{"meta":{"key":"s_va--pass-04","task":"S_VA","title":"SVA Bounded correction addendum to","parent_title":"Virginia debt and debt relief law","edition":"pass-04","path":"/research/s_va--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":5,"claims":12,"sources":8,"review_status":"accepted_with_limits","review_complete":true,"sha256":"a050d36633cb61a5aef4acf47ca0c69d32c60f1e6ddb4bc3dd3e46906a32e1f8","headings":["A. Exact narrative-to-canonical-claim map","Exact identity corrections","B1. Replacement for PASS-02 narrative § 2, “Current conclusion”","Effect of the correction","B2. Replacement for PASS-02 narrative § 3, “Current conclusion”","Effect of the correction","B3. Replacement access and evidentiary qualification","Prior source not freshly reopened"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_VA/pass-04","facets":{"geography":["us","us-va"],"debt_type":[],"stage":[],"subject":[]},"scope":"Bounded narrative/claim identity,50Bpredicate and partialhistoricalsourceaccess repair only; no repeat interpretation search","pending_corrections":0},"markdown":"# S_VA PASS-04 — Bounded correction addendum to PASS-02\n\n**Actual fresh access date:** October 24, 2026, Pacific\n**Scope:** claim identity, § 50(B)’s predicate, and source-access qualifications only.\n\nThis addendum does **not** rerun the three PASS-02 interpretation searches, replace PASS-02, or treat PASS-03 as reviewed. It preserves the original **S_VA-P2-C001 through C011** identifiers and corrects only which claims support the two mislabeled narrative conclusions.\n\nThe three substantive holds remain open:\n\n1. fees for a later settled debt that has not received its own creditor payment;\n2. treatment of a genuinely independent account administrator’s ordinary charge; and\n3. refund treatment of a properly incurred § 6.2-2016 reimbursement.\n\nThe historical Medium provenance remains unchanged. Nothing here retroactively changes the model or effort provenance of PASS-02.\n\n## A. Exact narrative-to-canonical-claim map\n\n| Original PASS-02 claim | Canonical subject retained | Correct narrative use after this addendum |\n| --- | --- | --- |\n| **S_VA-P2-C001** | Section 6.2-2040(3)’s initial “at least one debt” trigger versus § 6.2-2041(B)’s individual-debt allocation; later settled-but-unpaid debt unresolved | PASS-02 narrative § 1 was correctly mapped to **C001**. No change. |\n| **S_VA-P2-C002** | Section 6.2-2040(6)’s independent account-administrator and no-referral-compensation conditions | Supports only the account administrator’s required independence and referral restrictions—not the broader account-charge conclusion. |\n| **S_VA-P2-C003** | Section 6.2-2041(C)’s bar on additional licensee settlement-service fees, plus 10VAC5-230-50(B)’s **conditional** aggregate-fee rule | Supports the broader conclusion only to the extent described in corrected replacement passage B1 below. Section 50(B) applies only when an agreement was set up or established by someone other than a credit counselor of the licensee. |\n| **S_VA-P2-C004** | No express authorization located for a genuinely independent administrator’s ordinary account-maintenance charge outside § 6.2-2041 | Carries the unresolved independent-account-charge conclusion. |\n| **S_VA-P2-C005** | Section 6.2-2014(1)(v)’s early-cancellation refund text | Supports the statutory fee-refund language. |\n| **S_VA-P2-C006** | Section 6.2-2016’s two permitted actual-cost reimbursements | Supports the current statutory distinction between permitted fees/contributions and specifically described reimbursements. |\n| **S_VA-P2-C007** | Historical use of differing fee/reimbursement terminology | Limited to the historical text actually retrieved. It does not establish that the entire 2004 enactment was read, does not supply legal construction, and does not establish current law. |\n| **S_VA-P2-C008** | An unincurred purported reimbursement lacks § 6.2-2016’s actual-cost basis | Supports only that textual inference. |\n| **S_VA-P2-C009** | Refund treatment of a properly incurred § 6.2-2016 reimbursement remains unresolved | Carries the ultimate reimbursement-refund hold. |\n| **S_VA-P2-C010** | SCC reporting materials distinguish settled-debt and aggregate-fee fields | Reporting practice only. It does not establish when a fee is earned, requested, received, or legally collectible. |\n| **S_VA-P2-C011** | The 2021 final order identifies an October 1, 2021 Bureau Response to Comments | The Response remains unread. The final order does not reproduce its full contents. |\n\n### Exact identity corrections\n\n- The PASS-02 narrative § 2 heading **“S_VA-P2-C002 — PARTIAL / HELD”** was overbroad. That discussion must be mapped across **C002, C003, and C004**.\n- The PASS-02 narrative § 3 heading **“S_VA-P2-C003 — HELD, materially narrowed”** was incorrect. That discussion must be mapped across **C005, C006, C007, C008, and C009**.\n- No original claim ID is deleted, renumbered, or silently repurposed.\n\n# B. Replacement passages\n\n## B1. Replacement for PASS-02 narrative § 2, “Current conclusion”\n\n**Corrected conclusion — S_VA-P2-C002, C003, and C004**\n\nSection 6.2-2040(6) contemplates an account administrator that is not owned, controlled by, or affiliated with the settlement provider and that does not give or accept compensation in exchange for referrals involving the provider. Those independence and referral conditions are the subject of **S_VA-P2-C002**. The statute also confirms consumer ownership of the account funds and limits the provider’s deduction on withdrawal to its own lawfully earned fee for completed services, subject to § 6.2-2041. It does not expressly authorize or prohibit every ordinary charge that a genuinely independent administrator might impose. [Virginia Law](https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2040/)\n\nSection 6.2-2041(C) independently bars a settlement licensee from charging or receiving another consumer fee or compensation for providing debt-settlement services beyond the fee authorized by that section. **S_VA-P2-C003** also incorporates 10VAC5-230-50(B), but only with its express predicate: the agreement must have been set up or established by a person other than a credit counselor of the licensee. In that circumstance, the licensee must ensure that total fees charged in connection with the debt-settlement services—including enrollment or agreement-setup fees—remain within § 6.2-2041. Section 50(B) is therefore not a universal adjudicated classification of every independent account-administration charge. [Virginia Law+1](https://law.lis.virginia.gov/admincode/title10/agency5/chapter230/section50/)\n\nSection 50(H) separately prohibits a licensee or person required to be licensed from directly or indirectly evading Chapter 20.1 or Chapter 230. That anti-evasion provision remains relevant to disguised or routed charges, but it does not by itself decide whether a particular genuinely independent account charge is compensation for debt-settlement services. [Virginia Law](https://law.lis.virginia.gov/admincode/title10/agency5/chapter230/section50/)\n\n**S_VA-P2-C004 therefore remains the operative hold:** no source read in PASS-02 or this correction expressly authorizes an ordinary independent account-maintenance or transaction fee outside § 6.2-2041, but the identified provisions also do not support a categorical statement that every genuine independent account charge is prohibited. Classification remains dependent on the actual service, payee, economic beneficiary, affiliations, referral arrangements, agreement origin, and whether the charge is in substance connected with providing debt-settlement services.