{"meta":{"key":"s_va--pass-01","task":"S_VA","title":"SVA Virginia provider market access and consumer fees","parent_title":"Virginia debt and debt relief law","edition":"pass-01","path":"/research/s_va--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":13,"claims":52,"sources":25,"review_status":"revise","review_complete":true,"sha256":"7c8f25708e80cd5842b17aabfb9a485a29ca82ad503f2ace7c32f5a50914e289","headings":["A. Substantive findings","1. Classification follows the conduct, funds arrangement, and customer—not the marketing label","2. Authorization, exclusions, and prohibited models","3. Consumer fee bases, ceilings, additional charges, and currentness","4. When a fee may be requested or received","5. Actual public application and verification routes","6. Worked examples","7. Component coverage and adjacent conduct","B. Source register","Virginia statutes, regulations, and enactments","SCC operational evidence","Federal baseline and attorney authorities","Access failures and recovery status","C. Claim register","Classification and market access","State consumer fees and timing","Federal timing and accounting context","Currentness, operational evidence, and retained limits","D. Worked examples and component coverage","Worked examples","Full component coverage and gap table","E. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_VA/pass-01","facets":{"geography":["us","us-va"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","fees-outcomes","provider-licensing"]},"scope":"Provider market access and consumer fees only; fullstate remainsrequired","pending_corrections":0},"markdown":"# S_VA PASS-01 — Virginia provider market access and consumer fees\n\n**Requested baseline:** October 22, 2026, Pacific.\n**Actual public-source access:** October 23, 2026, Pacific.\n\n**Virginia has separate statutory licensing paths for debt settlement and debt management plans.** Noncustodial settlement is not categorically prohibited. Compensated debt pooling outside an authorized path can, however, constitute unlawful practice of law. The current consumer-fee structures verified here are:\n\n- **Debt settlement:** either a maximum of **20% of enrolled debt principal**, or a maximum of **30% of the statutory settlement savings base**, with allocation, timing, and additional-charge restrictions.\n- **DMP:** a setup fee of at most **$75**, plus monthly maintenance of at most **15% of funds actually sent to creditors**, capped at **$60 per month**, with narrowly specified actual-cost reimbursements.\n- **Neither ceiling establishes permission to collect an advance fee.** Virginia’s settlement timing provision and an independently applicable federal Telemarketing Sales Rule must be applied separately. [law.lis.virginia.gov+5](https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2027/?utm_source=chatgpt.com)\n\nThis component establishes the principal statutory routes and fee calculations. It retains the specific interpretation and verification gaps identified below. **It does not establish SettleADebt.com’s authorization, complete the Virginia dossier, or constitute state or A066 acceptance.**\n\n**ID convention:** References such as **S001** and **C001** below mean **S_VA-P1-S001** and **S_VA-P1-C001**. The source and claim registers provide the fully qualified IDs.\n\n## A. Substantive findings\n\n### 1. Classification follows the conduct, funds arrangement, and customer—not the marketing label\n\nBoth principal chapters define the relevant consumer as a **Virginia-resident individual owing personal, family, or household debt**, including joint obligations. Their licensing provisions expressly reach providers without a Virginia office, agent, facility, or other physical presence. A remote provider does not avoid these requirements merely by contracting or operating elsewhere. **C001, C007.**\n\n| Actual activity or arrangement | Virginia classification and consequence | Claims |\n| --- | --- | --- |\n| Negotiating principal forgiveness without receiving or controlling creditor-payment funds | Debt settlement services under Chapter 20.1; ordinarily requires an SCC license. | C002, C007 |\n| Negotiating lower payments, charges, or fees while principal remains unchanged | Also within the settlement definition. Principal forgiveness is not necessary. | C002 |\n| Receiving money **or control of funds** for distribution to creditors | Debt pooling and distribution; a program agreeing to provide that service is a DMP under Chapter 20. | C003 |\n| A DMP that combines concessions with creditor distributions | Chapter 20 licensing applies. A Chapter 20 licensee needs no separate settlement license when settlement services are offered or provided **solely in connection with DMPs**. | C012 |\n| A settlement company that receives creditor-payment money or also offers a DMP | A settlement license alone is insufficient; Chapter 20 authorization is additionally required. | C012 |\n| Budget education without offering or undertaking creditor negotiation and without receiving or controlling distribution funds | Those facts alone do not satisfy the two core service definitions. This is a bounded classification inference, not clearance under every other law. | C004 |\n| Commercial-purpose debt | Outside these chapters’ specified consumer definition; that does **not** establish that compensated commercial debt pooling is unrestricted. Section 54.1-3905 is framed in terms of a “debtor,” not the narrower consumer definition. | C005, C013 |\n| A consumer-owned account administered by an independent company | Contemplated by § 6.2-2040(6), subject to its conditions. The label “dedicated account” does not resolve whether the provider actually controls funds or is providing a DMP. | C003, C028 |\n\nThe statutory settlement definition is broad enough to include concessions that leave principal intact. Conversely, a provider saying it “never touches the money” has not answered the DMP question: **control** also matters. The regulation expressly addresses third parties handling funds on a DMP licensee’s behalf. [law.lis.virginia.gov+2](https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2026/?utm_source=chatgpt.com)\n\nTwo narrower definition provisions should not become broad exemptions:\n\n- Section 6.2-2026 excludes specified facilitation of enrollment or qualification in government student-loan forgiveness/payment-reduction programs widely available at no cost to similarly situated consumers. This is not an exemption for every student-loan negotiation or a general authorization to charge for enrollment assistance.\n- The creditor definitions exclude specified professionals receiving installment payment for their own services and persons merely honoring credit cards. That does not resolve every medical, professional-service, purchased-debt, or financed-service arrangement. The CPA language in § 6.2-2000 is an exclusion from the **credit-counselor definition for customary CPA services**, not a blanket exemption from DMP licensing. **C004, C006.**\n\nThe state definitions do not contain the federal TSR’s express unsecured-debt limitation. That observation does not clear mortgage, secured-debt, or other sector-specific activity; those investigations remain open.\n\n### 2. Authorization, exclusions, and prohibited models\n\n#### Ordinary provider routes\n\nThe issuing authority is the **Virginia State Corporation Commission**, administered through its **Bureau of Financial Institutions**:\n\n- **Chapter 20.1, §§ 6.2-2026–2049**, with **10VAC5-230**: debt settlement services providers.\n- **Chapter 20, §§ 6.2-2000–2025**, with **10VAC5-110**: agencies providing DMPs.\n\nThese are statutory licenses, not merely ordinary business registrations. An application, corporate registration, counseling certificate, website claim, or regulator category listing is not an issued provider license. **C007, C016–C017, C041.**\n\n#### Exclusions require the actual qualifying person or entity\n\nBoth chapters exclude **banks, savings institutions, credit unions, and persons licensed to practice law in Virginia**. Neither contains a general nonprofit exclusion. A nonprofit conducting covered activity ordinarily needs the relevant license unless it satisfies an actual statutory exception. DMP disclosure requirements expressly contemplate both for-profit and nonprofit licensees. **C008–C009.**\n\nThe attorney exclusion cannot be established merely by employing, retaining, referring to, or associating with an attorney. I did not retrieve a controlling Virginia construction establishing that an attorney-affiliated nonlaw-firm entity qualifies. Nor does an out-of-state law license alone satisfy the Virginia statutory wording. [law.lis.virginia.gov+2](https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2027/?utm_source=chatgpt.com)\n\n#### Some applicants or activities are barred\n\nSections **6.2-2005(C)** and **6.2-2031(D)** prohibit issuing the respective license to a collection agency, creditor or association of creditors, or credit-granting organization or association. This cannot be converted into a normal licensing route because an agency website lists debt services generally.\n\nA creditor’s compromise of its own receivable is analytically different from acting as a paid consumer representative. That is a classification distinction, **not a verified general self-creditor exemption or permission to charge a separate debt-adjustment fee**. Actual exempt banks and similar institutions must be distinguished from ordinary creditor applicants. **C010–C011.**\n\nA DMP license also does not authorize buying consumers’ debt, lending to consumers, taking security interests, operating as a debt collector, or providing legal advice. **C050.** [law.lis.virginia.gov+2](https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2005/?utm_source=chatgpt.com)\n\n#### Debt pooling and unauthorized practice of law remain separate\n\nUnder **§ 54.1-3905**, compensated advice or services connected with a plan under which a debtor deposits money for distribution among creditors is deemed practicing law, subject to the statutory authorization for Chapter 20 licensees and Virginia State Bar members.\n\nThe provision excludes **mere payment transmission without negotiating, undertaking to negotiate, or holding out as negotiating** from that practice-of-law rule. That exclusion is not itself a Chapter 20 licensing exemption. A settlement license alone is not the DMP authorization named in § 54.1-3905. **C013.** [law.lis.virginia.gov](https://law.lis.virginia.gov/vacode/title54.1/chapter39/section54.1-3905/?utm_source=chatgpt.com)\n\n#### Substantive licensing conditions\n\nBoth paths require findings concerning fitness, financial responsibility, conflicts, independently certified counselors, limited creditor representation on governing bodies, fidelity coverage, and regulatory history. The DMP path additionally requires accreditation and an appropriate separate trust account.\n\nAt the market-entry level, the verified surety framework is **at least $25,000, with statutory limits up to $350,000**. Current fidelity minimums differ: **$250,000 for DMP licensees; $50,000 for settlement licensees**. These are provider obligations, not consumer charges. Full bond administration remains for the later bond/funds pass. **C014–C015.**\n\nThere is also an operational distinction: a DMP must be established by a counselor **employed by the licensee**; settlement agreements originating elsewhere are addressed through the final regulation’s compliance and aggregate-fee conditions. Outsourcing does not erase the licensee’s obligations. **C021, C051.** [law.lis.virginia.gov+5](https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2005/?utm_source=chatgpt.com)\n\n### 3. Consumer fee bases, ceilings, additional charges, and currentness\n\n#### Verified licensee fee structures\n\n| Structure | Verified base and ceiling | Restrictions and unresolved edges |\n| --- | --- | --- |\n| Settlement: principal method | Total fee no greater than **20% of principal enrolled**. | Not automatically 20% of the entire statement balance. Multiple-debt allocation applies. |\n| Settlement: savings method | Total fee no greater than **30% × [amount owed at settlement − amount to be paid to satisfy the debt]**. | The state reference date is settlement, not enrollment. Future-interest valuation and unusual payoff arrangements need further interpretation. |\n| Choice between settlement methods | The statute says **either** method. | It does not prescribe the lesser result, authorize adding both, or establish a right to optimize by switching methods debt by debt. |\n| Other settlement charges | No additional consumer fee or compensation for settlement services beyond § 6.2-2041. | No separate setup, monthly, enrollment, cancellation, or administrative-fee pathway was established. Outside-originator enrollment/setup charges fall within the regulation’s aggregate limit. |\n| DMP establishment | Setup fee no greater than **$75**. | For establishing the plan; not blanket permission to collect before performance or an applicable federal trigger. |\n| DMP maintenance | **15% of actual monthly funds sent to creditors**, with an absolute **$60 monthly maximum**. | The base is not merely money deposited with the provider. Do not multiply the monthly cap by payment frequency or creditor count within one DMP. |\n| DMP additional reimbursements | Actual cost of **one credit report and related information**, and actual bank charges for automatic account debiting for debt repayment. | Consumer’s advance permission after disclosure is required; no markup or general administrative-charge allowance. |\n| Contributions and hybrid charges | DMP limits cover fees **and contributions**; § 6.2-2016 prohibits other direct or indirect amounts with respect to a DMP except its stated reimbursements. | No additional settlement/savings surcharge on the same DMP was established. Separate-business/hybrid allocation is held. |\n\n**C018–C026.** [law.lis.virginia.gov+4](https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2041/?utm_source=chatgpt.com)\n\nThe settlement chapter’s separately defined capitalized term **“Principal”** concerns ownership/control of a business. It does not supply an accounting definition for the **principal amount of a consumer debt**. Capitalized interest, disputed charges, mixed balances, and re-enrollment resets should not be assumed into a fee base. **C044.**\n\nNo CPI escalator or annual consumer-fee adjustment mechanism was found in the operative provisions establishing these caps. The verified amounts therefore remain **$75/$60 and 20%/30%**. No inflation calculation has been invented. A DMP lifetime aggregate dollar cap was not established by these provisions; the setup, monthly, actual-cost, timing, and refund restrictions still apply. **C036.**\n\n#### Cancellation and credits\n\nFor a DMP, **§ 6.2-2014(1)(v)** requires return of undisbursed creditor-payment funds and:\n\n- **Within five days:** all fees paid.\n- **More than five but fewer than 31 days:** all fees except the setup fee.\n\nThe provision uses “days”; this report does not convert them to business days. After that period, it does not itself establish a blanket refund of every previously earned fee. Whether the permitted actual-cost reimbursements are included within “all fees” for this purpose remains held. **C024, C045.** [law.lis.virginia.gov](https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2014/?utm_source=chatgpt.com)\n\nFor settlement accounts, § 6.2-2040(6)(e) requires withdrawal without penalty and return of account funds except permissible fees earned for completed services. Previously paid fees must be accounted for against the total permitted fee; they cannot be charged again. The worked examples make that accounting explicit. **C020–C021, C028.**\n\n#### Exempt lawyers have a different fee framework\n\nThe SCC licensee caps should not simply be assigned to a person actually excluded as a Virginia lawyer. That does not make the lawyer’s charges unlimited.\n\nCurrent Virginia professional rules require **reasonable, adequately explained fees**; contingent arrangements require the specified written calculation terms. Unearned advances remain subject to safekeeping and refund duties. **Rule 1.5(g), effective July 15, 2025, prohibits nonrefundable advanced legal fees.** A genuine availability retainer is distinguished from prepayment for future services; a label alone does not establish that distinction. Independently applicable TSR restrictions remain separate. **C049.** [vacourts.gov+3](https://www.vacourts.gov/static/courts/scv/amendments/part%20six_sect_ii_rule_1_5.pdf?utm_source=chatgpt.com)\n\nNo general numerical debt-settlement percentage cap for an actually exempt lawyer was established by these professional rules. Institution-specific permissible fees for excluded banks, savings institutions, and credit unions were not established in this component.\n\n#### Historical and current-law reconciliation\n\n| Evidence | Correct treatment |\n| --- | --- |\n| 2020 Acts, Chapter 785 | Created the settlement licensing framework, **effective July 1, 2021**. The approval date was not its effective date. Its specified annual reports were not a licensing sunset. |\n| 2021 settlement regulation proposal versus final order | The final SCC order, **effective December 15, 2021**, controls. It adopted **$50,000** fidelity coverage, not the proposed $250,000, and adopted a conditional outside-originator provision rather than the proposed blanket restriction. |\n| 2015 DMP regulatory order | The operative amendments became effective **December 1, 2015**. Provider assessment provisions do not constitute CPI adjustments to consumer fees. |\n| SCC report dated December 1, 2025 | Dated corroboration of the settlement fee framework; not proof of October 2026 status for any provider. |\n| 2025 Acts, Chapter 214 | Its relevant amendment became effective **July 1, 2026**, updating § 6.2-2001’s money-transmitter cross-reference to Chapter 19.1. It did not change the consumer caps discussed here. |\n| Current Code and Administrative Code | Used for the operative rules, with enactments/orders used to verify material effective dates. A webpage’s displayed date is not a legislative effective date. |\n\n**C036–C040.** [2020 session > Legislation+4](https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+ful+CHAP0785+pdf=&utm_source=chatgpt.com)\n\n### 4. When a fee may be requested or received\n\n#### Virginia settlement timing\n\nSection **6.2-2040(3)** prohibits requesting or receiving payment or other compensation until:\n\n1. The licensee has negotiated, settled, reduced, or otherwise altered at least one debt pursuant to its services agreement with the consumer; and\n2. The consumer has made at least one payment to the relevant creditor following that alteration.\n\nThe written services agreement and required fee disclosure do not make the fee immediately payable. **C027.**\n\nThe Virginia provision uses **“at least one debt.”** Section 6.2-2041(B) separately limits principal-method collections to the proportion represented by an individual settled debt. I did not retrieve controlling Virginia authority resolving the precise state-only treatment of a **later settled but unpaid debt**. That issue is held rather than silently importing the federal construction into state law. **C047.** [law.lis.virginia.gov+1](https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2040/?utm_source=chatgpt.com)\n\n#### Virginia DMP timing\n\nThe DMP statute authorizes charges **for establishing and maintaining** a plan and bases maintenance on actual creditor disbursements. It does not reproduce Chapter 20.1’s settlement-success trigger. That difference does not establish permission for every proposed advance-billing practice.\n\nThe earliest permissible state-only collection before establishment, and billing maintenance against projected rather than actual remittances, were not resolved by an authoritative interpretation retrieved here. **C025.**\n\n#### Federal TSR: separate common context\n\nWhere the TSR independently applies, **16 CFR 310.4(a)(5)** supplies an additional advance-fee restriction. Its coverage concerns qualifying telemarketing and debt-relief services involving unsecured creditors or collectors. Covered inbound responses to debt-relief advertising are not protected by the ordinary advertising-response exemptions. It should not be treated as a universal rule for every transaction regardless of channel, entity, or exemption. **C029.