{"meta":{"key":"s_sd--pass-02","task":"S_SD","title":"SSD Four corrections to","parent_title":"South Dakota debt and debt relief law","edition":"pass-02","path":"/research/s_sd--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":4,"claims":20,"sources":7,"review_status":"accepted_with_limits","review_complete":true,"sha256":"d0728390485c3acf2ee4da235df810e2b78b25ae4863219cb656616f68f77f22","headings":["1. Four-row before-and-after correction map","2. Fresh source register","3. Atomic claim register","CROA correction’s precise effect","4. E03 — Bounded correction, with the original method preserved","Two abstract failure branches","5. Four-issue coverage and gap table","6. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_SD/pass-02","facets":{"geography":["us","us-sd"],"debt_type":[],"stage":[],"subject":[]},"scope":"ONLYfourP01source-status/budgetpinpoint/CROAbridge/TSRrequest-receiptcorrections","pending_corrections":0},"markdown":"# S_SD PASS-02 — Four corrections to PASS-01\n\n**Fresh public-source access:** October 27, 2026, America/Los_Angeles.\n**Disposition:** The retention-status, budget-pinpoint, and request-to-receipt corrections are answered. CROA currentness is authenticated only through the dates expressly displayed in the selected section bodies; the later interval remains held.\n\nThis addendum supersedes only the passages identified below. P01 otherwise remains preserved, including its conditional provider-access framework and all unresolved state, federal, business-purpose, remote-provider, secured-debt, mediator, contract, and general-law questions. No provider authorization, fee approval, parent-state/A066 acceptance, operational clearance, or publication readiness is established.\n\n## 1. Four-row before-and-after correction map\n\n| Issue and exact P01 location | Superseded wording or treatment | Corrected finding and replacement treatment |\n| --- | --- | --- |\n| **1. Retention status:** **S_SD-P1-C014**, §5.3, **S_SD-P1-S007** | §5.3 said the July 2026 schedule “requires permanent retention.” C014 combined the schedule and budget as evidence of ongoing administration without preserving the schedule’s pending-approval qualification. | AG-136’s permanent-retention language is qualified by same-page footnote 42: **“Pending Records Destruction Board approval.”** Treat it as pending generic policy—not a final approved retention rule or proof of a maintained provider bond. The S007 portion of C014 is narrowed accordingly. See **P2-C001–C003**. [South Dakota Official State Homepage](https://www.sd.gov/sys_attachment.do?sys_id=e52847c71be68b14df4edb1de54bcb78) |\n| **2. Budget pinpoint:** **S_SD-P1-S008**, its pinpoint in **S_SD-P1-C014**, and §5.3 | S008 gave “Internal page 14/PDF page 15.” | Correct locator: **printed page 15 / zero-based PDF index 14**, the fifteenth PDF page. The original one-based PDF-page reference was correct; the internal/printed-page reference was not. The reported figures remain unchanged. Preserve the displayed timestamp and Governor-budget qualification in **P2-C004–C007**. [My LRC+1](https://mylrc.sdlegislature.gov/api/Documents/Attachment/295234.pdf?Year=2026) |\n| **3. CROA currency bridge:** §4.3, **S_SD-P1-S017–S018**, **S_SD-P1-C032** | P01 attributed currency through **Public Law 119-124, October 15, 2026**, to House materials and used that assertion to connect the 2024 annual-edition text to the later date. | Each selected House section body freshly read here states currency through **Public Law 119-120, October 7, 2026**. The supplied chapter-front page displayed no currency statement. The selected 2024 passages match the later section bodies substantively, but **October 8–27 currentness, including the asserted October 15 bridge, remains unverified**. Conditional coverage is preserved; access failures establish neither a legal amendment nor that P01’s historical observation was false. See **P2-C008–C015**. [US Code+4](https://uscode.house.gov/us/usc/119-118/t15/s1679a/) |\n| **4. Dedicated-account deadline:** §4.2, **S_SD-P1-C029**, **E03**, and **S_SD-P1-S014** | C029 described return “within seven business days after withdrawal”; E03 omitted the request-based starting point. | Replace that wording with **customer receipt within seven business days of the customer’s request**, excluding only funds earned under **all applicable conditions in §310.4(a)(5)(i)(A)–(C)**. E03’s stipulated arithmetic remains unchanged. See **P2-C016–C020** and the bounded correction below. [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) |\n\n## 2. Fresh source register\n\n**Source-ID convention:** Each full identifier begins **S_SD-P2-**. The selected House section pages share one source group; the memorandum and AG-136 entry share another. Different passages are not presented as different documents.\n\nAll access dates below are **October 27, 2026 Pacific**. PDF indices are **zero-based**. HTML documents have no printed page or PDF index.\n\n| Source ID | Title, issuer, and complete HTTPS URL | Version/status | Exact pinpoint and actual read bounds |\n| --- | --- | --- | --- |\n| **S_SD-P2-S001** | **Office of the Attorney General—Records Retention and Destruction Schedule**, South Dakota records-management program/Attorney General. https://www.sd.gov/sys_attachment.do?sys_id=e52847c71be68b14df4edb1de54bcb78 | Memorandum dated **July 30, 2026**; AG-136 footer **07/2026**. Pending qualification preserved. | **Printed 87 / PDF index 111:** AG-136 description, citation, retention language, footnote 42. **Unnumbered memorandum / PDF index 2:** heading/date. Both pages visually checked; not the entire 135-page schedule. [South Dakota Official State Homepage+1](https://www.sd.gov/sys_attachment.do?sys_id=e52847c71be68b14df4edb1de54bcb78) |\n| **S_SD-P2-S002** | **Office of the Attorney General—Fiscal Year 2027 Budget Brief Detail**, official South Dakota legislative-hosted budget document. https://mylrc.sdlegislature.gov/api/Documents/Attachment/295234.pdf?Year=2026 | FY2027 brief; displayed timestamp **1/4/2025, 10:39:47 AM**. Not treated as an authenticated publication date. | **Printed 15 / PDF index 14:** performance header, debt-adjustment-bonds row, footer. **Printed 1 / PDF index 0:** Governor-budget caution. Both pages visually checked. [My LRC+1](https://mylrc.sdlegislature.gov/api/Documents/Attachment/295234.pdf?Year=2026) |\n| **S_SD-P2-S003** | **Selected Title 15 CROA section bodies**, U.S. House Office of the Law Revision Counsel. §1679a, *Definitions*: https://uscode.house.gov/us/usc/119-118/t15/s1679a/ §1679b, *Prohibited practices*: https://uscode.house.gov/us/usc/119-118/t15/s1679b/ §1679d, *Credit repair organizations contracts*: https://uscode.house.gov/us/usc/119-118/t15/s1679d/ §1679e, *Right to cancel contract*: https://uscode.house.gov/us/usc/119-118/t15/s1679e/ | **Each body**, notwithstanding the 119-118 URL component, states laws in effect through **PL 119-120 (October 7, 2026)**. Later currency not established. | Read each currency header and **§1679a(1)–(4), §1679b(b), §1679d(a)–(b), §1679e(a)–(c)**. HTML; page/index N/A. §1679b was reached through §1679a’s “Next” link; the d/e locators were directly opened and returned substantive bodies. [US Code+3](https://uscode.house.gov/us/usc/119-118/t15/s1679a/) |\n| **S_SD-P2-S004** | **Chapter 41—Consumer Credit Protection—Front Matter**, House OLRC. https://uscode.house.gov/us/usc/119-124/t15/chapter41-front.html | Successful retrieval of front matter, **without a displayed currency statement**. The path component is not adopted as legal-currentness evidence. | Chapter heading and section listing, including §§1679a–1679e; returned page checked for currency language. No operative section body or amendment bridge supplied by this page. HTML; page/index N/A. [US Code+1](https://uscode.house.gov/us/usc/119-124/t15/chapter41-front.html) |\n| **S_SD-P2-S005** | **2024 U.S. Code, Title 15, Chapter 41, Subchapter II–A—Credit Repair Organizations**, GovInfo/GPO official annual-edition PDF. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf | **2024 annual edition**, not independently an October 2026 currency certification. | **Printed 1552 / index 1:** §1679a and §1679b(b). **Printed 1553 / index 2:** §1679d(a). **Printed 1554 / index 3:** §1679d(b), §1679e(a)–(c). Selected passages visually checked and compared with S003; adjacent provisions not adopted. [GovInfo+2](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf) |\n| **S_SD-P2-S006** | **16 C.F.R. §310.4—Abusive telemarketing acts or practices**, FTC regulation displayed by eCFR/OFR-GPO. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4 | Authoritative but unofficial display. Header: **through October 23, 2026; Title 16 last amended October 19, 2026**. | Currency header; **(a)(5)(i)(A)–(C)** and **(a)(5)(ii)(A)–(E)**, especially (ii)(E). HTML; page/index N/A. [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) |\n| **S_SD-P2-S007** | **Attempted preliminary-edition House section pages—failure log, not substantive authority.** §1679b: https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1679b+edition%3Aprelim%29 §1679d: https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1679d §1679e: https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1679e+edition%3Aprelim%29 | All three newly attempted routes returned **404 Not Found**. No text, edition currency, or legal change authenticated through them. | Search-discovered URLs were actually opened. **No substantive body read.** Snippets were not used to supply missing law or dates. No unchanged retry followed. Page/index N/A. (Invalid URL) |\n\n## 3. Atomic claim register\n\nFull identifiers appear below; source references such as **S003** mean **S_SD-P2-S003**.\n\n| Claim ID | Precise corrected assertion | Source and pinpoint | Confidence and boundary |\n| --- | --- | --- | --- |\n| **S_SD-P2-C001** | AG-136’s retention text is subject to footnote 42’s pending-approval qualification. | S001, printed 87/index 111, AG-136 and footnote 42. [South Dakota Official State Homepage](https://www.sd.gov/sys_attachment.do?sys_id=e52847c71be68b14df4edb1de54bcb78) | High for displayed status; no subsequent approval inferred. |\n| **S_SD-P2-C002** | The generic entry does not prove a particular bond remains maintained or a provider currently authorized. | S001, AG-136 description. [South Dakota Official State Homepage](https://www.sd.gov/sys_attachment.do?sys_id=e52847c71be68b14df4edb1de54bcb78) | Evidentiary limitation, not a provider-status finding. |\n| **S_SD-P2-C003** | The entry prints **“SDCL-34-34-3.”** That apparent error remains distinct from P01’s retained **§37-34-3** authority. | S001, AG-136 description. [South Dakota Official State Homepage](https://www.sd.gov/sys_attachment.do?sys_id=e52847c71be68b14df4edb1de54bcb78) | Typo freshly observed; controlling statute not re-investigated in P02. |\n| **S_SD-P2-C004** | The relevant budget row is on **printed 15/index 14**. | S002, performance page/footer. [My LRC](https://mylrc.sdlegislature.gov/api/Documents/Attachment/295234.pdf?Year=2026) | High; visual confirmation. |\n| **S_SD-P2-C005** | The row reports **actual FY2024: 50; actual FY2025: 49; estimated FY2026: 50; estimated FY2027: 50** debt-adjustment bonds. | S002, performance header and row. [My LRC](https://mylrc.sdlegislature.gov/api/Documents/Attachment/295234.pdf?Year=2026) | Counts unchanged; neither unique active providers nor current approvals established. |\n| **S_SD-P2-C006** | The displayed timestamp is **1/4/2025, 10:39:47 AM**. | S002, printed 15/index 14 footer. [My LRC](https://mylrc.sdlegislature.gov/api/Documents/Attachment/295234.pdf?Year=2026) | Display only; no inferred publication date. |\n| **S_SD-P2-C007** | The brief cautions that its Governor-budget basis may differ from the Legislature’s final budget. | S002, printed 1/index 0, introductory caution. [My LRC](https://mylrc.sdlegislature.gov/api/Documents/Attachment/295234.pdf?Year=2026) | No final-budget certification. |\n| **S_SD-P2-C008** | All four selected House section bodies state currency through **PL 119-120, October 7, 2026**. | S003, each section’s currency header. [US Code+3](https://uscode.house.gov/us/usc/119-118/t15/s1679a/) | Body statements—not an inference from URL naming. |\n| **S_SD-P2-C009** | The selected §1679a definitions and exclusions show no material wording difference between S005 and S003. | S005, printed 1552/index 1; S003, §1679a(1)–(4). [GovInfo+1](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf) | Coverage remains conditional; no South Dakota-wide CROA application inferred. |\n| **S_SD-P2-C010** | Both versions of §1679b(b) prohibit charging or receiving consideration for an agreed service before that service is fully performed. | S005, printed 1552/index 1; S003, §1679b(b). [GovInfo+1](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf) | Text comparison only; applicable-provider and service facts remain required. |\n| **S_SD-P2-C011** | Selected §1679d(a)–(b) text matches substantively: the signed, written, dated contract requirements and service-start restriction are not changed between these versions. | S005, printed 1553–1554/indices 2–3; S003, §1679d(a)–(b). [GovInfo+2](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf) | The service-start period begins on signing; no new agreement-law analysis undertaken. |\n| **S_SD-P2-C012** | Selected §1679e(a)–(c) cancellation, form, and copy provisions match substantively between the two versions. | S005, printed 1554/index 3; S003, §1679e(a)–(c). [GovInfo+1](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf) | The cancellation right in (a) runs to before midnight of the third business day beginning after execution or the specified enforceability event. No actual deadline calculated. |\n| **S_SD-P2-C013** | The supplied 119-124 chapter-front page does not authenticate P01’s claimed October 15 currency bridge. | S004, returned front matter. [US Code](https://uscode.house.gov/us/usc/119-124/t15/chapter41-front.html) | Successful retrieval, but insufficient content for that proposition. |\n| **S_SD-P2-C014** | The three preliminary-page failures supply no substantive evidence of amendment, repeal, or unchanged law. | S007, recorded 404 results. (Invalid URL) | Access failure is not a legal-status determination. |\n| **S_SD-P2-C015** | This pass does not establish the selected CROA provisions’ currentness for **October 8–27, 2026**. | S003’s stated cutoff; S004 and S007 limitations. [US Code+1](https://uscode.house.gov/us/usc/119-118/t15/s1679a/) | Exact later-period hold; not evidence that the law changed. |\n| **S_SD-P2-C016** | The fresh eCFR header is **October 23 / last Title 16 amendment October 19**. | S006, currency