{"meta":{"key":"s_sc--pass-04","task":"S_SC","title":"SSC bounded correction to saved","parent_title":"South Carolina debt and debt relief law","edition":"pass-04","path":"/research/s_sc--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":4,"claims":11,"sources":3,"review_status":"accepted_with_limits","review_complete":true,"sha256":"39ea245799856b8fc1d6e4c8635ed24934986cb436e64c8fd869647fba9f04d2","headings":["A. Replacement patch keyed to original PASS-03 body and claim IDs","A1. Correct §37-7-111 structure and pinpoints","A2. Replace the vague §37-7-114(C) out-of-state-records description","A3. Correct and narrow the electronic-record treatment in C013, C044, and A4.10","B. PASS-04 source table","C. PASS-04 material claim table","D. Assigned-issue coverage and remaining dependencies","E. Actual reading versus supplied provenance","Actually read in this correction","Supplied or preserved rather than freshly reopened"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_SC/pass-04","facets":{"geography":["us","us-sc"],"debt_type":[],"stage":[],"subject":[]},"scope":"Only111pinpoints/114(C)productiondeadlinealternative/FAQ-vs-D3qualification","pending_corrections":0},"markdown":"# S_SC PASS-04 — bounded correction to saved PASS-03\n\n**Actual public-source access date:** October 24, 2026, Pacific\n**Correction scope:** only the four §37-7-111 pinpoints, the §37-7-114(C) out-of-state-records rule, and the R.28-700(D)/DCA FAQ electronic-record distinction specified by the coordinator.\n\nThe saved PASS-03 remains the immutable underlying report. **Only the passages and claim entries identified below are superseded.** All other PASS-03 findings, limitations, unresolved fee/currentness questions, and the saved **actual Medium provenance** remain unchanged. This correction does not make a new model/UI provenance claim and is not an independent review.\n\n## A. Replacement patch keyed to original PASS-03 body and claim IDs\n\n### A1. Correct §37-7-111 structure and pinpoints\n\nThe currently posted statute places all four duties as follows:\n\n| Original PASS-03 item | Correct replacement pinpoint | Conditions unchanged |\n| --- | --- | --- |\n| **C029 / A4.1 — trust-account trigger** | **S.C. Code §37-7-111(A)** | Funds paid to the licensee by or on behalf of a consumer **for disbursement to the consumer’s creditors** must be deposited in a trust account established by the licensee for debtors’ benefit. |\n| **C038 / A4.6 — monthly reconciliation** | **§37-7-111(B)(7)** | Reconciliation must occur at least monthly; actual cash is compared with the sum of individual debtor escrow balances; each trust account is separately scheduled and reconciled. |\n| **C039 / A4.7 — quarterly accounting** | **§37-7-111(B)(8)** | At least once every three months, the accounting must itemize receipts, payments to each creditor, amounts creditors agreed to accept in full, charges deducted, and money held in trust. |\n| **C040 / A4.7 — written-demand accounting** | **The unlettered concluding paragraph immediately following §37-7-111(B)(8)** | Accounting is required within seven days after written demand, but not more than three times in each six-month period. |\n\nThe previously assigned references to §111(B), §111(C), §111(D), and nonexistent §111(E) are superseded only to this extent. The substantive conditions stated in PASS-03 remain unchanged. The statute’s posted structure shows subsection (A), numbered paragraphs (B)(1)–(8), and then the separate unlettered demand-accounting sentence. [South Carolina Legislature+1](https://www.scstatehouse.gov/code/t37c007.php)\n\n#### Exact replacement body text for A4.1\n\n**Section 37-7-111(A)** provides that funds paid to the licensee by or on behalf of a consumer for disbursement to the consumer’s creditors must be deposited in a trust account established by the licensee for the benefit of debtors.\n\n#### Exact replacement body text for A4.6–A4.7\n\nUnder **§37-7-111(B)(7)**, the organization must reconcile each trust account at least monthly by determining its actual cash balance and comparing that amount with the sum of the individual debtor escrow balances. Each trust account must be separately scheduled and reconciled.\n\nUnder **§37-7-111(B)(8)**, the organization must render an accounting to the debtor at least once every three months. The accounting must itemize the total received, total paid to each creditor, the amount each creditor agreed to accept in full, charges deducted, and the amount held in trust.\n\nThe **unlettered paragraph immediately after §37-7-111(B)(8)** separately requires an accounting within seven days after written demand, but no more than three times during each six-month period.\n\nThe PASS-03 hold on an **exact calendar endpoint** remains. The statute supplies a seven-day measure but does not, in the passage reviewed, resolve the triggering receipt facts or the counting convention needed to calculate a specific calendar date. The three-accountings-per-six-month limitation also remains unchanged. [South Carolina Legislature](https://www.scstatehouse.gov/code/t37c007.php)\n\n#### Affected source and coverage mapping\n\nThe PASS-03 **S_SC-P3-S001** references for C029, C038, C039, and C040 should now read:\n\n- §37-7-111(A);\n- §37-7-111(B)(7);\n- §37-7-111(B)(8); and\n- the unlettered paragraph immediately following §37-7-111(B)(8).\n\nThe corresponding PASS-03 coverage rows remain **answered textually**, subject to the existing counting/factual holds. No substantive money-flow arithmetic is changed.\n\n### A2. Replace the vague §37-7-114(C) out-of-state-records description\n\n#### Exact replacement body text for A4.10\n\nSection **37-7-114(A)** requires the statutory books, accounts, and records to be retained for at least **three years after the DMP is terminated**.\n\nSection **37-7-114(C)** separately governs records located outside South Carolina. The credit-counseling organization must provide those records to DCA **within three business days** or, **at the Department’s discretion**, pay the reasonable and necessary expenses for DCA to examine the records where they are maintained.