**\n\nFor a covered individually resolved debt, the rule and FTC explanation require a valid customer-executed creditor arrangement, at least one payment under that arrangement, and a compliant allocated fee. Fee allocation uses either:\n\n- A proportional share based on **enrollment debt amounts**; or\n- A consistent percentage of savings measured using **the enrollment amount**, with the required satisfaction amount properly accounted for.\n\n**The TSR does not itself impose Virginia’s 30% ceiling.** Its enrollment-based savings rule and Virginia’s settlement-date ceiling are different requirements. **C030–C031.** [ecfr.gov+3](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com)\n\nThe FTC’s final-rule explanation expressly addresses genuine installment settlements: an appropriate fee can become collectible after the first creditor-agreed installment. A provider cannot split a creditor-required lump sum into artificial installments to manufacture that trigger. For savings calculations, the full satisfaction amount matters, not merely the first installment. **C032.**\n\nFor covered DMPs, the same explanation states that setup fees must wait until enrollment and the first payment; subsequent monthly servicing fees are not categorically prohibited. **C033.** [govinfo.gov+3](https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf?utm_source=chatgpt.com)\n\n#### Accounts and withdrawal\n\nVirginia settlement law prohibits **requiring** an account as a condition of service. A requested account must satisfy the FDIC-insurance, consumer ownership, independence, and referral-compensation conditions. It also prohibits requiring a power of attorney as a condition of settlement services.\n\nThe TSR permits a qualifying account arrangement but requires return of the consumer’s funds, less lawfully earned fees, **within seven business days of the withdrawal request**. That federal allowance does not override Virginia’s prohibition on requiring the account. The seven-business-day deadline is attributed here to the federal rule, not invented as wording in § 6.2-2040. **C028, C034.** [law.lis.virginia.gov+1](https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2040/?utm_source=chatgpt.com)\n\n### 5. Actual public application and verification routes\n\nThe SCC’s **Application Forms** page was opened, along with the actual application PDFs:\n\n| Route | Actual material read | What it establishes |\n| --- | --- | --- |\n| Debt settlement | **CCB-11001**, revision **7/2026**, six pages | Current posted application and instructions, including application fee, bond, ownership/financial information, counselor qualifications, and supporting documents. |\n| DMP/credit counseling | **CCB-7700**, revision **07/2026**, six pages | Current posted application and instructions, including trust-account, accreditation, counselor, financial, and disclosure materials. |\n| General filing procedure | SCC Application Forms page | Posted mailed/emailed application process and electronic-invoice fee procedure. |\n| Current status verification | SCC “Regulated Financial Institutions—Verify a License” | Directs both DMP agencies and settlement providers to **SCC Company Search**. |\n| Actual Company Search | https://www.scc.virginia.gov/licenseesearch | Returned loading/rejoin/session failures; no provider record was retrieved. |\n\nThe ordinary statutory application charge is **$500, nonrefundable**, for each license path. Filing and payment do not confer permission before issuance. Licenses identify the licensed entity/names and locations and continue until surrendered, suspended, or revoked; annual regulatory assessments are separate. **C016–C017, C042.** [Application Forms+4](https://www.scc.virginia.gov/regulated-industries/bureau-of-financial-institutions/application-forms/?utm_source=chatgpt.com)\n\nThe DMP application contains a “Chapter 10” reference in an instruction item; its heading and the controlling statute identify **Chapter 20**. The form does not amend the statute.\n\n**Named-provider status remains unverified.** The public verification page was useful procedural evidence, but the failed lookup supplied no license number, active status, authorized location, or entity match. A marketing statement cannot fill that gap. **C041.** [scc.virginia.gov+1](https://www.scc.virginia.gov/consumers/banks-consumer-lenders/regulated-financial-institutions/?utm_source=chatgpt.com)\n\n### 6. Worked examples\n\nSection D supplies calculations for lower-debt settlement, partial settlement, genuine installments, previous fees, monthly DMP bases, fee-inclusive payments, reimbursements, cancellation, attorney advances, and provider assessments. Each states its assumptions and distinguishes arithmetic from legal authorization.\n\n### 7. Component coverage and adjacent conduct\n\nThe core definitions, ordinary licensing paths, principal exclusions, consumer fee formulas, effective-date reconciliation, and state/federal timing distinction are answered. The remaining questions are specifically retained in the coverage table.\n\nOne adjacent boundary matters now: paid promises to improve credit or obtain credit may trigger the **Virginia Credit Services Businesses Act**, including its separate registration regime with the Commissioner of Agriculture and Consumer Services. Its exclusions differ from the SCC chapters. Its performance-before-payment rule has a specified cancellable written-subscription exception, but that exception does not establish compliance with federal credit-repair or telemarketing law. No credit-repair or credit-procurement add-on fee pathway is cleared here. **C043.** [law.lis.virginia.gov+1](https://law.lis.virginia.gov/vacodefull/title59.1/chapter25.1/?utm_source=chatgpt.com)\n\n## B. Source register\n\n**Access notation:** **R23** = relevant substantive text actually opened/read on October 23, 2026, Pacific; **D23** = discovery only; **F23** = attempted access failed. A chapter retains one source ID across its sections.\n\n### Virginia statutes, regulations, and enactments\n\n| Source ID | Title / issuer and direct literal URL | Exact pinpoints read and legal status | Access / limitations |\n| --- | --- | --- | --- |\n| **S_VA-P1-S001** | *Code of Virginia, Title 6.2, Chapter 20.1—Debt Settlement Services Providers*, Virginia General Assembly. [https://law.lis.virginia.gov/vacodefull/title6.2/chapter20.1/](https://law.lis.virginia.gov/vacodefull/title6.2/chapter20.1/?utm_source=chatgpt.com) | §§ 2026–2029, 2031–2032, 2040(1)–(7), 2041(A)–(C), with associated chapter provisions. Current codified text; operative origin/effective date checked against S006. | **R23.** Primary Virginia law. Does not prove any entity’s license. |\n| **S_VA-P1-S002** | *Code of Virginia, Title 6.2, Chapter 20—Agencies Providing Debt Management Plans*. [https://law.lis.virginia.gov/vacodefull/title6.2/chapter20/](https://law.lis.virginia.gov/vacodefull/title6.2/chapter20/?utm_source=chatgpt.com) | §§ 2000–2006, 2014(1), (5)–(16), 2015–2016; relevant licensing/assessment provisions. Current codification. § 2001’s 2026-effective amendment checked against S020. | **R23.** Fee sections retain their published 2004/2010 history; webpage date is not an effective date. |\n| **S_VA-P1-S003** | *10VAC5-230—Debt Settlement Services Providers*, SCC / Virginia Administrative Code. [https://law.lis.virginia.gov/admincodefull/title10/agency5/chapter230/](https://law.lis.virginia.gov/admincodefull/title10/agency5/chapter230/?utm_source=chatgpt.com) | Full operative chapter; especially -20, -40, -50(A)–(J), -60, -80. Effective **December 15, 2021** in published histories. | **R23.** Final regulation, corroborated by S007; regulatory waiver language is not an assumed statutory waiver. |\n| **S_VA-P1-S004** | *10VAC5-110—Credit Counseling*, SCC / Virginia Administrative Code. [https://law.lis.virginia.gov/admincodefull/title10/agency5/chapter110/](https://law.lis.virginia.gov/admincodefull/title10/agency5/chapter110/?utm_source=chatgpt.com) | Full operative chapter; especially -10 “total amount disbursed,” -20, -30, -40(B), (C), (I), (L), (M), -70. Relevant latest amendments effective **December 1, 2015**. | **R23.** Chapter 110 is the relevant DMP regulation. |\n| **S_VA-P1-S005** | *Code of Virginia, Title 54.1, Chapter 39—Attorneys*. [https://law.lis.virginia.gov/vacode/title54.1/chapter39/section54.1-3905/](https://law.lis.virginia.gov/vacode/title54.1/chapter39/section54.1-3905/?utm_source=chatgpt.com) ; [https://law.lis.virginia.gov/vacode/title54.1/chapter39/section54.1-3904/](https://law.lis.virginia.gov/vacode/title54.1/chapter39/section54.1-3904/?utm_source=chatgpt.com) | § 3905 complete operative paragraphs; § 3904 general unauthorized-practice provision. Current codification. | **R23.** Commercial-pooling and entity-specific applications remain limited by missing interpretation. |\n| **S_VA-P1-S006** | *2020 Acts of Assembly, Chapter 785, HB 1553*. [https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+ful+CHAP0785+pdf=](https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+ful+CHAP0785+pdf&utm_source=chatgpt.com) | Enacted Chapter 20.1; enactments 2–3. Approved **April 7, 2020**; effective **July 1, 2021**. | **R23.** Successful alternate official route; original route failure recorded below. |\n| **S_VA-P1-S007** | *Final SCC order and regulation, Case BFI-2021-00010*, Virginia Register, Vol. 38, Issue 8. [https://register.dls.virginia.gov/details.aspx?id=9959](https://register.dls.virginia.gov/details.aspx?id=9959&utm_source=chatgpt.com) | Order **November 18, 2021**; final attached 10VAC5-230, particularly -20(C), -50(B). Effective **December 15, 2021**. | **R23.** Final adoption, not proposed wording. |\n| **S_VA-P1-S008** | *Final SCC order and DMP amendments, Case BFI-2015-00039*, Virginia Register, Vol. 32, Issue 5. [https://register.dls.virginia.gov/details.aspx?id=5231](https://register.dls.virginia.gov/details.aspx?id=5231&utm_source=chatgpt.com) | Order and operative attached 10VAC5-110 amendments. Published **November 2, 2015**; effective **December 1, 2015**. | **R23.** Historical adoption supporting current regulatory text. |\n| **S_VA-P1-S009** | *2026 Code Updates—Title 6.2*, Virginia General Assembly. [https://law.lis.virginia.gov/vacodeupdates/title6.2/](https://law.lis.virginia.gov/vacodeupdates/title6.2/?utm_source=chatgpt.com) | Chapter 20 entry for § 2001; checked for relevant chapter updates. | **R23.** Update index corroboration; not a substitute for an enactment or exhaustive litigation/currentness certification. |\n| **S_VA-P1-S019** | *Virginia Credit Services Businesses Act, Title 59.1, Chapter 25.1*. [https://law.lis.virginia.gov/vacodefull/title59.1/chapter25.1/](https://law.lis.virginia.gov/vacodefull/title59.1/chapter25.1/?utm_source=chatgpt.com) | §§ 335.2 definitions/exclusions, 335.3 registration, 335.5 prohibited practices. Current codification. | **R23.** Boundary analysis only; full credit-services/CROA investigation remains open. |\n| **S_VA-P1-S020** | *2025 Acts of Assembly, Chapter 214, HB 1942*, official LIS PDF. [https://lis.blob.core.windows.net/files/1072214.PDF](https://lis.blob.core.windows.net/files/1072214.PDF?utm_source=chatgpt.com) | PDF pp. 17–18, amendment to § 6.2-2001; p. 25, enactment 8. Approved **March 21, 2025**; relevant effective date **July 1, 2026**. | **R23.** Enacted text recovered from official static PDF; no longer future-effective at this check. |\n| **S_VA-P1-S021** | *2021 proposed 10VAC5-230*, Virginia Register. [https://register.dls.virginia.gov/details.aspx?id=9772](https://register.dls.virginia.gov/details.aspx?id=9772&utm_source=chatgpt.com) | Proposal identified as a historical lead. | **D23.** Not separately relied on as operative text; final changes were read in S007. |\n\n### SCC operational evidence\n\n| Source ID | Title / issuer and direct literal URL | Exact pinpoint / status | Access / limitations |\n| --- | --- | --- | --- |\n| **S_VA-P1-S010** | *Application Forms*, SCC Bureau of Financial Institutions. [https://www.scc.virginia.gov/regulated-industries/bureau-of-financial-institutions/application-forms/](https://www.scc.virginia.gov/regulated-industries/bureau-of-financial-institutions/application-forms/?utm_source=chatgpt.com) | General submission/payment instructions; Credit Counseling and Debt Settlement Services Providers sections. | **R23.** Current posted procedure, not statutory permission or issuance. |\n| **S_VA-P1-S011** | *Application for a License to Engage in the Business of Providing Debt Settlement Services*, SCC, CCB-11001. [https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/application-forms/ccb11001.pdf](https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/application-forms/ccb11001.pdf?utm_source=chatgpt.com) | Six-page form, **Rev. 7/2026**; especially pp. 1–2 instructions and required supporting materials. | **R23.** Actual application read; no application submitted. |\n| **S_VA-P1-S012** | *Application for a License to Engage in Business as an Agency Providing Debt Management Plans*, SCC, CCB-7700. [https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/application-forms/ccb7700.pdf](https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/application-forms/ccb7700.pdf?utm_source=chatgpt.com) | Six-page form, **Rev. 07/2026**; especially pp. 1–2 instructions. | **R23.** “Chapter 10” instruction reference does not override Chapter 20 law. |\n| **S_VA-P1-S013** | *Regulated Financial Institutions—Verify a License*, SCC. [https://www.scc.virginia.gov/consumers/banks-consumer-lenders/regulated-financial-institutions/](https://www.scc.virginia.gov/consumers/banks-consumer-lenders/regulated-financial-institutions/?utm_source=chatgpt.com) | Company Search description and explicit inclusion of DMP agencies and settlement providers. | **R23.** Establishes the public verification route. |\n| **S_VA-P1-S014** | *Company Search*, SCC. [https://www.scc.virginia.gov/licenseesearch](https://www.scc.virginia.gov/licenseesearch?utm_source=chatgpt.com) | Only loading, failed rejoin, paused-session, and failed-resume content returned. | **F23.** No individual record or current status obtained. |\n| **S_VA-P1-S015** | *Debt Settlement Services Providers report*, SCC, **December 1, 2025**, RD913. [https://rga.lis.virginia.gov/Published/2025/RD913/PDF](https://rga.lis.virginia.gov/Published/2025/RD913/PDF?utm_source=chatgpt.com) | Printed pp. 1–2, PDF pp. 5–6: dated licensing information and fee framework. | **R23.** Historical reporting; not an October 2026 license roster. |\n\n### Federal baseline and attorney authorities\n\n| Source ID | Title / issuer and direct literal URL | Exact pinpoint / legal status | Access / limitations |\n| --- | --- | --- | --- |\n| **S_VA-P1-S016** | *16 CFR Part 310—Telemarketing Sales Rule*, eCFR/OFR. [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com) ; [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com) ; [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6?utm_source=chatgpt.com) | §§ 310.2(o), (ii); 310.4(a)(5)(i)(A)–(C), (ii)(A)–(E); 310.6 relevant exemptions. Displayed current through **October 21, 2026**. | **R23.** Federal common context. eCFR describes itself as authoritative but unofficial; coverage remains fact-dependent. |\n| **S_VA-P1-S017** | *Debt Relief Services & the Telemarketing Sales Rule: A Guide for Business*, FTC. [https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business](https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business?utm_source=chatgpt.com) | Coverage, collecting fees, individual debts, dedicated accounts, attorney/nonprofit discussion. | **R23.** Official staff guidance, expressly not a substitute for the rule. |\n| **S_VA-P1-S018** | *Telemarketing Sales Rule final rule*, FTC, **75 FR 48458–48523**, August 10, 2010. [https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf](https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf?utm_source=chatgpt.com) | Printed pp. 48467–69; p. 48477 n.262; pp. 48489–90, III.C.5 and nn.431–432. Advance-fee provisions effective **October 27, 2010**. | **R23.** Historical final adoption and Commission explanation; current rule checked separately in S016. |\n| **S_VA-P1-S022** | Virginia State Bar disciplinary PDF lead, filename *Perry-082626.pdf*. [https://vsbwebstorage.blob.core.windows.net/%24web/actions/Perry-082626.pdf](https://vsbwebstorage.blob.core.windows.net/%24web/actions/Perry-082626.pdf) | No substantive passage obtained. | **F23.** Tool reported inaccessible. Contents, holding, and relevance remain unverified; no legal conclusion drawn from the lead. |\n| **S_VA-P1-S023** | *Rules of the Supreme Court of Virginia, Part Six, Section II—Rules of Professional Conduct*, official VSB publication. [https://vsb.org/Site/Site/about/rules-regulations/rpc-part6-sec2.aspx](https://vsb.org/Site/Site/about/rules-regulations/rpc-part6-sec2.aspx?utm_source=chatgpt.com) | Rule 1.5(a)–(c), (g), comments [4], [10]–[11]; Rule 1.15(a), (b), comment [2a]; Rule 1.16(d). Current posted rules. | **R23.** Selected operative fee/custody/refund passages, not a full professional-responsibility review. |\n| **S_VA-P1-S024** | *Supreme Court of Virginia order amending Rule 1.5*, **May 16, 2025**. [https://www.vacourts.gov/static/courts/scv/amendments/part%20six_sect_ii_rule_1_5.pdf](https://www.vacourts.gov/static/courts/scv/amendments/part%20six_sect_ii_rule_1_5.pdf?utm_source=chatgpt.com) | All three pages; p. 2, Rule 1.5(g); pp. 2–3 comments; p. 3 effective clause: **July 15, 2025**. | **R23.** Adopted court rule, not a proposal or a merits construction of the debt-service statutes. |\n| **S_VA-P1-S025** | *Legal Ethics Opinion 1606—Fees (Compendium Opinion)*, VSB. [https://vsb.org/common/Uploaded%20files/LEOs/1606.pdf](https://vsb.org/common/Uploaded%20files/LEOs/1606.pdf?utm_source=chatgpt.com) | p. 2 § 1; pp. 4–5 §§ 3–5. Committee opinion November 22, 1994; **Supreme Court approved November 2, 2016**. | **R23.** Uses predecessor disciplinary-rule numbering; current relevance corroborated by current Rule 1.5 comment [10]. |\n\n### Access failures and recovery status\n\n| Route attempted | Actual outcome | Treatment / exact next action |\n| --- | --- | --- |\n| [https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+ful+CHAP0785](https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+ful+CHAP0785&utm_source=chatgpt.com) | Document unavailable through that route. | **Recovered** through S006’s official +pdf= route; no substantive enactment gap remains. |\n| [https://lis.virginia.gov/bill-details/20251/HB1942/text/CHAP0214](https://lis.virginia.gov/bill-details/20251/HB1942/text/CHAP0214) | Application shell rather than usable enacted text. | **Recovered** through S020’s official static PDF. |\n| S014, SCC Company Search | Session/loading failure; no record. | **Unresolved.** Retry the public webpage and match legal entity, category, license number, status, and locations when accessible. |\n| S022, Perry PDF | Inaccessible through the public retrieval tool. | **Unresolved.** Obtain an accessible official copy and subsequent history before using any finding. |\n\n## C. Claim register\n\n**Confidence:** **High** means directly supported by the cited operative text or observed procedural evidence; it does not decide unknown provider facts. **Bounded** means a stated inference or limited conclusion. **Held** means the missing authority or facts prevent the proposed extension.\n\n### Classification and market access\n\n| Claim ID | Precise assertion | Sources / pinpoints | Conditions, currentness, confidence |\n| --- | --- | --- | --- |\n| **S_VA-P1-C001** | Both chapters’ consumer definition requires a Virginia-resident individual and personal/family/household debt, including joint obligations. | S001 § 2026; S002 § 2000 | **High.** Commercial and nonresident arrangements need separate analysis. |\n| **S_VA-P1-C002** | Settlement includes forgiveness and reductions of payments, charges, or fees; custody and principal forgiveness are not necessary elements. | S001 § 2026 | **High.** Actual conduct controls. |\n| **S_VA-P1-C003** | A DMP involves pooling/distribution, including transfer of control of funds; lack of physical receipt alone does not avoid classification. | S002 § 2000; S004 -40(C), (L) | **High.** Actual account/control facts still required. |\n| **S_VA-P1-C004** | Pure education without the defined activities is outside those definitions on the assumed facts; customary-CPA wording is not a blanket licensing exemption. | S002 § 2000; S001 § 2026 | **Bounded.** Other laws and actual representations remain relevant. |\n| **S_VA-P1-C005** | Business-purpose debt falls outside these consumer definitions, but compensated commercial pooling is not thereby cleared. | S001 § 2026; S002 § 2000; S005 § 3905 | **High** on definitions; **held** on a general commercial-service permission. |\n| **S_VA-P1-C006** | Student-program facilitation and specified professional/credit-card creditor exclusions are narrow definitional provisions. | S001 § 2026; S002 § 2000 | **High.