{"meta":{"key":"s_pa--pass-02","task":"S_PA","title":"SPA Pennsylvania DMSA §15(i) annual adjusted fee maxima","parent_title":"Pennsylvania debt and debt relief law","edition":"pass-02","path":"/research/s_pa--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":7,"claims":13,"sources":12,"review_status":"revise","review_complete":true,"sha256":"96f4e8e15ca42f4de0fbd732faf412a5a7a7c28f1a15ebd637998e93264a5292","headings":["Bottom line","1. The three statutory starting figures are authenticated, but they are not automatically the October 2026 figures","2. The adjustment mechanism and relevant anniversary can be bounded","3. DoBS expressly promised annual Pennsylvania Bulletin publication","4. The current annual notice was not found in the official 2025 or 2026 Bulletin indexes","5. The 2026 anniversary issues themselves do not contain the notice in their DoBS contents","6. Nothing published through October 24, 2026 in the current issue cures the gap","7. No rounding instruction was authenticated","Supplied evidence not relabeled as new evidence","Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Medium","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_PA/pass-02","facets":{"geography":["us","us-pa"],"debt_type":[],"stage":[],"subject":["fees-outcomes"]},"scope":"ONLY authenticate the DMSA section15(i) annual adjusted consultation, per-initial-account and monthly aggregate maxima actually applicable on October24,2026. Locate and read the operative DoBS annual notice(s), exact period/effective trigger and any rounding instructions; reconcile printed50/10/50 base amounts with the actual controlling notice. SourceS010 was an unrelated/insufficient Gazette lead, not a cleared current fee schedule. If more than one period or notice is needed, trace it with exact dates; do not calculate a new CPI amount or guess. No repeat DMP classification, worked math, federal overview, DSSA allocation, licensing, seven-day interpretation or NMLS package work. Preserve those distinct later questions.","pending_corrections":0},"markdown":"# S_PA PASS-02 — Pennsylvania DMSA §15(i) annual adjusted fee maxima\n\n**Scope:** only the current indexed DMSA consultation fee, per-initial-account monthly amount, aggregate monthly maximum, adjustment period/effective trigger, publication trail, and rounding instructions.\n\n**Actual public-web access date:** **October 24, 2026, Pacific.**\n\n## Bottom line\n\nI **cannot authenticate an exact October 24, 2026 dollar maximum** for any of the three indexed DMS figures from an operative DoBS annual notice.\n\nWhat is authenticated is narrower but important:\n\n- The enacted §15 base figures are **$50 initial consultation**, **$10 × accounts initially included**, and **$50 aggregate monthly maximum**. [Pennsylvania General Assembly](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117..HTM)\n- Section 15(i) requires annual CPI-linked increases and bars negative adjustments from deflation. [Pennsylvania General Assembly](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117..HTM)\n- The Act took effect **February 6, 2009**. [Pennsylvania Government](https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/debt%20management%20act%20secy%20letter%20010809.pdf)\n- DoBS’s January 8, 2009 implementation letter expressly interprets the inflation increases as beginning with the **12-month period following the effective date**, and states that DoBS **“will publish these fee increases annually in the Pennsylvania Bulletin.”** [Pennsylvania Government+1](https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/debt%20management%20act%20secy%20letter%20010809.pdf)\n- However, the official **January–December 2025 Pennsylvania Bulletin subject index** contains no Banking and Securities entry for a DMSA fee adjustment, and the official **January–September 2026 subject index** likewise contains no such entry. Both indexes list other DoBS notices specifically, including mortgage-rate notices and other adjustments. [Pennsylvania Code & Bulletin+3](https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol56/56-1/56-1_subject-index.pdf)\n- The Pennsylvania Bulletin issues immediately around the 2026 anniversary—January 31, February 7, February 14 and February 21—also show no DoBS DMS fee-adjustment notice in their Banking and Securities contents. [Pennsylvania Code & Bulletin+3](https://pacodeandbulletin.gov/Home/volume?issue=5&vol=56)\n- The **October 24, 2026 current issue** likewise contains only “Actions on Applications” under DoBS, not a DMS fee schedule. [Pennsylvania Code & Bulletin](https://pacodeandbulletin.gov/Home/volume?issue=43&vol=56)\n- No primary DoBS page or document located in this pass supplied an authoritative current adjusted numerical schedule or a rounding rule.\n\nAccordingly, **PASS-01’s hold should remain in force.** It would be unsupported to turn §15(i) into a self-calculated 2026 figure, even if the relevant CPI series could be reconstructed.\n\n# A. Findings\n\n## 1. The three statutory starting figures are authenticated, but they are not automatically the October 2026 figures\n\nSection 15(a) says a licensee may charge no more than **$50** for the initial consultation. Section 15(b) says the monthly maintenance fee may not exceed **$10 times the number of accounts initially included**, subject to a **$50 total monthly ceiling**. Section 15(i), however, immediately subjects “the fee limits provided in this section” to annual inflation adjustment. [Pennsylvania General Assembly](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117..HTM)\n\nTherefore the three relevant starting figures are:\n\n| Component | Enacted figure | October 24, 2026 authenticated figure |\n| --- | --- | --- |\n| Initial consultation | $50 | **HELD — not authenticated** |\n| Monthly amount per account initially included | $10 | **HELD — not authenticated** |\n| Aggregate monthly maintenance ceiling | $50 | **HELD — not authenticated** |\n\n**S_PA-P2-C001 through C003.**\n\nThe fact that unofficial current statute reproductions still print $50 / $10 / $50 does not prove those are the operative indexed dollar figures. Section 15(i) itself says the limits are adjusted annually. The statutory printed figures remain the enacted bases. [Pennsylvania General Assembly](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117..HTM)\n\n## 2. The adjustment mechanism and relevant anniversary can be bounded\n\nThe DMSA was enacted October 9, 2008 and §50 made it effective 120 days later. DoBS’s contemporaneous official letter states the concrete effective date: **February 6, 2009**. [Pennsylvania General Assembly+1](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117..HTM)\n\nSection 15(i) requires the fee limits to be increased by the percentage change, if any, in the specified CPI-U measure for the “most recent 12-month period” officially reported by BLS immediately before the adjustment is due to take effect, with no negative COLA from deflation. [Pennsylvania General Assembly](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117..HTM)\n\nThere is a wording point worth preserving rather than smoothing over:\n\n- The statute says: “For the 12-month period beginning with the effective date of this act, and annually thereafter,” the limits shall be increased. [Pennsylvania General Assembly](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117..HTM)\n- DoBS’s January 8, 2009 implementation letter says the initial-consultation and monthly-maintenance fees “are to be increased annually for inflation **beginning with the 12-month period following the effective date** of the DMSA.” [Pennsylvania Government+1](https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/debt%20management%20act%20secy%20letter%20010809.pdf)\n\nOn the agency’s contemporaneous operational reading, the first indexed period followed the initial February 6, 2009–February 5, 2010 year; the recurring adjustment cycle therefore keys to **February 6**. I am treating that as **official agency implementation guidance**, not rewriting the statutory text into a judicial holding. **S_PA-P2-C004 through C006.**\n\n## 3. DoBS expressly promised annual Pennsylvania Bulletin publication\n\nThe January 8, 2009 letter is unusually direct:\n\n“The Department will publish these fee increases annually in the Pennsylvania Bulletin.”