\n\nThe alternative belongs to **DCA**, not the provider. The provider may not elect examination at the out-of-state location instead of producing the records unless the Department exercises that discretion. An exact calendar production endpoint remains held until the actual Department demand/request, its receipt or delivery facts, applicable holidays, and any governing computation rule are established. [South Carolina Legislature](https://www.scstatehouse.gov/code/t37c007.php)\n\n#### Distinct retention anchors\n\nPASS-03 must continue to keep these two retention rules separate:\n\n1. **Statute — §37-7-114(A):** at least three years after the **DMP is terminated**.\n2. **Regulation — R.28-700(D)(2):** consumer records at least three years after the **contract is terminated**.\n\nR.28-700(D)(2) separately addresses business-record retention by reference to discontinuation of the applicable account, script, marketing material, contract, other record, or complaint. None of those regulatory anchors replaces or rewrites the statutory DMP-termination anchor. [South Carolina Legislature+1](https://www.scstatehouse.gov/code/t37c007.php)\n\n#### Replacement for original C043\n\n**S_SC-P3-C043 is superseded only as follows:**\n\nSection 37-7-114(A) requires complete and accurate statutory records to be retained for at least three years after termination of the DMP. Under §37-7-114(C), if the organization’s records are outside South Carolina, it must provide them to DCA within three business days or, at DCA’s discretion, pay DCA’s reasonable and necessary expenses to examine them where maintained. The alternative is the Department’s choice, not the provider’s. No exact calendar endpoint is stated without the actual demand and timing facts.\n\n### A3. Correct and narrow the electronic-record treatment in C013, C044, and A4.10\n\nThe three relevant sources say different things and have different legal status.\n\n#### 1. Statute: creditor-consent form\n\nSection **37-7-109(B)** requires creditor consent to be recorded on a **separate form kept in the debtor’s file** and specifies seven required information categories. The statutory passage does not itself use the word “paper.” [South Carolina Legislature](https://www.scstatehouse.gov/code/t37c007.php)\n\n#### 2. Adopted regulation: R.28-700(D)\n\nR.28-700(D)(1)(b) requires preservation of the creditor-consent forms required by §37-7-109.\n\nR.28-700(D)(3) then provides:\n\n- records and account systems maintained in whole or in part by electronic data processing may be used in place of the books, files, and records required by **§§37-7-111 and 37-7-114**, provided they contain equivalent information and are accessible to DCA; and\n- electronic duplicates of original documents **may satisfy the requirements of R.28-700(D)**.\n\nThe first sentence expressly cross-references §§111 and 114, not §109. The second sentence is phrased more broadly as applying to “this section.” The regulation does not expressly reconcile those two clauses with a paper-only creditor-consent-form instruction. [South Carolina Legislature+1](https://www.scstatehouse.gov/coderegs/Chapter%2028.pdf)\n\n#### 3. DCA FAQ: current agency-stated procedure\n\nThe currently posted FAQ describes its content as **“suggested answers”** to questions concerning credit-counseling licensing forms. It says electronic maintenance alone is not sufficient for the Creditor Consent Form; the form must be printed, kept on paper, and placed in the client’s paper file. It also says an electronic database may be used to produce the required list, which is then printed and placed in the file. [Consumer Affairs+1](https://consumer.sc.gov/consumer-faqs/credit-counseling-faqs)\n\nThe FAQ is an agency webpage and operating instruction. It is **not identified on its face as an adopted regulation, formal administrative interpretation, declaratory ruling, adjudicatory final order, or court holding**.\n\n#### Corrected legal treatment\n\nThe PASS-03 wording suggesting that electronic permission was merely “subject to” the FAQ is replaced by this narrower statement:\n\nR.28-700(D)(3) supplies an adopted regulatory electronic-record rule for equivalent, DCA-accessible records and electronic duplicates. DCA’s currently posted FAQ separately instructs licensees to print the §37-7-109 creditor-consent information and place the paper form in the client’s paper file. The FAQ’s current operational instruction is clear, but the precise legal hierarchy and application of that instruction relative to R.28-700(D)(3)’s second sentence have not been resolved by a specific formal construction located in this bounded pass.\n\nTherefore:\n\n- **Do not declare the FAQ invalid.**\n- **Do not characterize the FAQ as an adopted regulatory exception.**\n- **Do not certify that an all-electronic creditor-consent file complies.**\n- **Do not treat R.28-700(D)(3)’s specific §§111/114 substitution clause as automatically covering the original §109 creditor-consent form.**\n- Preserve a hold pending an adopted amendment, formal DCA interpretation/declaratory ruling, final administrative order, or controlling judicial decision that expressly reconciles §109(B), R.28-700(D)(1)(b), R.28-700(D)(3), and the FAQ.\n\nA narrow official-site search did not readily locate such a formal construction. That is an evidence gap, not proof that none exists.\n\n#### Replacement for original C013\n\n**C013, corrected:** DCA’s currently posted Credit Counseling FAQ states that the §37-7-109 creditor-consent form must be printed, kept on paper, and placed in the client’s paper file; an electronic database may generate the information for printing. The webpage characterizes its responses as suggested answers concerning licensing forms. This is current agency procedural guidance, not on its face an adopted regulation or formal administrative interpretation.\n\n#### Replacement for original C044\n\n**C044, corrected:** R.28-700(D)(3) permits equivalent, DCA-accessible electronic systems in place of books, files, and records required by §§37-7-111 and 37-7-114, and states that electronic duplicates of original documents may satisfy R.28-700(D). R.28-700(D)(1)(b) separately requires preservation of §37-7-109 creditor-consent forms. The current DCA FAQ nevertheless instructs that the creditor-consent form be printed and retained in the paper client file. No specific formal authority was located in this bounded correction that resolves the application or hierarchy of those provisions; all-electronic creditor-consent compliance remains held.