{"meta":{"key":"s_va--pass-02","task":"S_VA","title":"SVA Virginia narrow construction follow-up","parent_title":"Virginia debt and debt relief law","edition":"pass-02","path":"/research/s_va--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":6,"claims":11,"sources":14,"review_status":"revise","review_complete":true,"sha256":"8e54403ee5801ed7425eb7a67e156a1052481ac2a17e3b8957cc52382ea580eb","headings":["Bottom line","1. Later debt settled without its own creditor payment","What Virginia actually says","What the SCC rulemaking does—and does not—resolve","Legislative-history signal","Current conclusion","2. Independent account administrator charges","Virginia expressly contemplates an independent account administrator","But § 2041 does not supply a separate account-fee authorization","The account provision itself regulates compensation—but only referral compensation expressly","Rulemaking search result","Current conclusion","3. Cancellation refunds and § 6.2-2016 actual-cost reimbursements","The cancellation text","The permitted additional charges use different terminology","The distinction is original, not a recodification accident","But the missing legal step remains missing","Practical distinctions within the unresolved issue","Current conclusion","Failed or incomplete routes","Exact remaining dependencies"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Medium","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_VA/pass-02","facets":{"geography":["us","us-va"],"debt_type":[],"stage":[],"subject":[]},"scope":"ONLY state-law construction of2040(3)/2041(B) for a later debt settled without its own creditor payment, plus2040(6)/2041(A) independent-account charge treatment and2014/2016 cancellation of actual-cost reimbursements. Seek actual SCC formal interpretations/controlling court passages with later history. Keep federal conditions attributed; no repeat statute overview, old examples or assumed approved charges.","pending_corrections":0},"markdown":"# S_VA PASS-02 — Virginia narrow construction follow-up\n\n**Research scope:** only the three unresolved state-law issues carried forward from PASS-01:\n\n1. Whether §§ 6.2-2040(3) and 6.2-2041(B) permit a Virginia settlement licensee, after the first qualifying debt has met § 2040(3), to charge a fee attributable to a **later debt that has been settled but has not itself received a consumer payment**.\n2. Whether §§ 6.2-2040(6) and 6.2-2041(A)–(C) permit or restrict an **independent account administrator’s charge to the consumer**, apart from the settlement provider’s own fee.\n3. Whether the short-window cancellation refunds required by § 6.2-2014(1)(v) include the two **actual-cost reimbursements** permitted by § 6.2-2016.\n\n**Baseline supplied:** October 22, 2026 Pacific.\n**Actual research/access date:** October 24, 2026 Pacific.\n\n## Bottom line\n\nThis pass **did not locate a controlling Virginia appellate holding, SCC adjudicatory order, or published SCC formal interpretation that definitively resolves any of the three edge questions**. The remaining holds therefore should **not** be converted into categorical permissions.\n\nThe evidence did materially narrow them:\n\n- **Later-debt timing:** the best reading of the statutory structure is still that § 6.2-2040(3) supplies an initial program-level condition using “at least one debt,” while § 6.2-2041(B) allocates principal-method fees by the **individual settled debt**. But Virginia has not supplied, in the primary authorities located here, the missing sentence saying that a later settled debt may be charged before that debt receives its own creditor payment. Because the federal TSR independently uses a per-debt payment trigger where applicable, no operational permission should be inferred from the Virginia ambiguity alone. **Hold remains.**\n- **Independent account charge:** § 6.2-2041(C) bars a licensee from charging or receiving “any other fee or compensation from a consumer for providing debt settlement services,” while § 6.2-2040(6) expressly contemplates a genuinely independent account administrator and forbids referral compensation between that administrator and the settlement provider. Those provisions show that an independent administrator can exist, but **they do not expressly authorize a separate consumer account fee**. Nor did the final SCC regulation or materials located here supply such authorization. **Hold narrows to the legal character of a truly independent administrator’s own charge.**\n- **DMP reimbursement cancellation:** § 6.2-2014(1)(v) requires refund of “all fees paid” in the first five days, or “all fees paid less the set-up fee” after day five but before day 31. Section 6.2-2016 separately labels the two permitted additional amounts as **“reimbursement”** of actual costs. The original 2004 enactment used the same structural distinction. That gives a real textual basis for treating reimbursements differently from “fees,” but no controlling source located here resolves whether the cancellation phrase nevertheless reaches those reimbursements. **Hold remains; a licensee should not assume nonrefundability from terminology alone.**\n\nThe detailed evidence follows.\n\n# A. Substantive findings\n\n## 1. Later debt settled without its own creditor payment\n\n### What Virginia actually says\n\nSection 6.2-2040(3) provides that a settlement licensee may not request or receive compensation until:\n\n- it has altered **“at least one debt,”** and\n- the consumer has made **“at least one payment to a creditor”** following the alteration of **“at least one debt”** owed to that creditor. [Virginia Law+1](https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2040/?utm_source=chatgpt.com)\n\nSection 6.2-2041(B), however, changes focus when multiple debts are enrolled. Under the 20%-of-principal method, the licensee may collect only the proportion of the total permissible fee corresponding to the **“individual settled debt.”** [Virginia Law+1](https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2041/?utm_source=chatgpt.com)\n\nThe annual-reporting rule likewise separately asks for the **number of settled debts** and for aggregate fees charged and received under § 6.2-2041. That operational reporting structure is consistent with debt-by-debt settlement accounting, but it does not answer when the fee for each debt becomes collectible. [Virginia Register+1](https://register.dls.virginia.gov/details.aspx?id=9772)\n\n### What the SCC rulemaking does—and does not—resolve\n\nThe final 2021 SCC rulemaking was read directly. The order says comments were filed by four organizations, the Bureau filed a “Response to Comments” on October 1, 2021, and the Commission adopted modified rules effective December 15, 2021. The published final order discusses affiliate treatment, fidelity coverage, outside-originator agreements, reporting, and other implementation matters. It does **not** publish an interpretation resolving whether § 2040(3)’s first successful creditor payment unlocks fees on later settled-but-unpaid debts. [Virginia Register](https://register.dls.virginia.gov/details.aspx?id=9959)\n\nThe final regulation also does not add a later-debt timing rule. Its outside-originator provision requires aggregate fees to comply with § 6.2-2041, but it does not redefine § 2040(3)’s payment trigger. [Virginia Law](https://law.lis.virginia.gov/admincode/title10/agency5/chapter230/section50/?utm_source=chatgpt.com)\n\n### Legislative-history signal\n\nThe SCC’s fiscal-impact statement for HB 1553 summarized the bill as prohibiting acceptance of a fee “prior to providing the consumers’ requested debt settlement services.” That is useful contemporaneous agency description, but it is **not operative statutory text and does not resolve a multi-debt sequence**. [Legislative Information System](https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+oth+HB1553FER171+PDF=&utm_source=chatgpt.com)\n\nThe enacted 2020 law contains the same “at least one debt” language now codified, and § 2041(B)’s separate allocation to an “individual settled debt.” [Legislative Information System](https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+ful+CHAP0785+pdf=&utm_source=chatgpt.com)\n\n### Current conclusion\n\n**S_VA-P2-C001 — HELD, narrowed.**\n\nVirginia’s text clearly establishes an initial no-fee condition before any compensation can be requested or received. It clearly ties the principal-method allocation to each settled debt. What remains missing is controlling Virginia authority joining those provisions and answering this exact sequence:\n\nDebt A has been altered and received a qualifying consumer payment. Debt B is later settled, but the consumer has not yet made any payment to B’s creditor. May the licensee immediately collect B’s allocated Virginia fee?\n\nNo primary source located in this pass says yes. None located says no.\n\nAccordingly:\n\n- **Do not promote PASS-01 C047 into permission.