{"meta":{"key":"s_wy--pass-02","task":"S_WY","title":"Wyoming agreements, disclosures, authority, and cancellation","parent_title":"Wyoming debt and debt relief law","edition":"pass-02","path":"/research/s_wy--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":14,"claims":74,"sources":22,"review_status":"revise_two_bounded_atomic_pinpoint_scope_corrections_UNSENT_with_retained_holds","review_complete":true,"sha256":"32d8d8b908dcabae11bcf4dd97901330bf0a03daf4b492cf1d60054503772011","headings":["Wyoming agreements, disclosures, authority, and cancellation","Principal conclusions","A1. Classify the actor and activity before selecting agreement language","Compact branch matrix","Chapter 14: prohibition first, then exclusion","A2. Lawyer agreement, communication, delivery, and termination requirements","Ordinary fee engagements","Separate Wyoming contingent-fee rules","Client control and termination","A3. When Wyoming consumer-credit agreement rules actually attach","Counseling is not automatically credit extension","Actual agreement consequences","Wyoming home-solicitation cancellation","A4. Conditional federal agreement and cancellation overlays","CROA: actual credit-improvement representations matter","TSR: disclosures before enrollment and specific settlement execution","Separate FTC Cooling-Off Rule","A5. Electronic assent, delivery, and retention","A6. Authority to negotiate, bind, receive, or release","A7. Cancellation is object-specific","C1. Actor and professional-agreement claims","C2. Credit-sale, solicitation, and credit-repair claims","C3. Electronic records, agency, and cases","C4. Federal authorization, cancellation separation, and additional agreement limits","E1. Wyoming contingent-fee packet—complete field and provision inventory","E2. CROA—complete statutory disclosure and cancellation fields","Separate precontract disclosure","Contract fields and near-signature notice","Duplicate cancellation form","E3. Wyoming home-solicitation form","E4. FTC Cooling-Off Rule form","Model 1 — A complete electronic contract cannot cure prohibited activity","Model 2 — Excluded nonprofit, electronic assent, but defective delivery","Model 3 — Lawyer contingent engagement: timely versus late rescission","Model 4 — CROA-covered service: business-day clock and delivery","Model 5 — Negotiation authority, binding authority, and TSR execution","Model 6 — Unearned legal advance: same balance, no double deduction","Model 7 — Provider’s own credit sale and overlapping solicitation rules","Smaller supported failure postures","G1. Assigned-question coverage","G2. Separate holds","G3. Contribution crosswalk","H1. Failed or incomplete source routes","H2. What was actually read","Component conclusion"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WY/pass-02","facets":{"geography":["us","us-wy"],"debt_type":[],"stage":["origination"],"subject":["agreements-disclosures"]},"scope":"ExactreviewedP01agreementcontents/cancellationremainingrow; focusedagreement/disclosure/authority/cancellationonly, notfullstate/funds/remedies","pending_corrections":2},"markdown":"# SettleADebt — S_WY PASS-02\n\n## Wyoming agreements, disclosures, authority, and cancellation\n\n**Actual fresh source-access date:** **October 27, 2026, Pacific.**\n**Historical assignment baseline:** October 22, 2026—not a current-verification date.\n\n**Scope:** This pass addresses the agreement/cancellation remainder identified in the reviewed P01 coverage row. It does not reopen the entire provider-fee investigation or complete the Wyoming parent dossier. Source-currentness, actual-actor, actual-contract, authority, earning, sector, remedies, local/tribal, provider-status, publication, and A066 holds remain as stated below.\n\nIn this report, **S001** means **S_WY-P2-S001**, and **C001** means **S_WY-P2-C001**. The source and claim registers give the full identifiers.\n\n## Principal conclusions\n\n**There is no single Wyoming “debt-relief agreement” rule or universal three-day cancellation period.** The applicable agreement requirements depend on the actual actor, service, compensation arrangement, sales channel, credit extension, representations, and authority granted.\n\nThe most consequential findings are these:\n\n1. **An agreement cannot authorize prohibited debt adjusting.** Chapter 14 continues to prohibit covered, nonexcluded fee-based debt adjustment. Its text contains no special consumer agreement form, disclosure schedule, or cancellation procedure. That is a bounded observation about Chapter 14—not a conclusion that excluded actors have no other obligations. **C001–C004.** [wyoleg.gov](https://wyoleg.gov/statutes/compress/title33.pdf)\n2. **Wyoming’s separate contingent-fee rules materially supplement Rule 1.5.** They require signed duplicates, delivery and delivery-proof retention, explanation of the rules, substantial conformity to the prescribed agreement, and a **three-calendar-day rescission provision**. Their definition reaches compensation contingent in whole or part on successful accomplishment of the legal matter; it is not confined to personal-injury cases. The prescribed agreement is nevertheless recovery-oriented, and this pass does not validate an adaptation for debt-reduction or debt-defense work. **C008–C013, C063.** [Wyoming Courts+1](https://www.wyocourts.gov/app/uploads/2025/01/RULES_GOVERNING_CONTINGENT_FEES_FR_MEMBERS_OF_THE_WYOMING_STATE_BAR-1.pdf)\n3. **Financing the provider’s own service fee can create a separate consumer-credit agreement problem.** A counselor does not become a lender merely by negotiating debts or distributing payments. But a qualifying sale of the provider’s services on credit can trigger Wyoming’s UCCC and, independently, Regulation Z. Those provisions do not create permission to conduct a Chapter 14-prohibited business. **C019–C022.** [Wyoming Legislature+1](https://wyoleg.gov/statutes/compress/title40.pdf)\n4. **Authority to negotiate, authority to bind, and federal fee entitlement are different questions.** Wyoming agency law and a properly scoped power of attorney can authorize particular acts. But the FTC’s debt-relief rulemaking expressly rejects a standing preapproval clause or provider-executed power of attorney as a substitute for the customer’s execution of the **specific settlement** required for the TSR fee trigger. **C043–C049, C053.** [Wyoming Legislature+2](https://wyoleg.gov/statutes/compress/title03.pdf)\n5. **Cancellation clocks must remain separate.** Wyoming’s contingent-fee form uses calendar days; CROA and qualifying home-solicitation laws use business days; Regulation E uses a financial institution’s business days for stop-payment notice. Service termination does not itself rescind a creditor compromise, revoke every agency authorization, close a bank account, or terminate a court appearance. **C013, C025, C030, C035, C058, C061.** [Wyoming Courts+3](https://www.wyocourts.gov/app/uploads/2025/01/RULES_GOVERNING_CONTINGENT_FEES_FR_MEMBERS_OF_THE_WYOMING_STATE_BAR-1.pdf)\n\n# A. Focused substantive findings\n\n## A1. Classify the actor and activity before selecting agreement language\n\n### Compact branch matrix\n\n| Actual branch | Threshold conditions | Agreement rules potentially applicable | What the agreement cannot accomplish |\n| --- | --- | --- | --- |\n| Nonexcluded fee-based debt adjuster | Debtor-fee contract to adjust, compromise, discharge, or receive/distribute debt payments within §33-14-101 | No Chapter 14 drafting pathway cures the prohibition | Create a license, exemption, or lawful fee entitlement |\n| Excluded nonprofit counseling service | Actual **tax-exempt nonprofit consumer credit counseling service**; not merely a nonprofit corporation or marketing label | General contract/agency law; applicable electronic-record law; conditional UCCC, sales-channel rules, federal credit-repair rules, and tax-qualification conditions | Bind creditors merely by enrolling the consumer; assume §501(c)(3), TSR, or CROA status from the Wyoming exclusion |\n| Wyoming lawyer or qualifying legal-practice situation | Exact §33-14-101 exclusion or §33-14-102(b) legal-practice predicate; applicable authorized-practice rules | Rules 1.2, 1.4, 1.5, 1.8, 1.15, 1.15A, 1.16; separate contingent-fee rules when triggered; conditional federal/UCCC rules | Convert a nonlawyer company into an excluded actor or make every act authorized by a general retainer |\n| Provider sells its own services on credit | Actual UCCC/Regulation Z creditor and transaction predicates | Credit disclosures and agreement limitations; possible home-solicitation cancellation | Authorize the underlying debt-adjusting activity |\n| Paid credit-improvement service | CROA definition met and no statutory exclusion | Separate statutory disclosure, signed and dated contract, delivery, waiting period, cancellation form, advance-payment restriction | Treat all debt counseling as credit repair, or exempt all attorneys/nonprofits |\n| Telemarketed debt-relief service | TSR jurisdiction, transaction, and exemption analysis satisfied | Pre-enrollment disclosures; payment authorization; specific-settlement execution; records; conditional dedicated-account exit | Treat a general power of attorney as customer execution of every future settlement |\n| Recurring debit authorization | Preauthorized electronic transfers from a covered consumer account | Regulation E authorization, copy, variation notice, and stop-payment rules | Serve as the service contract, creditor settlement, or universal cancellation instruction |\n| Power of attorney or other agency grant | Valid instrument, actual grant, governing law, continuing authority, and applicable limitations | Wyoming agency/POA law and transaction-specific law | Confer powers absent from the grant, compel a creditor to settle, or override a statutory prohibition |\n\n**Sources:** S001–S018; claims C001–C045, C050–C061. The branches can overlap; they are not mutually exclusive. [Wyoming Legislature+4](https://wyoleg.gov/statutes/compress/title33.pdf)\n\n### Chapter 14: prohibition first, then exclusion\n\nFresh inspection of the complete operative chapter confirms that the statute does not prescribe a debt-adjustment agreement, mandatory list of creditors, repayment schedule, consumer signature block, disclosure delivery method, retention period, or cancellation notice. It instead defines the activity and excluded persons, prohibits the nonexcluded business, and supplies a criminal consequence. A contract provision describing the service as “authorized,” “legal,” or “noncustodial” does not change those statutory elements. **C001–C004; S001, §§33-14-101–103.** [wyoleg.gov](https://wyoleg.gov/statutes/compress/title33.pdf)\n\nThe nonprofit exclusion requires the complete statutory description: **tax-exempt nonprofit consumer credit counseling service**. Chapter 14 does not define “tax exempt,” prescribe a recognition application, or say that every organization exempt under any tax provision qualifies. Federal §501(q), when applicable, is a separate tax-qualification rule—not a Wyoming operating authorization or approved consumer contract. Its requirements include tailored counseling, access despite inability to pay or unwillingness to enter a debt-management plan, reasonable/waivable fees, and restrictions on certain activities and financial relationships. No nonprofit-specific Wyoming agreement template was established in the sources read. **C002, C005, C062.** [Wyoming Legislature+1](https://wyoleg.gov/statutes/compress/title33.pdf)\n\nFor lawyers, Chapter 14’s status-based exclusion names a Wyoming-admitted individual and an all-Wyoming-bar copartnership or professional corporation. Section 102(b) separately addresses debt adjusting incurred in the practice of law in Wyoming. Current Rule 10 permits additional law-practice business forms, subject to its conditions, but it does not amend Chapter 14’s exclusion wording. An LLC’s permissible law-practice form is therefore not, by itself, proof of the status exclusion; actual legal practice and the applicable statutory branch still matter. Rule 10 also contains a specific allowance for nonlawyer directors of a nonprofit corporation where professional judgment is not impaired; “every director must always be a lawyer” would overstate it. **C003, C006, C074.** [Wyoming Legislature+2](https://wyoleg.gov/statutes/compress/title33.pdf)\n\n## A2. Lawyer agreement, communication, delivery, and termination requirements\n\n### Ordinary fee engagements\n\nRule 1.5 requires communication of the representation’s scope and the basis or rate of fees and expenses before or within a reasonable time after representation begins, except for a regularly represented client charged on the same basis or rate. The rule says **preferably in writing**; it does not turn every ordinary fee engagement into a mandatory signed written contract. Changes in the fee basis or rate must also be communicated. Reasonableness remains required. **C007; S004, Rule 1.5(a)–(b).** [wyocourts.gov](https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf)\n\nA contingent fee is different. Rule 1.5(c) requires a client-signed writing stating the calculation method, applicable percentages at different stages, expenses, whether expenses are deducted before or after calculation, and expenses for which the client remains liable regardless of outcome. At conclusion, the lawyer must provide a written statement of the outcome and, where there is a recovery, the remittance and its calculation. **C008.** [wyocourts.gov](https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf)\n\n### Separate Wyoming contingent-fee rules\n\nThe separate Rules Governing Contingent Fees add requirements that cannot be omitted by relying only on Rule 1.5:\n\n- **Rule 4:** written duplicates; the lawyer and each client sign; delivery or mailing of a signed duplicate to each client within a reasonable time; retention of a copy and delivery proof for three years after completion, settlement, or termination, **whichever event first occurs**.\n- **Rule 5(e):** furnish and fully explain the contingent-fee rules at entry.\n- **Rule 6:** substantial conformity to the prescribed agreement; changes to paragraphs I–XI that effectively change client rights have no force or effect unless sanctioned by the Wyoming district court that does or would have jurisdiction.\n- **Prescribed paragraph X:** immediate effectiveness, but three **calendar** days from the agreement’s stated date to rescind by the specified written notice method.\n\nThe commercial-account-collection and insurance-subrogation exception in Rule 3 removes those usual-practice arrangements from Rules 4 and 5. It is not a general exception for representing a consumer debtor and does not, by its terms, erase Rule 6. **C009–C013.** [Wyoming Courts+1](https://www.wyocourts.gov/app/uploads/2025/01/RULES_GOVERNING_CONTINGENT_FEES_FR_MEMBERS_OF_THE_WYOMING_STATE_BAR-1.pdf)\n\nThe prescribed form is substantially designed around recovery of a claim. Its percentage blanks and recovery-based presumptions are not verified debt-settlement fee caps. Adapting it to a savings-based defense engagement raises an unresolved form-conformity question; this pass does not approve that adaptation. **C063.** [Wyoming Courts](https://www.wyocourts.gov/app/uploads/2025/01/RULES_GOVERNING_CONTINGENT_FEES_FR_MEMBERS_OF_THE_WYOMING_STATE_BAR-1.pdf)\n\n### Client control and termination\n\nRule 1.2 reserves the settlement decision to the client. Rule 1.4 requires consultation, sufficient explanation, and communication of material developments and decisions requiring informed consent. The comments recognize that a client may authorize specified action in advance, but that does not make every general retainer an unlimited settlement grant. **C014.** [Wyoming Courts+1](https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf)\n\nRule 1.8(f) conditions third-party payment on informed consent, independence, and confidentiality. Rule 1.8(g) requires each client’s informed consent for an aggregate settlement and disclosure of the existence and nature of all claims or pleas and each person’s participation. **The Wyoming text read does not expressly add the ABA-model phrase “in a writing signed by the client” to paragraph (g); that language is not imported here.** Other writing requirements may still apply. **C015.** [Wyoming Courts+1](https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf)\n\nDischarge or withdrawal does not erase continuing obligations. Rule 1.16 requires protection of the client’s interests, reasonable notice, time to obtain other counsel, surrender of entitled papers/property, and refund of an unearned advance. A tribunal’s permission may be necessary, and a lawyer may have to continue when ordered. No universal numerical refund deadline appears in the professional provisions read. **C016–C018.** [Wyoming Courts](https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf)\n\nThe current Rule 1.15 text is the version labeled effective **September 21, 2026**, not the earlier version also printed in the compilation. It requires unearned advance fees to remain in trust until earned. The compilation records a July 21, 2026 amendment; the separate amendment order was not successfully retrieved, so the order’s complete contents are held. **C017, C073.** [Wyoming Courts+1](https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf)\n\n## A3. When Wyoming consumer-credit agreement rules actually attach\n\n### Counseling is not automatically credit extension\n\nUnder §40-14-204, a consumer credit sale requires, among other things, a seller regularly engaging in credit transactions of the same kind, a nonorganizational buyer, primarily personal/family/household purposes, and either installments or a credit service charge. For services, the state amount-financed ceiling is $75,000. The definition excludes specified lender-credit-card purchases unless brought within the act by the statutory agreement mechanism. “Services” and “sale of services” include furnishing or agreeing to furnish personal services. **C019.** [Wyoming Legislature](https://wyoleg.gov/statutes/compress/title40.pdf)\n\nThe state installment definition and regular-engagement definition must be tested separately; recurring charges for newly supplied monthly services are not automatically installment financing of a previously incurred service debt. Nor does receiving payments for creditors automatically make the counselor the creditor on those debts. **C019.** [Wyoming Legislature+1](https://wyoleg.gov/statutes/compress/title40.pdf)\n\nThe UCCC has its own territorial provisions, including certain Wyoming-resident transactions entered in Wyoming after advertising or offers into the state. It also restricts contrary governing-law, jurisdiction, and venue provisions when applicable. The exclusions read concern government credit, specified insurance transactions, and regulated utility/common-carrier transactions; they are not a blanket attorney or nonprofit exception. Registration for consumer credit sales, when required, remains separate from Chapter 14 permission. **C020.** [Wyoming Legislature+1](https://wyoleg.gov/statutes/compress/title40.pdf)\n\n### Actual agreement consequences\n\nFor an applicable credit sale, §40-14-222(f) connects disclosure compliance to the federal Consumer Credit Protection Act. Regulation Z independently requires its own creditor/transaction predicates; the provider must not simply borrow disclosures from a lender’s loan. In an ordinary covered closed-end credit transaction, required disclosures are clear, conspicuous, retainable, and generally delivered before consummation. They concern the creditor, amount financed, applicable finance charge/APR, payments, total payments or sale price as applicable, and conditional default, security, insurance, prepayment, and other terms. There are specific exceptions, including a small-finance-charge APR exception; this is not an “every field always applies” checklist. **C021–C022, C072.** [Wyoming Legislature+3](https://wyoleg.gov/statutes/compress/title40.pdf)\n\nAdditional state agreement limitations include nonwaiver, restrictions on noncheck negotiable instruments and assignments of earnings, referral-inducement arrangements, default-charge provisions, and a prohibition on authorization to confess judgment. These are conditional credit-sale limits, not universal debt-counseling clauses. **C064–C070.** [Wyoming Legislature+3](https://wyoleg.gov/statutes/compress/title40.pdf)\n\n### Wyoming home-solicitation cancellation\n\nA qualifying Wyoming home-solicitation sale is a **consumer credit sale** of at least $25 involving the specified personal solicitation and off-premises agreement. Exclusions include buyer-initiated transactions consummated entirely by telephone/mail, preexisting revolving accounts, and specified prior negotiations at a fixed business establishment. **C023.** [Wyoming Legislature](https://wyoleg.gov/statutes/compress/title40.pdf)\n\nThe buyer ordinarily may cancel until midnight of the third business day after signing a compliant agreement or offer. Written notice goes to the seller at the stated address. Properly addressed, prepaid mailed notice is effective when deposited, and no special wording is necessary if the writing communicates the intention not to be bound. The statutory period does not run from a noncompliant document as though compliance had occurred. **C024–C025.** [Wyoming Legislature+1](https://wyoleg.gov/statutes/compress/title40.pdf)\n\nThe emergency exception is factual: a buyer requests immediate performance because of an emergency and the seller in good faith substantially begins before cancellation; goods also must be nonreturnable in substantially their received condition. A generic waiver is not a substitute. **C026.** [Wyoming Legislature](https://wyoleg.gov/statutes/compress/title40.pdf)\n\nThere is a material textual discrepancy:\n\n- The mandated cancellation notice promises return within **ten business days**.\n- The operative return provision, §40-14-254, says **ten days** without “business.”\n- Section 40-14-255(c) denies compensation for services performed before a cancellation under this part.\n\nNo published Wyoming decision reconciling the ten-day wording was established. This report preserves both texts rather than silently substituting one for the other. **C027.** [wyoleg.gov](https://wyoleg.gov/statutes/compress/title40.pdf)\n\n## A4. Conditional federal agreement and cancellation overlays\n\n### CROA: actual credit-improvement representations matter\n\nCROA is not universally applicable to settlement or counseling. Its paid credit-improvement purpose, interstate-commerce/mails, consumer, and exclusion elements must be met. The statutory nonprofit exclusion concerns an organization exempt under **§501(c)(3)**; that is not identical to Wyoming’s undefined “tax-exempt nonprofit consumer credit counseling service” description. The statute also contains specified creditor and institutional exclusions, but no blanket attorney exclusion. **C031.** [US Code](https://uscode.house.gov/us/usc/119-134/t15/s1679a/)\n\nWhen CROA applies, the organization must provide the complete separate statutory disclosure **before** execution, obtain and retain a signed acknowledgment for two years, enter a signed and dated written contract containing the required terms, provide copies at signing, and observe both the waiting period and cancellation right. The consumer’s right is measured in **business days**, notwithstanding the shorter “3rd day” wording printed in the statute’s cancellation-form subsection. Rights cannot be waived, and a noncomplying contract is not rendered enforceable by an electronic signature or a lawyer’s involvement. **C032–C036.** [US Code+3](https://uscode.house.gov/us/usc/119-134/t15/s1679c/)\n\n**Fresh-route qualification:** Sections 1679a–f were freshly read in OLRC bodies displaying laws through **Public Law 119-134, October 20, 2026**. Section 1679j was freshly read only through **Public Law 119-124, October 15, 2026**. This is not reuse of P01’s earlier bodies and is not certification of changes after those source dates.\n\n### TSR: disclosures before enrollment and specific settlement execution\n\nFor a covered debt-relief telemarketing transaction, the disclosure timing is **before enrollment**, not merely before the first fee. Material disclosures include total cost and restrictions, applicable refund/cancellation information, time to results, the required accumulation of funds for each creditor, risks of stopping payments when the service relies on that conduct, and specified dedicated-account ownership/exit information when such an account is required. **C050–C051.** [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310)\n\nThe debt-relief fee trigger requires the customer’s execution of the specific debt alteration and the required payment. The 2010 final rulemaking explains that execution may be oral or written, but a provider cannot substitute general advance approval or its own execution under a power of attorney. For a DMP, the relevant creditor agreements must actually bind the creditors; the provider’s own enrollment document is not their assent. **C053.** [Federal Register+1](https://www.federalregister.gov/citation/75-FR-48516)\n\nWhere the dedicated-account provision applies, the customer must be able to leave the service without penalty and receive the account funds, less fees properly earned under the rule, within seven business days. That is not a universal three-day rescission rule and does not itself unwind a creditor settlement. **C054, C061.** [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310)\n\nThe current TSR record rule generally requires **five years**, with record-specific starting points. The older FTC business guide’s two-year discussion is not used as the current rule. The 2024 final rule and current §310.5 were checked for this distinction. **C055.** [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310)\n\n### Separate FTC Cooling-Off Rule\n\nThe federal rule is distinct from Wyoming’s credit-sale rule. It can reach qualifying cash **or** credit sales of consumer goods/services—at least $25 at the buyer’s residence or $130 at other covered locations—subject to the rule’s solicitation and exclusion conditions. Entirely mail/telephone transactions without other contact are excluded; the emergency exclusion requires its own buyer-authored written statement and waiver conditions. **C028.** [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-429/section-429.0)\n\nWhen applicable, the rule requires a dated receipt or contract copy, prescribed notice near the signature or on the receipt, duplicate cancellation forms, completion of the deadline and seller fields, and oral notice of the right at signing. Its “business day” definition excludes Sundays and federal holidays. Its refund period is ten business days after receipt of cancellation. **C029–C030.** [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-429/section-429.1)\n\n## A5. Electronic assent, delivery, and retention\n\nWyoming UETA makes electronic records and signatures legally usable when its scope and agreement-to-transact-electronically conditions are met. Attribution still requires proof that the act was the person’s act; a typed name, checkbox, or credential does not prove authority by itself. Required records must be capable of retention at receipt, and a system that inhibits printing or storage can fail the delivery requirement. Other substantive content, timing, and prescribed delivery methods remain operative. **C037–C039.** [Wyoming Legislature+2](https://wyoleg.gov/statutes/compress/title40.pdf)\n\nWhere E-SIGN’s consumer-disclosure provision applies to legally required writing, affirmative consent must follow the specified paper-option, withdrawal, scope, procedure, hardware/software, and access-demonstration disclosures. Withdrawal is prospective under the statute’s conditions; failure of the access-demonstration component alone is not automatically a declaration that the underlying contract is void. E-SIGN does not require consumers to accept electronic delivery. **C040–C041.** [US Code](https://uscode.house.gov/us/usc/119-121/t15/s7001/)\n\nNeither UETA nor E-SIGN automatically converts a prescribed **registered-mail** rescission method into email. Nor does E-SIGN replace court-filing rules; court documents and specified notices are among its statutory exceptions. **C039, C042.** [Wyoming Legislature+1](https://wyoleg.gov/statutes/compress/title40.pdf)\n\n## A6. Authority to negotiate, bind, receive, or release\n\nWyoming’s power-of-attorney statute recognizes an actual grant of authority in a writing or record. Execution generally requires the principal’s signature or a signature directed in the principal’s conscious presence. Acknowledgment creates a presumption of genuineness; it is not correct to say notarization is universally required for every power under §3-9-105. **C043.** [Wyoming Legislature](https://wyoleg.gov/statutes/compress/title03.pdf)\n\nA grant incorporating general authority over “claims and litigation” can include compromise, release, payment, receipt, and other enumerated acts under §3-9-212, unless limited by the instrument or other law. Thus, “a power of attorney can never authorize settlement” would also be incorrect. But a negotiation-only authorization is not automatically that broad grant; creditor assent is still necessary; and an otherwise prohibited confession-of-judgment clause is not rescued by the POA statute. **C044, C069.** [Wyoming Legislature+1](https://wyoleg.gov/statutes/compress/title03.pdf)\n\nRevocation, expiration, death, and other statutory events can terminate authority. The statute also protects certain good-faith acts without actual knowledge of termination; execution of a later power does not automatically revoke every earlier power. Acceptance of a power is not an obligation to enter the proposed underlying settlement. **C045.** [Wyoming Legislature+1](https://wyoleg.gov/statutes/compress/title03.pdf)\n\nThe four published cases examined below support a fact-sensitive distinction: assent and authority may exist without the final formal document, but a signed document may also lack essential terms, and an attorney’s professional relationship does not itself prove authority for every disposition. **C046–C049.