\n\nThe PASS-03 **April–September 2026 regulatory-currentness hold remains unchanged**.\n\n## B. PASS-04 source table\n\n| Source ID | Issuer / title | Direct literal URL | Exact passage and actual access | Version, status, and limitation |\n| --- | --- | --- | --- | --- |\n| **S_SC-P4-S001** | South Carolina General Assembly — Title 37, Chapter 7, Consumer Credit Counseling | https://www.scstatehouse.gov/code/t37c007.php | Actually read October 24, 2026 through the direct public HTML page: §37-7-109(B); §37-7-111(A), (B)(7), (B)(8), and the unlettered paragraph after (B)(8); §37-7-114(A)–(C). [South Carolina Legislature+1](https://www.scstatehouse.gov/code/t37c007.php) | Current posted unannotated Code text. PASS-03’s official-print/currentness caveat remains; no broader currentness search was repeated. |\n| **S_SC-P4-S002** | South Carolina General Assembly — Code of Regulations, Chapter 28, R.28-700(D) | https://www.scstatehouse.gov/coderegs/Chapter%2028.pdf | Actually read October 24, 2026 using both parsed public-PDF text and a page-image screenshot: R.28-700(D)(1)(a)–(h), D(2), and D(3), public PDF page indexed P37; regulation history at P38. [South Carolina Legislature+1](https://www.scstatehouse.gov/coderegs/Chapter%2028.pdf) | Adopted regulation shown in the currently posted compilation. History states adoption May 26, 2006 and amendments June 26, 2009 and February 26, 2016. PASS-03’s unrefreshed April–September 2026 Register-chain hold remains. [South Carolina Legislature](https://www.scstatehouse.gov/coderegs/Chapter%2028.pdf) |\n| **S_SC-P4-S003** | South Carolina Department of Consumer Affairs — Credit Counseling FAQs | https://consumer.sc.gov/consumer-faqs/credit-counseling-faqs | Actually read October 24, 2026 through the direct public HTML page: introductory status language at lines 9–11 and creditor-consent electronic/paper answer at lines 35–38. [Consumer Affairs+1](https://consumer.sc.gov/consumer-faqs/credit-counseling-faqs) | Currently posted agency webpage containing “suggested answers” concerning licensing forms. No promulgation, formal-interpretation number, adjudicatory status, or legal effective date is stated on the page. |\n\n## C. PASS-04 material claim table\n\n| Claim ID | Corrected consequential assertion | Sources / exact pinpoint | Conditions, status, and confidence |\n| --- | --- | --- | --- |\n| **S_SC-P4-C001** | The statutory trust-account trigger is **§37-7-111(A)**. | S_SC-P4-S001, §111(A). [South Carolina Legislature+1](https://www.scstatehouse.gov/code/t37c007.php) | **High.** Corrects P3-C029’s subsection only; substantive trigger unchanged. |\n| **S_SC-P4-C002** | Monthly reconciliation is required by **§37-7-111(B)(7)**. | S001, §111(B)(7). [South Carolina Legislature](https://www.scstatehouse.gov/code/t37c007.php) | **High.** Corrects P3-C038; substantive conditions unchanged. |\n| **S_SC-P4-C003** | Quarterly debtor accounting is required by **§37-7-111(B)(8)**. | S001, §111(B)(8). [South Carolina Legislature](https://www.scstatehouse.gov/code/t37c007.php) | **High.** Corrects P3-C039; itemization conditions unchanged. |\n| **S_SC-P4-C004** | Written-demand accounting appears in the **unlettered paragraph immediately following §111(B)(8)** and is due within seven days, no more than three times per six-month period. | S001, paragraph following §111(B)(8). [South Carolina Legislature](https://www.scstatehouse.gov/code/t37c007.php) | **High text; exact-calendar endpoint held.** Corrects P3-C040’s nonexistent subsection (E). |\n| **S_SC-P4-C005** | Section 37-7-114(A)’s statutory retention anchor is at least three years after the **DMP is terminated**. | S001, §114(A). [South Carolina Legislature](https://www.scstatehouse.gov/code/t37c007.php) | **High.** Must not be replaced by the regulation’s contract-termination anchor. |\n| **S_SC-P4-C006** | Under §37-7-114(C), out-of-state records must be provided to DCA within three business days or, **at DCA’s discretion**, the organization must pay reasonable and necessary examination expenses where the records are maintained. | S001, §114(C). [South Carolina Legislature](https://www.scstatehouse.gov/code/t37c007.php) | **High.** The alternative is DCA’s, not the provider’s. Exact calendar endpoint requires actual demand/timing facts. |\n| **S_SC-P4-C007** | R.28-700(D)(2) separately anchors consumer-record retention to three years after **contract termination**. | S_SC-P4-S002, R.28-700(D)(2). [South Carolina Legislature+1](https://www.scstatehouse.gov/coderegs/Chapter%2028.pdf) | **High text; regulatory-currentness chain remains held.** |\n| **S_SC-P4-C008** | R.28-700(D)(3) permits equivalent, DCA-accessible electronic systems in place of records required by §§111 and 114 and permits electronic duplicates to satisfy R.28-700(D). | S002, R.28-700(D)(3). [South Carolina Legislature+1](https://www.scstatehouse.gov/coderegs/Chapter%2028.pdf) | **High regulatory text.** The first sentence expressly references §§111/114; scope as to the original §109 form is not assumed. |\n| **S_SC-P4-C009** | DCA’s current FAQ instructs that the creditor-consent form be printed, retained on paper, and placed in the client’s paper file. | S_SC-P4-S003, FAQ lines 35–38. [Consumer Affairs](https://consumer.sc.gov/consumer-faqs/credit-counseling-faqs) | **High as a statement of current posted agency guidance.** Not characterized as a regulation or formal interpretation. |\n| **S_SC-P4-C010** | The precise legal relationship between R.28-700(D)(3)’s electronic-duplicate language and the FAQ’s paper-form instruction remains unresolved. | S002 D(1)(b), D(3); S003 lines 11, 35–38. [South Carolina Legislature+2](https://www.scstatehouse.gov/coderegs/Chapter%2028.pdf) | **Held.** No all-electronic compliance certification, invalidity ruling, or binding FAQ exception inferred. |\n| **S_SC-P4-C011** | No separately identified formal public construction directly reconciling §109(B), R.28-700(D)(1)(b)/(3), and the FAQ was readily located in the bounded official-site search. | Bounded search record; substantive underlying texts are S001–S003. | **Research limit, not proof of absence.