditor is not acting as an intermediary between the debtor and another creditor or receiving money for distribution among other creditors. This is an inference from the activity definitions, not a blanket statutory “self-creditor” exemption for affiliates or service companies.","C013"],["Lead generation, referral, marketing or outsourced enrollment","Marketing/solicitation can itself fall within the licensing triggers. DMSA referral-compensation and delegation prohibitions also matter. A publisher or affiliate cannot be classified solely by calling itself a “lead source.”","C004, C042"]]},{"headers":["Route","Actual conditions","Consequence and failure case"],"index":1,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Route","Actual conditions","Consequence and failure case"],["DMSA exemption from the entire Act","§4(a): supervised banking institutions or federally/state-chartered credit unions; judicial officers or court-order actors; government agencies/instrumentalities; employees of licensees or exempt persons; Pennsylvania-admitted attorneys providing legal services in an attorney-client relationship within normal legal practice.","The DMSA itself does not apply when the conditions are met. An unrelated company employing or contracting with an attorney does not thereby become the exempt attorney. Other applicable law remains separate. C009"],["DMSA exemption from licensing only","§4(b): Pennsylvania-licensed CPAs providing accounting services in an accountant-client relationship; qualifying licensed title insurers or their agents; mortgage lenders, brokers and loan correspondents licensed under 7 Pa.C.S. Ch.61.","These actors must still comply with the Act when offering, obtaining or providing covered DMS. The exemption does not remove consumer-fee requirements. C010"],["DSSA professional-service exclusions from the definition","§102 excludes actual legal services in a qualifying attorney-client relationship, accounting services in a qualifying CPA-client relationship, and financial-planning services in a relationship with a licensed member of that profession.","A professional affiliation or certificate is insufficient without the qualifying service and relationship. C011"],["DSSA attorney nonapplicability provision","§103(5): attorney acts as intermediary in normal legal practice, is not otherwise engaged in or holding out publicly as engaged in DSS, and is not compensated by a provider.","The provider-compensation disqualification expressly applies to this paragraph. The interaction between this paragraph and §102’s actual-legal-services exclusion must not be flattened into an automatic exemption or automatic disqualification for every attorney arrangement. C011"],["Other DSSA nonapplicability","§103, in regular business/professional course: judicial officer, court/administrative-order actor or assignee for creditors; specified banks, bank holding companies, subsidiaries, agents, affiliates, credit unions and chartered financial institutions; title insurer, escrow company or bill payer where DSS is incidental; DMSA licensee where DSS is incidental to DMS. Employees are included within the stated conditions. Governmental entities are also excluded from “person” in §102.","Each entity and activity condition must be proved. “Incidental” is not a general license to operate a principal settlement business. C012, C014"]]},{"headers":["Fee or charge","Verified statutory structure","Currentness and conditions"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Fee or charge","Verified statutory structure","Currentness and conditions"],["Initial consultation","Printed base ceiling $50, provided the consultation includes the consumer-education program.","Exact adjusted ceiling held. This is not a separate $50 education fee plus a $50 setup fee. §§14(1), 15(a), (f), (g). C020, C025, C027"],["Monthly maintenance","Printed base formula: lesser of $10 × accounts initially included, or $50 per month.","Exact adjusted per-account and monthly amounts held. The statutory count is initially included accounts, not necessarily the number remaining. §15(b). C021–C022"],["Credit report","Actual cost of requesting the consumer’s credit report.","No markup or invented flat allowance is established by §15(d). C023"],["Dishonored payment instrument","§15(c) permits a fee for a subsequent dishonored check/instrument, bounded by the service charge permitted under 18 Pa.C.S. §4105.","§4105(e)(3) states $50, or actual financial-institution charges if those exceed $50, and includes a conspicuously displayed written-notice condition. Application to a first returned item, particular ACH transaction or remote-notice arrangement remains held. C024"],["Education/counseling supplied to a DMP consumer","No separate education/counseling charge.","If separately charged education/counseling is followed by a DMP with the same licensee within four months of beginning that education/counseling, the prior fee must be refunded. §15(f). C025–C026"],["Consumer contributions and other add-ons","§15(e) prohibits requiring or accepting consumer contributions for regulated plan services, subject to its regulatory wording; §15(h) limits charges to those authorized by statute or regulation.","No current rule authorizing a donation surcharge, extra enrollment charge, percentage-of-debt charge or settlement-success add-on for ordinary DMS was verified. C025"]]},{"headers":["Method","Verified base and operation","Important limitations"],"index":3,"links":[],"row_links":[[],[],[]],"rows":[["Method","Verified base and operation","Important limitations"],["Proportional allocation","Fee for the qualifying debt = agreed total program fee × that debt’s enrollment balance ÷ total enrollment debt balance.","Both balances are measured when enrolled. One completed debt does not release the fee allocated to unresolved debts. C031"],["Percentage of savings","Fee for the debt = consistent agreed percentage × (amount owed at enrollment − amount actually paid to satisfy that debt).","The percentage cannot change from one individual debt to another. Later interest/fees do not replace the enrollment balance. C032"]]},{"headers":["Issue","Pennsylvania DSSA","Federal TSR, when applicable"],"index":4,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Issue","Pennsylvania DSSA","Federal TSR, when applicable"],["Ownership and account","Bank account solely in client’s name; client owns funds and accrued interest.","Account at insured financial institution; customer owns funds and interest."],["Administrator independence","§502(d)(3) imposes independence if the provider does not administer the account. The state wording does not itself categorically prohibit provider administration.","§310.4(a)(5)(ii)(C) requires an administrator not owned, controlled by or affiliated with the debt-relief service."],["Referral compensation","Account administrator may not give or accept compensation for referrals by the provider.","Corresponding referral-compensation prohibition."],["Withdrawal","At any time without penalty; subtract only fees earned in compliance.","At any time without penalty; subtract only compliant earned fees."],["Return deadline","Operative §502(d)(5): seven days. Required disclosure in §502(a)(4): seven business days.","Seven business days."]]},{"headers":["DMSA pathway","DSSA pathway"],"index":5,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["DMSA pathway","DSSA pathway"],["Application information includes ownership/control, Pennsylvania process agent, audited financial statement, liability/fidelity insurance, standard agreement, trust-account information, consumer-education materials, certification information/plan, acceptable independent accreditation and bond.","Application includes ownership/control and affiliated-service interests, Pennsylvania process agent, insurance, standard agreement, bond and proof of authority to conduct business in Pennsylvania."],["Bond must exceed the maximum Pennsylvania consumer funds held directly or in trust.","Statutory bond amount is $25,000."],["§10.1 requires denial to an applicant offering payday loans.","Fitness, compliance, financial-condition and criminal-background provisions apply."],["Current 10 Pa. Code Ch.57 requires 16 continuing-education hours every two years, including at least one ethics hour, through the specified registered certifying-organization structure.","No comparable DSS counselor-education requirement is inferred from the DMS regulation."],["License generally runs one year on the Department’s schedule.","License period may not exceed 14 months on the Department’s schedule."]]},{"headers":["License","Statutory or verified historical government charge","Limit"],"index":6,"links":[],"row_links":[[],[],[],[],[]],"rows":[["License","Statutory or verified historical government charge","Limit"],["DMS, ordinary applicant","$2,000 initial; $1,250 renewal","Statutory §§5(14), 9(a). Current ancillary NMLS charges not verified."],["DMS, qualifying registered nonprofit below the statutory revenue threshold","$500 initial; $350 renewal","§6 conditions must be met."],["DSS, ordinary applicant","$2,500 initial established in the October 2014 official letter; $1,250 renewal in §309(a)","Initial amount is historically verified but not reverified against a readable current NMLS checklist."],["DSS, qualifying registered nonprofit below the statutory revenue threshold","$500 initial; $350 renewal","§304 conditions must be met."]]},{"headers":["Unique source ID","Title / issuer and direct literal URL","Exact passages, version/status and 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OFFENSES"}],[{"href":"https://www.pacodeandbulletin.gov/Display/pacode?d&file=%2Fsecure%2Fpacode%2Fdata%2F010%2Fchapter57%2Fchap57toc.html&utm_source=chatgpt.com","text":"https://www.pacodeandbulletin.gov/Display/pacode?d=&file=/secure/pacode/data/010/chapter57/chap57toc.html"},{"href":"https://www.pacodeandbulletin.gov/Display/pacode?d=&file=%2Fsecure%2Fpacode%2Fdata%2F010%2Fchapter57%2Fchap57toc.html&utm_source=chatgpt.com","text":"pacodeandbulletin.gov"}],[{"href":"https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol45/45-4/45-4.pdf?utm_source=chatgpt.com","text":"https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol45/45-4/45-4.pdf"},{"href":"https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol45/45-4/45-4.pdf?utm_source=chatgpt.com","text":"pacodeandbulletin.gov\n+2"}],[{"href":"https://www.pa.gov/agencies/dobs/non-bank-licensees?utm_source=chatgpt.com","text":"https://www.pa.gov/agencies/dobs/non-bank-licensees"},{"href":"https://www.pa.gov/agencies/dobs/non-bank-licensees?utm_source=chatgpt.com","text":"Commonwealth of Pennsylvania\n+2"}],[{"href":"https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/10%201%2014%20secretary_s%20letter%20re_%20dssa.pdf?utm_source=chatgpt.com","text":"https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/10%201%2014%20secretary_s%20letter%20re_%20dssa.pdf"},{"href":"https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/10%201%2014%20secretary_s%20letter%20re_%20dssa.pdf?utm_source=chatgpt.com","text":"pa.gov"}],[{"href":"https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/debt%20management%20act%20secy%20letter%20010809.pdf?utm_source=chatgpt.com","text":"https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/debt%20management%20act%20secy%20letter%20010809.pdf"},{"href":"https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/debt%20management%20act%20secy%20letter%20010809.pdf?utm_source=chatgpt.com","text":"21822_1.DOC"}],[{"href":"https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol56/56-31/1110.html?utm_source=chatgpt.com","text":"https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol56/56-31/1110.html"},{"href":"https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol56/56-31/1110.html?utm_source=chatgpt.com","text":"pacodeandbulletin.gov\n+2"}],[{"href":"https://cases.justia.com/pennsylvania/commonwealth-court/69md09_2-25-10.pdf?ts=1462437603&utm_source=chatgpt.com","text":"https://cases.justia.com/pennsylvania/commonwealth-court/69md09_2-25-10.pdf?ts=1462437603"},{"href":"https://www.pacourts.us/assets/opinions/Commonwealth/out/69MD09_2-25-10.pdf","text":"https://www.pacourts.us/assets/opinions/Commonwealth/out/69MD09_2-25-10.pdf"},{"href":"https://cases.justia.com/pennsylvania/commonwealth-court/69md09_2-25-10.pdf?ts=1462437603&utm_source=chatgpt.com","text":"69MD09.doc"}],[{"href":"https://cases.justia.com/pennsylvania/supreme-court/J-56A%26B-2011mo.pdf?ts=1462440611&utm_source=chatgpt.com","text":"https://cases.justia.com/pennsylvania/supreme-court/J-56A%26B-2011mo.pdf?ts=1462440611"},{"href":"https://www.pacourts.us/assets/opinions/Supreme/out/J-56A%26B-2011mo.pdf","text":"https://www.pacourts.us/assets/opinions/Supreme/out/J-56A%26B-2011mo.pdf"},{"href":"https://cases.justia.com/pennsylvania/supreme-court/J-56A%26B-2011mo.pdf?ts=1462440611&utm_source=chatgpt.com","text":"cases.justia.com"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com","text":"ecfr.gov\n+3"}],[{"href":"https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business?utm_source=chatgpt.com","text":"https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business"},{"href":"https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business?utm_source=chatgpt.com","text":"Federal Trade Commission\n+1"}],[{"href":"https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/1992/0/0150..HTM?utm_source=chatgpt.com","text":"https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/1992/0/0150..HTM"},{"href":"https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/1992/0/0150..HTM?utm_source=chatgpt.com","text":"CREDIT