** No blanket student-loan or medical-debt exemption inferred. |\n| **S_VA-P1-C007** | Offering/providing covered services in business requires the relevant SCC license, including remote providers. | S001 § 2027(A); S002 § 2001(A) | **High.** Subject to actual statutory exclusions. |\n| **S_VA-P1-C008** | Both chapters exclude banks, savings institutions, credit unions, and persons licensed to practice law in Virginia. | S001 § 2027(A); S002 § 2001(A) | **High** text; attorney-affiliated entity qualification **held**. |\n| **S_VA-P1-C009** | Nonprofit status alone is not an exemption; the DMP framework expressly contemplates profit and nonprofit entities. | S002 §§ 2001, 2005(A)(9); S001 §§ 2027, 2031 | **High.** Eligibility and issuance still required. |\n| **S_VA-P1-C010** | Collection agencies, creditors/creditor associations, and credit-granting organizations/associations cannot receive these licenses under the stated provisions. | S002 § 2005(C); S001 § 2031(D) | **High.** Distinguish actually excluded institutions. |\n| **S_VA-P1-C011** | Compromising one’s own receivable differs from paid consumer representation; no general self-creditor fee exemption was established. | S001 § 2026; §§ 2027, 2031(D); S002 § 2005(C) | **Bounded.** No separate-fee permission inferred. |\n| **S_VA-P1-C012** | A DMP licensee has a settlement-license exception only for services solely connected to DMPs; a settlement license alone does not authorize receiving creditor-payment money or offering DMPs. | S001 § 2027(C)–(D) | **High.** Separate activities require separate classification. |\n| **S_VA-P1-C013** | Compensated pooling-related advice/services can be practice of law; authorized DMP providers and Virginia Bar members are distinguished from unauthorized providers. Mere payment without negotiation has a narrow exclusion. | S005 § 3905 | **High.** Not a general licensing exemption. |\n| **S_VA-P1-C014** | Licensure requires substantive SCC findings, including fitness, conflicts, counselor certification, governance, coverage, and regulatory history; DMPs additionally require accreditation/trust arrangements. | S001 § 2031(A)–(C); S002 § 2005(A)–(B) | **High.** No applicant evaluated. |\n| **S_VA-P1-C015** | Surety requirements start at $25,000 within statutory ceilings of $350,000; fidelity minimums are $250,000 DMP and $50,000 settlement. | S001 § 2029; S002 § 2003; S003 -20; S004 -20 | **High.** Actual required surety amount can depend on statutory/regulatory factors. |\n| **S_VA-P1-C016** | Actual July 2026 application forms are posted; each statutory initial application fee is $500 and nonrefundable. | S001 § 2028; S002 § 2002; S010–S012 | **High.** Application is not issuance. |\n| **S_VA-P1-C017** | Licenses specify entity/names/locations, are not freely transferable, and remain effective until surrender, suspension, or revocation. | S001 § 2032; S002 § 2006 | **High.** Does not prove any license remains active. |\n\n### State consumer fees and timing\n\n| Claim ID | Precise assertion | Sources / pinpoints | Conditions, currentness, confidence |\n| --- | --- | --- | --- |\n| **S_VA-P1-C018** | Principal-method settlement compensation is capped at 20% of enrolled debt principal. | S001 § 2041(A)(i) | **High.** Timing and allocation separately apply. |\n| **S_VA-P1-C019** | Savings-method compensation is capped at 30% of settlement-date amount owed minus amount to be paid to satisfy the debt. | S001 § 2041(A)(ii) | **High.** Not 30% of creditor payments or necessarily enrollment savings. |\n| **S_VA-P1-C020** | The alternatives are not additive; principal-method fees on multiple debts are limited to the settled debt’s proportion of aggregate debt. | S001 § 2041(A)–(B) | **High.** Mixed-method optimization and ambiguous debt components not resolved. |\n| **S_VA-P1-C021** | Additional consumer settlement fees are prohibited; outside-originator enrollment/setup fees are included in the regulation’s total-fee test. | S001 § 2041(C); S003 -50(B) | **High.** Does not conclusively classify every independent bank/account charge. |\n| **S_VA-P1-C022** | DMP setup is capped at $75; maintenance is 15% of monthly creditor remittances, never above $60 monthly. | S002 § 2015; S004 -10 | **High.** Applies to fees/contributions; actual remittances supply the base. |\n| **S_VA-P1-C023** | Additional DMP amounts are prohibited except disclosed, advance-authorized reimbursement of one credit report/related information and actual bank automatic-debit charges. | S002 § 2016 | **High.** Actual costs only. |\n| **S_VA-P1-C024** | DMP cancellation requires undisbursed funds returned; all fees within five days, or fees excluding setup after five but before 31 days. | S002 § 2014(1)(v) | **High.** Reimbursement characterization and other remedies remain open. |\n| **S_VA-P1-C025** | State DMP ceilings do not themselves authorize every advance-billing practice; the maintenance base is actual disbursement. | S002 §§ 2000, 2015; S004 -10 | **Bounded.** Exact state-only pre-establishment/projected-billing interpretation not retrieved. |\n| **S_VA-P1-C026** | No additional settlement-success charge on the same DMP is established by obtaining or holding another license. | S002 §§ 2015–2016; S001 § 2027(C); S004 -40(I) | **High** against extra DMP amounts; separate hybrid allocation **held**. |\n| **S_VA-P1-C027** | A settlement licensee cannot request/receive compensation before the alteration and creditor-payment conditions in § 2040(3). | S001 § 2040(3)(a)–(b) | **High.** State wording concerns at least one debt; C047 preserves the later-debt issue. |\n| **S_VA-P1-C028** | Settlement providers cannot require an account or POA as a service condition; requested accounts must meet statutory safeguards and permit withdrawal without penalty less lawful earned fees. | S001 § 2040(5)–(6) | **High.** State subsection does not state the federal seven-day deadline. |\n\n### Federal timing and accounting context\n\n| Claim ID | Precise assertion | Sources / pinpoints | Conditions, currentness, confidence |\n| --- | --- | --- | --- |\n| **S_VA-P1-C029** | TSR debt-relief coverage depends on its unsecured-debt, telemarketing, jurisdiction, and exemption rules; ordinary inbound advertising exemptions do not generally shelter debt-relief calls. | S016 §§ 310.2(o), (ii), 310.6(b)(5)–(6); S017 coverage | **High**, conditional. Not an all-channel rule. |\n| **S_VA-P1-C030** | Covered individually resolved debts require the valid customer agreement, creditor payment, and compliant fee allocation before requesting/receiving the related fee. | S016 § 310.4(a)(5)(i); S017 “Collecting Fees”; S018 pp. 48489–90 | **High.** Federal rule, not attributed to Virginia alone. |\n| **S_VA-P1-C031** | Federal allocation uses enrollment debt amounts or a consistent savings percentage based on enrollment debt; it does not independently set a 30% cap. | S016 § 310.4(a)(5)(i)(C) | **High.** Virginia’s separate ceiling still applies where applicable. |\n| **S_VA-P1-C032** | A bona fide creditor-agreed installment settlement can trigger the appropriate fee after its first payment; artificial division of a required lump sum cannot. | S018 p. 48477 n.262; p. 48489 n.432; pp. 48489–90 | **High** as Commission explanation; later failure/refund question retained. |\n| **S_VA-P1-C033** | For covered DMPs, setup compensation waits for enrollment/first payment; subsequent servicing fees are not categorically barred. | S018 p. 48489 n.431; S016 § 310.4(a)(5) | **High**, subject to state amounts and actual services. |\n| **S_VA-P1-C034** | The federal qualifying-account rule requires return within seven business days, less compliant earned fees; Virginia’s no-required-account rule remains separate. | S016 § 310.4(a)(5)(ii)(E); S001 § 2040(6) | **High**, when TSR applies. |\n| **S_VA-P1-C035** | Attorney status is not a blanket TSR exemption; bona fide nonprofit jurisdiction differs from Virginia’s lack of a nonprofit licensing exception. | S017 coverage discussion; S018 pp. 48467–69 | **High** baseline; actual entity/telemarketer facts required. |\n\n### Currentness, operational evidence, and retained limits\n\n| Claim ID | Precise assertion | Sources / pinpoints | Conditions, currentness, confidence |\n| --- | --- | --- | --- |\n| **S_VA-P1-C036** | The retrieved operative consumer-fee provisions contain no CPI adjustment mechanism; verified figures remain $75/$60 and 20%/30%. | S001 § 2041; S002 §§ 2015–2016; S003–S004; S009 | **High** for retrieved text. No invented adjusted amount. |\n| **S_VA-P1-C037** | Chapter 785’s settlement framework took effect July 1, 2021; its reporting provisions are not a sunset. | S006 enactments 2–3 | **High.** Enacted effective clause read. |\n| **S_VA-P1-C038** | Final settlement rules effective December 15, 2021 control over proposed fidelity/outside-originator language. | S007 final order and -20(C), -50(B); S003 | **High.** S021 is discovery only. |\n| **S_VA-P1-C039** | Relevant DMP regulatory amendments became effective December 1, 2015; provider assessments are not consumer cap adjustments. | S008; S004 histories and -30 | **High.** Current codification corroborates. |\n| **S_VA-P1-C040** | Section 2001 now references Chapter 19.1; its money-transmitter exception applies only to compliant DMP pooling/distribution transmission. | S002 § 2001(C); S020 pp. 17–18, enactment 8 p. 25 | **High.** Effective July 1, 2026; no general transmission clearance. |\n| **S_VA-P1-C041** | SCC supplies current application and lookup routes, but no named-provider status was obtained; the 2025 report is dated evidence only. | S010–S015 | **High** as observed procedure/failure; actual authorization **unresolved**. |\n| **S_VA-P1-C042** | Provider annual assessments: DMP, $4.33 per prior-Dec.-31 plan, plus $500 at 250+ plans; initial Jan. 1–Mar. 25 license fee $250. Settlement, $1,000 + $3.44 per preceding-year agreement, or $0 if not licensed at prior Dec. 31. Both schedules round down to whole dollars, assess by June 1/pay by July 1. | S004 -30; S003 -40 | **High.** Provider costs, not consumer pass-through permission; separate examination expenses are excluded from these schedules. |\n| **S_VA-P1-C043** | Credit-improvement/credit-procurement services may trigger a distinct registration and fee-timing framework, with different exclusions. | S019 §§ 335.2, 335.3, 335.5 | **High** boundary; full operational/federal overlap **held**. |\n| **S_VA-P1-C044** | Capitalized components, future-interest savings, mixed methods, and re-enrollment resets were not resolved by retrieved controlling interpretation. | S001 §§ 2026, 2041; S016 § 310.4(a)(5) | **Held.** Do not substitute an assumed base or reset. |\n| **S_VA-P1-C045** | Independent account-charge treatment, creditor fair-share treatment, and DMP reimbursement-refund characterization remain unresolved. | S001 §§ 2040–2041; S002 §§ 2005(A)(9), 2014–2016; S003 -50(B) | **Held.** Disclosure of creditor support is not proof of a fee-cap exception. |\n| **S_VA-P1-C046** | Later failed/reversed installment settlements may raise earned-fee/refund questions not resolved in this pass. | S018 installment discussion; S001 § 2040(6)(e) | **Held.** Examples assume the stated settlement remains valid. |\n| **S_VA-P1-C047** | No controlling Virginia construction was retrieved resolving fees on a later settled-but-unpaid debt after the first state trigger is met. | S001 §§ 2040(3), 2041(B) | **Held.** Covered TSR transactions independently have C030’s rule. |\n| **S_VA-P1-C048** | Targeted official searches did not yield a controlling merits interpretation resolving the listed edges; an inaccessible disciplinary lead supplies no holding. | S022; research-search record described in E | **Bounded search result.** Not a claim that no relevant decision exists. |\n| **S_VA-P1-C049** | Actually exempt lawyers remain subject to reasonable-fee, explanation, trust/refund, and nonrefundable-advance restrictions; Rule 1.5(g) became effective July 15, 2025. | S023 Rules 1.5, 1.15, 1.16(d); S024; S025 §§ 1, 3–5 | **High.** Actual exemption and TSR coverage remain separate. |\n| **S_VA-P1-C050** | DMP licensees cannot buy consumer debt, lend/provide credit, take security, operate as collectors, or provide legal advice. | S002 § 2014(5)–(10) | **High.** A license is not authorization for these additional activities. |\n| **S_VA-P1-C051** | DMP establishment must be by a licensee-employed counselor; delegated fund control requires the specified agency/notice arrangement, with continuing licensee responsibility. | S004 -40(B), (C), (L) | **High.** Outsourcing is not a coverage escape. |\n| **S_VA-P1-C052** | Settlement providers cannot receive prohibited compensation for arranging/advising creditor services; the stated government-program counseling exception is narrow. | S001 § 2040(7); S003 -50(D) | **High.** Affiliate referrals do not create an additional fee route. |\n\n## D. Worked examples and component coverage\n\n### Worked examples\n\nAll amounts are **U.S. dollars**. These are hypothetical calculations, not findings that any named provider is licensed.\n\nUnless an example is expressly a classification hold, assume the appropriate actual authorization, compliant agreement, accurate debt figures, and applicable performance/payment conditions. Consumer-fee calculations below use exact cents where possible. **No statutory consumer-fee rounding convention was established**; the fractional-cent example rounds the fee down to avoid exceeding the ceiling.\n\n#### E1. Lower and higher DMP remittances\n\nInputs: One DMP; actual creditor remittances during the month are $200.00.\n\nBase: $200.00 actually sent to creditors.\n\nCalculation: 15% × $200.00 = $30.00. Compare $30.00 with $60.00.\n\nResult: Maximum monthly maintenance = $30.00.\n\nIf actual remittances instead equal $600.00: 15% × $600.00 = $90.00; the $60.00 ceiling reduces the maximum to $60.00.\n\nRounding: Exact cents. A setup fee is separately limited and subject to its own lawful timing.\n\n**Authority: C022, C025, C033.**\n\n#### E2. Weekly payments do not multiply the monthly cap\n\nInputs: Four creditor remittances of $100.00 within the same month.\n\nBase: $100.00 + $100.00 + $100.00 + $100.00 = $400.00.\n\nCalculation: 15% × $400.00 = $60.00.\n\nResult: Maximum maintenance for that month = $60.00, not four separate $60.00 charges.\n\nRounding: Exact cents.\n\n**Authority: C022.**\n\n#### E3. A $400 payment inclusive of maintenance\n\nInputs: Consumer pays $400.00 total; no setup charge or reimbursement is included. Let F be maintenance and D be creditor remittances.\n\nRelationship: D + F = $400.00.\n\nCeiling: F ≤ 15% × D.\n\nSubstitution: F ≤ 0.15 × ($400.00 − F).\n\nIntermediate: 1.15F ≤ $60.00; therefore F ≤ $52.173913…\n\nResult using cents without exceeding the ceiling: F = $52.17; D = $347.83.\n\nCheck: 15% × $347.83 = $52.1745, so $52.17 is within the ceiling.\n\nRounding: Down to cents for this example. If $400.00 were instead the amount actually sent to creditors, the permissible maintenance would be $60.00 and the combined payment $460.00.\n\n**Authority: C022; original arithmetic.**\n\n#### E4. Deposit without creditor disbursement\n\nInputs: $500.00 deposited for distribution; $0.00 actually sent to creditors in the relevant month.\n\nBase: $0.00.\n\nCalculation: 15% × $0.00 = $0.00.\n\nResult: The monthly maintenance formula produces $0.00.\n\nCondition: This is not permission to retain creditor-payment funds indefinitely. Section 6.2-2014(11)’s disbursement-practice requirement remains applicable.\n\n**Authority: C022, C025; S002 § 2014(11).**\n\n#### E5. Actual-cost reimbursements\n\nInputs: One credit report and related information actually costs $8.00; the bank actually charges $1.25 for an automatic debit used for debt repayment.\n\nCalculation: $8.00 + $1.25 = $9.25.\n\nResult: $9.25 can fit the statutory reimbursement categories if amounts were disclosed and the consumer gave advance permission.\n\nFailure case: Calling the bank charge a $12.00 “processing fee” does not establish permission for an additional $10.75 markup.\n\nRounding: Exact cents. Whether the $9.25 must be refunded under the short-period cancellation language remains held.\n\n**Authority: C023, C045.**\n\n#### E6. DMP cancellation at different times\n\nInputs: Setup fee $75.00; maintenance already paid $30.00; undisbursed creditor funds $200.00. Assume the maintenance arose from a separate $200.00 already remitted to creditors, and any applicable federal first-payment condition was satisfied.\n\nCancellation on day 4:\n\n- Fee refund = $75.00 + $30.00 = $105.00.\n- Total returned = $105.00 + $200.00 = $305.00.\n\nCancellation on day 10:\n\n- Fee refund = $30.00.\n- Total returned = $30.00 + $200.00 = $230.00.\n- The $75.00 setup fee may be retained under this particular cancellation formula if otherwise lawful.\n\nCancellation on day 31:\n\n- The $200.00 undisbursed funds remain returnable.\n- This subsection alone does not supply the same blanket refund of all previously earned fees; other grounds for recovery remain unexamined.\n\nRounding: Exact cents. No actual calendar deadline is calculated.\n\n**Authority: C024.**\n\n#### E7. Lower-debt settlement: the alternatives differ\n\nInputs: Enrolled principal $1,000.00; amount owed at settlement $1,000.00; creditor accepts and receives $800.00 in full satisfaction.\n\nPrincipal method: 20% × $1,000.00 = $200.00.\n\nSavings method:\n\n- Savings base = $1,000.00 − $800.00 = $200.00.\n- 30% × $200.00 = $60.00.\n\nResult: The chosen lawful method produces a maximum of $200.00 or $60.00. The statute does not authorize adding them to $260.00, and does not automatically require taking the smaller alternative. A contractual minimum cannot override the applicable ceiling.\n\nRounding: Exact cents; performance/payment conditions assumed satisfied.\n\n**Authority: C018–C021, C027, C030.**\n\n#### E8. Partial portfolio settlement, genuine installments, and previous fees\n\nInputs: Two enrolled debts. A = $8,000.00; B = $12,000.00. For this example, principal equals enrollment balance. Total agreed principal-method fee = 20% × $20,000.00 = $4,000.00.\n\nDebt A is settled through a genuine creditor agreement for eight installments of $400.00, totaling $3,200.00. The consumer pays the first installment.\n\nAllocation:\n\n- A’s proportion = $8,000.00 ÷ $20,000.00 = 0.40.\n- A’s allocated fee = 0.40 × $4,000.00 = $1,600.00.\n\nPrevious-fee credit: If $600.00 of that fee was already lawfully collected after the trigger, remaining collectible fee for A = $1,600.00 − $600.00 = $1,000.00.\n\nDebt B: No settlement/performance trigger has occurred; no $2,400.00 fee is assumed collectible.\n\nFailure case: If the creditor actually required a $3,200.00 lump sum, the provider cannot invent eight installments and treat a $400.00 partial payment as the federal trigger.\n\nRounding: Exact cents. Later failure of an authentic installment settlement is a separate held issue.\n\n**Authority: C020, C027, C030, C032, C046.**\n\n#### E9. Virginia and federal savings bases\n\nInputs: Enrollment debt $8,000.00; amount owed when settled $10,000.00; creditor receives $4,000.00 in full satisfaction. The contract specifies a fee of **30% of enrollment-based savings**, consistently applied.\n\nVirginia statutory ceiling:\n\n- $10,000.00 − $4,000.00 = $6,000.00.\n- 30% × $6,000.00 = $1,800.00.\n\nContract/federal enrollment-based calculation:\n\n- $8,000.00 − $4,000.00 = $4,000.00.\n- 30% × $4,000.00 = $1,200.00.\n\nResult: Under the assumed contract, the fee is $1,200.00, within Virginia’s $1,800.00 ceiling. The provider cannot substitute $1,800.00 for the agreed calculation.\n\nImportant boundary: This does **not** mean the TSR universally caps fees at 30% of enrollment savings. The 30% contractual rate is an explicit example assumption.\n\nRounding: Exact cents.\n\n**Authority: C019, C031.**\n\n#### E10. Settlement withdrawal without deducting an earlier fee twice\n\nInputs: Current account balance $2,500.00. A completed settlement generated a lawful total earned fee of $1,600.00. The provider previously received $600.00, which is already outside the current account balance. No other fee is earned.\n\nUnpaid earned fee: $1,600.00 − $600.00 = $1,000.00.\n\nReturnable balance: $2,500.00 − $1,000.00 = $1,500.00.\n\nResult: Return $1,500.00. Do not subtract the earlier $600.00 again, charge for unsettled debts, or add a withdrawal penalty.\n\nTiming: If the federal account provision applies, return within seven business days of the request.