** Next authority remains necessary. |\n\n## D. Assigned-issue coverage and remaining dependencies\n\n| Assigned correction issue | Status after PASS-04 | Claim IDs | Exact remaining authority / next action |\n| --- | --- | --- | --- |\n| Correct C029 trust-account subsection | **Resolved** | P4-C001 | None for the pinpoint; factual custody trigger remains provider-specific. |\n| Correct C038 monthly-reconciliation subsection | **Resolved** | P4-C002 | None for the pinpoint. Existing discrepancy/cure-period hold remains. |\n| Correct C039 quarterly-accounting subsection | **Resolved** | P4-C003 | None for the pinpoint. Existing disputed-deduction hold remains. |\n| Correct C040 demand-accounting location | **Resolved** | P4-C004 | Exact calendar endpoint still requires actual demand/receipt facts and an applicable counting rule. |\n| Preserve seven-day condition and three-per-six-month limit | **Resolved textually** | P4-C004 | Calendar computation remains held. |\n| Add exact §114(C) production rule | **Resolved** | P4-C006 | Exact calendar endpoint depends on actual DCA request/delivery facts. |\n| Identify who chooses out-of-state examination alternative | **Resolved: DCA** | P4-C006 | No provider election inferred. |\n| Separate statutory DMP-termination retention from regulatory contract-termination retention | **Resolved** | P4-C005, C007 | Regulatory April–September 2026 currentness hold remains. |\n| State R.28-700(D)(3)’s actual electronic-record rule | **Resolved textually** | P4-C008 | Application to the original §109 creditor-consent form remains unresolved. |\n| State FAQ’s actual paper-form instruction and status | **Resolved** | P4-C009 | FAQ’s hierarchy and binding legal effect remain unresolved. |\n| Reconcile regulation and FAQ | **Partial / held** | P4-C010–C011 | Locate an adopted amendment, formal DCA administrative interpretation/declaratory ruling, final administrative order, or controlling judicial decision directly reconciling them. |\n| Certify all-electronic records compliance | **Not established** | P4-C010 | Requires the above authority plus the provider’s actual record architecture. |\n| April–September 2026 regulation-currentness chain | **Expressly unchanged / held** | — | Not reopened in this correction. |\n| Prior fee, funds-control, federal-electronic-consent, provider-authorization, interpretation-currentness, full-state, parent, and A066 issues | **Unchanged / open** | — | Later designated passes only. |\n\n## E. Actual reading versus supplied provenance\n\n### Actually read in this correction\n\nOn October 24, 2026, I directly read:\n\n- the currently posted public Chapter 7 HTML text for §§37-7-109(B), 111, and 114;\n- R.28-700(D)(1)–(3) from the public Chapter 28 PDF, using both its extracted text and an actual page-image screenshot;\n- the DCA Credit Counseling FAQ’s source-status introduction and creditor-consent paper-form answer; and\n- a narrow official-site search for a specific formal reconciliation of the electronic-record issue.\n\n### Supplied or preserved rather than freshly reopened\n\n- The coordinator’s prior visual reads of the 2010 interpretations and October 23 Register issue were evidence-backed supplied provenance, not new image reads in PASS-04.\n- The April–September 2026 Register chain was not reopened.\n- PASS-03’s original Medium provenance was preserved without a new model/mode claim.\n- The coordinator’s hash and Decimal checks were supplied review history, not independently reproduced here.\n\nNo local write, account action, permission change, browser-tab creation, contact, filing, publication, or broader state review was performed. This correction does not constitute full-state, parent-project, A066, or publication acceptance.\n\n**END S_SC PASS-04**\n\n","tables":[{"headers":["Original PASS-03 item","Correct replacement pinpoint","Conditions unchanged"],"index":0,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Original PASS-03 item","Correct replacement pinpoint","Conditions unchanged"],["C029 / A4.1 — trust-account trigger","S.C. Code §37-7-111(A)","Funds paid to the licensee by or on behalf of a consumer for disbursement to the consumer’s creditors must be deposited in a trust account established by the licensee for debtors’ benefit."],["C038 / A4.6 — monthly reconciliation","§37-7-111(B)(7)","Reconciliation must occur at least monthly; actual cash is compared with the sum of individual debtor escrow balances; each trust account is separately scheduled and reconciled."],["C039 / A4.7 — quarterly accounting","§37-7-111(B)(8)","At least once every three months, the accounting must itemize receipts, payments to each creditor, amounts creditors agreed to accept in full, charges deducted, and money held in trust."],["C040 / A4.7 — written-demand accounting","The unlettered concluding paragraph immediately following §37-7-111(B)(8)","Accounting is required within seven days after written demand, but not more than three times in each six-month period."]]},{"headers":["Source ID","Issuer / title","Direct literal URL","Exact passage and actual access","Version, status, and limitation"],"index":1,"links":[{"href":"https://www.scstatehouse.gov/code/t37c007.php","text":"South Carolina Legislature\n+1"},{"href":"https://www.scstatehouse.gov/coderegs/Chapter%2028.pdf","text":"South Carolina Legislature\n+1"},{"href":"https://www.scstatehouse.gov/coderegs/Chapter%2028.pdf","text":"South Carolina Legislature"},{"href":"https://consumer.sc.gov/consumer-faqs/credit-counseling-faqs","text":"Consumer Affairs\n+1"}],"row_links":[[],[{"href":"https://www.scstatehouse.gov/code/t37c007.php","text":"South Carolina Legislature\n+1"}],[{"href":"https://www.scstatehouse.gov/coderegs/Chapter%2028.pdf","text":"South Carolina Legislature\n+1"},{"href":"https://www.scstatehouse.gov/coderegs/Chapter%2028.pdf","text":"South Carolina Legislature"}],[{"href":"https://consumer.sc.gov/consumer-faqs/credit-counseling-faqs","text":"Consumer Affairs\n+1"}]],"rows":[["Source ID","Issuer / title","Direct literal URL","Exact passage and actual access","Version, status, and limitation"],["S_SC-P4-S001","South Carolina General Assembly — Title 37, Chapter 7, Consumer Credit Counseling","https://www.scstatehouse.gov/code/t37c007.php","Actually