\n\nThe quoted language is nine words excluding the preceding sentence, within the source quotation limit. The letter specifically identifies the “initial consultation fee” and “monthly maintenance fee” as the two inflation-adjusted fee categories. [Pennsylvania Government+1](https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/debt%20management%20act%20secy%20letter%20010809.pdf)\n\nFor the monthly fee, §15(b) itself contains **two numerical limits**—the per-initial-account amount and the aggregate ceiling. Because the present assignment asks for both numbers, neither is being presumed current without the actual schedule.\n\n**S_PA-P2-C007.**\n\n## 4. The current annual notice was not found in the official 2025 or 2026 Bulletin indexes\n\nThis is stronger than a generic search failure.\n\nThe official **January–December 2025 cumulative subject index** identifies the Banking and Securities material published in the Bulletin that year. Its DoBS list includes:\n\n- actions on applications,\n- the Loan Interest and Protection Law “base figure” adjustment,\n- assessments rulemaking,\n- the nonregulatory-document catalog,\n- IRRC items,\n- regulatory agendas,\n- a virtual-currency policy rescission,\n- and monthly residential-mortgage-rate notices.\n\nThere is **no indexed Debt Management Services Act fee-adjustment notice**. [Pennsylvania Code & Bulletin+1](https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol56/56-1/56-1_subject-index.pdf)\n\nLikewise, the official **January–September 2026 cumulative subject index** lists the DoBS materials for those nine months—applications, assessments, catalog, agendas, reorganization and monthly mortgage-rate notices—but **no DMSA fee-adjustment notice**. [Pennsylvania Code & Bulletin+1](https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol56/56-40/56-40_subject-index.pdf)\n\nThese are official Bulletin indexes, not search-engine snippets. They substantially weaken the hypothesis that an ordinary indexed annual DMS notice was published in either 2025 or the first nine months of 2026 under a recognizable Banking and Securities entry.\n\nThey do **not** prove that no non-indexed communication, licensing instruction, interpretive letter, examination directive or legacy schedule exists.\n\n**S_PA-P2-C008–C009.**\n\n## 5. The 2026 anniversary issues themselves do not contain the notice in their DoBS contents\n\nBecause February 6 is the relevant annual timing point under DoBS’s implementation guidance, I separately checked the surrounding Bulletin issues:\n\n- **January 31, 2026 — Volume 56 No. 5:** DoBS lists only “Actions on Applications.” [Pennsylvania Code & Bulletin](https://pacodeandbulletin.gov/Home/volume?issue=5&vol=56)\n- **February 7, 2026 — Volume 56 No. 6:** DoBS lists only “Actions on Applications.” [Pennsylvania Code & Bulletin](https://pacodeandbulletin.gov/Home/volume?issue=6&vol=56)\n- **February 14, 2026 — Volume 56 No. 7:** DoBS lists “Actions on Applications” plus the March mortgage rate; no DMS fee notice. [Pennsylvania Code & Bulletin](https://pacodeandbulletin.gov/Home/volume?issue=7&vol=56)\n- **February 21, 2026 — Volume 56 No. 8:** DoBS lists only “Actions on Applications.” [Pennsylvania Code & Bulletin](https://pacodeandbulletin.gov/Home/volume?issue=8&vol=56)\n\nAs a historical cross-check, **February 6, 2010**, the first anniversary itself, likewise shows only “Actions on Applications” under the Department of Banking in that issue’s contents. That does not establish what happened in other 2010 issues, but it shows the first anniversary notice was not sitting in the obvious February 6 issue either. [Pennsylvania Code & Bulletin](https://pacodeandbulletin.gov/Home/volume?issue=6&vol=40)\n\n**S_PA-P2-C010.**\n\n## 6. Nothing published through October 24, 2026 in the current issue cures the gap\n\nThe Pennsylvania Bulletin site identifies **Volume 56 No. 43, Saturday, October 24, 2026** as the current issue. Under Department of Banking and Securities it lists only “Actions on Applications.” [Pennsylvania Code & Bulletin](https://pacodeandbulletin.gov/Home/volume?issue=43&vol=56)\n\nThe January–September cumulative index says its next cumulative subject index will be published in January, so there is not yet an official January–October cumulative index to rely on. [Pennsylvania Code & Bulletin](https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol56/56-40/56-40_subject-index.pdf)\n\nThus the strongest current conclusion is:\n\n**No operative DoBS annual notice establishing the February 2026 indexed DMSA amounts was authenticated in this pass.**\n\nThat is not equivalent to saying “no such notice exists.”\n\n**S_PA-P2-C011.**\n\n## 7. No rounding instruction was authenticated\n\nSection 15(i) specifies:\n\n- the CPI measure,\n- a 12-month comparison period,\n- the timing of the official BLS data used,\n- and the no-negative-adjustment rule.\n\nIt does **not**, in the text read here, specify whether the adjusted fee limits are rounded to the nearest cent, dime, dollar, whole percentage point or by some other method. [Pennsylvania General Assembly](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117..HTM)\n\nThe January 2009 DoBS letter promises annual publication but contains no rounding instruction. [Pennsylvania Government+1](https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/debt%20management%20act%20secy%20letter%20010809.pdf)\n\nBecause the requested operative notice was not found, **rounding remains HELD**. I did not reverse-engineer an amount from CPI data.\n\n**S_PA-P2-C012.**\n\n# B. PASS-02 source register\n\n| Source ID | Document / issuer | Direct literal URL | Exact material read | Status / access date / limitation |\n| --- | --- | --- | --- | --- |\n| **S_PA-P2-S001** | 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 | §15(a), §15(b), §15(i), §50; lines 695–742 and 875–876 on retrieved page | **Enacted statute; freshly read 2026-10-24.** Establishes base figures and adjustment mechanism. Does not itself display the resulting 2026 indexed dollars or rounding convention. [Pennsylvania General Assembly+1](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117..HTM) |\n| **S_PA-P2-S002** | 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 | p.1 effective date; p.3 “Permissible Fees,” including annual-increase timing and Bulletin-publication statement | **Official historical agency guidance; freshly opened/read and page inspected 2026-10-24.** Not legislation or a current annual fee notice. [Pennsylvania Government+1](https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/debt%20management%20act%20secy%20letter%20010809.pdf) |\n| **S_PA-P2-S003** | Pennsylvania Bulletin Subject Index, January–December 2025 — Legislative Reference Bureau | https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol56/56-1/56-1_subject-index.pdf | Intro pp.1–2; Banking and Securities index at printed p.162/PDF p.4, lines 183–210 | **Official 2025 cumulative Bulletin index; freshly opened/read and screenshot inspected 2026-10-24.** No DMSA fee-adjustment entry under Banking and Securities. Absence from index is evidence, not proof against every possible non-indexed agency document. [Pennsylvania Code & Bulletin+1](https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol56/56-1/56-1_subject-index.pdf) |\n| **S_PA-P2-S004** | Pennsylvania Bulletin Subject Index, January–September 2026 — Legislative Reference Bureau | https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol56/56-40/56-40_subject-index.pdf | Intro; Banking and Securities index at printed p.6606/PDF p.4, lines 168–189 | **Official cumulative Bulletin index through Sept. 2026; freshly opened/read and screenshot inspected 2026-10-24.** No indexed DMSA fee adjustment. Index states next cumulative index comes in January. [Pennsylvania Code & Bulletin+1](https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol56/56-40/56-40_subject-index.pdf) |\n| **S_PA-P2-S005** | Pennsylvania Bulletin Vol.56 No.5, January 31, 2026 | https://pacodeandbulletin.gov/Home/volume?issue=5&vol=56 | Contents, Banking and Securities entry | **Official Bulletin issue; freshly read 2026-10-24.** DoBS content shows only Actions on Applications. [Pennsylvania Code & Bulletin](https://pacodeandbulletin.gov/Home/volume?issue=5&vol=56) |\n| **S_PA-P2-S006** | Pennsylvania Bulletin Vol.56 No.6, February 7, 2026 | https://pacodeandbulletin.gov/Home/volume?issue=6&vol=56 | Lines 27–33; 86–90; 264–267 | **Official Bulletin issue; freshly read 2026-10-24.