\n\nRounding: Exact cents; the settlement is assumed completed and valid.\n\n**Authority: C020–C021, C028, C034.**\n\n#### E11. Actual-lawyer advance: conditional refund arithmetic\n\nInputs: A person actually qualifying for the Virginia lawyer exclusion; a reasonable, properly explained hourly arrangement of $200.00; $1,000.00 advance held appropriately; three hours of authorized work actually and reasonably performed. Assume independently established facts make the TSR advance-fee prohibition inapplicable.\n\nEarned amount: 3 hours × $200.00/hour = $600.00.\n\nUnearned balance on termination: $1,000.00 − $600.00 = $400.00.\n\nResult: $400.00 remains refundable. Calling the advance “nonrefundable” does not change that result.\n\nLimits: The arithmetic does not establish reasonableness, entity exemption, or TSR noncoverage. If those facts are missing, the proposed collection remains held.\n\n**Authority: C008, C035, C049.**\n\n#### E12. Provider assessments are separate from consumer charges\n\nDMP inputs: 251 plans held at the preceding December 31.\n\nCalculation: $500.00 + (251 × $4.33) = $500.00 + $1,086.83 = $1,586.83.\n\nRequired rounding: Down to whole dollars.\n\nDMP assessment result: $1,586.00.\n\nSettlement inputs: 251 agreements maintained during the preceding calendar year; provider was licensed at the preceding December 31.\n\nCalculation: $1,000.00 + (251 × $3.44) = $1,000.00 + $863.44 = $1,863.44.\n\nRequired rounding: Down to whole dollars.\n\nSettlement assessment result: $1,863.00.\n\nCondition: Different count periods apply. These provider obligations do not authorize adding the amounts to consumer bills. The new-license exceptions in C042 must be checked separately.\n\n**Authority: C042.**\n\n#### E13. Classification and permission holds\n\nInputs: A company negotiates lower monthly payments but no principal reduction and says it is “financial coaching.”\n\nResult: The concession negotiation can fall within Chapter 20.1. The label supplies no exemption. No fee is approved without authorization, a lawful fee basis, and timing facts.\n\nInputs: A provider never physically receives funds but directs a third-party agent’s creditor distributions.\n\nResult: Investigate the actual control arrangement under the DMP definition and delegated-services regulation. “Noncustodial” is insufficient.\n\nInputs: A nonprofit commercial-debt pooler or an attorney-affiliated company seeks a fee.\n\nResult: No license-free numerical fee scenario is supplied. Commercial pooling, nonprofit status, and attorney-entity qualification require the missing legal/factual analysis identified below.\n\n**Authority: C002–C005, C008–C009, C013, C051.**\n\n### Full component coverage and gap table\n\n| Component question | Status | Claims | Exact remaining evidence / next investigation |\n| --- | --- | --- | --- |\n| Settlement versus concessions versus pooling | **Answered** | C002–C003, C012 | For a real model, obtain service promises, agreements, and actual account/control arrangements. |\n| Virginia residence, consumer purpose, remote provider nexus | **Answered** | C001, C007 | Mixed-purpose and changing-residence facts require application analysis. |\n| Business-purpose debt pooling | **Partial** | C005, C013 | Retrieve authoritative construction of § 54.1-3905 for commercial pooling and any separate applicable authorization. |\n| Ordinary SCC licensing and issuing authority | **Answered** | C007, C014–C017 | Actual issuance must still be verified for a specific legal entity. |\n| Nonprofit and institutional exclusions | **Answered as statutory categories** | C008–C010 | Prove the actual institution/entity qualification; separately investigate exempt-institution fee law. |\n| Attorney exclusion and fee baseline | **Partial** | C008, C035, C049 | Obtain controlling authority on attorney-affiliated nonlaw-firm entities and actual entity/admission/representation facts. |\n| Collection-agency/creditor and prohibited DMP models | **Answered** | C010–C011, C050 | A proposed own-creditor or affiliate structure needs fact-specific classification; no separate fee exemption established. |\n| Current core consumer fee limits and bases | **Answered** | C018–C023, C036 | No CPI amount is pending; the operative caps were verified. |\n| Principal components, future-interest savings, mixed methods, resets | **Unresolved** | C044 | Retrieve formal SCC or controlling judicial treatment; obtain the relevant debt ledger and contract formula. |\n| Additional charges, donations/contributions, DMP settlement surcharge | **Answered in core; partial at edges** | C021–C023, C026, C045 | Obtain authority on independent account fees, creditor fair-share, and genuinely separate hybrid services. |\n| State settlement initial timing | **Answered** | C027 | Confirm actual alteration and creditor payment for a particular transaction. |\n| Later settled but unpaid debt under state law alone | **Unresolved** | C047 | Retrieve a controlling construction of §§ 2040(3)/2041(B); do not assume the federal rule supplies state wording. |\n| Federal timing, allocations, genuine installments | **Answered as conditional common context** | C029–C035 | Establish actual TSR coverage and creditor agreement; investigate later failed-settlement refund treatment separately. |\n| State-only DMP earliest billing/projected maintenance | **Partial** | C025 | Retrieve formal interpretation of pre-establishment requests and reconciliation of projected versus actual disbursements. |\n| DMP cancellation refunds | **Answered in core; partial at edges** | C024, C045 | Determine whether actual-cost reimbursements fall within refundable “fees”; calculate real deadlines only with applicable counting law/facts. |\n| Settlement account withdrawal and prior-fee credits | **Answered for stated conditions** | C028, C034 | Actual account ledger, completed-service status, and dispute facts remain necessary. |\n| Current forms and public application procedure | **Answered** | C016–C017 | No filing or contact required for this pass; application does not establish permission. |\n| Public lookup and named-provider status | **Procedure answered; status unresolved** | C041 | Retry S014 publicly; record matching legal name, license category/number, active status, and approved locations. |\n| Effective dates and dated-source reconciliation | **Answered for cited authorities** | C036–C040 | Continue change checking in later passes; no blanket certification against every possible uncodified enactment or court order. |\n| Relevant controlling case interpretation | **Partial** | C048 | Expand official case/order retrieval on the identified edges; obtain S022 before using it and check subsequent history. |\n| Credit-repair/credit-procurement add-ons | **Partial boundary finding** | C043 | Complete VDACS registration/procedure, exceptions, prohibited-credit categories, contract/fee rules, and federal CROA/TSR overlap. |\n| Full agreement, funds, bond, and remedies coverage | **Excluded except access/fee necessities** | C015, C024, C028, C049, C051 | Later pass must cover complete disclosures/contracts, custody/accounting, bond enforcement, complaints, sanctions, refunds, and private remedies. |\n| Collection, litigation, limitations, debtor exemptions, secured debt, sector rules, local/tribal law, general contracts, and full case law | **Open; outside this focused pass** | — | Conduct the separately required Virginia investigations. No completion or acceptance is implied. |\n\n## E. Researcher self-check\n\n- **Actual reads:** operative Virginia statute passages; both relevant regulatory chapters; the 2021 and 2015 final regulatory orders; the settlement enactment and 2026-effective cross-reference amendment; actual July 2026 SCC application PDFs; current federal fee/timing provisions; relevant FTC final-rule explanation; current attorney fee rules and the actual 2025 adoption order.\n- **Discovery was kept separate:** S021 was not substituted for the final regulation. The inaccessible S022 lead supplies no holding. Search snippets, company charts, associations, and marketing statements were not used to establish permission or caps.\n- **Case-search limitation:** targeted searches of official Virginia court, SCC, VSB, and Attorney General sources did not produce controlling merits interpretations resolving the retained edge questions. That is not a statement that such authority does not exist. Cases mentioned inside LEO 1606 were not treated as separately read merits decisions.\n- **Accounting checks:** principal and savings methods were not stacked; state settlement-date savings were distinguished from federal enrollment-based accounting; DMP deposits were distinguished from actual creditor remittances; prior fees were credited; consumer rounding was not invented as statutory law.\n- **Currentness checks:** approval, publication, legal effective date, current posted procedure, historical report, proposal, and inaccessible evidence were kept distinct. The eCFR’s displayed currency limit is disclosed.\n- **Execution:** research remained in this conversation using public web retrieval. No Deep Research, additional Chat sessions, application filing, contacts, account changes, private borrower data, or publication was used. No model-selector label was verified or changed.\n- **Disposition:** substantive findings are complete for the evidence obtained in this component, with the enumerated holds preserved. The rest of the Virginia dossier remains required.\n\nEND S_VA PASS-01\n\n","tables":[{"headers":["Actual activity or arrangement","Virginia classification and consequence","Claims"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Actual activity or arrangement","Virginia classification and consequence","Claims"],["Negotiating principal forgiveness without receiving or controlling creditor-payment funds","Debt settlement services under Chapter 20.1; ordinarily requires an SCC license.","C002, C007"],["Negotiating lower payments, charges, or fees while principal remains unchanged","Also within the settlement definition. Principal forgiveness is not necessary.","C002"],["Receiving money or control of funds for distribution to creditors","Debt pooling and distribution; a program agreeing to provide that service is a DMP under Chapter 20.","C003"],["A DMP that combines concessions with creditor distributions","Chapter 20 licensing applies. A Chapter 20 licensee needs no separate settlement license when settlement services are offered or provided solely in connection with DMPs.","C012"],["A settlement company that receives creditor-payment money or also offers a DMP","A settlement license alone is insufficient; Chapter 20 authorization is additionally required.","C012"],["Budget education without offering or undertaking creditor negotiation and without receiving or controlling distribution funds","Those facts alone do not satisfy the two core service definitions. This is a bounded classification inference, not clearance under every other law.","C004"],["Commercial-purpose debt","Outside these chapters’ specified consumer definition; that does not establish that compensated commercial debt pooling is unrestricted. Section 54.1-3905 is framed in terms of a “debtor,” not the narrower consumer definition.","C005, C013"],["A consumer-owned account administered by an independent company","Contemplated by § 6.2-2040(6), subject to its conditions. The label “dedicated account” does not resolve whether the provider actually controls funds or is providing a DMP.","C003, C028"]]},{"headers":["Structure","Verified base and ceiling","Restrictions and unresolved edges"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Structure","Verified base and ceiling","Restrictions and unresolved edges"],["Settlement: principal method","Total fee no greater than 20% of principal enrolled.","Not automatically 20% of the entire statement balance. Multiple-debt allocation applies."],["Settlement: savings method","Total fee no greater than 30% × [amount owed at settlement − amount to be paid to satisfy the debt].","The state reference date is settlement, not enrollment. Future-interest valuation and unusual payoff arrangements need further interpretation."],["Choice between settlement methods","The statute says either method.","It does not prescribe the lesser result, authorize adding both, or establish a right to optimize by switching methods debt by debt."],["Other settlement charges","No additional consumer fee or compensation for settlement services beyond § 6.2-2041.","No separate setup, monthly, enrollment, cancellation, or administrative-fee pathway was established. Outside-originator enrollment/setup charges fall within the regulation’s aggregate limit."],["DMP establishment","Setup fee no greater than $75.","For establishing the plan; not blanket permission to collect before performance or an applicable federal trigger."],["DMP maintenance","15% of actual monthly funds sent to creditors, with an absolute $60 monthly maximum.","The base is not merely money deposited with the provider. Do not multiply the monthly cap by payment frequency or creditor count within one DMP."],["DMP additional reimbursements","Actual cost of one credit report and related information, and actual bank charges for automatic account debiting for debt repayment.","Consumer’s advance permission after disclosure is required; no markup or general administrative-charge allowance."],["Contributions and hybrid charges","DMP limits cover fees and contributions; § 6.2-2016 prohibits other direct or indirect amounts with respect to a DMP except its stated reimbursements.","No additional settlement/savings surcharge on the same DMP was established. Separate-business/hybrid allocation is held."]]},{"headers":["Evidence","Correct treatment"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Evidence","Correct treatment"],["2020 Acts, Chapter 785","Created the settlement licensing framework, effective July 1, 2021. The approval date was not its effective date. Its specified annual reports were not a licensing sunset."],["2021 settlement regulation proposal versus final order","The final SCC order, effective December 15, 2021, controls. It adopted $50,000 fidelity coverage, not the proposed $250,000, and adopted a conditional outside-originator provision rather than the proposed blanket restriction."],["2015 DMP regulatory order","The operative amendments became effective December 1, 2015. Provider assessment provisions do not constitute CPI adjustments to consumer fees."],["SCC report dated December 1, 2025","Dated corroboration of the settlement fee framework; not proof of October 2026 status for any provider."],["2025 Acts, Chapter 214","Its relevant amendment became effective July 1, 2026, updating § 6.2-2001’s money-transmitter cross-reference to Chapter 19.1. It did not change the consumer caps discussed here."],["Current Code and Administrative Code","Used for the operative rules, with enactments/orders used to verify material effective dates. A webpage’s displayed date is not a legislative effective date."]]},{"headers":["Route","Actual material read","What it establishes"],"index":3,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Route","Actual material read","What it establishes"],["Debt settlement","CCB-11001, revision 7/2026, six pages","Current posted application and instructions, including application fee, bond, ownership/financial information, counselor qualifications, and supporting documents."],["DMP/credit counseling","CCB-7700, revision 07/2026, six pages","Current posted application and instructions, including trust-account, accreditation, counselor, financial, and disclosure materials."],["General filing procedure","SCC Application Forms page","Posted mailed/emailed application process and electronic-invoice fee procedure."],["Current status verification","SCC “Regulated Financial Institutions—Verify a License”","Directs both DMP agencies and settlement providers to SCC Company Search."],["Actual Company Search","https://www.scc.virginia.gov/licenseesearch","Returned loading/rejoin/session failures; no provider record was retrieved."]]},{"headers":["Source ID","Title / issuer and direct literal URL","Exact pinpoints read and legal status","Access / limitations"],"index":4,"links":[{"href":"https://law.lis.virginia.gov/vacodefull/title6.2/chapter20.1/?utm_source=chatgpt.com","text":"https://law.lis.virginia.gov/vacodefull/title6.2/chapter20.1/"},{"href":"https://law.lis.virginia.gov/vacodefull/title6.2/chapter20/?utm_source=chatgpt.com","text":"https://law.lis.virginia.gov/vacodefull/title6.2/chapter20/"},{"href":"https://law.lis.virginia.gov/admincodefull/title10/agency5/chapter230/?utm_source=chatgpt.com","text":"https://law.lis.virginia.gov/admincodefull/title10/agency5/chapter230/"},{"href":"https://law.lis.virginia.gov/admincodefull/title10/agency5/chapter110/?utm_source=chatgpt.com","text":"https://law.lis.virginia.gov/admincodefull/title10/agency5/chapter110/"},{"href":"https://law.lis.virginia.gov/vacode/title54.1/chapter39/section54.1-3905/?utm_source=chatgpt.com","text":"https://law.lis.virginia.gov/vacode/title54.1/chapter39/section54.1-3905/"},{"href":"https://law.lis.virginia.gov/vacode/title54.1/chapter39/section54.1-3904/?utm_source=chatgpt.com","text":"https://law.lis.virginia.gov/vacode/title54.1/chapter39/section54.1-3904/"},{"href":"https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+ful+CHAP0785+pdf&utm_source=chatgpt.com","text":"https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+ful+CHAP0785+pdf="},{"href":"https://register.dls.virginia.gov/details.aspx?id=9959&utm_source=chatgpt.com","text":"https://register.dls.virginia.gov/details.aspx?id=9959"},{"href":"https://register.dls.virginia.gov/details.aspx?id=5231&utm_source=chatgpt.com","text":"https://register.dls.virginia.gov/details.aspx?id=5231"},{"href":"https://law.lis.virginia.gov/vacodeupdates/title6.2/?utm_source=chatgpt.com","text":"https://law.lis.virginia.gov/vacodeupdates/title6.2/"},{"href":"https://law.lis.virginia.gov/vacodefull/title59.1/chapter25.1/?utm_source=chatgpt.com","text":"https://law.lis.virginia.gov/vacodefull/title59.1/chapter25.1/"},{"href":"https://lis.blob.core.windows.net/files/1072214.PDF?utm_source=chatgpt.com","text":"https://lis.blob.core.windows.net/files/1072214.PDF"},{"href":"https://register.dls.virginia.gov/details.aspx?id=9772&utm_source=chatgpt.com","text":"https://register.dls.virginia.gov/details.aspx?id=9772"}],"row_links":[[],[{"href":"https://law.lis.virginia.gov/vacodefull/title6.2/chapter20.1/?utm_source=chatgpt.com","text":"https://law.lis.virginia.gov/vacodefull/title6.2/chapter20.1/"}],[{"href":"https://law.lis.virginia.gov/vacodefull/title6.2/chapter20/?utm_source=chatgpt.com","text":"https://law.lis.virginia.gov/vacodefull/title6.2/chapter20/"}],[{"href":"https://law.lis.virginia.gov/admincodefull/title10/agency5/chapter230/?utm_source=chatgpt.com","text":"https://law.lis.virginia.gov/admincodefull/title10/agency5/chapter230/"}],[{"href":"https://law.lis.virginia.gov/admincodefull/title10/agency5/chapter110/?utm_source=chatgpt.com","text":"https://law.lis.virginia.gov/admincodefull/title10/agency5/chapter110/"}],[{"href":"https://law.lis.virginia.gov/vacode/title54.1/chapter39/section54.1-3905/?utm_source=chatgpt.com","text":"https://law.lis.virginia.gov/vacode/title54.1/chapter39/section54.1-3905/"},{"href":"https://law.lis.virginia.gov/vacode/title54.1/chapter39/section54.1-3904/?utm_source=chatgpt.com","text":"https://law.lis.virginia.gov/vacode/title54.1/chapter39/section54.1-3904/"}],[{"href":"https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+ful+CHAP0785+pdf&utm_source=chatgpt.com","text":"https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+ful+CHAP0785+pdf="}],[{"href":"https://register.dls.virginia.gov/details.aspx?id=9959&utm_source=chatgpt.com","text":"https://register.dls.virginia.gov/details.aspx?id=9959"}],[{"href":"https://register.dls.virginia.gov/details.aspx?id=5231&utm_source=chatgpt.com","text":"https://register.dls.virginia.gov/details.aspx?id=5231"}],[{"href":"https://law.lis.virginia.gov/vacodeupdates/title6.2/?utm_source=chatgpt.com","text":"https://law.lis.virginia.gov/vacodeupdates/title6.2/"}],[{"href":"https://law.lis.virginia.gov/vacodefull/title59.1/chapter25.1/?utm_source=chatgpt.com","text":"https://law.lis.virginia.gov/vacodefull/title59.1/chapter25.1/"}],[{"href":"https://lis.blob.core.windows.net/files/1072214.PDF?utm_source=chatgpt.com","text":"https://lis.blob.core.windows.net/files/1072214.PDF"}],[{"href":"https://register.dls.virginia.gov/details.aspx?id=9772&utm_source=chatgpt.com","text":"https://register.dls.virginia.gov/details.aspx?id=9772"}]],"rows":[["Source