{"meta":{"key":"s_va--pass-05","task":"S_VA","title":"SVA Bounded correction addendum to","parent_title":"Virginia debt and debt relief law","edition":"pass-05","path":"/research/s_va--pass-05/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":4,"claims":7,"sources":3,"review_status":"accepted_with_limits","review_complete":true,"sha256":"9aaae2d0767aeb15bba116a45c75759fee70508a67bb7e405b210cb456c523ac","headings":["A. Exact old-to-replacement claim map","B1. Replacement for PASS-03 claim C027","Dependent PASS-03 language","B2. Replacement for PASS-03 claim C022","B3. Replacement for PASS-03 claim C032"],"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-05","facets":{"geography":["us","us-va"],"debt_type":[],"stage":[],"subject":[]},"scope":"Only PASS03 C027 within-five-day wording, C022 statutory exception and C032 endpoint qualification","pending_corrections":0},"markdown":"# S_VA PASS-05 — Bounded correction addendum to PASS-03\n\n**Actual fresh access date:** October 24, 2026, Pacific\n**Scope:** corrections to **S_VA-P3-C027, C022, and C032** only.\n\nPASS-03 remains otherwise unchanged. PASS-04 has not yet been coordinator-reviewed and is not treated here as resolving any substantive hold. No fee-permission search, case-law search, amendment-history investigation, or new example was performed.\n\n## A. Exact old-to-replacement claim map\n\n| Original PASS-03 claim | Required correction | Replacement claim text |\n| --- | --- | --- |\n| **S_VA-P3-C027** | The material claim table abbreviated the first refund window as “<5,” incorrectly excluding the fifth day. | **A DMP agreement must provide that, upon termination, the consumer receives all funds not disbursed to creditors and either: (a) all fees paid if the agreement is terminated *within five days* after consumer execution; or (b) all fees paid less the setup fee if terminated *more than five but less than 31 days* after consumer execution.** “Within five days” must not be restated as “less than five days.” The return of undisbursed creditor money remains distinct from the fee-refund calculation. |\n| **S_VA-P3-C022** | The standalone claim omitted the express exception to the standard-form separate-consent rule. | **Virginia UETA applies only where each party has agreed to transact electronically. Except for a separate and optional agreement whose primary purpose is authorizing an electronic transaction, an electronic-consent term in a standard-form contract must be conspicuously displayed and separately consented to.** |\n| **S_VA-P3-C032** | The original explanation risked treating all § 1-210 extension provisions as categorically limited to judicial or government acts. | **The exact private DMP-cancellation weekend/holiday endpoint remains held. Section 1-210(B) has a judicial-proceeding scope; subsection C concerns statutory maximum periods for bringing legal actions; and subsection E must be evaluated under its own wording. These provisions do not, on the present bounded research, establish either an automatic extension or a categorical no-extension rule for a private DMP cancellation notice. Section 1-210(A)’s exclusion of the triggering-event day remains a separate rule.** |\n\n# B. Replacement passages\n\n## B1. Replacement for PASS-03 claim C027\n\n**S_VA-P3-C027 — corrected, original ID retained**\n\nA DMP agreement must state that, upon termination, the consumer is entitled to a refund of all funds not disbursed to creditors and either:\n\n- **all fees paid**, if the consumer terminates **within five days** after executing the DMP agreement; or\n- **all fees paid less the setup fee**, if the consumer terminates **more than five but less than 31 days** after execution.\n\nThe first category includes the statutory fifth day; it must not be abbreviated as “<5.” The return of undisbursed creditor-payment money is a separate component of the consumer’s entitlement and is not collapsed into the fee-refund calculation. [Virginia Law](https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2014/)\n\n### Dependent PASS-03 language\n\nThe PASS-03 coverage-table row for “DMP termination and fee-refund windows” is corrected to:\n\n**Answered textually:** all undisbursed creditor-payment funds are returnable upon termination; the first fee-refund category applies when termination occurs **within five days**, and the second applies when termination occurs **more than five but less than 31 days** after consumer execution.