\n\n### Effect of the correction\n\nThe corrected conclusion is narrower than the original narrative:\n\n- **C002:** account administrator independence and referral conditions.\n- **C003:** licensee additional-fee prohibition and the **predicate-limited** § 50(B) aggregate rule.\n- **C004:** unresolved ordinary independent account-charge classification.\n\nIt is not permissible to cite **C002 alone** for the broader hold.\n\n## B2. Replacement for PASS-02 narrative § 3, “Current conclusion”\n\n**Corrected conclusion — S_VA-P2-C005 through C009**\n\nSection 6.2-2014(1)(v) requires a DMP agreement to provide for return of all undistributed creditor-payment funds and, in the specified early-termination periods, either all fees paid or all fees paid less the setup fee. That current refund text is the subject of **S_VA-P2-C005**. [Virginia Law](https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2014/)\n\nSection 6.2-2016 separately prohibits other amounts with respect to a DMP except, following disclosure and the consumer’s advance permission, reimbursement for the actual cost of one credit report and related information and actual bank charges for automatic account debiting for debt repayment. That current actual-cost condition is the subject of **S_VA-P2-C006**. [Virginia Law](https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2016/)\n\n**S_VA-P2-C008** remains a bounded textual inference: when the identified cost was not actually incurred—or the amount collected exceeds the actual cost—the excess or unincurred amount lacks § 6.2-2016’s stated reimbursement basis. This does not require deciding whether a properly incurred reimbursement is a “fee” for cancellation-refund purposes. [Virginia Law](https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2016/)\n\n**S_VA-P2-C007** is historical terminology evidence only. PASS-02’s source S012 consisted of a partial substantive retrieval from an official search result followed by a Unicode failure on direct opening. It did not establish that the complete 2004 enactment was read. The historical excerpt therefore cannot establish complete statutory architecture, currentness, or a controlling construction of “fees” versus “reimbursement.”\n\n**S_VA-P2-C009 remains unresolved:** no source read in PASS-02 or this correction decides whether a properly incurred, disclosed, advance-authorized § 6.2-2016 reimbursement must be returned under § 6.2-2014(1)(v)’s phrase “all fees paid.” The terminology difference is evidence relevant to construction, but it is not itself a controlling holding.\n\n### Effect of the correction\n\nThe reimbursement-refund discussion must not be labeled **C003**. Its correct support is:\n\n- **C005:** current cancellation-refund text;\n- **C006:** current actual-cost reimbursement authorization;\n- **C007:** narrow historical terminology evidence only;\n- **C008:** unincurred-cost inference; and\n- **C009:** properly incurred reimbursement refund remains unresolved.\n\n## B3. Replacement access and evidentiary qualification\n\n**Corrected access qualification**\n\nPASS-02 source **S_VA-P2-S012** was not a complete read of 2004 Acts, Chapter 790. The actual access consisted of substantive text surfaced through an official-search result, followed by a Unicode decoding failure when the direct source was opened. Only the surfaced text may be attributed to that source. No unreturned section, page, clause, enactment provision, or complete-document architecture may be inferred from it.\n\nPASS-02 sources **S_VA-P2-S009** and **S_VA-P2-S014** were reporting materials, not fee-earning rules. The current CCB-11006 annual-report form separately requests totals for settled debts and fees charged and received under § 6.2-2041. Those fields establish reporting categories only; they do not decide when the fees became earned or collectible. [Virginia SCC+1](https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/periodic-reporting/ccb11006.pdf)\n\nThe previously cited public URL for S014 returned a 404 during this correction’s single fresh access attempt. No new substantive reliance is placed on that inaccessible route.\n\nThe 2021 final order states that the Bureau filed a Response to Comments on October 1, 2021 and that the Commission adopted modifications generally consistent with that Response, subject to one identified exception. The published order does not reproduce the full Response. The underlying Response therefore remains unread and cannot be used to supply an interpretation that does not appear in the order or operative regulation. [Virginia Register+1](https://register.dls.virginia.gov/details.aspx?id=9959)\n\n# C. PASS-04 fresh-source table\n\n| Source ID | Issuer / title | Direct literal URL | Exact passage freshly read | Status, actual access, and limitation |\n| --- | --- | --- | --- | --- |\n| **S_VA-P4-S001** | Virginia Administrative Code / SCC — 10VAC5-230-50 | https://law.lis.virginia.gov/admincode/title10/agency5/chapter230/section50/ | Subsection B’s agreement-origin predicate and total-fee condition; subsection H’s anti-evasion rule; historical note. | **Current operative regulation**, page dated 10/24/2026; originally effective 12/15/2021. Freshly read 10/24/2026. Section B is conditional, not universal. [Virginia Law](https://law.lis.virginia.gov/admincode/title10/agency5/chapter230/section50/) |\n| **S_VA-P4-S002** | Virginia General Assembly — Code § 6.2-2040 | https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2040/ | Subdivision 3, compensation trigger; subdivision 6(a)–(e), voluntary account, consumer ownership, administrator independence, referral restriction, withdrawal. | **Current codified statute**, page dated 10/24/2026. Freshly read 10/24/2026. Does not expressly classify an administrator’s ordinary charge. [Virginia Law](https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2040/) |\n| **S_VA-P4-S003** | Virginia General Assembly — Code § 6.2-2041 | https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2041/ | Subsections A–C, including individual-debt allocation and bar on other licensee settlement-service compensation. | **Current codified statute**, page dated 10/24/2026. Freshly read 10/24/2026. [Virginia Law](https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2041/) |\n| **S_VA-P4-S004** | Virginia General Assembly — Code § 6.2-2014 | https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2014/ | Subdivision 1(v), undistributed creditor funds and early fee-refund language. | **Current codified statute**, page dated 10/24/2026. Freshly read 10/24/2026. Does not expressly mention § 2016 reimbursements. [Virginia Law](https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2014/) |\n| **S_VA-P4-S005** | Virginia General Assembly — Code § 6.2-2016 | https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2016/ | Complete operative sentence covering prohibited additional amounts and the two advance-authorized actual-cost reimbursements. | **Current codified statute**, page dated 10/24/2026. Freshly read 10/24/2026. Does not state whether properly incurred reimbursement is included in “all fees paid.” [Virginia Law](https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2016/) |\n| **S_VA-P4-S006** | SCC / Virginia Register — Final 10VAC5-230 order, Case BFI-2021-00010 | https://register.dls.virginia.gov/details.aspx?id=9959 | Final-order status; effective date; lines identifying comments, October 1, 2021 Response, Commission treatment, and adoption. | **Historical final order**, entered 11/18/2021; regulation effective 12/15/2021. Freshly read 10/24/2026. Identifies but does not reproduce the Response. [Virginia Register+1](https://register.dls.virginia.gov/details.aspx?id=9959) |\n| **S_VA-P4-S007** | SCC Bureau of Financial Institutions — CCB-11006 annual-report form | https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/periodic-reporting/ccb11006.pdf | PDF p. 2, items 11–15: settled-debt totals and fees charged/received under § 6.2-2041. | **Agency reporting form**, Rev. 12/2025, for year ending 12/31/2025. Freshly read and visually inspected 10/24/2026. Procedural reporting evidence only. [Virginia SCC+1](https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/periodic-reporting/ccb11006.pdf) |\n| **S_VA-P4-S008** | Previously cited SCC 2024 summary route | https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/reports-amp-publications/sum2024.pdf | No passage retrieved. | **Fresh access failure:** 404 on 10/24/2026. Not used as substantive authority in this correction. |\n\n### Prior source not freshly reopened\n\n**S_VA-P2-S012 — 2004 Acts, Chapter 790**\nPrior literal URL:\n\nhttps://legacylis.virginia.gov/cgi-bin/legp604.exe?041+ful+CHAP0790+pdf=\n\nPASS-04 preserves the historical PASS-02 access record: partial substantive official-search retrieval followed by direct-open Unicode failure. It does not relabel that event as a complete document read.\n\n# D. PASS-04 material claim table\n\n| Claim ID | Corrective assertion | Sources / pinpoints | Status and confidence |\n| --- | --- | --- | --- |\n| **S_VA-P4-C001** | PASS-02 narrative § 2 must map across original C002, C003, and C004, not C002 alone. | Original PASS-02 claim table; P4-S001 to S003 | **Correction of claim identity. High.** |\n| **S_VA-P4-C002** | The aggregate-fee requirement in 10VAC5-230-50(B) applies only when the agreement was set up or established by someone other than a credit counselor of the licensee. | P4-S001, subsection B | **High. Express predicate.** [Virginia Law](https://law.lis.virginia.gov/admincode/title10/agency5/chapter230/section50/) |\n| **S_VA-P4-C003** | Section 50(B) does not itself constitute a universal adjudicated classification of every independent account-administration charge. | P4-S001(B); P4-S002(6); P4-S003(C) | **High as limiting construction of the provision’s express scope.** Ultimate account-charge classification remains held. |\n| **S_VA-P4-C004** | Section 50(H)’s anti-evasion rule remains independently relevant to disguised or routed charges but does not decide every genuine independent charge. | P4-S001(H) | **High as to rule; application fact-dependent.** [Virginia Law](https://law.lis.virginia.gov/admincode/title10/agency5/chapter230/section50/) |\n| **S_VA-P4-C005** | PASS-02 narrative § 3 must map to original C005 through C009, not C003. | P4-S004 to S005; original PASS-02 claim table | **Correction of claim identity. High.** |\n| **S_VA-P4-C006** | Section 6.2-2016 permits only the identified reimbursements after disclosure and advance permission and only for actual costs or actual bank charges. | P4-S005 | **High.** [Virginia Law](https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2016/) |\n| **S_VA-P4-C007** | If no identified cost or bank charge was actually incurred, retention cannot be justified as a § 6.2-2016 actual-cost reimbursement on those assumed facts. | P4-S005 | **High textual inference; no broader remedy conclusion.** |\n| **S_VA-P4-C008** | Current statutes do not resolve whether a properly incurred § 6.2-2016 reimbursement is included within § 6.2-2014(1)(v)’s “all fees paid.” | P4-S004 to S005 | **Unresolved. Original P2-C009 retained.** |\n| **S_VA-P4-C009** | P2-S012 established only the historical terminology appearing in the text actually surfaced; it did not establish a complete 2004 enactment read or controlling construction. | Prior P2-S012 access record | **Access qualification. High.** |\n| **S_VA-P4-C010** | SCC reporting fields for settled debts and fees charged/received do not themselves establish fee-earning or collection conditions. | P4-S007 p. 2, items 11–15; P4-S002 to S003 for substantive law | **High. Reporting evidence only.** [Virginia SCC+1](https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/periodic-reporting/ccb11006.pdf) |\n| **S_VA-P4-C011** | The final order identifies the October 1, 2021 Bureau Response but does not reproduce it; the underlying Response remains unread. | P4-S006, order paragraphs concerning the Response and adoption | **High.** [Virginia Register+1](https://register.dls.virginia.gov/details.aspx?id=9959) |\n| **S_VA-P4-C012** | Nothing in PASS-04 resolves the later-debt, independent-account-charge, or properly-incurred-reimbursement holds. | P4-C003, C008; original P2-C001/C004/C009 | **High scope conclusion.