ID","Title / issuer and direct literal URL","Exact pinpoints read and legal status","Access / limitations"],["S_VA-P1-S001","Code of Virginia, Title 6.2, Chapter 20.1—Debt Settlement Services Providers, Virginia General Assembly. https://law.lis.virginia.gov/vacodefull/title6.2/chapter20.1/","§§ 2026–2029, 2031–2032, 2040(1)–(7), 2041(A)–(C), with associated chapter provisions. Current codified text; operative origin/effective date checked against S006.","R23. Primary Virginia law. Does not prove any entity’s license."],["S_VA-P1-S002","Code of Virginia, Title 6.2, Chapter 20—Agencies Providing Debt Management Plans. https://law.lis.virginia.gov/vacodefull/title6.2/chapter20/","§§ 2000–2006, 2014(1), (5)–(16), 2015–2016; relevant licensing/assessment provisions. Current codification. § 2001’s 2026-effective amendment checked against S020.","R23. Fee sections retain their published 2004/2010 history; webpage date is not an effective date."],["S_VA-P1-S003","10VAC5-230—Debt Settlement Services Providers, SCC / Virginia Administrative Code. https://law.lis.virginia.gov/admincodefull/title10/agency5/chapter230/","Full operative chapter; especially -20, -40, -50(A)–(J), -60, -80. Effective December 15, 2021 in published histories.","R23. Final regulation, corroborated by S007; regulatory waiver language is not an assumed statutory waiver."],["S_VA-P1-S004","10VAC5-110—Credit Counseling, SCC / Virginia Administrative Code. https://law.lis.virginia.gov/admincodefull/title10/agency5/chapter110/","Full operative chapter; especially -10 “total amount disbursed,” -20, -30, -40(B), (C), (I), (L), (M), -70. Relevant latest amendments effective December 1, 2015.","R23. Chapter 110 is the relevant DMP regulation."],["S_VA-P1-S005","Code of Virginia, Title 54.1, Chapter 39—Attorneys. https://law.lis.virginia.gov/vacode/title54.1/chapter39/section54.1-3905/ ; https://law.lis.virginia.gov/vacode/title54.1/chapter39/section54.1-3904/","§ 3905 complete operative paragraphs; § 3904 general unauthorized-practice provision. Current codification.","R23. Commercial-pooling and entity-specific applications remain limited by missing interpretation."],["S_VA-P1-S006","2020 Acts of Assembly, Chapter 785, HB 1553. https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+ful+CHAP0785+pdf=","Enacted Chapter 20.1; enactments 2–3. Approved April 7, 2020; effective July 1, 2021.","R23. Successful alternate official route; original route failure recorded below."],["S_VA-P1-S007","Final SCC order and regulation, Case BFI-2021-00010, Virginia Register, Vol. 38, Issue 8. https://register.dls.virginia.gov/details.aspx?id=9959","Order November 18, 2021; final attached 10VAC5-230, particularly -20(C), -50(B). Effective December 15, 2021.","R23. Final adoption, not proposed wording."],["S_VA-P1-S008","Final SCC order and DMP amendments, Case BFI-2015-00039, Virginia Register, Vol. 32, Issue 5. https://register.dls.virginia.gov/details.aspx?id=5231","Order and operative attached 10VAC5-110 amendments. Published November 2, 2015; effective December 1, 2015.","R23. Historical adoption supporting current regulatory text."],["S_VA-P1-S009","2026 Code Updates—Title 6.2, Virginia General Assembly. https://law.lis.virginia.gov/vacodeupdates/title6.2/","Chapter 20 entry for § 2001; checked for relevant chapter updates.","R23. Update index corroboration; not a substitute for an enactment or exhaustive litigation/currentness certification."],["S_VA-P1-S019","Virginia Credit Services Businesses Act, Title 59.1, Chapter 25.1. https://law.lis.virginia.gov/vacodefull/title59.1/chapter25.1/","§§ 335.2 definitions/exclusions, 335.3 registration, 335.5 prohibited practices. Current codification.","R23. Boundary analysis only; full credit-services/CROA investigation remains open."],["S_VA-P1-S020","2025 Acts of Assembly, Chapter 214, HB 1942, official LIS PDF. https://lis.blob.core.windows.net/files/1072214.PDF","PDF pp. 17–18, amendment to § 6.2-2001; p. 25, enactment 8. Approved March 21, 2025; relevant effective date July 1, 2026.","R23. Enacted text recovered from official static PDF; no longer future-effective at this check."],["S_VA-P1-S021","2021 proposed 10VAC5-230, Virginia Register. https://register.dls.virginia.gov/details.aspx?id=9772","Proposal identified as a historical lead.","D23. Not separately relied on as operative text; final changes were read in S007."]]},{"headers":["Source ID","Title / issuer and direct literal URL","Exact pinpoint / status","Access / limitations"],"index":5,"links":[{"href":"https://www.scc.virginia.gov/regulated-industries/bureau-of-financial-institutions/application-forms/?utm_source=chatgpt.com","text":"https://www.scc.virginia.gov/regulated-industries/bureau-of-financial-institutions/application-forms/"},{"href":"https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/application-forms/ccb11001.pdf?utm_source=chatgpt.com","text":"https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/application-forms/ccb11001.pdf"},{"href":"https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/application-forms/ccb7700.pdf?utm_source=chatgpt.com","text":"https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/application-forms/ccb7700.pdf"},{"href":"https://www.scc.virginia.gov/consumers/banks-consumer-lenders/regulated-financial-institutions/?utm_source=chatgpt.com","text":"https://www.scc.virginia.gov/consumers/banks-consumer-lenders/regulated-financial-institutions/"},{"href":"https://www.scc.virginia.gov/licenseesearch?utm_source=chatgpt.com","text":"https://www.scc.virginia.gov/licenseesearch"},{"href":"https://rga.lis.virginia.gov/Published/2025/RD913/PDF?utm_source=chatgpt.com","text":"https://rga.lis.virginia.gov/Published/2025/RD913/PDF"}],"row_links":[[],[{"href":"https://www.scc.virginia.gov/regulated-industries/bureau-of-financial-institutions/application-forms/?utm_source=chatgpt.com","text":"https://www.scc.virginia.gov/regulated-industries/bureau-of-financial-institutions/application-forms/"}],[{"href":"https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/application-forms/ccb11001.pdf?utm_source=chatgpt.com","text":"https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/application-forms/ccb11001.pdf"}],[{"href":"https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/application-forms/ccb7700.pdf?utm_source=chatgpt.com","text":"https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/application-forms/ccb7700.pdf"}],[{"href":"https://www.scc.virginia.gov/consumers/banks-consumer-lenders/regulated-financial-institutions/?utm_source=chatgpt.com","text":"https://www.scc.virginia.gov/consumers/banks-consumer-lenders/regulated-financial-institutions/"}],[{"href":"https://www.scc.virginia.gov/licenseesearch?utm_source=chatgpt.com","text":"https://www.scc.virginia.gov/licenseesearch"}],[{"href":"https://rga.lis.virginia.gov/Published/2025/RD913/PDF?utm_source=chatgpt.com","text":"https://rga.lis.virginia.gov/Published/2025/RD913/PDF"}]],"rows":[["Source ID","Title / issuer and direct literal URL","Exact pinpoint / status","Access / limitations"],["S_VA-P1-S010","Application Forms, SCC Bureau of Financial Institutions. https://www.scc.virginia.gov/regulated-industries/bureau-of-financial-institutions/application-forms/","General submission/payment instructions; Credit Counseling and Debt Settlement Services Providers sections.","R23. Current posted procedure, not statutory permission or issuance."],["S_VA-P1-S011","Application for a License to Engage in the Business of Providing Debt Settlement Services, SCC, CCB-11001. https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/application-forms/ccb11001.pdf","Six-page form, Rev. 7/2026; especially pp. 1–2 instructions and required supporting materials.","R23. Actual application read; no application submitted."],["S_VA-P1-S012","Application for a License to Engage in Business as an Agency Providing Debt Management Plans, SCC, CCB-7700. https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/application-forms/ccb7700.pdf","Six-page form, Rev. 07/2026; especially pp. 1–2 instructions.","R23. “Chapter 10” instruction reference does not override Chapter 20 law."],["S_VA-P1-S013","Regulated Financial Institutions—Verify a License, SCC. https://www.scc.virginia.gov/consumers/banks-consumer-lenders/regulated-financial-institutions/","Company Search description and explicit inclusion of DMP agencies and settlement providers.","R23. Establishes the public verification route."],["S_VA-P1-S014","Company Search, SCC. https://www.scc.virginia.gov/licenseesearch","Only loading, failed rejoin, paused-session, and failed-resume content returned.","F23. No individual record or current status obtained."],["S_VA-P1-S015","Debt Settlement Services Providers report, SCC, December 1, 2025, RD913. https://rga.lis.virginia.gov/Published/2025/RD913/PDF","Printed pp. 1–2, PDF pp. 5–6: dated licensing information and fee framework.","R23. Historical reporting; not an October 2026 license roster."]]},{"headers":["Source ID","Title / issuer and direct literal URL","Exact pinpoint / legal status","Access / limitations"],"index":6,"links":[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6"},{"href":"https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business?utm_source=chatgpt.com","text":"https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business"},{"href":"https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf"},{"href":"https://vsbwebstorage.blob.core.windows.net/%24web/actions/Perry-082626.pdf","text":"https://vsbwebstorage.blob.core.windows.net/%24web/actions/Perry-082626.pdf"},{"href":"https://vsb.org/Site/Site/about/rules-regulations/rpc-part6-sec2.aspx?utm_source=chatgpt.com","text":"https://vsb.org/Site/Site/about/rules-regulations/rpc-part6-sec2.aspx"},{"href":"https://www.vacourts.gov/static/courts/scv/amendments/part%20six_sect_ii_rule_1_5.pdf?utm_source=chatgpt.com","text":"https://www.vacourts.gov/static/courts/scv/amendments/part%20six_sect_ii_rule_1_5.pdf"},{"href":"https://vsb.org/common/Uploaded%20files/LEOs/1606.pdf?utm_source=chatgpt.com","text":"https://vsb.org/common/Uploaded%20files/LEOs/1606.pdf"}],"row_links":[[],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6"}],[{"href":"https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business?utm_source=chatgpt.com","text":"https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf"}],[{"href":"https://vsbwebstorage.blob.core.windows.net/%24web/actions/Perry-082626.pdf","text":"https://vsbwebstorage.blob.core.windows.net/%24web/actions/Perry-082626.pdf"}],[{"href":"https://vsb.org/Site/Site/about/rules-regulations/rpc-part6-sec2.aspx?utm_source=chatgpt.com","text":"https://vsb.org/Site/Site/about/rules-regulations/rpc-part6-sec2.aspx"}],[{"href":"https://www.vacourts.gov/static/courts/scv/amendments/part%20six_sect_ii_rule_1_5.pdf?utm_source=chatgpt.com","text":"https://www.vacourts.gov/static/courts/scv/amendments/part%20six_sect_ii_rule_1_5.pdf"}],[{"href":"https://vsb.org/common/Uploaded%20files/LEOs/1606.pdf?utm_source=chatgpt.com","text":"https://vsb.org/common/Uploaded%20files/LEOs/1606.pdf"}]],"rows":[["Source ID","Title / issuer and direct literal URL","Exact pinpoint / legal status","Access / limitations"],["S_VA-P1-S016","16 CFR Part 310—Telemarketing Sales Rule, eCFR/OFR. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","§§ 310.2(o), (ii); 310.4(a)(5)(i)(A)–(C), (ii)(A)–(E); 310.6 relevant exemptions. Displayed current through October 21, 2026.","R23. Federal common context. eCFR describes itself as authoritative but unofficial; coverage remains fact-dependent."],["S_VA-P1-S017","Debt Relief Services & the Telemarketing Sales Rule: A Guide for Business, FTC. https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business","Coverage, collecting fees, individual debts, dedicated accounts, attorney/nonprofit discussion.","R23. Official staff guidance, expressly not a substitute for the rule."],["S_VA-P1-S018","Telemarketing Sales Rule final rule, FTC, 75 FR 48458–48523, August 10, 2010. https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf","Printed pp. 48467–69; p. 48477 n.262; pp. 48489–90, III.C.5 and nn.431–432. Advance-fee provisions effective October 27, 2010.","R23. Historical final adoption and Commission explanation; current rule checked separately in S016."],["S_VA-P1-S022","Virginia State Bar disciplinary PDF lead, filename Perry-082626.pdf. https://vsbwebstorage.blob.core.windows.net/%24web/actions/Perry-082626.pdf","No substantive passage obtained.","F23. Tool reported inaccessible. Contents, holding, and relevance remain unverified; no legal conclusion drawn from the lead."],["S_VA-P1-S023","Rules of the Supreme Court of Virginia, Part Six, Section II—Rules of Professional Conduct, official VSB publication. https://vsb.org/Site/Site/about/rules-regulations/rpc-part6-sec2.aspx","Rule 1.5(a)–(c), (g), comments [4], [10]–[11]; Rule 1.15(a), (b), comment [2a]; Rule 1.16(d). Current posted rules.","R23. Selected operative fee/custody/refund passages, not a full professional-responsibility review."],["S_VA-P1-S024","Supreme Court of Virginia order amending Rule 1.5, May 16, 2025. https://www.vacourts.gov/static/courts/scv/amendments/part%20six_sect_ii_rule_1_5.pdf","All three pages; p. 2, Rule 1.5(g); pp. 2–3 comments; p. 3 effective clause: July 15, 2025.","R23. Adopted court rule, not a proposal or a merits construction of the debt-service statutes."],["S_VA-P1-S025","Legal Ethics Opinion 1606—Fees (Compendium Opinion), VSB. https://vsb.org/common/Uploaded%20files/LEOs/1606.pdf","p. 2 § 1; pp. 4–5 §§ 3–5. Committee opinion November 22, 1994; Supreme Court approved November 2, 2016.","R23. Uses predecessor disciplinary-rule numbering; current relevance corroborated by current Rule 1.5 comment [10]."]]},{"headers":["Route attempted","Actual outcome","Treatment / exact next action"],"index":7,"links":[{"href":"https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+ful+CHAP0785&utm_source=chatgpt.com","text":"https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+ful+CHAP0785"},{"href":"https://lis.virginia.gov/bill-details/20251/HB1942/text/CHAP0214","text":"https://lis.virginia.gov/bill-details/20251/HB1942/text/CHAP0214"}],"row_links":[[],[{"href":"https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+ful+CHAP0785&utm_source=chatgpt.com","text":"https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+ful+CHAP0785"}],[{"href":"https://lis.virginia.gov/bill-details/20251/HB1942/text/CHAP0214","text":"https://lis.virginia.gov/bill-details/20251/HB1942/text/CHAP0214"}],[],[]],"rows":[["Route attempted","Actual outcome","Treatment / exact next action"],["https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+ful+CHAP0785","Document unavailable through that route.","Recovered through S006’s official +pdf= route; no substantive enactment gap remains."],["https://lis.virginia.gov/bill-details/20251/HB1942/text/CHAP0214","Application shell rather than usable enacted text.","Recovered through S020’s official static PDF."],["S014, SCC Company Search","Session/loading failure; no record.","Unresolved. Retry the public webpage and match legal entity, category, license number, status, and locations when accessible."],["S022, Perry PDF","Inaccessible through the public retrieval tool.","Unresolved. Obtain an accessible official copy and subsequent history before using any finding."]]},{"headers":["Claim ID","Precise assertion","Sources / pinpoints","Conditions, currentness, confidence"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Sources / pinpoints","Conditions, currentness, confidence"],["S_VA-P1-C001","Both chapters’ consumer definition requires a Virginia-resident individual and personal/family/household debt, including joint obligations.","S001 § 2026; S002 § 2000","High. Commercial and nonresident arrangements need separate analysis."],["S_VA-P1-C002","Settlement includes forgiveness and reductions of payments, charges, or fees; custody and principal forgiveness are not necessary elements.","S001 § 2026","High. Actual conduct controls."],["S_VA-P1-C003","A DMP involves pooling/distribution, including transfer of control of funds; lack of physical receipt alone does not avoid classification.","S002 § 2000; S004 -40(C), (L)","High. Actual account/control facts still required."],["S_VA-P1-C004","Pure education without the defined activities is outside those definitions on the assumed facts; customary-CPA wording is not a blanket licensing exemption.","S002 § 2000; S001 § 2026","Bounded. Other laws and actual representations remain relevant."],["S_VA-P1-C005","Business-purpose debt falls outside these consumer definitions, but compensated commercial pooling is not thereby cleared.","S001 § 2026; S002 § 2000; S005 § 3905","High on definitions; held on a general commercial-service permission."],["S_VA-P1-C006","Student-program facilitation and specified professional/credit-card creditor exclusions are narrow definitional provisions.","S001 § 2026; S002 § 2000","High. No blanket student-loan or medical-debt exemption inferred."],["S_VA-P1-C007","Offering/providing covered services in business requires the relevant SCC license, including remote providers.","S001 § 2027(A); S002 § 2001(A)","High. Subject to actual statutory exclusions."],["S_VA-P1-C008","Both chapters exclude banks, savings institutions, credit unions, and persons licensed to practice law in Virginia.","S001 § 2027(A); S002 § 2001(A)","High text; attorney-affiliated entity qualification held."],["S_VA-P1-C009","Nonprofit status alone is not an exemption; the DMP framework expressly contemplates profit and nonprofit entities.","S002 §§ 2001, 2005(A)(9); S001 §§ 2027, 2031","High. Eligibility and issuance still required."],["S_VA-P1-C010","Collection agencies, creditors/creditor associations, and credit-granting organizations/associations cannot receive these licenses under the stated provisions.","S002 § 2005(C); S001 § 2031(D)","High. Distinguish actually excluded institutions."],["S_VA-P1-C011","Compromising one’s own receivable differs from paid consumer representation; no general self-creditor fee exemption was established.","S001 § 2026; §§ 2027, 2031(D); S002 § 2005(C)","Bounded. No separate-fee permission inferred."],["S_VA-P1-C012","A DMP licensee has a settlement-license exception only for services solely connected to DMPs; a settlement license alone does not authorize receiving creditor-payment money or offering DMPs.","S001 § 2027(C)–(D)","High. Separate activities require separate classification."],["S_VA-P1-C013","Compensated pooling-related advice/services can be practice of law; authorized DMP providers and Virginia Bar members are distinguished from unauthorized providers. Mere payment without negotiation has a narrow exclusion.","S005 § 3905","High. Not a general licensing exemption."],["S_VA-P1-C014","Licensure requires substantive SCC findings, including fitness, conflicts, counselor certification, governance, coverage, and regulatory history; DMPs additionally require accreditation/trust arrangements.","S001 § 2031(A)–(C); S002 § 2005(A)–(B)","High. No applicant evaluated."],["S_VA-P1-C015","Surety requirements start at $25,000 within statutory ceilings of $350,000; fidelity minimums are $250,000 DMP and $50,000 settlement.","S001 § 2029; S002 § 2003; S003 -20; S004 -20","High. Actual required surety amount can depend on statutory/regulatory factors."],["S_VA-P1-C016","Actual July 2026 application forms are posted; each statutory initial application fee is $500 and nonrefundable.","S001 § 2028; S002 § 2002; S010–S012","High. Application is not issuance."],["S_VA-P1-C017","Licenses specify entity/names/locations, are not freely transferable, and remain effective until surrender, suspension, or revocation.","S001 § 2032; S002 § 2006","High. Does not prove any license remains active."]]