** First issue immediately after Feb.6 anniversary; no DMS fee notice in DoBS contents. [Pennsylvania Code & Bulletin](https://pacodeandbulletin.gov/Home/volume?issue=6&vol=56) |\n| **S_PA-P2-S007** | Pennsylvania Bulletin Vol.56 No.7, February 14, 2026 | https://pacodeandbulletin.gov/Home/volume?issue=7&vol=56 | Banking and Securities contents | **Official Bulletin issue; freshly read 2026-10-24.** No DMS fee notice. [Pennsylvania Code & Bulletin](https://pacodeandbulletin.gov/Home/volume?issue=7&vol=56) |\n| **S_PA-P2-S008** | Pennsylvania Bulletin Vol.56 No.8, February 21, 2026 | https://pacodeandbulletin.gov/Home/volume?issue=8&vol=56 | Banking and Securities contents | **Official Bulletin issue; freshly read 2026-10-24.** No DMS fee notice. [Pennsylvania Code & Bulletin](https://pacodeandbulletin.gov/Home/volume?issue=8&vol=56) |\n| **S_PA-P2-S009** | Pennsylvania Bulletin Vol.56 No.43, October 24, 2026 | https://pacodeandbulletin.gov/Home/volume?issue=43&vol=56 | Lines 27–55 and 227–253 | **Official current issue on access date; freshly read 2026-10-24.** DoBS has only Actions on Applications. [Pennsylvania Code & Bulletin](https://pacodeandbulletin.gov/Home/volume?issue=43&vol=56) |\n| **S_PA-P2-S010** | Pennsylvania Bulletin Vol.40 No.6, February 6, 2010 | https://pacodeandbulletin.gov/Home/volume?issue=6&vol=40 | Lines 27–66 and 318–327 | **Official historical anniversary issue; freshly read 2026-10-24.** No DMS fee notice in that issue. Limited historical cross-check only. [Pennsylvania Code & Bulletin](https://pacodeandbulletin.gov/Home/volume?issue=6&vol=40) |\n| **S_PA-P2-S011** | DoBS Laws, Acts, and Regulations page | https://www.pa.gov/agencies/dobs/statutes | Current page identifying DMSA among statutes administered by DoBS | **Current official procedure/background page; freshly retrieved 2026-10-24.** Does not provide indexed fee values. [Pennsylvania Government](https://www.pa.gov/agencies/dobs/statutes?utm_source=chatgpt.com) |\n| **S_PA-P2-S012** | DoBS Non-Bank Licensees page | https://www.pa.gov/agencies/dobs/non-bank-licensees | Current debt-servicer section | **Current official operational page; freshly retrieved 2026-10-24.** Does not display a DMS §15(i) consumer-fee schedule. [Pennsylvania Government](https://www.pa.gov/agencies/dobs/non-bank-licensees?utm_source=chatgpt.com) |\n\n### Supplied evidence not relabeled as new evidence\n\nPASS-01 supplied S002/S009/S010/S016 and claims C020–C022. Those records remain part of the dossier. PASS-02 source IDs above identify documents actually accessed during this pass rather than renaming the supplied records as if newly discovered.\n\n# C. PASS-02 material claim register\n\n| Claim ID | Precise assertion | Source / pinpoint | Conditions / confidence |\n| --- | --- | --- | --- |\n| **S_PA-P2-C001** | Enacted §15(a) base is $50 for the consultation. | S_PA-P2-S001 §15(a), lines 695–698 | **High — statutory text.** Not certified as current indexed dollar ceiling. |\n| **S_PA-P2-C002** | Enacted §15(b) base is $10 times accounts initially included. | S_PA-P2-S001 §15(b), lines 699–704 | **High — statutory text.** Current indexed per-account amount held. |\n| **S_PA-P2-C003** | Enacted §15(b) aggregate base ceiling is $50 monthly. | S_PA-P2-S001 §15(b), lines 699–704 | **High — statutory text.** Current indexed aggregate held. |\n| **S_PA-P2-C004** | §15(i) requires annual CPI-U-linked increases and bars negative deflation adjustments. | S_PA-P2-S001 §15(i), lines 733–742 | **High — statutory text.** Does not state resulting 2026 dollars. |\n| **S_PA-P2-C005** | DMSA effective date was February 6, 2009. | S_PA-P2-S002 p.1; S_PA-P2-S001 §50 | **High.** Concrete date supplied by contemporaneous DoBS implementation letter; §50 says 120 days. |\n| **S_PA-P2-C006** | DoBS contemporaneously interpreted the indexed increases as beginning with the 12-month period following the DMSA effective date. | S_PA-P2-S002 p.3 | **High as agency guidance; not judicial holding.** Supports Feb.6 recurring cycle. |\n| **S_PA-P2-C007** | DoBS said it would publish the fee increases annually in the Pennsylvania Bulletin. | S_PA-P2-S002 p.3 | **High as express agency statement.** Does not establish that publication actually occurred every year. |\n| **S_PA-P2-C008** | The official 2025 cumulative Bulletin index has no DMSA fee-adjustment entry under Banking and Securities. | S_PA-P2-S003 printed p.162/PDF p.4 | **High as to index contents.** Does not rule out an unindexed document elsewhere. |\n| **S_PA-P2-C009** | The official Jan.–Sept. 2026 cumulative Bulletin index likewise has no DMSA fee-adjustment entry. | S_PA-P2-S004 printed p.6606/PDF p.4 | **High as to index contents.** October–December not covered by that cumulative index. |\n| **S_PA-P2-C010** | The Jan.31, Feb.7, Feb.14 and Feb.21, 2026 Bulletin issues do not list a DoBS DMSA fee-adjustment notice. | S_PA-P2-S005–S008 | **High as to issue contents.** Those issues bracket the Feb.6 anniversary. |\n| **S_PA-P2-C011** | No October 24 current-issue publication cures the missing 2026 notice; current exact DMS indexed amounts remain unauthenticated. | S_PA-P2-S009 plus C008–C010 | **High on observed official sources; conclusion remains a hold rather than “notice does not exist.”** |\n| **S_PA-P2-C012** | No rounding instruction was authenticated from §15(i), the 2009 letter, or an operative annual notice. | S_PA-P2-S001 §15(i); S_PA-P2-S002 p.3; absence of retrieved operative notice | **HELD.** No self-created rounding method permitted. |\n| **S_PA-P2-C013** | It would be unsupported in this dossier to derive the October 2026 dollar ceilings by doing a fresh CPI calculation. | C001–C012 | **High methodological conclusion.** User expressly required notice authentication and prohibited invented CPI calculation. |\n\n# D. Earlier-claim patch map\n\n| Earlier claim ID | PASS-01 wording | PASS-02 disposition | Replacement / qualification |\n| --- | --- | --- | --- |\n| **S_PA-P1-C020** | “DMSA’s printed initial-consultation base ceiling is $50… Exact current adjusted ceiling held.” | **RETAIN; strengthened hold.** | $50 is authenticated as the enacted §15(a) base. No operative DoBS annual notice establishing the October 24, 2026 adjusted dollar ceiling was authenticated. Current exact ceiling remains **HELD**. See S_PA-P2-C001, C004, C006–C012. |\n| **S_PA-P1-C021** | “Printed DMS monthly base ceiling is min($10 × initially included accounts, $50/month)… Exact adjusted amounts held.” | **RETAIN; strengthened hold.** | $10 per initially included account and $50 monthly aggregate are authenticated enacted bases. Exact October 24, 2026 adjusted per-account and aggregate amounts remain **HELD**. See S_PA-P2-C002–C004, C008–C012. |\n| **S_PA-P1-C022** | “§15(i) requires annual regional CPI-U increases… current operative numerical amounts were not verified… exact current amounts and rounding held.” | **RETAIN with evidence upgrade.** | PASS-02 freshly verified §15(i), DoBS’s Feb.6-based implementation guidance, its promise of annual Bulletin publication, and official 2025/2026 Bulletin indexes/anniversary issues. No operative current fee notice or rounding rule was authenticated. Exact current amounts and rounding remain **HELD**. See S_PA-P2-C004–C013. |\n\n**No PASS-01 numeric claim is upgraded to a current adjusted dollar amount.**\n\n# E. Failed-route table\n\nThese are failed or nonproductive routes from this pass; they are not substantive evidence of a fee amount.