SERVICES ACT\n+2"}],[{"href":"https://www.pacodeandbulletin.gov/secure/pacode/data/010/010toc.html?utm_source=chatgpt.com","text":"https://www.pacodeandbulletin.gov/secure/pacode/data/010/010toc.html"},{"href":"https://www.pacodeandbulletin.gov/secure/pacode/data/010/010toc.html?utm_source=chatgpt.com","text":"pacodeandbulletin.gov"}],[{"href":"https://www.pa.gov/agencies/dobs/non-bank-licensees/debt-management-services-accreditation-providers?utm_source=chatgpt.com","text":"https://www.pa.gov/agencies/dobs/non-bank-licensees/debt-management-services-accreditation-providers"},{"href":"https://www.pa.gov/agencies/dobs/non-bank-licensees/debt-management-services-accreditation-providers?utm_source=chatgpt.com","text":"Commonwealth of Pennsylvania"}],[{"href":"https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/1965/0/0249..HTM?utm_source=chatgpt.com","text":"https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/1965/0/0249..HTM"},{"href":"https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/1965/0/0249..HTM?utm_source=chatgpt.com","text":"MONEY TRANSMISSION BUSINESS LICENSING LAW"}],[{"href":"https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/non-bank-licensees/forms/non-bank%20licensee%20act%207%20letter%20081225.pdf?utm_source=chatgpt.com","text":"https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/non-bank-licensees/forms/non-bank%20licensee%20act%207%20letter%20081225.pdf"},{"href":"https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/non-bank-licensees/forms/non-bank%20licensee%20act%207%20letter%20081225.pdf?utm_source=chatgpt.com","text":"pa.gov"}],[{"href":"https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/enforcement-orders/2018/092118_ram.pdf?utm_source=chatgpt.com","text":"https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/enforcement-orders/2018/092118_ram.pdf"},{"href":"https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/enforcement-orders/2018/092118_ram.pdf?utm_source=chatgpt.com","text":"pa.gov\n+1"}]],"rows":[["Unique source ID","Title / issuer and direct literal URL","Exact passages, version/status and limitations"],["S_PA-P1-S001","Debt Settlement Services Act, Act 118 of 2014, Pennsylvania General Assembly. https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2014/0/0118..HTM — Act metadata: https://www.palegis.us/statutes/unconsolidated/law-information?actNum=0118&sessInd=0&sessYr=2014","Read: §§102–103, 301–310, 313, 501–502, 2102–2104, including complete relevant fee/account language. Enacted July 9, 2014; phased effectiveness under §2104; core operating rules January 1, 2015. Metadata reported no amending legislation found. Pennsylvania controlling statutory text; no comprehensive citator certification. \nENACTMENT\n+2"],["S_PA-P1-S002","Debt Management Services Act, Act 117 of 2008, Pennsylvania General Assembly. https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117..HTM — Same-document §14 view: https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117.000.000.014.000..HTM — Metadata: https://www.palegis.us/statutes/unconsolidated/law-information?actNum=0117&sessInd=0&sessYr=2008","Read: definitions, licensing/exclusions, application/renewal provisions; §§10.1, 14–16, 21, 48–50. Complete §15 read. Effective February 6, 2009. The displayed enactment contains DSS language displaced by S001 §2103. The separate history route https://www.palegis.us/statutes/unconsolidated/chron-history?ACTNUM=117&SESSIND=0&SESSYR=2008 failed; identified repeal/cases were checked separately. \nENACTMENT\n+4"],["S_PA-P1-S003","18 Pa.C.S. §7312, Debt pooling, Pennsylvania General Assembly. https://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/18/00.073..HTM","Read: complete §7312(a)–(c), including all express exceptions and definitions. Current official chapter text; source note identifies Act 70 of December 18, 2007, effective immediately, for the amendment to exceptions. Not a general debt-collection-law review. \nCRIMES AND OFFENSES"],["S_PA-P1-S004","18 Pa.C.S. §4105, Bad checks, Pennsylvania General Assembly. https://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/18/00.041.005.000..HTM","Read: §4105(e), especially (e)(3), and amendment notes. Current official $50/actual-higher-bank-charge text and posted-notice language. This is the criminal-cost provision incorporated by DMSA §15(c); remote-payment application is not fully resolved. \nCRIMES AND OFFENSES"],["S_PA-P1-S005","10 Pa. Code Chapter 57, Debt Management Services Continuing Education, DoBS / Pennsylvania Code. https://www.pacodeandbulletin.gov/Display/pacode?d=&file=/secure/pacode/data/010/chapter57/chap57toc.html","Read: complete chapter, §§57.1, 57.11–.13, 57.21–.24, 57.31–.33. Adopted January 23, effective January 24, 2015, 45 Pa.B.408. Current retrieved codification. Education/verification rule, not a consumer-fee schedule. \npacodeandbulletin.gov"],["S_PA-P1-S006","Debt Management Services Continuing Education—final rulemaking, DoBS, 45 Pa.B.408–411, Doc.15-126. https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol45/45-4/45-4.pdf","Read: relevant final-rule article, order and Annex A, printed pp.408–411, PDF pages 8–11. Effective upon publication January 24, 2015; no sunset stated. Distinguished from the 2014 proposal. The individual HTML route ending /126.html failed, but the official issue PDF supplied the text. \npacodeandbulletin.gov\n+2"],["S_PA-P1-S007","Non-Bank Licensees, Pennsylvania DoBS. https://www.pa.gov/agencies/dobs/non-bank-licensees","Read: “Debt Servicers,” “Debt Management Services Regulations,” “Credit Services Loan Brokers,” “Money Transmitters,” and concluding NMLS/Consumer Access instructions. Current operational directions; not independent statutory permission or evidence of any named license. \nCommonwealth of Pennsylvania\n+2"],["S_PA-P1-S008","October 1, 2014 letter to entities engaged in debt settlement, Secretary of Banking and Securities. https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/10%201%2014%20secretary_s%20letter%20re_%20dssa.pdf","Read: all three pages; coverage/transition pp.1–2; NMLS forms and bond p.2; government fees/renewal p.3. Historical implementation guidance. $2,500 initial ordinary-provider fee verified for that issuance; current checklist reconfirmation held. \npa.gov"],["S_PA-P1-S009","January 8, 2009 DMSA implementation letter, Secretary of Banking. https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/debt%20management%20act%20secy%20letter%20010809.pdf","Read: four pages; effective date/nexus p.1; licensing p.2; “Permissible Fees,” anticipated education and old settlement restrictions p.3; other-statute discussion p.4. Historical. Its promised annual Bulletin fee notices do not supply the missing current figures; its old settlement prohibition is superseded as described above. \n21822_1.DOC"],["S_PA-P1-S010","Catalog of Nonregulatory Documents, Governor’s Office, 56 Pa.B.4699, August 1, 2026, Doc.26-1110. https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol56/56-31/1110.html","Read: catalog introduction and DoBS entries, including Secretary’s Letters and interpretive/guidance descriptions. Catalog aims at documents in effect July 2, 2026, with an accuracy qualification; it also identifies historical letters. Listing an old letter does not reenact it. No operative current DMP fee-adjustment amount was obtained. \npacodeandbulletin.gov\n+2"],["S_PA-P1-S011","United States Organizations for Bankruptcy Alternatives, Inc. v. Department of Banking, 991 A.2d 370 (Pa. Cmwlth. 2010), No.69 M.D.2009, February 25, 2010. Court opinion reproduced at https://cases.justia.com/pennsylvania/commonwealth-court/69md09_2-25-10.pdf?ts=1462437603","Read: opinion/order; controlling discussion slip pp.6–8; order at PDF p.9. Official route https://www.pacourts.us/assets/opinions/Commonwealth/out/69MD09_2-25-10.pdf failed. Primary judicial text read through a third-party host. Historical partial constitutional ruling; later final docket disposition not verified. \n69MD09.doc"],["S_PA-P1-S012","United States Organizations for Bankruptcy Alternatives, Inc. v. Department of Banking, 26 A.3d 474 (Pa. 2011), Nos.13 & 16 MAP 2010, August 15, 2011. https://cases.justia.com/pennsylvania/supreme-court/J-56A%26B-2011mo.pdf?ts=1462440611","Read: opinion, especially pp.8–11 and p.10 n.5. Official route https://www.pacourts.us/assets/opinions/Supreme/out/J-56A%26B-2011mo.pdf failed. Both appeals quashed as interlocutory; no merits view. Primary judicial text on third-party host. \ncases.justia.com"],["S_PA-P1-S013","Telemarketing Sales Rule, 16 C.F.R. Part 310, FTC / eCFR. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","Read: §§310.2(o), (ee), (hh)–(ii); complete §310.4(a)(5); relevant §310.6(b) exceptions. One regulation ID reused across sections. Retrieved eCFR displayed currency through October 21, 2026. Federal common context, not Pennsylvania permission; website title-wide amendment date is not attributed to the fee subsection. \necfr.gov\n+3"],["S_PA-P1-S014","Debt Relief Services & the Telemarketing Sales Rule: A Guide for Business, FTC staff. https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business","Read: “Who’s Covered by the New Rule,” “Collecting Fees,” “Requiring A Dedicated Account,” relevant examples. Expressly nonbinding staff guidance. Used to corroborate fee collection/account distinctions; no Pennsylvania authorization or administrator-fee ceiling inferred. \nFederal Trade Commission\n+1"],["S_PA-P1-S015","Credit Services Act, Act 150 of 1992, Pennsylvania General Assembly. https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/1992/0/0150..HTM","Read: §§2–3, relevant §7, §8, §§9, 12–13. Definitions, professional/institutional exclusions, performance/bond structure and loan-broker advance-fee prohibition. §13 provides immediate effectiveness for specified provisions and six months for the remainder. Used only for adjacent classification; full credit-repair/loan-broker rules not cleared. \nCREDIT SERVICES ACT\n+2"],["S_PA-P1-S016","Title 10 Pennsylvania Code contents, Legislative Reference Bureau. https://www.pacodeandbulletin.gov/secure/pacode/data/010/010toc.html","Read: relevant banking/consumer-credit chapter listings. Discovery/current-codification cross-check; no separate DSS fee-cap regulation found there. A table of contents is not proof that no relevant order or interpretation exists. \npacodeandbulletin.gov"],["S_PA-P1-S017","Debt Management Services Accreditation Providers, Pennsylvania DoBS. https://www.pa.gov/agencies/dobs/non-bank-licensees/debt-management-services-accreditation-providers","Read: approved accreditation and counselor-certification sections and linked form descriptions. Current operational list, undated legal effectiveness; does not license a provider merely because it uses a listed organization. \nCommonwealth of Pennsylvania"],["S_PA-P1-S018","Money Transmission and Virtual Currency Transmission Business Licensing Law, Act 249 of 1965, Pennsylvania General Assembly. https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/1965/0/0249..HTM","Read: selected current compiled §§1–3 and 12, including June 27, 2025 amendment annotations. Initial retrieval timed out; subsequent retrieval succeeded. Used for custody/administrator boundaries only. Full transmission compliance and application requirements remain later work. \nMONEY TRANSMISSION BUSINESS LICENSING LAW"],["S_PA-P1-S019","Pennsylvania Money Transmitter Act Amendments, Pennsylvania DoBS, 2025 notice. https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/non-bank-licensees/forms/non-bank%20licensee%20act%207%20letter%20081225.pdf","Read: single page. Agency reports Act 7’s June 27, 2025 signing and August 26, 2025 effectiveness, concurrent rescission of prior virtual-currency policy, and NMLS procedure. Guidance supports the need to account for the 2025 change; full amending-act retrieval failed at S030. \npa.gov"],["S_PA-P1-S020","Reliant Account Management, LLC—Consent Agreement and Order, Pennsylvania DoBS, filed September 21, 2018. https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/enforcement-orders/2018/092118_ram.pdf","Read: operative text pp.1–4, particularly ¶¶4–11, 13–14, 20–21; six-page file includes signature/redaction pages. ¶20 makes effectiveness turn on docketing. Historical, party-specific consent order without admission; no current provider-status conclusion. \npa.gov\n+1"]]},{"headers":["Unique source ID","Attempted document / literal route","Actual result on October 23, 2026 