\n\nThe existing PASS-03 narrative used “within five days” and therefore requires no substantive change.\n\nThe existing cancellation example already assumed that the cancellation fell “within the statutory first-five-day fee-refund category.” Its arithmetic is unchanged. No new example is supplied.\n\nThe following remain unchanged:\n\n- **S_VA-P3-C028:** undisbursed creditor funds are distinct from the early fee refund.\n- **S_VA-P3-C029:** § 6.2-2014(1) does not itself provide a general later fee-refund formula after the stated early windows.\n- **S_VA-P3-C031:** the statute uses “days,” not “business days.”\n- **S_VA-P3-C033:** no separate state-law refund-delivery deadline was established.\n- PASS-02’s unresolved construction of whether a properly incurred § 6.2-2016 reimbursement is included within “all fees paid” remains held.\n\n## B2. Replacement for PASS-03 claim C022\n\n**S_VA-P3-C022 — corrected, original ID retained**\n\nVirginia UETA applies only to transactions where each party has agreed to transact electronically, with agreement determined from context and surrounding circumstances. An electronic-consent term generally may not be placed in a standard-form contract unless it is conspicuously displayed and separately consented to. The statute expressly excepts **a separate and optional agreement whose primary purpose is to authorize a transaction to be conducted electronically**. Consent also may not be inferred solely from a party’s prior electronic payment of an account or electronic warranty registration. [Virginia Law](https://law.lis.virginia.gov/vacode/title59.1/chapter42.1/section59.1-483/)\n\nThis correction preserves the exception already stated in PASS-03’s narrative and ensures that the standalone claim row cannot be read as eliminating it.\n\n## B3. Replacement for PASS-03 claim C032\n\n**S_VA-P3-C032 — corrected qualification, original ID retained**\n\nThe exact weekend or holiday endpoint for a private DMP cancellation remains unresolved.\n\nSection 1-210(A) separately provides that, when an act of the General Assembly or rule of court requires an act within a prescribed period after an event or judgment, the event or judgment day is not counted against the allowed period.\n\nThe possible extension provisions have distinct wording and scopes:\n\n- **Subsection B** concerns performance of an act during a judicial proceeding when the last day falls on a weekend, legal holiday, or specified clerk-office closure.\n- **Subsection C** concerns a statutory maximum period for bringing a legal action.\n- **Subsection E** addresses acts required or actions required to be filed on a weekend, legal holiday, or specified government-office closure and must be assessed according to its own text.\n\nThis bounded correction does not determine that any one of those extension provisions necessarily applies—or necessarily does not apply—to a private consumer’s DMP cancellation notice. No exact calendar endpoint should be stated without the applicable execution date, notice facts, contractual mechanics, and additional controlling authority. [Virginia Law](https://law.lis.virginia.gov/vacode/title1/chapter2.1/section1-210/)\n\nThis replaces any implication that all § 1-210 extension provisions are categorically limited to judicial or government acts.\n\n# C. PASS-05 source table\n\n| Source ID | Issuer and title | Direct literal URL | Exact clause freshly read | Status, access, and limitation |\n| --- | --- | --- | --- | --- |\n| **S_VA-P5-S001** | Virginia General Assembly — Code § 6.2-2014, *Required and prohibited business methods* | https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2014/ | Subdivision 1(v), especially clauses (a) and (b): undisbursed creditor funds, “within five days,” and “more than five but less than 31 days.” | Current posted codified statute dated October 24, 2026; freshly read October 24, 2026. It does not resolve whether properly incurred § 6.2-2016 reimbursements are “fees paid.” [Virginia Law](https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2014/) |\n| **S_VA-P5-S002** | Virginia General Assembly — Code § 59.1-483, *Use of electronic records and electronic signatures; variation by agreement* | https://law.lis.virginia.gov/vacode/title59.1/chapter42.1/section59.1-483/ | Subsection (b): party agreement, standard-form conspicuous/separate consent, and the separate-optional-agreement exception. | Current posted codified statute dated October 24, 2026; freshly read October 24, 2026. No broader E-SIGN