** [OpenJurist+3](https://openjurist.org/68/wyo/301/mcconnell-v-dixon)\n\n## A7. Cancellation is object-specific\n\n| Object being ended or challenged | Applicable mechanism—not an interchangeable substitute |\n| --- | --- |\n| Provider-service agreement | Applicable contract, contingent-fee rescission, CROA, home-solicitation, or other actually triggered rule |\n| Lawyer-client relationship | Discharge/withdrawal under Rule 1.16, with protective duties and possible tribunal permission |\n| Creditor compromise | Its formation, terms, conditions, authority, and applicable law; provider-service cancellation alone does not undo it |\n| Agency/POA authority | Instrument and applicable revocation/termination law, including notice/knowledge issues |\n| Recurring bank debit | Regulation E authorization, revocation/stop-payment rules, plus the relevant payment arrangement |\n| Bank account itself | Account relationship; not resolved merely by canceling the service |\n| Consumer credit secured by principal dwelling | Conditional TILA rescission; not a general unsecured service-contract right |\n| Court appearance, filing, dismissal, or judgment | Applicable court procedure; not terminated solely by a private service notice |\n\nThis separation is an inference from the distinct legal objects and triggers, not a newly discovered universal Wyoming cancellation statute. **C016, C035, C045, C054, C057–C061.** [Wyoming Courts+4](https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf)\n\n# B. Source register\n\n**All entries were freshly accessed on October 27, 2026, Pacific.** “Current” below describes the retrieved source’s presentation, not an independently completed legislative or citator audit through that date. HTML sources have no printed/PDF page. For the legislative PDFs, no separate printed page number was visible in the cited portions; the listed numbers are **zero-based PDF indices**.\n\n| Source ID | Issuer, document, complete literal URL | Pinpoint, version/effect, and actual read extent |\n| --- | --- | --- |\n| **S_WY-P2-S001** | Wyoming Legislature, **Title 33**. https://wyoleg.gov/statutes/compress/title33.pdf | **Complete operative Chapter 14** read, §§33-14-101–103; PDF indices **110–111**, text and images. Official retrieved compilation; exact consolidation-through date not printed. No fresh historical effective-date claim. [wyoleg.gov](https://wyoleg.gov/statutes/compress/title33.pdf) |\n| **S_WY-P2-S002** | Wyoming Legislature, **Title 40**. https://wyoleg.gov/statutes/compress/title40.pdf | Selected complete clauses: §§40-14-103, -106–107, -120–121, -140 definitions, -202, -204–205, -222(f), -235–256; UETA §§40-21-102–112. UCCC indices **121–160** as relevant; home-solicitation **156–160**; UETA selected text, image at **284**. Not full Title 40. Official compilation, exact through-date unstated. [Wyoming Legislature+3](https://wyoleg.gov/statutes/compress/title40.pdf) |\n| **S_WY-P2-S003** | Wyoming Legislature, **Title 3, Uniform Power of Attorney Act**. https://wyoleg.gov/statutes/compress/title03.pdf | Selected §§3-9-102–110, -120, -122, -201–202, and **complete §212**. Indices **63–69, 77–79, 89–90** as relevant; §212 image inspected. Not all special powers, agent duties, or statutory form. [Wyoming Legislature+2](https://wyoleg.gov/statutes/compress/title03.pdf) |\n| **S_WY-P2-S004** | Wyoming Supreme Court, **Rules of Professional Conduct, effective September 21, 2026 compilation**. https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf | Selected operative Rules 1.0, 1.2, 1.4, 1.5, 1.8(f)–(g), **current** 1.15, 1.15A, 1.16, 5.3. Rule 1.5 begins printed **p.19/index18**; 1.8(g) **p.37/index36**; current 1.15 begins **p.66/index65**, history **p.71/index70**; 1.16 **pp.74–75/indices73–74**. Compilation records July 21, 2026 amendment effective Sept.21; separate order not recovered. Old 1.15 not used as current. [Wyoming Courts+2](https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf) |\n| **S_WY-P2-S005** | Wyoming Supreme Court, **Authorized Practice rules, November 2021 compilation**, still linked by current rules page. https://www.wyocourts.gov/app/uploads/2025/01/RULES-GOVERNING-THE-WYOMING-STATE-BAR-AND-THE-AUTHORIZED-PRACTICE-OF-LAW-Nov-2021-1.pdf | **Rule 7(a)–(b)** and relevant exceptions selected; printed **p.2/index1**, following exceptions. Old Rule 10 not used. Current locator: https://www.wyocourts.gov/court-rules/rules-governing-the-wyoming-state-bar-and-the-authorized-practice-of-law/—locator and document are not independent corroboration. [Wyoming Courts+1](https://www.wyocourts.gov/app/uploads/2025/01/RULES-GOVERNING-THE-WYOMING-STATE-BAR-AND-THE-AUTHORIZED-PRACTICE-OF-LAW-Nov-2021-1.pdf) |\n| **S_WY-P2-S006** | Wyoming Supreme Court, **Order Amending Rule 10**. https://www.wyocourts.gov/app/uploads/2025/11/Order-Amending-Rule-10-for-the-Authorized-Practice-of-Law-Effective-Jan-2026.pdf | **All five pages read**; order dated **Nov.25, 2025**, effective **Jan.26, 2026**; order index0 and amended rule. Images inspected. Actual final order, not proposal. [Wyoming Courts](https://www.wyocourts.gov/app/uploads/2025/11/Order-Amending-Rule-10-for-the-Authorized-Practice-of-Law-Effective-Jan-2026.pdf) |\n| **S_WY-P2-S007** | Wyoming Supreme Court, **Rules Governing Contingent Fees and Attachments I–IV**. https://www.wyocourts.gov/app/uploads/2025/01/RULES_GOVERNING_CONTINGENT_FEES_FR_MEMBERS_OF_THE_WYOMING_STATE_BAR-1.pdf | **All operative rules and all four blank attachments read**, 11 pages. Rules1–6 **pp.1–3/indices0–2**; agreement **pp.4–7/indices3–6**; medical authorization **p.8/index7**; gross distribution **p.9/index8**; net distribution **pp.10–11/indices9–10**. Typesetting date March2,2016 and upload path are not legal effective dates; printed Rule5 amendment Jan31,1987/effective May5,1987. Current court locator: https://www.wyocourts.gov/court-rules/rules-governing-contingent-fees-for-members-of-the-wyoming-state-bar/. No complete later-amendment certification. [Wyoming Courts+2](https://www.wyocourts.gov/app/uploads/2025/01/RULES_GOVERNING_CONTINGENT_FEES_FR_MEMBERS_OF_THE_WYOMING_STATE_BAR-1.pdf) |\n| **S_WY-P2-S008** | U.S. House OLRC, **CROA access group**. https://uscode.house.gov/us/usc/119-134/t15/s1679a/ ; https://uscode.house.gov/us/usc/119-134/t15/s1679b/ ; https://uscode.house.gov/us/usc/119-134/t15/s1679c/ ; https://uscode.house.gov/us/usc/119-134/t15/s1679d/ ; https://uscode.house.gov/us/usc/119-134/t15/s1679e/ ; https://uscode.house.gov/us/usc/119-134/t15/s1679f/ ; https://uscode.house.gov/us/usc/119-124/t15/s1679j/ | Complete operative sections listed read. §§a–f display through **PL119-134, Oct20,2026**; §j through **PL119-124, Oct15,2026**. Initial failed routes were not treated as reads. Later law beyond source currency not established. [US Code+5](https://uscode.house.gov/us/usc/119-134/t15/s1679a/) |\n| **S_WY-P2-S009** | OLRC, **E-SIGN access group**. https://uscode.house.gov/us/usc/119-121/t15/s7001/ ; https://uscode.house.gov/us/usc/119-121/t15/s7002/ ; https://uscode.house.gov/us/usc/119-121/t15/s7003/ | §§7001–7002 operative text read; selected §7003 exclusions read. Currency **PL119-121, Oct9,2026**. No claim of later-law verification. [US Code+2](https://uscode.house.gov/us/usc/119-121/t15/s7001/) |\n| **S_WY-P2-S010** | OLRC, **26 U.S.C. §501(q)**. https://uscode.house.gov/us/usc/119-134/t26/s501/ | **Entire subsection (q)(1)–(4)** read, not all §501. Through **PL119-134, Oct20,2026**. Federal tax qualification, not Wyoming authorization. [US Code](https://uscode.house.gov/us/usc/119-134/t26/s501/) |\n| **S_WY-P2-S011** | eCFR, **16 C.F.R. Part 310, TSR**. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6 | Selected complete operative clauses in §§310.2, .3(a)(1)–(3), .4(a)(2),(5),(7), .4(d), .5, .6. Display through **Oct23,2026**, Title16 last amended Oct19. This is not a complete Federal Register audit through Oct27. [eCFR+2](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310) |\n| **S_WY-P2-S012** | FTC, **2010 debt-relief final rule**, 75 FR48458–48523. https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf ; companion https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule | Selected final-rule dates and preamble §III.C.5.a, especially **p.48489/index31**, adjacent allocation discussion **p.48490/index32**. Images inspected. Effective Sept27,2010 except §310.4(a)(5), effective Oct27,2010. Historical final rule crosschecked against S011; not all66 pages read. [GovInfo+1](https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf) |\n| **S_WY-P2-S013** | FTC, **2024 TSR final rule**, 89 FR26760–26786. https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf ; companion https://www.federalregister.gov/documents/2024/04/16/2024-07180/telemarketing-sales-rule | Dates and selected final recordkeeping amendments, **pp.26784–26785/indices24–25**, images inspected. Effective May16,2024; §310.5(a)(2) compliance Oct15,2024. Not full preamble or every subsequent amendment. [GovInfo+1](https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf) |\n| **S_WY-P2-S014** | FTC, **Debt Relief Services & TSR: Guide for Business**. https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business | Selected coverage/jurisdiction guidance read. **Staff operational explanation**, not statute or final rule. Its older two-year retention discussion is not used against current S011/S013. [Federal Trade Commission](https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business) |\n| **S_WY-P2-S015** | eCFR, **16 C.F.R. Part429 Cooling-Off Rule**. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-429/section-429.0 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-429/section-429.1 | Complete operative definitions, exclusions, duties, and blank notice read. Through Oct23,2026. Federal solicitation predicate distinct from state UCCC. [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-429/section-429.0) |\n| **S_WY-P2-S016** | FTC, **2015 Cooling-Off threshold final rule**, 80 FR1329–1334. https://www.govinfo.gov/content/pkg/FR-2015-01-09/pdf/2015-00164.pdf ; companion https://www.federalregister.gov/documents/2015/01/09/2015-00164/trade-regulation-rule-concerning-cooling-off-period-for-sales-made-at-homes-or-at-certain-other | Introductory dates and operative amendment, **p.1332/index3**, image inspected. Effective **March13,2015**. Separate commissioner statements not treated as majority rule. [GovInfo+1](https://www.govinfo.gov/content/pkg/FR-2015-01-09/pdf/2015-00164.pdf) |\n| **S_WY-P2-S017** | CFPB, **Regulation E and official interpretations**. https://www.consumerfinance.gov/rules-policy/regulations/1005/10/ ; https://www.consumerfinance.gov/rules-policy/regulations/1005/2/ | §1005.10(b)–(e) and relevant commentary read; selected account/business-day definitions. Labeled current, no independently established Oct27 consolidation date. No complete electronic-transfer/remedies investigation. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1005/10/) |\n| **S_WY-P2-S018** | CFPB/eCFR, **Regulation Z access group**. https://www.consumerfinance.gov/rules-policy/regulations/1026/2/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/17/ ; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18 ; https://www.consumerfinance.gov/rules-policy/regulations/1026/25/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/23/ | Selected creditor definition; §17 disclosure form/timing and identified exceptions; relevant §18 contents; §25(a) retention; §23 principal-dwelling predicate only. Not full mortgage/open-end/series-of-sales analysis. eCFR display through Oct23; CFPB pages labeled current. [Consumer Financial Protection Bureau+4](https://www.consumerfinance.gov/rules-policy/regulations/1026/2/) |\n| **S_WY-P2-S019** | Wyoming Supreme Court, **McConnell v. Dixon**, June26,1951, 68Wyo301, 233P.2d877; judicial text reproduced by OpenJurist. https://openjurist.org/68/wyo/301/mcconnell-v-dixon | Selected actual opinion: facts **pp.313–317**, authority **pp.335–340**, disposition **pp.351–352**. Not entire opinion. Mirror’s automated headnotes/history badges not evidence. [OpenJurist+2](https://openjurist.org/68/wyo/301/mcconnell-v-dixon) |\n| **S_WY-P2-S020** | Wyoming Supreme Court, **Dameron v. Lythgoe**, Dec31,1986, 730P.2d799; judicial text reproduced by Justia. https://law.justia.com/cases/wyoming/supreme-court/1986/121739.html | **Entire majority ¶¶1–17 and footnote1 read.** Authority principally ¶¶11–16; disposition ¶17. No complete later-history check. [Justia Law+1](https://law.justia.com/cases/wyoming/supreme-court/1986/121739.html) |\n| **S_WY-P2-S021** | Wyoming Supreme Court, **Matter of Estate of McCormick**, Nov6,1996, 926P.2d360; judicial text reproduced by Justia. https://law.justia.com/cases/wyoming/supreme-court/1996/123363.html | **Entire majority ¶¶1–17 read**; formation ¶¶9–15, waived statute-of-frauds issue ¶16, affirmance ¶17. No complete later-history check. [Justia Law+1](https://law.justia.com/cases/wyoming/supreme-court/1996/123363.html) |\n| **S_WY-P2-S022** | Wyoming Supreme Court, **Cross v. Albright**, July8,2026, 2026WY75, official slip opinion. https://stwjbopinions.blob.core.usgovcloudapi.net/wsc-opinions/Cross%2025-0297.pdf | Selected majority facts and analysis, especially ¶¶1–11,17–36; printed **pp.1–10/indices1–10**, relevant image p.7/index7. Slip opinion expressly subject to formal revision before reporter publication. Final reporter and later history not verified. [STWJ BOP Opinions+2](https://stwjbopinions.blob.core.usgovcloudapi.net/wsc-opinions/Cross%2025-0297.pdf) |\n\n# C. Claim register\n\n**Confidence terminology:** “High—text” means the cited text clearly states the rule, subject to the source-currentness limits. “Conditional” means the rule is clear but actual applicability requires facts not supplied. “Held” identifies an unresolved interpretation or missing source.\n\n## C1. Actor and professional-agreement claims\n\n| Claim ID | Actor/object/trigger → required step or consequence | Exceptions, limitations, confidence | Source/pinpoint |\n| --- | --- | --- | --- |\n| **S_WY-P2-C001** | Nonexcluded person undertaking covered fee-based debt adjustment → Chapter14 prohibition remains; a service contract cannot supply permission. | High—text; no general civil-remedy conclusion. | S001, §§33-14-101(a)(ii), -102(a). |\n| **S_WY-P2-C002** | Claimed nonprofit exclusion → actual tax-exempt nonprofit **consumer credit counseling service** must be established. | “Tax exempt” undefined; incorporation/name alone insufficient. Conditional. | S001, §33-14-101(a)(i). |\n| **S_WY-P2-C003** | Claimed lawyer exclusion → Wyoming-bar individual, enumerated all-Wyoming-bar entity, or actual §102(b) legal-practice situation. | Attorney affiliation alone does not establish the branch. Conditional. | S001, §§101(a)(i),102(b). |\n| **S_WY-P2-C004** | Complete Chapter14 inspection → no special agreement contents, signature, delivery, retention, or cancellation regime appears there. | Bounded text observation, not absence of other law. High. | S001, complete chapter. |\n| **S_WY-P2-C005** | Organization within §501(q) → tailored counseling, access protections, reasonable/waivable fee policy and other tax-qualification conditions. | Federal tax rule; not state authorization, creditor assent, or approved form. Conditional. | S010, §501(q)(1)–(4). |\n| **S_WY-P2-C006** | Legal-service branch → actual authorized practice and applicable business-form conditions. | Current Rule10 forms do not rewrite Chapter14; nonprofit-board exception preserved. High/conditional. | S005, Rule7; S006, Rule10. |\n| **S_WY-P2-C007** | Ordinary lawyer engagement → communicate scope, fee/rate and expenses before or within reasonable time; changes communicated. | Writing **preferred**, not categorically mandatory; regular-client/same-basis exception. High. | S004, Rule1.5(a)–(b). |\n| **S_WY-P2-C008** | Contingent lawyer fee → client-signed writing with calculation, stage percentages, expenses, deduction method, and outcome statement. | Prohibited contingent categories remain; not a debt-settlement fee cap. High. | S004, Rule1.5(c)–(d). |\n| **S_WY-P2-C009** | Compensation contingent wholly/partly on successful accomplishment → separate contingent-fee rules potentially apply. | Reasonable-value-in-any-event arrangement excluded; Rule3 collection/subrogation exception only as stated. High/conditional. | S007, Rules1,3. |\n| **S_WY-P2-C010** | Covered contingent engagement → written duplicates signed by lawyer and each client; signed copy mailed/delivered to each client within reasonable time. | Rule3 exception for specified usual-practice arrangements. High. | S007, Rule4. |\n| **S_WY-P2-C011** | Covered contingent engagement → retain agreement and delivery proof three years after first applicable completion/settlement/termination event. | Does not displace longer client-file or other retention duties. High. | S007, Rule4; S004, Rule1.15A. |\n| **S_WY-P2-C012** | Entry into contingent contract → furnish/explain rules; include prescribed provisions substantially in form. | Rights-changing modifications to I–XI ineffective absent specified district-court sanction. High. | S007, Rules5(e),6. |\n| **S_WY-P2-C013** | Prescribed contingent agreement → three-calendar-day rescission from stated date, by written registered-mail postmark or actual delivery to attorney before end of third day. | No verified email substitution or separate exact-date computation rule. High text; application conditional. | S007, AttachmentI, ¶X. |\n| **S_WY-P2-C014** | Lawyer handling settlement → client controls settlement decision; lawyer communicates and consults. | Specific advance authority possible; not unlimited by general retainer. High. | S004, Rules1.2(a),1.4 and relevant comments. |\n| **S_WY-P2-C015** | Third-party fee payment/aggregate settlement → informed consent and specified independence/confidentiality or full participation disclosures. | Wyoming Rule1.8(g) read does not expressly require a signed writing; other rules may. High. | S004, Rule1.8(f)–(g). |\n| **S_WY-P2-C016** | Discharge/withdrawal → protect client, give reasonable notice/time, surrender entitled materials; obey applicable tribunal permission/order. | Private termination does not automatically terminate court representation. High. | S004, Rule1.16. |\n| **S_WY-P2-C017** | Unearned legal advance → trust until earned; termination → refund unearned portion. | Earning/dispute/federal timing facts required; no universal numeric refund deadline established. High/conditional. | S004, current Rule1.15(d), Rule1.16(d). |\n| **S_WY-P2-C018** | Client file requested/representation ends → delivery and retention duties under Rule1.15A. | Default five-year retention subject to delivery, agreed alternatives, minors, intrinsic-value documents, pending matters and longer duties; not three years universally. High. | S004, Rule1.15A. |\n\n## C2. Credit-sale, solicitation, and credit-repair claims\n\n| Claim ID | Actor/object/trigger → required step or consequence | Exceptions, limitations, confidence | Source/pinpoint |\n| --- | --- | --- | --- |\n| **S_WY-P2-C019** | Provider finances its own services → test regular seller, consumer purpose, installments/charge, amount and exclusions. | Ordinary counseling/payment distribution is not automatically credit; future monthly services require factual analysis. Conditional. | S002, §§40-14-140(a)(xiii),(xxvi),204–205. |\n| **S_WY-P2-C020** | Applicable UCCC transaction → territorial and exclusion provisions govern; separate credit-sale registration may apply. | No displacement of entity-power limits or Chapter14 prohibition; specified choice-of-law/venue clauses invalid when §120 applies. High/conditional. | S002, §§107(d)(ii),120–121,202. |\n| **S_WY-P2-C021** | Covered consumer credit sale → federal CCPA disclosures under state §222(f); Regulation Z creditor predicates independently tested. | No automatic application of creditor-loan disclosure duties to counselor. High/conditional. | S002, §222(f); S018, §1026.2(a)(17). |\n| **S_WY-P2-C022** | Covered closed-end credit → clear, conspicuous, retainable disclosures generally before consummation, with applicable §18 fields. | Specific mail/telephone and other exceptions; APR de-minimis and field-specific exceptions; open-end/series models not validated. High/conditional. | S018, §§1026.17–18. |\n| **S_WY-P2-C023** | Wyoming off-premises personal solicitation of ≥$25 consumer credit sale → home-solicitation branch. | Buyer-initiated entirely phone/mail, preexisting revolving account, prior fixed-premises negotiations excluded. High. | S002, §40-14-251. |\n| **S_WY-P2-C024** | Covered nonemergency home solicitation → buyer-signed, dated, same-language agreement; seller name/address; near-signature notice; duplicate detachable cancellation form. | Statutory emergency branch preserved; no invented general debt-counseling form. High. | S002, §253. |\n| **S_WY-P2-C025** | Buyer signs compliant home-sale agreement → cancellation until midnight third business day afterward; written notice to stated seller address. | Properly addressed/prepaid mailing effective on deposit; sufficient written intent; noncompliance prevents ordinary clock from running. High. | S002, §§252(a)–(d),253(d). |\n| **S_WY-P2-C026** | Claimed state emergency exception → buyer requests immediate emergency service and good-faith substantial performance begins before cancellation. | Goods additionally nonreturnable in substantially received condition; generic waiver not sufficient. High. | S002, §252(e). |\n| **S_WY-P2-C027** | Valid state home-sale cancellation → statutory return duties; no compensation for pre-cancellation services. | §254 says ten **days**; §253 form says ten **business days**. Reconciliation held. | S002, §§253(c),254,255(c). |\n| **S_WY-P2-C028** | Covered FTC off-premises consumer sale → Part429 applies at $25 home/$130 other-location thresholds. | Cash or credit; complete exclusions, including no-contact mail/phone and specific emergency conditions. High/conditional. | S015, §429.0; S016 final amendment. |\n| **S_WY-P2-C029** | Covered FTC sale → receipt/contract copy, prescribed near-signature/front notice, duplicate completed cancellation forms, oral notice at execution. | Language, formatting, and complete-copy conditions apply. High. | S015, §429.1(a)–(e). |\n| **S_WY-P2-C030** | FTC cancellation branch → third-business-day right; refund within ten business days after notice received. | Business day excludes Sunday/federal holiday; no actual holiday calendar computed. High. | S015, §§429.0(d),429.1(b),(g). |\n| **S_WY-P2-C031** | Paid credit-improvement service within CROA definition → CROA applies unless statutory exclusion. | Actual §501(c)(3), specified own-creditor and institutional exclusions; no blanket attorney exemption. High/conditional. | S008, §1679a. |\n| **S_WY-P2-C032** | CROA contract contemplated → separate full statutory disclosure before execution; consumer-signed receipt acknowledgment retained two years. | Not embedded only in contract or other materials. High. | S008, §1679c(a)–(c). |\n| **S_WY-P2-C033** | CROA service contract → consumer-signed, dated writing with required payment, service, timing, identity and notice terms; no services before waiting period ends. | Statutory three-business-day service waiting period; no universal application outside CROA. High. | S008, §1679d. |\n| **S_WY-P2-C034** | CROA contract or other required document signed → deliver completed contract/disclosure and copy of every required signed document at signing. | E-delivery must satisfy applicable electronic-writing rules. High. | S008, §1679e(c). |\n| **S_WY-P2-C035** | CROA execution → cancel before midnight third business day beginning afterward; prescribed duplicate bold notice. | Form subsection says “3rd day”; substantive right says business day. Do not shorten right. High. | S008, §§1679d(b)(4),1679e(a)–(b). |\n| **S_WY-P2-C036** | CROA-covered service → no payment before full performance; no waiver; noncomplying contract void/not enforceable. | State law preserved when not inconsistent; broader remedies not investigated. High. | S008, §§1679b(b),1679f,1679j. |\n\n## C3. Electronic records, agency, and cases\n\n| Claim ID | Actor/object/trigger → required step or consequence | Exceptions, limitations, confidence | Source/pinpoint |\n| --- | --- | --- | --- |\n| **S_WY-P2-C037** | UETA transaction with agreement to transact electronically → electronic form/signature cannot be rejected solely because electronic. | Scope exclusions and substantive law remain; no forced electronic dealing. High. | S002, §§40-21-103–107. |\n| **S_WY-P2-C038** | Electronic assent/delivery → prove actual attribution and provide retainable record; retained record accurate and accessible. | E-signature is not proof of agency scope; print/save inhibition can defeat required delivery. High. | S002, §§108–109,112. |\n| **S_WY-P2-C039** | Law prescribes content, timing, format or delivery method → electronic transaction must still satisfy it. | No automatic email substitution for registered mail; nonwaivable provisions preserved. High. | S002, §108; S007, AttachmentI ¶X. |\n| **S_WY-P2-C040** | Legally required consumer writing delivered electronically under E-SIGN → affirmative informed consent, paper/withdrawal/scope/procedure and technology disclosures, access demonstration. | Only where statutory consumer-writing provision applies. High/conditional. | S009, §7001(c)(1). |\n| **S_WY-P2-C041** | E-SIGN consent changes/withdrawal → statutory prospective-effect and changed-technology protections apply. | Access-demonstration failure alone does not automatically invalidate underlying contract. High. | S009, §7001(c)(1)(D),(3)–(4). |\n| **S_WY-P2-C042** | Court filing/order/notice or other §7003 excluded category → do not rely on E-SIGN to replace governing requirements. | UETA/court-specific analysis separately required. High. | S009, §7003. |\n| **S_WY-P2-C043** | Claimed POA → actual signed grant under governing law; directed signature requires conscious presence; acknowledgment supplies presumption. | Not every POA requires notarization under §105; excluded categories and out-of-state validity preserved. High. | S003, §§3-9-102–107. |\n| **S_WY-P2-C044** | General claims/litigation power validly granted → enumerated compromise/release/pay/receive authority can attach. | Instrument limits, other law, and creditor assent remain; negotiation-only grant is not automatically general power. High/conditional. | S003, §§201–202,212. |\n| **S_WY-P2-C045** | Authority revoked/terminated → cessation subject to statutory knowledge/good-faith rules. | New POA not automatically revocation; acceptance does not compel underlying settlement. High/conditional. | S003, §§110,120,122. |\n| **S_WY-P2-C046** | Longstanding attorney relationship asserted as authority to alter deed → McConnell rejected the asserted authority on its facts. | Property/agency case, not universal debt-settlement holding. | S019, pp.335–340,351–352. |\n| **S_WY-P2-C047** | Documented settlement and attorney delivery of executed notes → Dameron upheld delivery authority and note enforcement as to payees. | Expressly did not decide whether counsel acted improperly toward clients. | S020, ¶¶11–17 & n.1. |\n| **S_WY-P2-C048** | Parties orally reach complete settlement intending immediate agreement → later unsigned memorialization does not necessarily defeat it. | Writing-condition question factual; statute-of-frauds argument was waived, not rejected on merits. | S021, ¶¶9–17. |\n| **S_WY-P2-C049** | Signed settlement outline lacks agreement on essential terms → signature does not supply missing assent. | Cross concerned particular property terms; not an anti-electronic-signature ruling. | S022, ¶¶17–30,36. |\n\n## C4. Federal authorization, cancellation separation, and additional agreement limits\n\n| Claim ID | Actor/object/trigger → required step or consequence | Exceptions, limitations, confidence | Source/pinpoint |\n| --- | --- | --- | --- |\n| **S_WY-P2-C050** | Debt-relief telemarketing → analyze TSR jurisdiction and exemptions. | Genuine nonprofit/for-profit vendor distinction; no blanket attorney exception; debt-relief advertising responses do not receive ordinary inbound exemption. Conditional. | S011, §§310.2,.6; S014 coverage guidance. |\n| **S_WY-P2-C051** | Covered debt-relief enrollment → disclose material cost, restrictions, applicable cancellation/refund terms, time, each-creditor funding threshold, nonpayment risks and conditional account rights. | Before **enrollment**; no fabricated universal disclosure form. High. | S011, §310.3(a)(1), n.1, (viii). |\n| **S_WY-P2-C052** | Covered charge/payment → express informed consent and applicable verifiable authorization requirements. | Writing/oral-record/mailed-confirmation branches and protected credit/debit exceptions are distinct; RegE may still apply. High/conditional. | S011, §§310.3(a)(3),.4(a)(7). |\n| **S_WY-P2-C053** | Debt-relief fee trigger → actual specific settlement executed by customer plus required payment and allocation conditions. | Oral/written execution possible; blanket approval or provider POA execution is not substitute. DMP creditor binding required. High. | S011, §310.4(a)(5)(i); S012, p.48489. |\n| **S_WY-P2-C054** | Required dedicated-account arrangement → customer may leave service without penalty; qualifying balance returned within seven business days. | Deduct only fees properly earned under rule; no automatic rescission of creditor settlement. High. | S011, §310.4(a)(5)(ii)(E). |\n| **S_WY-P2-C055** | Covered TSR records → generally five-year retention, with specified record-specific starting points and allocation duties. | Old guide’s two-year discussion superseded; not a universal retention period for all laws. High. | S011, §310.5; S013. |\n| **S_WY-P2-C056** | Telemarketed credit-improvement representations → separate §310.4(a)(2) payment restriction. | Represented service period must expire and qualifying report be issued over six months after results; not same as debt-relief trigger. High/conditional. | S011, §310.4(a)(2). |\n| **S_WY-P2-C057** | Preauthorized recurring consumer-account debit → consumer-signed/similarly authenticated writing; copy to consumer. | Merchant cannot supply consumer authorization merely from oral permission; electronic method must qualify. High. | S017, §1005.10(b), interpretations. |\n| **S_WY-P2-C058** | Stop preauthorized transfer → bank notice at least three bank-business-days before scheduled transfer; oral/written permitted. | Bank may require confirmation within14days if specified at oral notice; revocation/verification rules separately