** |\n\n# E. Original PASS-02 claim patch map\n\n| Original claim | Action | Corrected treatment |\n| --- | --- | --- |\n| **S_VA-P2-C001** | **Retain unchanged** | Later settled-but-unpaid debt remains unresolved. No new search or construction was performed. |\n| **S_VA-P2-C002** | **Retain; correct narrative attribution** | Covers administrator independence, nonaffiliation, and referral-compensation restrictions only. |\n| **S_VA-P2-C003** | **Retain with express predicate qualification** | Section 6.2-2041(C) bars other licensee settlement-service fees. Section 50(B)’s aggregate rule applies only where someone other than the licensee’s credit counselor set up or established the agreement. |\n| **S_VA-P2-C004** | **Retain unchanged in substance** | No express authorization located for a genuine ordinary independent account charge; classification remains unresolved rather than categorically prohibited. |\n| **S_VA-P2-C005** | **Retain** | Current § 2014(1)(v) refund text. |\n| **S_VA-P2-C006** | **Retain** | Current § 2016 actual-cost reimbursement conditions. |\n| **S_VA-P2-C007** | **Narrow evidentiary basis** | Historical terminology claim is limited to text actually retrieved. Delete any implication that the entire 2004 enactment was read or that historical wording supplies controlling construction/currentness. |\n| **S_VA-P2-C008** | **Retain** | Unincurred-cost inference only. |\n| **S_VA-P2-C009** | **Retain unchanged** | Properly incurred reimbursement refund remains unresolved. |\n| **S_VA-P2-C010** | **Retain with reporting-only limitation** | S009/S014 cannot be used as fee-earning, fee-trigger, or permission rules. |\n| **S_VA-P2-C011** | **Retain and sharpen** | Final order proves the Response existed and influenced modifications; it does not expose the Response’s full contents. |\n\n# F. Coverage and unresolved-dependency table\n\n| Correction item | PASS-04 status | Claims | Exact remaining dependency |\n| --- | --- | --- | --- |\n| Independent-account narrative claim identity | **Corrected** | P4-C001 | None; use original C002/C003/C004 according to their distinct subjects. |\n| Section 50(B) predicate | **Corrected and verified** | P4-C002 | Any application requires facts showing who actually set up or established the agreement and whether that person was a licensee-employed credit counselor. |\n| Section 50(H) anti-evasion principle | **Preserved** | P4-C004 | Fact-specific economic and operational evidence needed before applying it to a charge. |\n| Universal classification of independent administrator fees | **Rejected as unsupported** | P4-C003 | Controlling SCC/court construction or a concrete administrator arrangement remains necessary. |\n| Ordinary genuine independent account charge | **Unresolved** | Original P2-C004; P4-C003/C012 | Same PASS-02 dependency remains open. |\n| Reimbursement-refund narrative identity | **Corrected** | P4-C005 | None; cite C005–C009, not C003. |\n| Unincurred or excess reimbursement | **Textually bounded** | P4-C006/C007 | Actual invoice, cost, disclosure, advance permission, and amount facts required. |\n| Properly incurred reimbursement within cancellation refund | **Unresolved** | P4-C008; original P2-C009 | Controlling SCC or judicial construction remains missing. |\n| P2-S012 completeness | **Corrected** | P4-C009 | Complete ordinary public access to the 2004 enactment would permit a new read, but it would not retroactively change PASS-02’s actual access record. |\n| S009/S014 reporting use | **Corrected** | P4-C010 | Reporting materials cannot close substantive fee-trigger questions. S014’s previously cited route is presently unavailable. |\n| October 1, 2021 Bureau Response | **Still unread** | P4-C011 | A readable ordinary public copy of the actual Response remains the precise missing document. |\n| Later settled-but-unpaid debt | **Unchanged hold** | Original P2-C001 | No search rerun; same controlling-construction dependency remains. |\n| PASS-03 report | **Excluded from correction** | — | It remains unreviewed and supplies no resolution of PASS-02 holds. |\n| Wider Virginia dossier / A066 | **Open** | — | All uncompleted parent components remain required. |\n\n# G. Access and scope self-check\n\nFreshly reopened for this correction:\n\n- current 10VAC5-230-50(B) and (H);\n- current §§ 6.2-2040(3), 6.2-2040(6), and 6.2-2041(A)–(C);\n- current § 6.2-2014(1)(v) and § 6.2-2016;\n- the published 2021 final order passages identifying—but not reproducing—the Bureau Response; and\n- the current available CCB-11006 reporting form, including visual inspection of its operating-data page.\n\nNot freshly reopened:\n\n- P2-S012’s 2004 enactment route. Its original partial-retrieval/Unicode-failure status is preserved rather than upgraded.\n- Any underlying October 1, 2021 Bureau Response.\n- Any court or SCC interpretation search.\n- PASS-03 sources or conclusions.\n\nThe prior S014 URL was attempted once and returned 404; no repeated blocked-route loop was used.\n\nNo new fee or calendar example is provided because each substantive permission issue assigned here remains unresolved. This is a correction addendum, not independent review, full-state completion, A066 acceptance, or publication-ready legal analysis.\n\n**END S_VA PASS-04.**\n\n","tables":[{"headers":["Original PASS-02 claim","Canonical subject retained","Correct narrative use after this addendum"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Original PASS-02 claim","Canonical subject retained","Correct narrative use after this addendum"],["S_VA-P2-C001","Section 6.2-2040(3)’s initial “at least one debt” trigger versus § 6.2-2041(B)’s individual-debt allocation; later settled-but-unpaid debt unresolved","PASS-02 narrative § 1 was correctly mapped to C001. No change."],["S_VA-P2-C002","Section 6.2-2040(6)’s independent account-administrator and no-referral-compensation conditions","Supports only the account administrator’s required independence and referral restrictions—not the broader account-charge conclusion."],["S_VA-P2-C003","Section 6.2-2041(C)’s bar on additional licensee settlement-service fees, plus 10VAC5-230-50(B)’s conditional aggregate-fee rule","Supports the broader conclusion only to the extent described in corrected replacement passage B1 below. Section 50(B) applies only when an agreement was set up or established by someone other than a credit counselor of the licensee."],["S_VA-P2-C004","No express authorization located for a genuinely independent administrator’s ordinary account-maintenance charge outside § 6.2-2041","Carries the unresolved independent-account-charge conclusion."],["S_VA-P2-C005","Section 6.2-2014(1)(v)’s early-cancellation refund text","Supports the statutory fee-refund language."],["S_VA-P2-C006","Section 6.2-2016’s two permitted actual-cost reimbursements","Supports the current statutory distinction between permitted fees/contributions and specifically described reimbursements."],["S_VA-P2-C007","Historical use of differing fee/reimbursement terminology","Limited to the historical text actually retrieved. It does not establish that the entire 2004 enactment was read, does not supply legal construction, and does not establish current law."],["S_VA-P2-C008","An unincurred purported reimbursement lacks § 6.2-2016’s actual-cost basis","Supports only that textual inference."],["S_VA-P2-C009","Refund treatment of a properly incurred § 6.2-2016 reimbursement remains unresolved","Carries the ultimate reimbursement-refund hold."],["S_VA-P2-C010","SCC reporting materials distinguish settled-debt and aggregate-fee fields","Reporting practice only. It does not establish when a fee is earned, requested, received, or legally collectible."],["S_VA-P2-C011","The 2021 final order identifies an October 1, 2021 Bureau Response to Comments","The Response remains unread. The final order does not reproduce its full contents."]]