Pacific"],"index":8,"links":[{"href":"https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=PA&utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=PA"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=PA","text":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=PA"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx?utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx"},{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-DM-New_Application-Checklist.pdf?utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-DM-New_Application-Checklist.pdf"},{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-DML-New_Application-Checklist.pdf?utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-DML-New_Application-Checklist.pdf"},{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-Debt_Settlement_DN-Company-New-App-Checklist.pdf?utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-Debt_Settlement_DN-Company-New-App-Checklist.pdf"},{"href":"https://www.nmlsconsumeraccess.org/","text":"https://www.nmlsconsumeraccess.org/"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx?utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx"},{"href":"https://www.pa.gov/agencies/dobs/forms-and-applications?utm_source=chatgpt.com","text":"https://www.pa.gov/agencies/dobs/forms-and-applications"},{"href":"https://www.pa.gov/agencies/dobs/statutes/secretary-s-letters?utm_source=chatgpt.com","text":"https://www.pa.gov/agencies/dobs/statutes/secretary-s-letters"},{"href":"https://www.pa.gov/agencies/dobs/statutes/interpretations-and-releases?utm_source=chatgpt.com","text":"https://www.pa.gov/agencies/dobs/statutes/interpretations-and-releases"},{"href":"https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2025/0/0007..HTM","text":"https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2025/0/0007..HTM"}],"row_links":[[],[{"href":"https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=PA&utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=PA"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=PA","text":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=PA"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx?utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-DM-New_Application-Checklist.pdf?utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-DM-New_Application-Checklist.pdf"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-DML-New_Application-Checklist.pdf?utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-DML-New_Application-Checklist.pdf"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-Debt_Settlement_DN-Company-New-App-Checklist.pdf?utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-Debt_Settlement_DN-Company-New-App-Checklist.pdf"}],[{"href":"https://www.nmlsconsumeraccess.org/","text":"https://www.nmlsconsumeraccess.org/"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx?utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx"}],[{"href":"https://www.pa.gov/agencies/dobs/forms-and-applications?utm_source=chatgpt.com","text":"https://www.pa.gov/agencies/dobs/forms-and-applications"}],[{"href":"https://www.pa.gov/agencies/dobs/statutes/secretary-s-letters?utm_source=chatgpt.com","text":"https://www.pa.gov/agencies/dobs/statutes/secretary-s-letters"}],[{"href":"https://www.pa.gov/agencies/dobs/statutes/interpretations-and-releases?utm_source=chatgpt.com","text":"https://www.pa.gov/agencies/dobs/statutes/interpretations-and-releases"}],[{"href":"https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2025/0/0007..HTM","text":"https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2025/0/0007..HTM"}]],"rows":[["Unique source ID","Attempted document / literal route","Actual result on October 23, 2026 Pacific"],["S_PA-P1-S021","NMLS Pennsylvania license requirements: https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=PA","Redirected to https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=PA with no usable substantive text."],["S_PA-P1-S022","NMLS Checklist Compiler: https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","No readable checklist contents returned."],["S_PA-P1-S023","Indexed PA debt-management new-application checklist: https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-DM-New_Application-Checklist.pdf","Search discovery only for checklist contents; opening redirected to a generic NMLS resource page with no operative PDF text."],["S_PA-P1-S024","Indexed PA DML new-application checklist: https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-DML-New_Application-Checklist.pdf","Opening redirected to generic NMLS home with no text. An indexed historical date is not treated as a freshly read or current version."],["S_PA-P1-S025","Indexed PA DSS “DN” company checklist: https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-Debt_Settlement_DN-Company-New-App-Checklist.pdf","Operative document inaccessible. Checklist class, requirements and current fee package not certified from the filename/snippet."],["S_PA-P1-S026","NMLS Consumer Access: https://www.nmlsconsumeraccess.org/ ; resource route https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx","Main route returned an error/404; resource route returned no usable registry text. No named-provider license record was verified."],["S_PA-P1-S027","DoBS Forms & Applications: https://www.pa.gov/agencies/dobs/forms-and-applications","Page shell retrieved; dynamic results displayed no results. No complete current application packet obtained through it."],["S_PA-P1-S028","DoBS Secretary’s Letters directory: https://www.pa.gov/agencies/dobs/statutes/secretary-s-letters","Directory shell retrieved without a usable complete document list. S008–S009 were accessed separately by direct PDF URLs."],["S_PA-P1-S029","DoBS Interpretations and Releases directory: https://www.pa.gov/agencies/dobs/statutes/interpretations-and-releases","Directory shell retrieved without usable listed interpretations. This does not establish that no relevant interpretation exists."],["S_PA-P1-S030","Act 7 of 2025, attempted official full amending text: https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2025/0/0007..HTM","Full amending text inaccessible through this route. Selected amended provisions were actually read in S018; agency effective-date discussion read in S019."]]},{"headers":["Unique claim ID","Precise assertion","Sources / pinpoints","Conditions, currentness and confidence limits"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Unique claim ID","Precise assertion","Sources / pinpoints","Conditions, currentness and confidence limits"],["S_PA-P1-C001","DSSA supplies a separate settlement regime and repeals DMSA insofar as it applies to DSS; §§301/502 operate from January 1, 2015.","S001 §§2103–2104; S002 §50; S009 p.1","High—text. Legacy transactions require their own temporal analysis under §2102."],["S_PA-P1-C002","The 2010 ruling invalidated only specified former DSS regulatory/fee provisions; the 2011 Supreme Court decision quashed appeals without deciding merits.","S011 pp.6–8/order; S012 pp.8–11, n.5","High—read decisions. Final post-remand disposition not verified; no current DSSA invalidity inferred."],["S_PA-P1-C003","DMS is periodic receipt/distribution of consumer personal-debt payments; §3(a) also reaches specified advertising/procurement representations, without an express fee prerequisite.","S002 §§2, 3(a), 48","High—text. Pennsylvania activity/resident nexus applies; secured-debt issues otherwise open."],["S_PA-P1-C004","Covered DSS contemplates principal reduction of unsecured personal/family/household debt; fee-based marketing, solicitation, offers and provision to a PA resident require licensing absent exclusion.","S001 §§102, 103, 301","High—text. Residence measured when provider agrees to serve; custody not required by definition."],["S_PA-P1-C005","Pure noncustodial interest/fee negotiation without contemplated principal reduction differs from DSS and custodial DMS; labels do not decide coverage.","S001 §102; S002 §§2–3; S013 §310.2(o)","Bounded application. Marketing, actual money handling and federal/adjacent coverage must be checked."],["S_PA-P1-C006","Paid contractual collection of debtor money for distribution among specified creditors can be prohibited debt pooling, including business-purpose debts.","S003 §7312(a), (c)","High—text; application assumes all definition elements and no exception."],["S_PA-P1-C007","§7312 contains specified lawyer/entity, uncompensated-agency and actual §501(c)(3) exceptions; compliant DMSA licensees have a separate §16(b) safe harbor.","S003 §7312(b); S002 §16(b)","High—text. Mere license possession without required compliance is insufficient."],["S_PA-P1-C008","Nonprofit status alone does not remove DMSA/DSSA licensing; reduced license fees and criminal nonprofit exceptions have different conditions.","S002 §§4, 6; S001 §§103, 304; S003 §7312(b)(3)","High—text. PA nonprofit registration and federal tax exemption are not interchangeable."],["S_PA-P1-C009","DMSA §4(a) exempts specified institutions, governmental/court actors, employees and qualifying PA attorneys from the Act.","S002 §4(a), §2 “banking institution”","High—text; actual institutional/professional conditions required. Other laws not cleared."],["S_PA-P1-C010","CPA, title-insurance and specified mortgage-license exclusions under DMSA §4(b) remove licensing only, retaining Act compliance.","S002 §4(b)","High—text. Consumer-fee obligations remain for covered services."],["S_PA-P1-C011","DSSA’s actual-professional-services exclusions and its narrower §103(5) attorney provision must be separately analyzed; provider-paid attorneys fail the latter paragraph.","S001 §§102, 103(5)","High—text; interaction in specific attorney arrangements held absent controlling interpretation."],["S_PA-P1-C012","DSSA institutional/court/bill-paying exclusions depend on §103’s entity, ordinary-course and incidental-service conditions.","S001 §§102–103","High—text. No generic bank-affiliation or escrow label exemption."],["S_PA-P1-C013","Direct own-creditor adjustment and exclusively business-purpose noncustodial negotiation differ from the consumer intermediary/distribution definitions.","S001 §102; S002 §2; S003 §7312(c)","Bounded inference. Affiliates, mixed debts and business pooling require separate application."],["S_PA-P1-C014","Incidental DSS by a DMSA licensee is excluded under DSSA §103(4); the exclusion does not itself establish a separate success-fee schedule.","S001 §103(4), §2103; S002 §15(h); S009 p.3","Exclusion verified; current separate additional-fee interpretation held."],["S_PA-P1-C015","DMS entry requires statutory application/financial, insurance, agreement, trust, accreditation, counselor and bond information; payday-loan applicants must be denied.","S002 §§5, 7–10.1","High—text. Application filing alone is not issuance; conditional license requires Department action."],["S_PA-P1-C016","DSS entry requires business authority, specified application/insurance information and $25,000 bond; license term is at most 14 months.","S001 §§302–305, 308–310","High—text. Current complete NMLS package held; original transition is historical."],["S_PA-P1-C017","Current DMS continuing education is 16 hours per two years, including at least one ethics hour, under Chapter 57.","S005 §§57.11–.13, .21–.33; S006 pp.408–411","High—operative rule/adoption read. Not the old letter’s anticipated six-hour description."],["S_PA-P1-C018","DMS statutory government fees are $2,000 initial/$1,250 renewal; qualifying registered nonprofits below $3m relevant annual revenue pay $500/$350.","S002 §§5(14), 6, 9(a)","High—text. Not consumer charges; current ancillary NMLS fees unverified."],["S_PA-P1-C019","DSS renewal is $1,250 by statute; qualifying nonprofits pay $500/$350; $2,500 ordinary initial fee is established by the 2014 letter.","S001 §§302, 304, 309; S008 p.3","Statutory figures high; current ordinary initial-fee reconfirmation held."],["S_PA-P1-C020","DMSA’s printed initial-consultation base ceiling is $50, with consumer education included.","S002 §§14(1), 15(a), (f), (g)","High—base text. Exact current adjusted ceiling held; no separate education add-on."],["S_PA-P1-C021","Printed DMS monthly base ceiling is min($10 × initially included accounts, $50/month).","S002 §15(b)","High—base/formula text. Exact adjusted amounts held; contract may charge less."],["S_PA-P1-C022","§15(i) requires annual regional CPI-U increases without negative deflation adjustment; current operative numerical amounts were not verified.","S002 §15(i); S009 p.3; S010/S016 and access routes","High—mechanism; held—exact current amounts and rounding."],["S_PA-P1-C023","A DMS licensee may charge actual cost of requesting the consumer’s credit report.","S002 §15(d)","High—text. No markup authorization established."],["S_PA-P1-C024","DMS dishonor fee is for a “subsequent” dishonored instrument and incorporates §4105’s service-charge ceiling.","S002 §15(c); S004 §4105(e)(3)","$50/actual-higher-bank-fee text verified. First-item, remote notice and instrument application held."],["S_PA-P1-C025","No separate DMP education/counseling fee; unauthorized extra fees and consumer contribution substitutes are restricted.","S002 §§14(1), 15(e)–(h)","High—text. No additional authorizing regulation retrieved; statutory regulatory qualification preserved."],["S_PA-P1-C026","Education/counseling fee must be refunded if the consumer enters a DMP with the same licensee within four months of beginning that service.","S002 §15(f)","High—text. Refund requirement; no assumption that a bookkeeping credit alone satisfies it."],["S_PA-P1-C027","DMS charges/payment cannot precede the signed DMS agreement; preservice education, benefit analysis and oral counselor review also apply.","S002 §§2, 14(1)–(2), 15(g)","High—text. Does not override independent federal timing."],["S_PA-P1-C028","Lawful fees may be drawn from the trust under specified accounting conditions, but creditors receive priority when consumer payment is partial.","S002 §14(5)(iii), (6)","High—text. Insufficient-payment delay provision does not convert funds into earned fees."],["S_PA-P1-C029","DMP agreement must disclose ten-day written termination notice; unused funds and interest are promptly refundable less authorized payable fees.","S002 §14(3)(xii)–(xiii), (5)(vii)","High—text. No invented seven-day DMP refund deadline or cancellation