\n\n| Failed-route ID | Route / search | Result | Evidentiary treatment |\n| --- | --- | --- | --- |\n| **S_PA-P2-FR001** | Web searches for exact phrases such as \"Debt Management Services Act Fee Adjustment\", \"Debt Management Services Fee Adjustment\", \"initial consultation\" + Pennsylvania Bulletin, and \"63 P.S. §2415\" + 2026 | Did not surface an operative current DoBS notice; results repeatedly returned the 2009 letter, statute/cases, or unrelated material. | Discovery failure only; no conclusion that notice cannot exist. |\n| **S_PA-P2-FR002** | DoBS pa.gov/content/dam/.../dobs searches for debt-management fee increase / fee limits / consultation fee | Surfaced the 2009 Secretary’s letter but no current annual notice. | Supports search-history transparency only. |\n| **S_PA-P2-FR003** | Attempted 2025 year-end subject-index URL .../vol55/55-52/55-52_subject-index.pdf | Inaccessible by the browsing tool. | Recovered the actual annual 2025 index via **Volume 56 No.1 Part II**, S_PA-P2-S003. |\n| **S_PA-P2-FR004** | Attempted historical vol41/41-1/41-1_subject-index.pdf | Inaccessible through tool. | No historical absence claim based on this failure. |\n| **S_PA-P2-FR005** | Broad current DoBS statutes/non-bank pages | Current pages retrieved but contain no indexed §15(i) dollar schedule. | Useful as a negative current-page check only; not proof against internal/unindexed materials. |\n\n# F. Dependency / missing-evidence table\n\n| Dependency ID | Exact missing evidence | Why needed | Next permitted investigation |\n| --- | --- | --- | --- |\n| **S_PA-P2-D001** | The actual DoBS annual fee notice applicable beginning on or about **February 6, 2026**, or an official document explicitly carrying forward the operative dollar amounts | Required to authenticate the October 24, 2026 consultation/per-account/aggregate maxima | Search additional official Pennsylvania Bulletin full-text/document-number routes and any public DoBS archived licensing guidance that exposes the actual notice text. Do **not** calculate from CPI. |\n| **S_PA-P2-D002** | Any earlier notice chain that the 2026 notice incorporates or relies upon | Needed if current amounts are cumulative or stated by reference rather than restated in full | Trace only notices expressly linked by the current authoritative document. |\n| **S_PA-P2-D003** | Official rounding instruction, if any | Needed to know whether annual multiplication is rounded to cents, whole dollars, etc. | Read the operative notice/order or binding interpretation. No inferred rounding. |\n| **S_PA-P2-D004** | Proof whether DoBS ceased annual Bulletin publication, changed publication mechanism, or uses an unpublished examination/licensing schedule | Explains mismatch between the 2009 publication statement and recent Bulletin indexes | Search public agency archival/document routes; absent public evidence, leave status unknown rather than assume administrative practice. |\n\n# G. Granular scope coverage / gap table\n\n| PASS-02 subissue | Status | Claim IDs | Exact result |\n| --- | --- | --- | --- |\n| Enacted initial-consultation base | **Answered** | C001 | $50 base. |\n| Enacted per-initial-account monthly base | **Answered** | C002 | $10 base. |\n| Enacted aggregate monthly base | **Answered** | C003 | $50 base. |\n| Statutory adjustment formula | **Answered** | C004 | Annual specified CPI-U change; no negative deflation COLA. |\n| DMSA effective date | **Answered** | C005 | Feb.6, 2009. |\n| First/recurring adjustment timing | **Answered at agency-guidance level** | C006 | DoBS says increases begin with 12-month period following effective date; supports Feb.6 anniversary cycle. |\n| DoBS publication method originally announced | **Answered** | C007 | Annual Pennsylvania Bulletin publication. |\n| 2025 Bulletin evidence | **Answered** | C008 | No DMS fee-adjustment entry in official annual index. |\n| Jan.–Sept. 2026 Bulletin evidence | **Answered** | C009 | No DMS fee-adjustment entry in official cumulative index. |\n| Feb.2026 anniversary issues | **Answered** | C010 | No listed DMS fee-adjustment notice in checked surrounding issues. |\n| Oct.24, 2026 current issue | **Answered** | C011 | No current-issue fee notice. |\n| Exact October 24, 2026 consultation maximum | **UNRESOLVED / HELD** | C001, C004, C011–C013 | No authenticated operative annual notice. |\n| Exact October 24, 2026 per-account maximum | **UNRESOLVED / HELD** | C002, C004, C011–C013 | Same. |\n| Exact October 24, 2026 aggregate monthly maximum | **UNRESOLVED / HELD** | C003–C004, C011–C013 | Same. |\n| Current rounding instruction | **UNRESOLVED / HELD** | C012 | None authenticated. |\n| Independent CPI reconstruction | **EXCLUDED intentionally** | C013 | User prohibited calculation/guessing in lieu of controlling notice. |\n| DSSA seven-day/business-day issue | **OPEN — outside PASS-02** | — | Not investigated. |\n| Attorney/incidental DSS fee boundaries | **OPEN — outside PASS-02** | — | Not investigated. |\n| Installment true-up | **OPEN — outside PASS-02** | — | Not investigated. |\n| NMLS package/provider status | **OPEN — outside PASS-02** | — | Not investigated. |\n| Funds/bond/agreements/remedies/case-law/full state categories | **OPEN — outside PASS-02** | — | Not investigated. |\n\n## Researcher self-check\n\nI **freshly read** the statutory §15 fee and indexing language; the current official 2009 DoBS letter including its fee-publication passage; the official 2025 annual Bulletin index; the official January–September 2026 Bulletin index; the relevant 2026 anniversary issue contents; and the October 24, 2026 current issue. For the PDF sources, the relevant pages were also visually inspected.\n\nI **did not** obtain or read an operative 2026 DoBS annual fee-adjustment notice because no such primary document was surfaced through the public routes checked. I therefore did not manufacture a fee by CPI arithmetic, did not adopt a secondary state chart, and did not infer a rounding convention.\n\nThe supplied coordinator review is reuse context, **not independent review**, and I do not characterize this self-check as independent review. I did not verify the UI model/mode, make local-save claims, claim Pennsylvania is complete, or claim publication readiness.\n\n**Most important patch result:** **S_PA-P1-C020, C021 and C022 remain numerically held for current indexed values. PASS-02 adds materially stronger primary evidence explaining why that hold remains necessary rather than clearing it.**\n\n**END S_PA PASS-02**\n\n","tables":[{"headers":["Component","Enacted figure","October 24, 2026 authenticated figure"],"index":0,"links":[],"row_links":[[],[],[],[]],"rows":[["Component","Enacted figure","October 24, 2026 authenticated figure"],["Initial consultation","$50","HELD — not authenticated"],["Monthly amount per account initially included","$10","HELD — not authenticated"],["Aggregate monthly maintenance ceiling","$50","HELD — not authenticated"]]},{"headers":["Source ID","Document / issuer","Direct literal URL","Exact material read","Status / access date / limitation"],"index":1,"links":[{"href":"https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117..HTM","text":"Pennsylvania General Assembly\n+1"},{"href":"https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/debt%20management%20act%20secy%20letter%20010809.pdf","text":"Pennsylvania Government\n+1"},{"href":"https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol56/56-1/56-1_subject-index.pdf","text":"Pennsylvania Code & Bulletin\n+1"},{"href":"https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol56/56-40/56-40_subject-index.pdf","text":"Pennsylvania Code & Bulletin\n+1"},{"href":"https://pacodeandbulletin.gov/Home/volume?issue=5&vol=56","text":"Pennsylvania Code & Bulletin"},{"href":"https://pacodeandbulletin.gov/Home/volume?issue=6&vol=56","text":"Pennsylvania Code & Bulletin"},{"href":"https://pacodeandbulletin.gov/Home/volume?issue=7&vol=56","text":"Pennsylvania Code & Bulletin"},{"href":"https://pacodeandbulletin.gov/Home/volume?issue=8&vol=56","text":"Pennsylvania Code & Bulletin"},{"href":"https://pacodeandbulletin.gov/Home/volume?issue=43&vol=56","text":"Pennsylvania Code & Bulletin"},{"href":"https://pacodeandbulletin.gov/Home/volume?issue=6&vol=40","text":"Pennsylvania Code & Bulletin"},{"href":"https://www.pa.gov/agencies/dobs/statutes?utm_source=chatgpt.com","text":"Pennsylvania Government"},{"href":"https://www.pa.gov/agencies/dobs/non-bank-licensees?utm_source=chatgpt.com","text":"Pennsylvania Government"}],"row_links":[[],[{"href":"https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117..HTM","text":"Pennsylvania General Assembly\n+1"}],[{"href":"https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/debt%20management%20act%20secy%20letter%20010809.pdf","text":"Pennsylvania Government\n+1"}],[{"href":"https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol56/56-1/56-1_subject-index.pdf","text":"Pennsylvania Code & Bulletin\n+1"}],[{"href":"https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol56/56-40/56-40_subject-index.pdf","text":"Pennsylvania Code & Bulletin\n+1"}],[{"href":"https://pacodeandbulletin.gov/Home/volume?issue=5&vol=56","text":"Pennsylvania Code & Bulletin"}],[{"href":"https://pacodeandbulletin.gov/Home/volume?issue=6&vol=56","text":"Pennsylvania Code & Bulletin"}],[{"href":"https://pacodeandbulletin.gov/Home/volume?issue=7&vol=56","text":"Pennsylvania Code & Bulletin"}],[{"href":"https://pacodeandbulletin.gov/Home/volume?issue=8&vol=56","text":"Pennsylvania Code & Bulletin"}],[{"href":"https://pacodeandbulletin.gov/Home/volume?issue=43&vol=56","text":"Pennsylvania Code & Bulletin"}],[{"href":"https://pacodeandbulletin.gov/Home/volume?issue=6&vol=40","text":"Pennsylvania Code & Bulletin"}],[{"href":"https://www.pa.gov/agencies/dobs/statutes?utm_source=chatgpt.com","text":"Pennsylvania Government"}],[{"href":"https://www.pa.gov/agencies/dobs/non-bank-licensees?utm_source=chatgpt.com","text":"Pennsylvania Government"}]],"rows":[["Source ID","Document / issuer","Direct literal URL","Exact material read","Status / access date / limitation"],["S_PA-P2-S001","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","§15(a), §15(b), §15(i), §50; lines 695–742 and 875–876 on retrieved page","Enacted statute; freshly read 2026-10-24. Establishes base figures and adjustment mechanism. Does not itself display the resulting 2026 indexed dollars or rounding convention. \nPennsylvania General Assembly\n+1"],["S_PA-P2-S002","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","p.1 effective date; p.3 “Permissible Fees,” including annual-increase timing and Bulletin-publication statement","Official historical agency guidance; freshly opened/read and page inspected 2026-10-24. Not legislation or a current annual fee notice. \nPennsylvania Government\n+1"],["S_PA-P2-S003","Pennsylvania Bulletin Subject Index, January–December 2025 — Legislative Reference Bureau","https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol56/56-1/56-1_subject-index.pdf","Intro pp.1–2; Banking and Securities index at printed p.162/PDF p.4, lines 183–210","Official 2025 cumulative Bulletin index; freshly opened/read and screenshot inspected 2026-10-24. No DMSA fee-adjustment entry under Banking and Securities. Absence from index is evidence, not proof against every possible non-indexed agency document. \nPennsylvania Code & Bulletin\n+1"],["S_PA-P2-S004","Pennsylvania Bulletin Subject Index, January–September 2026 — Legislative Reference Bureau","https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol56/56-40/56-40_subject-index.pdf","Intro; Banking and Securities index at printed p.6606/PDF p.4, lines 168–189","Official cumulative Bulletin index through Sept. 2026; freshly opened/read and screenshot inspected 2026-10-24. No indexed DMSA fee adjustment. Index states next cumulative index comes in January. \nPennsylvania Code & Bulletin\n+1"],["S_PA-P2-S005","Pennsylvania Bulletin Vol.56 No.5, January 31, 2026","https://pacodeandbulletin.gov/Home/volume?issue=5&vol=56","Contents, Banking and Securities entry","Official Bulletin issue; freshly read 2026-10-24. DoBS content shows only Actions on Applications. \nPennsylvania Code & Bulletin"],["S_PA-P2-S006","Pennsylvania Bulletin Vol.56 No.6, February 7, 2026","https://pacodeandbulletin.gov/Home/volume?issue=6&vol=56","Lines 27–33; 86–90; 264–267","Official Bulletin issue; freshly read 2026-10-24. First issue immediately after Feb.6 anniversary; no DMS fee notice in DoBS contents. \nPennsylvania Code & Bulletin"],["S_PA-P2-S007","Pennsylvania Bulletin Vol.56 No.7, February 14, 2026","https://pacodeandbulletin.gov/Home/volume?issue=7&vol=56","Banking and Securities contents","Official Bulletin issue; freshly read 2026-10-24. No DMS fee notice. \nPennsylvania Code & Bulletin"],["S_PA-P2-S008","Pennsylvania Bulletin Vol.56 No.8, February 21, 2026","https://pacodeandbulletin.gov/Home/volume?issue=8&vol=56","Banking and Securities contents","Official Bulletin issue; freshly read 2026-10-24. No DMS fee notice. \nPennsylvania Code & Bulletin"],["S_PA-P2-S009","Pennsylvania Bulletin Vol.56 No.43, October 24, 2026","https://pacodeandbulletin.gov/Home/volume?issue=43&vol=56","Lines 27–55 and 227–253","Official current issue on access date; freshly read 2026-10-24. DoBS has only Actions on Applications. \nPennsylvania Code & Bulletin"],["S_PA-P2-S010","Pennsylvania Bulletin Vol.40 No.6, February 6, 2010","https://pacodeandbulletin.gov/Home/volume?issue=6&vol=40","Lines 27–66 and 318–327","Official historical anniversary issue; freshly read 2026-10-24. No DMS fee notice in that issue. Limited historical cross-check only. \nPennsylvania Code & Bulletin"],["S_PA-P2-S011","DoBS Laws, Acts, and Regulations page","https://www.pa.gov/agencies/dobs/statutes","Current page identifying DMSA among statutes administered by DoBS","Current official procedure/background page; freshly retrieved 2026-10-24. Does not provide indexed fee values. \nPennsylvania Government"],["S_PA-P2-S012","DoBS Non-Bank Licensees page","https://www.pa.gov/agencies/dobs/non-bank-licensees","Current debt-servicer section","Current official operational page; freshly retrieved 2026-10-24. Does not display a DMS §15(i) consumer-fee schedule. \nPennsylvania Government"]]},{"headers":["Claim ID","Precise assertion","Source / pinpoint","Conditions / confidence"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Source / pinpoint","Conditions / confidence"],["S_PA-P2-C001","Enacted §15(a) base is $50 for the consultation.","S_PA-P2-S001 §15(a), lines 695–698","High — statutory text. Not certified as current indexed dollar ceiling."],["S_PA-P2-C002","Enacted §15(b) base is $10 times accounts initially included.","S_PA-P2-S001 §15(b), lines 699–704","High — statutory text. Current indexed per-account amount held."],["S_PA-P2-C003","Enacted §15(b) aggregate base ceiling is $50 monthly.","S_PA-P2-S001 §15(b), lines 699–704","High — statutory text. Current indexed aggregate held."],["S_PA-P2-C004","§15(i) requires annual CPI-U-linked increases and bars negative deflation adjustments.","S_PA-P2-S001 §15(i), lines 733–742","High — statutory text. Does not state resulting 2026 dollars."],["S_PA-P2-C005","DMSA effective date was February 6, 2009.","S_PA-P2-S002 p.1; S_PA-P2-S001 §50","High. Concrete date supplied by contemporaneous DoBS implementation letter; §50 says 120 days."],["S_PA-P2-C006","DoBS contemporaneously interpreted the indexed increases as beginning with the 12-month period following the DMSA effective date.","S_PA-P2-S002 p.3","High as agency guidance; not judicial holding. Supports Feb.6 recurring cycle."],["S_PA-P2-C007","DoBS said it would publish the fee increases annually in the Pennsylvania Bulletin.","S_PA-P2-S002 p.3","High as express agency statement. Does not establish that publication actually occurred every year."],["S_PA-P2-C008","The official 2025 cumulative Bulletin index has no DMSA fee-adjustment entry under Banking and Securities.","S_PA-P2-S003 printed p.162/PDF p.4","High as to index contents. Does not rule out an unindexed document elsewhere."],["S_PA-P2-C009","The official Jan.–Sept. 2026 cumulative Bulletin index likewise has no DMSA fee-adjustment entry.","S_PA-P2-S004 printed p.6606/PDF p.4","High as to index contents. October–December not covered by that cumulative index."],["S_PA-P2-C010","The Jan.31, Feb.7, Feb.14 and Feb.21, 2026 Bulletin issues do not list a DoBS DMSA fee-adjustment notice.","S_PA-P2-S005–S008","High as to issue contents. Those issues bracket the Feb.6 anniversary."],["S_PA-P2-C011","No October 24 current-issue publication cures the missing 2026 notice; current exact DMS indexed amounts remain unauthenticated.","S_PA-P2-S009 plus C008–C010","High on observed official sources; conclusion remains a hold rather than “notice does not exist.”"],["S_PA-P2-C012","No rounding instruction was authenticated from §15(i), the 2009 letter, or an operative annual notice.","S_PA-P2-S001 §15(i); S_PA-P2-S002 p.3; absence of retrieved operative notice","HELD. No self-created rounding method permitted."],["S_PA-P2-C013","It would be unsupported in this dossier to derive the October 2026 dollar ceilings by doing a fresh CPI calculation.","C001–C012","High methodological conclusion. User expressly required notice authentication and prohibited invented CPI calculation."]]