apply. High. | S017, §1005.10(c), interpretations; §1005.2(d). |\n| **S_WY-P2-C059** | Varying recurring amount → generally ten-day advance amount/date notice; credit generally cannot require compulsory recurring EFT. | Informed agreed-range/change-amount option; specified overdraft/minimum-balance exceptions. High. | S017, §1005.10(d)–(e). |\n| **S_WY-P2-C060** | Claimed TILA three-day rescission → test actual principal-dwelling security and other §1026.23 predicates. | No general unsecured provider-service rescission right inferred. High/conditional. | S018, §1026.23(a)(1). |\n| **S_WY-P2-C061** | Cancellation instruction → identify service, creditor agreement, POA, debit, account, credit transaction or court matter being affected. | Legal synthesis; no single notice automatically ends all objects. | S003–S004, S008, S011, S017–S018. |\n| **S_WY-P2-C062** | Search for official debt-counseling agreement → no general Wyoming-approved nonprofit/debt-adjuster agreement established. | Qualified search result, not proof no unindexed form exists. Held. | S001 and source-search limits. |\n| **S_WY-P2-C063** | Use of contingent-fee packet → preserve complete form fields and required notices; do not treat recovery form as approved debt-savings adaptation. | Exact adaptation and court sanction not established. Held/conditional. | S007, Rule6, AttachmentsI–IV. |\n| **S_WY-P2-C064** | UCCC agreement → debtor generally cannot waive statutory rights/benefits. | Express statutory exceptions and good-faith disputed-claim settlement condition preserved. High. | S002, §40-14-106. |\n| **S_WY-P2-C065** | Consumer credit sale → seller may not take the prohibited noncheck negotiable instrument as evidence of buyer’s obligation. | Statutory scope only; not every payment instrument prohibited. High. | S002, §237. |\n| **S_WY-P2-C066** | Consumer credit sale → assignment-of-earnings restriction applies. | Revocable payroll-deduction arrangement and stated statutory exceptions distinguished. High. | S002, §244. |\n| **S_WY-P2-C067** | Credit sale induced by prohibited referral-compensation representation → agreement unenforceability/cancellation consequences stated by statute. | Actual inducement and statutory elements required; no broader UDAP/remedy analysis. High/conditional. | S002, §245. |\n| **S_WY-P2-C068** | Credit-sale default-fee clause → only statutorily permitted default charges; specified reasonable attorney-fee condition. | Nonsalaried-attorney referral and stated realization-cost exception; no debt-adjuster fee permission. High. | S002, §§247–248. |\n| **S_WY-P2-C069** | Consumer credit-sale agreement authorizes confession of judgment → authorization void. | POA’s general claims power does not override this transaction-specific prohibition. High. | S002, §249; S003, §212. |\n| **S_WY-P2-C070** | Seller uses multiple agreements to avoid consumer-credit limits → statutory anti-evasion restriction applies. | Actual purpose/transaction facts needed. High/conditional. | S002, §236. |\n| **S_WY-P2-C071** | Claimed revolving-credit amendment or assignment-defense waiver → separate statutory and federal overlay analysis needed. | State clauses read, but no complete federal Holder Rule/open-end validation; no approval given. Held. | S002, §§238,250; S018 read limits. |\n| **S_WY-P2-C072** | Regulation Z compliance records → default two-year preservation after disclosures/action required. | Longer regulator or specific transaction requirements can apply; not current TSR five-year rule. High. | S018, §1026.25(a). |\n| **S_WY-P2-C073** | Current lawyer advance-fee provision → use Rule1.15 effective Sept21,2026. | Compilation history read; separate July21 amendment order not recovered. High text/order-source hold. | S004, current Rule1.15/history. |\n| **S_WY-P2-C074** | Current law-practice business-form rule → Rule10 amendment effective Jan26,2026. | Final Nov25,2025 order fully read; not Chapter14 amendment. High. | S006. |\n\n# D. Source-limited case comparison\n\n| Published authority | Material facts, posture, and issue | Majority holding and disposition | Scope limit and later history actually checked |\n| --- | --- | --- | --- |\n| **McConnell v. Dixon**, Wyoming Supreme Court, June26,1951; 68Wyo301,233P.2d877 | A lawyer added the purchaser’s wife as a grantee to a deed; the litigation sought reformation. Longstanding legal-adviser status and asserted agency were used to defend the alteration. | The examined authority discussion did not find the necessary authority or principal-created appearance of authority for that disposition. Judgment affirmed with modification preserving specified unlitigated matters. **pp.335–340,351–352.** | Property transaction, not debt-relief enrollment. Selected opinion only. **Dameron’s later distinction was actually read**; no comprehensive citator or current negative-history audit. S019; C046. [OpenJurist+1](https://openjurist.org/68/wyo/301/mcconnell-v-dixon) |\n| **Dameron v. Lythgoe**, Wyoming Supreme Court, Dec31,1986;730P.2d799 | Suit on two notes arising from litigation settlement. Debtors challenged counsel’s delivery, an anticipated co-maker’s missing signature, and alleged alteration. Documentary correspondence and dismissal benefits mattered. | Affirmed enforcement. As to payees, counsel had authority to deliver; the payees had not assumed responsibility for obtaining the additional signature. Court stated the burden of denying attorney authority in this context and relied on manifested intent. **¶¶11–17.** | **Footnote1 expressly reserved whether delivery was improper as between lawyer and clients.** Not blanket permission for lawyers to settle without client consent. McConnell distinction checked; no comprehensive later-history review. S020; C047. [Justia Law](https://law.justia.com/cases/wyoming/supreme-court/1986/121739.html) |\n| **Matter of Estate of McCormick**, Wyoming Supreme Court, Nov6,1996;926P.2d360 | Siblings and counsel reached an estate compromise; later written memorialization remained unsigned after disagreement over tax consequences. Trial court enforced oral agreement. | Affirmed. Offer, acceptance, consideration and intent controlled; a later writing need not be a condition when parties intended an immediate complete agreement. **¶¶9–15,17.** | **Statute-of-frauds argument was waived at ¶16**, not substantively rejected. Does not excuse CROA or contingent-fee statutory writing requirements. Entire majority read; no comprehensive later-history check. S021; C048. [Justia Law+1](https://law.justia.com/cases/wyoming/supreme-court/1996/123363.html) |\n| **Cross v. Albright**, Wyoming Supreme Court, July8,2026;2026WY75, official slip | Neighboring related landowners signed a mediation email but disputed essential mechanisms for access and property restrictions. Both sought enforcement of their versions. | Affirmed denial of enforcement: essential terms were not agreed; signature and a plan for a later formal document did not supply missing mutual assent. **¶¶17–30,36.** | Not a holding that electronic agreements are invalid. Fee issues also had preservation/final-agreement limits. Selected majority read; slip revision, final reporter and later history not verified. S022; C049. [STWJ BOP Opinions+2](https://stwjbopinions.blob.core.usgovcloudapi.net/wsc-opinions/Cross%2025-0297.pdf) |\n\n**Practical legal distinction established by these cases:** proof of agency and assent is transaction-specific. Neither “the lawyer handled negotiations” nor “someone signed a document” conclusively establishes every needed authority or term. Conversely, the absence of a later formal signature is not always dispositive. This is a synthesis of the cited holdings, not a separate case rule.\n\n# E. Official agreement/form inventory and required notices\n\n## E1. Wyoming contingent-fee packet—complete field and provision inventory\n\n**Status:** The packet was actually read in full. Rule6 makes substantial conformity material; this is not merely a private sample. The inventory below preserves the packet’s fields and provisions without presenting a modified debt-settlement agreement as approved. **S007; C010–C013, C063.** [Wyoming Courts+1](https://www.wyocourts.gov/app/uploads/2025/01/RULES_GOVERNING_CONTINGENT_FEES_FR_MEMBERS_OF_THE_WYOMING_STATE_BAR-1.pdf)\n\n| Packet component | Fields and required provisions examined |\n| --- | --- |\n| **Attachment I—header and opening** | Optional firm letterhead; agreement date; attorney name/address/phone; client name/address/phone; claim occurrence date, adverse party and event; representation for handling/presentation/settlement and litigation; associate-counsel disclosure; no promise of outcome or amount. |\n| **I—Negotiation of fees** | Time/labor; novelty/difficulty; skill; foregone work; local customary fee; advanced costs; amount/benefit; time limitations; relationship; lawyer experience/reputation/ability; contingency/certainty; prior settlement discussions. |\n| **II—Fees** | Select flat or scheduled percentage; gross/net choice and stated default if not selected; percentage blanks; applicable litigation stage; separate appeal percentage agreement; no recovery/no fee; definitions of gross, net and costs; prior-negotiation discussion and client proof of prior offer within seven days. |\n| **III—Fee disputes** | Initial inquiry to lawyer; unresolved positions exchanged in writing; stated committee procedure and district-court recourse. Current operational availability of the committee procedure was not separately verified. |\n| **IV—Investigation** | Investigation of claim, witnesses/family and medical information; accompanying medical authorization contemplated by this recovery-oriented form. |\n| **V—Expenses** | Out-of-pocket litigation expenses; possible addition to gross-basis fee; advances reimbursed when billed and no later than conclusion whether or not recovery; regular reporting. |\n| **VI—Medical expenses** | Medical treatment expenses distinguished from litigation costs; client responsibility; potential payment from client recovery; lawyer not liable if no recovery. |\n| **VII—Structured settlement** | Fee paid from initial lump sum on stated present-value basis unless otherwise agreed. |\n| **VIII—Final distribution** | Client-signed accounting showing source/total recovery, fee percentage and calculation, costs, client amount, reserves and period, and applicable liens/disbursements. |\n| **IX—Attorney withdrawal** | Written-notice withdrawal provisions in the form, subject to current Rule1.16 and tribunal requirements. |\n| **X—Client rescission** | Exact notice below: three **calendar** days, written registered-mail postmark or actual delivery to lawyer. |\n| **XI—Release of information** | Specified medical, financial, investigative, witness, photograph and other claim-related information to insurer/defense representatives as appropriate to negotiation or trial. Not a universal authority to settle, debit, or release unrelated claims. |\n| **XII and execution** | Other-conditions blank; date; acknowledgment of reading; lawyer “By” signature and client signature(s); attached Rules5 and6 identified. |\n| **Attachment II—medical authorization** | Lawyer and patient/client identification; birth date; treatment period; release of specified health records and oral information; prior-authorization revocation; continuing until written revocation; copy validity; date, patient/representative signature, representative relationship, witness. Read, but **not adopted as necessary or valid for ordinary debt counseling**, and no health-privacy analysis completed. |\n| **Attachment III—gross recovery distribution** | Client; source; gross recovery; fee percentage/base; balance after fee; workers’ compensation/other liens; unpaid lawyer costs; balance after costs; medical payments; balance after medical; proceeds; reserve; balance paid; totals; client approval/date; attorney/date. |\n| **Attachment IV—net recovery distribution** | Client; source; gross recovery; costs; net recovery; fee percentage/base; lawyer-advanced costs; total to lawyer; net after fee; client-advanced costs; total client amount; liens; medical; total deductions; proceeds; reserve; balance paid; totals; client approval/date; attorney/date. |\n\n**Prescribed paragraph X:**\n\n“This agreement shall be effective immediately. However, the client shall have a period of three (3) calendar days from the date hereon to rescind by notice in writing postmarked by registered mail or actual delivery to the attorney before the end of the third day.”\n\nThe form’s recovery assumptions, medical release, and structured-settlement provisions are precisely why it should not be relabeled as a ready-made Wyoming debtor-side settlement agreement. Whether and how to adapt those provisions without changing protected client rights remains held.\n\n## E2. CROA—complete statutory disclosure and cancellation fields\n\n### Separate precontract disclosure\n\nThe following is the statutory notice read in §1679c(a), not a generalized summary of all current FCRA rights. It must remain separate from the contract and other written materials, with the signed acknowledgment retained as §1679c(c) requires. **S008; C032.** [US Code](https://uscode.house.gov/us/usc/119-134/t15/s1679c/)\n\n**Consumer Credit File Rights Under State and Federal Law**\n\nYou have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any “credit repair” company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.\n\nYou have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file.\n\nYou are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.\n\nYou have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.\n\nYou have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.\n\nCredit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.\n\nYou may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.\n\nIf the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.\n\nThe Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:\n\nThe Public Reference Branch\nFederal Trade Commission\nWashington, D.C. 20580\n\n### Contract fields and near-signature notice\n\nSection1679d requires: payment terms, including all payments to the organization **or any other person** and total amount; full detailed services including guarantees; estimated completion date or period; organization name and principal business address; consumer signature and date; and this conspicuous bold statement immediately next to the signature space. **C033.** [US Code](https://uscode.house.gov/us/usc/119-134/t15/s1679d/)\n\n“You may cancel this contract without penalty or obligation at any time before midnight of the 3rd business day after the date on which you signed the contract. See the attached notice of cancellation form for an explanation of this right.”\n\n### Duplicate cancellation form\n\nThe statute requires the heading **“Notice of Cancellation”** and bold type:\n\nYou may cancel this contract, without any penalty or obligation, at any time before midnight of the 3rd day which begins after the date the contract is signed by you.\n\nTo cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or any other written notice to **[name of credit repair organization]** at **[address of credit repair organization]** before midnight on **[date]**.\n\nI hereby cancel this transaction, **[date] [purchaser’s signature]**.\n\nThe form’s “3rd day” wording does not erase §1679e(a)’s **third-business-day** right. Copies of the completed contract, disclosure and every other required signed document are due at signing. **C034–C035.** [US Code](https://uscode.house.gov/us/usc/119-134/t15/s1679e/)\n\n## E3. Wyoming home-solicitation form\n\n**Mandatory only when §§40-14-251–253 apply.** The agreement must use the principal oral-presentation language, show the actual signature date and seller’s name/address, and contain the near-signature notice. The cancellation form is completed in duplicate, boldface at least ten points, in the agreement’s language, attached and readily detachable. **S002; C024.** [Wyoming Legislature](https://wyoleg.gov/statutes/compress/title40.pdf)\n\n**Near-signature caption: “Buyer’s right to cancel”**\n\nYou, the buyer, may cancel this transaction at any time prior to 12:00 midnight of the third business day after the date of this transaction. See the attached notice of cancellation form for an explanation of this right.\n\n**“Notice of cancellation”**\n\nYou may cancel this transaction without any penalty or obligation within three (3) business days from **[enter date of transaction]**. If you cancel, any property traded in, any payments made by you under the contract or sale and any negotiable instrument executed by you will be returned within ten (10) business days following receipt by the seller of your cancellation notice. Any security interest arising out of the transaction will be cancelled.\n\nIf you cancel, you must make available to the seller at your residence, in substantially as good condition as when received, any goods delivered to you under this contract or sale, or you may if you wish comply with the instructions of the seller regarding the return shipment of the goods at the seller’s expense and risk.\n\nIf you do make the goods available to the seller and the seller does not pick them up within twenty (20) days of the date of your notice of cancellation, you may retain or dispose of the goods without any further obligation. If you fail to make the goods available to the seller, or if you agree to return the goods to the seller and fail to do so, then you remain liable for performance of all obligations under the contract.\n\nTo cancel this transaction, mail or deliver a signed and dated copy of this cancellation notice or any other written notice, or send a telegram, to **[name of seller]**, at **[address of seller’s place of business]** not later than 12:00 midnight of **[date]**.\n\nI hereby cancel this transaction.\n**[Date] [Buyer’s signature]**\n\nThis preserves the form’s ten-**business**-day wording while retaining the separate §254 ten-**day** operative-text hold.\n\n## E4. FTC Cooling-Off Rule form\n\n**Mandatory only under Part429’s federal predicate.** At execution, the seller must provide the required contract/receipt and completed duplicate notices, in the applicable language and type size, and orally explain the cancellation right. The near-signature/front-receipt notice is:\n\nYou, the buyer, may cancel this transaction at any time prior to midnight of the third business day after the date of this transaction. See the attached notice of cancellation form for an explanation of this right.\n\nThe rule permits the specified placement variation while requiring a complete contract copy; “attached” must match the permitted placement. **S015; C029.** [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-429/section-429.1)\n\n**NOTICE OF CANCELLATION** or **NOTICE OF RIGHT TO CANCEL**\n**[Enter transaction date]**\n\nYou may CANCEL this transaction, without any Penalty or Obligation, within THREE BUSINESS DAYS from the above date.\n\nIf you cancel, any property traded in, any payments made by you under the contract or sale, and any negotiable instrument executed by you will be returned within TEN BUSINESS DAYS following receipt by the seller of your cancellation notice, and any security interest arising out of the transaction will be cancelled.\n\nIf you cancel, you must make available to the seller at your residence, in substantially as good condition as when received, any goods delivered to you under this contract or sale, or you may, if you wish, comply with the instructions of the seller regarding the return shipment of the goods at the seller’s expense and risk.\n\nIf you do make the goods available to the seller and the seller does not pick them up within 20 days of the date of your Notice of Cancellation, you may retain or dispose of the goods without any further obligation. If you fail to make the goods available to the seller, or if you agree to return the goods to the seller and fail to do so, then you remain liable for performance of all obligations under the contract.\n\nTo cancel this transaction, mail or deliver a signed and dated copy of this Cancellation Notice or any other written notice, or send a telegram, to **[Name of seller]**, at **[address of seller’s place of business]** NOT LATER THAN MIDNIGHT OF **[date]**.\n\nI HEREBY CANCEL THIS TRANSACTION.\n**[Date] [Buyer’s signature]**\n\nNo actual cancellation date is filled here. The rule’s business-day definition is not automatically transplanted into CROA, Wyoming’s separate statute, or a bank’s Regulation E calendar.\n\n# F. Worked models and smaller failure postures\n\nThese are fictional classification exercises, not approved contracts or personal-action recommendations. They assume no undisclosed facts. **No real holiday calendar or actual borrower/provider record was used.**\n\n## Model 1 — A complete electronic contract cannot cure prohibited activity\n\n**Inputs/actor:** A nonexcluded commercial company agrees, for debtor compensation, to negotiate principal reductions. It supplies a detailed PDF, a creditor list, electronic signature, cancellation clause, and payment schedule.\n\n**Sequence:** Consumer receives and signs the documents; no creditor settlement yet exists.\n\n**Applicable clause:** §§33-14-101(a)(ii)(A), -102(a).\n\n**Required classification:** The activity is covered fee-based debt adjusting. Contract completeness is not an exclusion.\n\n**Conditional consequence:** The agreement does not supply lawful market access. No “compliant agreement” conclusion follows from successful e-signature or delivery.\n\n**Missing evidence:** An actual statutory exclusion or a materially different activity. This example assumes neither. **C001–C004, C037–C039.**\n\n## Model 2 — Excluded nonprofit, electronic assent, but defective delivery\n\n**Inputs/actor:** Assume an organization actually qualifies as a tax-exempt nonprofit consumer credit counseling service. Assume no CROA-covered credit-improvement offering and no applicable TSR transaction have been established.\n\n**Sequence:** The consumer agrees to electronic dealings. The organization displays an agreement behind a link that expires immediately after assent and disables saving and printing. The consumer receives only a payment confirmation.\n\n**Applicable clauses:** UETA §§40-21-105, -107–109, -112; E-SIGN §7001(c) where legally required consumer writing is involved.\n\n**Required step:** Determine which writing/delivery duty applies, obtain the required electronic consent where applicable, and furnish a record the consumer can retain at receipt.\n\n**Conditional consequence:** Electronic assent may be attributable to the consumer while required delivery remains unsatisfied. Neither nonprofit status nor a click proves delivery. No universal three-day cancellation period is invented for this branch.\n\n**Missing evidence:** Actual tax/service qualification; actual disclosures and consent flow; retention capability; whether CROA, a sales-channel rule, or credit-sale law attaches. Creditor assent to a DMP remains a separate missing fact. **C002, C005, C037–C041, C053.**\n\n## Model 3 — Lawyer contingent engagement: timely versus late rescission\n\n**Inputs/actor:** Assume genuine authorized legal representation and a fee contingent on successful accomplishment. The agreement includes prescribed paragraph X without a sanctioned alteration.\n\n**Sequence A:** On the first calendar day after the stated agreement date, the client actually delivers written rescission to the lawyer.\n\n**Result A:** This is within the prescribed three-calendar-day period on the stated assumptions.\n\n**Sequence B:** The first notice is actually delivered on the fifth calendar day afterward, with no earlier qualifying registered-mail postmark.\n\n**Result B:** It is outside paragraph X’s ordinary three-calendar-day period on those assumptions. That does not eliminate the client’s ability to discharge counsel or the lawyer’s duty to refund unearned amounts.\n\n**Required steps:** Apply Rule4 signing/delivery, Rule5(e) explanation, Rule6 conformity, paragraph X notice method, and Rule1.16 termination duties separately.\n\n**Missing evidence:** Exact date and any applicable computation/extension rule; actual receipt/postmark; whether the fee arrangement is contingent; whether a debt-savings adaptation complies with Rule6; any separate CROA or solicitation right. No exact real-world deadline is certified. **C009–C018, C063.**\n\n## Model 4 — CROA-covered service: business-day clock and delivery\n\n**Inputs/actor:** Assume a Wyoming-excluded lawyer provides a separate paid credit-improvement service satisfying CROA, with no statutory CROA exclusion.\n\n**Sequence:** The consumer signs on event day **B0**. For this fictional example only, **B1, B2 and B3 are stipulated to be the first three legally qualifying business days beginning afterward**.\n\n**Required steps:** Before B0 execution, give the separate §1679c disclosure. At signing, give the completed signed contract, duplicate cancellation notice, disclosure copy, and every other required signed document. Do not begin services before the statutory waiting period expires.\n\n**Timely branch:** Signed written cancellation actually delivered to the organization before midnight of B3 is within §1679e(a).\n\n**Late branch:** First delivery on B4 does not satisfy that ordinary three-business-day right merely because the document is called a “cancellation.” Other noncompliance or termination grounds are not decided.\n\n**Failure branch:** The notice’s printed “3rd day” language is used to insert an earlier calendar-day deadline. That does not shorten the substantive business-day right.\n\n**Missing evidence:** Actual CROA purpose, exclusion facts, governing business-day computation and holidays, document delivery, and any independent state right. **C031–C036.**\n\n## Model 5 — Negotiation authority, binding authority, and TSR execution\n\n**Inputs/actor:** Assume an independently lawful provider. Debt balance is **$10,000**. A document authorizes the provider only to request offers and communicate information. A creditor offers settlement for **$4,000**.\n\n**Sequence A:** The provider signs “accepted for the debtor” without a broader grant or debtor assent.\n\n**Classification:** Negotiation authority alone does not establish authority to bind. The offer amount does not cure the missing grant.\n\n**Sequence B:** Instead, assume a valid instrument grants general claims-and-litigation authority under §3-9-212, with no limiting language and continuing authority.\n\n**Classification:** That grant can include compromise and release powers under Wyoming law, but creditor assent and all other transaction requirements still must exist.\n\n**Separate federal result:** Even if an agency analysis could bind the principal, the provider cannot treat its own POA signature as the customer’s execution of the **specific settlement** for the TSR debt-relief fee trigger. The required consumer execution and payment must independently occur.\n\n**Missing evidence:** Actual instrument, governing law, limitations, termination/knowledge facts, creditor acceptance, complete settlement terms, and specific customer execution. No fee is calculated or deemed earned. **C043–C045, C046–C049, C053.**\n\n## Model 6 — Unearned legal advance: same balance, no double deduction\n\n**Assumed valid engagement:** Ordinary hourly legal representation; reasonable agreed rate **$150/hour**; no applicable federal advance-fee prohibition; no dispute about the work or its earning.\n\n**Inputs and sequence:**\n\n- Advance received: **$1,200.00**.\n- First two hours actually earned: 2 × $150 = $300.00.\n- That **$300.00** was already withdrawn properly.\n- Remaining trust balance: $1,200 − $300 = $900.00.\n- One additional hour was actually earned before termination but not yet withdrawn: 1 × $150 = $150.00.\n\n**Reconciliation:**\n\n- Total actually earned: $300 + $150 = $450.00.\n- Unearned amount: $1,200 − $450 = $750.00.\n- From the current trust balance: $900 − $150 = $750.00 to refund.\n\nThe previously withdrawn **$300** is not deducted again. Arithmetic does not establish that either block of work was earned; that is an explicit factual assumption. Rule1.16 also governs notice, files, and any tribunal permission. No numerical refund deadline is invented. **C007, C016–C018, C073.**\n\n## Model 7 — Provider’s own credit sale and overlapping solicitation rules\n\n**Inputs/actor:** Assume genuine authorized legal services, no prohibited solicitation, and a seller that made **30 qualifying similar credit transactions in the preceding calendar year**. A consumer buys a **$600** service package for personal purposes under a written agreement requiring **six $100 monthly payments**. The provider personally solicits and obtains the agreement at the consumer’s home. No prior fixed-premises negotiations, emergency request, lender-credit-card purchase, or other stated exclusion exists.\n\n**Operators:**\n6 × $100 = $600 total payments.\nNo finance charge is assumed. This arithmetic does not determine whether work has been earned.\n\n**Classification:** The facts are designed to satisfy the relevant state credit-sale and installment predicates. Regulation Z’s independent creditor conditions must also be met. Wyoming home-solicitation requirements are implicated; the federal Cooling-Off Rule requires its own jurisdictional analysis.\n\n**Required steps:** Applicable credit disclosures before consummation; state agreement and cancellation notices; federal notice duties if independently applicable. A zero finance charge does not eliminate every disclosure duty, but the APR exception must be considered rather than mechanically inserting every §1026.18 field.\n\n**Cancellation:** A properly addressed, prepaid state cancellation mailed within the stipulated third-business-day period is effective on deposit. If the agreement never complied with the state notice requirements, the provider cannot simply claim that the ordinary clock expired.\n\n**Consequences:** Section255(c) prevents compensation for services performed before cancellation under that part. Section254’s **ten days** and the prescribed form’s **ten business days** remain distinct; the federal rule independently says ten business days if applicable.\n\n**Missing evidence:** Actual credit frequency, territory, contract, solicitation facts, registration compliance, legal-service authorization, federal jurisdiction, exact calendar, and reconciliation authority for the state ten-day discrepancy. **C019–C030, C072.