surcharge."],["S_PA-P1-C030","Reviewed DSSA fee provisions contain no numerical fee ceiling or separate advance setup/monthly fee authorization.","S001 §§501–502; S016","High as to Act text; bounded as to absence of all other possible authority."],["S_PA-P1-C031","Proportional DSS fee uses qualifying debt’s enrollment balance divided by total enrollment balance, multiplied by total fee.","S001 §502(c)(3)(i)","High—text. Unresolved debts’ fee allocations remain unearned."],["S_PA-P1-C032","Savings-method DSS fee uses enrollment amount minus amount actually paid to satisfy debt, with the same percentage across debts.","S001 §502(c)(3)(ii)","High—text. Later inflated balances and inconsistent percentages are not the statutory method."],["S_PA-P1-C033","State DSS fee receipt requires debt alteration, at least one payment under the plan and compliant per-debt allocation.","S001 §502(c)(1)–(3)","High—text. State wording is “receive”; no advance-fee permission inferred."],["S_PA-P1-C034","Before consent to pay, a signed DSS agreement must disclose costs, per-debt fee method and total estimates; good faith and misrepresentation restrictions apply.","S001 §§501, 502(a)(1), (b)","High—text. No fee percentage is approved merely because disclosed."],["S_PA-P1-C035","State settlement-account conditions require sole client-name account, ownership/interest, specified independence condition and no referral compensation.","S001 §502(d)(1)–(4)","High—text. Provider administration is not categorically excluded by this clause; broader custody authority remains separate."],["S_PA-P1-C036","State DSS withdrawal is penalty-free; §502(d)(5) says seven days while disclosure §502(a)(4) says seven business days; agreement termination uses three days’ written notice.","S001 §502(a)(4)–(5), (d)(5)","High—wording; authoritative reconciliation held. Three-day language is a notice provision."],["S_PA-P1-C037","Missing required DSS license when consumer assents makes the agreement voidable by the consumer.","S001 §502(e)","High—text. Not described as automatically void in all circumstances."],["S_PA-P1-C038","Federal debt-relief definition includes interest/fee concessions; covered inbound advertising calls can fall within TSR.","S013 §§310.2(o), (ii), 310.6(b)(5)–(6)","High—federal text, retrieved through October 21, 2026. Actual jurisdiction/coverage required."],["S_PA-P1-C039","TSR bars requesting and receiving fees before qualifying agreement, creditor/debt-collector first payment and proper allocation.","S013 §310.4(a)(5)(i); S014 “Collecting Fees”","High—federal rule. Common context only; consumer savings deposit is not the specified creditor payment."],["S_PA-P1-C040","TSR dedicated-account allowance requires independent administration, insured institution, consumer ownership and seven-business-day penalty-free exit return less compliant fees.","S013 §310.4(a)(5)(ii)","High—federal text. Does not authorize Pennsylvania market entry or an administrator fee amount."],["S_PA-P1-C041","Current DoBS instructions require NMLS for DMS/DSS and direct status inquiries to Consumer Access; current checklist/provider records were not retrieved.","S007 “Debt Servicers,” concluding NMLS instructions; S021–S029","High—procedure read; held—specific current provider authorization/package."],["S_PA-P1-C042","DMS referral compensation, related-entity payments, consumer enrollment incentives and delegation to applicable unlicensed persons are restricted.","S002 §14(16)–(18), (22), (24); S001 §§102, 301","High—text; no categorical conclusion for an unspecified advertising arrangement."],["S_PA-P1-C043","Credit-improvement/credit-obtaining services and loan brokering can trigger distinct CSA rules, including performance/bond conditions and loan-broker advance-fee prohibition.","S015 §§2–3, 7–8, 12","Boundary verified. Full professional/credit-repair/loan-broker authorization and fee review remain open."],["S_PA-P1-C044","Transmission/account administration requires a separate activity/exemption analysis; current MTA §§2–3, 12 and DMSA’s limited §21 exemption matter.","S018 §§2–3, 12; S002 §21; S001 §2103","High selected text; hybrid account arrangements and full transmission rules not cleared."],["S_PA-P1-C045","The 2018 RAM order addresses alleged unlicensed settlement-account transmission and rejected claimed bank-agent exemption on those facts.","S020 ¶¶4–11, 20–21","Historical, party-specific, no admission. No present license or universal interpretation inferred."]]},{"headers":["Scope item / issue","Status","Findings / claim IDs","Missing evidence and exact next investigation"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Scope item / issue","Status","Findings / claim IDs","Missing evidence and exact next investigation"],["1 — DMS/DSS definitions, principal reduction versus concessions","Answered within stated facts","C003–C005","For a proposed model, apply actual promises, debt purpose and payment flow; no marketing-label shortcut."],["1 — Consumer/business, custodial/noncustodial, resident/remote nexus","Answered, with hybrid boundaries","C003–C007, C013, C044","Mixed-purpose and provider-administered settlement-account arrangements require a specific statutory application."],["2 — Ordinary DMP and consumer settlement license pathways","Answered","C001, C003–C004, C015–C019","Actual provider eligibility and issuance remain separate from existence of a pathway."],["2 — Criminal pooling prohibition and exceptions","Answered at statutory level","C006–C008","Complete later case-law treatment of pooling and additional fund-handling models."],["2 — Attorney exclusions","Partial","C009–C011","Locate published DoBS interpretations or controlling decisions reconciling DSSA §102 with §103(5), especially provider-paid and publicly marketed attorney arrangements."],["2 — Nonprofit and institutional exclusions","Answered at statutory level","C008–C012","For a specific actor, verify actual charter, supervision, tax status, PA registration and qualifying activity."],["2/3 — Incidental settlement by DMS licensee; extra success fee","Partial / fee held","C014","Locate post-2014 authoritative treatment of DSSA §103(4), §2103 and a separate fee for incidental settlement. The 2009 letter is insufficient alone."],["3 — DMS fee bases and permitted categories","Answered","C020–C026","No additional ordinary DMP fee category established by the retrieved rules."],["3 — Exact current adjusted consultation/per-account/monthly maxima","Unresolved / held","C022","Retrieve the applicable DoBS annual adjustment notice, operative period and rounding instructions; verify any necessary prior notice chain. Do not substitute a CPI calculation."],["3 — Dishonored-payment charge application","Partial","C024","Find current interpretation/case law on “subsequent,” qualifying instruments and §4105’s posted-notice condition for remote arrangements."],["3 — DSS allocation/savings methods and numerical ceiling","Answered within reviewed authority","C030–C032","Statute has no numerical cap; continue checking any specific provider condition or subsequently located binding order before implementing a fee."],["4 — State performance/payment timing and federal distinction","Answered","C027–C028, C033–C040","Apply actual TSR jurisdiction/call facts. No state ceiling treated as advance-fee authorization."],["4 — Installment settlement savings and failed-settlement true-up","Partial","C032–C033, C039","Locate authoritative §502(c)(3)(ii)/TSR treatment of remaining installments, failures and recalculation; worked savings examples deliberately use fully satisfied debts."],["4 — Seven days versus seven business days","Unresolved interpretation","C036","Locate controlling interpretation of §502(a)(4) versus §502(d)(5), including applicable time-computation law. Preserve both texts meanwhile."],["5 — Current regulator/NMLS direction","Answered","C041","S007 supplies substantive current instructions."],["5 — Complete current application package/ancillary charges","Partial / held","C015–C019, C041","Retry public NMLS PA checklist/compiler routes for each relevant license class and branch requirement; read the actual current output. No filing or account change."],["5 — Named-provider authorization","Unresolved / not established","C041","Obtain a readable public NMLS record; match exact legal entity, license type, Pennsylvania status, locations, conditions and dates. Brand advertising is insufficient."],["6 — Lower-debt, partial-payment, partial-settlement, prior-fee and cancellation examples","Answered conditionally","Examples 1–9","Exact indexed-cap examples remain withheld. No example cures an unlawful earlier fee."],["7 — Component evidence and next-pass tracking","Answered","This table; B–C","Preserve these holds when integrating the component into the larger dossier."]]},{"headers":["Later required investigation","Status after PASS-01","Exact continuation"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Later required investigation","Status after PASS-01","Exact continuation"],["Full agreements, disclosures, signatures and cancellation architecture","Open; only fee-relevant provisions addressed","Complete every required term, delivery, language, amendment, notice and electronic-signature requirement."],["Funds, trust accounts, administration, money transmission, bond and insurance","Open; entry/fee boundaries only","Complete fund-flow classification, current transmission regulations, trust operations, bond forms/claims and insurance conditions, including the 2025 amendments."],["Remedies, penalties, refunds, enforcement and private rights","Open","Analyze statutory remedies, UTPCPL interaction, standing, damages and enforcement procedure; voidability alone does not complete this work."],["Full debt-collection regulation","Open","Investigate creditor/debt-buyer/collector conduct, licensing and state/federal collection restrictions."],["Litigation and judgment enforcement","Open","Court jurisdiction, service, pleadings, proof, judgments, execution and post-judgment procedure."],["Limitations, accrual, revival and acknowledgment","Open","Debt-specific limitations rules and controlling decisions."],["Property, wage, bank-account and bankruptcy-related exemptions","Open","Separate asset/execution exemptions from the provider-entity exclusions addressed here."],["Secured debt","Open","Mortgages, foreclosure, vehicle debt, repossession, security interests and applicable assistance-service rules."],["Sector-specific debt","Open","Student, medical, tax, public-benefit, utility and other sector-specific rules."],["Local law","Open","Applicable municipal/county requirements and preemption."],["Tribal issues","Open","Sovereignty, jurisdiction, enforceability and relevant controlling authority."],["Contract, arbitration and choice of law","Open","Enforceability, fee contracts, professional retainers, choice-of-law limits and arbitration."],["Complete case-law/current-status investigation","Open","Complete citator/docket work, later treatment of historical decisions and current controlling interpretations."],["Pennsylvania state completion / A066 acceptance","Not accepted or implied","Requires the remaining passes and resolution or explicit retention of material holds."]]}],"claims":[{"claim_id":"S_PA-P1-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C001","Precise assertion":"DSSA supplies a separate settlement regime and repeals DMSA insofar as it applies to DSS; §§301/502 operate from January 1, 2015.","Sources / pinpoints":"S001 §§2103–2104; S002 §50; S009 p.1","Conditions, currentness and confidence limits":"High—text. Legacy transactions require their own temporal analysis under §2102."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C002","Precise assertion":"The 2010 ruling invalidated only specified former DSS regulatory/fee provisions; the 2011 Supreme Court decision quashed appeals without deciding merits.","Sources / pinpoints":"S011 pp.6–8/order; S012 pp.8–11, n.5","Conditions, currentness and confidence limits":"High—read decisions. Final post-remand disposition not verified; no current DSSA invalidity inferred."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C003","Precise assertion":"DMS is periodic receipt/distribution of consumer personal-debt payments; §3(a) also reaches specified advertising/procurement representations, without an express fee prerequisite.","Sources / pinpoints":"S002 §§2, 3(a), 48","Conditions, currentness and confidence limits":"High—text. Pennsylvania activity/resident nexus applies; secured-debt issues otherwise open."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C004","Precise assertion":"Covered DSS contemplates principal reduction of unsecured personal/family/household debt; fee-based marketing, solicitation, offers and provision to a PA resident require licensing absent exclusion.","Sources / pinpoints":"S001 §§102, 103, 301","Conditions, currentness and confidence limits":"High—text. Residence measured when provider agrees to serve; custody not required by definition."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C005","Precise assertion":"Pure noncustodial interest/fee negotiation without contemplated principal reduction differs from DSS and custodial DMS; labels do not decide coverage.","Sources / pinpoints":"S001 §102; S002 §§2–3; S013 §310.2(o)","Conditions, currentness and confidence limits":"Bounded application. Marketing, actual money handling and federal/adjacent coverage must be checked."