or contract-case-law investigation was undertaken. [Virginia Law](https://law.lis.virginia.gov/vacode/title59.1/chapter42.1/section59.1-483/) |\n| **S_VA-P5-S003** | Virginia General Assembly — Code § 1-210, *Computation of time* | https://law.lis.virginia.gov/vacode/title1/chapter2.1/section1-210/ | Subsections A, B, C, and E. | Current posted codified statute dated October 24, 2026; freshly read October 24, 2026. This source alone does not settle the private DMP-cancellation weekend/holiday endpoint. [Virginia Law](https://law.lis.virginia.gov/vacode/title1/chapter2.1/section1-210/) |\n\n# D. PASS-05 corrective claim table\n\n| Claim ID | Corrective assertion | Sources and pinpoints | Status and limit |\n| --- | --- | --- | --- |\n| **S_VA-P5-C001** | PASS-03 C027 must use the statute’s inclusive phrase **“within five days,”** not “<5.” | P5-S001, § 6.2-2014(1)(v)(a) | **Corrected; high confidence.** [Virginia Law](https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2014/) |\n| **S_VA-P5-C002** | The second fee-refund category applies when termination occurs **more than five but less than 31 days** after execution. | P5-S001, § 6.2-2014(1)(v)(b) | **Corrected; high confidence.** [Virginia Law](https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2014/) |\n| **S_VA-P5-C003** | Return of all funds not disbursed to creditors is a distinct termination entitlement from the two fee-refund alternatives. | P5-S001, § 6.2-2014(1)(v) | **Retained; high confidence.** [Virginia Law](https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2014/) |\n| **S_VA-P5-C004** | C022 must retain the exception for a separate, optional agreement whose primary purpose is authorizing electronic transactions. | P5-S002, § 59.1-483(b) | **Corrected; high confidence.** [Virginia Law](https://law.lis.virginia.gov/vacode/title59.1/chapter42.1/section59.1-483/) |\n| **S_VA-P5-C005** | Section 1-210(B), C, and E have different textual scopes and cannot be collapsed into a categorical judicial/government-only description. | P5-S003, § 1-210(B), (C), and (E) | **Corrected qualification; high confidence as to text.** [Virginia Law](https://law.lis.virginia.gov/vacode/title1/chapter2.1/section1-210/) |\n| **S_VA-P5-C006** | The private DMP-cancellation weekend/holiday endpoint remains unresolved; this correction establishes neither automatic extension nor automatic nonextension. | P5-S003, § 1-210(A), (B), (C), and (E) | **Held.** No new case-law research performed. [Virginia Law](https://law.lis.virginia.gov/vacode/title1/chapter2.1/section1-210/) |\n| **S_VA-P5-C007** | Section 1-210(A)’s exclusion of the triggering-event day remains analytically separate from whether any later weekend/holiday extension applies. | P5-S003, § 1-210(A) | **Retained with qualification.** [Virginia Law](https://law.lis.virginia.gov/vacode/title1/chapter2.1/section1-210/) |\n\n# E. Coverage and unchanged-hold table\n\n| PASS-05 item | Status | Affected original claim | Exact disposition |\n| --- | --- | --- | --- |\n| First DMP fee-refund window | **Corrected** | **S_VA-P3-C027** | Replace “<5” with **“within five days.”** Day five is not excluded by the claim wording. |\n| Second DMP fee-refund window | **Confirmed** | **S_VA-P3-C027** | Retain **“more than five but less than 31 days.”** |\n| Undisbursed creditor money | **Unchanged** | **S_VA-P3-C027/C028** | Remains distinct from fee refunds. |\n| Properly incurred § 6.2-2016 reimbursement refund | **Still unresolved** | PASS-02 C009; PASS-03 C027 qualification | No refund or nonrefund conclusion added. |\n| Standard-form electronic-consent exception | **Restored expressly** | **S_VA-P3-C022** | Retain the separate-and-optional-agreement exception. |\n| Triggering-day exclusion | **Unchanged but kept separate** | PASS-03 C030 | Section 1-210(A) remains the cited starting-day rule. |\n| Weekend/holiday endpoint | **Still unresolved** | **S_VA-P3-C032** | No automatic extension or categorical no-extension conclusion. |\n| Refund-delivery deadline | **Still unresolved** | PASS-03 C033 | No deadline invented. |\n| PASS-02 later-debt fee timing | **Open** | PASS-02 C001 | Not researched here. |\n| PASS-02 independent-account-charge treatment | **Open** | PASS-02 C004 | Not researched here. |\n| Trust-account reconciliation cadence | **Open** | PASS-03 C048 | Not researched here. |\n| Full amendment and controlling-case history | **Open** | — | No new historical or judicial investigation performed. |\n| Wider Virginia dossier and A066 | **Open** | — | No state completion, acceptance, or publication-readiness implication. |\n\nNo new fee example, refund-delivery deadline, or calendar-endpoint example is supplied. The original claim IDs and historical model provenance remain unchanged. This addendum is not independent review.