},{"headers":["Earlier claim ID","PASS-01 wording","PASS-02 disposition","Replacement / qualification"],"index":3,"links":[],"row_links":[[],[],[],[]],"rows":[["Earlier claim ID","PASS-01 wording","PASS-02 disposition","Replacement / qualification"],["S_PA-P1-C020","“DMSA’s printed initial-consultation base ceiling is $50… Exact current adjusted ceiling held.”","RETAIN; strengthened hold.","$50 is authenticated as the enacted §15(a) base. No operative DoBS annual notice establishing the October 24, 2026 adjusted dollar ceiling was authenticated. Current exact ceiling remains HELD. See S_PA-P2-C001, C004, C006–C012."],["S_PA-P1-C021","“Printed DMS monthly base ceiling is min($10 × initially included accounts, $50/month)… Exact adjusted amounts held.”","RETAIN; strengthened hold.","$10 per initially included account and $50 monthly aggregate are authenticated enacted bases. Exact October 24, 2026 adjusted per-account and aggregate amounts remain HELD. See S_PA-P2-C002–C004, C008–C012."],["S_PA-P1-C022","“§15(i) requires annual regional CPI-U increases… current operative numerical amounts were not verified… exact current amounts and rounding held.”","RETAIN with evidence upgrade.","PASS-02 freshly verified §15(i), DoBS’s Feb.6-based implementation guidance, its promise of annual Bulletin publication, and official 2025/2026 Bulletin indexes/anniversary issues. No operative current fee notice or rounding rule was authenticated. Exact current amounts and rounding remain HELD. See S_PA-P2-C004–C013."]]},{"headers":["Failed-route ID","Route / search","Result","Evidentiary treatment"],"index":4,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Failed-route ID","Route / search","Result","Evidentiary treatment"],["S_PA-P2-FR001","Web searches for exact phrases such as \"Debt Management Services Act Fee Adjustment\", \"Debt Management Services Fee Adjustment\", \"initial consultation\" + Pennsylvania Bulletin, and \"63 P.S. §2415\" + 2026","Did not surface an operative current DoBS notice; results repeatedly returned the 2009 letter, statute/cases, or unrelated material.","Discovery failure only; no conclusion that notice cannot exist."],["S_PA-P2-FR002","DoBS pa.gov/content/dam/.../dobs searches for debt-management fee increase / fee limits / consultation fee","Surfaced the 2009 Secretary’s letter but no current annual notice.","Supports search-history transparency only."],["S_PA-P2-FR003","Attempted 2025 year-end subject-index URL .../vol55/55-52/55-52_subject-index.pdf","Inaccessible by the browsing tool.","Recovered the actual annual 2025 index via Volume 56 No.1 Part II, S_PA-P2-S003."],["S_PA-P2-FR004","Attempted historical vol41/41-1/41-1_subject-index.pdf","Inaccessible through tool.","No historical absence claim based on this failure."],["S_PA-P2-FR005","Broad current DoBS statutes/non-bank pages","Current pages retrieved but contain no indexed §15(i) dollar schedule.","Useful as a negative current-page check only; not proof against internal/unindexed materials."]]},{"headers":["Dependency ID","Exact missing evidence","Why needed","Next permitted investigation"],"index":5,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Dependency ID","Exact missing evidence","Why needed","Next permitted investigation"],["S_PA-P2-D001","The actual DoBS annual fee notice applicable beginning on or about February 6, 2026, or an official document explicitly carrying forward the operative dollar amounts","Required to authenticate the October 24, 2026 consultation/per-account/aggregate maxima","Search additional official Pennsylvania Bulletin full-text/document-number routes and any public DoBS archived licensing guidance that exposes the actual notice text. Do not calculate from CPI."],["S_PA-P2-D002","Any earlier notice chain that the 2026 notice incorporates or relies upon","Needed if current amounts are cumulative or stated by reference rather than restated in full","Trace only notices expressly linked by the current authoritative document."],["S_PA-P2-D003","Official rounding instruction, if any","Needed to know whether annual multiplication is rounded to cents, whole dollars, etc.","Read the operative notice/order or binding interpretation. No inferred rounding."],["S_PA-P2-D004","Proof whether DoBS ceased annual Bulletin publication, changed publication mechanism, or uses an unpublished examination/licensing schedule","Explains mismatch between the 2009 publication statement and recent Bulletin indexes","Search public agency archival/document routes; absent public evidence, leave status unknown rather than assume administrative practice."]]},{"headers":["PASS-02 subissue","Status","Claim IDs","Exact result"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["PASS-02 subissue","Status","Claim IDs","Exact result"],["Enacted initial-consultation base","Answered","C001","$50 base."],["Enacted per-initial-account monthly base","Answered","C002","$10 base."],["Enacted aggregate monthly base","Answered","C003","$50 base."],["Statutory adjustment formula","Answered","C004","Annual specified CPI-U change; no negative deflation COLA."],["DMSA effective date","Answered","C005","Feb.6, 2009."],["First/recurring adjustment timing","Answered at agency-guidance level","C006","DoBS says increases begin with 12-month period following effective date; supports Feb.6 anniversary cycle."],["DoBS publication method originally announced","Answered","C007","Annual Pennsylvania Bulletin publication."],["2025 Bulletin evidence","Answered","C008","No DMS fee-adjustment entry in official annual index."],["Jan.–Sept. 2026 Bulletin evidence","Answered","C009","No DMS fee-adjustment entry in official cumulative index."],["Feb.2026 anniversary issues","Answered","C010","No listed DMS fee-adjustment notice in checked surrounding issues."],["Oct.24, 2026 current issue","Answered","C011","No current-issue fee notice."],["Exact October 24, 2026 consultation maximum","UNRESOLVED / HELD","C001, C004, C011–C013","No authenticated operative annual notice."],["Exact October 24, 2026 per-account maximum","UNRESOLVED / HELD","C002, C004, C011–C013","Same."],["Exact October 24, 2026 aggregate monthly maximum","UNRESOLVED / HELD","C003–C004, C011–C013","Same."],["Current rounding instruction","UNRESOLVED / HELD","C012","None authenticated."],["Independent CPI reconstruction","EXCLUDED intentionally","C013","User prohibited calculation/guessing in lieu of controlling notice."],["DSSA seven-day/business-day issue","OPEN — outside PASS-02","—","Not investigated."],["Attorney/incidental DSS fee boundaries","OPEN — outside PASS-02","—","Not investigated."],["Installment true-up","OPEN — outside PASS-02","—","Not investigated."],["NMLS package/provider status","OPEN — outside PASS-02","—","Not investigated."],["Funds/bond/agreements/remedies/case-law/full state categories","OPEN — outside PASS-02","—","Not investigated."]]}],"claims":[{"claim_id":"S_PA-P2-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_PA-P2-C001","Precise assertion":"Enacted §15(a) base is $50 for the consultation.","Source / pinpoint":"S_PA-P2-S001 §15(a), lines 695–698","Conditions / confidence":"High — statutory text. Not certified as current indexed dollar ceiling."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P2-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_PA-P2-C002","Precise assertion":"Enacted §15(b) base is $10 times accounts initially included.","Source / pinpoint":"S_PA-P2-S001 §15(b), lines 699–704","Conditions / confidence":"High — statutory text. Current indexed per-account amount held."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P2-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_PA-P2-C003","Precise assertion":"Enacted §15(b) aggregate base ceiling is $50 monthly.","Source / pinpoint":"S_PA-P2-S001 §15(b), lines 699–704","Conditions / confidence":"High — statutory text. Current indexed aggregate held."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P2-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_PA-P2-C004","Precise assertion":"§15(i) requires annual CPI-U-linked increases and bars negative deflation adjustments.","Source / pinpoint":"S_PA-P2-S001 §15(i), lines 733–742","Conditions / confidence":"High — statutory text. Does not state resulting 2026 dollars."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P2-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_PA-P2-C005","Precise assertion":"DMSA effective date was February 6, 2009.","Source / pinpoint":"S_PA-P2-S002 p.1; S_PA-P2-S001 §50","Conditions / confidence":"High. Concrete date supplied by contemporaneous DoBS implementation letter; §50 says 120 days."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P2-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_PA-P2-C006","Precise assertion":"DoBS contemporaneously interpreted the indexed increases as beginning with the 12-month period following the DMSA effective date.","Source / pinpoint":"S_PA-P2-S002 p.3","Conditions / confidence":"High as agency guidance; not judicial holding. Supports Feb.6 recurring cycle."