**\n- For a covered telemarketing transaction, the separate federal per-debt payment condition remains independently applicable and should continue to control timing where stricter. This pass does not repeat that federal rule.\n- For a state-only transaction outside the TSR, the Virginia-only later-debt question remains unresolved.\n\n**Confidence:** High that the ambiguity exists; low that either operational answer can presently be asserted as settled Virginia law.\n\n## 2. Independent account administrator charges\n\n### Virginia expressly contemplates an independent account administrator\n\nSection 6.2-2040(6) says a settlement provider may request that a consumer open an account if, among other things:\n\n- the consumer owns the funds,\n- the account administrator is not owned, controlled, or affiliated with the settlement provider,\n- and the account administrator does not give or accept compensation in exchange for referrals involving the provider. [Virginia Law+1](https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2040/?utm_source=chatgpt.com)\n\nThat is meaningful. Virginia did not draft the account mechanism as though the settlement provider itself were the administrator.\n\n### But § 2041 does not supply a separate account-fee authorization\n\nSection 6.2-2041(A) authorizes the settlement licensee’s two alternative fee structures. Subsection C then provides that a licensee may not charge or receive any other consumer fee or compensation **for providing debt settlement services**. [Virginia Law+1](https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2041/?utm_source=chatgpt.com)\n\nThe final SCC rule adds a particularly relevant principle: when some other person sets up or establishes the settlement agreement, the **total fees charged to the consumer in connection with the debt settlement services**, including enrollment/setup fees, cannot exceed § 2041’s limits. [Virginia Law+1](https://law.lis.virginia.gov/admincode/title10/agency5/chapter230/section50/?utm_source=chatgpt.com)\n\nThat rule shows the SCC is willing to look beyond the licensee’s invoice where another person charges a fee **in connection with the settlement service**.\n\nBut the rule does not expressly mention bank/account-administration fees.\n\n### The account provision itself regulates compensation—but only referral compensation expressly\n\nSection 2040(6)(d) prohibits the administrator from giving or accepting money or compensation **in exchange for referrals** involving the settlement provider. It does not say “the administrator may charge the consumer X,” nor does it say “the administrator may not charge the consumer.” [Virginia Law](https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2040/?utm_source=chatgpt.com)\n\nSubsection (6)(e) addresses withdrawal and says the consumer receives the account funds except the settlement provider’s earned fee, subject to § 2041. Again, it does not expressly identify an administrator charge as a permitted deduction. [Virginia Law+1](https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2040/?utm_source=chatgpt.com)\n\n### Rulemaking search result\n\nI specifically searched the published proposed and final 10VAC5-230 rulemaking for “account administrator,” independent account fees, referral compensation, and related fee language. The published final rule and order contain no express administrator-fee authorization located in that material. The final changes were directed elsewhere. [Virginia Register+1](https://register.dls.virginia.gov/details.aspx?id=9959)\n\n### Current conclusion\n\n**S_VA-P2-C002 — PARTIAL / HELD.**\n\nThe following propositions are now defensible:\n\n1. A qualifying independent administrator is contemplated by § 2040(6).  \n2. The administrator cannot be affiliated with the settlement provider or participate in referral compensation prohibited by § 2040(6)(d).  \n3. A settlement provider itself cannot re-label a prohibited extra settlement charge as an “account fee” to escape § 2041(C).  \n4. A third party’s fee may fall inside the SCC’s aggregate-fee principle if, in substance, it is a charge for enrollment, setup, establishment, or otherwise part of providing the settlement service. [Virginia Law](https://law.lis.virginia.gov/admincode/title10/agency5/chapter230/section50/?utm_source=chatgpt.com)\n5. **What remains unresolved is whether a genuinely independent financial institution/account administrator may impose its own ordinary account-maintenance or transaction charge directly on the consumer, outside the settlement-services fee cap, and under what conditions.**\n\nNo Virginia authority located here authorizes a hypothetical account fee amount, so none is supplied.\n\nA strong compliance posture is therefore:\n\nDo not characterize an independent account charge as Virginia-approved unless its legal basis can be independently established from the administrator’s applicable banking/account law and the charge is not compensation to or for the settlement provider, not referral consideration, and not a disguised settlement-service charge.\n\nThat is a boundary conclusion, not a finding that such a fee is lawful.\n\n## 3. Cancellation refunds and § 6.2-2016 actual-cost reimbursements\n\n### The cancellation text\n\nSection 6.2-2014(1)(v) requires a DMP agreement to say that, upon termination:\n\n- the consumer receives all funds not disbursed to creditors; and\n- if termination occurs within five days, the consumer receives **“all fees paid”**;\n- if termination occurs more than five but fewer than 31 days after execution, the consumer receives **“all fees paid less the set-up fee.”** [Virginia Law+1](https://law.lis.virginia.gov/vacodefull/title6.2/chapter20/)\n\n### The permitted additional charges use different terminology\n\nSection 6.2-2016 says no other amount may be charged or recovered with respect to a DMP except, after advance disclosure and permission, **“reimbursement”** for:\n\n1. actual cost of one credit report and related information; and\n2. actual bank charges for automatic account debiting for debt repayment. [Virginia Law+1](https://law.lis.virginia.gov/vacodefull/title6.2/chapter20/)\n\nThe statute therefore distinguishes:\n\n- § 2015 **“fees and contributions,”**\n- § 2016 **“reimbursement,”**\n- § 2014 cancellation refund of **“all fees paid.”**\n\n### The distinction is original, not a recodification accident\n\nThe 2004 enactment creating the modern DMP framework used essentially the same architecture. It separately created “Fees and contributions” and then allowed specified “reimbursement” under the “Additional charges” section. [Legislative Information System](https://legacylis.virginia.gov/cgi-bin/legp604.exe?041+ful+CHAP0790+pdf=&utm_source=chatgpt.com)\n\nAn even earlier 2000 Virginia debt-counseling enactment similarly described the credit-report and bank-debit amounts as sums for which the agency could be **reimbursed**, distinct from its monthly fee. [Legislative Information System](https://legacylis.virginia.gov/cgi-bin/legp604.exe?001+ful+CHAP0509+pdf=&utm_source=chatgpt.com)\n\nThat historical consistency makes the terminological distinction more significant than if “reimbursement” first appeared accidentally during recodification.\n\n### But the missing legal step remains missing\n\nThe problem is that § 2014(1)(v) does not expressly say:\n\n- “fees and reimbursements,” nor\n- “all amounts paid,” nor\n- “fees under § 2015 only.”\n\nNo SCC regulation located in this pass defines the term “fees paid” for this cancellation provision to include or exclude § 2016 reimbursements.\n\nNo controlling Virginia judicial passage located in the searches performed here decides it.\n\n### Practical distinctions within the unresolved issue\n\nTwo fact patterns should not automatically be treated the same:\n\n**A. Actual cost already irreversibly incurred before cancellation.**\nExample: with advance permission, the agency actually purchased the one permitted credit report before the consumer terminated.\n\n**B. Amount collected in anticipation of a cost never incurred.**\nExample: the agency collected $10 for a credit report but never purchased one before cancellation.\n\nFor B, § 2016 itself authorizes only **reimbursement for actual cost**. If no actual cost exists, the statutory premise for retaining the amount disappears; no separate cancellation interpretation is needed to establish that point. [Virginia Law](https://law.lis.virginia.gov/vacodefull/title6.2/chapter20/)\n\nFor A, the narrower question remains: despite being an actual-cost reimbursement authorized by § 2016, is it included within § 2014(1)(v)’s “all fees paid” refund mandate?\n\nThis pass found no controlling answer.\n\n### Current conclusion\n\n**S_VA-P2-C003 — HELD, materially narrowed.**\n\n- An unincurred or excess “reimbursement” is not justified under § 2016’s actual-cost wording.\n- An actually incurred, disclosed, advance-authorized § 2016 reimbursement is textually distinct from the “fees” named in § 2015.\n- But that distinction alone is insufficient to assert that the amount is nonrefundable during § 2014’s cancellation windows.