},{"headers":["Source ID","Issuer / title","Direct literal URL","Exact passage freshly read","Status, actual access, and limitation"],"index":1,"links":[{"href":"https://law.lis.virginia.gov/admincode/title10/agency5/chapter230/section50/","text":"Virginia Law"},{"href":"https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2040/","text":"Virginia Law"},{"href":"https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2041/","text":"Virginia Law"},{"href":"https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2014/","text":"Virginia Law"},{"href":"https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2016/","text":"Virginia Law"},{"href":"https://register.dls.virginia.gov/details.aspx?id=9959","text":"Virginia Register\n+1"},{"href":"https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/periodic-reporting/ccb11006.pdf","text":"Virginia SCC\n+1"}],"row_links":[[],[{"href":"https://law.lis.virginia.gov/admincode/title10/agency5/chapter230/section50/","text":"Virginia Law"}],[{"href":"https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2040/","text":"Virginia Law"}],[{"href":"https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2041/","text":"Virginia Law"}],[{"href":"https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2014/","text":"Virginia Law"}],[{"href":"https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2016/","text":"Virginia Law"}],[{"href":"https://register.dls.virginia.gov/details.aspx?id=9959","text":"Virginia Register\n+1"}],[{"href":"https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/periodic-reporting/ccb11006.pdf","text":"Virginia SCC\n+1"}],[]],"rows":[["Source ID","Issuer / title","Direct literal URL","Exact passage freshly read","Status, actual access, and limitation"],["S_VA-P4-S001","Virginia Administrative Code / SCC — 10VAC5-230-50","https://law.lis.virginia.gov/admincode/title10/agency5/chapter230/section50/","Subsection B’s agreement-origin predicate and total-fee condition; subsection H’s anti-evasion rule; historical note.","Current operative regulation, page dated 10/24/2026; originally effective 12/15/2021. Freshly read 10/24/2026. Section B is conditional, not universal. \nVirginia Law"],["S_VA-P4-S002","Virginia General Assembly — Code § 6.2-2040","https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2040/","Subdivision 3, compensation trigger; subdivision 6(a)–(e), voluntary account, consumer ownership, administrator independence, referral restriction, withdrawal.","Current codified statute, page dated 10/24/2026. Freshly read 10/24/2026. Does not expressly classify an administrator’s ordinary charge. \nVirginia Law"],["S_VA-P4-S003","Virginia General Assembly — Code § 6.2-2041","https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2041/","Subsections A–C, including individual-debt allocation and bar on other licensee settlement-service compensation.","Current codified statute, page dated 10/24/2026. Freshly read 10/24/2026. \nVirginia Law"],["S_VA-P4-S004","Virginia General Assembly — Code § 6.2-2014","https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2014/","Subdivision 1(v), undistributed creditor funds and early fee-refund language.","Current codified statute, page dated 10/24/2026. Freshly read 10/24/2026. Does not expressly mention § 2016 reimbursements. \nVirginia Law"],["S_VA-P4-S005","Virginia General Assembly — Code § 6.2-2016","https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2016/","Complete operative sentence covering prohibited additional amounts and the two advance-authorized actual-cost reimbursements.","Current codified statute, page dated 10/24/2026. Freshly read 10/24/2026. Does not state whether properly incurred reimbursement is included in “all fees paid.” \nVirginia Law"],["S_VA-P4-S006","SCC / Virginia Register — Final 10VAC5-230 order, Case BFI-2021-00010","https://register.dls.virginia.gov/details.aspx?id=9959","Final-order status; effective date; lines identifying comments, October 1, 2021 Response, Commission treatment, and adoption.","Historical final order, entered 11/18/2021; regulation effective 12/15/2021. Freshly read 10/24/2026. Identifies but does not reproduce the Response. \nVirginia Register\n+1"],["S_VA-P4-S007","SCC Bureau of Financial Institutions — CCB-11006 annual-report form","https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/periodic-reporting/ccb11006.pdf","PDF p. 2, items 11–15: settled-debt totals and fees charged/received under § 6.2-2041.","Agency reporting form, Rev. 12/2025, for year ending 12/31/2025. Freshly read and visually inspected 10/24/2026. Procedural reporting evidence only. \nVirginia SCC\n+1"],["S_VA-P4-S008","Previously cited SCC 2024 summary route","https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/reports-amp-publications/sum2024.pdf","No passage retrieved.","Fresh access failure: 404 on 10/24/2026. Not used as substantive authority in this correction."]]},{"headers":["Claim ID","Corrective assertion","Sources / pinpoints","Status and confidence"],"index":2,"links":[{"href":"https://law.lis.virginia.gov/admincode/title10/agency5/chapter230/section50/","text":"Virginia Law"},{"href":"https://law.lis.virginia.gov/admincode/title10/agency5/chapter230/section50/","text":"Virginia Law"},{"href":"https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2016/","text":"Virginia Law"},{"href":"https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/periodic-reporting/ccb11006.pdf","text":"Virginia SCC\n+1"},{"href":"https://register.dls.virginia.gov/details.aspx?id=9959","text":"Virginia Register\n+1"}],"row_links":[[],[],[{"href":"https://law.lis.virginia.gov/admincode/title10/agency5/chapter230/section50/","text":"Virginia Law"}],[],[{"href":"https://law.lis.virginia.gov/admincode/title10/agency5/chapter230/section50/","text":"Virginia Law"}],[],[{"href":"https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2016/","text":"Virginia Law"}],[],[],[],[{"href":"https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/periodic-reporting/ccb11006.pdf","text":"Virginia SCC\n+1"}],[{"href":"https://register.dls.virginia.gov/details.aspx?id=9959","text":"Virginia Register\n+1"}],[]],"rows":[["Claim ID","Corrective assertion","Sources / pinpoints","Status and confidence"],["S_VA-P4-C001","PASS-02 narrative § 2 must map across original C002, C003, and C004, not C002 alone.","Original PASS-02 claim table; P4-S001 to S003","Correction of claim identity. High."],["S_VA-P4-C002","The aggregate-fee requirement in 10VAC5-230-50(B) applies only when the agreement was set up or established by someone other than a credit counselor of the licensee.","P4-S001, subsection B","High. Express predicate. \nVirginia Law"],["S_VA-P4-C003","Section 50(B) does not itself constitute a universal adjudicated classification of every independent account-administration charge.","P4-S001(B); P4-S002(6); P4-S003(C)","High as limiting construction of the provision’s express scope. Ultimate account-charge classification remains held."],["S_VA-P4-C004","Section 50(H)’s anti-evasion rule remains independently relevant to disguised or routed charges but does not decide every genuine independent charge.","P4-S001(H)","High as to