},{"headers":["Claim ID","Precise assertion","Sources / pinpoints","Conditions, currentness, confidence"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Sources / pinpoints","Conditions, currentness, confidence"],["S_VA-P1-C018","Principal-method settlement compensation is capped at 20% of enrolled debt principal.","S001 § 2041(A)(i)","High. Timing and allocation separately apply."],["S_VA-P1-C019","Savings-method compensation is capped at 30% of settlement-date amount owed minus amount to be paid to satisfy the debt.","S001 § 2041(A)(ii)","High. Not 30% of creditor payments or necessarily enrollment savings."],["S_VA-P1-C020","The alternatives are not additive; principal-method fees on multiple debts are limited to the settled debt’s proportion of aggregate debt.","S001 § 2041(A)–(B)","High. Mixed-method optimization and ambiguous debt components not resolved."],["S_VA-P1-C021","Additional consumer settlement fees are prohibited; outside-originator enrollment/setup fees are included in the regulation’s total-fee test.","S001 § 2041(C); S003 -50(B)","High. Does not conclusively classify every independent bank/account charge."],["S_VA-P1-C022","DMP setup is capped at $75; maintenance is 15% of monthly creditor remittances, never above $60 monthly.","S002 § 2015; S004 -10","High. Applies to fees/contributions; actual remittances supply the base."],["S_VA-P1-C023","Additional DMP amounts are prohibited except disclosed, advance-authorized reimbursement of one credit report/related information and actual bank automatic-debit charges.","S002 § 2016","High. Actual costs only."],["S_VA-P1-C024","DMP cancellation requires undisbursed funds returned; all fees within five days, or fees excluding setup after five but before 31 days.","S002 § 2014(1)(v)","High. Reimbursement characterization and other remedies remain open."],["S_VA-P1-C025","State DMP ceilings do not themselves authorize every advance-billing practice; the maintenance base is actual disbursement.","S002 §§ 2000, 2015; S004 -10","Bounded. Exact state-only pre-establishment/projected-billing interpretation not retrieved."],["S_VA-P1-C026","No additional settlement-success charge on the same DMP is established by obtaining or holding another license.","S002 §§ 2015–2016; S001 § 2027(C); S004 -40(I)","High against extra DMP amounts; separate hybrid allocation held."],["S_VA-P1-C027","A settlement licensee cannot request/receive compensation before the alteration and creditor-payment conditions in § 2040(3).","S001 § 2040(3)(a)–(b)","High. State wording concerns at least one debt; C047 preserves the later-debt issue."],["S_VA-P1-C028","Settlement providers cannot require an account or POA as a service condition; requested accounts must meet statutory safeguards and permit withdrawal without penalty less lawful earned fees.","S001 § 2040(5)–(6)","High. State subsection does not state the federal seven-day deadline."]]},{"headers":["Claim ID","Precise assertion","Sources / pinpoints","Conditions, currentness, confidence"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Sources / pinpoints","Conditions, currentness, confidence"],["S_VA-P1-C029","TSR debt-relief coverage depends on its unsecured-debt, telemarketing, jurisdiction, and exemption rules; ordinary inbound advertising exemptions do not generally shelter debt-relief calls.","S016 §§ 310.2(o), (ii), 310.6(b)(5)–(6); S017 coverage","High, conditional. Not an all-channel rule."],["S_VA-P1-C030","Covered individually resolved debts require the valid customer agreement, creditor payment, and compliant fee allocation before requesting/receiving the related fee.","S016 § 310.4(a)(5)(i); S017 “Collecting Fees”; S018 pp. 48489–90","High. Federal rule, not attributed to Virginia alone."],["S_VA-P1-C031","Federal allocation uses enrollment debt amounts or a consistent savings percentage based on enrollment debt; it does not independently set a 30% cap.","S016 § 310.4(a)(5)(i)(C)","High. Virginia’s separate ceiling still applies where applicable."],["S_VA-P1-C032","A bona fide creditor-agreed installment settlement can trigger the appropriate fee after its first payment; artificial division of a required lump sum cannot.","S018 p. 48477 n.262; p. 48489 n.432; pp. 48489–90","High as Commission explanation; later failure/refund question retained."],["S_VA-P1-C033","For covered DMPs, setup compensation waits for enrollment/first payment; subsequent servicing fees are not categorically barred.","S018 p. 48489 n.431; S016 § 310.4(a)(5)","High, subject to state amounts and actual services."],["S_VA-P1-C034","The federal qualifying-account rule requires return within seven business days, less compliant earned fees; Virginia’s no-required-account rule remains separate.","S016 § 310.4(a)(5)(ii)(E); S001 § 2040(6)","High, when TSR applies."],["S_VA-P1-C035","Attorney status is not a blanket TSR exemption; bona fide nonprofit jurisdiction differs from Virginia’s lack of a nonprofit licensing exception.","S017 coverage discussion; S018 pp. 48467–69","High baseline; actual entity/telemarketer facts required."]]},{"headers":["Claim ID","Precise assertion","Sources / pinpoints","Conditions, currentness, confidence"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Sources / pinpoints","Conditions, currentness, confidence"],["S_VA-P1-C036","The retrieved operative consumer-fee provisions contain no CPI adjustment mechanism; verified figures remain $75/$60 and 20%/30%.","S001 § 2041; S002 §§ 2015–2016; S003–S004; S009","High for retrieved text. No invented adjusted amount."],["S_VA-P1-C037","Chapter 785’s settlement framework took effect July 1, 2021; its reporting provisions are not a sunset.","S006 enactments 2–3","High. Enacted effective clause read."],["S_VA-P1-C038","Final settlement rules effective December 15, 2021 control over proposed fidelity/outside-originator language.","S007 final order and -20(C), -50(B); S003","High. S021 is discovery only."],["S_VA-P1-C039","Relevant DMP regulatory amendments became effective December 1, 2015; provider assessments are not consumer cap adjustments.","S008; S004 histories and -30","High. Current codification corroborates."],["S_VA-P1-C040","Section 2001 now references Chapter 19.1; its money-transmitter exception applies only to compliant DMP pooling/distribution transmission.","S002 § 2001(C); S020 pp. 17–18, enactment 8 p. 25","High. Effective July 1, 2026; no general transmission clearance."],["S_VA-P1-C041","SCC supplies current application and lookup routes, but no named-provider status was obtained; the 2025 report is dated evidence only.","S010–S015","High as observed procedure/failure; actual authorization unresolved."],["S_VA-P1-C042","Provider annual assessments: DMP, $4.33 per prior-Dec.-31 plan, plus $500 at 250+ plans; initial Jan. 1–Mar. 25 license fee $250. Settlement, $1,000 + $3.44 per preceding-year agreement, or $0 if not licensed at prior Dec. 31. Both schedules round down to whole dollars, assess by June 1/pay by July 1.","S004 -30; S003 -40","High. Provider costs, not consumer pass-through permission; separate examination expenses are excluded from these schedules."],["S_VA-P1-C043","Credit-improvement/credit-procurement services may trigger a distinct registration and fee-timing framework, with different exclusions.","S019 §§ 335.2, 335.3, 335.5","High boundary; full operational/federal overlap held."],["S_VA-P1-C044","Capitalized components, future-interest savings, mixed methods, and re-enrollment resets were not resolved by retrieved controlling interpretation.","S001 §§ 2026, 2041; S016 § 310.4(a)(5)","Held. Do not substitute an assumed base or reset."],["S_VA-P1-C045","Independent account-charge treatment, creditor fair-share treatment, and DMP reimbursement-refund characterization remain unresolved.","S001 §§ 2040–2041; S002 §§ 2005(A)(9), 2014–2016; S003 -50(B)","Held. Disclosure of creditor support is not proof of a fee-cap exception."],["S_VA-P1-C046","Later failed/reversed installment settlements may raise earned-fee/refund questions not resolved in this pass.","S018 installment discussion; S001 § 2040(6)(e)","Held. Examples assume the stated settlement remains valid."],["S_VA-P1-C047","No controlling Virginia construction was retrieved resolving fees on a later settled-but-unpaid debt after the first state trigger is met.","S001 §§ 2040(3), 2041(B)","Held. Covered TSR transactions independently have C030’s rule."],["S_VA-P1-C048","Targeted official searches did not yield a controlling merits interpretation resolving the listed edges; an inaccessible disciplinary lead supplies no holding.","S022; research-search record described in E","Bounded search result. Not a claim that no relevant decision exists."],["S_VA-P1-C049","Actually exempt lawyers remain subject to reasonable-fee, explanation, trust/refund, and nonrefundable-advance restrictions; Rule 1.5(g) became effective July 15, 2025.","S023 Rules 1.5, 1.15, 1.16(d); S024; S025 §§ 1, 3–5","High. Actual exemption and TSR coverage remain separate."],["S_VA-P1-C050","DMP licensees cannot buy consumer debt, lend/provide credit, take security, operate as collectors, or provide legal advice.","S002 § 2014(5)–(10)","High. A license is not authorization for these additional activities."],["S_VA-P1-C051","DMP establishment must be by a licensee-employed counselor; delegated fund control requires the specified agency/notice arrangement, with continuing licensee responsibility.","S004 -40(B), (C), (L)","High. Outsourcing is not a coverage escape."],["S_VA-P1-C052","Settlement providers cannot receive prohibited compensation for arranging/advising creditor services; the stated government-program counseling exception is narrow.","S001 § 2040(7); S003 -50(D)","High. Affiliate referrals do not create an additional fee route."]]},{"headers":["Component question","Status","Claims","Exact remaining evidence / next investigation"],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Component question","Status","Claims","Exact remaining evidence / next investigation"],["Settlement versus concessions versus pooling","Answered","C002–C003, C012","For a real model, obtain service promises, agreements, and actual account/control arrangements."],["Virginia residence, consumer purpose, remote provider nexus","Answered","C001, C007","Mixed-purpose and changing-residence facts require application analysis."],["Business-purpose debt pooling","Partial","C005, C013","Retrieve authoritative construction of § 54.1-3905 for commercial pooling and any separate applicable authorization."],["Ordinary SCC licensing and issuing authority","Answered","C007, C014–C017","Actual issuance must still be verified for a specific legal entity."],["Nonprofit and institutional exclusions","Answered as statutory categories","C008–C010","Prove the actual institution/entity qualification; separately investigate exempt-institution fee law."],["Attorney exclusion and fee baseline","Partial","C008, C035, C049","Obtain controlling authority on attorney-affiliated nonlaw-firm entities and actual entity/admission/representation facts."],["Collection-agency/creditor and prohibited DMP models","Answered","C010–C011, C050","A proposed own-creditor or affiliate structure needs fact-specific classification; no separate fee exemption established."],["Current core consumer fee limits and bases","Answered","C018–C023, C036","No CPI amount is pending; the operative caps were verified."],["Principal components, future-interest savings, mixed methods, resets","Unresolved","C044","Retrieve formal SCC or controlling judicial treatment; obtain the relevant debt ledger and contract formula."],["Additional charges, donations/contributions, DMP settlement surcharge","Answered in core; partial at edges","C021–C023, C026, C045","Obtain authority on independent account fees, creditor fair-share, and genuinely separate hybrid services."],["State settlement initial timing","Answered","C027","Confirm actual alteration and creditor payment for a particular transaction."],["Later settled but unpaid debt under state law alone","Unresolved","C047","Retrieve a controlling construction of §§ 2040(3)/2041(B); do not assume the federal rule supplies state wording."],["Federal timing, allocations, genuine installments","Answered as conditional common context","C029–C035","Establish actual TSR coverage and creditor agreement; investigate later failed-settlement refund treatment separately."],["State-only DMP earliest billing/projected maintenance","Partial","C025","Retrieve formal interpretation of pre-establishment requests and reconciliation of projected versus actual disbursements."],["DMP cancellation refunds","Answered in core; partial at edges","C024, C045","Determine whether actual-cost reimbursements fall within refundable “fees”; calculate real deadlines only with applicable counting law/facts."],["Settlement account withdrawal and prior-fee credits","Answered for stated conditions","C028, C034","Actual account ledger, completed-service status, and dispute facts remain necessary."],["Current forms and public application procedure","Answered","C016–C017","No filing or contact required for this pass; application does not establish permission."],["Public lookup and named-provider status","Procedure answered; status unresolved","C041","Retry S014 publicly; record matching legal name, license category/number, active status, and approved locations."],["Effective dates and dated-source reconciliation","Answered for cited authorities","C036–C040","Continue change checking in later passes; no blanket certification against every possible uncodified enactment or court order."],["Relevant controlling case interpretation","Partial","C048","Expand official case/order retrieval on the identified edges; obtain S022 before using it and check subsequent history."],["Credit-repair/credit-procurement add-ons","Partial boundary finding","C043","Complete VDACS registration/procedure, exceptions, prohibited-credit categories, contract/fee rules, and federal CROA/TSR overlap."],["Full agreement, funds, bond, and remedies coverage","Excluded except access/fee necessities","C015, C024, C028, C049, C051","Later pass must cover complete disclosures/contracts, custody/accounting, bond enforcement, complaints, sanctions, refunds, and private remedies."],["Collection, litigation, limitations, debtor exemptions, secured debt, sector rules, local/tribal law, general contracts, and full case law","Open; outside this focused pass","—","Conduct the separately required Virginia investigations. No completion or acceptance is implied."]]}],"claims":[{"claim_id":"S_VA-P1-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C001","Precise assertion":"Both chapters’ consumer definition requires a Virginia-resident individual and personal/family/household debt, including joint obligations.","Sources / pinpoints":"S001 § 2026; S002 § 2000","Conditions, currentness, confidence":"High. Commercial and nonresident arrangements need separate analysis."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C002","Precise assertion":"Settlement includes forgiveness and reductions of payments, charges, or fees; custody and principal forgiveness are not necessary elements.","Sources / pinpoints":"S001 § 2026","Conditions, currentness, confidence":"High. Actual conduct controls."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C003","Precise assertion":"A DMP involves pooling/distribution, including transfer of control of funds; lack of physical receipt alone does not avoid classification.","Sources / pinpoints":"S002 § 2000; S004 -40(C), (L)","Conditions, currentness, confidence":"High. Actual account/control facts still required."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C004","Precise assertion":"Pure education without the defined activities is outside those definitions on the assumed facts; customary-CPA wording is not a blanket licensing exemption.","Sources / pinpoints":"S002 § 2000; S001 § 2026","Conditions, currentness, confidence":"Bounded. Other laws and actual representations remain relevant."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C005","Precise assertion":"Business-purpose debt falls outside these consumer definitions, but compensated commercial pooling is not thereby cleared.","Sources / pinpoints":"S001 § 2026; S002 § 2000; S005 § 3905","Conditions, currentness, confidence":"High on definitions; held on a general commercial-service permission."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C006","Precise assertion":"Student-program facilitation and specified professional/credit-card creditor exclusions are narrow definitional provisions.","Sources / pinpoints":"S001 § 2026; S002 § 2000","Conditions, currentness, confidence":"High. No blanket student-loan or medical-debt exemption inferred."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C007","Precise assertion":"Offering/providing covered services in business requires the relevant SCC license, including remote providers.","Sources / pinpoints":"S001 § 2027(A); S002 § 2001(A)","Conditions, currentness, confidence":"High. Subject to actual statutory exclusions."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C008","Precise assertion":"Both chapters exclude banks, savings institutions, credit unions, and persons licensed to practice law in Virginia.","Sources / pinpoints":"S001 § 2027(A); S002 § 2001(A)","Conditions, currentness, confidence":"High text; attorney-affiliated entity qualification held."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C009","Precise assertion":"Nonprofit status alone is not an exemption; the DMP framework expressly contemplates profit and nonprofit entities.","Sources / pinpoints":"S002 §§ 2001, 2005(A)(9); S001 §§ 2027, 2031","Conditions, currentness, confidence":"High. Eligibility and issuance still required."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C010","Precise assertion":"Collection agencies, creditors/creditor associations, and credit-granting organizations/associations cannot receive these licenses under the stated provisions.","Sources / pinpoints":"S002 § 2005(C); S001 § 2031(D)","Conditions, currentness, confidence":"High. Distinguish actually excluded institutions."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C011","Precise assertion":"Compromising one’s own receivable differs from paid consumer representation; no general self-creditor fee exemption was established.","Sources / pinpoints":"S001 § 2026; §§ 2027, 2031(D); S002 § 2005(C)","Conditions, currentness, confidence":"Bounded. No separate-fee permission inferred."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C012","Precise assertion":"A DMP licensee has a settlement-license exception only for services solely connected to DMPs; a settlement license alone does not authorize receiving creditor-payment money or offering DMPs.","Sources / pinpoints":"S001 § 2027(C)–(D)","Conditions, currentness, confidence":"High. Separate activities require separate classification."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C013","Precise assertion":"Compensated pooling-related advice/services can be practice of law; authorized DMP providers and Virginia Bar members are distinguished from unauthorized providers. Mere payment without negotiation has a narrow exclusion.","Sources / pinpoints":"S005 § 3905","Conditions, currentness, confidence":"High. Not a general licensing exemption."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C014","Precise assertion":"Licensure requires substantive SCC findings, including fitness, conflicts, counselor certification, governance, coverage, and regulatory history; DMPs additionally require accreditation/trust arrangements.","Sources / pinpoints":"S001 § 2031(A)–(C); S002 § 2005(A)–(B)","Conditions, currentness, confidence":"High. No applicant evaluated."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C015","Precise assertion":"Surety requirements start at $25,000 within statutory ceilings of $350,000; fidelity minimums are $250,000 DMP and $50,000 settlement.","Sources / pinpoints":"S001 § 2029; S002 § 2003; S003 -20; S004 -20","Conditions, currentness, confidence":"High. Actual required surety amount can depend on statutory/regulatory factors."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C016","Precise assertion":"Actual July 2026 application forms are posted; each statutory initial application fee is $500 and nonrefundable.","Sources / pinpoints":"S001 § 2028; S002 § 2002; S010–S012","Conditions, currentness, confidence":"High. Application is not issuance."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C017","Precise assertion":"Licenses specify entity/names/locations, are not freely transferable, and remain effective until surrender, suspension, or revocation.","Sources / pinpoints":"S001 § 2032; S002 § 2006","Conditions, currentness, confidence":"High. Does not prove any license remains active."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C018","Precise assertion":"Principal-method settlement compensation is capped at 20% of enrolled debt principal.","Sources / pinpoints":"S001 § 2041(A)(i)","Conditions, currentness, confidence":"High. Timing and allocation separately apply."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C019","Precise assertion":"Savings-method compensation is capped at 30% of settlement-date amount owed minus amount to be paid to satisfy the debt.","Sources / pinpoints":"S001 § 2041(A)(ii)","Conditions, currentness, confidence":"High. Not 30% of creditor payments or necessarily enrollment savings."