header. [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) | Does not identify an amendment to this particular clause; does not overwrite P01’s historical October 22 observation. |\n| **S_SD-P2-C017** | Under the applicable rule, the customer must **receive** the required funds within **seven business days of the request**. | S006, §310.4(a)(5)(ii)(E). [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) | Request-to-receipt requirement, not a transfer-initiation deadline. |\n| **S_SD-P2-C018** | The earned-funds exception requires compliance with **(i)(A)–(C)**: qualifying customer-executed debt alteration, payment under that agreement, and applicable fee allocation. | S006, §310.4(a)(5)(i)(A)–(C), (ii)(E). [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) | A payment alone does not establish the exception. |\n| **S_SD-P2-C019** | E03’s stipulated proportional calculation remains **$800 allocated to A; $300 previously received; $500 remaining**. | User-preserved E03 inputs; arithmetic below. | Numeric consistency only; prior collection is stipulated to follow all required conditions. |\n| **S_SD-P2-C020** | E03’s current account balance remains **$1,700 + $500 = $2,200**, with **$0 administrator fee**. | User-preserved E03 account snapshot. | The previous $300 is not deducted again. No actual entitlement or debit authority adjudicated. |\n\n### CROA correction’s precise effect\n\nP01-C032 may remain a **conditional statement supported by the selected 2024 text and corroborated by the section bodies displaying the October 7 cutoff**. It should not carry an authenticated October 15—or October 27—currency label on the evidence obtained here. The selected comparisons do not extend to the entire chapter, later public laws, implementing doctrine, or case law. [GovInfo+6](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf)\n\n## 4. E03 — Bounded correction, with the original method preserved\n\nThese are the supplied hypothetical inputs, not a verified consumer account or approved fee contract.\n\nPlain text\n```\nCurrency: USD.\n\nEnrollment balances:\nA = $4,000\nB = $6,000\nC = $10,000\nTotal = $4,000 + $6,000 + $10,000 = $20,000\n\nTotal contracted fee assumed for this arithmetic = $4,000.\nMethod throughout: proportional enrolled-balance allocation.\n\nA allocation:\n$4,000 × ($4,000 ÷ $20,000) = $800\n\nPrior A fee, stipulated received only after all A conditions = $300.\nRemaining A allocation:\n$800 − $300 = $500\n\nCurrent account:\nUnearned funds                         $1,700\nConditionally earned, untransferred A fee  $500\nAdministrator fee                         $0\nAccount total                         $2,200\n```\n\nAll arithmetic is exact; no rounding adjustment is needed. The previous $300 is outside the stated current balance and is not subtracted a second time.\n\n**Replacement for E03’s receipt sentence:** On the stipulated conditions, the $1,700 must reach the customer by the **P2-C017 request-based deadline**. The $500 is only the conditional earned-funds exclusion described in **P2-C018**, not automatic debit permission. [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\nThe $4,000 contracted-fee assumption is retained solely to preserve the example. It establishes neither legal reasonableness nor enforceability, provider authorization, a real withdrawal date, or a calendar deadline.\n\n### Two abstract failure branches\n\n**Status branch:** Treating the pending AG-136 entry as a final-approved retention rule fails the status check. Retain the approval hold; infer no provider permission. [South Dakota Official State Homepage](https://www.sd.gov/sys_attachment.do?sys_id=e52847c71be68b14df4edb1de54bcb78)\n\n**Receipt branch:** Initiating a transfer before the deadline but delivering the required funds afterward fails **P2-C017**. Initiation is not receipt. No actual calendar is assumed. [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\n## 5. Four-issue coverage and gap table\n\n| Issue | Status and claim IDs | Exact missing evidence or excluded inference | Bounded next action |\n| --- | --- | --- | --- |\n| **AG-136 pending status** | **Answered correction; later approval unresolved.** C001–C003. | No final-approved generic AG-136 policy with authenticated approval/effective status was established. Provider-specific maintenance and permission are excluded. | Preserve the qualification. No board-record or provider-file query. Reconsider only upon separately supplied or authorized final generic policy evidence. |\n| **FY2027 budget pinpoint** | **Answered.** C004–C007. | Nothing missing for the requested pinpoint repair. Final-budget correspondence and unique-provider/current-approval interpretations are not established and are outside this correction. | Replace the locator; retain the figures and cautions. No provider-count arithmetic or entity inquiry. |\n| **CROA currentness** | **Partial.** C008–C015. | Missing: operative section-level or other official legal-update evidence accounting for the period **after October 7 through October 27**, including the claimed October 15 connection. Front matter and failed pages do not fill it. | Keep that exact interval held. A later authorized check should target only the four selected statutory bodies and directly relevant official update evidence—not infer currency from a path, index, or snippet. |\n| **Dedicated-account request/receipt wording** | **Answered, conditionally applicable.** C016–C020. | No textual gap for the requested correction. Actual transaction facts, fee entitlement, debit authority, and calendar computation are excluded. | Replace the temporal wording in §4.2/C029/E03. Preserve the same proportional method and existing legal holds; do not rerun the other seven examples. |\n\n## 6. Researcher self-check\n\n**Actually read:** The seven selected PDF pages identified in the source table were visually checked. The four selected House section bodies, the supplied chapter-front page, and the identified eCFR header and clauses were read directly. This was not a review of the complete retention schedule, budget, CROA chapter, or TSR.\n\n**Actual failures and limits:** S007 records three fresh 404 responses. S004 loaded successfully but supplied no currency statement. The failed preliminary pages were not replaced with search-snippet assertions. The successful section bodies support only their expressly displayed cutoff; the later-period hold remains.\n\n**Not performed:** No board records, provider files, authorization databases, borrower/account records, case records, or dockets were queried. No contacts, filings, record requests, local artifact writes, or hash verification were undertaken. The coordinator’s supplied capture, review, numeric-check, and model history was not re-verified.\n\nThis is a researcher correction self-check, **not independent review or qualified legal approval**. Every other P01 source gap and state/country/contract hold remains unchanged, as do all parent-state, A066, operational, and publication holds.\n\nEND S_SD PASS-02.