**\n\n### Smaller supported failure postures\n\n| Posture | Failure or limit |\n| --- | --- |\n| “The client signed our retainer, so we can initiate recurring ACH debits.” | Retainer assent is not automatically the consumer’s Regulation E debit authorization or required copy. C057. |\n| “We stopped the debit, so the creditor settlement disappeared.” | Debit control and settlement obligations concern different legal objects. C058–C061. |\n| “The contract says every future settlement under 50% is approved.” | That standing clause does not replace specific customer execution for the TSR fee trigger. C053. |\n| “The emergency checkbox waives cancellation.” | State and federal emergency exceptions have substantive predicates; the federal rule also requires its specified buyer-authored writing. C026, C028. |\n| “The lawyer’s signature is enough for every contingent agreement.” | Rule4 requires the lawyer and each client to sign the duplicates; Rule1.5(c) requires client signature. C008, C010. |\n| “Our nonprofit incorporation establishes the Wyoming and CROA exclusions.” | The exclusions use different factual and tax criteria. C002, C005, C031. |\n| “The signed settlement email resolves everything.” | Cross shows that missing essential terms can defeat formation despite signature. C049. |\n| “An oral settlement is always invalid.” | McCormick rejects that universal proposition; statutory writing requirements for the provider agreement still remain. C048, C033. |\n| “A later power of attorney automatically revoked the earlier one.” | The Wyoming statute does not make that a universal rule. C045. |\n| “A confession-of-judgment power in the POA overrides the credit contract restriction.” | The transaction-specific UCCC prohibition remains. C044, C069. |\n\n# G. Coverage, gaps, and exact next investigations\n\n## G1. Assigned-question coverage\n\n| Assigned issue | Status | Contribution / claims | Exact missing evidence and next bounded investigation |\n| --- | --- | --- | --- |\n| **1—Classify prohibited activity before drafting** | **Answered** | Fresh Chapter14 crosscheck; no contract-created permission. C001–C004. | No actual model facts supplied; later evaluation must establish activity and exclusion, not assume them. |\n| **1—Nonprofit exclusion conditions** | **Partial** | Exact state wording distinguished from federal tax and CROA tests. C002,C005,C031. | Published interpretation defining Wyoming “tax exempt” and “consumer credit counseling service”; no entity-status query performed. |\n| **1—Lawyer/professional-entity branch** | **Answered with application hold** | Chapter14, Rule7, current Rule10 and actual legal practice separated. C003,C006,C074. | Actual legal-service facts and entity structure; no provider or bar-status investigation. |\n| **1—No special Chapter14 agreement regime** | **Answered, bounded** | Complete chapter inspected. C004. | No negative-universe claim about every other Wyoming law. |\n| **2—Mandatory lawyer contents/disclosures** | **Answered** | Ordinary versus contingent writing, fee basis, scope, expenses, outcome and separate form requirements. C007–C013. | Debt-savings adaptation of recovery form remains unresolved. |\n| **2—Who signs/receives/retains** | **Answered by branch** | Lawyer duplicates/three-year proof; client files; CROA copies/acknowledgment; TSR/RegZ records. C010–C011,C018,C032–C034,C055,C072. | Actual delivered records and applicable overlapping longer periods. |\n| **2—UCCC reaches actual model?** | **Answered conditionally** | Own-service credit distinguished from counseling/distribution. C019–C022. | Actual credit frequency, financing structure, territory and exclusions. |\n| **2—Other state credit-services/debt-counseling agreement regime** | **Unresolved negative-search boundary** | No additional general Wyoming-approved counseling agreement established. C062. | Further official code/rule and published-opinion search for a specifically identified additional regime; absence not certified. |\n| **2—Credit-sale agreement restrictions** | **Answered for selected closed-end branch** | Nonwaiver, notes, earnings, referral, default and confession restrictions. C064–C070. | Full revolving-credit, assignment-defense/Holder Rule, refinancing and secured-credit overlays remain outside this model. C071. |\n| **2—Electronic assent, writing and delivery** | **Answered conditionally** | UETA/E-SIGN attribution, consent, access, retention and method preservation. C037–C042. | Actual interface and delivery evidence; precise interplay with prescribed duplicate/registered-mail methods for a real transaction. |\n| **3—Negotiate versus bind debtor** | **Answered at legal-framework level** | POA scope and case-specific agency analysis. C043–C049. | Actual grant, principal manifestations, restrictions, knowledge and assent. |\n| **3—Bind creditor / receive / release** | **Answered with facts hold** | §212 powers do not manufacture creditor assent; TSR customer execution distinct. C044,C053. | Creditor agreement and actual agent authority not investigated; no private records requested. |\n| **3—Published appellate opinions** | **Answered, source-limited** | Four examined authorities, facts/holdings/dispositions and limits visible. C046–C049. | Comprehensive citator and later-history review; additional responsive opinions not fully recovered. |\n| **4—Cancellation clocks/method/recipient** | **Answered by branch** | Calendar versus business versus bank-business days; specific notice recipients and methods. C013,C025,C030,C035,C058. | Actual calendar/holiday computation deliberately not performed. |\n| **4—Waivers/emergencies** | **Answered for examined branches** | State/federal emergency conditions and CROA/UCCC nonwaiver. C026,C028,C036,C064. | Actual emergency facts and any other statutory exception. |\n| **4—Unearned fees and continuing duties** | **Answered at agreement level** | Current lawyer earned/unearned and termination duties; state home-sale service consequence. C016–C018,C027. | Actual earning, disputed amounts, quantum-meruit/contract-remedy questions remain held. |\n| **4—State ten-day discrepancy** | **Unresolved interpretation** | Both operative statute and required notice preserved. C027. | Published Wyoming appellate or official interpretive authority reconciling §253 notice with §254. |\n| **4—Service cancellation versus other objects** | **Answered as bounded synthesis** | Separate creditor compromise, POA, debit, account, loan and court procedures. C061. | Each object’s actual agreement and governing law; no full funds/account/court pass. |\n| **4—TSR/CROA timing overlap** | **Answered conditionally** | No state authorization displaces federal timing; specific execution and separate credit-repair restrictions. C031–C036,C050–C056. | Actual representations, sales channel, jurisdiction and exemptions. |\n| **4—Loan rescission** | **Boundary answered; substantive branch excluded** | Principal-dwelling predicate identified; no general unsecured-service rescission. C060. | Full secured-credit/TILA rescission investigation remains later. |\n| **5—Current professional rules and orders** | **Partial** | Current compilation and Rule10 final order read. C073–C074. | Separate July21,2026 Rule1.15 amendment order not retrieved; complete amendment history not certified. |\n| **5—Nonprofit §501(q) versus state exclusion/creditor consent** | **Answered conditionally** | Tax qualification and contract assent separated. C002,C005,C053. | Actual tax/function and creditor-approval facts; no named status inquiry. |\n| **6—Official complete blank forms** | **Answered for identified forms** | Entire contingent packet and statutory CROA/state/federal cancellation texts read; fields/notices visible. C024,C029,C032–C035,C063. | No approved general nonprofit debt-adjustment form located; no debt-savings adaptation approved. |\n| **6—Generic instructions** | **Answered with hierarchy limit** | FTC guide used only for bounded operational explanation; current rule controls record retention. C050,C055. | No marketing statements or private provider contracts used. |\n| **7—Worked scenarios and failure postures** | **Answered** | Seven models plus smaller failures, with predicates, steps and missing evidence. | No model declared legally enforceable or operationally approved. |\n| **7—Same balances / no invented earning** | **Answered** | $1,200 advance, $450 assumed earned, $750 refund reconciled without double deduction. | Actual work, reasonableness, fee dispute and federal timing remain explicit assumptions. |\n\n## G2. Separate holds\n\n| Hold family | Status and exact boundary |\n| --- | --- |\n| **Source currentness** | Wyoming official compilations do not supply a precise consolidation-through date in the portions read. OLRC cutoffs differ: CROA a–f/§501 through Oct20; CROA j through Oct15; E-SIGN through Oct9. eCFR displayed through Oct23. Later changes through Oct27 were not exhaustively certified. |\n| **Court-rule source** | Rule10 final order fully read. Current Rule1.15 body and printed amendment history read; separate July21 order retrieval failed. Contingent-fee packet is currently linked, but a complete subsequent-amendment certificate was not obtained. |\n| **Case law / later history** | Four actual opinions examined; no complete citator, no trial-docket search, no assertion that every responsive case was found. |\n| **Actual actor / contract / control** | No real provider, lawyer, nonprofit, tax exemption, creditor authorization, electronic process, bank account, or borrower facts verified. |\n| **Actual earning** | Numerical examples do not establish earned fees, valid allocations, reasonableness, enforceability, or authority. |\n| **Funds / bond / insurance / insolvency** | Open, except narrow trust/refund/account-authorization predicates necessary here. No comprehensive account safeguards or bond analysis. |\n| **Remedies / UDAP / contract enforcement** | Open beyond express agreement consequences necessary to explain the examined clauses. No damages, restitution, limitations, or cause-of-action acceptance. |\n| **Collection / courts / garnishment / limitations** | Open. Published cases used for agreement/authority only; no procedural or enforcement dossier acceptance. |\n| **Secured and other sector-specific debt** | Open. TILA dwelling-security rescission identified only as a boundary. |\n| **Local / tribal / other-jurisdiction law** | Open. No local, tribal, federal-preemption, or multistate conflicts completion implied. |\n| **Provider status / operations / publication** | No named status finding, no filing, contact, application, implementation, publication, or approval. |\n| **State parent / A066** | This component does not accept Wyoming as complete and does not accept A066. |\n\n## G3. Contribution crosswalk\n\n| Reviewed P01 remainder—quoted without invented row ID | P02’s narrow contribution | Still not supplied |\n| --- | --- | --- |\n| **“Agreement contents and cancellation \\| Excluded/later pass \\| Only fee-timing rules needed for this component addressed \\| Full Chapter14, contract, UCCC, federal, and common-law agreement analysis.”** | Fresh actor-first Chapter14 crosscheck; ordinary/contingent lawyer agreement rules; complete relevant official form inventory; conditional nonprofit/tax distinction; UCCC own-service-credit and solicitation predicates; CROA/TSR agreement disclosures; electronic assent/delivery; published formation/agency cases; POA/payment authority; branch-specific cancellation/termination scenarios. | Full agreement enforceability/remedies dossier; every contract doctrine; all funds/bonds/insurance/insolvency issues; collection/litigation/limitations; secured/sector/local/tribal work; actual provider or contract approval; comprehensive currentness/citator certification. |\n\n# H. Failed routes, read limits, and researcher self-check\n\n## H1. Failed or incomplete source routes\n\n| Route | Actual result | Treatment and next public-source action |\n| --- | --- | --- |\n| https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1679d&num=0&edition=prelim | 404. | Not evidence. Later §1679d body successfully read through the PL119-134 route. |\n| https://uscode.house.gov/us/usc/119-124/t15/s1679d/ | Failed retrieval. | Not treated as fresh read; later PL119-134 body recovered. |\n| Initial PL119-134 routes for §§1679a,1679b,1679f | Initial failures; subsequent official navigation recovered operative bodies. | Only recovered bodies credited as read. No unchanged failed result counted as corroboration. |\n| https://uscode.house.gov/us/usc/119-134/t15/s1679j/ | No usable fresh body obtained at that version. | Fresh PL119-124 §1679j body used with Oct15 currency limit; later law held. |\n| https://www.wyocourts.gov/rule-amendments/ | Timeout/unusable retrieval. | Current Rule1.15 compilation and history used; separate July21 order remains unexamined. Next action: recover the official order through an accessible public court route. |\n| Current professional-rules PDF, requested image at index68 | Screenshot retrieval failed/challenge response. | No claim that that particular page image was inspected. Operative text was read; other relevant PDF images were inspected. |\n| https://law.justia.com/cases/wyoming/supreme-court/1953/118828.html | Spencer route yielded insufficient judicial text for a holding-level treatment. | Not relied on for a holding. |\n| https://www.casemine.com/judgement/us/5914ca7badd7b049347faf21 | Partial Spencer judicial text only. | No inferred disposition or general attorney-authority rule. Full published opinion remains a possible next public-source recovery. |\n| https://www.wyocourts.gov/app/uploads/2025/01/ContingentFees-1.pdf | Companion file retrieved but not the complete packet used for this report. | Not counted as independent corroboration; S007 is the fully examined 11-page rules/forms packet. |\n\n## H2. What was actually read\n\n**Complete within the stated unit:** the operative Chapter14; the contingent-fee rules and all four attachments; the Rule10 amendment order; the listed CROA sections; §501(q); the relevant complete home-solicitation and Cooling-Off clauses/forms; Dameron’s and McCormick’s majority opinions.\n\n**Selected, not whole-document reads:** Titles3 and40; the professional-rules compilation; the authorized-practice compilation; current TSR/Regulation E/Regulation Z provisions; E-SIGN’s exceptions; the 2010, 2024 and 2015 final rulemakings; McConnell and Cross.\n\n**PDF images:** Relevant statutory, contingent-form, Rule10, case and Federal Register images were inspected. The failed current-Rule1.15 image request is separately disclosed rather than represented as successful.\n\n**Not reused as newly verified:** P01’s historical exclusion-act dates, its original source currency, its model/provenance wording, or unprovided coordinator originals. The 1957 enactment remains unread here. No other state report supplies a legal premise.\n\n**Not done:** No private records, provider contracts, named licenses, IRS/EIN status, borrower/account facts, docket-status queries, contacts, applications, filings, purchases, browser control, other chats, subagents, local writes, hashes, or publication. No comprehensive citator or independent review was performed.\n\n## Component conclusion\n\nThis pass establishes a **conditional agreement framework**, not a Wyoming-approved debt-relief contract:\n\n- prohibited commercial activity remains prohibited;\n- genuine excluded branches carry their own agreement and professional conditions;\n- consumer-credit, solicitation, credit-repair, telemarketing, electronic-record, agency, and payment rules attach only on their actual predicates;\n- signing, binding authority, delivery, earning, cancellation, and termination are separate legal questions;\n- the identified source, interpretation, currentness, and broader-dossier gaps remain open.\n\n**END S_WY PASS-02.**\n\n","tables":[{"headers":["Actual branch","Threshold conditions","Agreement rules potentially applicable","What the agreement cannot accomplish"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Actual branch","Threshold conditions","Agreement rules potentially applicable","What the agreement cannot accomplish"],["Nonexcluded fee-based debt adjuster","Debtor-fee contract to adjust, compromise, discharge, or receive/distribute debt payments within §33-14-101","No Chapter 14 drafting pathway cures the prohibition","Create a license, exemption, or lawful fee entitlement"],["Excluded nonprofit counseling service","Actual tax-exempt nonprofit consumer credit counseling service; not merely a nonprofit corporation or marketing label","General contract/agency law; applicable electronic-record law; conditional UCCC, sales-channel rules, federal credit-repair rules, and tax-qualification conditions","Bind creditors merely by enrolling the consumer; assume §501(c)(3), TSR, or CROA status from the Wyoming exclusion"],["Wyoming lawyer or qualifying legal-practice situation","Exact §33-14-101 exclusion or §33-14-102(b) legal-practice predicate; applicable authorized-practice rules","Rules 1.2, 1.4, 1.5, 1.8, 1.15, 1.15A, 1.16; separate contingent-fee rules when triggered; conditional federal/UCCC rules","Convert a nonlawyer company into an excluded actor or make every act authorized by a general retainer"],["Provider sells its own services on credit","Actual UCCC/Regulation Z creditor and transaction predicates","Credit disclosures and agreement limitations; possible home-solicitation cancellation","Authorize the underlying debt-adjusting activity"],["Paid credit-improvement service","CROA definition met and no statutory exclusion","Separate statutory disclosure, signed and dated contract, delivery, waiting period, cancellation form, advance-payment restriction","Treat all debt counseling as credit repair, or exempt all attorneys/nonprofits"],["Telemarketed debt-relief service","TSR jurisdiction, transaction, and exemption analysis satisfied","Pre-enrollment disclosures; payment authorization; specific-settlement execution; records; conditional dedicated-account exit","Treat a general power of attorney as customer execution of every future settlement"],["Recurring debit authorization","Preauthorized electronic transfers from a covered consumer account","Regulation E authorization, copy, variation notice, and stop-payment rules","Serve as the service contract, creditor settlement, or universal cancellation instruction"],["Power of attorney or other agency grant","Valid instrument, actual grant, governing law, continuing authority, and applicable limitations","Wyoming agency/POA law and transaction-specific law","Confer powers absent from the grant, compel a creditor to settle, or override a statutory prohibition"]]},{"headers":["Object being ended or challenged","Applicable mechanism—not an interchangeable substitute"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Object being ended or challenged","Applicable mechanism—not an interchangeable substitute"],["Provider-service agreement","Applicable contract, contingent-fee rescission, CROA, home-solicitation, or other actually triggered rule"],["Lawyer-client relationship","Discharge/withdrawal under Rule 1.16, with protective duties and possible tribunal permission"],["Creditor compromise","Its formation, terms, conditions, authority, and applicable law; provider-service cancellation alone does not undo it"],["Agency/POA authority","Instrument and applicable revocation/termination law, including notice/knowledge issues"],["Recurring bank debit","Regulation E authorization, revocation/stop-payment rules, plus the relevant payment arrangement"],["Bank account itself","Account relationship; not resolved merely by canceling the service"],["Consumer credit secured by principal dwelling","Conditional TILA rescission; not a general unsecured service-contract right"],["Court appearance, filing, dismissal, or judgment","Applicable court procedure; not terminated solely by a private service notice"]]},{"headers":["Source ID","Issuer, document, complete literal URL","Pinpoint, version/effect, and actual read 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Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/","text":"Consumer Financial Protection Bureau\n+4"},{"href":"https://openjurist.org/68/wyo/301/mcconnell-v-dixon","text":"OpenJurist\n+2"},{"href":"https://law.justia.com/cases/wyoming/supreme-court/1986/121739.html","text":"Justia Law\n+1"},{"href":"https://law.justia.com/cases/wyoming/supreme-court/1996/123363.html","text":"Justia Law\n+1"},{"href":"https://stwjbopinions.blob.core.usgovcloudapi.net/wsc-opinions/Cross%2025-0297.pdf","text":"STWJ BOP Opinions\n+2"}],"row_links":[[],[{"href":"https://wyoleg.gov/statutes/compress/title33.pdf","text":"wyoleg.gov"}],[{"href":"https://wyoleg.gov/statutes/compress/title40.pdf","text":"Wyoming Legislature\n+3"}],[{"href":"https://wyoleg.gov/statutes/compress/title03.pdf","text":"Wyoming Legislature\n+2"}],[{"href":"https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf","text":"Wyoming Courts\n+2"}],[{"href":"https://www.wyocourts.gov/app/uploads/2025/01/RULES-GOVERNING-THE-WYOMING-STATE-BAR-AND-THE-AUTHORIZED-PRACTICE-OF-LAW-Nov-2021-1.pdf","text":"Wyoming Courts\n+1"}],[{"href":"https://www.wyocourts.gov/app/uploads/2025/11/Order-Amending-Rule-10-for-the-Authorized-Practice-of-Law-Effective-Jan-2026.pdf","text":"Wyoming Courts"}],[{"href":"https://www.wyocourts.gov/app/uploads/2025/01/RULES_GOVERNING_CONTINGENT_FEES_FR_MEMBERS_OF_THE_WYOMING_STATE_BAR-1.pdf","text":"Wyoming Courts\n+2"}],[{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1679a/","text":"US Code\n+5"}],[{"href":"https://uscode.house.gov/us/usc/119-121/t15/s7001/","text":"US Code\n+2"}],[{"href":"https://uscode.house.gov/us/usc/119-134/t26/s501/","text":"US Code"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310","text":"eCFR\n+2"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf","text":"GovInfo\n+1"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf","text":"GovInfo\n+1"}],[{"href":"https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business","text":"Federal Trade Commission"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-429/section-429.0","text":"eCFR\n+1"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2015-01-09/pdf/2015-00164.pdf","text":"GovInfo\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1005/10/","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/","text":"Consumer Financial Protection Bureau\n+4"}],[{"href":"https://openjurist.org/68/wyo/301/mcconnell-v-dixon","text":"OpenJurist\n+2"}],[{"href":"https://law.justia.com/cases/wyoming/supreme-court/1986/121739.html","text":"Justia Law\n+1"}],[{"href":"https://law.justia.com/cases/wyoming/supreme-court/1996/123363.html","text":"Justia Law\n+1"}],[{"href":"https://stwjbopinions.blob.core.usgovcloudapi.net/wsc-opinions/Cross%2025-0297.pdf","text":"STWJ BOP Opinions\n+2"}]],"rows":[["Source ID","Issuer, document, complete literal URL","Pinpoint, version/effect, and actual read extent"],["S_WY-P2-S001","Wyoming Legislature, Title 33. https://wyoleg.gov/statutes/compress/title33.pdf","Complete operative Chapter 14 read, §§33-14-101–103; PDF indices 110–111, text and images. Official retrieved compilation; exact consolidation-through date not printed. No fresh historical effective-date claim. \nwyoleg.gov"],["S_WY-P2-S002","Wyoming Legislature, Title 40. https://wyoleg.gov/statutes/compress/title40.pdf","Selected complete clauses: §§40-14-103, -106–107, -120–121, -140 definitions, -202, -204–205, -222(f), -235–256; UETA §§40-21-102–112. UCCC indices 121–160 as relevant; home-solicitation 156–160; UETA selected text, image at 284. Not full Title 40. Official compilation, exact through-date unstated. \nWyoming Legislature\n+3"],["S_WY-P2-S003","Wyoming Legislature, Title 3, Uniform Power of Attorney Act. https://wyoleg.gov/statutes/compress/title03.pdf","Selected §§3-9-102–110, -120, -122, -201–202, and complete §212. Indices 63–69, 77–79, 89–90 as relevant; §212 image inspected. Not all special powers, agent duties, or statutory form. \nWyoming Legislature\n+2"],["S_WY-P2-S004","Wyoming Supreme Court, Rules of Professional Conduct, effective September 21, 2026 compilation. https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf","Selected operative Rules 1.0, 1.2, 1.4, 1.5, 1.8(f)–(g), current 1.15, 1.15A, 1.16, 5.3. Rule 1.5 begins printed p.19/index18; 1.8(g) p.37/index36; current 1.15 begins p.66/index65, history p.71/index70; 1.16 pp.74–75/indices73–74. Compilation records July 21, 2026 amendment effective Sept.21; separate order not recovered. Old 1.15 not used as current. \nWyoming Courts\n+2"],["S_WY-P2-S005","Wyoming Supreme Court, Authorized Practice rules, November 2021 compilation, still linked by current rules page. https://www.wyocourts.gov/app/uploads/2025/01/RULES-GOVERNING-THE-WYOMING-STATE-BAR-AND-THE-AUTHORIZED-PRACTICE-OF-LAW-Nov-2021-1.pdf","Rule 7(a)–(b) and relevant exceptions selected; printed p.2/index1, following exceptions. Old Rule 10 not used. Current locator: https://www.wyocourts.gov/court-rules/rules-governing-the-wyoming-state-bar-and-the-authorized-practice-of-law/—locator and document are not independent corroboration. \nWyoming Courts\n+1"],["S_WY-P2-S006","Wyoming Supreme Court, Order Amending Rule 10. https://www.wyocourts.gov/app/uploads/2025/11/Order-Amending-Rule-10-for-the-Authorized-Practice-of-Law-Effective-Jan-2026.pdf","All five pages read; order dated Nov.25, 2025, effective Jan.26, 2026; order index0 and amended rule. Images inspected. Actual final order, not proposal. \nWyoming Courts"],["S_WY-P2-S007","Wyoming Supreme Court, Rules Governing Contingent Fees and Attachments I–IV. https://www.wyocourts.gov/app/uploads/2025/01/RULES_GOVERNING_CONTINGENT_FEES_FR_MEMBERS_OF_THE_WYOMING_STATE_BAR-1.pdf","All operative rules and all four blank attachments read, 11 pages. Rules1–6 pp.1–3/indices0–2; agreement pp.4–7/indices3–6; medical authorization p.8/index7; gross distribution p.9/index8; net distribution pp.10–11/indices9–10. Typesetting date March2,2016 and upload path are not legal effective dates; printed Rule5 amendment Jan31,1987/effective May5,1987. Current court locator: https://www.wyocourts.gov/court-rules/rules-governing-contingent-fees-for-members-of-the-wyoming-state-bar/. No complete later-amendment certification. \nWyoming Courts\n+2"],["S_WY-P2-S008","U.S. House OLRC, CROA access group. https://uscode.house.gov/us/usc/119-134/t15/s1679a/ ; https://uscode.house.gov/us/usc/119-134/t15/s1679b/ ; https://uscode.house.gov/us/usc/119-134/t15/s1679c/ ; https://uscode.house.gov/us/usc/119-134/t15/s1679d/ ; https://uscode.house.gov/us/usc/119-134/t15/s1679e/ ; https://uscode.house.gov/us/usc/119-134/t15/s1679f/ ; https://uscode.house.gov/us/usc/119-124/t15/s1679j/","Complete operative sections listed read. §§a–f display through PL119-134, Oct20,2026; §j through PL119-124, Oct15,2026. Initial failed routes were not treated as reads. Later law beyond source currency not established. \nUS Code\n+5"],["S_WY-P2-S009","OLRC, E-SIGN access group. https://uscode.house.gov/us/usc/119-121/t15/s7001/ ; https://uscode.house.gov/us/usc/119-121/t15/s7002/ ; https://uscode.house.gov/us/usc/119-121/t15/s7003/","§§7001–7002 operative text read; selected §7003 exclusions read. Currency PL119-121, Oct9,2026. No claim of later-law verification. \nUS Code\n+2"],["S_WY-P2-S010","OLRC, 26 U.S.C. §501(q). https://uscode.house.gov/us/usc/119-134/t26/s501/","Entire subsection (q)(1)–(4) read, not all §501. Through PL119-134, Oct20,2026. Federal tax qualification, not Wyoming authorization. \nUS Code"],["S_WY-P2-S011","eCFR, 16 C.F.R. Part 310, TSR. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","Selected complete operative clauses in §§310.2, .3(a)(1)–(3), .4(a)(2),(5),(7), .4(d), .5, .6. Display through Oct23,2026, Title16 last amended Oct19. This is not a complete Federal Register audit through Oct27. \neCFR\n+2"],["S_WY-P2-S012","FTC, 2010 debt-relief final rule, 75 FR48458–48523. https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf ; companion https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule","Selected final-rule dates and preamble §III.C.5.a, especially p.48489/index31, adjacent allocation discussion p.48490/index32. Images inspected. Effective Sept27,2010 except §310.4(a)(5), effective Oct27,2010. Historical final rule crosschecked against S011; not all66 pages read. \nGovInfo\n+1"],["S_WY-P2-S013","FTC, 2024 TSR final rule, 89 FR26760–26786. https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf ; companion https://www.federalregister.gov/documents/2024/04/16/2024-07180/telemarketing-sales-rule","Dates and selected final recordkeeping amendments, pp.26784–26785/indices24–25, images inspected. Effective May16,2024; §310.5(a)(2) compliance Oct15,2024. Not full preamble or every subsequent amendment. \nGovInfo\n+1"],["S_WY-P2-S014","FTC, Debt Relief Services & TSR: Guide for Business. https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business","Selected coverage/jurisdiction guidance read. Staff operational explanation, not statute or final rule. Its older two-year retention discussion is not used against current S011/S013. \nFederal Trade Commission"],["S_WY-P2-S015","eCFR, 16 C.F.R. Part429 Cooling-Off Rule. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-429/section-429.0 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-429/section-429.1","Complete operative definitions, exclusions, duties, and blank notice read. Through Oct23,2026. Federal solicitation predicate distinct from state UCCC. \neCFR\n+1"],["S_WY-P2-S016","FTC, 2015 Cooling-Off threshold final rule, 80 FR1329–1334. https://www.govinfo.gov/content/pkg/FR-2015-01-09/pdf/2015-00164.pdf ; companion https://www.federalregister.gov/documents/2015/01/09/2015-00164/trade-regulation-rule-concerning-cooling-off-period-for-sales-made-at-homes-or-at-certain-other","Introductory dates and operative amendment, p.1332/index3, image inspected. Effective March13,2015. Separate commissioner statements not treated as majority rule. \nGovInfo\n+1"],["S_WY-P2-S017","CFPB, Regulation E and official interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1005/10/ ; https://www.consumerfinance.gov/rules-policy/regulations/1005/2/","§1005.10(b)–(e) and relevant commentary read; selected account/business-day definitions. Labeled current, no independently established Oct27 consolidation date. No complete electronic-transfer/remedies investigation. \nConsumer Financial Protection Bureau\n+1"],["S_WY-P2-S018","CFPB/eCFR, Regulation Z access group. https://www.consumerfinance.gov/rules-policy/regulations/1026/2/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/17/ ; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18 ; https://www.consumerfinance.gov/rules-policy/regulations/1026/25/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/23/","Selected creditor definition; §17 disclosure form/timing and identified exceptions; relevant §18 contents; §25(a) retention; §23 principal-dwelling predicate only. Not full mortgage/open-end/series-of-sales analysis. eCFR display through Oct23; CFPB pages labeled current. \nConsumer Financial Protection Bureau\n+4"],["S_WY-P2-S019","Wyoming Supreme Court, McConnell v. Dixon, June26,1951, 68Wyo301, 233P.2d877; judicial text reproduced by OpenJurist. https://openjurist.org/68/wyo/301/mcconnell-v-dixon","Selected actual opinion: facts pp.313–317, authority pp.335–340, disposition pp.351–352. Not entire opinion. Mirror’s automated headnotes/history badges not evidence. \nOpenJurist\n+2"],["S_WY-P2-S020","Wyoming Supreme Court, Dameron v. Lythgoe, Dec31,1986, 730P.2d799; judicial text reproduced by Justia. https://law.justia.com/cases/wyoming/supreme-court/1986/121739.html","Entire majority ¶¶1–17 and footnote1 read. Authority principally ¶¶11–16; disposition ¶17. No complete later-history check. \nJustia Law\n+1"],["S_WY-P2-S021","Wyoming Supreme Court, Matter of Estate of McCormick, Nov6,1996, 926P.2d360; judicial text reproduced by Justia. https://law.justia.com/cases/wyoming/supreme-court/1996/123363.html","Entire majority ¶¶1–17 read; formation ¶¶9–15, waived statute-of-frauds issue ¶16, affirmance ¶17. No complete later-history check. \nJustia Law\n+1"],["S_WY-P2-S022","Wyoming Supreme Court, Cross v. Albright, July8,2026, 2026WY75, official slip opinion. https://stwjbopinions.blob.core.usgovcloudapi.net/wsc-opinions/Cross%2025-0297.pdf","Selected majority facts and analysis, especially ¶¶1–11,17–36; printed pp.1–10/indices1–10, relevant image p.7/index7. Slip opinion expressly subject to formal revision before reporter publication. Final reporter and later history not verified. \nSTWJ BOP Opinions\n+2"]]},{"headers":["Claim ID","Actor/object/trigger → required step or consequence","Exceptions, limitations, confidence","Source/pinpoint"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Actor/object/trigger → required step or consequence","Exceptions, limitations, confidence","Source/pinpoint"],["S_WY-P2-C001","Nonexcluded person undertaking covered fee-based debt adjustment → Chapter14 prohibition remains; a service contract cannot supply permission.","High—text; no general civil-remedy conclusion.","S001, §§33-14-101(a)(ii), -102(a)."],["S_WY-P2-C002","Claimed nonprofit exclusion → actual tax-exempt nonprofit consumer credit counseling service must be established.","“Tax exempt” undefined; incorporation/name alone insufficient. Conditional.","S001, §33-14-101(a)(i)."],["S_WY-P2-C003","Claimed lawyer exclusion → Wyoming-bar individual, enumerated all-Wyoming-bar entity, or actual §102(b) legal-practice situation.","Attorney affiliation alone does not establish the branch. Conditional.","S001, §§101(a)(i),102(b)."],["S_WY-P2-C004","Complete Chapter14 inspection → no special agreement contents, signature, delivery, retention, or cancellation regime appears there.","Bounded text observation, not absence of other law. High.","S001, complete chapter."],["S_WY-P2-C005","Organization within §501(q) → tailored counseling, access protections, reasonable/waivable fee policy and other tax-qualification conditions.","Federal tax rule; not state authorization, creditor assent, or approved form. Conditional.","S010, §501(q)(1)–(4)."],["S_WY-P2-C006","Legal-service branch → actual authorized practice and applicable business-form conditions.","Current Rule10 forms do not rewrite Chapter14; nonprofit-board exception preserved. High/conditional.","S005, Rule7; S006, Rule10."],["S_WY-P2-C007","Ordinary lawyer engagement → communicate scope, fee/rate and expenses before or within reasonable time; changes communicated.","Writing preferred, not categorically mandatory; regular-client/same-basis exception. High.","S004, Rule1.5(a)–(b)."],["S_WY-P2-C008","Contingent lawyer fee → client-signed writing with calculation, stage percentages, expenses, deduction method, and outcome statement.","Prohibited contingent categories remain; not a debt-settlement fee cap. High.","S004, Rule1.5(c)–(d)."],["S_WY-P2-C009","Compensation contingent wholly/partly on successful accomplishment → separate contingent-fee rules potentially apply.","Reasonable-value-in-any-event arrangement excluded; Rule3 collection/subrogation exception only as stated. High/conditional.","S007, Rules1,3."],["S_WY-P2-C010","Covered contingent engagement → written duplicates signed by lawyer and each client; signed copy mailed/delivered to each client within reasonable time.","Rule3 exception for specified usual-practice arrangements. High.","S007, Rule4."],["S_WY-P2-C011","Covered contingent engagement → retain agreement and delivery proof three years after first applicable completion/settlement/termination event.","Does not displace longer client-file or other retention duties. High.","S007, Rule4; S004, Rule1.15A."],["S_WY-P2-C012","Entry into contingent contract → furnish/explain rules; include prescribed provisions substantially in form.","Rights-changing modifications to I–XI ineffective absent specified district-court sanction. High.","S007, Rules5(e),6."],["S_WY-P2-C013","Prescribed contingent agreement → three-calendar-day rescission from stated date, by written registered-mail postmark or actual delivery to attorney before end of third day.","No verified email substitution or separate exact-date computation rule. High text; application conditional.","S007, AttachmentI, ¶X."],["S_WY-P2-C014","Lawyer handling settlement → client controls settlement decision; lawyer communicates and consults.","Specific advance authority possible; not unlimited by general retainer. High.","S004, Rules1.2(a),1.4 and relevant comments."],["S_WY-P2-C015","Third-party fee payment/aggregate settlement → informed consent and specified independence/confidentiality or full participation disclosures.","Wyoming Rule1.8(g) read does not expressly require a signed writing; other rules may. High.","S004, Rule1.8(f)–(g)."],["S_WY-P2-C016","Discharge/withdrawal → protect client, give reasonable notice/time, surrender entitled materials; obey applicable tribunal permission/order.","Private termination does not automatically terminate court representation. High.","S004, Rule1.16."],["S_WY-P2-C017","Unearned legal advance → trust until earned; termination → refund unearned portion.","Earning/dispute/federal timing facts required; no universal numeric refund deadline established. High/conditional.","S004, current Rule1.15(d), Rule1.16(d)."],["S_WY-P2-C018","Client file requested/representation ends → delivery and retention duties under Rule1.15A.","Default five-year retention subject to delivery, agreed alternatives, minors, intrinsic-value documents, pending matters and longer duties; not three years universally. High.","S004, Rule1.15A."]]},{"headers":["Claim ID","Actor/object/trigger → required step or consequence","Exceptions, limitations, confidence","Source/pinpoint"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Actor/object/trigger → required step or consequence","Exceptions, limitations, confidence","Source/pinpoint"],["S_WY-P2-C019","Provider finances its own services → test regular seller, consumer purpose, installments/charge, amount and exclusions.","Ordinary counseling/payment distribution is not automatically credit; future monthly services require factual analysis. Conditional.","S002, §§40-14-140(a)(xiii),(xxvi),204–205."],["S_WY-P2-C020","Applicable UCCC transaction → territorial and exclusion provisions govern; separate credit-sale registration may apply.","No displacement of entity-power limits or Chapter14 prohibition; specified choice-of-law/venue clauses invalid when §120 applies. High/conditional.","S002, §§107(d)(ii),120–121,202."],["S_WY-P2-C021","Covered consumer credit sale → federal CCPA disclosures under state §222(f); Regulation Z creditor predicates independently tested.","No automatic application of creditor-loan disclosure duties to counselor. High/conditional.","S002, §222(f); S018, §1026.2(a)(17)."],["S_WY-P2-C022","Covered closed-end credit → clear, conspicuous, retainable disclosures generally before consummation, with applicable §18 fields.","Specific mail/telephone and other exceptions; APR de-minimis and field-specific exceptions; open-end/series models not validated. High/conditional.","S018, §§1026.17–18."],["S_WY-P2-C023","Wyoming off-premises personal solicitation of ≥$25 consumer credit sale → home-solicitation branch.","Buyer-initiated entirely phone/mail, preexisting revolving account, prior fixed-premises negotiations excluded. High.","S002, §40-14-251."],["S_WY-P2-C024","Covered nonemergency home solicitation → buyer-signed, dated, same-language agreement; seller name/address; near-signature notice; duplicate detachable cancellation form.","Statutory emergency branch preserved; no invented general debt-counseling form. High.","S002, §253."],["S_WY-P2-C025","Buyer signs compliant home-sale agreement → cancellation until midnight third business day afterward; written notice to stated seller address.","Properly addressed/prepaid mailing effective on deposit; sufficient written intent; noncompliance prevents ordinary clock from running. High.","S002, §§252(a)–(d),253(d)."],["S_WY-P2-C026","Claimed state emergency exception → buyer requests immediate emergency service and good-faith substantial performance begins before cancellation.","Goods additionally nonreturnable in substantially received condition; generic waiver not sufficient. High.","S002, §252(e)."],["S_WY-P2-C027","Valid state home-sale cancellation → statutory return duties; no compensation for pre-cancellation services.","§254 says ten days; §253 form says ten business days. Reconciliation held.","S002, §§253(c),254,255(c)."],["S_WY-P2-C028","Covered FTC off-premises consumer sale → Part429 applies at $25 home/$130 other-location thresholds.","Cash or credit; complete exclusions, including no-contact mail/phone and specific emergency conditions. High/conditional.","S015, §429.0; S016 final amendment."],["S_WY-P2-C029","Covered FTC sale → receipt/contract copy, prescribed near-signature/front notice, duplicate completed cancellation forms, oral notice at execution.","Language, formatting, and complete-copy conditions apply. High.","S015, §429.1(a)–(e)."],["S_WY-P2-C030","FTC cancellation branch → third-business-day right; refund within ten business days after notice received.","Business day excludes Sunday/federal holiday; no actual holiday calendar computed. High.","S015, §§429.0(d),429.1(b),(g)."],["S_WY-P2-C031","Paid credit-improvement service within CROA definition → CROA applies unless statutory exclusion.","Actual §501(c)(3), specified own-creditor and institutional exclusions; no blanket attorney exemption. High/conditional.","S008, §1679a."],["S_WY-P2-C032","CROA contract contemplated → separate full statutory disclosure before execution; consumer-signed receipt acknowledgment retained two years.","Not embedded only in contract or other materials. High.","S008, §1679c(a)–(c)."],["S_WY-P2-C033","CROA service contract → consumer-signed, dated writing with required payment, service, timing, identity and notice terms; no services before waiting period ends.","Statutory three-business-day service waiting period; no universal application outside CROA. High.","S008, §1679d."],["S_WY-P2-C034","CROA contract or other required document signed → deliver completed contract/disclosure and copy of every required signed document at signing.","E-delivery must satisfy applicable electronic-writing rules. High.","S008, §1679e(c)."],["S_WY-P2-C035","CROA execution → cancel before midnight third business day beginning afterward; prescribed duplicate bold notice.","Form subsection says “3rd day”; substantive right says business day. Do not shorten right. High.","S008, §§1679d(b)(4),1679e(a)–(b)."],["S_WY-P2-C036","CROA-covered service → no payment before full performance; no waiver; noncomplying contract void/not enforceable.","State law preserved when not inconsistent; broader remedies not investigated. High.","S008, §§1679b(b),1679f,1679j."]]},{"headers":["Claim ID","Actor/object/trigger → required step or consequence","Exceptions, limitations, confidence","Source/pinpoint"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Actor/object/trigger → required step or consequence","Exceptions, limitations, confidence","Source/pinpoint"],["S_WY-P2-C037","UETA transaction with agreement to transact electronically → electronic form/signature cannot be rejected solely because electronic.","Scope exclusions and substantive law remain; no forced electronic dealing. High.","S002, §§40-21-103–107."],["S_WY-P2-C038","Electronic assent/delivery → prove actual attribution and provide retainable record; retained record accurate and accessible.","E-signature is not proof of agency scope; print/save inhibition can defeat required delivery. High.","S002, §§108–109,112."],["S_WY-P2-C039","Law prescribes content, timing, format or delivery method → electronic transaction must still satisfy it.","No automatic email substitution for registered mail; nonwaivable provisions preserved. High.","S002, §108; S007, AttachmentI ¶X."],["S_WY-P2-C040","Legally required consumer writing delivered electronically under E-SIGN → affirmative informed consent, paper/withdrawal/scope/procedure and technology disclosures, access demonstration.","Only where statutory consumer-writing provision applies. High/conditional.","S009, §7001(c)(1)."],["S_WY-P2-C041","E-SIGN consent changes/withdrawal → statutory prospective-effect and changed-technology protections apply.","Access-demonstration failure alone does not automatically invalidate underlying contract. High.","S009, §7001(c)(1)(D),(3)–(4)."],["S_WY-P2-C042","Court filing/order/notice or other §7003 excluded category → do not rely on E-SIGN to replace governing requirements.","UETA/court-specific analysis separately required. High.","S009, §7003."],["S_WY-P2-C043","Claimed POA → actual signed grant under governing law; directed signature requires conscious presence; acknowledgment supplies presumption.","Not every POA requires notarization under §105; excluded categories and out-of-state validity preserved. High.","S003, §§3-9-102–107."],["S_WY-P2-C044","General claims/litigation power validly granted → enumerated compromise/release/pay/receive authority can attach.","Instrument limits, other law, and creditor assent remain; negotiation-only grant is not automatically general power. High/conditional.","S003, §§201–202,212."],["S_WY-P2-C045","Authority revoked/terminated → cessation subject to statutory knowledge/good-faith rules.","New POA not automatically revocation; acceptance does not compel underlying settlement. High/conditional.","S003, §§110,120,122."],["S_WY-P2-C046","Longstanding attorney relationship asserted as authority to alter deed → McConnell rejected the asserted authority on its facts.","Property/agency case, not universal debt-settlement holding.","S019, pp.335–340,351–352."],["S_WY-P2-C047","Documented settlement and attorney delivery of executed notes → Dameron upheld delivery authority and note enforcement as to payees.","Expressly did not decide whether counsel acted improperly toward clients.","S020, ¶¶11–17 & n.1."],["S_WY-P2-C048","Parties orally reach complete settlement intending immediate agreement → later unsigned memorialization does not necessarily defeat it.","Writing-condition question factual; statute-of-frauds argument was waived, not rejected on merits.","S021, ¶¶9–17."],["S_WY-P2-C049","Signed settlement outline lacks agreement on essential terms → signature does not supply missing assent.","Cross concerned particular property terms; not an anti-electronic-signature ruling.","S022, ¶¶17–30,36."]]},{"headers":["Claim ID","Actor/object/trigger → required step or consequence","Exceptions, limitations, confidence","Source/pinpoint"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Actor/object/trigger → required step or consequence","Exceptions, limitations, confidence","Source/pinpoint"],["S_WY-P2-C050","Debt-relief telemarketing → analyze TSR jurisdiction and exemptions.","Genuine nonprofit/for-profit vendor distinction; no blanket attorney exception; debt-relief advertising responses do not receive ordinary inbound exemption. Conditional.","S011, §§310.2,.6; S014 coverage guidance."],["S_WY-P2-C051","Covered debt-relief enrollment → disclose material cost, restrictions, applicable cancellation/refund terms, time, each-creditor funding threshold, nonpayment risks and conditional account rights.","Before enrollment; no fabricated universal disclosure form. High.","S011, §310.3(a)(1), n.1, (viii)."],["S_WY-P2-C052","Covered charge/payment → express informed consent and applicable verifiable authorization requirements.","Writing/oral-record/mailed-confirmation branches and protected credit/debit exceptions are distinct; RegE may still apply. High/conditional.","S011, §§310.3(a)(3),.4(a)(7)."],["S_WY-P2-C053","Debt-relief fee trigger → actual specific settlement executed by customer plus required payment and allocation conditions.","Oral/written execution possible; blanket approval or provider POA execution is not substitute. DMP creditor binding required. High.","S011, §310.4(a)(5)(i); S012, p.48489."],["S_WY-P2-C054","Required dedicated-account arrangement → customer may leave service without penalty; qualifying balance returned within seven business days.","Deduct only fees properly earned under rule; no automatic rescission of creditor settlement. High.","S011, §310.4(a)(5)(ii)(E)."],["S_WY-P2-C055","Covered TSR records → generally five-year retention, with specified record-specific starting points and allocation duties.","Old guide’s two-year discussion superseded; not a universal retention period for all laws. High.","S011, §310.5; S013."],["S_WY-P2-C056","Telemarketed credit-improvement representations → separate §310.4(a)(2) payment restriction.","Represented service period must expire and qualifying report be issued over six months after results; not same as debt-relief trigger. High/conditional.","S011, §310.4(a)(2)."],["S_WY-P2-C057","Preauthorized recurring consumer-account debit → consumer-signed/similarly authenticated writing; copy to consumer.","Merchant cannot supply consumer authorization merely from oral permission; electronic method must qualify. High.","S017, §1005.10(b), interpretations."],["S_WY-P2-C058","Stop preauthorized transfer → bank notice at least three bank-business-days before scheduled transfer; oral/written permitted.","Bank may require confirmation within14days if specified at oral notice; revocation/verification rules separately apply. High.","S017, §1005.10(c), interpretations; §1005.2(d)."],["S_WY-P2-C059","Varying recurring amount → generally ten-day advance amount/date notice; credit generally cannot require compulsory recurring EFT.","Informed agreed-range/change-amount option; specified overdraft/minimum-balance exceptions. High.","S017, §1005.10(d)–(e)."],["S_WY-P2-C060","Claimed TILA three-day rescission → test actual principal-dwelling security and other §1026.23 predicates.","No general unsecured provider-service rescission right inferred. High/conditional.","S018, §1026.23(a)(1)."],["S_WY-P2-C061","Cancellation instruction → identify service, creditor agreement, POA, debit, account, credit transaction or court matter being affected.","Legal synthesis; no single notice automatically ends all objects.","S003–S004, S008, S011, S017–S018."],["S_WY-P2-C062","Search for official debt-counseling agreement → no general Wyoming-approved nonprofit/debt-adjuster agreement established.","Qualified search result, not proof no unindexed form exists. Held.","S001 and source-search limits."],["S_WY-P2-C063","Use of contingent-fee packet → preserve complete form fields and required notices; do not treat recovery form as approved debt-savings adaptation.","Exact adaptation and court sanction not established. Held/conditional.","S007, Rule6, AttachmentsI–IV."],["S_WY-P2-C064","UCCC agreement → debtor generally cannot waive statutory rights/benefits.","Express statutory exceptions and good-faith disputed-claim settlement condition preserved. High.","S002, §40-14-106."],["S_WY-P2-C065","Consumer credit sale → seller may not take the prohibited noncheck negotiable instrument as evidence of buyer’s obligation.","Statutory scope only; not every payment instrument prohibited. High.","S002, §237."],["S_WY-P2-C066","Consumer credit sale → assignment-of-earnings restriction applies.","Revocable payroll-deduction arrangement and stated statutory exceptions distinguished. High.","S002, §244."],["S_WY-P2-C067","Credit sale induced by prohibited referral-compensation representation → agreement unenforceability/cancellation consequences stated by statute.","Actual inducement and statutory elements required; no broader UDAP/remedy analysis. High/conditional.","S002, §245."],["S_WY-P2-C068","Credit-sale default-fee clause → only statutorily permitted default charges; specified reasonable attorney-fee condition.","Nonsalaried-attorney referral and stated realization-cost exception; no debt-adjuster fee permission. High.","S002, §§247–248."],["S_WY-P2-C069","Consumer credit-sale agreement authorizes confession of judgment → authorization void.","POA’s general claims power does not override this transaction-specific prohibition. High.","S002, §249; S003, §212."],["S_WY-P2-C070","Seller uses multiple agreements to avoid consumer-credit limits → statutory anti-evasion restriction applies.","Actual purpose/transaction facts needed. High/conditional.","S002, §236."],["S_WY-P2-C071","Claimed revolving-credit amendment or assignment-defense waiver → separate statutory and federal overlay analysis needed.","State clauses read, but no complete federal Holder Rule/open-end validation; no approval given. Held.","S002, §§238,250; S018 read limits."],["S_WY-P2-C072","Regulation Z compliance records → default two-year preservation after disclosures/action required.","Longer regulator or specific transaction requirements can apply; not current TSR five-year rule. High.","S018, §1026.25(a)."],["S_WY-P2-C073","Current lawyer advance-fee provision → use Rule1.15 effective Sept21,2026.","Compilation history read; separate July21 amendment order not recovered. High text/order-source hold.","S004, current Rule1.15/history."],["S_WY-P2-C074","Current law-practice business-form rule → Rule10 amendment effective Jan26,2026.","Final Nov25,2025 order fully read; not Chapter14 amendment. High.","S006."]]},{"headers":["Published authority","Material facts, posture, and issue","Majority holding and disposition","Scope limit and later history actually checked"],"index":7,"links":[{"href":"https://openjurist.org/68/wyo/301/mcconnell-v-dixon","text":"OpenJurist\n+1"},{"href":"https://law.justia.com/cases/wyoming/supreme-court/1986/121739.html","text":"Justia Law"},{"href":"https://law.justia.com/cases/wyoming/supreme-court/1996/123363.html","text":"Justia Law\n+1"},{"href":"https://stwjbopinions.blob.core.usgovcloudapi.net/wsc-opinions/Cross%2025-0297.pdf","text":"STWJ BOP Opinions\n+2"}],"row_links":[[],[{"href":"https://openjurist.org/68/wyo/301/mcconnell-v-dixon","text":"OpenJurist\n+1"}],[{"href":"https://law.justia.com/cases/wyoming/supreme-court/1986/121739.html","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/wyoming/supreme-court/1996/123363.html","text":"Justia Law\n+1"}],[{"href":"https://stwjbopinions.blob.core.usgovcloudapi.net/wsc-opinions/Cross%2025-0297.pdf","text":"STWJ BOP Opinions\n+2"}]],"rows":[["Published authority","Material facts, posture, and issue","Majority holding and disposition","Scope limit and later history actually checked"],["McConnell v. Dixon, Wyoming Supreme Court, June26,1951; 68Wyo301,233P.2d877","A lawyer added the purchaser’s wife as a grantee to a deed; the litigation sought reformation. Longstanding legal-adviser status and asserted agency were used to defend the alteration.","The examined authority discussion did not find the necessary authority or principal-created appearance of authority for that disposition. Judgment affirmed with modification preserving specified unlitigated matters. pp.335–340,351–352.","Property transaction, not debt-relief enrollment. Selected opinion only. Dameron’s later distinction was actually read; no comprehensive citator or current negative-history audit. S019; C046. \nOpenJurist\n+1"],["Dameron v. Lythgoe, Wyoming Supreme Court, Dec31,1986;730P.2d799","Suit on two notes arising from litigation settlement. Debtors challenged counsel’s delivery, an anticipated co-maker’s missing signature, and alleged alteration. Documentary correspondence and dismissal benefits mattered.","Affirmed enforcement. As to payees, counsel had authority to deliver; the payees had not assumed responsibility for obtaining the additional signature. Court stated the burden of denying attorney authority in this context and relied on manifested intent. ¶¶11–17.","Footnote1 expressly reserved whether delivery was improper as between lawyer and clients. Not blanket permission for lawyers to settle without client consent. McConnell distinction checked; no comprehensive later-history review. S020; C047. \nJustia Law"],["Matter of Estate of McCormick, Wyoming Supreme Court, Nov6,1996;926P.2d360","Siblings and counsel reached an estate compromise; later written memorialization remained unsigned after disagreement over tax consequences. Trial court enforced oral agreement.","Affirmed. Offer, acceptance, consideration and intent controlled; a later writing need not be a condition when parties intended an immediate complete agreement. ¶¶9–15,17.","Statute-of-frauds argument was waived at ¶16, not substantively rejected. Does not excuse CROA or contingent-fee statutory writing requirements. Entire majority read; no comprehensive later-history check. S021; C048. \nJustia Law\n+1"],["Cross v. Albright, Wyoming Supreme Court, July8,2026;2026WY75, official slip","Neighboring related landowners signed a mediation email but disputed essential mechanisms for access and property restrictions. Both sought enforcement of their versions.","Affirmed denial of enforcement: essential terms were not agreed; signature and a plan for a later formal document did not supply missing mutual assent. ¶¶17–30,36.","Not a holding that electronic agreements are invalid. Fee issues also had preservation/final-agreement limits. Selected majority read; slip revision, final reporter and later history not verified. S022; C049. \nSTWJ BOP Opinions\n+2"]]},{"headers":["Packet component","Fields and required provisions examined"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Packet component","Fields and required provisions examined"],["Attachment I—header and opening","Optional firm letterhead; agreement date; attorney name/address/phone; client name/address/phone; claim occurrence date, adverse party and event; representation for handling/presentation/settlement and litigation; associate-counsel disclosure; no promise of outcome or amount."],["I—Negotiation of fees","Time/labor; novelty/difficulty; skill; foregone work; local customary fee; advanced costs; amount/benefit; time limitations; relationship; lawyer experience/reputation/ability; contingency/certainty; prior settlement discussions."],["II—Fees","Select flat or scheduled percentage; gross/net choice and stated default if not selected; percentage blanks; applicable litigation stage; separate appeal percentage agreement; no recovery/no fee; definitions of gross, net and costs; prior-negotiation discussion and client proof of prior offer within seven days."],["III—Fee disputes","Initial inquiry to lawyer; unresolved positions exchanged in writing; stated committee procedure and district-court recourse. Current operational availability of the committee procedure was not separately verified."],["IV—Investigation","Investigation of claim, witnesses/family and medical information; accompanying medical authorization contemplated by this recovery-oriented form."],["V—Expenses","Out-of-pocket litigation expenses; possible addition to gross-basis fee; advances reimbursed when billed and no later than conclusion whether or not recovery; regular reporting."],["VI—Medical expenses","Medical treatment expenses distinguished from litigation costs; client responsibility; potential payment from client recovery; lawyer not liable if no recovery."],["VII—Structured settlement","Fee paid from initial lump sum on stated present-value basis unless otherwise agreed."],["VIII—Final distribution","Client-signed accounting showing source/total recovery, fee percentage and calculation, costs, client amount, reserves and period, and applicable liens/disbursements."],["IX—Attorney withdrawal","Written-notice withdrawal provisions in the form, subject to current Rule1.16 and tribunal requirements."],["X—Client rescission","Exact notice below: three calendar days, written registered-mail postmark or actual delivery to lawyer."],["XI—Release of information","Specified medical, financial, investigative, witness, photograph and other claim-related information to insurer/defense representatives as appropriate to negotiation or trial. Not a universal authority to settle, debit, or release unrelated claims."],["XII and execution","Other-conditions blank; date; acknowledgment of reading; lawyer “By” signature and client signature(s); attached Rules5 and6 identified."],["Attachment II—medical authorization","Lawyer and patient/client identification; birth date; treatment period; release of specified health records and oral information; prior-authorization revocation; continuing until written revocation; copy validity; date, patient/representative signature, representative relationship, witness. Read, but not adopted as necessary or valid for ordinary debt counseling, and no health-privacy analysis completed."],["Attachment III—gross recovery distribution","Client; source; gross recovery; fee percentage/base; balance after fee; workers’ compensation/other liens; unpaid lawyer costs; balance after costs; medical payments; balance after medical; proceeds; reserve; balance paid; totals; client approval/date; attorney/date."],["Attachment IV—net recovery distribution","Client; source; gross recovery; costs; net recovery; fee percentage/base; lawyer-advanced costs; total to lawyer; net after fee; client-advanced costs; total client amount; liens; medical; total deductions; proceeds; reserve; balance paid; totals; client approval/date; attorney/date."]]