\n\n**END S_VA PASS-05.**\n\n","tables":[{"headers":["Original PASS-03 claim","Required correction","Replacement claim text"],"index":0,"links":[],"row_links":[[],[],[],[]],"rows":[["Original PASS-03 claim","Required correction","Replacement claim text"],["S_VA-P3-C027","The material claim table abbreviated the first refund window as “<5,” incorrectly excluding the fifth day.","A DMP agreement must provide that, upon termination, the consumer receives all funds not disbursed to creditors and either: (a) all fees paid if the agreement is terminated within five days after consumer execution; or (b) all fees paid less the setup fee if terminated more than five but less than 31 days after consumer execution. “Within five days” must not be restated as “less than five days.” The return of undisbursed creditor money remains distinct from the fee-refund calculation."],["S_VA-P3-C022","The standalone claim omitted the express exception to the standard-form separate-consent rule.","Virginia UETA applies only where each party has agreed to transact electronically. Except for a separate and optional agreement whose primary purpose is authorizing an electronic transaction, an electronic-consent term in a standard-form contract must be conspicuously displayed and separately consented to."],["S_VA-P3-C032","The original explanation risked treating all § 1-210 extension provisions as categorically limited to judicial or government acts.","The exact private DMP-cancellation weekend/holiday endpoint remains held. Section 1-210(B) has a judicial-proceeding scope; subsection C concerns statutory maximum periods for bringing legal actions; and subsection E must be evaluated under its own wording. These provisions do not, on the present bounded research, establish either an automatic extension or a categorical no-extension rule for a private DMP cancellation notice. Section 1-210(A)’s exclusion of the triggering-event day remains a separate rule."]]},{"headers":["Source ID","Issuer and title","Direct literal URL","Exact clause freshly read","Status, access, and limitation"],"index":1,"links":[{"href":"https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2014/","text":"Virginia Law"},{"href":"https://law.lis.virginia.gov/vacode/title59.1/chapter42.1/section59.1-483/","text":"Virginia Law"},{"href":"https://law.lis.virginia.gov/vacode/title1/chapter2.1/section1-210/","text":"Virginia Law"}],"row_links":[[],[{"href":"https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2014/","text":"Virginia Law"}],[{"href":"https://law.lis.virginia.gov/vacode/title59.1/chapter42.1/section59.1-483/","text":"Virginia Law"}],[{"href":"https://law.lis.virginia.gov/vacode/title1/chapter2.1/section1-210/","text":"Virginia Law"}]],"rows":[["Source ID","Issuer and title","Direct literal URL","Exact clause freshly read","Status, access, and limitation"],["S_VA-P5-S001","Virginia General Assembly — Code § 6.2-2014, Required and prohibited business methods","https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2014/","Subdivision 1(v), especially clauses (a) and (b): undisbursed creditor funds, “within five days,” and “more than five but less than 31 days.”","Current posted codified statute dated October 24, 2026; freshly read October 24, 2026. It does not resolve whether properly incurred § 6.2-2016 reimbursements are “fees paid.” \nVirginia Law"],["S_VA-P5-S002","Virginia General Assembly — Code § 59.1-483, Use of electronic records and electronic signatures; variation by agreement","https://law.lis.virginia.gov/vacode/title59.1/chapter42.1/section59.1-483/","Subsection (b): party agreement, standard-form conspicuous/separate consent, and the separate-optional-agreement exception.","Current posted codified statute dated October 24, 2026; freshly read October 24, 2026. No broader E-SIGN or contract-case-law investigation was undertaken. \nVirginia Law"],["S_VA-P5-S003","Virginia General Assembly — Code § 1-210, Computation of time","https://law.lis.virginia.gov/vacode/title1/chapter2.1/section1-210/","Subsections A, B, C, and E.","Current posted codified statute dated October 24, 2026; freshly read October 24, 2026. This source alone does not