\n\n","tables":[{"headers":["Issue and exact P01 location","Superseded wording or treatment","Corrected finding and replacement treatment"],"index":0,"links":[{"href":"https://www.sd.gov/sys_attachment.do?sys_id=e52847c71be68b14df4edb1de54bcb78","text":"South Dakota Official State Homepage"},{"href":"https://mylrc.sdlegislature.gov/api/Documents/Attachment/295234.pdf?Year=2026","text":"My LRC\n+1"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679a/","text":"US Code\n+4"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"}],"row_links":[[],[{"href":"https://www.sd.gov/sys_attachment.do?sys_id=e52847c71be68b14df4edb1de54bcb78","text":"South Dakota Official State Homepage"}],[{"href":"https://mylrc.sdlegislature.gov/api/Documents/Attachment/295234.pdf?Year=2026","text":"My LRC\n+1"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679a/","text":"US Code\n+4"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"}]],"rows":[["Issue and exact P01 location","Superseded wording or treatment","Corrected finding and replacement treatment"],["1. Retention status: S_SD-P1-C014, §5.3, S_SD-P1-S007","§5.3 said the July 2026 schedule “requires permanent retention.” C014 combined the schedule and budget as evidence of ongoing administration without preserving the schedule’s pending-approval qualification.","AG-136’s permanent-retention language is qualified by same-page footnote 42: “Pending Records Destruction Board approval.” Treat it as pending generic policy—not a final approved retention rule or proof of a maintained provider bond. The S007 portion of C014 is narrowed accordingly. See P2-C001–C003. \nSouth Dakota Official State Homepage"],["2. Budget pinpoint: S_SD-P1-S008, its pinpoint in S_SD-P1-C014, and §5.3","S008 gave “Internal page 14/PDF page 15.”","Correct locator: printed page 15 / zero-based PDF index 14, the fifteenth PDF page. The original one-based PDF-page reference was correct; the internal/printed-page reference was not. The reported figures remain unchanged. Preserve the displayed timestamp and Governor-budget qualification in P2-C004–C007. \nMy LRC\n+1"],["3. CROA currency bridge: §4.3, S_SD-P1-S017–S018, S_SD-P1-C032","P01 attributed currency through Public Law 119-124, October 15, 2026, to House materials and used that assertion to connect the 2024 annual-edition text to the later date.","Each selected House section body freshly read here states currency through Public Law 119-120, October 7, 2026. The supplied chapter-front page displayed no currency statement. The selected 2024 passages match the later section bodies substantively, but October 8–27 currentness, including the asserted October 15 bridge, remains unverified. Conditional coverage is preserved; access failures establish neither a legal amendment nor that P01’s historical observation was false. See P2-C008–C015. \nUS Code\n+4"],["4. Dedicated-account deadline: §4.2, S_SD-P1-C029, E03, and S_SD-P1-S014","C029 described return “within seven business days after withdrawal”; E03 omitted the request-based starting point.","Replace that wording with customer receipt within seven business days of the customer’s request, excluding only funds earned under all applicable conditions in §310.4(a)(5)(i)(A)–(C). E03’s stipulated arithmetic remains unchanged. See P2-C016–C020 and the bounded correction below. \neCFR"]]},{"headers":["Source ID","Title, issuer, and complete HTTPS URL","Version/status","Exact pinpoint and actual read bounds"],"index":1,"links":[{"href":"https://www.sd.gov/sys_attachment.do?sys_id=e52847c71be68b14df4edb1de54bcb78","text":"South Dakota Official State Homepage\n+1"},{"href":"https://mylrc.sdlegislature.gov/api/Documents/Attachment/295234.pdf?Year=2026","text":"My LRC\n+1"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679a/","text":"US Code\n+3"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/chapter41-front.html","text":"US Code\n+1"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf","text":"GovInfo\n+2"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR\n+1"}],"row_links":[[],[{"href":"https://www.sd.gov/sys_attachment.do?sys_id=e52847c71be68b14df4edb1de54bcb78","text":"South Dakota Official State Homepage\n+1"}],[{"href":"https://mylrc.sdlegislature.gov/api/Documents/Attachment/295234.pdf?Year=2026","text":"My LRC\n+1"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679a/","text":"US Code\n+3"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/chapter41-front.html","text":"US Code\n+1"}],[{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf","text":"GovInfo\n+2"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR\n+1"}],[]],"rows":[["Source ID","Title, issuer, and complete HTTPS URL","Version/status","Exact pinpoint and actual read bounds"],["S_SD-P2-S001","Office of the Attorney General—Records Retention and Destruction Schedule, South Dakota records-management program/Attorney General.\nhttps://www.sd.gov/sys_attachment.do?sys_id=e52847c71be68b14df4edb1de54bcb78","Memorandum dated July 30, 2026; AG-136 footer 07/2026. Pending qualification preserved.","Printed 87 / PDF index 111: AG-136 description, citation, retention language, footnote 42. Unnumbered memorandum / PDF index 2: heading/date. Both pages visually checked; not the entire 135-page schedule. \nSouth Dakota Official State Homepage\n+1"],["S_SD-P2-S002","Office of the Attorney General—Fiscal Year 2027 Budget Brief Detail, official South Dakota legislative-hosted budget document.\nhttps://mylrc.sdlegislature.gov/api/Documents/Attachment/295234.pdf?Year=2026","FY2027 brief; displayed timestamp 1/4/2025, 10:39:47 AM. Not treated as an authenticated publication date.","Printed 15 / PDF index 14: performance header, debt-adjustment-bonds row, footer. Printed 1 / PDF index 0: Governor-budget caution. Both pages visually checked. \nMy LRC\n+1"],["S_SD-P2-S003","Selected Title 15 CROA section bodies, U.S. House Office of the Law Revision Counsel.\n§1679a, Definitions:\nhttps://uscode.house.gov/us/usc/119-118/t15/s1679a/\n§1679b, Prohibited practices:\nhttps://uscode.house.gov/us/usc/119-118/t15/s1679b/\n§1679d, Credit repair organizations contracts:\nhttps://uscode.house.gov/us/usc/119-118/t15/s1679d/\n§1679e, Right to cancel contract:\nhttps://uscode.house.gov/us/usc/119-118/t15/s1679e/","Each body, notwithstanding the 119-118 URL component, states laws in effect through PL 119-120 (October 7, 2026). Later currency not established.","Read each currency header and §1679a(1)–(4), §1679b(b), §1679d(a)–(b), §1679e(a)–(c). HTML; page/index N/A. §1679b was reached through §1679a’s “Next” link; the d/e locators were directly opened and returned substantive bodies. \nUS Code\n+3"],["S_SD-P2-S004","Chapter 41—Consumer Credit Protection—Front Matter, House OLRC.\nhttps://uscode.house.gov/us/usc/119-124/t15/chapter41-front.html","Successful retrieval of front matter, without a displayed currency statement. The path component is not adopted as legal-currentness evidence.","Chapter heading and section listing, including §§1679a–1679e; returned page checked for currency language. No operative section body or amendment bridge supplied by this page. HTML; page/index N/A. \nUS Code\n+1"],["S_SD-P2-S005","2024 U.S. Code, Title 15, Chapter 41, Subchapter II–A—Credit Repair Organizations, GovInfo/GPO official annual-edition PDF.\nhttps://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf","2024 annual edition, not independently an October 2026 currency certification.","Printed 1552 / index 1: §1679a and §1679b(b). Printed 1553 / index 2: §1679d(a). Printed 1554 / index 3: §1679d(b), §1679e(a)–(c). Selected passages visually checked and compared with S003; adjacent provisions not adopted. \nGovInfo\n+2"],["S_SD-P2-S006","16 C.F.R. §310.4—Abusive telemarketing acts or practices, FTC regulation displayed by eCFR/OFR-GPO.