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C006","Precise assertion":"Paid contractual collection of debtor money for distribution among specified creditors can be prohibited debt pooling, including business-purpose debts.","Sources / pinpoints":"S003 §7312(a), (c)","Conditions, currentness and confidence limits":"High—text; application assumes all definition elements and no exception."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C007","Precise assertion":"§7312 contains specified lawyer/entity, uncompensated-agency and actual §501(c)(3) exceptions; compliant DMSA licensees have a separate §16(b) safe harbor.","Sources / pinpoints":"S003 §7312(b); S002 §16(b)","Conditions, currentness and confidence limits":"High—text. Mere license possession without required compliance is insufficient."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C008","Precise assertion":"Nonprofit status alone does not remove DMSA/DSSA licensing; reduced license fees and criminal nonprofit exceptions have different conditions.","Sources / pinpoints":"S002 §§4, 6; S001 §§103, 304; S003 §7312(b)(3)","Conditions, currentness and confidence limits":"High—text. PA nonprofit registration and federal tax exemption are not interchangeable."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C009","Precise assertion":"DMSA §4(a) exempts specified institutions, governmental/court actors, employees and qualifying PA attorneys from the Act.","Sources / pinpoints":"S002 §4(a), §2 “banking institution”","Conditions, currentness and confidence limits":"High—text; actual institutional/professional conditions required. Other laws not cleared."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C010","Precise assertion":"CPA, title-insurance and specified mortgage-license exclusions under DMSA §4(b) remove licensing only, retaining Act compliance.","Sources / pinpoints":"S002 §4(b)","Conditions, currentness and confidence limits":"High—text. Consumer-fee obligations remain for covered services."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C011","Precise assertion":"DSSA’s actual-professional-services exclusions and its narrower §103(5) attorney provision must be separately analyzed; provider-paid attorneys fail the latter paragraph.","Sources / pinpoints":"S001 §§102, 103(5)","Conditions, currentness and confidence limits":"High—text; interaction in specific attorney arrangements held absent controlling interpretation."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C012","Precise assertion":"DSSA institutional/court/bill-paying exclusions depend on §103’s entity, ordinary-course and incidental-service conditions.","Sources / pinpoints":"S001 §§102–103","Conditions, currentness and confidence limits":"High—text. No generic bank-affiliation or escrow label exemption."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C013","Precise assertion":"Direct own-creditor adjustment and exclusively business-purpose noncustodial negotiation differ from the consumer intermediary/distribution definitions.","Sources / pinpoints":"S001 §102; S002 §2; S003 §7312(c)","Conditions, currentness and confidence limits":"Bounded inference. Affiliates, mixed debts and business pooling require separate application."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C014","Precise assertion":"Incidental DSS by a DMSA licensee is excluded under DSSA §103(4); the exclusion does not itself establish a separate success-fee schedule.","Sources / pinpoints":"S001 §103(4), §2103; S002 §15(h); S009 p.3","Conditions, currentness and confidence limits":"Exclusion verified; current separate additional-fee interpretation held."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C015","Precise assertion":"DMS entry requires statutory application/financial, insurance, agreement, trust, accreditation, counselor and bond information; payday-loan applicants must be denied.","Sources / pinpoints":"S002 §§5, 7–10.1","Conditions, currentness and confidence limits":"High—text. Application filing alone is not issuance; conditional license requires Department action."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C016","Precise assertion":"DSS entry requires business authority, specified application/insurance information and $25,000 bond; license term is at most 14 months.","Sources / pinpoints":"S001 §§302–305, 308–310","Conditions, currentness and confidence limits":"High—text. Current complete NMLS package held; original transition is historical."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C017","Precise assertion":"Current DMS continuing education is 16 hours per two years, including at least one ethics hour, under Chapter 57.","Sources / pinpoints":"S005 §§57.11–.13, .21–.33; S006 pp.408–411","Conditions, currentness and confidence limits":"High—operative rule/adoption read. Not the old letter’s anticipated six-hour description."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C018","Precise assertion":"DMS statutory government fees are $2,000 initial/$1,250 renewal; qualifying registered nonprofits below $3m relevant annual revenue pay $500/$350.","Sources / pinpoints":"S002 §§5(14), 6, 9(a)","Conditions, currentness and confidence limits":"High—text. Not consumer charges; current ancillary NMLS fees unverified."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C019","Precise assertion":"DSS renewal is $1,250 by statute; qualifying nonprofits pay $500/$350; $2,500 ordinary initial fee is established by the 2014 letter.","Sources / pinpoints":"S001 §§302, 304, 309; S008 p.3","Conditions, currentness and confidence limits":"Statutory figures high; current ordinary initial-fee reconfirmation held."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C020","Precise assertion":"DMSA’s printed initial-consultation base ceiling is $50, with consumer education included.","Sources / pinpoints":"S002 §§14(1), 15(a), (f), (g)","Conditions, currentness and confidence limits":"High—base text. Exact current adjusted ceiling held; no separate education add-on."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C021","Precise assertion":"Printed DMS monthly base ceiling is min($10 × initially included accounts, $50/month).","Sources / pinpoints":"S002 §15(b)","Conditions, currentness and confidence limits":"High—base/formula text. Exact adjusted amounts held; contract may charge less."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C022","Precise assertion":"§15(i) requires annual regional CPI-U increases without negative deflation adjustment; current operative numerical amounts were not verified.","Sources / pinpoints":"S002 §15(i); S009 p.3; S010/S016 and access routes","Conditions, currentness and confidence limits":"High—mechanism; held—exact current amounts and rounding."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C023","Precise assertion":"A DMS licensee may charge actual cost of requesting the consumer’s credit report.","Sources / pinpoints":"S002 §15(d)","Conditions, currentness and confidence limits":"High—text. No markup authorization established."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C024","Precise assertion":"DMS dishonor fee is for a “subsequent” dishonored instrument and incorporates §4105’s service-charge ceiling.","Sources / pinpoints":"S002 §15(c); S004 §4105(e)(3)","Conditions, currentness and confidence limits":"$50/actual-higher-bank-fee text verified. First-item, remote notice and instrument application held."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C025","Precise assertion":"No separate DMP education/counseling fee; unauthorized extra fees and consumer contribution substitutes are restricted.","Sources / pinpoints":"S002 §§14(1), 15(e)–(h)","Conditions, currentness and confidence limits":"High—text. No additional authorizing regulation retrieved; statutory regulatory qualification preserved."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C026","Precise assertion":"Education/counseling fee must be refunded if the consumer enters a DMP with the same licensee within four months of beginning that service.","Sources / pinpoints":"S002 §15(f)","Conditions, currentness and confidence limits":"High—text. Refund requirement; no assumption that a bookkeeping credit alone satisfies it."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C027","Precise assertion":"DMS charges/payment cannot precede the signed DMS agreement; preservice education, benefit analysis and oral counselor review also apply.","Sources / pinpoints":"S002 §§2, 14(1)–(2), 15(g)","Conditions, currentness and confidence limits":"High—text. Does not override independent federal timing."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C028","Precise assertion":"Lawful fees may be drawn from the trust under specified accounting conditions, but creditors receive priority when consumer payment is partial.","Sources / pinpoints":"S002 §14(5)(iii), (6)","Conditions, currentness and confidence limits":"High—text. Insufficient-payment delay provision does not convert funds into earned fees."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C029","Precise assertion":"DMP agreement must disclose ten-day written termination notice; unused funds and interest are promptly refundable less authorized payable fees.","Sources / pinpoints":"S002 §14(3)(xii)–(xiii), (5)(vii)","Conditions, currentness and confidence limits":"High—text. No invented seven-day DMP refund deadline or cancellation surcharge."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C030","Precise assertion":"Reviewed DSSA fee provisions contain no numerical fee ceiling or separate advance setup/monthly fee authorization.","Sources / pinpoints":"S001 §§501–502; S016","Conditions, currentness and confidence limits":"High as to Act text; bounded as to absence of all other possible authority."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C031","Precise assertion":"Proportional DSS fee uses qualifying debt’s enrollment balance divided by total enrollment balance, multiplied by total fee.","Sources / pinpoints":"S001 §502(c)(3)(i)","Conditions, currentness and confidence limits":"High—text. Unresolved debts’ fee allocations remain unearned."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C032","Precise assertion":"Savings-method DSS fee uses enrollment amount minus amount actually paid to satisfy debt, with the same percentage across debts.","Sources / pinpoints":"S001 §502(c)(3)(ii)","Conditions, currentness and confidence limits":"High—text. Later inflated balances and inconsistent percentages are not the statutory method."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C033","Precise assertion":"State DSS fee receipt requires debt alteration, at least one payment under the plan and compliant per-debt allocation.","Sources / pinpoints":"S001 §502(c)(1)–(3)","Conditions, currentness and confidence limits":"High—text. State wording is “receive”; no advance-fee permission inferred."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C034","Precise assertion":"Before consent to pay, a signed DSS agreement must disclose costs, per-debt fee method and total estimates; good faith and misrepresentation restrictions apply.","Sources / pinpoints":"S001 §§501, 502(a)(1), (b)","Conditions, currentness and confidence limits":"High—text. No fee percentage is approved merely because disclosed."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C035","Precise assertion":"State settlement-account conditions require sole client-name account, ownership/interest, specified independence condition and no referral compensation.","Sources / pinpoints":"S001 §502(d)(1)–(4)","Conditions, currentness and confidence limits":"High—text. Provider administration is not categorically excluded by this clause; broader custody authority remains separate."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C036","Precise assertion":"State DSS withdrawal is penalty-free; §502(d)(5) says seven days while disclosure §502(a)(4) says seven business days; agreement termination uses three days’ written notice.","Sources / pinpoints":"S001 §502(a)(4)–(5), (d)(5)","Conditions, currentness and confidence limits":"High—wording; authoritative reconciliation held. Three-day language is a notice provision."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C037","Precise assertion":"Missing required DSS license when consumer assents makes the agreement voidable by the consumer.","Sources / pinpoints":"S001 §502(e)","Conditions, currentness and confidence limits":"High—text. Not described as automatically void in all circumstances."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C038","Precise assertion":"Federal debt-relief definition includes interest/fee concessions; covered inbound advertising calls can fall within TSR.","Sources / pinpoints":"S013 §§310.2(o), (ii), 310.6(b)(5)–(6)","Conditions, currentness and confidence limits":"High—federal text, retrieved through October 21, 2026. Actual jurisdiction/coverage required."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C039","Precise assertion":"TSR bars requesting and receiving fees before qualifying agreement, creditor/debt-collector first payment and proper allocation.","Sources / pinpoints":"S013 §310.4(a)(5)(i); S014 “Collecting Fees”","Conditions, currentness and confidence limits":"High—federal rule. Common context only; consumer savings deposit is not the specified creditor payment."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C040","Precise assertion":"TSR dedicated-account allowance requires independent administration, insured institution, consumer ownership and seven-business-day penalty-free exit return less compliant fees.","Sources / pinpoints":"S013 §310.4(a)(5)(ii)","Conditions, currentness and confidence limits":"High—federal text. Does not authorize Pennsylvania market entry or an administrator fee amount."