read October 24, 2026 through the direct public HTML page: §37-7-109(B); §37-7-111(A), (B)(7), (B)(8), and the unlettered paragraph after (B)(8); §37-7-114(A)–(C). \nSouth Carolina Legislature\n+1","Current posted unannotated Code text. PASS-03’s official-print/currentness caveat remains; no broader currentness search was repeated."],["S_SC-P4-S002","South Carolina General Assembly — Code of Regulations, Chapter 28, R.28-700(D)","https://www.scstatehouse.gov/coderegs/Chapter%2028.pdf","Actually read October 24, 2026 using both parsed public-PDF text and a page-image screenshot: R.28-700(D)(1)(a)–(h), D(2), and D(3), public PDF page indexed P37; regulation history at P38. \nSouth Carolina Legislature\n+1","Adopted regulation shown in the currently posted compilation. History states adoption May 26, 2006 and amendments June 26, 2009 and February 26, 2016. PASS-03’s unrefreshed April–September 2026 Register-chain hold remains. \nSouth Carolina Legislature"],["S_SC-P4-S003","South Carolina Department of Consumer Affairs — Credit Counseling FAQs","https://consumer.sc.gov/consumer-faqs/credit-counseling-faqs","Actually read October 24, 2026 through the direct public HTML page: introductory status language at lines 9–11 and creditor-consent electronic/paper answer at lines 35–38. \nConsumer Affairs\n+1","Currently posted agency webpage containing “suggested answers” concerning licensing forms. No promulgation, formal-interpretation number, adjudicatory status, or legal effective date is stated on the page."]]},{"headers":["Claim ID","Corrected consequential assertion","Sources / exact pinpoint","Conditions, status, and confidence"],"index":2,"links":[{"href":"https://www.scstatehouse.gov/code/t37c007.php","text":"South Carolina Legislature\n+1"},{"href":"https://www.scstatehouse.gov/code/t37c007.php","text":"South Carolina Legislature"},{"href":"https://www.scstatehouse.gov/code/t37c007.php","text":"South Carolina Legislature"},{"href":"https://www.scstatehouse.gov/code/t37c007.php","text":"South Carolina Legislature"},{"href":"https://www.scstatehouse.gov/code/t37c007.php","text":"South Carolina Legislature"},{"href":"https://www.scstatehouse.gov/code/t37c007.php","text":"South Carolina Legislature"},{"href":"https://www.scstatehouse.gov/coderegs/Chapter%2028.pdf","text":"South Carolina Legislature\n+1"},{"href":"https://www.scstatehouse.gov/coderegs/Chapter%2028.pdf","text":"South Carolina Legislature\n+1"},{"href":"https://consumer.sc.gov/consumer-faqs/credit-counseling-faqs","text":"Consumer Affairs"},{"href":"https://www.scstatehouse.gov/coderegs/Chapter%2028.pdf","text":"South Carolina Legislature\n+2"}],"row_links":[[],[{"href":"https://www.scstatehouse.gov/code/t37c007.php","text":"South Carolina Legislature\n+1"}],[{"href":"https://www.scstatehouse.gov/code/t37c007.php","text":"South Carolina Legislature"}],[{"href":"https://www.scstatehouse.gov/code/t37c007.php","text":"South Carolina Legislature"}],[{"href":"https://www.scstatehouse.gov/code/t37c007.php","text":"South Carolina Legislature"}],[{"href":"https://www.scstatehouse.gov/code/t37c007.php","text":"South Carolina Legislature"}],[{"href":"https://www.scstatehouse.gov/code/t37c007.php","text":"South Carolina Legislature"}],[{"href":"https://www.scstatehouse.gov/coderegs/Chapter%2028.pdf","text":"South Carolina Legislature\n+1"}],[{"href":"https://www.scstatehouse.gov/coderegs/Chapter%2028.pdf","text":"South Carolina Legislature\n+1"}],[{"href":"https://consumer.sc.gov/consumer-faqs/credit-counseling-faqs","text":"Consumer Affairs"}],[{"href":"https://www.scstatehouse.gov/coderegs/Chapter%2028.pdf","text":"South Carolina Legislature\n+2"}],[]],"rows":[["Claim ID","Corrected consequential assertion","Sources / exact pinpoint","Conditions, status, and confidence"],["S_SC-P4-C001","The statutory trust-account trigger is §37-7-111(A).","S_SC-P4-S001, §111(A). \nSouth Carolina Legislature\n+1","High. Corrects P3-C029’s subsection only; substantive trigger unchanged."],["S_SC-P4-C002","Monthly reconciliation is required by §37-7-111(B)(7).","S001, §111(B)(7). \nSouth Carolina Legislature","High. Corrects P3-C038; substantive conditions unchanged."],["S_SC-P4-C003","Quarterly debtor accounting is required by §37-7-111(B)(8).","S001, §111(B)(8). \nSouth Carolina Legislature","High. Corrects P3-C039; itemization conditions unchanged."],["S_SC-P4-C004","Written-demand accounting appears in the unlettered paragraph immediately following §111(B)(8) and is due within seven days, no more than three times per six-month period.","S001, paragraph following §111(B)(8). \nSouth Carolina Legislature","High text; exact-calendar endpoint held. Corrects P3-C040’s nonexistent subsection (E)."],["S_SC-P4-C005","Section 37-7-114(A)’s statutory retention anchor is at least three years after the DMP is terminated.","S001, §114(A). \nSouth Carolina Legislature","High. Must not be replaced by the regulation’s contract-termination anchor."],["S_SC-P4-C006","Under §37-7-114(C), out-of-state records must be provided to DCA within three business days or, at DCA’s discretion, the organization must pay reasonable and necessary examination expenses where the records are maintained.","S001, §114(C). \nSouth Carolina Legislature","High. The alternative is DCA’s, not the provider’s. Exact calendar endpoint requires actual demand/timing facts."],["S_SC-P4-C007","R.28-700(D)(2) separately anchors consumer-record retention to three years after contract termination.","S_SC-P4-S002, R.28-700(D)(2). \nSouth Carolina Legislature\n+1","High text; regulatory-currentness chain remains held."],["S_SC-P4-C008","R.28-700(D)(3) permits equivalent, DCA-accessible electronic systems in place of records required by §§111 and 114 and permits electronic duplicates to satisfy R.28-700(D).","S002, R.28-700(D)(3). \nSouth Carolina Legislature\n+1","High regulatory text. The first sentence expressly references §§111/114; scope as to the original §109 form is not assumed."],["S_SC-P4-C009","DCA’s current FAQ instructs that the creditor-consent form be printed, retained on paper, and placed in the client’s paper file.","S_SC-P4-S003, FAQ lines 35–38. \nConsumer Affairs","High as a statement of current posted agency guidance. Not characterized as a regulation or formal interpretation."],["S_SC-P4-C010","The precise legal relationship between R.28-700(D)(3)’s electronic-duplicate language and the FAQ’s paper-form instruction remains unresolved.","S002 D(1)(b), D(3); S003 lines 11, 35–38. \nSouth Carolina Legislature\n+2","Held. No all-electronic compliance certification, invalidity ruling, or binding FAQ exception inferred."],["S_SC-P4-C011","No separately identified formal public construction directly reconciling §109(B), R.28-700(D)(1)(b)/(3), and the FAQ was readily located in the bounded official-site search.","Bounded search record; substantive underlying texts are S001–S003.","Research limit, not proof of absence. Next authority remains necessary."]]