\nhttps://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","Authoritative but unofficial display. Header: through October 23, 2026; Title 16 last amended October 19, 2026.","Currency header; (a)(5)(i)(A)–(C) and (a)(5)(ii)(A)–(E), especially (ii)(E). HTML; page/index N/A. \neCFR\n+1"],["S_SD-P2-S007","Attempted preliminary-edition House section pages—failure log, not substantive authority.\n§1679b:\nhttps://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1679b+edition%3Aprelim%29\n§1679d:\nhttps://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1679d\n§1679e:\nhttps://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1679e+edition%3Aprelim%29","All three newly attempted routes returned 404 Not Found. No text, edition currency, or legal change authenticated through them.","Search-discovered URLs were actually opened. No substantive body read. Snippets were not used to supply missing law or dates. No unchanged retry followed. Page/index N/A. (Invalid URL)"]]},{"headers":["Claim ID","Precise corrected assertion","Source and pinpoint","Confidence and boundary"],"index":2,"links":[{"href":"https://www.sd.gov/sys_attachment.do?sys_id=e52847c71be68b14df4edb1de54bcb78","text":"South Dakota Official State Homepage"},{"href":"https://www.sd.gov/sys_attachment.do?sys_id=e52847c71be68b14df4edb1de54bcb78","text":"South Dakota Official State Homepage"},{"href":"https://www.sd.gov/sys_attachment.do?sys_id=e52847c71be68b14df4edb1de54bcb78","text":"South Dakota Official State Homepage"},{"href":"https://mylrc.sdlegislature.gov/api/Documents/Attachment/295234.pdf?Year=2026","text":"My LRC"},{"href":"https://mylrc.sdlegislature.gov/api/Documents/Attachment/295234.pdf?Year=2026","text":"My LRC"},{"href":"https://mylrc.sdlegislature.gov/api/Documents/Attachment/295234.pdf?Year=2026","text":"My LRC"},{"href":"https://mylrc.sdlegislature.gov/api/Documents/Attachment/295234.pdf?Year=2026","text":"My LRC"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679a/","text":"US Code\n+3"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf","text":"GovInfo\n+1"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf","text":"GovInfo\n+1"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf","text":"GovInfo\n+2"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf","text":"GovInfo\n+1"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/chapter41-front.html","text":"US Code"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679a/","text":"US Code\n+1"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"}],"row_links":[[],[{"href":"https://www.sd.gov/sys_attachment.do?sys_id=e52847c71be68b14df4edb1de54bcb78","text":"South Dakota Official State Homepage"}],[{"href":"https://www.sd.gov/sys_attachment.do?sys_id=e52847c71be68b14df4edb1de54bcb78","text":"South Dakota Official State Homepage"}],[{"href":"https://www.sd.gov/sys_attachment.do?sys_id=e52847c71be68b14df4edb1de54bcb78","text":"South Dakota Official State Homepage"}],[{"href":"https://mylrc.sdlegislature.gov/api/Documents/Attachment/295234.pdf?Year=2026","text":"My LRC"}],[{"href":"https://mylrc.sdlegislature.gov/api/Documents/Attachment/295234.pdf?Year=2026","text":"My LRC"}],[{"href":"https://mylrc.sdlegislature.gov/api/Documents/Attachment/295234.pdf?Year=2026","text":"My LRC"}],[{"href":"https://mylrc.sdlegislature.gov/api/Documents/Attachment/295234.pdf?Year=2026","text":"My LRC"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679a/","text":"US Code\n+3"}],[{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf","text":"GovInfo\n+1"}],[{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf","text":"GovInfo\n+1"}],[{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf","text":"GovInfo\n+2"}],[{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf","text":"GovInfo\n+1"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/chapter41-front.html","text":"US Code"}],[],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679a/","text":"US Code\n+1"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"}],[],[]],"rows":[["Claim ID","Precise corrected assertion","Source and pinpoint","Confidence and boundary"],["S_SD-P2-C001","AG-136’s retention text is subject to footnote 42’s pending-approval qualification.","S001, printed 87/index 111, AG-136 and footnote 42. \nSouth Dakota Official State Homepage","High for displayed status; no subsequent approval inferred."],["S_SD-P2-C002","The generic entry does not prove a particular bond remains maintained or a provider currently authorized.","S001, AG-136 description. \nSouth Dakota Official State Homepage","Evidentiary limitation, not a provider-status finding."],["S_SD-P2-C003","The entry prints “SDCL-34-34-3.” That apparent error remains distinct from P01’s retained §37-34-3 authority.","S001, AG-136 description. \nSouth Dakota Official State Homepage","Typo freshly observed; controlling statute not re-investigated in P02."],["S_SD-P2-C004","The relevant budget row is on printed 15/index 14.","S002, performance page/footer. \nMy LRC","High; visual confirmation."],["S_SD-P2-C005","The row reports actual FY2024: 50; actual FY2025: 49; estimated FY2026: 50; estimated FY2027: 50 debt-adjustment bonds.","S002, performance header and row. \nMy LRC","Counts unchanged; neither unique active providers nor current approvals established."],["S_SD-P2-C006","The displayed timestamp is 1/4/2025, 10:39:47 AM.","S002, printed 15/index 14 footer. \nMy LRC","Display only; no inferred publication date."],["S_SD-P2-C007","The brief cautions that its Governor-budget basis may differ from the Legislature’s final budget.","S002, printed 1/index 0, introductory caution. \nMy LRC","No final-budget certification."],["S_SD-P2-C008","All four selected House section bodies state currency through PL 119-120, October 7, 2026.","S003, each section’s currency header. \nUS Code\n+3","Body statements—not an inference from URL naming."],["S_SD-P2-C009","The selected §1679a definitions and exclusions show no material wording difference between S005 and S003.","S005, printed 1552/index 1; S003, §1679a(1)–(4). \nGovInfo\n+1","Coverage remains conditional; no South Dakota-wide CROA application inferred."],["S_SD-P2-C010","Both versions of §1679b(b) prohibit charging or receiving consideration for an agreed service before that service is fully performed.","S005, printed 1552/index 1; S003, §1679b(b). \nGovInfo\n+1","Text comparison only; applicable-provider and service facts remain required."],["S_SD-P2-C011","Selected §1679d(a)–(b) text matches substantively: the signed, written, dated contract requirements and service-start restriction are not changed between these versions.","S005, printed 1553–1554/indices 2–3; S003, §1679d(a)–(b). \nGovInfo\n+2","The service-start period begins on signing; no new agreement-law analysis undertaken."],["S_SD-P2-C012","Selected §1679e(a)–(c) cancellation, form, and copy provisions match substantively between the two versions.","S005, printed 1554/index 3; S003, §1679e(a)–(c). \nGovInfo\n+1","The cancellation right in (a) runs to before midnight of the third business day beginning after execution or the specified enforceability event. No actual deadline calculated."],["S_SD-P2-C013","The supplied 119-124 chapter-front page does not authenticate P01’s claimed October 15 currency bridge.","S004, returned front matter. \nUS Code","Successful