\n- No hypothetical retained reimbursement should therefore be presented as affirmatively lawful under current verified Virginia authority.\n\n# B. PASS-02 source register\n\n| Source ID | Primary source / issuer | Direct literal URL | Exact passage/status read | Actual access and limitation |\n| --- | --- | --- | --- | --- |\n| **S_VA-P2-S001** | Code of Virginia § 6.2-2040, Virginia General Assembly | [https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2040/](https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2040/?utm_source=chatgpt.com) | Subds. 3 and 6; current codified text displayed Sept. 11, 2026 by retrieved page. | **Read 2026-10-24.** Operative statute. Does not itself resolve later-debt sequence or independent administrator charge. [Virginia Law](https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2040/?utm_source=chatgpt.com) |\n| **S_VA-P2-S002** | Code of Virginia § 6.2-2041, Virginia General Assembly | [https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2041/](https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2041/?utm_source=chatgpt.com) | Subs. A–C; current codified text. | **Read 2026-10-24.** Operative statute. No published construction supplied on the three edge issues. [Virginia Law+1](https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2041/?utm_source=chatgpt.com) |\n| **S_VA-P2-S003** | Code of Virginia, full Chapter 20.1 | [https://law.lis.virginia.gov/vacodefull/title6.2/chapter20.1/](https://law.lis.virginia.gov/vacodefull/title6.2/chapter20.1/?utm_source=chatgpt.com) | §§ 2039–2041 relevant context. | **Read 2026-10-24.** Current codification; used to confirm provisions in chapter context. [Virginia Law](https://law.lis.virginia.gov/vacodefull/title6.2/chapter20.1/?utm_source=chatgpt.com) |\n| **S_VA-P2-S004** | 10VAC5-230-50, SCC / Virginia Administrative Code | [https://law.lis.virginia.gov/admincode/title10/agency5/chapter230/section50/](https://law.lis.virginia.gov/admincode/title10/agency5/chapter230/section50/?utm_source=chatgpt.com) | Subsection B: total fees charged “in connection with” settlement services, including third-party enrollment/setup/establishment charges, must remain within § 2041. | **Read 2026-10-24.** Current operative regulation. Does not expressly classify independent bank/account-administration charges. [Virginia Law](https://law.lis.virginia.gov/admincode/title10/agency5/chapter230/section50/?utm_source=chatgpt.com) |\n| **S_VA-P2-S005** | Final 10VAC5-230 rulemaking, SCC, Case BFI-2021-00010 | [https://register.dls.virginia.gov/details.aspx?id=9959](https://register.dls.virginia.gov/details.aspx?id=9959&utm_source=chatgpt.com) | Final order Nov. 18, 2021; effective Dec. 15, 2021; lines 74–90 and final regulatory changes. | **Read 2026-10-24.** Final order. Published text reports a Bureau Response to Comments but does not reproduce a construction of the three assigned issues. [Virginia Register](https://register.dls.virginia.gov/details.aspx?id=9959) |\n| **S_VA-P2-S006** | Proposed 10VAC5-230 rulemaking, SCC | [https://register.dls.virginia.gov/details.aspx?id=9772](https://register.dls.virginia.gov/details.aspx?id=9772&utm_source=chatgpt.com) | Proposed order and proposed reporting/fee-related provisions, Aug. 16, 2021 publication. | **Read 2026-10-24. Proposed/historical, not operative.** Used only to compare what the final rule did and did not address. [Virginia Register](https://register.dls.virginia.gov/details.aspx?id=9772) |\n| **S_VA-P2-S007** | 2020 Acts ch. 785, Virginia General Assembly | [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 §§ 2040(3), 2040(6), 2041(A)–(C), pp. 5–6 of retrieved enactment. | **Read 2026-10-24. Enacted historical source; effective July 1, 2021.** Confirms disputed wording originated in enactment. [Legislative Information System](https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+ful+CHAP0785+pdf=&utm_source=chatgpt.com) |\n| **S_VA-P2-S008** | SCC Fiscal Impact Statement, HB 1553 | [https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+oth+HB1553FER171+PDF=](https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+oth+HB1553FER171+PDF&utm_source=chatgpt.com) | Summary characterizing prohibition on accepting fees before requested settlement services are provided. | **Read 2026-10-24. Historical agency fiscal description, not controlling construction.** [Legislative Information System](https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+oth+HB1553FER171+PDF=&utm_source=chatgpt.com) |\n| **S_VA-P2-S009** | SCC Annual Report form CCB11006 | [https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/periodic-reporting/ccb11006.pdf](https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/periodic-reporting/ccb11006.pdf?utm_source=chatgpt.com) | Items 11–15: settled debts, settled principal, satisfaction amounts, § 2041 fees charged/received. | **Read 2026-10-24. Agency reporting procedure, not substantive permission.** [Virginia SCC](https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/periodic-reporting/ccb11006.pdf?utm_source=chatgpt.com) |\n| **S_VA-P2-S010** | Code of Virginia §§ 6.2-2014–2016, Virginia General Assembly | [https://law.lis.virginia.gov/vacodefull/title6.2/chapter20/](https://law.lis.virginia.gov/vacodefull/title6.2/chapter20/?utm_source=chatgpt.com) | § 2014(1)(v), § 2015, § 2016, lines 203, 230–237 in retrieved page. | **Read 2026-10-24. Operative law.** Distinguishes “fees” from permitted “reimbursement” but does not resolve refund characterization. [Virginia Law+1](https://law.lis.virginia.gov/vacodefull/title6.2/chapter20/) |\n| **S_VA-P2-S011** | Code of Virginia § 6.2-2014 | [https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2014/](https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2014/?utm_source=chatgpt.com) | Cancellation/refund language in subd. 1(v). | **Read 2026-10-24. Operative statute.** [Virginia Law](https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2014/?utm_source=chatgpt.com) |\n| **S_VA-P2-S012** | 2004 Acts ch. 790, Virginia General Assembly | [https://legacylis.virginia.gov/cgi-bin/legp604.exe?041+ful+CHAP0790+pdf=](https://legacylis.virginia.gov/cgi-bin/legp604.exe?041+ful+CHAP0790+pdf&utm_source=chatgpt.com) | Retrieved search passage showing original §§ 6.1-363.17 and -.18 use “fees and contributions” versus “reimbursement.” | **Partially read 2026-10-24.** Search retrieval produced substantive enacted text, but a subsequent direct open failed with Unicode decoding error. Used only for the exact retrieved enactment passage; no unseen page claimed. [Legislative Information System](https://legacylis.virginia.gov/cgi-bin/legp604.exe?041+ful+CHAP0790+pdf=&utm_source=chatgpt.com) |\n| **S_VA-P2-S013** | 2000 Acts ch. 509, Virginia General Assembly | [https://legacylis.virginia.gov/cgi-bin/legp604.exe?001+ful+CHAP0509+pdf=](https://legacylis.virginia.gov/cgi-bin/legp604.exe?001+ful+CHAP0509+pdf&utm_source=chatgpt.com) | Prior law distinguished monthly fee from reimbursement for credit report/bank debit costs. | **Read 2026-10-24. Historical predecessor only.** Supports terminology history, not current refund outcome. [Legislative Information System](https://legacylis.virginia.gov/cgi-bin/legp604.exe?001+ful+CHAP0509+pdf=&utm_source=chatgpt.com) |\n| **S_VA-P2-S014** | SCC Bureau Summary of Operations 2024 | [https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/reports-amp-publications/sum2024.pdf](https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/reports-amp-publications/sum2024.pdf?utm_source=chatgpt.com) | Consolidated settled-debt and § 2041 fee reporting. | **Read 2026-10-24. Historical aggregate operating data, not interpretation.** [Virginia SCC](https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/reports-amp-publications/sum2024.pdf?utm_source=chatgpt.com) |\n\n# C. PASS-02 material claim register\n\n| Claim ID | Precise assertion | Sources / pinpoint | Conditions / confidence |\n| --- | --- | --- | --- |\n| **S_VA-P2-C001** | § 2040(3) uses an “at least one debt” initial alteration/payment formulation, while § 2041(B) separately allocates principal-method fees to the individual settled debt; no primary Virginia authority located in this pass resolves fee collection on a later settled-but-unpaid debt. | S001 subd. 3; S002(B); S005; S007 | **High** as to text and absence from materials actually located; **held** as to operational result. |\n| **S_VA-P2-C002** | A genuine independent account administrator is contemplated and must be unaffiliated and free of referral compensation involving the settlement provider. | S001 subd. 6(a)–(d) | **High.** Does not itself authorize administrator charges. |\n| **S_VA-P2-C003** | The settlement licensee may not charge or receive an additional consumer fee for settlement services beyond § 2041, and SCC regulation aggregates certain third-party enrollment/setup/establishment fees into that limitation. | S002(C); S004(B) | **High.