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C041","Precise assertion":"Current DoBS instructions require NMLS for DMS/DSS and direct status inquiries to Consumer Access; current checklist/provider records were not retrieved.","Sources / pinpoints":"S007 “Debt Servicers,” concluding NMLS instructions; S021–S029","Conditions, currentness and confidence limits":"High—procedure read; held—specific current provider authorization/package."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C042","Precise assertion":"DMS referral compensation, related-entity payments, consumer enrollment incentives and delegation to applicable unlicensed persons are restricted.","Sources / pinpoints":"S002 §14(16)–(18), (22), (24); S001 §§102, 301","Conditions, currentness and confidence limits":"High—text; no categorical conclusion for an unspecified advertising arrangement."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C043","Precise assertion":"Credit-improvement/credit-obtaining services and loan brokering can trigger distinct CSA rules, including performance/bond conditions and loan-broker advance-fee prohibition.","Sources / pinpoints":"S015 §§2–3, 7–8, 12","Conditions, currentness and confidence limits":"Boundary verified. Full professional/credit-repair/loan-broker authorization and fee review remain open."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C044","Precise assertion":"Transmission/account administration requires a separate activity/exemption analysis; current MTA §§2–3, 12 and DMSA’s limited §21 exemption matter.","Sources / pinpoints":"S018 §§2–3, 12; S002 §21; S001 §2103","Conditions, currentness and confidence limits":"High selected text; hybrid account arrangements and full transmission rules not cleared."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P1-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_PA-P1-C045","Precise assertion":"The 2018 RAM order addresses alleged unlicensed settlement-account transmission and rejected claimed bank-agent exemption on those facts.","Sources / pinpoints":"S020 ¶¶4–11, 20–21","Conditions, currentness and confidence limits":"Historical, party-specific, no admission. No present license or universal interpretation inferred."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"}],"sources":[{"source_id":"S_PA-P1-S001","urls":["https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2014/0/0118..HTM","https://www.palegis.us/statutes/unconsolidated/law-information?actNum=0118&sessInd=0&sessYr=2014","https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2014/0/0118..HTM?utm_source=chatgpt.com","https://www.palegis.us/statutes/unconsolidated/law-information?actNum=0118&sessInd=0&sessYr=2014&utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_PA-P1-S001","Title / issuer and direct literal URL":"Debt Settlement Services Act, Act 118 of 2014, Pennsylvania General Assembly. https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2014/0/0118..HTM — Act metadata: https://www.palegis.us/statutes/unconsolidated/law-information?actNum=0118&sessInd=0&sessYr=2014","Exact passages, version/status and limitations":"Read: §§102–103, 301–310, 313, 501–502, 2102–2104, including complete relevant fee/account language. Enacted July 9, 2014; phased effectiveness under §2104; core operating rules January 1, 2015. Metadata reported no amending legislation found. Pennsylvania controlling statutory text; no comprehensive citator certification. \nENACTMENT\n+2"},"coordinator_verification_status":"selected_passages_checked_only_see_review","coordinator_review":"[internal evidence reference]"},{"source_id":"S_PA-P1-S002","urls":["https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117..HTM","https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117.000.000.014.000..HTM","https://www.palegis.us/statutes/unconsolidated/law-information?actNum=0117&sessInd=0&sessYr=2008","https://www.palegis.us/statutes/unconsolidated/chron-history?ACTNUM=117&SESSIND=0&SESSYR=2008","https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117..HTM?utm_source=chatgpt.com","https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117.000.000.014.000..HTM?utm_source=chatgpt.com","https://www.palegis.us/statutes/unconsolidated/law-information?actNum=0117&sessInd=0&sessYr=2008&utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_PA-P1-S002","Title / issuer and direct literal URL":"Debt Management Services Act, Act 117 of 2008, Pennsylvania General Assembly. https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117..HTM — Same-document §14 view: https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117.000.000.014.000..HTM — Metadata: https://www.palegis.us/statutes/unconsolidated/law-information?actNum=0117&sessInd=0&sessYr=2008","Exact passages, version/status and limitations":"Read: definitions, licensing/exclusions, application/renewal provisions; §§10.1, 14–16, 21, 48–50. Complete §15 read. Effective February 6, 2009. The displayed enactment contains DSS language displaced by S001 §2103. The separate history route https://www.palegis.us/statutes/unconsolidated/chron-history?ACTNUM=117&SESSIND=0&SESSYR=2008 failed; identified repeal/cases were checked separately. \nENACTMENT\n+4"},"coordinator_verification_status":"selected_passages_checked_only_see_review","coordinator_review":"[internal evidence reference]"},{"source_id":"S_PA-P1-S003","urls":["https://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/18/00.073..HTM","https://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/18/00.073..HTM?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_PA-P1-S003","Title / issuer and direct literal URL":"18 Pa.C.S. §7312, Debt pooling, Pennsylvania General Assembly. https://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/18/00.073..HTM","Exact passages, version/status and limitations":"Read: complete §7312(a)–(c), including all express exceptions and definitions. Current official chapter text; source note identifies Act 70 of December 18, 2007, effective immediately, for the amendment to exceptions. Not a general debt-collection-law review. \nCRIMES AND OFFENSES"},"coordinator_verification_status":"selected_passages_checked_only_see_review","coordinator_review":"[internal evidence reference]"},{"source_id":"S_PA-P1-S004","urls":["https://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/18/00.041.005.000..HTM","https://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/18/00.041.005.000..HTM?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_PA-P1-S004","Title / issuer and direct literal URL":"18 Pa.C.S. §4105, Bad checks, Pennsylvania General Assembly. https://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/18/00.041.005.000..HTM","Exact passages, version/status and limitations":"Read: §4105(e), especially (e)(3), and amendment notes. Current official $50/actual-higher-bank-charge text and posted-notice language. This is the criminal-cost provision incorporated by DMSA §15(c); remote-payment application is not fully resolved. \nCRIMES AND OFFENSES"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P1-S005","urls":["https://www.pacodeandbulletin.gov/Display/pacode?d=&file=/secure/pacode/data/010/chapter57/chap57toc.html","https://www.pacodeandbulletin.gov/Display/pacode?d&file=%2Fsecure%2Fpacode%2Fdata%2F010%2Fchapter57%2Fchap57toc.html&utm_source=chatgpt.com","https://www.pacodeandbulletin.gov/Display/pacode?d=&file=%2Fsecure%2Fpacode%2Fdata%2F010%2Fchapter57%2Fchap57toc.html&utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_PA-P1-S005","Title / issuer and direct literal URL":"10 Pa. Code Chapter 57, Debt Management Services Continuing Education, DoBS / Pennsylvania Code. https://www.pacodeandbulletin.gov/Display/pacode?d=&file=/secure/pacode/data/010/chapter57/chap57toc.html","Exact passages, version/status and limitations":"Read: complete chapter, §§57.1, 57.11–.13, 57.21–.24, 57.31–.33. Adopted January 23, effective January 24, 2015, 45 Pa.B.408. Current retrieved codification. Education/verification rule, not a consumer-fee schedule. \npacodeandbulletin.gov"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P1-S006","urls":["https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol45/45-4/45-4.pdf","https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol45/45-4/45-4.pdf?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_PA-P1-S006","Title / issuer and direct literal URL":"Debt Management Services Continuing Education—final rulemaking, DoBS, 45 Pa.B.408–411, Doc.15-126. https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol45/45-4/45-4.pdf","Exact passages, version/status and limitations":"Read: relevant final-rule article, order and Annex A, printed pp.408–411, PDF pages 8–11. Effective upon publication January 24, 2015; no sunset stated. Distinguished from the 2014 proposal. The individual HTML route ending /126.html failed, but the official issue PDF supplied the text. \npacodeandbulletin.gov\n+2"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P1-S007","urls":["https://www.pa.gov/agencies/dobs/non-bank-licensees","https://www.pa.gov/agencies/dobs/non-bank-licensees?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_PA-P1-S007","Title / issuer and direct literal URL":"Non-Bank Licensees, Pennsylvania DoBS. https://www.pa.gov/agencies/dobs/non-bank-licensees","Exact passages, version/status and limitations":"Read: “Debt Servicers,” “Debt Management Services Regulations,” “Credit Services Loan Brokers,” “Money Transmitters,” and concluding NMLS/Consumer Access instructions. Current operational directions; not independent statutory permission or evidence of any named license. \nCommonwealth of Pennsylvania\n+2"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P1-S008","urls":["https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/10%201%2014%20secretary_s%20letter%20re_%20dssa.pdf","https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/10%201%2014%20secretary_s%20letter%20re_%20dssa.pdf?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_PA-P1-S008","Title / issuer and direct literal URL":"October 1, 2014 letter to entities engaged in debt settlement, Secretary of Banking and Securities. https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/10%201%2014%20secretary_s%20letter%20re_%20dssa.pdf","Exact passages, version/status and limitations":"Read: all three pages; coverage/transition pp.1–2; NMLS forms and bond p.2; government fees/renewal p.3. Historical implementation guidance. $2,500 initial ordinary-provider fee verified for that issuance; current checklist reconfirmation held. \npa.gov"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P1-S009","urls":["https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/debt%20management%20act%20secy%20letter%20010809.pdf","https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/debt%20management%20act%20secy%20letter%20010809.pdf?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_PA-P1-S009","Title / issuer and direct literal URL":"January 8, 2009 DMSA implementation letter, Secretary of Banking. https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/debt%20management%20act%20secy%20letter%20010809.pdf","Exact passages, version/status and limitations":"Read: four pages; effective date/nexus p.1; licensing p.2; “Permissible Fees,” anticipated education and old settlement restrictions p.3; other-statute discussion p.4. Historical. Its promised annual Bulletin fee notices do not supply the missing current figures; its old settlement prohibition is superseded as described above. \n21822_1.DOC"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P1-S010","urls":["https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol56/56-31/1110.html","https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol56/56-31/1110.html?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_PA-P1-S010","Title / issuer and direct literal URL":"Catalog of Nonregulatory Documents, Governor’s Office, 56 Pa.B.4699, August 1, 2026, Doc.26-1110. https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol56/56-31/1110.html","Exact passages, version/status and limitations":"Read: catalog introduction and DoBS entries, including Secretary’s Letters and interpretive/guidance descriptions. Catalog aims at documents in effect July 2, 2026, with an accuracy qualification; it also identifies historical letters. Listing an old letter does not reenact it. No operative current DMP fee-adjustment amount was obtained. \npacodeandbulletin.gov\n+2"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P1-S011","urls":["https://cases.justia.com/pennsylvania/commonwealth-court/69md09_2-25-10.pdf?ts=1462437603","https://www.pacourts.us/assets/opinions/Commonwealth/out/69MD09_2-25-10.pdf","https://cases.justia.com/pennsylvania/commonwealth-court/69md09_2-25-10.pdf?ts=1462437603&utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_PA-P1-S011","Title / issuer and direct literal URL":"United States Organizations for Bankruptcy Alternatives, Inc. v. Department of Banking, 991 A.2d 370 (Pa. Cmwlth. 