},{"headers":["Assigned correction issue","Status after PASS-04","Claim IDs","Exact remaining authority / next action"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Assigned correction issue","Status after PASS-04","Claim IDs","Exact remaining authority / next action"],["Correct C029 trust-account subsection","Resolved","P4-C001","None for the pinpoint; factual custody trigger remains provider-specific."],["Correct C038 monthly-reconciliation subsection","Resolved","P4-C002","None for the pinpoint. Existing discrepancy/cure-period hold remains."],["Correct C039 quarterly-accounting subsection","Resolved","P4-C003","None for the pinpoint. Existing disputed-deduction hold remains."],["Correct C040 demand-accounting location","Resolved","P4-C004","Exact calendar endpoint still requires actual demand/receipt facts and an applicable counting rule."],["Preserve seven-day condition and three-per-six-month limit","Resolved textually","P4-C004","Calendar computation remains held."],["Add exact §114(C) production rule","Resolved","P4-C006","Exact calendar endpoint depends on actual DCA request/delivery facts."],["Identify who chooses out-of-state examination alternative","Resolved: DCA","P4-C006","No provider election inferred."],["Separate statutory DMP-termination retention from regulatory contract-termination retention","Resolved","P4-C005, C007","Regulatory April–September 2026 currentness hold remains."],["State R.28-700(D)(3)’s actual electronic-record rule","Resolved textually","P4-C008","Application to the original §109 creditor-consent form remains unresolved."],["State FAQ’s actual paper-form instruction and status","Resolved","P4-C009","FAQ’s hierarchy and binding legal effect remain unresolved."],["Reconcile regulation and FAQ","Partial / held","P4-C010–C011","Locate an adopted amendment, formal DCA administrative interpretation/declaratory ruling, final administrative order, or controlling judicial decision directly reconciling them."],["Certify all-electronic records compliance","Not established","P4-C010","Requires the above authority plus the provider’s actual record architecture."],["April–September 2026 regulation-currentness chain","Expressly unchanged / held","—","Not reopened in this correction."],["Prior fee, funds-control, federal-electronic-consent, provider-authorization, interpretation-currentness, full-state, parent, and A066 issues","Unchanged / open","—","Later designated passes only."]]}],"claims":[{"claim_id":"S_SC-P4-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SC-P4-C001","Corrected consequential assertion":"The statutory trust-account trigger is §37-7-111(A).","Sources / exact pinpoint":"S_SC-P4-S001, §111(A). \nSouth Carolina Legislature\n+1","Conditions, status, and confidence":"High. Corrects P3-C029’s subsection only; substantive trigger unchanged."},"coordinator_verification_status":"bounded_correction_checked_with_documented_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_SC-P4-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SC-P4-C002","Corrected consequential assertion":"Monthly reconciliation is required by §37-7-111(B)(7).","Sources / exact pinpoint":"S001, §111(B)(7). \nSouth Carolina Legislature","Conditions, status, and confidence":"High. Corrects P3-C038; substantive conditions unchanged."},"coordinator_verification_status":"bounded_correction_checked_with_documented_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_SC-P4-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SC-P4-C003","Corrected consequential assertion":"Quarterly debtor accounting is required by §37-7-111(B)(8).","Sources / exact pinpoint":"S001, §111(B)(8). \nSouth Carolina Legislature","Conditions, status, and confidence":"High. Corrects P3-C039; itemization conditions unchanged."},"coordinator_verification_status":"bounded_correction_checked_with_documented_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_SC-P4-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SC-P4-C004","Corrected consequential assertion":"Written-demand accounting appears in the unlettered paragraph immediately following §111(B)(8) and is due within seven days, no more than three times per six-month period.","Sources / exact pinpoint":"S001, paragraph following §111(B)(8). \nSouth Carolina Legislature","Conditions, status, and confidence":"High text; exact-calendar endpoint held. Corrects P3-C040’s nonexistent subsection (E)."},"coordinator_verification_status":"bounded_correction_checked_with_documented_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_SC-P4-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SC-P4-C005","Corrected consequential assertion":"Section 37-7-114(A)’s statutory retention anchor is at least three years after the DMP is terminated.","Sources / exact pinpoint":"S001, §114(A). \nSouth Carolina Legislature","Conditions, status, and confidence":"High. Must not be replaced by the regulation’s contract-termination anchor."},"coordinator_verification_status":"bounded_correction_checked_with_documented_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_SC-P4-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SC-P4-C006","Corrected consequential assertion":"Under §37-7-114(C), out-of-state records must be provided to DCA within three business days or, at DCA’s discretion, the organization must pay reasonable and necessary examination expenses where the records are maintained.","Sources / exact pinpoint":"S001, §114(C). \nSouth Carolina Legislature","Conditions, status, and confidence":"High. The alternative is DCA’s, not the provider’s. Exact calendar endpoint requires actual demand/timing facts."