** A genuinely independent ordinary account-service charge is still unclassified. |\n| **S_VA-P2-C004** | No statute, final SCC regulation, or published final-order passage located here expressly authorizes an independent account administrator to impose a separate consumer account-maintenance fee outside § 2041. | S001–S006 | **High** as a research result, not proof no authority exists anywhere. Permission remains **held**. |\n| **S_VA-P2-C005** | § 2014(1)(v) refunds “all fees paid” during the first cancellation period and “all fees paid less the set-up fee” during the second. | S010; S011 | **High.** |\n| **S_VA-P2-C006** | § 2016 describes its two exceptions as reimbursement of actual cost, not as setup/maintenance fees. | S010 § 2016 | **High.** |\n| **S_VA-P2-C007** | The fee-versus-reimbursement terminology predates recodification and appears in the original 2004 framework and earlier Virginia debt-counseling law. | S012; S013 | **High** as historical text; interpretation consequence remains limited. |\n| **S_VA-P2-C008** | If the § 2016 cost was never actually incurred, retaining a purported reimbursement lacks the statutory “actual cost/actual bank charges” basis regardless of the unresolved cancellation characterization. | S010 § 2016 | **High** on stated facts. |\n| **S_VA-P2-C009** | No controlling primary authority located here resolves whether a properly incurred § 2016 reimbursement is included in § 2014(1)(v)’s “all fees paid.” | S005; S010–S013 plus targeted searches | **Held.** Do not assert refundability or nonrefundability as settled law. |\n| **S_VA-P2-C010** | SCC reporting practice distinguishes settled-debt counts from aggregate § 2041 fee amounts but does not establish the payment trigger for each later debt. | S009; S014 | **High. Procedural evidence only.** |\n| **S_VA-P2-C011** | The 2021 final SCC order identifies a Bureau Response to Comments, but the published final-order text does not reproduce a resolution of these three questions. | S005 lines 77–90 | **High.** The underlying response itself remains a narrowed dependency. |\n\n# D. Original PASS-01 claim patch map\n\n| Original claim | PASS-02 disposition | Patch |\n| --- | --- | --- |\n| **S_VA-P1-C021** — additional settlement fees prohibited; independent bank/account charge unresolved | **Retain; narrow.** | Add: 10VAC5-230-50(B) shows SCC aggregation of fees charged by another person for enrollment/setup/establishment of the settlement agreement. A truly independent account administrator’s own ordinary account charge remains unresolved and is not affirmatively authorized by § 2040(6). See **P2-C002–C004**. |\n| **S_VA-P1-C023** — only actual-cost credit-report/bank-debit reimbursements permitted under DMP | **Retain.** | Add: if the cost is not actually incurred, the charge lacks § 2016’s reimbursement basis. See **P2-C006, C008**. |\n| **S_VA-P1-C024** — cancellation refunds; reimbursement characterization open | **Retain; sharpen hold.** | § 2014 says “fees,” while § 2016 consistently says “reimbursement”; historical enactments preserve that distinction. No controlling construction found deciding whether incurred § 2016 reimbursements fall within “all fees paid.” See **P2-C005–C009**. |\n| **S_VA-P1-C027** — initial settlement fee timing | **Retain unchanged.** | PASS-02 does not disturb the initial program-level no-fee condition. |\n| **S_VA-P1-C044** — other fee-base issues unresolved | **No change.** | Those subjects were outside PASS-02. |\n| **S_VA-P1-C045** — independent account charges / DMP reimbursement refunds unresolved | **Replace with narrower formulation.** | Independent administrator existence is statutory; settlement-service charges routed through another person can fall under § 2041 aggregate limits. Ordinary independent account charges still lack verified Virginia authorization. Actual-cost reimbursements remain unresolved under cancellation wording. See **P2-C002–C009**. |\n| **S_VA-P1-C047** — later settled-but-unpaid debt unresolved | **Retain.** | PASS-02 found no controlling construction. Statutory structure narrows issue but does not justify permission. See **P2-C001, C010–C011**. |\n\n# E. Failed-route and dependency table\n\n## Failed or incomplete routes\n\n| Route | Actual result | Evidentiary effect |\n| --- | --- | --- |\n| Direct reopening of official 2004 Acts ch. 790 after substantive search retrieval | Returned **400 Unicode decoding error** on direct open. (Website Name Missing) | The exact text already returned by the official search result was usable; no additional unseen page content was claimed. |\n| Exact-domain searches of Virginia appellate-opinion sources for §§ 6.2-2040, 2041, 2014, 2016 | No responsive controlling merits opinion surfaced in the returned results. | Does **not** prove absence of case law; supports maintaining the hold rather than inventing a construction. |\n| SCC case-information searches for the exact four sections | No adjudicatory decision resolving the questions surfaced in the returned results. | Same limitation. |\n| Published Register search for independent account-administrator fees | No responsive result beyond the 2021 Chapter 230 rulemaking. | No separate fee permission established. |\n\n## Exact remaining dependencies\n\n| Issue | Missing evidence needed to close it | Next primary-source action |\n| --- | --- | --- |\n| Later debt settled, no payment to that debt | Controlling Virginia appellate decision, SCC adjudicatory order, or authoritative Bureau/Commission interpretation applying §§ 2040(3) and 2041(B) to that exact sequence | Retrieve the **October 1, 2021 Bureau Response to Comments** from Case BFI-2021-00010 if publicly accessible through a different ordinary SCC document route; search later SCC enforcement orders and Virginia appellate dockets citing both sections. |\n| Independent account fee | SCC/court authority addressing whether an unaffiliated administrator may directly charge the consumer and whether that charge is “in connection with” settlement services for § 2041 purposes | Search SCC examination/enforcement orders, published Bureau guidance/newsletters, and any adjudicated account-provider arrangement; separately identify the administrator’s own regulatory basis if a concrete model is later tested. |\n| Refund of incurred § 2016 reimbursement | Court/SCC construction of “all fees paid” in § 2014(1)(v) relative to § 2016 reimbursement | Retrieve any historical SCC interpretive material from the 2004 DMP implementation and enforcement decisions construing former §§ 6.1-363.16/.18 or current §§ 2014/2016. |\n\nThese are **dependencies**, not recommendations to contact an agency.\n\n# F. Granular scope coverage\n\n| Assigned PASS-02 item | Status | Claim IDs | Exact unresolved point |\n| --- | --- | --- | --- |\n| § 2040(3) initial trigger wording | **Answered** | P2-C001 | None as to the text itself. |\n| § 2041(B) individual settled-debt allocation | **Answered** | P2-C001 | None as to the allocation rule itself. |\n| Later settled debt without its own creditor payment | **Unresolved after targeted investigation** | P2-C001, C010, C011 | Whether first successful debt unlocks that later debt’s Virginia fee in a state-only case. |\n| Independent administrator existence/independence conditions | **Answered** | P2-C002 | None as to stated statutory independence conditions. |\n| Provider disguising extra settlement fee as account fee | **Answered at principle level** | P2-C003 | Fact classification can still matter. |\n| Separate unaffiliated administrator charge | **Unresolved** | P2-C004 | Whether and when such charge falls outside § 2041. |\n| § 2014 cancellation wording | **Answered** | P2-C005 | None as to quoted refund categories. |\n| § 2016 reimbursement classification | **Answered textually** | P2-C006–C008 | Unincurred amounts are not actual-cost reimbursement. |\n| Refund of actually incurred § 2016 reimbursement | **Unresolved** | P2-C007, C009 | Whether “all fees paid” includes such reimbursement. |\n| Federal timing conditions | **Not rerun** | — | Prior federal baseline remains separately attributed where applicable. |\n| Other Virginia provider-access/fees topics | **Excluded by instruction** | — | PASS-01 remains controlling subject to this patch. |\n| Agreement/funds/bond/remedies, collection/litigation/limitations/exemptions/secured/sector/local/tribal/contract/full case law | **Open** | — | Later passes required. |\n| Full Virginia dossier / A066 acceptance | **Open** | — | No acceptance or completion implied. |\n\n# G. No new worked fee example\n\nNo new numerical fee example is appropriate in this pass.\n\nAll three assigned questions are **construction questions**, and the missing authority goes to whether a charge may be taken or retained at all. Creating a dollar example for a later unpaid debt, an independent account fee, or a retained reimbursement would risk converting unresolved legal permission into an implied lawful scenario.