2010), No.69 M.D.2009, February 25, 2010. Court opinion reproduced at https://cases.justia.com/pennsylvania/commonwealth-court/69md09_2-25-10.pdf?ts=1462437603","Exact passages, version/status and limitations":"Read: opinion/order; controlling discussion slip pp.6–8; order at PDF p.9. Official route https://www.pacourts.us/assets/opinions/Commonwealth/out/69MD09_2-25-10.pdf failed. Primary judicial text read through a third-party host. Historical partial constitutional ruling; later final docket disposition not verified. \n69MD09.doc"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P1-S012","urls":["https://cases.justia.com/pennsylvania/supreme-court/J-56A%26B-2011mo.pdf?ts=1462440611","https://www.pacourts.us/assets/opinions/Supreme/out/J-56A%26B-2011mo.pdf","https://cases.justia.com/pennsylvania/supreme-court/J-56A%26B-2011mo.pdf?ts=1462440611&utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_PA-P1-S012","Title / issuer and direct literal URL":"United States Organizations for Bankruptcy Alternatives, Inc. v. Department of Banking, 26 A.3d 474 (Pa. 2011), Nos.13 & 16 MAP 2010, August 15, 2011. https://cases.justia.com/pennsylvania/supreme-court/J-56A%26B-2011mo.pdf?ts=1462440611","Exact passages, version/status and limitations":"Read: opinion, especially pp.8–11 and p.10 n.5. Official route https://www.pacourts.us/assets/opinions/Supreme/out/J-56A%26B-2011mo.pdf failed. Both appeals quashed as interlocutory; no merits view. Primary judicial text on third-party host. \ncases.justia.com"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P1-S013","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_PA-P1-S013","Title / issuer and direct literal URL":"Telemarketing Sales Rule, 16 C.F.R. Part 310, FTC / eCFR. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","Exact passages, version/status and limitations":"Read: §§310.2(o), (ee), (hh)–(ii); complete §310.4(a)(5); relevant §310.6(b) exceptions. One regulation ID reused across sections. Retrieved eCFR displayed currency through October 21, 2026. Federal common context, not Pennsylvania permission; website title-wide amendment date is not attributed to the fee subsection. \necfr.gov\n+3"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P1-S014","urls":["https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business","https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_PA-P1-S014","Title / issuer and direct literal URL":"Debt Relief Services & the Telemarketing Sales Rule: A Guide for Business, FTC staff. https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business","Exact passages, version/status and limitations":"Read: “Who’s Covered by the New Rule,” “Collecting Fees,” “Requiring A Dedicated Account,” relevant examples. Expressly nonbinding staff guidance. Used to corroborate fee collection/account distinctions; no Pennsylvania authorization or administrator-fee ceiling inferred. \nFederal Trade Commission\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P1-S015","urls":["https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/1992/0/0150..HTM","https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/1992/0/0150..HTM?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_PA-P1-S015","Title / issuer and direct literal URL":"Credit Services Act, Act 150 of 1992, Pennsylvania General Assembly. https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/1992/0/0150..HTM","Exact passages, version/status and limitations":"Read: §§2–3, relevant §7, §8, §§9, 12–13. Definitions, professional/institutional exclusions, performance/bond structure and loan-broker advance-fee prohibition. §13 provides immediate effectiveness for specified provisions and six months for the remainder. Used only for adjacent classification; full credit-repair/loan-broker rules not cleared. \nCREDIT SERVICES ACT\n+2"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P1-S016","urls":["https://www.pacodeandbulletin.gov/secure/pacode/data/010/010toc.html","https://www.pacodeandbulletin.gov/secure/pacode/data/010/010toc.html?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_PA-P1-S016","Title / issuer and direct literal URL":"Title 10 Pennsylvania Code contents, Legislative Reference Bureau. https://www.pacodeandbulletin.gov/secure/pacode/data/010/010toc.html","Exact passages, version/status and limitations":"Read: relevant banking/consumer-credit chapter listings. Discovery/current-codification cross-check; no separate DSS fee-cap regulation found there. A table of contents is not proof that no relevant order or interpretation exists. \npacodeandbulletin.gov"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P1-S017","urls":["https://www.pa.gov/agencies/dobs/non-bank-licensees/debt-management-services-accreditation-providers","https://www.pa.gov/agencies/dobs/non-bank-licensees/debt-management-services-accreditation-providers?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_PA-P1-S017","Title / issuer and direct literal URL":"Debt Management Services Accreditation Providers, Pennsylvania DoBS. https://www.pa.gov/agencies/dobs/non-bank-licensees/debt-management-services-accreditation-providers","Exact passages, version/status and limitations":"Read: approved accreditation and counselor-certification sections and linked form descriptions. Current operational list, undated legal effectiveness; does not license a provider merely because it uses a listed organization. \nCommonwealth of Pennsylvania"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P1-S018","urls":["https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/1965/0/0249..HTM","https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/1965/0/0249..HTM?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_PA-P1-S018","Title / issuer and direct literal URL":"Money Transmission and Virtual Currency Transmission Business Licensing Law, Act 249 of 1965, Pennsylvania General Assembly. https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/1965/0/0249..HTM","Exact passages, version/status and limitations":"Read: selected current compiled §§1–3 and 12, including June 27, 2025 amendment annotations. Initial retrieval timed out; subsequent retrieval succeeded. Used for custody/administrator boundaries only. Full transmission compliance and application requirements remain later work. \nMONEY TRANSMISSION BUSINESS LICENSING LAW"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P1-S019","urls":["https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/non-bank-licensees/forms/non-bank%20licensee%20act%207%20letter%20081225.pdf","https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/non-bank-licensees/forms/non-bank%20licensee%20act%207%20letter%20081225.pdf?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_PA-P1-S019","Title / issuer and direct literal URL":"Pennsylvania Money Transmitter Act Amendments, Pennsylvania DoBS, 2025 notice. https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/non-bank-licensees/forms/non-bank%20licensee%20act%207%20letter%20081225.pdf","Exact passages, version/status and limitations":"Read: single page. Agency reports Act 7’s June 27, 2025 signing and August 26, 2025 effectiveness, concurrent rescission of prior virtual-currency policy, and NMLS procedure. Guidance supports the need to account for the 2025 change; full amending-act retrieval failed at S030. \npa.gov"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P1-S020","urls":["https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/enforcement-orders/2018/092118_ram.pdf","https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/enforcement-orders/2018/092118_ram.pdf?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_PA-P1-S020","Title / issuer and direct literal URL":"Reliant Account Management, LLC—Consent Agreement and Order, Pennsylvania DoBS, filed September 21, 2018. https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/enforcement-orders/2018/092118_ram.pdf","Exact passages, version/status and limitations":"Read: operative text pp.1–4, particularly ¶¶4–11, 13–14, 20–21; six-page file includes signature/redaction pages. ¶20 makes effectiveness turn on docketing. Historical, party-specific consent order without admission; no current provider-status conclusion. \npa.gov\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P1-S021","urls":["https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=PA","https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=PA","https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=PA&utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_PA-P1-S021","Attempted document / literal route":"NMLS Pennsylvania license requirements: https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=PA","Actual result on October 23, 2026 Pacific":"Redirected to https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=PA with no usable substantive text."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P1-S022","urls":["https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_PA-P1-S022","Attempted document / literal route":"NMLS Checklist Compiler: https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","Actual result on October 23, 2026 Pacific":"No readable checklist contents returned."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P1-S023","urls":["https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-DM-New_Application-Checklist.pdf","https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-DM-New_Application-Checklist.pdf?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_PA-P1-S023","Attempted document / literal route":"Indexed PA debt-management new-application checklist: https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-DM-New_Application-Checklist.pdf","Actual result on October 23, 2026 Pacific":"Search discovery only for checklist contents; opening redirected to a generic NMLS resource page with no operative PDF text."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P1-S024","urls":["https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-DML-New_Application-Checklist.pdf","https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-DML-New_Application-Checklist.pdf?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_PA-P1-S024","Attempted document / literal route":"Indexed PA DML new-application checklist: https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-DML-New_Application-Checklist.pdf","Actual result on October 23, 2026 Pacific":"Opening redirected to generic NMLS home with no text. An indexed historical date is not treated as a freshly read or current version."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P1-S025","urls":["https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-Debt_Settlement_DN-Company-New-App-Checklist.pdf","https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-Debt_Settlement_DN-Company-New-App-Checklist.pdf?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_PA-P1-S025","Attempted document / literal route":"Indexed PA DSS “DN” company checklist: https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/PA-Debt_Settlement_DN-Company-New-App-Checklist.pdf","Actual result on October 23, 2026 Pacific":"Operative document inaccessible. Checklist class, requirements and current fee package not certified from the filename/snippet."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P1-S026","urls":["https://www.nmlsconsumeraccess.org/","https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx","https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_PA-P1-S026","Attempted document / literal route":"NMLS Consumer Access: https://www.nmlsconsumeraccess.org/ ; resource route https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx","Actual result on October 23, 2026 Pacific":"Main route returned an error/404; resource route returned no usable registry text. No named-provider license record was verified."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P1-S027","urls":["https://www.pa.gov/agencies/dobs/forms-and-applications","https://www.pa.gov/agencies/dobs/forms-and-applications?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_PA-P1-S027","Attempted document / literal route":"DoBS Forms & Applications: https://www.pa.gov/agencies/dobs/forms-and-applications","Actual result on October 23, 2026 Pacific":"Page shell retrieved; dynamic results displayed no results. No complete current application packet obtained through it."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P1-S028","urls":["https://www.pa.gov/agencies/dobs/statutes/secretary-s-letters","https://www.pa.gov/agencies/dobs/statutes/secretary-s-letters?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_PA-P1-S028","Attempted document / literal route":"DoBS Secretary’s Letters directory: https://www.pa.gov/agencies/dobs/statutes/secretary-s-letters","Actual result on October 23, 2026 Pacific":"Directory shell retrieved without a usable complete document list. S008–S009 were accessed separately by direct PDF URLs."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P1-S029","urls":["https://www.pa.gov/agencies/dobs/statutes/interpretations-and-releases","https://www.pa.gov/agencies/dobs/statutes/interpretations-and-releases?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_PA-P1-S029","Attempted document / literal route":"DoBS Interpretations and Releases directory: https://www.pa.gov/agencies/dobs/statutes/interpretations-and-releases","Actual result on October 23, 2026 Pacific":"Directory shell retrieved without usable listed interpretations. This does not establish that no relevant interpretation exists."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P1-S030","urls":["https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2025/0/0007..HTM"],"researcher_record":{"Unique source ID":"S_PA-P1-S030","Attempted document / literal route":"Act 7 of 2025, attempted official full amending text: https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2025/0/0007..HTM","Actual result on October 23, 2026 Pacific":"Full amending text inaccessible through this route. Selected amended provisions were actually read in S018; agency effective-date discussion read in S019."