},"coordinator_verification_status":"bounded_correction_checked_with_documented_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_SC-P4-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SC-P4-C007","Corrected consequential assertion":"R.28-700(D)(2) separately anchors consumer-record retention to three years after contract termination.","Sources / exact pinpoint":"S_SC-P4-S002, R.28-700(D)(2). \nSouth Carolina Legislature\n+1","Conditions, status, and confidence":"High text; regulatory-currentness chain remains held."},"coordinator_verification_status":"bounded_correction_checked_with_documented_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_SC-P4-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SC-P4-C008","Corrected consequential assertion":"R.28-700(D)(3) permits equivalent, DCA-accessible electronic systems in place of records required by §§111 and 114 and permits electronic duplicates to satisfy R.28-700(D).","Sources / exact pinpoint":"S002, R.28-700(D)(3). \nSouth Carolina Legislature\n+1","Conditions, status, and confidence":"High regulatory text. The first sentence expressly references §§111/114; scope as to the original §109 form is not assumed."},"coordinator_verification_status":"bounded_correction_checked_with_documented_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_SC-P4-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SC-P4-C009","Corrected consequential assertion":"DCA’s current FAQ instructs that the creditor-consent form be printed, retained on paper, and placed in the client’s paper file.","Sources / exact pinpoint":"S_SC-P4-S003, FAQ lines 35–38. \nConsumer Affairs","Conditions, status, and confidence":"High as a statement of current posted agency guidance. Not characterized as a regulation or formal interpretation."},"coordinator_verification_status":"bounded_correction_checked_with_documented_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_SC-P4-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SC-P4-C010","Corrected consequential assertion":"The precise legal relationship between R.28-700(D)(3)’s electronic-duplicate language and the FAQ’s paper-form instruction remains unresolved.","Sources / exact pinpoint":"S002 D(1)(b), D(3); S003 lines 11, 35–38. \nSouth Carolina Legislature\n+2","Conditions, status, and confidence":"Held. No all-electronic compliance certification, invalidity ruling, or binding FAQ exception inferred."},"coordinator_verification_status":"bounded_correction_checked_with_documented_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_SC-P4-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SC-P4-C011","Corrected consequential assertion":"No separately identified formal public construction directly reconciling §109(B), R.28-700(D)(1)(b)/(3), and the FAQ was readily located in the bounded official-site search.","Sources / exact pinpoint":"Bounded search record; substantive underlying texts are S001–S003.","Conditions, status, and confidence":"Research limit, not proof of absence. Next authority remains necessary."},"coordinator_verification_status":"bounded_correction_checked_with_documented_limits","coordinator_review":"[internal evidence reference]"}],"sources":[{"source_id":"S_SC-P4-S001","urls":["https://www.scstatehouse.gov/code/t37c007.php"],"researcher_record":{"Source ID":"S_SC-P4-S001","Issuer / title":"South Carolina General Assembly — Title 37, Chapter 7, Consumer Credit Counseling","Direct literal URL":"https://www.scstatehouse.gov/code/t37c007.php","Exact passage and actual access":"Actually read October 24, 2026 through the direct public HTML page: §37-7-109(B); §37-7-111(A), (B)(7), (B)(8), and the unlettered paragraph after (B)(8); §37-7-114(A)–(C). \nSouth Carolina Legislature\n+1","Version, status, and limitation":"Current posted unannotated Code text. PASS-03’s official-print/currentness caveat remains; no broader currentness search was repeated."},"coordinator_verification_status":"bounded_correction_checked_with_documented_limits","coordinator_review":"[internal evidence reference]"},{"source_id":"S_SC-P4-S002","urls":["https://www.scstatehouse.gov/coderegs/Chapter%2028.pdf"],"researcher_record":{"Source ID":"S_SC-P4-S002","Issuer / title":"South Carolina General Assembly — Code of Regulations, Chapter 28, R.28-700(D)","Direct literal URL":"https://www.scstatehouse.gov/coderegs/Chapter%2028.pdf","Exact passage and actual access":"Actually read October 24, 2026 using both parsed public-PDF text and a page-image screenshot: R.28-700(D)(1)(a)–(h), D(2), and D(3), public PDF page indexed P37; regulation history at P38. \nSouth Carolina Legislature\n+1","Version, status, and limitation":"Adopted regulation shown in the currently posted compilation. History states adoption May 26, 2006 and amendments June 26, 2009 and February 26, 2016. PASS-03’s unrefreshed April–September 2026 Register-chain hold remains. \nSouth Carolina Legislature"},"coordinator_verification_status":"bounded_correction_checked_with_documented_limits","coordinator_review":"[internal evidence reference]"},{"source_id":"S_SC-P4-S003","urls":["https://consumer.sc.gov/consumer-faqs/credit-counseling-faqs"],"researcher_record":{"Source ID":"S_SC-P4-S003","Issuer / title":"South Carolina Department of Consumer Affairs — Credit Counseling FAQs","Direct literal URL":"https://consumer.sc.gov/consumer-faqs/credit-counseling-faqs","Exact passage and actual access":"Actually read October 24, 2026 through the direct public HTML page: introductory status language at lines 9–11 and creditor-consent electronic/paper answer at lines 35–38. \nConsumer Affairs\n+1","Version, status, and limitation":"Currently posted agency webpage containing “suggested answers” concerning licensing forms. No promulgation, formal-interpretation number, adjudicatory status, or legal effective date is stated on the page."},"coordinator_verification_status":"bounded_correction_checked_with_documented_limits","coordinator_review":"[internal evidence reference]"}],"coverage":[{"topic":"Correct C029 trust-account subsection","researcher_record":{"Assigned correction issue":"Correct C029 trust-account subsection","Status after PASS-04":"Resolved","Claim IDs":"P4-C001","Exact remaining authority / next action":"None for the pinpoint; factual custody trigger remains provider-specific."