settle the private DMP-cancellation weekend/holiday endpoint. \nVirginia Law"]]},{"headers":["Claim ID","Corrective assertion","Sources and pinpoints","Status and limit"],"index":2,"links":[{"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/section6.2-2014/","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/title59.1/chapter42.1/section59.1-483/","text":"Virginia Law"},{"href":"https://law.lis.virginia.gov/vacode/title1/chapter2.1/section1-210/","text":"Virginia Law"},{"href":"https://law.lis.virginia.gov/vacode/title1/chapter2.1/section1-210/","text":"Virginia Law"},{"href":"https://law.lis.virginia.gov/vacode/title1/chapter2.1/section1-210/","text":"Virginia Law"}],"row_links":[[],[{"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/section6.2-2014/","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/title59.1/chapter42.1/section59.1-483/","text":"Virginia Law"}],[{"href":"https://law.lis.virginia.gov/vacode/title1/chapter2.1/section1-210/","text":"Virginia Law"}],[{"href":"https://law.lis.virginia.gov/vacode/title1/chapter2.1/section1-210/","text":"Virginia Law"}],[{"href":"https://law.lis.virginia.gov/vacode/title1/chapter2.1/section1-210/","text":"Virginia Law"}]],"rows":[["Claim ID","Corrective assertion","Sources and pinpoints","Status and limit"],["S_VA-P5-C001","PASS-03 C027 must use the statute’s inclusive phrase “within five days,” not “<5.”","P5-S001, § 6.2-2014(1)(v)(a)","Corrected; high confidence. \nVirginia Law"],["S_VA-P5-C002","The second fee-refund category applies when termination occurs more than five but less than 31 days after execution.","P5-S001, § 6.2-2014(1)(v)(b)","Corrected; high confidence. \nVirginia Law"],["S_VA-P5-C003","Return of all funds not disbursed to creditors is a distinct termination entitlement from the two fee-refund alternatives.","P5-S001, § 6.2-2014(1)(v)","Retained; high confidence. \nVirginia Law"],["S_VA-P5-C004","C022 must retain the exception for a separate, optional agreement whose primary purpose is authorizing electronic transactions.","P5-S002, § 59.1-483(b)","Corrected; high confidence. \nVirginia Law"],["S_VA-P5-C005","Section 1-210(B), C, and E have different textual scopes and cannot be collapsed into a categorical judicial/government-only description.","P5-S003, § 1-210(B), (C), and (E)","Corrected qualification; high confidence as to text. \nVirginia Law"],["S_VA-P5-C006","The private DMP-cancellation weekend/holiday endpoint remains unresolved; this correction establishes neither automatic extension nor automatic nonextension.","P5-S003, § 1-210(A), (B), (C), and (E)","Held. No new case-law research performed. \nVirginia Law"],["S_VA-P5-C007","Section 1-210(A)’s exclusion of the triggering-event day remains analytically separate from whether any later weekend/holiday extension applies.","P5-S003, § 1-210(A)","Retained with qualification. \nVirginia Law"]]},{"headers":["PASS-05 item","Status","Affected original claim","Exact disposition"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["PASS-05 item","Status","Affected original claim","Exact disposition"],["First DMP fee-refund window","Corrected","S_VA-P3-C027","Replace “<5” with “within five days.” Day five is not excluded by the claim wording."],["Second DMP fee-refund window","Confirmed","S_VA-P3-C027","Retain “more than five but less than 31 days.”"],["Undisbursed creditor money","Unchanged","S_VA-P3-C027/C028","Remains distinct from fee refunds."],["Properly incurred § 6.2-2016 reimbursement refund","Still unresolved","PASS-02 C009; PASS-03 C027 qualification","No refund or nonrefund conclusion added."],["Standard-form electronic-consent exception","Restored expressly","S_VA-P3-C022","Retain the separate-and-optional-agreement exception."],["Triggering-day exclusion","Unchanged but kept separate","PASS-03 C030","Section 1-210(A) remains the cited starting-day rule."],["Weekend/holiday endpoint","Still unresolved","S_VA-P3-C032","No automatic extension or categorical no-extension conclusion."],["Refund-delivery deadline","Still unresolved","PASS-03 C033","No deadline invented."],["PASS-02 later-debt fee timing","Open","PASS-02 C001","Not researched here."],["PASS-02 independent-account-charge treatment","Open","PASS-02 C004","Not researched here."],["Trust-account reconciliation cadence","Open","PASS-03 C048","Not researched here."],["Full amendment and controlling-case history","Open","—","No new historical or judicial investigation performed."],["Wider Virginia dossier and A066","Open","—","No state completion, acceptance, or publication-readiness implication."]]