rule; application fact-dependent. \nVirginia Law"],["S_VA-P4-C005","PASS-02 narrative § 3 must map to original C005 through C009, not C003.","P4-S004 to S005; original PASS-02 claim table","Correction of claim identity. High."],["S_VA-P4-C006","Section 6.2-2016 permits only the identified reimbursements after disclosure and advance permission and only for actual costs or actual bank charges.","P4-S005","High. \nVirginia Law"],["S_VA-P4-C007","If no identified cost or bank charge was actually incurred, retention cannot be justified as a § 6.2-2016 actual-cost reimbursement on those assumed facts.","P4-S005","High textual inference; no broader remedy conclusion."],["S_VA-P4-C008","Current statutes do not resolve whether a properly incurred § 6.2-2016 reimbursement is included within § 6.2-2014(1)(v)’s “all fees paid.”","P4-S004 to S005","Unresolved. Original P2-C009 retained."],["S_VA-P4-C009","P2-S012 established only the historical terminology appearing in the text actually surfaced; it did not establish a complete 2004 enactment read or controlling construction.","Prior P2-S012 access record","Access qualification. High."],["S_VA-P4-C010","SCC reporting fields for settled debts and fees charged/received do not themselves establish fee-earning or collection conditions.","P4-S007 p. 2, items 11–15; P4-S002 to S003 for substantive law","High. Reporting evidence only. \nVirginia SCC\n+1"],["S_VA-P4-C011","The final order identifies the October 1, 2021 Bureau Response but does not reproduce it; the underlying Response remains unread.","P4-S006, order paragraphs concerning the Response and adoption","High. \nVirginia Register\n+1"],["S_VA-P4-C012","Nothing in PASS-04 resolves the later-debt, independent-account-charge, or properly-incurred-reimbursement holds.","P4-C003, C008; original P2-C001/C004/C009","High scope conclusion."]]},{"headers":["Original claim","Action","Corrected treatment"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Original claim","Action","Corrected treatment"],["S_VA-P2-C001","Retain unchanged","Later settled-but-unpaid debt remains unresolved. No new search or construction was performed."],["S_VA-P2-C002","Retain; correct narrative attribution","Covers administrator independence, nonaffiliation, and referral-compensation restrictions only."],["S_VA-P2-C003","Retain with express predicate qualification","Section 6.2-2041(C) bars other licensee settlement-service fees. Section 50(B)’s aggregate rule applies only where someone other than the licensee’s credit counselor set up or established the agreement."],["S_VA-P2-C004","Retain unchanged in substance","No express authorization located for a genuine ordinary independent account charge; classification remains unresolved rather than categorically prohibited."],["S_VA-P2-C005","Retain","Current § 2014(1)(v) refund text."],["S_VA-P2-C006","Retain","Current § 2016 actual-cost reimbursement conditions."],["S_VA-P2-C007","Narrow evidentiary basis","Historical terminology claim is limited to text actually retrieved. Delete any implication that the entire 2004 enactment was read or that historical wording supplies controlling construction/currentness."],["S_VA-P2-C008","Retain","Unincurred-cost inference only."],["S_VA-P2-C009","Retain unchanged","Properly incurred reimbursement refund remains unresolved."],["S_VA-P2-C010","Retain with reporting-only limitation","S009/S014 cannot be used as fee-earning, fee-trigger, or permission rules."],["S_VA-P2-C011","Retain and sharpen","Final order proves the Response existed and influenced modifications; it does not expose the Response’s full contents."]]},{"headers":["Correction item","PASS-04 status","Claims","Exact remaining dependency"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Correction item","PASS-04 status","Claims","Exact remaining dependency"],["Independent-account narrative claim identity","Corrected","P4-C001","None; use original C002/C003/C004 according to their distinct subjects."],["Section 50(B) predicate","Corrected and verified","P4-C002","Any application requires facts showing who actually set up or established the agreement and whether that person was a licensee-employed credit counselor."],["Section 50(H) anti-evasion principle","Preserved","P4-C004","Fact-specific economic and operational evidence needed before applying it to a charge."],["Universal classification of independent administrator fees","Rejected as unsupported","P4-C003","Controlling SCC/court construction or a concrete administrator arrangement remains necessary."],["Ordinary genuine independent account charge","Unresolved","Original P2-C004; P4-C003/C012","Same PASS-02 dependency remains open."],["Reimbursement-refund narrative identity","Corrected","P4-C005","None; cite C005–C009, not C003."],["Unincurred or excess reimbursement","Textually bounded","P4-C006/C007","Actual invoice, cost, disclosure, advance permission, and amount facts required."],["Properly incurred reimbursement within cancellation refund","Unresolved","P4-C008; original P2-C009","Controlling SCC or judicial construction remains missing."],["P2-S012 completeness","Corrected","P4-C009","Complete ordinary public access to the 2004 enactment would permit a new read, but it would not retroactively change PASS-02’s actual access record."],["S009/S014 reporting use","Corrected","P4-C010","Reporting materials cannot close substantive fee-trigger questions. S014’s previously cited route is presently unavailable."],["October 1, 2021 Bureau Response","Still unread","P4-C011","A readable ordinary public copy of the actual Response remains the precise missing document."],["Later settled-but-unpaid debt","Unchanged hold","Original P2-C001","No search rerun; same controlling-construction dependency remains."],["PASS-03 report","Excluded from correction","—","It remains unreviewed and supplies no resolution of PASS-02 holds."],["Wider Virginia dossier / A066","Open","—","All uncompleted parent components remain required."]]}],"claims":[{"claim_id":"S_VA-P4-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P4-C001","Corrective assertion":"PASS-02 narrative § 2 must map across original C002, C003, and C004, not C002 alone.","Sources / pinpoints":"Original PASS-02 claim table; P4-S001 to S003","Status and confidence":"Correction of claim identity. High."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_VA-P4-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P4-C002","Corrective assertion":"The aggregate-fee requirement in 10VAC5-230-50(B) applies only when the agreement was set up or established by someone other than a credit counselor of the licensee.","Sources / pinpoints":"P4-S001, subsection B","Status and confidence":"High. Express predicate. \nVirginia Law"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_VA-P4-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P4-C003","Corrective assertion":"Section 50(B) does not itself constitute a universal adjudicated classification of every independent account-administration charge.","Sources / pinpoints":"P4-S001(B); P4-S002(6); P4-S003(C)","Status and confidence":"High as limiting construction of the provision’s express scope. Ultimate account-charge classification remains held."