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C020","Precise assertion":"The alternatives are not additive; principal-method fees on multiple debts are limited to the settled debt’s proportion of aggregate debt.","Sources / pinpoints":"S001 § 2041(A)–(B)","Conditions, currentness, confidence":"High. Mixed-method optimization and ambiguous debt components not resolved."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C021","Precise assertion":"Additional consumer settlement fees are prohibited; outside-originator enrollment/setup fees are included in the regulation’s total-fee test.","Sources / pinpoints":"S001 § 2041(C); S003 -50(B)","Conditions, currentness, confidence":"High. Does not conclusively classify every independent bank/account charge."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C022","Precise assertion":"DMP setup is capped at $75; maintenance is 15% of monthly creditor remittances, never above $60 monthly.","Sources / pinpoints":"S002 § 2015; S004 -10","Conditions, currentness, confidence":"High. Applies to fees/contributions; actual remittances supply the base."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C023","Precise assertion":"Additional DMP amounts are prohibited except disclosed, advance-authorized reimbursement of one credit report/related information and actual bank automatic-debit charges.","Sources / pinpoints":"S002 § 2016","Conditions, currentness, confidence":"High. Actual costs only."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C024","Precise assertion":"DMP cancellation requires undisbursed funds returned; all fees within five days, or fees excluding setup after five but before 31 days.","Sources / pinpoints":"S002 § 2014(1)(v)","Conditions, currentness, confidence":"High. Reimbursement characterization and other remedies remain open."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C025","Precise assertion":"State DMP ceilings do not themselves authorize every advance-billing practice; the maintenance base is actual disbursement.","Sources / pinpoints":"S002 §§ 2000, 2015; S004 -10","Conditions, currentness, confidence":"Bounded. Exact state-only pre-establishment/projected-billing interpretation not retrieved."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C026","Precise assertion":"No additional settlement-success charge on the same DMP is established by obtaining or holding another license.","Sources / pinpoints":"S002 §§ 2015–2016; S001 § 2027(C); S004 -40(I)","Conditions, currentness, confidence":"High against extra DMP amounts; separate hybrid allocation held."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C027","Precise assertion":"A settlement licensee cannot request/receive compensation before the alteration and creditor-payment conditions in § 2040(3).","Sources / pinpoints":"S001 § 2040(3)(a)–(b)","Conditions, currentness, confidence":"High. State wording concerns at least one debt; C047 preserves the later-debt issue."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C028","Precise assertion":"Settlement providers cannot require an account or POA as a service condition; requested accounts must meet statutory safeguards and permit withdrawal without penalty less lawful earned fees.","Sources / pinpoints":"S001 § 2040(5)–(6)","Conditions, currentness, confidence":"High. State subsection does not state the federal seven-day deadline."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C029","Precise assertion":"TSR debt-relief coverage depends on its unsecured-debt, telemarketing, jurisdiction, and exemption rules; ordinary inbound advertising exemptions do not generally shelter debt-relief calls.","Sources / pinpoints":"S016 §§ 310.2(o), (ii), 310.6(b)(5)–(6); S017 coverage","Conditions, currentness, confidence":"High, conditional. Not an all-channel rule."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C030","Precise assertion":"Covered individually resolved debts require the valid customer agreement, creditor payment, and compliant fee allocation before requesting/receiving the related fee.","Sources / pinpoints":"S016 § 310.4(a)(5)(i); S017 “Collecting Fees”; S018 pp. 48489–90","Conditions, currentness, confidence":"High. Federal rule, not attributed to Virginia alone."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C031","Precise assertion":"Federal allocation uses enrollment debt amounts or a consistent savings percentage based on enrollment debt; it does not independently set a 30% cap.","Sources / pinpoints":"S016 § 310.4(a)(5)(i)(C)","Conditions, currentness, confidence":"High. Virginia’s separate ceiling still applies where applicable."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C032","Precise assertion":"A bona fide creditor-agreed installment settlement can trigger the appropriate fee after its first payment; artificial division of a required lump sum cannot.","Sources / pinpoints":"S018 p. 48477 n.262; p. 48489 n.432; pp. 48489–90","Conditions, currentness, confidence":"High as Commission explanation; later failure/refund question retained."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C033","Precise assertion":"For covered DMPs, setup compensation waits for enrollment/first payment; subsequent servicing fees are not categorically barred.","Sources / pinpoints":"S018 p. 48489 n.431; S016 § 310.4(a)(5)","Conditions, currentness, confidence":"High, subject to state amounts and actual services."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C034","Precise assertion":"The federal qualifying-account rule requires return within seven business days, less compliant earned fees; Virginia’s no-required-account rule remains separate.","Sources / pinpoints":"S016 § 310.4(a)(5)(ii)(E); S001 § 2040(6)","Conditions, currentness, confidence":"High, when TSR applies."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C035","Precise assertion":"Attorney status is not a blanket TSR exemption; bona fide nonprofit jurisdiction differs from Virginia’s lack of a nonprofit licensing exception.","Sources / pinpoints":"S017 coverage discussion; S018 pp. 48467–69","Conditions, currentness, confidence":"High baseline; actual entity/telemarketer facts required."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C036","Precise assertion":"The retrieved operative consumer-fee provisions contain no CPI adjustment mechanism; verified figures remain $75/$60 and 20%/30%.","Sources / pinpoints":"S001 § 2041; S002 §§ 2015–2016; S003–S004; S009","Conditions, currentness, confidence":"High for retrieved text. No invented adjusted amount."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C037","Precise assertion":"Chapter 785’s settlement framework took effect July 1, 2021; its reporting provisions are not a sunset.","Sources / pinpoints":"S006 enactments 2–3","Conditions, currentness, confidence":"High. Enacted effective clause read."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C038","Precise assertion":"Final settlement rules effective December 15, 2021 control over proposed fidelity/outside-originator language.","Sources / pinpoints":"S007 final order and -20(C), -50(B); S003","Conditions, currentness, confidence":"High. S021 is discovery only."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C039","Precise assertion":"Relevant DMP regulatory amendments became effective December 1, 2015; provider assessments are not consumer cap adjustments.","Sources / pinpoints":"S008; S004 histories and -30","Conditions, currentness, confidence":"High. Current codification corroborates."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C040","Precise assertion":"Section 2001 now references Chapter 19.1; its money-transmitter exception applies only to compliant DMP pooling/distribution transmission.","Sources / pinpoints":"S002 § 2001(C); S020 pp. 17–18, enactment 8 p. 25","Conditions, currentness, confidence":"High. Effective July 1, 2026; no general transmission clearance."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C041","Precise assertion":"SCC supplies current application and lookup routes, but no named-provider status was obtained; the 2025 report is dated evidence only.","Sources / pinpoints":"S010–S015","Conditions, currentness, confidence":"High as observed procedure/failure; actual authorization unresolved."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C042","Precise assertion":"Provider annual assessments: DMP, $4.33 per prior-Dec.-31 plan, plus $500 at 250+ plans; initial Jan. 1–Mar. 25 license fee $250. Settlement, $1,000 + $3.44 per preceding-year agreement, or $0 if not licensed at prior Dec. 31. Both schedules round down to whole dollars, assess by June 1/pay by July 1.","Sources / pinpoints":"S004 -30; S003 -40","Conditions, currentness, confidence":"High. Provider costs, not consumer pass-through permission; separate examination expenses are excluded from these schedules."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C043","Precise assertion":"Credit-improvement/credit-procurement services may trigger a distinct registration and fee-timing framework, with different exclusions.","Sources / pinpoints":"S019 §§ 335.2, 335.3, 335.5","Conditions, currentness, confidence":"High boundary; full operational/federal overlap held."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C044","Precise assertion":"Capitalized components, future-interest savings, mixed methods, and re-enrollment resets were not resolved by retrieved controlling interpretation.","Sources / pinpoints":"S001 §§ 2026, 2041; S016 § 310.4(a)(5)","Conditions, currentness, confidence":"Held. Do not substitute an assumed base or reset."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C045","Precise assertion":"Independent account-charge treatment, creditor fair-share treatment, and DMP reimbursement-refund characterization remain unresolved.","Sources / pinpoints":"S001 §§ 2040–2041; S002 §§ 2005(A)(9), 2014–2016; S003 -50(B)","Conditions, currentness, confidence":"Held. Disclosure of creditor support is not proof of a fee-cap exception."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C046","Precise assertion":"Later failed/reversed installment settlements may raise earned-fee/refund questions not resolved in this pass.","Sources / pinpoints":"S018 installment discussion; S001 § 2040(6)(e)","Conditions, currentness, confidence":"Held. Examples assume the stated settlement remains valid."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C047","Precise assertion":"No controlling Virginia construction was retrieved resolving fees on a later settled-but-unpaid debt after the first state trigger is met.","Sources / pinpoints":"S001 §§ 2040(3), 2041(B)","Conditions, currentness, confidence":"Held. Covered TSR transactions independently have C030’s rule."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C048","Precise assertion":"Targeted official searches did not yield a controlling merits interpretation resolving the listed edges; an inaccessible disciplinary lead supplies no holding.","Sources / pinpoints":"S022; research-search record described in E","Conditions, currentness, confidence":"Bounded search result. Not a claim that no relevant decision exists."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C049","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C049","Precise assertion":"Actually exempt lawyers remain subject to reasonable-fee, explanation, trust/refund, and nonrefundable-advance restrictions; Rule 1.5(g) became effective July 15, 2025.","Sources / pinpoints":"S023 Rules 1.5, 1.15, 1.16(d); S024; S025 §§ 1, 3–5","Conditions, currentness, confidence":"High. Actual exemption and TSR coverage remain separate."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C050","Precise assertion":"DMP licensees cannot buy consumer debt, lend/provide credit, take security, operate as collectors, or provide legal advice.","Sources / pinpoints":"S002 § 2014(5)–(10)","Conditions, currentness, confidence":"High. A license is not authorization for these additional activities."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C051","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C051","Precise assertion":"DMP establishment must be by a licensee-employed counselor; delegated fund control requires the specified agency/notice arrangement, with continuing licensee responsibility.","Sources / pinpoints":"S004 -40(B), (C), (L)","Conditions, currentness, confidence":"High. Outsourcing is not a coverage escape."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_VA-P1-C052","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P1-C052","Precise assertion":"Settlement providers cannot receive prohibited compensation for arranging/advising creditor services; the stated government-program counseling exception is narrow.","Sources / pinpoints":"S001 § 2040(7); S003 -50(D)","Conditions, currentness, confidence":"High. Affiliate referrals do not create an additional fee route."},"coordinator_verification_status":"read_claim_conditions_selected_support_checks_only_no_full_currentness_acceptance","coordinator_review":"[internal evidence reference]"}],"sources":[{"source_id":"S_VA-P1-S001","urls":["https://law.lis.virginia.gov/vacodefull/title6.2/chapter20.1/","https://law.lis.virginia.gov/vacodefull/title6.2/chapter20.1/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P1-S001","Title / issuer and direct literal URL":"Code of Virginia, Title 6.2, Chapter 20.1—Debt Settlement Services Providers, Virginia General Assembly. https://law.lis.virginia.gov/vacodefull/title6.2/chapter20.1/","Exact pinpoints read and legal status":"§§ 2026–2029, 2031–2032, 2040(1)–(7), 2041(A)–(C), with associated chapter provisions. Current codified text; operative origin/effective date checked against S006.","Access / limitations":"R23. Primary Virginia law. Does not prove any entity’s license."},"coordinator_verification_status":"attempt_or_selected_passages_only_see_record","coordinator_review":"[internal evidence reference]"},{"source_id":"S_VA-P1-S002","urls":["https://law.lis.virginia.gov/vacodefull/title6.2/chapter20/","https://law.lis.virginia.gov/vacodefull/title6.2/chapter20/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P1-S002","Title / issuer and direct literal URL":"Code of Virginia, Title 6.2, Chapter 20—Agencies Providing Debt Management Plans. https://law.lis.virginia.gov/vacodefull/title6.2/chapter20/","Exact pinpoints read and legal status":"§§ 2000–2006, 2014(1), (5)–(16), 2015–2016; relevant licensing/assessment provisions. Current codification. § 2001’s 2026-effective amendment checked against S020.","Access / limitations":"R23. Fee sections retain their published 2004/2010 history; webpage date is not an effective date."},"coordinator_verification_status":"attempt_or_selected_passages_only_see_record","coordinator_review":"[internal evidence reference]"},{"source_id":"S_VA-P1-S003","urls":["https://law.lis.virginia.gov/admincodefull/title10/agency5/chapter230/","https://law.lis.virginia.gov/admincodefull/title10/agency5/chapter230/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P1-S003","Title / issuer and direct literal URL":"10VAC5-230—Debt Settlement Services Providers, SCC / Virginia Administrative Code. https://law.lis.virginia.gov/admincodefull/title10/agency5/chapter230/","Exact pinpoints read and legal status":"Full operative chapter; especially -20, -40, -50(A)–(J), -60, -80. Effective December 15, 2021 in published histories.","Access / limitations":"R23. Final regulation, corroborated by S007; regulatory waiver language is not an assumed statutory waiver."},"coordinator_verification_status":"attempt_or_selected_passages_only_see_record","coordinator_review":"[internal evidence reference]"},{"source_id":"S_VA-P1-S004","urls":["https://law.lis.virginia.gov/admincodefull/title10/agency5/chapter110/","https://law.lis.virginia.gov/admincodefull/title10/agency5/chapter110/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P1-S004","Title / issuer and direct literal URL":"10VAC5-110—Credit Counseling, SCC / Virginia Administrative Code. https://law.lis.virginia.gov/admincodefull/title10/agency5/chapter110/","Exact pinpoints read and legal status":"Full operative chapter; especially -10 “total amount disbursed,” -20, -30, -40(B), (C), (I), (L), (M), -70. Relevant latest amendments effective December 1, 2015.","Access / limitations":"R23. Chapter 110 is the relevant DMP regulation."},"coordinator_verification_status":"attempt_or_selected_passages_only_see_record","coordinator_review":"[internal evidence reference]"},{"source_id":"S_VA-P1-S005","urls":["https://law.lis.virginia.gov/vacode/title54.1/chapter39/section54.1-3905/","https://law.lis.virginia.gov/vacode/title54.1/chapter39/section54.1-3904/","https://law.lis.virginia.gov/vacode/title54.1/chapter39/section54.1-3905/?utm_source=chatgpt.com","https://law.lis.virginia.gov/vacode/title54.1/chapter39/section54.1-3904/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P1-S005","Title / issuer and direct literal URL":"Code of Virginia, Title 54.1, Chapter 39—Attorneys. https://law.lis.virginia.gov/vacode/title54.1/chapter39/section54.1-3905/ ; https://law.lis.virginia.gov/vacode/title54.1/chapter39/section54.1-3904/","Exact pinpoints read and legal status":"§ 3905 complete operative paragraphs; § 3904 general unauthorized-practice provision. Current codification.","Access / limitations":"R23. Commercial-pooling and entity-specific applications remain limited by missing interpretation."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P1-S006","urls":["https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+ful+CHAP0785+pdf=","https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+ful+CHAP0785+pdf&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P1-S006","Title / issuer and direct literal URL":"2020 Acts of Assembly, Chapter 785, HB 1553. https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+ful+CHAP0785+pdf=","Exact pinpoints read and legal status":"Enacted Chapter 20.1; enactments 2–3. Approved April 7, 2020; effective July 1, 2021.","Access / limitations":"R23. Successful alternate official route; original route failure recorded below."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P1-S007","urls":["https://register.dls.virginia.gov/details.aspx?id=9959","https://register.dls.virginia.gov/details.aspx?id=9959&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P1-S007","Title / issuer and direct literal URL":"Final SCC order and regulation, Case BFI-2021-00010, Virginia Register, Vol. 38, Issue 8. https://register.dls.virginia.gov/details.aspx?id=9959","Exact pinpoints read and legal status":"Order November 18, 2021; final attached 10VAC5-230, particularly -20(C), -50(B). Effective December 15, 2021.","Access / limitations":"R23. Final adoption, not proposed wording."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P1-S008","urls":["https://register.dls.virginia.gov/details.aspx?id=5231","https://register.dls.virginia.gov/details.aspx?id=5231&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P1-S008","Title / issuer and direct literal URL":"Final SCC order and DMP amendments, Case BFI-2015-00039, Virginia Register, Vol. 32, Issue 5. https://register.dls.virginia.gov/details.aspx?id=5231","Exact pinpoints read and legal status":"Order and operative attached 10VAC5-110 amendments. Published November 2, 2015; effective December 1, 2015.","Access / limitations":"R23. Historical adoption supporting current regulatory text."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P1-S009","urls":["https://law.lis.virginia.gov/vacodeupdates/title6.2/","https://law.lis.virginia.gov/vacodeupdates/title6.2/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P1-S009","Title / issuer and direct literal URL":"2026 Code Updates—Title 6.2, Virginia General Assembly. https://law.lis.virginia.gov/vacodeupdates/title6.2/","Exact pinpoints read and legal status":"Chapter 20 entry for § 2001; checked for relevant chapter updates.","Access / limitations":"R23. Update index corroboration; not a substitute for an enactment or exhaustive litigation/currentness certification."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P1-S019","urls":["https://law.lis.virginia.gov/vacodefull/title59.1/chapter25.1/","https://law.lis.virginia.gov/vacodefull/title59.1/chapter25.1/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P1-S019","Title / issuer and direct literal URL":"Virginia Credit Services Businesses Act, Title 59.1, Chapter 25.1. https://law.lis.virginia.gov/vacodefull/title59.1/chapter25.1/","Exact pinpoints read and legal status":"§§ 335.2 definitions/exclusions, 335.3 registration, 335.5 prohibited practices. Current codification.","Access / limitations":"R23. Boundary analysis only; full credit-services/CROA investigation remains open."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P1-S020","urls":["https://lis.blob.core.windows.net/files/1072214.PDF","https://lis.blob.core.windows.net/files/1072214.PDF?