}],"claims":[{"claim_id":"S_VA-P5-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P5-C001","Corrective assertion":"PASS-03 C027 must use the statute’s inclusive phrase “within five days,” not “<5.”","Sources and pinpoints":"P5-S001, § 6.2-2014(1)(v)(a)","Status and limit":"Corrected; high confidence. \nVirginia Law"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_VA-P5-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P5-C002","Corrective assertion":"The second fee-refund category applies when termination occurs more than five but less than 31 days after execution.","Sources and pinpoints":"P5-S001, § 6.2-2014(1)(v)(b)","Status and limit":"Corrected; high confidence. \nVirginia Law"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_VA-P5-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P5-C003","Corrective assertion":"Return of all funds not disbursed to creditors is a distinct termination entitlement from the two fee-refund alternatives.","Sources and pinpoints":"P5-S001, § 6.2-2014(1)(v)","Status and limit":"Retained; high confidence. \nVirginia Law"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_VA-P5-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P5-C004","Corrective assertion":"C022 must retain the exception for a separate, optional agreement whose primary purpose is authorizing electronic transactions.","Sources and pinpoints":"P5-S002, § 59.1-483(b)","Status and limit":"Corrected; high confidence. \nVirginia Law"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_VA-P5-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P5-C005","Corrective assertion":"Section 1-210(B), C, and E have different textual scopes and cannot be collapsed into a categorical judicial/government-only description.","Sources and pinpoints":"P5-S003, § 1-210(B), (C), and (E)","Status and limit":"Corrected qualification; high confidence as to text. \nVirginia Law"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_VA-P5-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P5-C006","Corrective assertion":"The private DMP-cancellation weekend/holiday endpoint remains unresolved; this correction establishes neither automatic extension nor automatic nonextension.","Sources and pinpoints":"P5-S003, § 1-210(A), (B), (C), and (E)","Status and limit":"Held. No new case-law research performed. \nVirginia Law"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_VA-P5-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_VA-P5-C007","Corrective assertion":"Section 1-210(A)’s exclusion of the triggering-event day remains analytically separate from whether any later weekend/holiday extension applies.","Sources and pinpoints":"P5-S003, § 1-210(A)","Status and limit":"Retained with qualification. \nVirginia Law"},"coordinator_verification_status":"not_yet_checked"}],"sources":[{"source_id":"S_VA-P5-S001","urls":["https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2014/"],"researcher_record":{"Source ID":"S_VA-P5-S001","Issuer and title":"Virginia General Assembly — Code § 6.2-2014, Required and prohibited business methods","Direct literal URL":"https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2014/","Exact clause freshly read":"Subdivision 1(v), especially clauses (a) and (b): undisbursed creditor funds, “within five days,” and “more than five but less than 31 days.”","Status, access, and limitation":"Current posted codified statute dated October 24, 2026; freshly read October 24, 2026. It does not resolve whether properly incurred § 6.2-2016 reimbursements are “fees paid.” \nVirginia Law"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P5-S002","urls":["https://law.lis.virginia.gov/vacode/title59.1/chapter42.1/section59.1-483/"],"researcher_record":{"Source ID":"S_VA-P5-S002","Issuer and title":"Virginia General Assembly — Code § 59.1-483, Use of electronic records and electronic signatures; variation by agreement","Direct literal URL":"https://law.lis.virginia.gov/vacode/title59.1/chapter42.1/section59.1-483/","Exact clause freshly read":"Subsection (b): party agreement, standard-form conspicuous/separate consent, and the separate-optional-agreement exception.","Status, access, and limitation":"Current posted codified statute dated October 24, 2026; freshly read October 24, 2026. No broader E-SIGN or contract-case-law investigation was undertaken. \nVirginia