},"coordinator_acceptance":"bounded_correction_checked_with_documented_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Correct C038 monthly-reconciliation subsection","researcher_record":{"Assigned correction issue":"Correct C038 monthly-reconciliation subsection","Status after PASS-04":"Resolved","Claim IDs":"P4-C002","Exact remaining authority / next action":"None for the pinpoint. Existing discrepancy/cure-period hold remains."},"coordinator_acceptance":"bounded_correction_checked_with_documented_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Correct C039 quarterly-accounting subsection","researcher_record":{"Assigned correction issue":"Correct C039 quarterly-accounting subsection","Status after PASS-04":"Resolved","Claim IDs":"P4-C003","Exact remaining authority / next action":"None for the pinpoint. Existing disputed-deduction hold remains."},"coordinator_acceptance":"bounded_correction_checked_with_documented_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Correct C040 demand-accounting location","researcher_record":{"Assigned correction issue":"Correct C040 demand-accounting location","Status after PASS-04":"Resolved","Claim IDs":"P4-C004","Exact remaining authority / next action":"Exact calendar endpoint still requires actual demand/receipt facts and an applicable counting rule."},"coordinator_acceptance":"bounded_correction_checked_with_documented_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Preserve seven-day condition and three-per-six-month limit","researcher_record":{"Assigned correction issue":"Preserve seven-day condition and three-per-six-month limit","Status after PASS-04":"Resolved textually","Claim IDs":"P4-C004","Exact remaining authority / next action":"Calendar computation remains held."},"coordinator_acceptance":"bounded_correction_checked_with_documented_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Add exact §114(C) production rule","researcher_record":{"Assigned correction issue":"Add exact §114(C) production rule","Status after PASS-04":"Resolved","Claim IDs":"P4-C006","Exact remaining authority / next action":"Exact calendar endpoint depends on actual DCA request/delivery facts."},"coordinator_acceptance":"bounded_correction_checked_with_documented_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Identify who chooses out-of-state examination alternative","researcher_record":{"Assigned correction issue":"Identify who chooses out-of-state examination alternative","Status after PASS-04":"Resolved: DCA","Claim IDs":"P4-C006","Exact remaining authority / next action":"No provider election inferred."},"coordinator_acceptance":"bounded_correction_checked_with_documented_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Separate statutory DMP-termination retention from regulatory contract-termination retention","researcher_record":{"Assigned correction issue":"Separate statutory DMP-termination retention from regulatory contract-termination retention","Status after PASS-04":"Resolved","Claim IDs":"P4-C005, C007","Exact remaining authority / next action":"Regulatory April–September 2026 currentness hold remains."},"coordinator_acceptance":"bounded_correction_checked_with_documented_limits","coordinator_review":"[internal evidence reference]"},{"topic":"State R.28-700(D)(3)’s actual electronic-record rule","researcher_record":{"Assigned correction issue":"State R.28-700(D)(3)’s actual electronic-record rule","Status after PASS-04":"Resolved textually","Claim IDs":"P4-C008","Exact remaining authority / next action":"Application to the original §109 creditor-consent form remains unresolved."},"coordinator_acceptance":"bounded_correction_checked_with_documented_limits","coordinator_review":"[internal evidence reference]"},{"topic":"State FAQ’s actual paper-form instruction and status","researcher_record":{"Assigned correction issue":"State FAQ’s actual paper-form instruction and status","Status after PASS-04":"Resolved","Claim IDs":"P4-C009","Exact remaining authority / next action":"FAQ’s hierarchy and binding legal effect remain unresolved."},"coordinator_acceptance":"bounded_correction_checked_with_documented_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Reconcile regulation and FAQ","researcher_record":{"Assigned correction issue":"Reconcile regulation and FAQ","Status after PASS-04":"Partial / held","Claim IDs":"P4-C010–C011","Exact remaining authority / next action":"Locate an adopted amendment, formal DCA administrative interpretation/declaratory ruling, final administrative order, or controlling judicial decision directly reconciling them."},"coordinator_acceptance":"bounded_correction_checked_with_documented_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Certify all-electronic records compliance","researcher_record":{"Assigned correction issue":"Certify all-electronic records compliance","Status after PASS-04":"Not established","Claim IDs":"P4-C010","Exact remaining authority / next action":"Requires the above authority plus the provider’s actual record architecture."},"coordinator_acceptance":"bounded_correction_checked_with_documented_limits","coordinator_review":"[internal evidence reference]"},{"topic":"April–September 2026 regulation-currentness chain","researcher_record":{"Assigned correction issue":"April–September 2026 regulation-currentness chain","Status after PASS-04":"Expressly unchanged / held","Claim IDs":"—","Exact remaining authority / next action":"Not reopened in this correction."},"coordinator_acceptance":"bounded_correction_checked_with_documented_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Prior fee, funds-control, federal-electronic-consent, provider-authorization, interpretation-currentness, full-state, parent, and A066 issues","researcher_record":{"Assigned correction issue":"Prior fee, funds-control, federal-electronic-consent, provider-authorization, interpretation-currentness, full-state, parent, and A066 issues","Status after PASS-04":"Unchanged / open","Claim IDs":"—","Exact remaining authority / next action":"Later designated passes only."},"coordinator_acceptance":"bounded_correction_checked_with_documented_limits","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}