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P1-S020","Title / issuer and direct literal URL":"2025 Acts of Assembly, Chapter 214, HB 1942, official LIS PDF. https://lis.blob.core.windows.net/files/1072214.PDF","Exact pinpoints read and legal status":"PDF pp. 17–18, amendment to § 6.2-2001; p. 25, enactment 8. Approved March 21, 2025; relevant effective date July 1, 2026.","Access / limitations":"R23. Enacted text recovered from official static PDF; no longer future-effective at this check."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P1-S021","urls":["https://register.dls.virginia.gov/details.aspx?id=9772","https://register.dls.virginia.gov/details.aspx?id=9772&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P1-S021","Title / issuer and direct literal URL":"2021 proposed 10VAC5-230, Virginia Register. https://register.dls.virginia.gov/details.aspx?id=9772","Exact pinpoints read and legal status":"Proposal identified as a historical lead.","Access / limitations":"D23. Not separately relied on as operative text; final changes were read in S007."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P1-S010","urls":["https://www.scc.virginia.gov/regulated-industries/bureau-of-financial-institutions/application-forms/","https://www.scc.virginia.gov/regulated-industries/bureau-of-financial-institutions/application-forms/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P1-S010","Title / issuer and direct literal URL":"Application Forms, SCC Bureau of Financial Institutions. https://www.scc.virginia.gov/regulated-industries/bureau-of-financial-institutions/application-forms/","Exact pinpoint / status":"General submission/payment instructions; Credit Counseling and Debt Settlement Services Providers sections.","Access / limitations":"R23. Current posted procedure, not statutory permission or issuance."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P1-S011","urls":["https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/application-forms/ccb11001.pdf","https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/application-forms/ccb11001.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P1-S011","Title / issuer and direct literal URL":"Application for a License to Engage in the Business of Providing Debt Settlement Services, SCC, CCB-11001. https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/application-forms/ccb11001.pdf","Exact pinpoint / status":"Six-page form, Rev. 7/2026; especially pp. 1–2 instructions and required supporting materials.","Access / limitations":"R23. Actual application read; no application submitted."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P1-S012","urls":["https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/application-forms/ccb7700.pdf","https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/application-forms/ccb7700.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P1-S012","Title / issuer and direct literal URL":"Application for a License to Engage in Business as an Agency Providing Debt Management Plans, SCC, CCB-7700. https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/application-forms/ccb7700.pdf","Exact pinpoint / status":"Six-page form, Rev. 07/2026; especially pp. 1–2 instructions.","Access / limitations":"R23. “Chapter 10” instruction reference does not override Chapter 20 law."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P1-S013","urls":["https://www.scc.virginia.gov/consumers/banks-consumer-lenders/regulated-financial-institutions/","https://www.scc.virginia.gov/consumers/banks-consumer-lenders/regulated-financial-institutions/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P1-S013","Title / issuer and direct literal URL":"Regulated Financial Institutions—Verify a License, SCC. https://www.scc.virginia.gov/consumers/banks-consumer-lenders/regulated-financial-institutions/","Exact pinpoint / status":"Company Search description and explicit inclusion of DMP agencies and settlement providers.","Access / limitations":"R23. Establishes the public verification route."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P1-S014","urls":["https://www.scc.virginia.gov/licenseesearch","https://www.scc.virginia.gov/licenseesearch?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P1-S014","Title / issuer and direct literal URL":"Company Search, SCC. https://www.scc.virginia.gov/licenseesearch","Exact pinpoint / status":"Only loading, failed rejoin, paused-session, and failed-resume content returned.","Access / limitations":"F23. No individual record or current status obtained."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P1-S015","urls":["https://rga.lis.virginia.gov/Published/2025/RD913/PDF","https://rga.lis.virginia.gov/Published/2025/RD913/PDF?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P1-S015","Title / issuer and direct literal URL":"Debt Settlement Services Providers report, SCC, December 1, 2025, RD913. https://rga.lis.virginia.gov/Published/2025/RD913/PDF","Exact pinpoint / status":"Printed pp. 1–2, PDF pp. 5–6: dated licensing information and fee framework.","Access / limitations":"R23. Historical reporting; not an October 2026 license roster."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P1-S016","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P1-S016","Title / issuer and direct literal URL":"16 CFR Part 310—Telemarketing Sales Rule, eCFR/OFR. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","Exact pinpoint / legal status":"§§ 310.2(o), (ii); 310.4(a)(5)(i)(A)–(C), (ii)(A)–(E); 310.6 relevant exemptions. Displayed current through October 21, 2026.","Access / limitations":"R23. Federal common context. eCFR describes itself as authoritative but unofficial; coverage remains fact-dependent."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P1-S017","urls":["https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business","https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P1-S017","Title / issuer and direct literal URL":"Debt Relief Services & the Telemarketing Sales Rule: A Guide for Business, FTC. https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business","Exact pinpoint / legal status":"Coverage, collecting fees, individual debts, dedicated accounts, attorney/nonprofit discussion.","Access / limitations":"R23. Official staff guidance, expressly not a substitute for the rule."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P1-S018","urls":["https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf","https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P1-S018","Title / issuer and direct literal URL":"Telemarketing Sales Rule final rule, FTC, 75 FR 48458–48523, August 10, 2010. https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf","Exact pinpoint / legal status":"Printed pp. 48467–69; p. 48477 n.262; pp. 48489–90, III.C.5 and nn.431–432. Advance-fee provisions effective October 27, 2010.","Access / limitations":"R23. Historical final adoption and Commission explanation; current rule checked separately in S016."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P1-S022","urls":["https://vsbwebstorage.blob.core.windows.net/%24web/actions/Perry-082626.pdf"],"researcher_record":{"Source ID":"S_VA-P1-S022","Title / issuer and direct literal URL":"Virginia State Bar disciplinary PDF lead, filename Perry-082626.pdf. https://vsbwebstorage.blob.core.windows.net/%24web/actions/Perry-082626.pdf","Exact pinpoint / legal status":"No substantive passage obtained.","Access / limitations":"F23. Tool reported inaccessible. Contents, holding, and relevance remain unverified; no legal conclusion drawn from the lead."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P1-S023","urls":["https://vsb.org/Site/Site/about/rules-regulations/rpc-part6-sec2.aspx","https://vsb.org/Site/Site/about/rules-regulations/rpc-part6-sec2.aspx?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P1-S023","Title / issuer and direct literal URL":"Rules of the Supreme Court of Virginia, Part Six, Section II—Rules of Professional Conduct, official VSB publication. https://vsb.org/Site/Site/about/rules-regulations/rpc-part6-sec2.aspx","Exact pinpoint / legal status":"Rule 1.5(a)–(c), (g), comments [4], [10]–[11]; Rule 1.15(a), (b), comment [2a]; Rule 1.16(d). Current posted rules.","Access / limitations":"R23. Selected operative fee/custody/refund passages, not a full professional-responsibility review."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P1-S024","urls":["https://www.vacourts.gov/static/courts/scv/amendments/part%20six_sect_ii_rule_1_5.pdf","https://www.vacourts.gov/static/courts/scv/amendments/part%20six_sect_ii_rule_1_5.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P1-S024","Title / issuer and direct literal URL":"Supreme Court of Virginia order amending Rule 1.5, May 16, 2025. https://www.vacourts.gov/static/courts/scv/amendments/part%20six_sect_ii_rule_1_5.pdf","Exact pinpoint / legal status":"All three pages; p. 2, Rule 1.5(g); pp. 2–3 comments; p. 3 effective clause: July 15, 2025.","Access / limitations":"R23. Adopted court rule, not a proposal or a merits construction of the debt-service statutes."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P1-S025","urls":["https://vsb.org/common/Uploaded%20files/LEOs/1606.pdf","https://vsb.org/common/Uploaded%20files/LEOs/1606.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P1-S025","Title / issuer and direct literal URL":"Legal Ethics Opinion 1606—Fees (Compendium Opinion), VSB. https://vsb.org/common/Uploaded%20files/LEOs/1606.pdf","Exact pinpoint / legal status":"p. 2 § 1; pp. 4–5 §§ 3–5. Committee opinion November 22, 1994; Supreme Court approved November 2, 2016.","Access / limitations":"R23. Uses predecessor disciplinary-rule numbering; current relevance corroborated by current Rule 1.5 comment [10]."},"coordinator_verification_status":"not_yet_checked"}],"coverage":[{"topic":"Settlement versus concessions versus pooling","researcher_record":{"Component question":"Settlement versus concessions versus pooling","Status":"Answered","Claims":"C002–C003, C012","Exact remaining evidence / next investigation":"For a real model, obtain service promises, agreements, and actual account/control arrangements."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_open_not_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Virginia residence, consumer purpose, remote provider nexus","researcher_record":{"Component question":"Virginia residence, consumer purpose, remote provider nexus","Status":"Answered","Claims":"C001, C007","Exact remaining evidence / next investigation":"Mixed-purpose and changing-residence facts require application analysis."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_open_not_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Business-purpose debt pooling","researcher_record":{"Component question":"Business-purpose debt pooling","Status":"Partial","Claims":"C005, C013","Exact remaining evidence / next investigation":"Retrieve authoritative construction of § 54.1-3905 for commercial pooling and any separate applicable authorization."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_open_not_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Ordinary SCC licensing and issuing authority","researcher_record":{"Component question":"Ordinary SCC licensing and issuing authority","Status":"Answered","Claims":"C007, C014–C017","Exact remaining evidence / next investigation":"Actual issuance must still be verified for a specific legal entity."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_open_not_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Nonprofit and institutional exclusions","researcher_record":{"Component question":"Nonprofit and institutional exclusions","Status":"Answered as statutory categories","Claims":"C008–C010","Exact remaining evidence / next investigation":"Prove the actual institution/entity qualification; separately investigate exempt-institution fee law."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_open_not_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Attorney exclusion and fee baseline","researcher_record":{"Component question":"Attorney exclusion and fee baseline","Status":"Partial","Claims":"C008, C035, C049","Exact remaining evidence / next investigation":"Obtain controlling authority on attorney-affiliated nonlaw-firm entities and actual entity/admission/representation facts."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_open_not_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Collection-agency/creditor and prohibited DMP models","researcher_record":{"Component question":"Collection-agency/creditor and prohibited DMP models","Status":"Answered","Claims":"C010–C011, C050","Exact remaining evidence / next investigation":"A proposed own-creditor or affiliate structure needs fact-specific classification; no separate fee exemption established."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_open_not_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Current core consumer fee limits and bases","researcher_record":{"Component question":"Current core consumer fee limits and bases","Status":"Answered","Claims":"C018–C023, C036","Exact remaining evidence / next investigation":"No CPI amount is pending; the operative caps were verified."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_open_not_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Principal components, future-interest savings, mixed methods, resets","researcher_record":{"Component question":"Principal components, future-interest savings, mixed methods, resets","Status":"Unresolved","Claims":"C044","Exact remaining evidence / next investigation":"Retrieve formal SCC or controlling judicial treatment; obtain the relevant debt ledger and contract formula."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_open_not_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Additional charges, donations/contributions, DMP settlement surcharge","researcher_record":{"Component question":"Additional charges, donations/contributions, DMP settlement surcharge","Status":"Answered in core; partial at edges","Claims":"C021–C023, C026, C045","Exact remaining evidence / next investigation":"Obtain authority on independent account fees, creditor fair-share, and genuinely separate hybrid services."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_open_not_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"State settlement initial timing","researcher_record":{"Component question":"State settlement initial timing","Status":"Answered","Claims":"C027","Exact remaining evidence / next investigation":"Confirm actual alteration and creditor payment for a particular transaction."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_open_not_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Later settled but unpaid debt under state law alone","researcher_record":{"Component question":"Later settled but unpaid debt under state law alone","Status":"Unresolved","Claims":"C047","Exact remaining evidence / next investigation":"Retrieve a controlling construction of §§ 2040(3)/2041(B); do not assume the federal rule supplies state wording."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_open_not_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Federal timing, allocations, genuine installments","researcher_record":{"Component question":"Federal timing, allocations, genuine installments","Status":"Answered as conditional common context","Claims":"C029–C035","Exact remaining evidence / next investigation":"Establish actual TSR coverage and creditor agreement; investigate later failed-settlement refund treatment separately."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_open_not_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"State-only DMP earliest billing/projected maintenance","researcher_record":{"Component question":"State-only DMP earliest billing/projected maintenance","Status":"Partial","Claims":"C025","Exact remaining evidence / next investigation":"Retrieve formal interpretation of pre-establishment requests and reconciliation of projected versus actual disbursements."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_open_not_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"DMP cancellation refunds","researcher_record":{"Component question":"DMP cancellation refunds","Status":"Answered in core; partial at edges","Claims":"C024, C045","Exact remaining evidence / next investigation":"Determine whether actual-cost reimbursements fall within refundable “fees”; calculate real deadlines only with applicable counting law/facts."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_open_not_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Settlement account withdrawal and prior-fee credits","researcher_record":{"Component question":"Settlement account withdrawal and prior-fee credits","Status":"Answered for stated conditions","Claims":"C028, C034","Exact remaining evidence / next investigation":"Actual account ledger, completed-service status, and dispute facts remain necessary."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_open_not_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Current forms and public application procedure","researcher_record":{"Component question":"Current forms and public application procedure","Status":"Answered","Claims":"C016–C017","Exact remaining evidence / next investigation":"No filing or contact required for this pass; application does not establish permission."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_open_not_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Public lookup and named-provider status","researcher_record":{"Component question":"Public lookup and named-provider status","Status":"Procedure answered; status unresolved","Claims":"C041","Exact remaining evidence / next investigation":"Retry S014 publicly; record matching legal name, license category/number, active status, and approved locations."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_open_not_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Effective dates and dated-source reconciliation","researcher_record":{"Component question":"Effective dates and dated-source reconciliation","Status":"Answered for cited authorities","Claims":"C036–C040","Exact remaining evidence / next investigation":"Continue change checking in later passes; no blanket certification against every possible uncodified enactment or court order."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_open_not_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Relevant controlling case interpretation","researcher_record":{"Component question":"Relevant controlling case interpretation","Status":"Partial","Claims":"C048","Exact remaining evidence / next investigation":"Expand official case/order retrieval on the identified edges; obtain S022 before using it and check subsequent history."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_open_not_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Credit-repair/credit-procurement add-ons","researcher_record":{"Component question":"Credit-repair/credit-procurement add-ons","Status":"Partial boundary finding","Claims":"C043","Exact remaining evidence / next investigation":"Complete VDACS registration/procedure, exceptions, prohibited-credit categories, contract/fee rules, and federal CROA/TSR overlap."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_open_not_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Full agreement, funds, bond, and remedies coverage","researcher_record":{"Component question":"Full agreement, funds, bond, and remedies coverage","Status":"Excluded except access/fee necessities","Claims":"C015, C024, C028, C049, C051","Exact remaining evidence / next investigation":"Later pass must cover complete disclosures/contracts, custody/accounting, bond enforcement, complaints, sanctions, refunds, and private remedies."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_open_not_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Collection, litigation, limitations, debtor exemptions, secured debt, sector rules, local/tribal law, general contracts, and full case law","researcher_record":{"Component question":"Collection, litigation, limitations, debtor exemptions, secured debt, sector rules, local/tribal law, general contracts, and full case law","Status":"Open; outside this focused pass","Claims":"—","Exact remaining evidence / next investigation":"Conduct the separately required Virginia investigations. No completion or acceptance is implied."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_open_not_state_acceptance","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}