\n\n# H. Researcher self-check\n\nI actually read the current Virginia statutory passages for §§ 6.2-2040, 2041, 2014–2016; the operative SCC Chapter 230 provision; the 2021 proposed and final Chapter 230 rulemaking; the original 2020 settlement enactment; the SCC fiscal-impact statement; the current settlement annual-report form; and the retrieved 2004/2000 enactment language relevant to the reimbursement terminology. [Virginia Law+5](https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2040/?utm_source=chatgpt.com)\n\nI did **not** obtain the underlying October 1, 2021 Bureau Response to Comments as a separately readable primary document. The final SCC order confirms that the Response existed and informed amendments, but its contents cannot be reconstructed from that statement. [Virginia Register](https://register.dls.virginia.gov/details.aspx?id=9959)\n\nTargeted searches did not surface a controlling Virginia court decision or SCC adjudicatory order resolving the three assigned issues. That is reported as a search result and evidence gap, **not** as a claim that no such authority exists.\n\nThe coordinator-supplied PASS-01 review references were treated only as provenance. I did not claim access to those files or characterize this as independent review.\n\nNo browser-permission request, Chrome control, additional chat, Deep Research, Work, Codex, API, purchase, contact, account change, private borrower data, site modification, publication, or local-save claim was used or made.\n\n**PASS-02 result:** the three original holds were materially narrowed, but none should be converted into affirmative legal permission on the present verified evidence.\n\n**END S_VA PASS-02.**\n\n","tables":[{"headers":["Source ID","Primary source / issuer","Direct literal URL","Exact passage/status read","Actual access and limitation"],"index":0,"links":[{"href":"https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2040/?utm_source=chatgpt.com","text":"https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2040/"},{"href":"https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2040/?utm_source=chatgpt.com","text":"Virginia 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System"}],[{"href":"https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/reports-amp-publications/sum2024.pdf?utm_source=chatgpt.com","text":"https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/reports-amp-publications/sum2024.pdf"},{"href":"https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/reports-amp-publications/sum2024.pdf?utm_source=chatgpt.com","text":"Virginia SCC"}]],"rows":[["Source ID","Primary source / issuer","Direct literal URL","Exact passage/status read","Actual access and limitation"],["S_VA-P2-S001","Code of Virginia § 6.2-2040, Virginia General Assembly","https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2040/","Subds. 3 and 6; current codified text displayed Sept. 11, 2026 by retrieved page.","Read 2026-10-24. Operative statute. Does not itself resolve later-debt sequence or independent administrator charge. \nVirginia Law"],["S_VA-P2-S002","Code of Virginia § 6.2-2041, Virginia General Assembly","https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2041/","Subs. A–C; current codified text.","Read 2026-10-24. Operative statute. No published construction supplied on the three edge issues. \nVirginia Law\n+1"],["S_VA-P2-S003","Code of Virginia, full Chapter 20.1","https://law.lis.virginia.gov/vacodefull/title6.2/chapter20.1/","§§ 2039–2041 relevant context.","Read 2026-10-24. Current codification; used to confirm provisions in chapter context. \nVirginia Law"],["S_VA-P2-S004","10VAC5-230-50, SCC / Virginia Administrative Code","https://law.lis.virginia.gov/admincode/title10/agency5/chapter230/section50/","Subsection B: total fees charged “in connection with” settlement services, including third-party enrollment/setup/establishment charges, must remain within § 2041.","Read 2026-10-24. Current operative regulation. Does not expressly classify independent bank/account-administration charges. \nVirginia Law"],["S_VA-P2-S005","Final 10VAC5-230 rulemaking, SCC, Case BFI-2021-00010","https://register.dls.virginia.gov/details.aspx?id=9959","Final order Nov. 18, 2021; effective Dec. 15, 2021; lines 74–90 and final regulatory changes.","Read 2026-10-24. Final order. Published text reports a Bureau Response to Comments but does not reproduce a construction of the three assigned issues. \nVirginia Register"],["S_VA-P2-S006","Proposed 10VAC5-230 rulemaking, SCC","https://register.dls.virginia.gov/details.aspx?id=9772","Proposed order and proposed reporting/fee-related provisions, Aug. 16, 2021 publication.","Read 2026-10-24. Proposed/historical, not operative. Used only to compare what the final rule did and did not address. \nVirginia Register"],["S_VA-P2-S007","2020 Acts ch. 785, Virginia General Assembly","https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+ful+CHAP0785+pdf=","Enacted §§ 2040(3), 2040(6), 2041(A)–(C), pp. 5–6 of retrieved enactment.","Read 2026-10-24. Enacted historical source; effective July 1, 2021. Confirms disputed wording originated in enactment. \nLegislative Information System"],["S_VA-P2-S008","SCC Fiscal Impact Statement, HB 1553","https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+oth+HB1553FER171+PDF=","Summary characterizing prohibition on accepting fees before requested settlement services are provided.","Read 2026-10-24. Historical agency fiscal description, not controlling construction. \nLegislative Information System"],["S_VA-P2-S009","SCC Annual Report form CCB11006","https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/periodic-reporting/ccb11006.pdf","Items 11–15: settled debts, settled principal, satisfaction amounts, § 2041 fees charged/received.","Read 2026-10-24. Agency reporting procedure, not substantive permission. \nVirginia SCC"],["S_VA-P2-S010","Code of Virginia §§ 6.2-2014–2016, Virginia General Assembly","https://law.lis.virginia.gov/vacodefull/title6.2/chapter20/","§ 2014(1)(v), § 2015, § 2016, lines 203, 230–237 in retrieved page.","Read 2026-10-24. Operative law. Distinguishes “fees” from permitted “reimbursement” but does not resolve refund characterization. \nVirginia Law\n+1"],["S_VA-P2-S011","Code of Virginia § 6.2-2014","https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2014/","Cancellation/refund language in subd. 1(v).","Read 2026-10-24. Operative statute. \nVirginia Law"],["S_VA-P2-S012","2004 Acts ch. 790, Virginia General Assembly","https://legacylis.virginia.gov/cgi-bin/legp604.exe?041+ful+CHAP0790+pdf=","Retrieved search passage showing original §§ 6.1-363.17 and -.18 use “fees and contributions” versus “reimbursement.”","Partially read 2026-10-24. Search retrieval produced substantive enacted text, but a subsequent direct open failed with Unicode decoding error. Used only for the exact retrieved enactment passage; no unseen page claimed. \nLegislative Information System"],["S_VA-P2-S013","2000 Acts ch. 509, Virginia General Assembly","https://legacylis.virginia.gov/cgi-bin/legp604.exe?001+ful+CHAP0509+pdf=","Prior law distinguished monthly fee from reimbursement for credit report/bank debit costs.","Read 2026-10-24. Historical predecessor only. Supports terminology history, not current refund outcome. \nLegislative Information System"],["S_VA-P2-S014","SCC Bureau Summary of Operations 2024","https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/reports-amp-publications/sum2024.pdf","Consolidated settled-debt and § 2041 fee reporting.","Read 2026-10-24. Historical aggregate operating data, not interpretation. \nVirginia SCC"]]},{"headers":["Claim ID","Precise assertion","Sources / pinpoint","Conditions / confidence"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Sources / pinpoint","Conditions / confidence"],["S_VA-P2-C001","§ 2040(3) uses an “at least one debt” initial alteration/payment formulation, while § 2041(B) separately allocates principal-method fees to the individual settled debt; no primary Virginia authority located in this pass resolves fee collection on a later settled-but-unpaid debt.","S001 subd. 3; S002(B); S005; S007","High as to text and absence from materials actually located; held as to operational result."],["S_VA-P2-C002","A genuine independent account administrator is contemplated and must be unaffiliated and free of referral compensation involving the settlement provider.","S001 subd. 6(a)–(d)","High. Does not itself authorize administrator charges."],["S_VA-P2-C003","The settlement licensee may not charge or receive an additional consumer fee for settlement services beyond § 2041, and SCC regulation aggregates certain third-party enrollment/setup/establishment fees into that limitation.","S002(C); S004(B)","High. A genuinely independent ordinary account-service charge is still unclassified."],["S_VA-P2-C004","No statute, final SCC regulation, or published final-order passage located here expressly authorizes an independent account administrator to impose a separate consumer account-maintenance