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_VA-P4-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P4-C004","Corrective assertion":"Section 50(H)’s anti-evasion rule remains independently relevant to disguised or routed charges but does not decide every genuine independent charge.","Sources / pinpoints":"P4-S001(H)","Status and confidence":"High as to rule; application fact-dependent. \nVirginia Law"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_VA-P4-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P4-C005","Corrective assertion":"PASS-02 narrative § 3 must map to original C005 through C009, not C003.","Sources / pinpoints":"P4-S004 to S005; original PASS-02 claim table","Status and confidence":"Correction of claim identity. High."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_VA-P4-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P4-C006","Corrective assertion":"Section 6.2-2016 permits only the identified reimbursements after disclosure and advance permission and only for actual costs or actual bank charges.","Sources / pinpoints":"P4-S005","Status and confidence":"High. \nVirginia Law"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_VA-P4-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P4-C007","Corrective assertion":"If no identified cost or bank charge was actually incurred, retention cannot be justified as a § 6.2-2016 actual-cost reimbursement on those assumed facts.","Sources / pinpoints":"P4-S005","Status and confidence":"High textual inference; no broader remedy conclusion."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_VA-P4-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P4-C008","Corrective assertion":"Current statutes do not resolve whether a properly incurred § 6.2-2016 reimbursement is included within § 6.2-2014(1)(v)’s “all fees paid.”","Sources / pinpoints":"P4-S004 to S005","Status and confidence":"Unresolved. Original P2-C009 retained."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_VA-P4-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P4-C009","Corrective assertion":"P2-S012 established only the historical terminology appearing in the text actually surfaced; it did not establish a complete 2004 enactment read or controlling construction.","Sources / pinpoints":"Prior P2-S012 access record","Status and confidence":"Access qualification. High."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_VA-P4-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P4-C010","Corrective assertion":"SCC reporting fields for settled debts and fees charged/received do not themselves establish fee-earning or collection conditions.","Sources / pinpoints":"P4-S007 p. 2, items 11–15; P4-S002 to S003 for substantive law","Status and confidence":"High. Reporting evidence only. \nVirginia SCC\n+1"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_VA-P4-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P4-C011","Corrective assertion":"The final order identifies the October 1, 2021 Bureau Response but does not reproduce it; the underlying Response remains unread.","Sources / pinpoints":"P4-S006, order paragraphs concerning the Response and adoption","Status and confidence":"High. \nVirginia Register\n+1"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_VA-P4-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P4-C012","Corrective assertion":"Nothing in PASS-04 resolves the later-debt, independent-account-charge, or properly-incurred-reimbursement holds.","Sources / pinpoints":"P4-C003, C008; original P2-C001/C004/C009","Status and confidence":"High scope conclusion."},"coordinator_verification_status":"not_yet_checked"}],"sources":[{"source_id":"S_VA-P4-S001","urls":["https://law.lis.virginia.gov/admincode/title10/agency5/chapter230/section50/"],"researcher_record":{"Source ID":"S_VA-P4-S001","Issuer / title":"Virginia Administrative Code / SCC — 10VAC5-230-50","Direct literal URL":"https://law.lis.virginia.gov/admincode/title10/agency5/chapter230/section50/","Exact passage freshly read":"Subsection B’s agreement-origin predicate and total-fee condition; subsection H’s anti-evasion rule; historical note.","Status, actual access, and limitation":"Current operative regulation, page dated 10/24/2026; originally effective 12/15/2021. Freshly read 10/24/2026. Section B is conditional, not universal. \nVirginia Law"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P4-S002","urls":["https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2040/"],"researcher_record":{"Source ID":"S_VA-P4-S002","Issuer / title":"Virginia General Assembly — Code § 6.2-2040","Direct literal URL":"https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2040/","Exact passage freshly read":"Subdivision 3, compensation trigger; subdivision 6(a)–(e), voluntary account, consumer ownership, administrator independence, referral restriction, withdrawal.","Status, actual access, and limitation":"Current codified statute, page dated 10/24/2026. Freshly read 10/24/2026. Does not expressly classify an administrator’s ordinary charge. \nVirginia Law"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P4-S003","urls":["https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2041/"],"researcher_record":{"Source ID":"S_VA-P4-S003","Issuer / title":"Virginia General Assembly — Code § 6.2-2041","Direct literal URL":"https://law.lis.virginia.gov/vacode/title6.2/chapter20.1/section6.2-2041/","Exact passage freshly read":"Subsections A–C, including individual-debt allocation and bar on other licensee settlement-service compensation.","Status, actual access, and limitation":"Current codified statute, page dated 10/24/2026. Freshly read 10/24/2026. \nVirginia Law"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P4-S004","urls":["https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2014/"],"researcher_record":{"Source ID":"S_VA-P4-S004","Issuer / title":"Virginia General Assembly — Code § 6.2-2014","Direct literal URL":"https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2014/","Exact passage freshly read":"Subdivision 1(v), undistributed creditor funds and early fee-refund language.","Status, actual access, and limitation":"Current codified statute, page dated 10/24/2026. Freshly read 10/24/2026. Does not expressly mention § 2016 reimbursements. \nVirginia Law"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P4-S005","urls":["https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2016/"],"researcher_record":{"Source ID":"S_VA-P4-S005","Issuer / title":"Virginia General Assembly — Code § 6.2-2016","Direct literal URL":"https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2016/","Exact passage freshly read":"Complete operative sentence covering prohibited additional amounts and the two advance-authorized actual-cost reimbursements.","Status, actual access, and limitation":"Current