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P2-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_PA-P2-C007","Precise assertion":"DoBS said it would publish the fee increases annually in the Pennsylvania Bulletin.","Source / pinpoint":"S_PA-P2-S002 p.3","Conditions / confidence":"High as express agency statement. Does not establish that publication actually occurred every year."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P2-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_PA-P2-C008","Precise assertion":"The official 2025 cumulative Bulletin index has no DMSA fee-adjustment entry under Banking and Securities.","Source / pinpoint":"S_PA-P2-S003 printed p.162/PDF p.4","Conditions / confidence":"High as to index contents. Does not rule out an unindexed document elsewhere."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P2-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_PA-P2-C009","Precise assertion":"The official Jan.–Sept. 2026 cumulative Bulletin index likewise has no DMSA fee-adjustment entry.","Source / pinpoint":"S_PA-P2-S004 printed p.6606/PDF p.4","Conditions / confidence":"High as to index contents. October–December not covered by that cumulative index."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P2-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_PA-P2-C010","Precise assertion":"The Jan.31, Feb.7, Feb.14 and Feb.21, 2026 Bulletin issues do not list a DoBS DMSA fee-adjustment notice.","Source / pinpoint":"S_PA-P2-S005–S008","Conditions / confidence":"High as to issue contents. Those issues bracket the Feb.6 anniversary."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P2-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_PA-P2-C011","Precise assertion":"No October 24 current-issue publication cures the missing 2026 notice; current exact DMS indexed amounts remain unauthenticated.","Source / pinpoint":"S_PA-P2-S009 plus C008–C010","Conditions / confidence":"High on observed official sources; conclusion remains a hold rather than “notice does not exist.”"},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P2-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_PA-P2-C012","Precise assertion":"No rounding instruction was authenticated from §15(i), the 2009 letter, or an operative annual notice.","Source / pinpoint":"S_PA-P2-S001 §15(i); S_PA-P2-S002 p.3; absence of retrieved operative notice","Conditions / confidence":"HELD. No self-created rounding method permitted."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_PA-P2-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_PA-P2-C013","Precise assertion":"It would be unsupported in this dossier to derive the October 2026 dollar ceilings by doing a fresh CPI calculation.","Source / pinpoint":"C001–C012","Conditions / confidence":"High methodological conclusion. User expressly required notice authentication and prohibited invented CPI calculation."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"}],"sources":[{"source_id":"S_PA-P2-S001","urls":["https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117..HTM"],"researcher_record":{"Source ID":"S_PA-P2-S001","Document / issuer":"Debt Management Services Act, Act 117 of 2008 — Pennsylvania General Assembly","Direct literal URL":"https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2008/0/0117..HTM","Exact material read":"§15(a), §15(b), §15(i), §50; lines 695–742 and 875–876 on retrieved page","Status / access date / limitation":"Enacted statute; freshly read 2026-10-24. Establishes base figures and adjustment mechanism. Does not itself display the resulting 2026 indexed dollars or rounding convention. \nPennsylvania General Assembly\n+1"},"coordinator_verification_status":"selected_passages_or_attributed_reuse_only_see_check","coordinator_review":"[internal evidence reference]"},{"source_id":"S_PA-P2-S002","urls":["https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/debt%20management%20act%20secy%20letter%20010809.pdf"],"researcher_record":{"Source ID":"S_PA-P2-S002","Document / issuer":"January 8, 2009 DMSA implementation letter — Secretary of Banking","Direct literal URL":"https://www.pa.gov/content/dam/copapwp-pagov/en/dobs/documents/secretary-letters/debt-services/debt%20management%20act%20secy%20letter%20010809.pdf","Exact material read":"p.1 effective date; p.3 “Permissible Fees,” including annual-increase timing and Bulletin-publication statement","Status / access date / limitation":"Official historical agency guidance; freshly opened/read and page inspected 2026-10-24. Not legislation or a current annual fee notice. \nPennsylvania Government\n+1"},"coordinator_verification_status":"selected_passages_or_attributed_reuse_only_see_check","coordinator_review":"[internal evidence reference]"},{"source_id":"S_PA-P2-S003","urls":["https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol56/56-1/56-1_subject-index.pdf"],"researcher_record":{"Source ID":"S_PA-P2-S003","Document / issuer":"Pennsylvania Bulletin Subject Index, January–December 2025 — Legislative Reference Bureau","Direct literal URL":"https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol56/56-1/56-1_subject-index.pdf","Exact material read":"Intro pp.1–2; Banking and Securities index at printed p.162/PDF p.4, lines 183–210","Status / access date / limitation":"Official 2025 cumulative Bulletin index; freshly opened/read and screenshot inspected 2026-10-24. No DMSA fee-adjustment entry under Banking and Securities. Absence from index is evidence, not proof against every possible non-indexed agency document. \nPennsylvania Code & Bulletin\n+1"},"coordinator_verification_status":"selected_passages_or_attributed_reuse_only_see_check","coordinator_review":"[internal evidence reference]"},{"source_id":"S_PA-P2-S004","urls":["https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol56/56-40/56-40_subject-index.pdf"],"researcher_record":{"Source ID":"S_PA-P2-S004","Document / issuer":"Pennsylvania Bulletin Subject Index, January–September 2026 — Legislative Reference Bureau","Direct literal URL":"https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol56/56-40/56-40_subject-index.pdf","Exact material read":"Intro; Banking and Securities index at printed p.6606/PDF p.4, lines 168–189","Status / access date / limitation":"Official cumulative Bulletin index through Sept. 2026; freshly opened/read and screenshot inspected 2026-10-24. No indexed DMSA fee adjustment. Index states next cumulative index comes in January. \nPennsylvania Code & Bulletin\n+1"},"coordinator_verification_status":"selected_passages_or_attributed_reuse_only_see_check","coordinator_review":"[internal evidence reference]"},{"source_id":"S_PA-P2-S005","urls":["https://pacodeandbulletin.gov/Home/volume?issue=5&vol=56"],"researcher_record":{"Source ID":"S_PA-P2-S005","Document / issuer":"Pennsylvania Bulletin Vol.56 No.5, January 31, 2026","Direct literal URL":"https://pacodeandbulletin.gov/Home/volume?issue=5&vol=56","Exact material read":"Contents, Banking and Securities entry","Status / access date / limitation":"Official Bulletin issue; freshly read 2026-10-24. DoBS content shows only Actions on Applications. \nPennsylvania Code & Bulletin"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P2-S006","urls":["https://pacodeandbulletin.gov/Home/volume?issue=6&vol=56"],"researcher_record":{"Source ID":"S_PA-P2-S006","Document / issuer":"Pennsylvania Bulletin Vol.56 No.6, February 7, 2026","Direct literal URL":"https://pacodeandbulletin.gov/Home/volume?issue=6&vol=56","Exact material read":"Lines 27–33; 86–90; 264–267","Status / access date / limitation":"Official Bulletin issue; freshly read 2026-10-24. First issue immediately after Feb.6 anniversary; no DMS fee notice in DoBS contents. \nPennsylvania Code & Bulletin"},"coordinator_verification_status":"selected_passages_or_attributed_reuse_only_see_check","coordinator_review":"[internal evidence reference]"},{"source_id":"S_PA-P2-S007","urls":["https://pacodeandbulletin.gov/Home/volume?issue=7&vol=56"],"researcher_record":{"Source ID":"S_PA-P2-S007","Document / issuer":"Pennsylvania Bulletin Vol.56 No.7, February 14, 2026","Direct literal URL":"https://pacodeandbulletin.gov/Home/volume?issue=7&vol=56","Exact material read":"Banking and Securities contents","Status / access date / limitation":"Official Bulletin issue; freshly read 2026-10-24. No DMS fee notice. \nPennsylvania Code & Bulletin"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P2-S008","urls":["https://pacodeandbulletin.gov/Home/volume?issue=8&vol=56"],"researcher_record":{"Source ID":"S_PA-P2-S008","Document / issuer":"Pennsylvania Bulletin Vol.56 No.8, February 21, 2026","Direct literal URL":"https://pacodeandbulletin.gov/Home/volume?issue=8&vol=56","Exact material read":"Banking and Securities contents","Status / access date / limitation":"Official Bulletin issue; freshly read 2026-10-24. No DMS fee notice. \nPennsylvania Code & Bulletin"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P2-S009","urls":["https://pacodeandbulletin.gov/Home/volume?issue=43&vol=56"],"researcher_record":{"Source ID":"S_PA-P2-S009","Document / issuer":"Pennsylvania Bulletin Vol.56 No.43, October 24, 2026","Direct literal URL":"https://pacodeandbulletin.gov/Home/volume?issue=43&vol=56","Exact material read":"Lines 27–55 and 227–253","Status / access date / limitation":"Official current issue on access date; freshly read 2026-10-24. DoBS has only Actions on Applications. \nPennsylvania Code & Bulletin"},"coordinator_verification_status":"selected_passages_or_attributed_reuse_only_see_check","coordinator_review":"[internal evidence reference]"},{"source_id":"S_PA-P2-S010","urls":["https://pacodeandbulletin.gov/Home/volume?issue=6&vol=40"],"researcher_record":{"Source ID":"S_PA-P2-S010","Document / issuer":"Pennsylvania Bulletin Vol.40 No.6, February 6, 2010","Direct literal URL":"https://pacodeandbulletin.gov/Home/volume?issue=6&vol=40","Exact material read":"Lines 27–66 and 318–327","Status / access date / limitation":"Official historical anniversary issue; freshly read 2026-10-24. No DMS fee notice in that issue. Limited historical cross-check only. \nPennsylvania Code & Bulletin"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P2-S011","urls":["https://www.pa.gov/agencies/dobs/statutes","https://www.pa.gov/agencies/dobs/statutes?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_PA-P2-S011","Document / issuer":"DoBS Laws, Acts, and Regulations page","Direct literal URL":"https://www.pa.gov/agencies/dobs/statutes","Exact material read":"Current page identifying DMSA among statutes administered by DoBS","Status / access date / limitation":"Current official procedure/background page; freshly retrieved 2026-10-24. Does not provide indexed fee values. \nPennsylvania Government"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_PA-P2-S012","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":{"Source ID":"S_PA-P2-S012","Document / issuer":"DoBS Non-Bank Licensees page","Direct literal URL":"https://www.pa.gov/agencies/dobs/non-bank-licensees","Exact material read":"Current debt-servicer section","Status / access date / limitation":"Current official operational page; freshly retrieved 2026-10-24. Does not display a DMS §15(i) consumer-fee schedule. \nPennsylvania Government"},"coordinator_verification_status":"not_yet_checked"}],"coverage":[{"topic":"Enacted initial-consultation base","researcher_record":{"PASS-02 subissue":"Enacted initial-consultation base","Status":"Answered","Claim IDs":"C001","Exact result":"$50 base."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Enacted per-initial-account monthly base","researcher_record":{"PASS-02 subissue":"Enacted per-initial-account monthly base","Status":"Answered","Claim IDs":"C002","Exact result":"$10 base."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Enacted aggregate monthly base","researcher_record":{"PASS-02 subissue":"Enacted aggregate monthly base","Status":"Answered","Claim IDs":"C003","Exact result":"$50 base."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Statutory adjustment formula","researcher_record":{"PASS-02 subissue":"Statutory adjustment formula","Status":"Answered","Claim IDs":"C004","Exact result":"Annual specified CPI-U change; no negative deflation COLA."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"DMSA effective date","researcher_record":{"PASS-02 subissue":"DMSA effective date","Status":"Answered","Claim IDs":"C005","Exact result":"Feb.6, 2009."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"First/recurring adjustment timing","researcher_record":{"PASS-02 subissue":"First/recurring adjustment timing","Status":"Answered at agency-guidance level","Claim IDs":"C006","Exact result":"DoBS says increases begin with 12-month period following effective date; supports Feb.6 anniversary cycle."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"DoBS publication method originally announced","researcher_record":{"PASS-02 subissue":"DoBS publication method originally announced","Status":"Answered","Claim IDs":"C007","Exact result":"Annual Pennsylvania Bulletin publication."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"2025 Bulletin evidence","researcher_record":{"PASS-02 subissue":"2025 Bulletin evidence","Status":"Answered","Claim IDs":"C008","Exact result":"No DMS fee-adjustment entry in official annual index."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Jan.–Sept. 2026 Bulletin evidence","researcher_record":{"PASS-02 subissue":"Jan.–Sept. 2026 Bulletin evidence","Status":"Answered","Claim IDs":"C009","Exact result":"No DMS fee-adjustment entry in official cumulative index."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Feb.2026 anniversary issues","researcher_record":{"PASS-02 subissue":"Feb.2026 anniversary issues","Status":"Answered","Claim IDs":"C010","Exact result":"No listed DMS fee-adjustment notice in checked surrounding issues."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Oct.24, 2026 current issue","researcher_record":{"PASS-02 subissue":"Oct.24, 2026 current issue","Status":"Answered","Claim IDs":"C011","Exact result":"No current-issue fee notice."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Exact October 24, 2026 consultation maximum","researcher_record":{"PASS-02 subissue":"Exact October 24, 2026 consultation maximum","Status":"UNRESOLVED / HELD","Claim IDs":"C001, C004, C011–C013","Exact result":"No authenticated operative annual notice."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Exact October 24, 2026 per-account maximum","researcher_record":{"PASS-02 subissue":"Exact October 24, 2026 per-account maximum","Status":"UNRESOLVED / HELD","Claim IDs":"C002, C004, C011–C013","Exact result":"Same."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Exact October 24, 2026 aggregate monthly maximum","researcher_record":{"PASS-02 subissue":"Exact October 24, 2026 aggregate monthly maximum","Status":"UNRESOLVED / HELD","Claim IDs":"C003–C004, C011–C013","Exact result":"Same."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Current rounding instruction","researcher_record":{"PASS-02 subissue":"Current rounding instruction","Status":"UNRESOLVED / HELD","Claim IDs":"C012","Exact result":"None authenticated."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Independent CPI reconstruction","researcher_record":{"PASS-02 subissue":"Independent CPI reconstruction","Status":"EXCLUDED intentionally","Claim IDs":"C013","Exact result":"User prohibited calculation/guessing in lieu of controlling notice."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"DSSA seven-day/business-day issue","researcher_record":{"PASS-02 subissue":"DSSA seven-day/business-day issue","Status":"OPEN — outside PASS-02","Claim IDs":"—","Exact result":"Not investigated."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Attorney/incidental DSS fee boundaries","researcher_record":{"PASS-02 subissue":"Attorney/incidental DSS fee boundaries","Status":"OPEN — outside PASS-02","Claim IDs":"—","Exact result":"Not investigated."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Installment true-up","researcher_record":{"PASS-02 subissue":"Installment true-up","Status":"OPEN — outside PASS-02","Claim IDs":"—","Exact result":"Not investigated."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"NMLS package/provider status","researcher_record":{"PASS-02 subissue":"NMLS package/provider status","Status":"OPEN — outside PASS-02","Claim IDs":"—","Exact result":"Not investigated."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Funds/bond/agreements/remedies/case-law/full state categories","researcher_record":{"PASS-02 subissue":"Funds/bond/agreements/remedies/case-law/full state categories","Status":"OPEN — outside PASS-02","Claim IDs":"—","Exact result":"Not investigated."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}