fee outside § 2041.","S001–S006","High as a research result, not proof no authority exists anywhere. Permission remains held."],["S_VA-P2-C005","§ 2014(1)(v) refunds “all fees paid” during the first cancellation period and “all fees paid less the set-up fee” during the second.","S010; S011","High."],["S_VA-P2-C006","§ 2016 describes its two exceptions as reimbursement of actual cost, not as setup/maintenance fees.","S010 § 2016","High."],["S_VA-P2-C007","The fee-versus-reimbursement terminology predates recodification and appears in the original 2004 framework and earlier Virginia debt-counseling law.","S012; S013","High as historical text; interpretation consequence remains limited."],["S_VA-P2-C008","If the § 2016 cost was never actually incurred, retaining a purported reimbursement lacks the statutory “actual cost/actual bank charges” basis regardless of the unresolved cancellation characterization.","S010 § 2016","High on stated facts."],["S_VA-P2-C009","No controlling primary authority located here resolves whether a properly incurred § 2016 reimbursement is included in § 2014(1)(v)’s “all fees paid.”","S005; S010–S013 plus targeted searches","Held. Do not assert refundability or nonrefundability as settled law."],["S_VA-P2-C010","SCC reporting practice distinguishes settled-debt counts from aggregate § 2041 fee amounts but does not establish the payment trigger for each later debt.","S009; S014","High. Procedural evidence only."],["S_VA-P2-C011","The 2021 final SCC order identifies a Bureau Response to Comments, but the published final-order text does not reproduce a resolution of these three questions.","S005 lines 77–90","High. The underlying response itself remains a narrowed dependency."]]},{"headers":["Original claim","PASS-02 disposition","Patch"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Original claim","PASS-02 disposition","Patch"],["S_VA-P1-C021 — additional settlement fees prohibited; independent bank/account charge unresolved","Retain; narrow.","Add: 10VAC5-230-50(B) shows SCC aggregation of fees charged by another person for enrollment/setup/establishment of the settlement agreement. A truly independent account administrator’s own ordinary account charge remains unresolved and is not affirmatively authorized by § 2040(6). See P2-C002–C004."],["S_VA-P1-C023 — only actual-cost credit-report/bank-debit reimbursements permitted under DMP","Retain.","Add: if the cost is not actually incurred, the charge lacks § 2016’s reimbursement basis. See P2-C006, C008."],["S_VA-P1-C024 — cancellation refunds; reimbursement characterization open","Retain; sharpen hold.","§ 2014 says “fees,” while § 2016 consistently says “reimbursement”; historical enactments preserve that distinction. No controlling construction found deciding whether incurred § 2016 reimbursements fall within “all fees paid.” See P2-C005–C009."],["S_VA-P1-C027 — initial settlement fee timing","Retain unchanged.","PASS-02 does not disturb the initial program-level no-fee condition."],["S_VA-P1-C044 — other fee-base issues unresolved","No change.","Those subjects were outside PASS-02."],["S_VA-P1-C045 — independent account charges / DMP reimbursement refunds unresolved","Replace with narrower formulation.","Independent administrator existence is statutory; settlement-service charges routed through another person can fall under § 2041 aggregate limits. Ordinary independent account charges still lack verified Virginia authorization. Actual-cost reimbursements remain unresolved under cancellation wording. See P2-C002–C009."],["S_VA-P1-C047 — later settled-but-unpaid debt unresolved","Retain.","PASS-02 found no controlling construction. Statutory structure narrows issue but does not justify permission. See P2-C001, C010–C011."]]},{"headers":["Route","Actual result","Evidentiary effect"],"index":3,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Route","Actual result","Evidentiary effect"],["Direct reopening of official 2004 Acts ch. 790 after substantive search retrieval","Returned 400 Unicode decoding error on direct open. (Website Name Missing)","The exact text already returned by the official search result was usable; no additional unseen page content was claimed."],["Exact-domain searches of Virginia appellate-opinion sources for §§ 6.2-2040, 2041, 2014, 2016","No responsive controlling merits opinion surfaced in the returned results.","Does not prove absence of case law; supports maintaining the hold rather than inventing a construction."],["SCC case-information searches for the exact four sections","No adjudicatory decision resolving the questions surfaced in the returned results.","Same limitation."],["Published Register search for independent account-administrator fees","No responsive result beyond the 2021 Chapter 230 rulemaking.","No separate fee permission established."]]},{"headers":["Issue","Missing evidence needed to close it","Next primary-source action"],"index":4,"links":[],"row_links":[[],[],[],[]],"rows":[["Issue","Missing evidence needed to close it","Next primary-source action"],["Later debt settled, no payment to that debt","Controlling Virginia appellate decision, SCC adjudicatory order, or authoritative Bureau/Commission interpretation applying §§ 2040(3) and 2041(B) to that exact sequence","Retrieve the October 1, 2021 Bureau Response to Comments from Case BFI-2021-00010 if publicly accessible through a different ordinary SCC document route; search later SCC enforcement orders and Virginia appellate dockets citing both sections."],["Independent account fee","SCC/court authority addressing whether an unaffiliated administrator may directly charge the consumer and whether that charge is “in connection with” settlement services for § 2041 purposes","Search SCC examination/enforcement orders, published Bureau guidance/newsletters, and any adjudicated account-provider arrangement; separately identify the administrator’s own regulatory basis if a concrete model is later tested."],["Refund of incurred § 2016 reimbursement","Court/SCC construction of “all fees paid” in § 2014(1)(v) relative to § 2016 reimbursement","Retrieve any historical SCC interpretive material from the 2004 DMP implementation and enforcement decisions construing former §§ 6.1-363.16/.18 or current §§ 2014/2016."]]},{"headers":["Assigned PASS-02 item","Status","Claim IDs","Exact unresolved point"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Assigned PASS-02 item","Status","Claim IDs","Exact unresolved point"],["§ 2040(3) initial trigger wording","Answered","P2-C001","None as to the text itself."],["§ 2041(B) individual settled-debt allocation","Answered","P2-C001","None as to the allocation rule itself."],["Later settled debt without its own creditor payment","Unresolved after targeted investigation","P2-C001, C010, C011","Whether first successful debt unlocks that later debt’s Virginia fee in a state-only case."],["Independent administrator existence/independence conditions","Answered","P2-C002","None as to stated statutory independence conditions."],["Provider disguising extra settlement fee as account fee","Answered at principle level","P2-C003","Fact classification can still matter."],["Separate unaffiliated administrator charge","Unresolved","P2-C004","Whether and when such charge falls outside § 2041."],["§ 2014 cancellation wording","Answered","P2-C005","None as to quoted refund categories."],["§ 2016 reimbursement classification","Answered textually","P2-C006–C008","Unincurred amounts are not actual-cost reimbursement."],["Refund of actually incurred § 2016 reimbursement","Unresolved","P2-C007, C009","Whether “all fees paid” includes such reimbursement."],["Federal timing conditions","Not rerun","—","Prior federal baseline remains separately attributed where applicable."],["Other Virginia provider-access/fees topics","Excluded by instruction","—","PASS-01 remains controlling subject to this patch."],["Agreement/funds/bond/remedies, collection/litigation/limitations/exemptions/secured/sector/local/tribal/contract/full case law","Open","—","Later passes required."],["Full Virginia dossier / A066 acceptance","Open","—","No acceptance or completion implied."]]}],"claims":[{"claim_id":"S_VA-P2-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P2-C001","Precise assertion":"§ 2040(3) uses an “at least one debt” initial alteration/payment formulation, while § 2041(B) separately allocates principal-method fees to the individual settled debt; no primary Virginia authority located in this pass resolves fee collection on a later settled-but-unpaid debt.","Sources / pinpoint":"S001 subd. 3; S002(B); S005; S007","Conditions / confidence":"High as to text and absence from materials actually located; held as to operational result."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_VA-P2-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P2-C002","Precise assertion":"A genuine independent account administrator is contemplated and must be unaffiliated and free of referral compensation involving the settlement provider.","Sources / pinpoint":"S001 subd. 6(a)–(d)","Conditions / confidence":"High. Does not itself authorize administrator charges."