},{"headers":["Posture","Failure or limit"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Posture","Failure or limit"],["“The client signed our retainer, so we can initiate recurring ACH debits.”","Retainer assent is not automatically the consumer’s Regulation E debit authorization or required copy. C057."],["“We stopped the debit, so the creditor settlement disappeared.”","Debit control and settlement obligations concern different legal objects. C058–C061."],["“The contract says every future settlement under 50% is approved.”","That standing clause does not replace specific customer execution for the TSR fee trigger. C053."],["“The emergency checkbox waives cancellation.”","State and federal emergency exceptions have substantive predicates; the federal rule also requires its specified buyer-authored writing. C026, C028."],["“The lawyer’s signature is enough for every contingent agreement.”","Rule4 requires the lawyer and each client to sign the duplicates; Rule1.5(c) requires client signature. C008, C010."],["“Our nonprofit incorporation establishes the Wyoming and CROA exclusions.”","The exclusions use different factual and tax criteria. C002, C005, C031."],["“The signed settlement email resolves everything.”","Cross shows that missing essential terms can defeat formation despite signature. C049."],["“An oral settlement is always invalid.”","McCormick rejects that universal proposition; statutory writing requirements for the provider agreement still remain. C048, C033."],["“A later power of attorney automatically revoked the earlier one.”","The Wyoming statute does not make that a universal rule. C045."],["“A confession-of-judgment power in the POA overrides the credit contract restriction.”","The transaction-specific UCCC prohibition remains. C044, C069."]]},{"headers":["Assigned issue","Status","Contribution / claims","Exact missing evidence and next bounded investigation"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Assigned issue","Status","Contribution / claims","Exact missing evidence and next bounded investigation"],["1—Classify prohibited activity before drafting","Answered","Fresh Chapter14 crosscheck; no contract-created permission. C001–C004.","No actual model facts supplied; later evaluation must establish activity and exclusion, not assume them."],["1—Nonprofit exclusion conditions","Partial","Exact state wording distinguished from federal tax and CROA tests. C002,C005,C031.","Published interpretation defining Wyoming “tax exempt” and “consumer credit counseling service”; no entity-status query performed."],["1—Lawyer/professional-entity branch","Answered with application hold","Chapter14, Rule7, current Rule10 and actual legal practice separated. C003,C006,C074.","Actual legal-service facts and entity structure; no provider or bar-status investigation."],["1—No special Chapter14 agreement regime","Answered, bounded","Complete chapter inspected. C004.","No negative-universe claim about every other Wyoming law."],["2—Mandatory lawyer contents/disclosures","Answered","Ordinary versus contingent writing, fee basis, scope, expenses, outcome and separate form requirements. C007–C013.","Debt-savings adaptation of recovery form remains unresolved."],["2—Who signs/receives/retains","Answered by branch","Lawyer duplicates/three-year proof; client files; CROA copies/acknowledgment; TSR/RegZ records. C010–C011,C018,C032–C034,C055,C072.","Actual delivered records and applicable overlapping longer periods."],["2—UCCC reaches actual model?","Answered conditionally","Own-service credit distinguished from counseling/distribution. C019–C022.","Actual credit frequency, financing structure, territory and exclusions."],["2—Other state credit-services/debt-counseling agreement regime","Unresolved negative-search boundary","No additional general Wyoming-approved counseling agreement established. C062.","Further official code/rule and published-opinion search for a specifically identified additional regime; absence not certified."],["2—Credit-sale agreement restrictions","Answered for selected closed-end branch","Nonwaiver, notes, earnings, referral, default and confession restrictions. C064–C070.","Full revolving-credit, assignment-defense/Holder Rule, refinancing and secured-credit overlays remain outside this model. C071."],["2—Electronic assent, writing and delivery","Answered conditionally","UETA/E-SIGN attribution, consent, access, retention and method preservation. C037–C042.","Actual interface and delivery evidence; precise interplay with prescribed duplicate/registered-mail methods for a real transaction."],["3—Negotiate versus bind debtor","Answered at legal-framework level","POA scope and case-specific agency analysis. C043–C049.","Actual grant, principal manifestations, restrictions, knowledge and assent."],["3—Bind creditor / receive / release","Answered with facts hold","§212 powers do not manufacture creditor assent; TSR customer execution distinct. C044,C053.","Creditor agreement and actual agent authority not investigated; no private records requested."],["3—Published appellate opinions","Answered, source-limited","Four examined authorities, facts/holdings/dispositions and limits visible. C046–C049.","Comprehensive citator and later-history review; additional responsive opinions not fully recovered."],["4—Cancellation clocks/method/recipient","Answered by branch","Calendar versus business versus bank-business days; specific notice recipients and methods. C013,C025,C030,C035,C058.","Actual calendar/holiday computation deliberately not performed."],["4—Waivers/emergencies","Answered for examined branches","State/federal emergency conditions and CROA/UCCC nonwaiver. C026,C028,C036,C064.","Actual emergency facts and any other statutory exception."],["4—Unearned fees and continuing duties","Answered at agreement level","Current lawyer earned/unearned and termination duties; state home-sale service consequence. C016–C018,C027.","Actual earning, disputed amounts, quantum-meruit/contract-remedy questions remain held."],["4—State ten-day discrepancy","Unresolved interpretation","Both operative statute and required notice preserved. C027.","Published Wyoming appellate or official interpretive authority reconciling §253 notice with §254."],["4—Service cancellation versus other objects","Answered as bounded synthesis","Separate creditor compromise, POA, debit, account, loan and court procedures. C061.","Each object’s actual agreement and governing law; no full funds/account/court pass."],["4—TSR/CROA timing overlap","Answered conditionally","No state authorization displaces federal timing; specific execution and separate credit-repair restrictions. C031–C036,C050–C056.","Actual representations, sales channel, jurisdiction and exemptions."],["4—Loan rescission","Boundary answered; substantive branch excluded","Principal-dwelling predicate identified; no general unsecured-service rescission. C060.","Full secured-credit/TILA rescission investigation remains later."],["5—Current professional rules and orders","Partial","Current compilation and Rule10 final order read. C073–C074.","Separate July21,2026 Rule1.15 amendment order not retrieved; complete amendment history not certified."],["5—Nonprofit §501(q) versus state exclusion/creditor consent","Answered conditionally","Tax qualification and contract assent separated. C002,C005,C053.","Actual tax/function and creditor-approval facts; no named status inquiry."],["6—Official complete blank forms","Answered for identified forms","Entire contingent packet and statutory CROA/state/federal cancellation texts read; fields/notices visible. C024,C029,C032–C035,C063.","No approved general nonprofit debt-adjustment form located; no debt-savings adaptation approved."],["6—Generic instructions","Answered with hierarchy limit","FTC guide used only for bounded operational explanation; current rule controls record retention. C050,C055.","No marketing statements or private provider contracts used."],["7—Worked scenarios and failure postures","Answered","Seven models plus smaller failures, with predicates, steps and missing evidence.","No model declared legally enforceable or operationally approved."],["7—Same balances / no invented earning","Answered","$1,200 advance, $450 assumed earned, $750 refund reconciled without double deduction.","Actual work, reasonableness, fee dispute and federal timing remain explicit assumptions."]]},{"headers":["Hold family","Status and exact boundary"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Hold family","Status and exact boundary"],["Source currentness","Wyoming official compilations do not supply a precise consolidation-through date in the portions read. OLRC cutoffs differ: CROA a–f/§501 through Oct20; CROA j through Oct15; E-SIGN through Oct9. eCFR displayed through Oct23. Later changes through Oct27 were not exhaustively certified."],["Court-rule source","Rule10 final order fully read. Current Rule1.15 body and printed amendment history read; separate July21 order retrieval failed. Contingent-fee packet is currently linked, but a complete subsequent-amendment certificate was not obtained."],["Case law / later history","Four actual opinions examined; no complete citator, no trial-docket search, no assertion that every responsive case was found."],["Actual actor / contract / control","No real provider, lawyer, nonprofit, tax exemption, creditor authorization, electronic process, bank account, or borrower facts verified."],["Actual earning","Numerical examples do not establish earned fees, valid allocations, reasonableness, enforceability, or authority."],["Funds / bond / insurance / insolvency","Open, except narrow trust/refund/account-authorization predicates necessary here. No comprehensive account safeguards or bond analysis."],["Remedies / UDAP / contract enforcement","Open beyond express agreement consequences necessary to explain the examined clauses. No damages, restitution, limitations, or cause-of-action acceptance."],["Collection / courts / garnishment / limitations","Open. Published cases used for agreement/authority only; no procedural or enforcement dossier acceptance."],["Secured and other sector-specific debt","Open. TILA dwelling-security rescission identified only as a boundary."],["Local / tribal / other-jurisdiction law","Open. No local, tribal, federal-preemption, or multistate conflicts completion implied."],["Provider status / operations / publication","No named status finding, no filing, contact, application, implementation, publication, or approval."],["State parent / A066","This component does not accept Wyoming as complete and does not accept A066."]]},{"headers":["Reviewed P01 remainder—quoted without invented row ID","P02’s narrow contribution","Still not supplied"],"index":12,"links":[],"row_links":[[],[]],"rows":[["Reviewed P01 remainder—quoted without invented row ID","P02’s narrow contribution","Still not supplied"],["“Agreement contents and cancellation | Excluded/later pass | Only fee-timing rules needed for this component addressed | Full Chapter14, contract, UCCC, federal, and common-law agreement analysis.”","Fresh actor-first Chapter14 crosscheck; ordinary/contingent lawyer agreement rules; complete relevant official form inventory; conditional nonprofit/tax distinction; UCCC own-service-credit and solicitation predicates; CROA/TSR agreement disclosures; electronic assent/delivery; published formation/agency cases; POA/payment authority; branch-specific cancellation/termination scenarios.","Full agreement enforceability/remedies dossier; every contract doctrine; all funds/bonds/insurance/insolvency issues; collection/litigation/limitations; secured/sector/local/tribal work; actual provider or contract approval; comprehensive currentness/citator certification."]]},{"headers":["Route","Actual result","Treatment and next public-source action"],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Route","Actual result","Treatment and next public-source action"],["https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1679d&num=0&edition=prelim","404.","Not evidence. Later §1679d body successfully read through the PL119-134 route."],["https://uscode.house.gov/us/usc/119-124/t15/s1679d/","Failed retrieval.","Not treated as fresh read; later PL119-134 body recovered."],["Initial PL119-134 routes for §§1679a,1679b,1679f","Initial failures; subsequent official navigation recovered operative bodies.","Only recovered bodies credited as read. No unchanged failed result counted as corroboration."],["https://uscode.house.gov/us/usc/119-134/t15/s1679j/","No usable fresh body obtained at that version.","Fresh PL119-124 §1679j body used with Oct15 currency limit; later law held."],["https://www.wyocourts.gov/rule-amendments/","Timeout/unusable retrieval.","Current Rule1.15 compilation and history used; separate July21 order remains unexamined. Next action: recover the official order through an accessible public court route."],["Current professional-rules PDF, requested image at index68","Screenshot retrieval failed/challenge response.","No claim that that particular page image was inspected. Operative text was read; other relevant PDF images were inspected."],["https://law.justia.com/cases/wyoming/supreme-court/1953/118828.html","Spencer route yielded insufficient judicial text for a holding-level treatment.","Not relied on for a holding."],["https://www.casemine.com/judgement/us/5914ca7badd7b049347faf21","Partial Spencer judicial text only.","No inferred disposition or general attorney-authority rule. Full published opinion remains a possible next public-source recovery."],["https://www.wyocourts.gov/app/uploads/2025/01/ContingentFees-1.pdf","Companion file retrieved but not the complete packet used for this report.","Not counted as independent corroboration; S007 is the fully examined 11-page rules/forms packet."]]}],"claims":[{"claim_id":"S_WY-P2-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C001","Actor/object/trigger → required step or consequence":"Nonexcluded person undertaking covered fee-based debt adjustment → Chapter14 prohibition remains; a service contract cannot supply permission.","Exceptions, limitations, confidence":"High—text; no general civil-remedy conclusion.","Source/pinpoint":"S001, §§33-14-101(a)(ii), -102(a)."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S001"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C002","Actor/object/trigger → required step or consequence":"Claimed nonprofit exclusion → actual tax-exempt nonprofit consumer credit counseling service must be established.","Exceptions, limitations, confidence":"“Tax exempt” undefined; incorporation/name alone insufficient. Conditional.","Source/pinpoint":"S001, §33-14-101(a)(i)."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S001"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C003","Actor/object/trigger → required step or consequence":"Claimed lawyer exclusion → Wyoming-bar individual, enumerated all-Wyoming-bar entity, or actual §102(b) legal-practice situation.","Exceptions, limitations, confidence":"Attorney affiliation alone does not establish the branch. Conditional.","Source/pinpoint":"S001, §§101(a)(i),102(b)."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S001"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C004","Actor/object/trigger → required step or consequence":"Complete Chapter14 inspection → no special agreement contents, signature, delivery, retention, or cancellation regime appears there.","Exceptions, limitations, confidence":"Bounded text observation, not absence of other law. High.","Source/pinpoint":"S001, complete chapter."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S001"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C005","Actor/object/trigger → required step or consequence":"Organization within §501(q) → tailored counseling, access protections, reasonable/waivable fee policy and other tax-qualification conditions.","Exceptions, limitations, confidence":"Federal tax rule; not state authorization, creditor assent, or approved form. Conditional.","Source/pinpoint":"S010, §501(q)(1)–(4)."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":[],"unreopened_source_groups":["S_WY-P2-S010"],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C006","Actor/object/trigger → required step or consequence":"Legal-service branch → actual authorized practice and applicable business-form conditions.","Exceptions, limitations, confidence":"Current Rule10 forms do not rewrite Chapter14; nonprofit-board exception preserved. High/conditional.","Source/pinpoint":"S005, Rule7; S006, Rule10."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S005","S_WY-P2-S006"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C007","Actor/object/trigger → required step or consequence":"Ordinary lawyer engagement → communicate scope, fee/rate and expenses before or within reasonable time; changes communicated.","Exceptions, limitations, confidence":"Writing preferred, not categorically mandatory; regular-client/same-basis exception. High.","Source/pinpoint":"S004, Rule1.5(a)–(b)."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S004"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C008","Actor/object/trigger → required step or consequence":"Contingent lawyer fee → client-signed writing with calculation, stage percentages, expenses, deduction method, and outcome statement.","Exceptions, limitations, confidence":"Prohibited contingent categories remain; not a debt-settlement fee cap. High.","Source/pinpoint":"S004, Rule1.5(c)–(d)."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S004"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C009","Actor/object/trigger → required step or consequence":"Compensation contingent wholly/partly on successful accomplishment → separate contingent-fee rules potentially apply.","Exceptions, limitations, confidence":"Reasonable-value-in-any-event arrangement excluded; Rule3 collection/subrogation exception only as stated. High/conditional.","Source/pinpoint":"S007, Rules1,3."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S007"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C010","Actor/object/trigger → required step or consequence":"Covered contingent engagement → written duplicates signed by lawyer and each client; signed copy mailed/delivered to each client within reasonable time.","Exceptions, limitations, confidence":"Rule3 exception for specified usual-practice arrangements. High.","Source/pinpoint":"S007, Rule4."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S007"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C011","Actor/object/trigger → required step or consequence":"Covered contingent engagement → retain agreement and delivery proof three years after first applicable completion/settlement/termination event.","Exceptions, limitations, confidence":"Does not displace longer client-file or other retention duties. High.","Source/pinpoint":"S007, Rule4; S004, Rule1.15A."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S007","S_WY-P2-S004"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C012","Actor/object/trigger → required step or consequence":"Entry into contingent contract → furnish/explain rules; include prescribed provisions substantially in form.","Exceptions, limitations, confidence":"Rights-changing modifications to I–XI ineffective absent specified district-court sanction. High.","Source/pinpoint":"S007, Rules5(e),6."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S007"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C013","Actor/object/trigger → required step or consequence":"Prescribed contingent agreement → three-calendar-day rescission from stated date, by written registered-mail postmark or actual delivery to attorney before end of third day.","Exceptions, limitations, confidence":"No verified email substitution or separate exact-date computation rule. High text; application conditional.","Source/pinpoint":"S007, AttachmentI, ¶X."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S007"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C014","Actor/object/trigger → required step or consequence":"Lawyer handling settlement → client controls settlement decision; lawyer communicates and consults.","Exceptions, limitations, confidence":"Specific advance authority possible; not unlimited by general retainer. High.","Source/pinpoint":"S004, Rules1.2(a),1.4 and relevant comments."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S004"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C015","Actor/object/trigger → required step or consequence":"Third-party fee payment/aggregate settlement → informed consent and specified independence/confidentiality or full participation disclosures.","Exceptions, limitations, confidence":"Wyoming Rule1.8(g) read does not expressly require a signed writing; other rules may. High.","Source/pinpoint":"S004, Rule1.8(f)–(g)."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S004"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C016","Actor/object/trigger → required step or consequence":"Discharge/withdrawal → protect client, give reasonable notice/time, surrender entitled materials; obey applicable tribunal permission/order.","Exceptions, limitations, confidence":"Private termination does not automatically terminate court representation. High.","Source/pinpoint":"S004, Rule1.16."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S004"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C017","Actor/object/trigger → required step or consequence":"Unearned legal advance → trust until earned; termination → refund unearned portion.","Exceptions, limitations, confidence":"Earning/dispute/federal timing facts required; no universal numeric refund deadline established. High/conditional.","Source/pinpoint":"S004, current Rule1.15(d), Rule1.16(d)."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S004"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C018","Actor/object/trigger → required step or consequence":"Client file requested/representation ends → delivery and retention duties under Rule1.15A.","Exceptions, limitations, confidence":"Default five-year retention subject to delivery, agreed alternatives, minors, intrinsic-value documents, pending matters and longer duties; not three years universally. High.","Source/pinpoint":"S004, Rule1.15A."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S004"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C019","Actor/object/trigger → required step or consequence":"Provider finances its own services → test regular seller, consumer purpose, installments/charge, amount and exclusions.","Exceptions, limitations, confidence":"Ordinary counseling/payment distribution is not automatically credit; future monthly services require factual analysis. Conditional.","Source/pinpoint":"S002, §§40-14-140(a)(xiii),(xxvi),204–205."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S002"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C020","Actor/object/trigger → required step or consequence":"Applicable UCCC transaction → territorial and exclusion provisions govern; separate credit-sale registration may apply.","Exceptions, limitations, confidence":"No displacement of entity-power limits or Chapter14 prohibition; specified choice-of-law/venue clauses invalid when §120 applies. High/conditional.","Source/pinpoint":"S002, §§107(d)(ii),120–121,202."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S002"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C021","Actor/object/trigger → required step or consequence":"Covered consumer credit sale → federal CCPA disclosures under state §222(f); Regulation Z creditor predicates independently tested.","Exceptions, limitations, confidence":"No automatic application of creditor-loan disclosure duties to counselor. High/conditional.","Source/pinpoint":"S002, §222(f); S018, §1026.2(a)(17)."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S002","S_WY-P2-S018"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C022","Actor/object/trigger → required step or consequence":"Covered closed-end credit → clear, conspicuous, retainable disclosures generally before consummation, with applicable §18 fields.","Exceptions, limitations, confidence":"Specific mail/telephone and other exceptions; APR de-minimis and field-specific exceptions; open-end/series models not validated. High/conditional.","Source/pinpoint":"S018, §§1026.17–18."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S018"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C023","Actor/object/trigger → required step or consequence":"Wyoming off-premises personal solicitation of ≥$25 consumer credit sale → home-solicitation branch.","Exceptions, limitations, confidence":"Buyer-initiated entirely phone/mail, preexisting revolving account, prior fixed-premises negotiations excluded. High.","Source/pinpoint":"S002, §40-14-251."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S002"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C024","Actor/object/trigger → required step or consequence":"Covered nonemergency home solicitation → buyer-signed, dated, same-language agreement; seller name/address; near-signature notice; duplicate detachable cancellation form.","Exceptions, limitations, confidence":"Statutory emergency branch preserved; no invented general debt-counseling form. High.","Source/pinpoint":"S002, §253."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S002"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C025","Actor/object/trigger → required step or consequence":"Buyer signs compliant home-sale agreement → cancellation until midnight third business day afterward; written notice to stated seller address.","Exceptions, limitations, confidence":"Properly addressed/prepaid mailing effective on deposit; sufficient written intent; noncompliance prevents ordinary clock from running. High.","Source/pinpoint":"S002, §§252(a)–(d),253(d)."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S002"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C026","Actor/object/trigger → required step or consequence":"Claimed state emergency exception → buyer requests immediate emergency service and good-faith substantial performance begins before cancellation.","Exceptions, limitations, confidence":"Goods additionally nonreturnable in substantially received condition; generic waiver not sufficient. High.","Source/pinpoint":"S002, §252(e)."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S002"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C027","Actor/object/trigger → required step or consequence":"Valid state home-sale cancellation → statutory return duties; no compensation for pre-cancellation services.","Exceptions, limitations, confidence":"§254 says ten days; §253 form says ten business days. Reconciliation held.","Source/pinpoint":"S002, §§253(c),254,255(c)."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S002"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C028","Actor/object/trigger → required step or consequence":"Covered FTC off-premises consumer sale → Part429 applies at $25 home/$130 other-location thresholds.","Exceptions, limitations, confidence":"Cash or credit; complete exclusions, including no-contact mail/phone and specific emergency conditions. High/conditional.","Source/pinpoint":"S015, §429.0; S016 final amendment."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S015"],"unreopened_source_groups":["S_WY-P2-S016"],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C029","Actor/object/trigger → required step or consequence":"Covered FTC sale → receipt/contract copy, prescribed near-signature/front notice, duplicate completed cancellation forms, oral notice at execution.","Exceptions, limitations, confidence":"Language, formatting, and complete-copy conditions apply. High.","Source/pinpoint":"S015, §429.1(a)–(e)."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S015"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C030","Actor/object/trigger → required step or consequence":"FTC cancellation branch → third-business-day right; refund within ten business days after notice received.","Exceptions, limitations, confidence":"Business day excludes Sunday/federal holiday; no actual holiday calendar computed. High.","Source/pinpoint":"S015, §§429.0(d),429.1(b),(g)."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":["S_WY-P2-PINPOINT-001"],"selected_source_groups":["S_WY-P2-S015"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C031","Actor/object/trigger → required step or consequence":"Paid credit-improvement service within CROA definition → CROA applies unless statutory exclusion.","Exceptions, limitations, confidence":"Actual §501(c)(3), specified own-creditor and institutional exclusions; no blanket attorney exemption. High/conditional.","Source/pinpoint":"S008, §1679a."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S008"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C032","Actor/object/trigger → required step or consequence":"CROA contract contemplated → separate full statutory disclosure before execution; consumer-signed receipt acknowledgment retained two years.","Exceptions, limitations, confidence":"Not embedded only in contract or other materials. High.","Source/pinpoint":"S008, §1679c(a)–(c)."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S008"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C033","Actor/object/trigger → required step or consequence":"CROA service contract → consumer-signed, dated writing with required payment, service, timing, identity and notice terms; no services before waiting period ends.","Exceptions, limitations, confidence":"Statutory three-business-day service waiting period; no universal application outside CROA. High.","Source/pinpoint":"S008, §1679d."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S008"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C034","Actor/object/trigger → required step or consequence":"CROA contract or other required document signed → deliver completed contract/disclosure and copy of every required signed document at signing.","Exceptions, limitations, confidence":"E-delivery must satisfy applicable electronic-writing rules. High.","Source/pinpoint":"S008, §1679e(c)."