Law"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_VA-P5-S003","urls":["https://law.lis.virginia.gov/vacode/title1/chapter2.1/section1-210/"],"researcher_record":{"Source ID":"S_VA-P5-S003","Issuer and title":"Virginia General Assembly — Code § 1-210, Computation of time","Direct literal URL":"https://law.lis.virginia.gov/vacode/title1/chapter2.1/section1-210/","Exact clause freshly read":"Subsections A, B, C, and E.","Status, access, and limitation":"Current posted codified statute dated October 24, 2026; freshly read October 24, 2026. This source alone does not settle the private DMP-cancellation weekend/holiday endpoint. \nVirginia Law"},"coordinator_verification_status":"not_yet_checked"}],"coverage":[{"topic":"First DMP fee-refund window","researcher_record":{"PASS-05 item":"First DMP fee-refund window","Status":"Corrected","Affected original claim":"S_VA-P3-C027","Exact disposition":"Replace “<5” with “within five days.” Day five is not excluded by the claim wording."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Second DMP fee-refund window","researcher_record":{"PASS-05 item":"Second DMP fee-refund window","Status":"Confirmed","Affected original claim":"S_VA-P3-C027","Exact disposition":"Retain “more than five but less than 31 days.”"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Undisbursed creditor money","researcher_record":{"PASS-05 item":"Undisbursed creditor money","Status":"Unchanged","Affected original claim":"S_VA-P3-C027/C028","Exact disposition":"Remains distinct from fee refunds."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Properly incurred § 6.2-2016 reimbursement refund","researcher_record":{"PASS-05 item":"Properly incurred § 6.2-2016 reimbursement refund","Status":"Still unresolved","Affected original claim":"PASS-02 C009; PASS-03 C027 qualification","Exact disposition":"No refund or nonrefund conclusion added."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Standard-form electronic-consent exception","researcher_record":{"PASS-05 item":"Standard-form electronic-consent exception","Status":"Restored expressly","Affected original claim":"S_VA-P3-C022","Exact disposition":"Retain the separate-and-optional-agreement exception."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Triggering-day exclusion","researcher_record":{"PASS-05 item":"Triggering-day exclusion","Status":"Unchanged but kept separate","Affected original claim":"PASS-03 C030","Exact disposition":"Section 1-210(A) remains the cited starting-day rule."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Weekend/holiday endpoint","researcher_record":{"PASS-05 item":"Weekend/holiday endpoint","Status":"Still unresolved","Affected original claim":"S_VA-P3-C032","Exact disposition":"No automatic extension or categorical no-extension conclusion."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Refund-delivery deadline","researcher_record":{"PASS-05 item":"Refund-delivery deadline","Status":"Still unresolved","Affected original claim":"PASS-03 C033","Exact disposition":"No deadline invented."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"PASS-02 later-debt fee timing","researcher_record":{"PASS-05 item":"PASS-02 later-debt fee timing","Status":"Open","Affected original claim":"PASS-02 C001","Exact disposition":"Not researched here."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"PASS-02 independent-account-charge treatment","researcher_record":{"PASS-05 item":"PASS-02 independent-account-charge treatment","Status":"Open","Affected original claim":"PASS-02 C004","Exact disposition":"Not researched here."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Trust-account reconciliation cadence","researcher_record":{"PASS-05 item":"Trust-account reconciliation cadence","Status":"Open","Affected original claim":"PASS-03 C048","Exact disposition":"Not researched here."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Full amendment and controlling-case history","researcher_record":{"PASS-05 item":"Full amendment and controlling-case history","Status":"Open","Affected original claim":"—","Exact disposition":"No new historical or judicial investigation performed."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Wider Virginia dossier and A066","researcher_record":{"PASS-05 item":"Wider Virginia dossier and A066","Status":"Open","Affected original claim":"—","Exact disposition":"No state completion, acceptance, or publication-readiness implication."},"coordinator_acceptance":"not_yet_reviewed"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}