retrieval, but insufficient content for that proposition."],["S_SD-P2-C014","The three preliminary-page failures supply no substantive evidence of amendment, repeal, or unchanged law.","S007, recorded 404 results. (Invalid URL)","Access failure is not a legal-status determination."],["S_SD-P2-C015","This pass does not establish the selected CROA provisions’ currentness for October 8–27, 2026.","S003’s stated cutoff; S004 and S007 limitations. \nUS Code\n+1","Exact later-period hold; not evidence that the law changed."],["S_SD-P2-C016","The fresh eCFR header is October 23 / last Title 16 amendment October 19.","S006, currency header. \neCFR","Does not identify an amendment to this particular clause; does not overwrite P01’s historical October 22 observation."],["S_SD-P2-C017","Under the applicable rule, the customer must receive the required funds within seven business days of the request.","S006, §310.4(a)(5)(ii)(E). \neCFR","Request-to-receipt requirement, not a transfer-initiation deadline."],["S_SD-P2-C018","The earned-funds exception requires compliance with (i)(A)–(C): qualifying customer-executed debt alteration, payment under that agreement, and applicable fee allocation.","S006, §310.4(a)(5)(i)(A)–(C), (ii)(E). \neCFR","A payment alone does not establish the exception."],["S_SD-P2-C019","E03’s stipulated proportional calculation remains $800 allocated to A; $300 previously received; $500 remaining.","User-preserved E03 inputs; arithmetic below.","Numeric consistency only; prior collection is stipulated to follow all required conditions."],["S_SD-P2-C020","E03’s current account balance remains $1,700 + $500 = $2,200, with $0 administrator fee.","User-preserved E03 account snapshot.","The previous $300 is not deducted again. No actual entitlement or debit authority adjudicated."]]},{"headers":["Issue","Status and claim IDs","Exact missing evidence or excluded inference","Bounded next action"],"index":3,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Issue","Status and claim IDs","Exact missing evidence or excluded inference","Bounded next action"],["AG-136 pending status","Answered correction; later approval unresolved. C001–C003.","No final-approved generic AG-136 policy with authenticated approval/effective status was established. Provider-specific maintenance and permission are excluded.","Preserve the qualification. No board-record or provider-file query. Reconsider only upon separately supplied or authorized final generic policy evidence."],["FY2027 budget pinpoint","Answered. C004–C007.","Nothing missing for the requested pinpoint repair. Final-budget correspondence and unique-provider/current-approval interpretations are not established and are outside this correction.","Replace the locator; retain the figures and cautions. No provider-count arithmetic or entity inquiry."],["CROA currentness","Partial. C008–C015.","Missing: operative section-level or other official legal-update evidence accounting for the period after October 7 through October 27, including the claimed October 15 connection. Front matter and failed pages do not fill it.","Keep that exact interval held. A later authorized check should target only the four selected statutory bodies and directly relevant official update evidence—not infer currency from a path, index, or snippet."],["Dedicated-account request/receipt wording","Answered, conditionally applicable. C016–C020.","No textual gap for the requested correction. Actual transaction facts, fee entitlement, debit authority, and calendar computation are excluded.","Replace the temporal wording in §4.2/C029/E03. Preserve the same proportional method and existing legal holds; do not rerun the other seven examples."]]}],"claims":[{"claim_id":"S_SD-P2-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SD-P2-C001","Precise corrected assertion":"AG-136’s retention text is subject to footnote 42’s pending-approval qualification.","Source and pinpoint":"S001, printed 87/index 111, AG-136 and footnote 42. \nSouth Dakota Official State Homepage","Confidence and boundary":"High for displayed status; no subsequent approval inferred."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_SD-P2-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SD-P2-C002","Precise corrected assertion":"The generic entry does not prove a particular bond remains maintained or a provider currently authorized.","Source and pinpoint":"S001, AG-136 description. \nSouth Dakota Official State Homepage","Confidence and boundary":"Evidentiary limitation, not a provider-status finding."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_SD-P2-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SD-P2-C003","Precise corrected assertion":"The entry prints “SDCL-34-34-3.” That apparent error remains distinct from P01’s retained §37-34-3 authority.","Source and pinpoint":"S001, AG-136 description. \nSouth Dakota Official State Homepage","Confidence and boundary":"Typo freshly observed; controlling statute not re-investigated in P02."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_SD-P2-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SD-P2-C004","Precise corrected assertion":"The relevant budget row is on printed 15/index 14.","Source and pinpoint":"S002, performance page/footer. \nMy LRC","Confidence and boundary":"High; visual confirmation."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_SD-P2-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SD-P2-C005","Precise corrected assertion":"The row reports actual FY2024: 50; actual FY2025: 49; estimated FY2026: 50; estimated FY2027: 50 debt-adjustment bonds.","Source and pinpoint":"S002, performance header and row. \nMy LRC","Confidence and boundary":"Counts unchanged; neither unique active providers nor current approvals established."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_SD-P2-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SD-P2-C006","Precise corrected assertion":"The displayed timestamp is 1/4/2025, 10:39:47 AM.","Source and pinpoint":"S002, printed 15/index 14 footer. \nMy LRC","Confidence and boundary":"Display only; no inferred publication date."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_SD-P2-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SD-P2-C007","Precise corrected assertion":"The brief cautions that its Governor-budget basis may differ from the Legislature’s final budget.","Source and pinpoint":"S002, printed 1/index 0, introductory caution. \nMy LRC","Confidence and boundary":"No final-budget certification."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_SD-P2-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SD-P2-C008","Precise corrected assertion":"All four selected House section bodies state currency through PL 119-120, October 7, 2026.","Source and pinpoint":"S003, each section’s currency header. \nUS Code\n+3","Confidence and boundary":"Body statements—not an inference from URL naming."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_SD-P2-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SD-P2-C009","Precise corrected assertion":"The selected §1679a definitions and exclusions show no material wording difference between S005 and S003.","Source and pinpoint":"S005, printed 1552/index 1; S003, §1679a(1)–(4). \nGovInfo\n+1","Confidence and boundary":"Coverage remains conditional; no South Dakota-wide CROA application inferred."