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_VA-P2-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P2-C003","Precise assertion":"The settlement licensee may not charge or receive an additional consumer fee for settlement services beyond § 2041, and SCC regulation aggregates certain third-party enrollment/setup/establishment fees into that limitation.","Sources / pinpoint":"S002(C); S004(B)","Conditions / confidence":"High. A genuinely independent ordinary account-service charge is still unclassified."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_VA-P2-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P2-C004","Precise assertion":"No statute, final SCC regulation, or published final-order passage located here expressly authorizes an independent account administrator to impose a separate consumer account-maintenance fee outside § 2041.","Sources / pinpoint":"S001–S006","Conditions / confidence":"High as a research result, not proof no authority exists anywhere. Permission remains held."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_VA-P2-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P2-C005","Precise assertion":"§ 2014(1)(v) refunds “all fees paid” during the first cancellation period and “all fees paid less the set-up fee” during the second.","Sources / pinpoint":"S010; S011","Conditions / confidence":"High."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_VA-P2-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P2-C006","Precise assertion":"§ 2016 describes its two exceptions as reimbursement of actual cost, not as setup/maintenance fees.","Sources / pinpoint":"S010 § 2016","Conditions / confidence":"High."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_VA-P2-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P2-C007","Precise assertion":"The fee-versus-reimbursement terminology predates recodification and appears in the original 2004 framework and earlier Virginia debt-counseling law.","Sources / pinpoint":"S012; S013","Conditions / confidence":"High as historical text; interpretation consequence remains limited."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_VA-P2-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P2-C008","Precise assertion":"If the § 2016 cost was never actually incurred, retaining a purported reimbursement lacks the statutory “actual cost/actual bank charges” basis regardless of the unresolved cancellation characterization.","Sources / pinpoint":"S010 § 2016","Conditions / confidence":"High on stated facts."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_VA-P2-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P2-C009","Precise assertion":"No controlling primary authority located here resolves whether a properly incurred § 2016 reimbursement is included in § 2014(1)(v)’s “all fees paid.”","Sources / pinpoint":"S005; S010–S013 plus targeted searches","Conditions / confidence":"Held. Do not assert refundability or nonrefundability as settled law."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_VA-P2-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P2-C010","Precise assertion":"SCC reporting practice distinguishes settled-debt counts from aggregate § 2041 fee amounts but does not establish the payment trigger for each later debt.","Sources / pinpoint":"S009; S014","Conditions / confidence":"High. Procedural evidence only."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_VA-P2-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P2-C011","Precise assertion":"The 2021 final SCC order identifies a Bureau Response to Comments, but the published final-order text does not reproduce a resolution of these three questions.","Sources / pinpoint":"S005 lines 77–90","Conditions / confidence":"High. The underlying response itself remains a narrowed dependency."},"coordinator_verification_status":"not_yet_checked"}],"sources":[{"source_id":"S_VA-P2-S001","urls":["https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2040/","https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2040/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P2-S001","Primary source / issuer":"Code of Virginia § 6.2-2040, Virginia General Assembly","Direct literal URL":"https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2040/","Exact passage/status read":"Subds. 3 and 6; current codified text displayed Sept. 11, 2026 by retrieved page.","Actual access and limitation":"Read 2026-10-24. Operative statute. Does not itself resolve later-debt sequence or independent administrator charge. \nVirginia Law"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P2-S002","urls":["https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2041/","https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2041/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P2-S002","Primary source / issuer":"Code of Virginia § 6.2-2041, Virginia General Assembly","Direct literal URL":"https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2041/","Exact passage/status read":"Subs. A–C; current codified text.","Actual access and limitation":"Read 2026-10-24. Operative statute. No published construction supplied on the three edge issues. \nVirginia Law\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P2-S003","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-P2-S003","Primary source / issuer":"Code of Virginia, full Chapter 20.1","Direct literal URL":"https://law.lis.virginia.gov/vacodefull/title6.2/chapter20.1/","Exact passage/status read":"§§ 2039–2041 relevant context.","Actual access and limitation":"Read 2026-10-24. Current codification; used to confirm provisions in chapter context. \nVirginia Law"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P2-S004","urls":["https://law.lis.virginia.gov/admincode/title10/agency5/chapter230/section50/","https://law.lis.virginia.gov/admincode/title10/agency5/chapter230/section50/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P2-S004","Primary source / issuer":"10VAC5-230-50, SCC / Virginia Administrative Code","Direct literal URL":"https://law.lis.virginia.gov/admincode/title10/agency5/chapter230/section50/","Exact passage/status read":"Subsection B: total fees charged “in connection with” settlement services, including third-party enrollment/setup/establishment charges, must remain within § 2041.","Actual access and limitation":"Read 2026-10-24. Current operative regulation. Does not expressly classify independent bank/account-administration charges. \nVirginia Law"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P2-S005","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-P2-S005","Primary source / issuer":"Final 10VAC5-230 rulemaking, SCC, Case BFI-2021-00010","Direct literal URL":"https://register.dls.virginia.gov/details.aspx?id=9959","Exact passage/status read":"Final order Nov. 18, 2021; effective Dec. 15, 2021; lines 74–90 and final regulatory changes.","Actual access and limitation":"Read 2026-10-24. Final order. Published text reports a Bureau Response to Comments but does not reproduce a construction of the three assigned issues. \nVirginia Register"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P2-S006","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-P2-S006","Primary source / issuer":"Proposed 10VAC5-230 rulemaking, SCC","Direct literal URL":"https://register.dls.virginia.gov/details.aspx?id=9772","Exact passage/status read":"Proposed order and proposed reporting/fee-related provisions, Aug. 16, 2021 publication.","Actual access and limitation":"Read 2026-10-24. Proposed/historical, not operative. Used only to compare what the final rule did and did not address. \nVirginia Register"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P2-S007","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","https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+ful+CHAP0785+pdf=&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P2-S007","Primary source / issuer":"2020 Acts ch. 785, Virginia General Assembly","Direct literal URL":"https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+ful+CHAP0785+pdf=","Exact passage/status read":"Enacted §§ 2040(3), 2040(6), 2041(A)–(C), pp. 5–6 of retrieved enactment.","Actual access and limitation":"Read 2026-10-24. Enacted historical source; effective July 1, 2021. Confirms disputed wording originated in enactment. \nLegislative Information System"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P2-S008","urls":["https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+oth+HB1553FER171+PDF=","https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+oth+HB1553FER171+PDF&utm_source=chatgpt.com","https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+oth+HB1553FER171+PDF=&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P2-S008","Primary source / issuer":"SCC Fiscal Impact Statement, HB 1553","Direct literal URL":"https://legacylis.virginia.gov/cgi-bin/legp604.exe?201+oth+HB1553FER171+PDF=","Exact passage/status read":"Summary characterizing prohibition on accepting fees before requested settlement services are provided.","Actual access and limitation":"Read 2026-10-24. Historical agency fiscal description, not controlling construction. \nLegislative Information System"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P2-S009","urls":["https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/periodic-reporting/ccb11006.pdf","https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/periodic-reporting/ccb11006.