codified statute, page dated 10/24/2026. Freshly read 10/24/2026. Does not state whether properly incurred reimbursement is included in “all fees paid.” \nVirginia Law"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P4-S006","urls":["https://register.dls.virginia.gov/details.aspx?id=9959"],"researcher_record":{"Source ID":"S_VA-P4-S006","Issuer / title":"SCC / Virginia Register — Final 10VAC5-230 order, Case BFI-2021-00010","Direct literal URL":"https://register.dls.virginia.gov/details.aspx?id=9959","Exact passage freshly read":"Final-order status; effective date; lines identifying comments, October 1, 2021 Response, Commission treatment, and adoption.","Status, actual access, and limitation":"Historical final order, entered 11/18/2021; regulation effective 12/15/2021. Freshly read 10/24/2026. Identifies but does not reproduce the Response. \nVirginia Register\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P4-S007","urls":["https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/periodic-reporting/ccb11006.pdf"],"researcher_record":{"Source ID":"S_VA-P4-S007","Issuer / title":"SCC Bureau of Financial Institutions — CCB-11006 annual-report form","Direct literal URL":"https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/periodic-reporting/ccb11006.pdf","Exact passage freshly read":"PDF p. 2, items 11–15: settled-debt totals and fees charged/received under § 6.2-2041.","Status, actual access, and limitation":"Agency reporting form, Rev. 12/2025, for year ending 12/31/2025. Freshly read and visually inspected 10/24/2026. Procedural reporting evidence only. \nVirginia SCC\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P4-S008","urls":["https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/reports-amp-publications/sum2024.pdf"],"researcher_record":{"Source ID":"S_VA-P4-S008","Issuer / title":"Previously cited SCC 2024 summary route","Direct literal URL":"https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/bureau-of-financial-institutions/reports-amp-publications/sum2024.pdf","Exact passage freshly read":"No passage retrieved.","Status, actual access, and limitation":"Fresh access failure: 404 on 10/24/2026. Not used as substantive authority in this correction."},"coordinator_verification_status":"not_yet_checked"}],"coverage":[{"topic":"Independent-account narrative claim identity","researcher_record":{"Correction item":"Independent-account narrative claim identity","PASS-04 status":"Corrected","Claims":"P4-C001","Exact remaining dependency":"None; use original C002/C003/C004 according to their distinct subjects."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Section 50(B) predicate","researcher_record":{"Correction item":"Section 50(B) predicate","PASS-04 status":"Corrected and verified","Claims":"P4-C002","Exact remaining dependency":"Any application requires facts showing who actually set up or established the agreement and whether that person was a licensee-employed credit counselor."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Section 50(H) anti-evasion principle","researcher_record":{"Correction item":"Section 50(H) anti-evasion principle","PASS-04 status":"Preserved","Claims":"P4-C004","Exact remaining dependency":"Fact-specific economic and operational evidence needed before applying it to a charge."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Universal classification of independent administrator fees","researcher_record":{"Correction item":"Universal classification of independent administrator fees","PASS-04 status":"Rejected as unsupported","Claims":"P4-C003","Exact remaining dependency":"Controlling SCC/court construction or a concrete administrator arrangement remains necessary."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Ordinary genuine independent account charge","researcher_record":{"Correction item":"Ordinary genuine independent account charge","PASS-04 status":"Unresolved","Claims":"Original P2-C004; P4-C003/C012","Exact remaining dependency":"Same PASS-02 dependency remains open."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Reimbursement-refund narrative identity","researcher_record":{"Correction item":"Reimbursement-refund narrative identity","PASS-04 status":"Corrected","Claims":"P4-C005","Exact remaining dependency":"None; cite C005–C009, not C003."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Unincurred or excess reimbursement","researcher_record":{"Correction item":"Unincurred or excess reimbursement","PASS-04 status":"Textually bounded","Claims":"P4-C006/C007","Exact remaining dependency":"Actual invoice, cost, disclosure, advance permission, and amount facts required."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Properly incurred reimbursement within cancellation refund","researcher_record":{"Correction item":"Properly incurred reimbursement within cancellation refund","PASS-04 status":"Unresolved","Claims":"P4-C008; original P2-C009","Exact remaining dependency":"Controlling SCC or judicial construction remains missing."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"P2-S012 completeness","researcher_record":{"Correction item":"P2-S012 completeness","PASS-04 status":"Corrected","Claims":"P4-C009","Exact remaining dependency":"Complete ordinary public access to the 2004 enactment would permit a new read, but it would not retroactively change PASS-02’s actual access record."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"S009/S014 reporting use","researcher_record":{"Correction item":"S009/S014 reporting use","PASS-04 status":"Corrected","Claims":"P4-C010","Exact remaining dependency":"Reporting materials cannot close substantive fee-trigger questions. S014’s previously cited route is presently unavailable."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"October 1, 2021 Bureau Response","researcher_record":{"Correction item":"October 1, 2021 Bureau Response","PASS-04 status":"Still unread","Claims":"P4-C011","Exact remaining dependency":"A readable ordinary public copy of the actual Response remains the precise missing document."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Later settled-but-unpaid debt","researcher_record":{"Correction item":"Later settled-but-unpaid debt","PASS-04 status":"Unchanged hold","Claims":"Original P2-C001","Exact remaining dependency":"No search rerun; same controlling-construction dependency remains."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"PASS-03 report","researcher_record":{"Correction item":"PASS-03 report","PASS-04 status":"Excluded from correction","Claims":"—","Exact remaining dependency":"It remains unreviewed and supplies no resolution of PASS-02 holds."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Wider Virginia dossier / A066","researcher_record":{"Correction item":"Wider Virginia dossier / A066","PASS-04 status":"Open","Claims":"—","Exact remaining dependency":"All uncompleted parent components remain required."},"coordinator_acceptance":"not_yet_reviewed"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}