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_SD-P2-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SD-P2-C010","Precise corrected assertion":"Both versions of §1679b(b) prohibit charging or receiving consideration for an agreed service before that service is fully performed.","Source and pinpoint":"S005, printed 1552/index 1; S003, §1679b(b). \nGovInfo\n+1","Confidence and boundary":"Text comparison only; applicable-provider and service facts remain required."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_SD-P2-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SD-P2-C011","Precise corrected assertion":"Selected §1679d(a)–(b) text matches substantively: the signed, written, dated contract requirements and service-start restriction are not changed between these versions.","Source and pinpoint":"S005, printed 1553–1554/indices 2–3; S003, §1679d(a)–(b). \nGovInfo\n+2","Confidence and boundary":"The service-start period begins on signing; no new agreement-law analysis undertaken."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_SD-P2-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SD-P2-C012","Precise corrected assertion":"Selected §1679e(a)–(c) cancellation, form, and copy provisions match substantively between the two versions.","Source and pinpoint":"S005, printed 1554/index 3; S003, §1679e(a)–(c). \nGovInfo\n+1","Confidence and boundary":"The cancellation right in (a) runs to before midnight of the third business day beginning after execution or the specified enforceability event. No actual deadline calculated."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_SD-P2-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SD-P2-C013","Precise corrected assertion":"The supplied 119-124 chapter-front page does not authenticate P01’s claimed October 15 currency bridge.","Source and pinpoint":"S004, returned front matter. \nUS Code","Confidence and boundary":"Successful retrieval, but insufficient content for that proposition."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_SD-P2-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SD-P2-C014","Precise corrected assertion":"The three preliminary-page failures supply no substantive evidence of amendment, repeal, or unchanged law.","Source and pinpoint":"S007, recorded 404 results. (Invalid URL)","Confidence and boundary":"Access failure is not a legal-status determination."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_SD-P2-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SD-P2-C015","Precise corrected assertion":"This pass does not establish the selected CROA provisions’ currentness for October 8–27, 2026.","Source and pinpoint":"S003’s stated cutoff; S004 and S007 limitations. \nUS Code\n+1","Confidence and boundary":"Exact later-period hold; not evidence that the law changed."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_SD-P2-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SD-P2-C016","Precise corrected assertion":"The fresh eCFR header is October 23 / last Title 16 amendment October 19.","Source and pinpoint":"S006, currency header. \neCFR","Confidence and boundary":"Does not identify an amendment to this particular clause; does not overwrite P01’s historical October 22 observation."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_SD-P2-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SD-P2-C017","Precise corrected assertion":"Under the applicable rule, the customer must receive the required funds within seven business days of the request.","Source and pinpoint":"S006, §310.4(a)(5)(ii)(E). \neCFR","Confidence and boundary":"Request-to-receipt requirement, not a transfer-initiation deadline."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_SD-P2-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SD-P2-C018","Precise corrected assertion":"The earned-funds exception requires compliance with (i)(A)–(C): qualifying customer-executed debt alteration, payment under that agreement, and applicable fee allocation.","Source and pinpoint":"S006, §310.4(a)(5)(i)(A)–(C), (ii)(E). \neCFR","Confidence and boundary":"A payment alone does not establish the exception."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_SD-P2-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SD-P2-C019","Precise corrected assertion":"E03’s stipulated proportional calculation remains $800 allocated to A; $300 previously received; $500 remaining.","Source and pinpoint":"User-preserved E03 inputs; arithmetic below.","Confidence and boundary":"Numeric consistency only; prior collection is stipulated to follow all required conditions."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_SD-P2-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_SD-P2-C020","Precise corrected assertion":"E03’s current account balance remains $1,700 + $500 = $2,200, with $0 administrator fee.","Source and pinpoint":"User-preserved E03 account snapshot.","Confidence and boundary":"The previous $300 is not deducted again. No actual entitlement or debit authority adjudicated."},"coordinator_verification_status":"not_yet_checked"}],"sources":[{"source_id":"S_SD-P2-S001","urls":["https://www.sd.gov/sys_attachment.do?sys_id=e52847c71be68b14df4edb1de54bcb78"],"researcher_record":{"Source ID":"S_SD-P2-S001","Title, issuer, and complete HTTPS URL":"Office of the Attorney General—Records Retention and Destruction Schedule, South Dakota records-management program/Attorney General.\nhttps://www.sd.gov/sys_attachment.do?sys_id=e52847c71be68b14df4edb1de54bcb78","Version/status":"Memorandum dated July 30, 2026; AG-136 footer 07/2026. Pending qualification preserved.","Exact pinpoint and actual read bounds":"Printed 87 / PDF index 111: AG-136 description, citation, retention language, footnote 42. Unnumbered memorandum / PDF index 2: heading/date. Both pages visually checked; not the entire 135-page schedule. \nSouth Dakota Official State Homepage\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_SD-P2-S002","urls":["https://mylrc.sdlegislature.gov/api/Documents/Attachment/295234.pdf?Year=2026"],"researcher_record":{"Source ID":"S_SD-P2-S002","Title, issuer, and complete HTTPS URL":"Office of the Attorney General—Fiscal Year 2027 Budget Brief Detail, official South Dakota legislative-hosted budget document.\nhttps://mylrc.sdlegislature.gov/api/Documents/Attachment/295234.pdf?Year=2026","Version/status":"FY2027 brief; displayed timestamp 1/4/2025, 10:39:47 AM. Not treated as an authenticated publication date.","Exact pinpoint and actual read bounds":"Printed 15 / PDF index 14: performance header, debt-adjustment-bonds row, footer. Printed 1 / PDF index 0: Governor-budget caution. Both pages visually checked. \nMy LRC\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_SD-P2-S003","urls":["https://uscode.house.gov/us/usc/119-118/t15/s1679a/","https://uscode.house.gov/us/usc/119-118/t15/s1679b/","https://uscode.house.gov/us/usc/119-118/t15/s1679d/","https://uscode.house.gov/us/usc/119-118/t15/s1679e/"],"researcher_record":{"Source ID":"S_SD-P2-S003","Title, issuer, and complete HTTPS URL":"Selected Title 15 CROA section bodies, U.S. House Office of the Law Revision Counsel.