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P2-S009","Primary source / issuer":"SCC Annual Report form CCB11006","Direct literal URL":"https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/periodic-reporting/ccb11006.pdf","Exact passage/status read":"Items 11–15: settled debts, settled principal, satisfaction amounts, § 2041 fees charged/received.","Actual access and limitation":"Read 2026-10-24. Agency reporting procedure, not substantive permission. \nVirginia SCC"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P2-S010","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-P2-S010","Primary source / issuer":"Code of Virginia §§ 6.2-2014–2016, Virginia General Assembly","Direct literal URL":"https://law.lis.virginia.gov/vacodefull/title6.2/chapter20/","Exact passage/status read":"§ 2014(1)(v), § 2015, § 2016, lines 203, 230–237 in retrieved page.","Actual access and limitation":"Read 2026-10-24. Operative law. Distinguishes “fees” from permitted “reimbursement” but does not resolve refund characterization. \nVirginia Law\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P2-S011","urls":["https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2014/","https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2014/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P2-S011","Primary source / issuer":"Code of Virginia § 6.2-2014","Direct literal URL":"https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2014/","Exact passage/status read":"Cancellation/refund language in subd. 1(v).","Actual access and limitation":"Read 2026-10-24. Operative statute. \nVirginia Law"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P2-S012","urls":["https://legacylis.virginia.gov/cgi-bin/legp604.exe?041+ful+CHAP0790+pdf=","https://legacylis.virginia.gov/cgi-bin/legp604.exe?041+ful+CHAP0790+pdf&utm_source=chatgpt.com","https://legacylis.virginia.gov/cgi-bin/legp604.exe?041+ful+CHAP0790+pdf=&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P2-S012","Primary source / issuer":"2004 Acts ch. 790, Virginia General Assembly","Direct literal URL":"https://legacylis.virginia.gov/cgi-bin/legp604.exe?041+ful+CHAP0790+pdf=","Exact passage/status read":"Retrieved search passage showing original §§ 6.1-363.17 and -.18 use “fees and contributions” versus “reimbursement.”","Actual access and limitation":"Partially read 2026-10-24. Search retrieval produced substantive enacted text, but a subsequent direct open failed with Unicode decoding error. Used only for the exact retrieved enactment passage; no unseen page claimed. \nLegislative Information System"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P2-S013","urls":["https://legacylis.virginia.gov/cgi-bin/legp604.exe?001+ful+CHAP0509+pdf=","https://legacylis.virginia.gov/cgi-bin/legp604.exe?001+ful+CHAP0509+pdf&utm_source=chatgpt.com","https://legacylis.virginia.gov/cgi-bin/legp604.exe?001+ful+CHAP0509+pdf=&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P2-S013","Primary source / issuer":"2000 Acts ch. 509, Virginia General Assembly","Direct literal URL":"https://legacylis.virginia.gov/cgi-bin/legp604.exe?001+ful+CHAP0509+pdf=","Exact passage/status read":"Prior law distinguished monthly fee from reimbursement for credit report/bank debit costs.","Actual access and limitation":"Read 2026-10-24. Historical predecessor only. Supports terminology history, not current refund outcome. \nLegislative Information System"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P2-S014","urls":["https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/reports-amp-publications/sum2024.pdf","https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/reports-amp-publications/sum2024.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_VA-P2-S014","Primary source / issuer":"SCC Bureau Summary of Operations 2024","Direct literal URL":"https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/reports-amp-publications/sum2024.pdf","Exact passage/status read":"Consolidated settled-debt and § 2041 fee reporting.","Actual access and limitation":"Read 2026-10-24. Historical aggregate operating data, not interpretation. \nVirginia SCC"},"coordinator_verification_status":"not_yet_checked"}],"coverage":[{"topic":"§ 2040(3) initial trigger wording","researcher_record":{"Assigned PASS-02 item":"§ 2040(3) initial trigger wording","Status":"Answered","Claim IDs":"P2-C001","Exact unresolved point":"None as to the text itself."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"§ 2041(B) individual settled-debt allocation","researcher_record":{"Assigned PASS-02 item":"§ 2041(B) individual settled-debt allocation","Status":"Answered","Claim IDs":"P2-C001","Exact unresolved point":"None as to the allocation rule itself."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Later settled debt without its own creditor payment","researcher_record":{"Assigned PASS-02 item":"Later settled debt without its own creditor payment","Status":"Unresolved after targeted investigation","Claim IDs":"P2-C001, C010, C011","Exact unresolved point":"Whether first successful debt unlocks that later debt’s Virginia fee in a state-only case."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Independent administrator existence/independence conditions","researcher_record":{"Assigned PASS-02 item":"Independent administrator existence/independence conditions","Status":"Answered","Claim IDs":"P2-C002","Exact unresolved point":"None as to stated statutory independence conditions."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Provider disguising extra settlement fee as account fee","researcher_record":{"Assigned PASS-02 item":"Provider disguising extra settlement fee as account fee","Status":"Answered at principle level","Claim IDs":"P2-C003","Exact unresolved point":"Fact classification can still matter."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Separate unaffiliated administrator charge","researcher_record":{"Assigned PASS-02 item":"Separate unaffiliated administrator charge","Status":"Unresolved","Claim IDs":"P2-C004","Exact unresolved point":"Whether and when such charge falls outside § 2041."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"§ 2014 cancellation wording","researcher_record":{"Assigned PASS-02 item":"§ 2014 cancellation wording","Status":"Answered","Claim IDs":"P2-C005","Exact unresolved point":"None as to quoted refund categories."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"§ 2016 reimbursement classification","researcher_record":{"Assigned PASS-02 item":"§ 2016 reimbursement classification","Status":"Answered textually","Claim IDs":"P2-C006–C008","Exact unresolved point":"Unincurred amounts are not actual-cost reimbursement."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Refund of actually incurred § 2016 reimbursement","researcher_record":{"Assigned PASS-02 item":"Refund of actually incurred § 2016 reimbursement","Status":"Unresolved","Claim IDs":"P2-C007, C009","Exact unresolved point":"Whether “all fees paid” includes such reimbursement."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Federal timing conditions","researcher_record":{"Assigned PASS-02 item":"Federal timing conditions","Status":"Not rerun","Claim IDs":"—","Exact unresolved point":"Prior federal baseline remains separately attributed where applicable."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Other Virginia provider-access/fees topics","researcher_record":{"Assigned PASS-02 item":"Other Virginia provider-access/fees topics","Status":"Excluded by instruction","Claim IDs":"—","Exact unresolved point":"PASS-01 remains controlling subject to this patch."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Agreement/funds/bond/remedies, collection/litigation/limitations/exemptions/secured/sector/local/tribal/contract/full case law","researcher_record":{"Assigned PASS-02 item":"Agreement/funds/bond/remedies, collection/litigation/limitations/exemptions/secured/sector/local/tribal/contract/full case law","Status":"Open","Claim IDs":"—","Exact unresolved point":"Later passes required."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Full Virginia dossier / A066 acceptance","researcher_record":{"Assigned PASS-02 item":"Full Virginia dossier / A066 acceptance","Status":"Open","Claim IDs":"—","Exact unresolved point":"No acceptance or completion implied."},"coordinator_acceptance":"not_yet_reviewed"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}