},"coordinator_verification_status":"not_yet_checked"}],"coverage":[{"topic":"1 — DMS/DSS definitions, principal reduction versus concessions","researcher_record":{"Scope item / issue":"1 — DMS/DSS definitions, principal reduction versus concessions","Status":"Answered within stated facts","Findings / claim IDs":"C003–C005","Missing evidence and exact next investigation":"For a proposed model, apply actual promises, debt purpose and payment flow; no marketing-label shortcut."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"1 — Consumer/business, custodial/noncustodial, resident/remote nexus","researcher_record":{"Scope item / issue":"1 — Consumer/business, custodial/noncustodial, resident/remote nexus","Status":"Answered, with hybrid boundaries","Findings / claim IDs":"C003–C007, C013, C044","Missing evidence and exact next investigation":"Mixed-purpose and provider-administered settlement-account arrangements require a specific statutory application."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"2 — Ordinary DMP and consumer settlement license pathways","researcher_record":{"Scope item / issue":"2 — Ordinary DMP and consumer settlement license pathways","Status":"Answered","Findings / claim IDs":"C001, C003–C004, C015–C019","Missing evidence and exact next investigation":"Actual provider eligibility and issuance remain separate from existence of a pathway."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"2 — Criminal pooling prohibition and exceptions","researcher_record":{"Scope item / issue":"2 — Criminal pooling prohibition and exceptions","Status":"Answered at statutory level","Findings / claim IDs":"C006–C008","Missing evidence and exact next investigation":"Complete later case-law treatment of pooling and additional fund-handling models."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"2 — Attorney exclusions","researcher_record":{"Scope item / issue":"2 — Attorney exclusions","Status":"Partial","Findings / claim IDs":"C009–C011","Missing evidence and exact next investigation":"Locate published DoBS interpretations or controlling decisions reconciling DSSA §102 with §103(5), especially provider-paid and publicly marketed attorney arrangements."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"2 — Nonprofit and institutional exclusions","researcher_record":{"Scope item / issue":"2 — Nonprofit and institutional exclusions","Status":"Answered at statutory level","Findings / claim IDs":"C008–C012","Missing evidence and exact next investigation":"For a specific actor, verify actual charter, supervision, tax status, PA registration and qualifying activity."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"2/3 — Incidental settlement by DMS licensee; extra success fee","researcher_record":{"Scope item / issue":"2/3 — Incidental settlement by DMS licensee; extra success fee","Status":"Partial / fee held","Findings / claim IDs":"C014","Missing evidence and exact next investigation":"Locate post-2014 authoritative treatment of DSSA §103(4), §2103 and a separate fee for incidental settlement. The 2009 letter is insufficient alone."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"3 — DMS fee bases and permitted categories","researcher_record":{"Scope item / issue":"3 — DMS fee bases and permitted categories","Status":"Answered","Findings / claim IDs":"C020–C026","Missing evidence and exact next investigation":"No additional ordinary DMP fee category established by the retrieved rules."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"3 — Exact current adjusted consultation/per-account/monthly maxima","researcher_record":{"Scope item / issue":"3 — Exact current adjusted consultation/per-account/monthly maxima","Status":"Unresolved / held","Findings / claim IDs":"C022","Missing evidence and exact next investigation":"Retrieve the applicable DoBS annual adjustment notice, operative period and rounding instructions; verify any necessary prior notice chain. Do not substitute a CPI calculation."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"3 — Dishonored-payment charge application","researcher_record":{"Scope item / issue":"3 — Dishonored-payment charge application","Status":"Partial","Findings / claim IDs":"C024","Missing evidence and exact next investigation":"Find current interpretation/case law on “subsequent,” qualifying instruments and §4105’s posted-notice condition for remote arrangements."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"3 — DSS allocation/savings methods and numerical ceiling","researcher_record":{"Scope item / issue":"3 — DSS allocation/savings methods and numerical ceiling","Status":"Answered within reviewed authority","Findings / claim IDs":"C030–C032","Missing evidence and exact next investigation":"Statute has no numerical cap; continue checking any specific provider condition or subsequently located binding order before implementing a fee."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"4 — State performance/payment timing and federal distinction","researcher_record":{"Scope item / issue":"4 — State performance/payment timing and federal distinction","Status":"Answered","Findings / claim IDs":"C027–C028, C033–C040","Missing evidence and exact next investigation":"Apply actual TSR jurisdiction/call facts. No state ceiling treated as advance-fee authorization."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"4 — Installment settlement savings and failed-settlement true-up","researcher_record":{"Scope item / issue":"4 — Installment settlement savings and failed-settlement true-up","Status":"Partial","Findings / claim IDs":"C032–C033, C039","Missing evidence and exact next investigation":"Locate authoritative §502(c)(3)(ii)/TSR treatment of remaining installments, failures and recalculation; worked savings examples deliberately use fully satisfied debts."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"4 — Seven days versus seven business days","researcher_record":{"Scope item / issue":"4 — Seven days versus seven business days","Status":"Unresolved interpretation","Findings / claim IDs":"C036","Missing evidence and exact next investigation":"Locate controlling interpretation of §502(a)(4) versus §502(d)(5), including applicable time-computation law. Preserve both texts meanwhile."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"5 — Current regulator/NMLS direction","researcher_record":{"Scope item / issue":"5 — Current regulator/NMLS direction","Status":"Answered","Findings / claim IDs":"C041","Missing evidence and exact next investigation":"S007 supplies substantive current instructions."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"5 — Complete current application package/ancillary charges","researcher_record":{"Scope item / issue":"5 — Complete current application package/ancillary charges","Status":"Partial / held","Findings / claim IDs":"C015–C019, C041","Missing evidence and exact next investigation":"Retry public NMLS PA checklist/compiler routes for each relevant license class and branch requirement; read the actual current output. No filing or account change."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"5 — Named-provider authorization","researcher_record":{"Scope item / issue":"5 — Named-provider authorization","Status":"Unresolved / not established","Findings / claim IDs":"C041","Missing evidence and exact next investigation":"Obtain a readable public NMLS record; match exact legal entity, license type, Pennsylvania status, locations, conditions and dates. Brand advertising is insufficient."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"6 — Lower-debt, partial-payment, partial-settlement, prior-fee and cancellation examples","researcher_record":{"Scope item / issue":"6 — Lower-debt, partial-payment, partial-settlement, prior-fee and cancellation examples","Status":"Answered conditionally","Findings / claim IDs":"Examples 1–9","Missing evidence and exact next investigation":"Exact indexed-cap examples remain withheld. No example cures an unlawful earlier fee."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"7 — Component evidence and next-pass tracking","researcher_record":{"Scope item / issue":"7 — Component evidence and next-pass tracking","Status":"Answered","Findings / claim IDs":"This table; B–C","Missing evidence and exact next investigation":"Preserve these holds when integrating the component into the larger dossier."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Full agreements, disclosures, signatures and cancellation architecture","researcher_record":{"Later required investigation":"Full agreements, disclosures, signatures and cancellation architecture","Status after PASS-01":"Open; only fee-relevant provisions addressed","Exact continuation":"Complete every required term, delivery, language, amendment, notice and electronic-signature requirement."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Funds, trust accounts, administration, money transmission, bond and insurance","researcher_record":{"Later required investigation":"Funds, trust accounts, administration, money transmission, bond and insurance","Status after PASS-01":"Open; entry/fee boundaries only","Exact continuation":"Complete fund-flow classification, current transmission regulations, trust operations, bond forms/claims and insurance conditions, including the 2025 amendments."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Remedies, penalties, refunds, enforcement and private rights","researcher_record":{"Later required investigation":"Remedies, penalties, refunds, enforcement and private rights","Status after PASS-01":"Open","Exact continuation":"Analyze statutory remedies, UTPCPL interaction, standing, damages and enforcement procedure; voidability alone does not complete this work."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Full debt-collection regulation","researcher_record":{"Later required investigation":"Full debt-collection regulation","Status after PASS-01":"Open","Exact continuation":"Investigate creditor/debt-buyer/collector conduct, licensing and state/federal collection restrictions."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Litigation and judgment enforcement","researcher_record":{"Later required investigation":"Litigation and judgment enforcement","Status after PASS-01":"Open","Exact continuation":"Court jurisdiction, service, pleadings, proof, judgments, execution and post-judgment procedure."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Limitations, accrual, revival and acknowledgment","researcher_record":{"Later required investigation":"Limitations, accrual, revival and acknowledgment","Status after PASS-01":"Open","Exact continuation":"Debt-specific limitations rules and controlling decisions."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Property, wage, bank-account and bankruptcy-related exemptions","researcher_record":{"Later required investigation":"Property, wage, bank-account and bankruptcy-related exemptions","Status after PASS-01":"Open","Exact continuation":"Separate asset/execution exemptions from the provider-entity exclusions addressed here."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Secured debt","researcher_record":{"Later required investigation":"Secured debt","Status after PASS-01":"Open","Exact continuation":"Mortgages, foreclosure, vehicle debt, repossession, security interests and applicable assistance-service rules."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Sector-specific debt","researcher_record":{"Later required investigation":"Sector-specific debt","Status after PASS-01":"Open","Exact continuation":"Student, medical, tax, public-benefit, utility and other sector-specific rules."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Local law","researcher_record":{"Later required investigation":"Local law","Status after PASS-01":"Open","Exact continuation":"Applicable municipal/county requirements and preemption."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Tribal issues","researcher_record":{"Later required investigation":"Tribal issues","Status after PASS-01":"Open","Exact continuation":"Sovereignty, jurisdiction, enforceability and relevant controlling authority."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Contract, arbitration and choice of law","researcher_record":{"Later required investigation":"Contract, arbitration and choice of law","Status after PASS-01":"Open","Exact continuation":"Enforceability, fee contracts, professional retainers, choice-of-law limits and arbitration."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Complete case-law/current-status investigation","researcher_record":{"Later required investigation":"Complete case-law/current-status investigation","Status after PASS-01":"Open","Exact continuation":"Complete citator/docket work, later treatment of historical decisions and current controlling interpretations."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Pennsylvania state completion / A066 acceptance","researcher_record":{"Later required investigation":"Pennsylvania state completion / A066 acceptance","Status after PASS-01":"Not accepted or implied","Exact continuation":"Requires the remaining passes and resolution or explicit retention of material holds."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}