\n§1679a, Definitions:\nhttps://uscode.house.gov/us/usc/119-118/t15/s1679a/\n§1679b, Prohibited practices:\nhttps://uscode.house.gov/us/usc/119-118/t15/s1679b/\n§1679d, Credit repair organizations contracts:\nhttps://uscode.house.gov/us/usc/119-118/t15/s1679d/\n§1679e, Right to cancel contract:\nhttps://uscode.house.gov/us/usc/119-118/t15/s1679e/","Version/status":"Each body, notwithstanding the 119-118 URL component, states laws in effect through PL 119-120 (October 7, 2026). Later currency not established.","Exact pinpoint and actual read bounds":"Read each currency header and §1679a(1)–(4), §1679b(b), §1679d(a)–(b), §1679e(a)–(c). HTML; page/index N/A. §1679b was reached through §1679a’s “Next” link; the d/e locators were directly opened and returned substantive bodies. \nUS Code\n+3"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_SD-P2-S004","urls":["https://uscode.house.gov/us/usc/119-124/t15/chapter41-front.html"],"researcher_record":{"Source ID":"S_SD-P2-S004","Title, issuer, and complete HTTPS URL":"Chapter 41—Consumer Credit Protection—Front Matter, House OLRC.\nhttps://uscode.house.gov/us/usc/119-124/t15/chapter41-front.html","Version/status":"Successful retrieval of front matter, without a displayed currency statement. The path component is not adopted as legal-currentness evidence.","Exact pinpoint and actual read bounds":"Chapter heading and section listing, including §§1679a–1679e; returned page checked for currency language. No operative section body or amendment bridge supplied by this page. HTML; page/index N/A. \nUS Code\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_SD-P2-S005","urls":["https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf"],"researcher_record":{"Source ID":"S_SD-P2-S005","Title, issuer, and complete HTTPS URL":"2024 U.S. Code, Title 15, Chapter 41, Subchapter II–A—Credit Repair Organizations, GovInfo/GPO official annual-edition PDF.\nhttps://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf","Version/status":"2024 annual edition, not independently an October 2026 currency certification.","Exact pinpoint and actual read bounds":"Printed 1552 / index 1: §1679a and §1679b(b). Printed 1553 / index 2: §1679d(a). Printed 1554 / index 3: §1679d(b), §1679e(a)–(c). Selected passages visually checked and compared with S003; adjacent provisions not adopted. \nGovInfo\n+2"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_SD-P2-S006","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4"],"researcher_record":{"Source ID":"S_SD-P2-S006","Title, issuer, and complete HTTPS URL":"16 C.F.R. §310.4—Abusive telemarketing acts or practices, FTC regulation displayed by eCFR/OFR-GPO.\nhttps://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","Version/status":"Authoritative but unofficial display. Header: through October 23, 2026; Title 16 last amended October 19, 2026.","Exact pinpoint and actual read bounds":"Currency header; (a)(5)(i)(A)–(C) and (a)(5)(ii)(A)–(E), especially (ii)(E). HTML; page/index N/A. \neCFR\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_SD-P2-S007","urls":["https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1679b+edition%3Aprelim%29","https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1679d","https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1679e+edition%3Aprelim%29"],"researcher_record":{"Source ID":"S_SD-P2-S007","Title, issuer, and complete HTTPS URL":"Attempted preliminary-edition House section pages—failure log, not substantive authority.\n§1679b:\nhttps://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1679b+edition%3Aprelim%29\n§1679d:\nhttps://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1679d\n§1679e:\nhttps://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1679e+edition%3Aprelim%29","Version/status":"All three newly attempted routes returned 404 Not Found. No text, edition currency, or legal change authenticated through them.","Exact pinpoint and actual read bounds":"Search-discovered URLs were actually opened. No substantive body read. Snippets were not used to supply missing law or dates. No unchanged retry followed. Page/index N/A. (Invalid URL)"},"coordinator_verification_status":"not_yet_checked"}],"coverage":[{"topic":"AG-136 pending status","researcher_record":{"Issue":"AG-136 pending status","Status and claim IDs":"Answered correction; later approval unresolved. C001–C003.","Exact missing evidence or excluded inference":"No final-approved generic AG-136 policy with authenticated approval/effective status was established. Provider-specific maintenance and permission are excluded.","Bounded next action":"Preserve the qualification. No board-record or provider-file query. Reconsider only upon separately supplied or authorized final generic policy evidence."},"raw_table_index":3,"coordinator_acceptance":"awaiting_first_scoped_review","claim_reference_namespace":"Literal Cxxx/Sxxx refer to this S_SD-P2 namespace; original cells retained"},{"topic":"FY2027 budget pinpoint","researcher_record":{"Issue":"FY2027 budget pinpoint","Status and claim IDs":"Answered. C004–C007.","Exact missing evidence or excluded inference":"Nothing missing for the requested pinpoint repair. Final-budget correspondence and unique-provider/current-approval interpretations are not established and are outside this correction.","Bounded next action":"Replace the locator; retain the figures and cautions. No provider-count arithmetic or entity inquiry."},"raw_table_index":3,"coordinator_acceptance":"awaiting_first_scoped_review","claim_reference_namespace":"Literal Cxxx/Sxxx refer to this S_SD-P2 namespace; original cells retained"},{"topic":"CROA currentness","researcher_record":{"Issue":"CROA currentness","Status and claim IDs":"Partial. C008–C015.","Exact missing evidence or excluded inference":"Missing: operative section-level or other official legal-update evidence accounting for the period after October 7 through October 27, including the claimed October 15 connection. Front matter and failed pages do not fill it.","Bounded next action":"Keep that exact interval held. A later authorized check should target only the four selected statutory bodies and directly relevant official update evidence—not infer currency from a path, index, or snippet."},"raw_table_index":3,"coordinator_acceptance":"awaiting_first_scoped_review","claim_reference_namespace":"Literal Cxxx/Sxxx refer to this S_SD-P2 namespace; original cells retained"},{"topic":"Dedicated-account request/receipt wording","researcher_record":{"Issue":"Dedicated-account request/receipt wording","Status and claim IDs":"Answered, conditionally applicable. C016–C020.","Exact missing evidence or excluded inference":"No textual gap for the requested correction. Actual transaction facts, fee entitlement, debit authority, and calendar computation are excluded.","Bounded next action":"Replace the temporal wording in §4.2/C029/E03. Preserve the same proportional method and existing legal holds; do not rerun the other seven examples."},"raw_table_index":3,"coordinator_acceptance":"awaiting_first_scoped_review","claim_reference_namespace":"Literal Cxxx/Sxxx refer to this S_SD-P2 namespace; original cells retained"}],"annotations":{"at":"2026-10-27T19:49:41.851655+00:00","review":"[internal evidence reference]","disposition":"accepted_with_limits_bounded_correction_only","raw_originals_unchanged":true,"first_scoped_review_complete":true,"material_correction_required":false,"four_P01_wording_repairs_addressed":true,"broader_currentness_and_state_holds_retained":true,"no_component_acceptance":true,"no_actual_status_queries_authorized":true},"corrections":[],"resolved_corrections":[],"review_history":[]}