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S008"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C035","Actor/object/trigger → required step or consequence":"CROA execution → cancel before midnight third business day beginning afterward; prescribed duplicate bold notice.","Exceptions, limitations, confidence":"Form subsection says “3rd day”; substantive right says business day. Do not shorten right. High.","Source/pinpoint":"S008, §§1679d(b)(4),1679e(a)–(b)."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S008"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C036","Actor/object/trigger → required step or consequence":"CROA-covered service → no payment before full performance; no waiver; noncomplying contract void/not enforceable.","Exceptions, limitations, confidence":"State law preserved when not inconsistent; broader remedies not investigated. High.","Source/pinpoint":"S008, §§1679b(b),1679f,1679j."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S008"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C037","Actor/object/trigger → required step or consequence":"UETA transaction with agreement to transact electronically → electronic form/signature cannot be rejected solely because electronic.","Exceptions, limitations, confidence":"Scope exclusions and substantive law remain; no forced electronic dealing. High.","Source/pinpoint":"S002, §§40-21-103–107."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S002"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C038","Actor/object/trigger → required step or consequence":"Electronic assent/delivery → prove actual attribution and provide retainable record; retained record accurate and accessible.","Exceptions, limitations, confidence":"E-signature is not proof of agency scope; print/save inhibition can defeat required delivery. High.","Source/pinpoint":"S002, §§108–109,112."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S002"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C039","Actor/object/trigger → required step or consequence":"Law prescribes content, timing, format or delivery method → electronic transaction must still satisfy it.","Exceptions, limitations, confidence":"No automatic email substitution for registered mail; nonwaivable provisions preserved. High.","Source/pinpoint":"S002, §108; S007, AttachmentI ¶X."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S002","S_WY-P2-S007"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C040","Actor/object/trigger → required step or consequence":"Legally required consumer writing delivered electronically under E-SIGN → affirmative informed consent, paper/withdrawal/scope/procedure and technology disclosures, access demonstration.","Exceptions, limitations, confidence":"Only where statutory consumer-writing provision applies. High/conditional.","Source/pinpoint":"S009, §7001(c)(1)."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S009"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C041","Actor/object/trigger → required step or consequence":"E-SIGN consent changes/withdrawal → statutory prospective-effect and changed-technology protections apply.","Exceptions, limitations, confidence":"Access-demonstration failure alone does not automatically invalidate underlying contract. High.","Source/pinpoint":"S009, §7001(c)(1)(D),(3)–(4)."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S009"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C042","Actor/object/trigger → required step or consequence":"Court filing/order/notice or other §7003 excluded category → do not rely on E-SIGN to replace governing requirements.","Exceptions, limitations, confidence":"UETA/court-specific analysis separately required. High.","Source/pinpoint":"S009, §7003."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S009"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C043","Actor/object/trigger → required step or consequence":"Claimed POA → actual signed grant under governing law; directed signature requires conscious presence; acknowledgment supplies presumption.","Exceptions, limitations, confidence":"Not every POA requires notarization under §105; excluded categories and out-of-state validity preserved. High.","Source/pinpoint":"S003, §§3-9-102–107."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S003"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C044","Actor/object/trigger → required step or consequence":"General claims/litigation power validly granted → enumerated compromise/release/pay/receive authority can attach.","Exceptions, limitations, confidence":"Instrument limits, other law, and creditor assent remain; negotiation-only grant is not automatically general power. High/conditional.","Source/pinpoint":"S003, §§201–202,212."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S003"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C045","Actor/object/trigger → required step or consequence":"Authority revoked/terminated → cessation subject to statutory knowledge/good-faith rules.","Exceptions, limitations, confidence":"New POA not automatically revocation; acceptance does not compel underlying settlement. High/conditional.","Source/pinpoint":"S003, §§110,120,122."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S003"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C046","Actor/object/trigger → required step or consequence":"Longstanding attorney relationship asserted as authority to alter deed → McConnell rejected the asserted authority on its facts.","Exceptions, limitations, confidence":"Property/agency case, not universal debt-settlement holding.","Source/pinpoint":"S019, pp.335–340,351–352."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S019"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C047","Actor/object/trigger → required step or consequence":"Documented settlement and attorney delivery of executed notes → Dameron upheld delivery authority and note enforcement as to payees.","Exceptions, limitations, confidence":"Expressly did not decide whether counsel acted improperly toward clients.","Source/pinpoint":"S020, ¶¶11–17 & n.1."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S020"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C048","Actor/object/trigger → required step or consequence":"Parties orally reach complete settlement intending immediate agreement → later unsigned memorialization does not necessarily defeat it.","Exceptions, limitations, confidence":"Writing-condition question factual; statute-of-frauds argument was waived, not rejected on merits.","Source/pinpoint":"S021, ¶¶9–17."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S021"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C049","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C049","Actor/object/trigger → required step or consequence":"Signed settlement outline lacks agreement on essential terms → signature does not supply missing assent.","Exceptions, limitations, confidence":"Cross concerned particular property terms; not an anti-electronic-signature ruling.","Source/pinpoint":"S022, ¶¶17–30,36."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S022"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C050","Actor/object/trigger → required step or consequence":"Debt-relief telemarketing → analyze TSR jurisdiction and exemptions.","Exceptions, limitations, confidence":"Genuine nonprofit/for-profit vendor distinction; no blanket attorney exception; debt-relief advertising responses do not receive ordinary inbound exemption. Conditional.","Source/pinpoint":"S011, §§310.2,.6; S014 coverage guidance."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S011"],"unreopened_source_groups":["S_WY-P2-S014"],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C051","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C051","Actor/object/trigger → required step or consequence":"Covered debt-relief enrollment → disclose material cost, restrictions, applicable cancellation/refund terms, time, each-creditor funding threshold, nonpayment risks and conditional account rights.","Exceptions, limitations, confidence":"Before enrollment; no fabricated universal disclosure form. High.","Source/pinpoint":"S011, §310.3(a)(1), n.1, (viii)."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S011"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C052","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C052","Actor/object/trigger → required step or consequence":"Covered charge/payment → express informed consent and applicable verifiable authorization requirements.","Exceptions, limitations, confidence":"Writing/oral-record/mailed-confirmation branches and protected credit/debit exceptions are distinct; RegE may still apply. High/conditional.","Source/pinpoint":"S011, §§310.3(a)(3),.4(a)(7)."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S011"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C053","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C053","Actor/object/trigger → required step or consequence":"Debt-relief fee trigger → actual specific settlement executed by customer plus required payment and allocation conditions.","Exceptions, limitations, confidence":"Oral/written execution possible; blanket approval or provider POA execution is not substitute. DMP creditor binding required. High.","Source/pinpoint":"S011, §310.4(a)(5)(i); S012, p.48489."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S011","S_WY-P2-S012"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C054","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C054","Actor/object/trigger → required step or consequence":"Required dedicated-account arrangement → customer may leave service without penalty; qualifying balance returned within seven business days.","Exceptions, limitations, confidence":"Deduct only fees properly earned under rule; no automatic rescission of creditor settlement. High.","Source/pinpoint":"S011, §310.4(a)(5)(ii)(E)."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S011"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C055","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C055","Actor/object/trigger → required step or consequence":"Covered TSR records → generally five-year retention, with specified record-specific starting points and allocation duties.","Exceptions, limitations, confidence":"Old guide’s two-year discussion superseded; not a universal retention period for all laws. High.","Source/pinpoint":"S011, §310.5; S013."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S011"],"unreopened_source_groups":["S_WY-P2-S013"],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C056","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C056","Actor/object/trigger → required step or consequence":"Telemarketed credit-improvement representations → separate §310.4(a)(2) payment restriction.","Exceptions, limitations, confidence":"Represented service period must expire and qualifying report be issued over six months after results; not same as debt-relief trigger. High/conditional.","Source/pinpoint":"S011, §310.4(a)(2)."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S011"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C057","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C057","Actor/object/trigger → required step or consequence":"Preauthorized recurring consumer-account debit → consumer-signed/similarly authenticated writing; copy to consumer.","Exceptions, limitations, confidence":"Merchant cannot supply consumer authorization merely from oral permission; electronic method must qualify. High.","Source/pinpoint":"S017, §1005.10(b), interpretations."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S017"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C058","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C058","Actor/object/trigger → required step or consequence":"Stop preauthorized transfer → bank notice at least three bank-business-days before scheduled transfer; oral/written permitted.","Exceptions, limitations, confidence":"Bank may require confirmation within14days if specified at oral notice; revocation/verification rules separately apply. High.","Source/pinpoint":"S017, §1005.10(c), interpretations; §1005.2(d)."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S017"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C059","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C059","Actor/object/trigger → required step or consequence":"Varying recurring amount → generally ten-day advance amount/date notice; credit generally cannot require compulsory recurring EFT.","Exceptions, limitations, confidence":"Informed agreed-range/change-amount option; specified overdraft/minimum-balance exceptions. High.","Source/pinpoint":"S017, §1005.10(d)–(e)."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S017"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C060","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C060","Actor/object/trigger → required step or consequence":"Claimed TILA three-day rescission → test actual principal-dwelling security and other §1026.23 predicates.","Exceptions, limitations, confidence":"No general unsecured provider-service rescission right inferred. High/conditional.","Source/pinpoint":"S018, §1026.23(a)(1)."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S018"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C061","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C061","Actor/object/trigger → required step or consequence":"Cancellation instruction → identify service, creditor agreement, POA, debit, account, credit transaction or court matter being affected.","Exceptions, limitations, confidence":"Legal synthesis; no single notice automatically ends all objects.","Source/pinpoint":"S003–S004, S008, S011, S017–S018."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S003","S_WY-P2-S004","S_WY-P2-S008","S_WY-P2-S011","S_WY-P2-S017","S_WY-P2-S018"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C062","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C062","Actor/object/trigger → required step or consequence":"Search for official debt-counseling agreement → no general Wyoming-approved nonprofit/debt-adjuster agreement established.","Exceptions, limitations, confidence":"Qualified search result, not proof no unindexed form exists. Held.","Source/pinpoint":"S001 and source-search limits."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S001"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C063","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C063","Actor/object/trigger → required step or consequence":"Use of contingent-fee packet → preserve complete form fields and required notices; do not treat recovery form as approved debt-savings adaptation.","Exceptions, limitations, confidence":"Exact adaptation and court sanction not established. Held/conditional.","Source/pinpoint":"S007, Rule6, AttachmentsI–IV."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S007"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C064","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C064","Actor/object/trigger → required step or consequence":"UCCC agreement → debtor generally cannot waive statutory rights/benefits.","Exceptions, limitations, confidence":"Express statutory exceptions and good-faith disputed-claim settlement condition preserved. High.","Source/pinpoint":"S002, §40-14-106."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S002"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C065","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C065","Actor/object/trigger → required step or consequence":"Consumer credit sale → seller may not take the prohibited noncheck negotiable instrument as evidence of buyer’s obligation.","Exceptions, limitations, confidence":"Statutory scope only; not every payment instrument prohibited. High.","Source/pinpoint":"S002, §237."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S002"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C066","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C066","Actor/object/trigger → required step or consequence":"Consumer credit sale → assignment-of-earnings restriction applies.","Exceptions, limitations, confidence":"Revocable payroll-deduction arrangement and stated statutory exceptions distinguished. High.","Source/pinpoint":"S002, §244."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S002"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C067","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C067","Actor/object/trigger → required step or consequence":"Credit sale induced by prohibited referral-compensation representation → agreement unenforceability/cancellation consequences stated by statute.","Exceptions, limitations, confidence":"Actual inducement and statutory elements required; no broader UDAP/remedy analysis. High/conditional.","Source/pinpoint":"S002, §245."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S002"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C068","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C068","Actor/object/trigger → required step or consequence":"Credit-sale default-fee clause → only statutorily permitted default charges; specified reasonable attorney-fee condition.","Exceptions, limitations, confidence":"Nonsalaried-attorney referral and stated realization-cost exception; no debt-adjuster fee permission. High.","Source/pinpoint":"S002, §§247–248."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S002"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C069","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C069","Actor/object/trigger → required step or consequence":"Consumer credit-sale agreement authorizes confession of judgment → authorization void.","Exceptions, limitations, confidence":"POA’s general claims power does not override this transaction-specific prohibition. High.","Source/pinpoint":"S002, §249; S003, §212."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S002","S_WY-P2-S003"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C070","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C070","Actor/object/trigger → required step or consequence":"Seller uses multiple agreements to avoid consumer-credit limits → statutory anti-evasion restriction applies.","Exceptions, limitations, confidence":"Actual purpose/transaction facts needed. High/conditional.","Source/pinpoint":"S002, §236."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":["S_WY-P2-STATUTORY-SCOPE-002"],"selected_source_groups":["S_WY-P2-S002"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C071","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C071","Actor/object/trigger → required step or consequence":"Claimed revolving-credit amendment or assignment-defense waiver → separate statutory and federal overlay analysis needed.","Exceptions, limitations, confidence":"State clauses read, but no complete federal Holder Rule/open-end validation; no approval given. Held.","Source/pinpoint":"S002, §§238,250; S018 read limits."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S002","S_WY-P2-S018"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C072","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C072","Actor/object/trigger → required step or consequence":"Regulation Z compliance records → default two-year preservation after disclosures/action required.","Exceptions, limitations, confidence":"Longer regulator or specific transaction requirements can apply; not current TSR five-year rule. High.","Source/pinpoint":"S018, §1026.25(a)."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S018"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C073","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C073","Actor/object/trigger → required step or consequence":"Current lawyer advance-fee provision → use Rule1.15 effective Sept21,2026.","Exceptions, limitations, confidence":"Compilation history read; separate July21 amendment order not recovered. High text/order-source hold.","Source/pinpoint":"S004, current Rule1.15/history."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S004"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}},{"claim_id":"S_WY-P2-C074","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P2-C074","Actor/object/trigger → required step or consequence":"Current law-practice business-form rule → Rule10 amendment effective Jan26,2026.","Exceptions, limitations, confidence":"Final Nov25,2025 order fully read; not Chapter14 amendment. High.","Source/pinpoint":"S006."},"coordinator_verification_status":"whole_claim_read_exact_references_reconciled_selected_clauses_only_with_retained_holds","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"selected_source_groups":["S_WY-P2-S006"],"unreopened_source_groups":[],"scope":"Every joined predicate is constrained by exact source lines. Unread incorporated clauses, other law, complete amendment/citator/history/visual/currentness and actual authority/contract/model/record/application remain held. No whole-claim acceptance from a selected source-group match.","actual_application_accepted":false}}],"sources":[{"source_id":"S_WY-P2-S001","urls":["https://wyoleg.gov/statutes/compress/title33.pdf"],"researcher_record":{"Source ID":"S_WY-P2-S001","Issuer, document, complete literal URL":"Wyoming Legislature, Title 33. https://wyoleg.gov/statutes/compress/title33.pdf","Pinpoint, version/effect, and actual read extent":"Complete operative Chapter 14 read, §§33-14-101–103; PDF indices 110–111, text and images. Official retrieved compilation; exact consolidation-through date not printed. No fresh historical effective-date claim. \nwyoleg.gov"},"coordinator_verification_status":"selected_fresh_public_primary_or_published_body_with_limits","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Complete operative Chapter14 at L3965-3997/PDF110-111: status exclusions, debtor-fee activity, prohibition, legal-practice branch and penalty. No special agreement regime in that chapter; not an all-law negative or current amendment/actual-status certificate.","finding_ids":[],"selected_scope_only":true,"all_currentness_or_actual_application_accepted":false}},{"source_id":"S_WY-P2-S002","urls":["https://wyoleg.gov/statutes/compress/title40.pdf"],"researcher_record":{"Source ID":"S_WY-P2-S002","Issuer, document, complete literal URL":"Wyoming Legislature, Title 40. https://wyoleg.gov/statutes/compress/title40.pdf","Pinpoint, version/effect, and actual read extent":"Selected complete clauses: §§40-14-103, -106–107, -120–121, -140 definitions, -202, -204–205, -222(f), -235–256; UETA §§40-21-102–112. UCCC indices 121–160 as relevant; home-solicitation 156–160; UETA selected text, image at 284. Not full Title 40. Official compilation, exact through-date unstated. \nWyoming Legislature\n+3"},"coordinator_verification_status":"selected_fresh_public_primary_or_published_body_with_limits","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Selected complete consumer-credit-sale definition, regular-engagement threshold, registration clause, home-solicitation251-256 including all blank notices, nonwaiver excerpts, targeted credit-sale restrictions and UETA consent/delivery/attribution/retention clauses. Not full Title40/UCCC/UETA/current amendments/territorial exceptions. Section236 actual charge/APR purposes require C070 qualification. Other unread incorporated definitions and complete exclusions remain held.","finding_ids":["S_WY-P2-STATUTORY-SCOPE-002"],"selected_scope_only":true,"all_currentness_or_actual_application_accepted":false}},{"source_id":"S_WY-P2-S003","urls":["https://wyoleg.gov/statutes/compress/title03.pdf"],"researcher_record":{"Source ID":"S_WY-P2-S003","Issuer, document, complete literal URL":"Wyoming Legislature, Title 3, Uniform Power of Attorney Act. https://wyoleg.gov/statutes/compress/title03.pdf","Pinpoint, version/effect, and actual read extent":"Selected §§3-9-102–110, -120, -122, -201–202, and complete §212. Indices 63–69, 77–79, 89–90 as relevant; §212 image inspected. Not all special powers, agent duties, or statutory form. \nWyoming Legislature\n+2"},"coordinator_verification_status":"selected_fresh_public_primary_or_published_body_with_limits","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Selected POA execution/applicability/validity/knowledge/termination/incorporation/acceptance limits and complete212 claims-and-litigation power. No actual grant, person, signature, assent, status, special-powers/agent-duties or current-law audit. The fresh2354 line starts new-power branch but its complete ending is not newly read.","finding_ids":[],"selected_scope_only":true,"all_currentness_or_actual_application_accepted":false}},{"source_id":"S_WY-P2-S004","urls":["https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf"],"researcher_record":{"Source ID":"S_WY-P2-S004","Issuer, document, complete literal URL":"Wyoming Supreme Court, Rules of Professional Conduct, effective September 21, 2026 compilation. https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf","Pinpoint, version/effect, and actual read extent":"Selected operative Rules 1.0, 1.2, 1.4, 1.5, 1.8(f)–(g), current 1.15, 1.15A, 1.16, 5.3. Rule 1.5 begins printed p.19/index18; 1.8(g) p.37/index36; current 1.15 begins p.66/index65, history p.71/index70; 1.16 pp.74–75/indices73–74. Compilation records July 21, 2026 amendment effective Sept.21; separate order not recovered. Old 1.15 not used as current. \nWyoming Courts\n+2"},"coordinator_verification_status":"selected_fresh_public_primary_or_published_body_with_limits","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Selected current professional compilation Rules1.2(a)-(e),1.4,1.5(b)-(e) and partial(a),1.8(f)-(g), current1.15heading/d/e/f and amendment history, selected1.15A/1.16 and comments. No signed-writing phrase imported into1.8(g). Entire compilation, underlying annotations, laterorders, missingRule1.15order and all actual earning/file facts remain held; no new pixels.","finding_ids":[],"selected_scope_only":true,"all_currentness_or_actual_application_accepted":false}},{"source_id":"S_WY-P2-S005","urls":["https://www.wyocourts.gov/app/uploads/2025/01/RULES-GOVERNING-THE-WYOMING-STATE-BAR-AND-THE-AUTHORIZED-PRACTICE-OF-LAW-Nov-2021-1.pdf","https://www.wyocourts.gov/court-rules/rules-governing-the-wyoming-state-bar-and-the-authorized-practice-of-law/—locator"],"researcher_record":{"Source ID":"S_WY-P2-S005","Issuer, document, complete literal URL":"Wyoming Supreme Court, Authorized Practice rules, November 2021 compilation, still linked by current rules page. https://www.wyocourts.gov/app/uploads/2025/01/RULES-GOVERNING-THE-WYOMING-STATE-BAR-AND-THE-AUTHORIZED-PRACTICE-OF-LAW-Nov-2021-1.pdf","Pinpoint, version/effect, and actual read extent":"Rule 7(a)–(b) and relevant exceptions selected; printed p.2/index1, following exceptions. Old Rule 10 not used. Current locator: https://www.wyocourts.gov/court-rules/rules-governing-the-wyoming-state-bar-and-the-authorized-practice-of-law/—locator and document are not independent corroboration. \nWyoming Courts\n+1"},"coordinator_verification_status":"dated_public_primary_selected_reuse_with_limits","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Only exact dated generic federal/rule body passages reread; no fresh network/version claim, no sibling merits adoption. Unread original clauses and laterlaw remain held.","finding_ids":[],"selected_scope_only":true,"all_currentness_or_actual_application_accepted":false}},{"source_id":"S_WY-P2-S006","urls":["https://www.wyocourts.gov/app/uploads/2025/11/Order-Amending-Rule-10-for-the-Authorized-Practice-of-Law-Effective-Jan-2026.pdf"],"researcher_record":{"Source ID":"S_WY-P2-S006","Issuer, document, complete literal URL":"Wyoming Supreme Court, Order Amending Rule 10. https://www.wyocourts.gov/app/uploads/2025/11/Order-Amending-Rule-10-for-the-Authorized-Practice-of-Law-Effective-Jan-2026.pdf","Pinpoint, version/effect, and actual read extent":"All five pages read; order dated Nov.25, 2025, effective Jan.26, 2026; order index0 and amended rule. Images inspected. Actual final order, not proposal. \nWyoming Courts"},"coordinator_verification_status":"selected_fresh_public_primary_or_published_body_with_limits","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Fresh final Rule10 order header/adoption/date/effective clause and selected PC/LLC/nonprofit paragraphs, including nonlawyer board exception. Not full five-page currentness certificate or proof of Chapter14 exclusion for any entity. Redline text is parsed, no pixels.","finding_ids":[],"selected_scope_only":true,"all_currentness_or_actual_application_accepted":false}},{"source_id":"S_WY-P2-S007","urls":["https://www.wyocourts.gov/app/uploads/2025/01/RULES_GOVERNING_CONTINGENT_FEES_FR_MEMBERS_OF_THE_WYOMING_STATE_BAR-1.pdf","https://www.wyocourts.gov/court-rules/rules-governing-contingent-fees-for-members-of-the-wyoming-state-bar/"],"researcher_record":{"Source ID":"S_WY-P2-S007","Issuer, document, complete literal URL":"Wyoming Supreme Court, Rules Governing Contingent Fees and Attachments I–IV. https://www.wyocourts.gov/app/uploads/2025/01/RULES_GOVERNING_CONTINGENT_FEES_FR_MEMBERS_OF_THE_WYOMING_STATE_BAR-1.pdf","Pinpoint, version/effect, and actual read extent":"All operative rules and all four blank attachments read, 11 pages. Rules1–6 pp.1–3/indices0–2; agreement pp.4–7/indices3–6; medical authorization p.8/index7; gross distribution p.9/index8; net distribution pp.10–11/indices9–10. Typesetting date March2,2016 and upload path are not legal effective dates; printed Rule5 amendment Jan31,1987/effective May5,1987. Current court locator: https://www.wyocourts.gov/court-rules/rules-governing-contingent-fees-for-members-of-the-wyoming-state-bar/. No complete later-amendment certification. \nWyoming Courts\n+2"},"coordinator_verification_status":"selected_fresh_public_primary_or_published_body_with_limits","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"All402 parsed lines of the11-page contingent-fee packet read across native fragments, including Rules1-6 and all four blank attachments. Rule4 duplicates/signatures/delivery/first-event3year record, Rule6rights-changing modifications, paragraphXcalendar/notice and recovery-form limits checked. Typeset/upload/amendment dates distinct; operational fee-committee availability and complete laterorder chain unverified. No altered form approved.","finding_ids":[],"selected_scope_only":true,"all_currentness_or_actual_application_accepted":false}},{"source_id":"S_WY-P2-S008","urls":["https://uscode.house.gov/us/usc/119-134/t15/s1679a/","https://uscode.house.gov/us/usc/119-134/t15/s1679b/","https://uscode.house.gov/us/usc/119-134/t15/s1679c/","https://uscode.house.gov/us/usc/119-134/t15/s1679d/","https://uscode.house.gov/us/usc/119-134/t15/s1679e/","https://uscode.house.gov/us/usc/119-134/t15/s1679f/","https://uscode.house.gov/us/usc/119-124/t15/s1679j/"],"researcher_record":{"Source ID":"S_WY-P2-S008","Issuer, document, complete literal URL":"U.S. House OLRC, CROA access group. https://uscode.house.gov/us/usc/119-134/t15/s1679a/ ; https://uscode.house.gov/us/usc/119-134/t15/s1679b/ ; https://uscode.house.gov/us/usc/119-134/t15/s1679c/ ; https://uscode.house.gov/us/usc/119-134/t15/s1679d/ ; https://uscode.house.gov/us/usc/119-134/t15/s1679e/ ; https://uscode.house.gov/us/usc/119-134/t15/s1679f/ ; https://uscode.house.gov/us/usc/119-124/t15/s1679j/","Pinpoint, version/effect, and actual read extent":"Complete operative sections listed read. §§a–f display through PL119-134, Oct20,2026; §j through PL119-124, Oct15,2026. Initial failed routes were not treated as reads. Later law beyond source currency not established. \nUS Code\n+5"},"coordinator_verification_status":"selected_fresh_public_primary_or_published_body_with_limits","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Fresh whole operative CROA1679c/d/e and respective source/version dates. Known initial/recovered a/b/f and failed j routes not retried; exact dated a/b/f/j bodies reread separately. Waiting period beginning signing and cancellation right beginning afterward remain distinct; original PL119-134/124 claims preserved, no current all-version certificate.","finding_ids":[],"selected_scope_only":true,"all_currentness_or_actual_application_accepted":false}},{"source_id":"S_WY-P2-S009","urls":["https://uscode.house.gov/us/usc/119-121/t15/s7001/","https://uscode.house.gov/us/usc/119-121/t15/s7002/","https://uscode.house.gov/us/usc/119-121/t15/s7003/"],"researcher_record":{"Source ID":"S_WY-P2-S009","Issuer, document, complete literal URL":"OLRC, E-SIGN access group. https://uscode.house.gov/us/usc/119-121/t15/s7001/ ; https://uscode.house.gov/us/usc/119-121/t15/s7002/ ; https://uscode.house.gov/us/usc/119-121/t15/s7003/","Pinpoint, version/effect, and actual read extent":"§§7001–7002 operative text read; selected §7003 exclusions read. Currency PL119-121, Oct9,2026. No claim of later-law verification. \nUS Code\n+2"},"coordinator_verification_status":"dated_public_primary_selected_reuse_with_limits","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Only exact dated generic federal/rule body passages reread; no fresh network/version claim, no sibling merits adoption. Unread original clauses and laterlaw remain held.","finding_ids":[],"selected_scope_only":true,"all_currentness_or_actual_application_accepted":false}},{"source_id":"S_WY-P2-S010","urls":["https://uscode.house.gov/us/usc/119-134/t26/s501/"],"researcher_record":{"Source ID":"S_WY-P2-S010","Issuer, document, complete literal URL":"OLRC, 26 U.S.C. §501(q). https://uscode.house.gov/us/usc/119-134/t26/s501/","Pinpoint, version/effect, and actual read extent":"Entire subsection (q)(1)–(4) read, not all §501. Through PL119-134, Oct20,2026. Federal tax qualification, not Wyoming authorization. \nUS Code"},"coordinator_verification_status":"original_source_version_access_attribution_not_newly_reopened","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Original source/version/access/read claims retained as researcher attribution; not freshly reopened or disproved. No newly certified substantive/currentness/application conclusion.","finding_ids":[],"selected_scope_only":true,"all_currentness_or_actual_application_accepted":false}},{"source_id":"S_WY-P2-S011","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6"],"researcher_record":{"Source ID":"S_WY-P2-S011","Issuer, document, complete literal URL":"eCFR, 16 C.F.R. Part 310, TSR. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","Pinpoint, version/effect, and actual read extent":"Selected complete operative clauses in §§310.2, .3(a)(1)–(3), .4(a)(2),(5),(7), .4(d), .5, .6. Display through Oct23,2026, Title16 last amended Oct19. This is not a complete Federal Register audit through Oct27. \neCFR\n+2"},"coordinator_verification_status":"selected_fresh_public_primary_or_published_body_with_limits","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Selected fresh Part310 cost/risk/account disclosures, informed account consent, fee triggers/allocation, partial dedicated-account conditions and five-year record starting points. Two simultaneous follow-up operations failed after earlier successful partial body; no more requests. Dated310.4 complete selected a2/a5, including seven-business-day exit, reread explicitly. Before-enrollment footnote, full coverage/exemptions/authorizations/current FR chain and other unread clauses remain held.","finding_ids":[],"selected_scope_only":true,"all_currentness_or_actual_application_accepted":false}},{"source_id":"S_WY-P2-S012","urls":["https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf","https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule"],"researcher_record":{"Source ID":"S_WY-P2-S012","Issuer, document, complete literal URL":"FTC, 2010 debt-relief final rule, 75 FR48458–48523. https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf ; companion https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule","Pinpoint, version/effect, and actual read extent":"Selected final-rule dates and preamble §III.C.5.a, especially p.48489/index31, adjacent allocation discussion p.48490/index32. Images inspected. Effective Sept27,2010 except §310.4(a)(5), effective Oct27,2010. Historical final rule crosschecked against S011; not all66 pages read. \nGovInfo\n+1"},"coordinator_verification_status":"selected_fresh_public_primary_or_published_body_with_limits","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Fresh2010 final-rule preamble p48489/PDF31 at L6937-7013 distinguishes specific customer oral/written execution from standing approval or provider POA; DMP creditor binding and initial payment predicates retained. Not full66pages, full rulemaking chain or all effective clauses/pixels.","finding_ids":[],"selected_scope_only":true,"all_currentness_or_actual_application_accepted":false}},{"source_id":"S_WY-P2-S013","urls":["https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf","https://www.federalregister.gov/documents/2024/04/16/2024-07180/telemarketing-sales-rule"],"researcher_record":{"Source ID":"S_WY-P2-S013","Issuer, document, complete literal URL":"FTC, 2024 TSR final rule, 89 FR26760–26786. https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf ; companion https://www.federalregister.gov/documents/2024/04/16/2024-07180/telemarketing-sales-rule","Pinpoint, version/effect, and actual read extent":"Dates and selected final recordkeeping amendments, pp.26784–26785/indices24–25, images inspected. Effective May16,2024; §310.5(a)(2) compliance Oct15,2024. Not full preamble or every subsequent amendment. \nGovInfo\n+1"},"coordinator_verification_status":"original_source_version_access_attribution_not_newly_reopened","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Original source/version/access/read claims retained as researcher attribution; not freshly reopened or disproved. No newly certified substantive/currentness/application conclusion.","finding_ids":[],"selected_scope_only":true,"all_currentness_or_actual_application_accepted":false}},{"source_id":"S_WY-P2-S014","urls":["https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business"],"researcher_record":{"Source ID":"S_WY-P2-S014","Issuer, document, complete literal URL":"FTC, Debt Relief Services & TSR: Guide for Business. https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business","Pinpoint, version/effect, and actual read extent":"Selected coverage/jurisdiction guidance read. Staff operational explanation, not statute or final rule. Its older two-year retention discussion is not used against current S011/S013. \nFederal Trade Commission"},"coordinator_verification_status":"original_source_version_access_attribution_not_newly_reopened","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Original source/version/access/read claims retained as researcher attribution; not freshly reopened or disproved. No newly certified substantive/currentness/application conclusion.","finding_ids":[],"selected_scope_only":true,"all_currentness_or_actual_application_accepted":false}},{"source_id":"S_WY-P2-S015","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-429/section-429.0","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-429/section-429.1"],"researcher_record":{"Source ID":"S_WY-P2-S015","Issuer, document, complete literal URL":"eCFR, 16 C.F.R. Part429 Cooling-Off Rule. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-429/section-429.0 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-429/section-429.1","Pinpoint, version/effect, and actual read extent":"Complete operative definitions, exclusions, duties, and blank notice read. Through Oct23,2026. Federal solicitation predicate distinct from state UCCC. \neCFR\n+1"},"coordinator_verification_status":"selected_fresh_public_primary_or_published_body_with_limits","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Fresh complete429.0 operative definitions/exclusions and selected complete material429.1notice/form/completion/waiver/oralnotice/refund clauses. Business-day definition is(f), requiring bounded C030 pinpoint repair. Header throughOct27/amendedOct19 separate from originalOct23 and no full FederalRegister audit.","finding_ids":["S_WY-P2-PINPOINT-001"],"selected_scope_only":true,"all_currentness_or_actual_application_accepted":false}},{"source_id":"S_WY-P2-S016","urls":["https://www.govinfo.gov/content/pkg/FR-2015-01-09/pdf/2015-00164.pdf","https://www.federalregister.gov/documents/2015/01/09/2015-00164/trade-regulation-rule-concerning-cooling-off-period-for-sales-made-at-homes-or-at-certain-other"],"researcher_record":{"Source ID":"S_WY-P2-S016","Issuer, document, complete literal URL":"FTC, 2015 Cooling-Off threshold final rule, 80 FR1329–1334. https://www.govinfo.gov/content/pkg/FR-2015-01-09/pdf/2015-00164.pdf ; companion https://www.federalregister.gov/documents/2015/01/09/2015-00164/trade-regulation-rule-concerning-cooling-off-period-for-sales-made-at-homes-or-at-certain-other","Pinpoint, version/effect, and actual read extent":"Introductory dates and operative amendment, p.1332/index3, image inspected. Effective March13,2015. Separate commissioner statements not treated as majority rule. \nGovInfo\n+1"},"coordinator_verification_status":"original_source_version_access_attribution_not_newly_reopened","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Original source/version/access/read claims retained as researcher attribution; not freshly reopened or disproved. No newly certified substantive/currentness/application conclusion.","finding_ids":[],"selected_scope_only":true,"all_currentness_or_actual_application_accepted":false}},{"source_id":"S_WY-P2-S017","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1005/10/","https://www.consumerfinance.gov/rules-policy/regulations/1005/2/"],"researcher_record":{"Source ID":"S_WY-P2-S017","Issuer, document, complete literal URL":"CFPB, Regulation E and official interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1005/10/ ; https://www.consumerfinance.gov/rules-policy/regulations/1005/2/","Pinpoint, version/effect, and actual read extent":"§1005.10(b)–(e) and relevant commentary read; selected account/business-day definitions. Labeled current, no independently established Oct27 consolidation date. No complete electronic-transfer/remedies investigation. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"selected_fresh_public_primary_or_published_body_with_limits","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Fresh1005.10(b) and interpretations plus selected(c),(d) and revocation/confirmation interpretations. Three-business-day bank notice,14day confirmation and10day variation distinct. Complete compulsory-use(e),1005.2bank-business-day definition, remedies/currentness and actual bank calendar remain unreopened, not disproved.","finding_ids":[],"selected_scope_only":true,"all_currentness_or_actual_application_accepted":false}},{"source_id":"S_WY-P2-S018","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/2/","https://www.consumerfinance.gov/rules-policy/regulations/1026/17/","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18","https://www.consumerfinance.gov/rules-policy/regulations/1026/25/","https://www.consumerfinance.gov/rules-policy/regulations/1026/23/"],"researcher_record":{"Source ID":"S_WY-P2-S018","Issuer, document, complete literal URL":"CFPB/eCFR, Regulation Z access group. https://www.consumerfinance.gov/rules-policy/regulations/1026/2/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/17/ ; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18 ; https://www.consumerfinance.gov/rules-policy/regulations/1026/25/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/23/","Pinpoint, version/effect, and actual read extent":"Selected creditor definition; §17 disclosure form/timing and identified exceptions; relevant §18 contents; §25(a) retention; §23 principal-dwelling predicate only. Not full mortgage/open-end/series-of-sales analysis. eCFR display through Oct23; CFPB pages labeled current. \nConsumer Financial Protection Bureau\n+4"},"coordinator_verification_status":"selected_fresh_public_primary_or_published_body_with_limits","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Fresh selected1026.2(a)(14)/(17) creditor/initial-obligation conditions,17(a)/(b) retainable/preconsummation and commentary,18applicability/amount/financecharge/APRsmallcharge exception. Not whole three pages, full17exceptions,25retention or23dwelling-rescission and all openend/mortgage/creditfrequency/history; no blanket disclosure checklist.","finding_ids":[],"selected_scope_only":true,"all_currentness_or_actual_application_accepted":false}},{"source_id":"S_WY-P2-S019","urls":["https://openjurist.org/68/wyo/301/mcconnell-v-dixon"],"researcher_record":{"Source ID":"S_WY-P2-S019","Issuer, document, complete literal URL":"Wyoming Supreme Court, McConnell v. Dixon, June26,1951, 68Wyo301, 233P.2d877; judicial text reproduced by OpenJurist. https://openjurist.org/68/wyo/301/mcconnell-v-dixon","Pinpoint, version/effect, and actual read extent":"Selected actual opinion: facts pp.313–317, authority pp.335–340, disposition pp.351–352. Not entire opinion. Mirror’s automated headnotes/history badges not evidence. \nOpenJurist\n+2"},"coordinator_verification_status":"selected_fresh_public_primary_or_published_body_with_limits","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Fresh caption/date and selected actual reproduced majority McConnell pp335-340 and351-352 on principal-created apparent authority, different act of deed-grantee change and affirmed-with-modification. Automated summaries not evidence. Earlier facts/other quoted authorities/complete opinion/current citator not newly read.","finding_ids":[],"selected_scope_only":true,"all_currentness_or_actual_application_accepted":false}},{"source_id":"S_WY-P2-S020","urls":["https://law.justia.com/cases/wyoming/supreme-court/1986/121739.html"],"researcher_record":{"Source ID":"S_WY-P2-S020","Issuer, document, complete literal URL":"Wyoming Supreme Court, Dameron v. Lythgoe, Dec31,1986, 730P.2d799; judicial text reproduced by Justia. https://law.justia.com/cases/wyoming/supreme-court/1986/121739.html","Pinpoint, version/effect, and actual read extent":"Entire majority ¶¶1–17 and footnote1 read. Authority principally ¶¶11–16; disposition ¶17. No complete later-history check. \nJustia Law\n+1"},"coordinator_verification_status":"selected_fresh_public_primary_or_published_body_with_limits","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Fresh caption/date/¶1, selected actual majority¶¶7-17 including asserted delivery authority, documents/payee distinction, affirmance and footnote1 client-duty reservation. Not every earlier fact or whole later-law/history audit; no universal authority presumption outside context.","finding_ids":[],"selected_scope_only":true,"all_currentness_or_actual_application_accepted":false}},{"source_id":"S_WY-P2-S021","urls":["https://law.justia.com/cases/wyoming/supreme-court/1996/123363.html"],"researcher_record":{"Source ID":"S_WY-P2-S021","Issuer, document, complete literal URL":"Wyoming Supreme Court, Matter of Estate of McCormick, Nov6,1996, 926P.2d360; judicial text reproduced by Justia. https://law.justia.com/cases/wyoming/supreme-court/1996/123363.html","Pinpoint, version/effect, and actual read extent":"Entire majority ¶¶1–17 read; formation ¶¶9–15, waived statute-of-frauds issue ¶16, affirmance ¶17. No complete later-history check. \nJustia Law\n+1"},"coordinator_verification_status":"selected_fresh_public_primary_or_published_body_with_limits","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Fresh caption/date/¶¶1-2, selected actual majority¶¶9-11,14-17 including oral-complete agreement versus later writing condition, factual formation, statute-of-frauds waiver, affirmance. No merits rejection of statutory writing or current negative-treatment certificate.","finding_ids":[],"selected_scope_only":true,"all_currentness_or_actual_application_accepted":false}},{"source_id":"S_WY-P2-S022","urls":["https://stwjbopinions.blob.core.usgovcloudapi.net/wsc-opinions/Cross%2025-0297.pdf"],"researcher_record":{"Source ID":"S_WY-P2-S022","Issuer, document, complete literal URL":"Wyoming Supreme Court, Cross v. Albright, July8,2026, 2026WY75, official slip opinion. https://stwjbopinions.blob.core.usgovcloudapi.net/wsc-opinions/Cross%2025-0297.pdf","Pinpoint, version/effect, and actual read extent":"Selected majority facts and analysis, especially ¶¶1–11,17–36; printed pp.1–10/indices1–10, relevant image p.7/index7. Slip opinion expressly subject to formal revision before reporter publication. Final reporter and later history not verified. \nSTWJ BOP Opinions\n+2"},"coordinator_verification_status":"selected_fresh_public_primary_or_published_body_with_limits","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Fresh official2026WY75caption/revision warning/¶1 and selectedmajority¶¶17-28,32-36 essentialterms/implementation uncertainty/fee preservation/affirmance. No universal electronic invalidity; gaps in original facts, other¶¶/laterrevision/reporter/citator remain held.","finding_ids":[],"selected_scope_only":true,"all_currentness_or_actual_application_accepted":false}}],"coverage":[{"topic":"1—Classify prohibited activity before drafting","researcher_record":{"Assigned issue":"1—Classify prohibited activity before drafting","Status":"Answered","Contribution / claims":"Fresh Chapter14 crosscheck; no contract-created permission. C001–C004.","Exact missing evidence and next bounded investigation":"No actual model facts supplied; later evaluation must establish activity and exclusion, not assume them."},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_WY-P2-C001","S_WY-P2-C002","S_WY-P2-C003","S_WY-P2-C004"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"1—Nonprofit exclusion conditions","researcher_record":{"Assigned issue":"1—Nonprofit exclusion conditions","Status":"Partial","Contribution / claims":"Exact state wording distinguished from federal tax and CROA tests. C002,C005,C031.","Exact missing evidence and next bounded investigation":"Published interpretation defining Wyoming “tax exempt” and “consumer credit counseling service”; no entity-status query performed."},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_WY-P2-C002","S_WY-P2-C005","S_WY-P2-C031"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"1—Lawyer/professional-entity branch","researcher_record":{"Assigned issue":"1—Lawyer/professional-entity branch","Status":"Answered with application hold","Contribution / claims":"Chapter14, Rule7, current Rule10 and actual legal practice separated. C003,C006,C074.","Exact missing evidence and next bounded investigation":"Actual legal-service facts and entity structure; no provider or bar-status investigation."},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_WY-P2-C003","S_WY-P2-C006","S_WY-P2-C074"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"1—No special Chapter14 agreement regime","researcher_record":{"Assigned issue":"1—No special Chapter14 agreement regime","Status":"Answered, bounded","Contribution / claims":"Complete chapter inspected. C004.","Exact missing evidence and next bounded investigation":"No negative-universe claim about every other Wyoming law."},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_WY-P2-C004"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"2—Mandatory lawyer contents/disclosures","researcher_record":{"Assigned issue":"2—Mandatory lawyer contents/disclosures","Status":"Answered","Contribution / claims":"Ordinary versus contingent writing, fee basis, scope, expenses, outcome and separate form requirements. C007–C013.","Exact missing evidence and next bounded investigation":"Debt-savings adaptation of recovery form remains unresolved."},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_WY-P2-C007","S_WY-P2-C008","S_WY-P2-C009","S_WY-P2-C010","S_WY-P2-C011","S_WY-P2-C012","S_WY-P2-C013"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"2—Who signs/receives/retains","researcher_record":{"Assigned issue":"2—Who signs/receives/retains","Status":"Answered by branch","Contribution / claims":"Lawyer duplicates/three-year proof; client files; CROA copies/acknowledgment; TSR/RegZ records. C010–C011,C018,C032–C034,C055,C072.","Exact missing evidence and next bounded investigation":"Actual delivered records and applicable overlapping longer periods."},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_WY-P2-C010","S_WY-P2-C011","S_WY-P2-C018","S_WY-P2-C032","S_WY-P2-C033","S_WY-P2-C034","S_WY-P2-C055","S_WY-P2-C072"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"2—UCCC reaches actual model?","researcher_record":{"Assigned issue":"2—UCCC reaches actual model?","Status":"Answered conditionally","Contribution / claims":"Own-service credit distinguished from counseling/distribution. C019–C022.","Exact missing evidence and next bounded investigation":"Actual credit frequency, financing structure, territory and exclusions."},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_WY-P2-C019","S_WY-P2-C020","S_WY-P2-C021","S_WY-P2-C022"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"2—Other state credit-services/debt-counseling agreement regime","researcher_record":{"Assigned issue":"2—Other state credit-services/debt-counseling agreement regime","Status":"Unresolved negative-search boundary","Contribution / claims":"No additional general Wyoming-approved counseling agreement established. C062.","Exact missing evidence and next bounded investigation":"Further official code/rule and published-opinion search for a specifically identified additional regime; absence not certified."},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_WY-P2-C062"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"2—Credit-sale agreement restrictions","researcher_record":{"Assigned issue":"2—Credit-sale agreement restrictions","Status":"Answered for selected closed-end branch","Contribution / claims":"Nonwaiver, notes, earnings, referral, default and confession restrictions. C064–C070.","Exact missing evidence and next bounded investigation":"Full revolving-credit, assignment-defense/Holder Rule, refinancing and secured-credit overlays remain outside this model. C071."},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_WY-P2-C064","S_WY-P2-C065","S_WY-P2-C066","S_WY-P2-C067","S_WY-P2-C068","S_WY-P2-C069","S_WY-P2-C070"],"finding_ids":["S_WY-P2-STATUTORY-SCOPE-002"],"original_status_and_missing_evidence_preserved":true}},{"topic":"2—Electronic assent, writing and delivery","researcher_record":{"Assigned issue":"2—Electronic assent, writing and delivery","Status":"Answered conditionally","Contribution / claims":"UETA/E-SIGN attribution, consent, access, retention and method preservation. C037–C042.","Exact missing evidence and next bounded investigation":"Actual interface and delivery evidence; precise interplay with prescribed duplicate/registered-mail methods for a real transaction."},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_WY-P2-C037","S_WY-P2-C038","S_WY-P2-C039","S_WY-P2-C040","S_WY-P2-C041","S_WY-P2-C042"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"3—Negotiate versus bind debtor","researcher_record":{"Assigned issue":"3—Negotiate versus bind debtor","Status":"Answered at legal-framework level","Contribution / claims":"POA scope and case-specific agency analysis. C043–C049.","Exact missing evidence and next bounded investigation":"Actual grant, principal manifestations, restrictions, knowledge and assent."},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_WY-P2-C043","S_WY-P2-C044","S_WY-P2-C045","S_WY-P2-C046","S_WY-P2-C047","S_WY-P2-C048","S_WY-P2-C049"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"3—Bind creditor / receive / release","researcher_record":{"Assigned issue":"3—Bind creditor / receive / release","Status":"Answered with facts hold","Contribution / claims":"§212 powers do not manufacture creditor assent; TSR customer execution distinct. C044,C053.","Exact missing evidence and next bounded investigation":"Creditor agreement and actual agent authority not investigated; no private records requested."},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_WY-P2-C044","S_WY-P2-C053"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"3—Published appellate opinions","researcher_record":{"Assigned issue":"3—Published appellate opinions","Status":"Answered, source-limited","Contribution / claims":"Four examined authorities, facts/holdings/dispositions and limits visible. C046–C049.","Exact missing evidence and next bounded investigation":"Comprehensive citator and later-history review; additional responsive opinions not fully recovered."},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_WY-P2-C046","S_WY-P2-C047","S_WY-P2-C048","S_WY-P2-C049"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"4—Cancellation clocks/method/recipient","researcher_record":{"Assigned issue":"4—Cancellation clocks/method/recipient","Status":"Answered by branch","Contribution / claims":"Calendar versus business versus bank-business days; specific notice recipients and methods. C013,C025,C030,C035,C058.","Exact missing evidence and next bounded investigation":"Actual calendar/holiday computation deliberately not performed."},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_WY-P2-C013","S_WY-P2-C025","S_WY-P2-C030","S_WY-P2-C035","S_WY-P2-C058"],"finding_ids":["S_WY-P2-PINPOINT-001"],"original_status_and_missing_evidence_preserved":true}},{"topic":"4—Waivers/emergencies","researcher_record":{"Assigned issue":"4—Waivers/emergencies","Status":"Answered for examined branches","Contribution / claims":"State/federal emergency conditions and CROA/UCCC nonwaiver. C026,C028,C036,C064.","Exact missing evidence and next bounded investigation":"Actual emergency facts and any other statutory exception."},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_WY-P2-C026","S_WY-P2-C028","S_WY-P2-C036","S_WY-P2-C064"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"4—Unearned fees and continuing duties","researcher_record":{"Assigned issue":"4—Unearned fees and continuing duties","Status":"Answered at agreement level","Contribution / claims":"Current lawyer earned/unearned and termination duties; state home-sale service consequence. C016–C018,C027.","Exact missing evidence and next bounded investigation":"Actual earning, disputed amounts, quantum-meruit/contract-remedy questions remain held."},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_WY-P2-C016","S_WY-P2-C017","S_WY-P2-C018","S_WY-P2-C027"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"4—State ten-day discrepancy","researcher_record":{"Assigned issue":"4—State ten-day discrepancy","Status":"Unresolved interpretation","Contribution / claims":"Both operative statute and required notice preserved. C027.","Exact missing evidence and next bounded investigation":"Published Wyoming appellate or official interpretive authority reconciling §253 notice with §254."},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_WY-P2-C027"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"4—Service cancellation versus other objects","researcher_record":{"Assigned issue":"4—Service cancellation versus other objects","Status":"Answered as bounded synthesis","Contribution / claims":"Separate creditor compromise, POA, debit, account, loan and court procedures. C061.","Exact missing evidence and next bounded investigation":"Each object’s actual agreement and governing law; no full funds/account/court pass."},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_WY-P2-C061"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"4—TSR/CROA timing overlap","researcher_record":{"Assigned issue":"4—TSR/CROA timing overlap","Status":"Answered conditionally","Contribution / claims":"No state authorization displaces federal timing; specific execution and separate credit-repair restrictions. C031–C036,C050–C056.","Exact missing evidence and next bounded investigation":"Actual representations, sales channel, jurisdiction and exemptions."},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_WY-P2-C031","S_WY-P2-C032","S_WY-P2-C033","S_WY-P2-C034","S_WY-P2-C035","S_WY-P2-C036","S_WY-P2-C050","S_WY-P2-C051","S_WY-P2-C052","S_WY-P2-C053","S_WY-P2-C054","S_WY-P2-C055","S_WY-P2-C056"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"4—Loan rescission","researcher_record":{"Assigned issue":"4—Loan rescission","Status":"Boundary answered; substantive branch excluded","Contribution / claims":"Principal-dwelling predicate identified; no general unsecured-service rescission. C060.","Exact missing evidence and next bounded investigation":"Full secured-credit/TILA rescission investigation remains later."},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_WY-P2-C060"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"5—Current professional rules and orders","researcher_record":{"Assigned issue":"5—Current professional rules and orders","Status":"Partial","Contribution / claims":"Current compilation and Rule10 final order read. C073–C074.","Exact missing evidence and next bounded investigation":"Separate July21,2026 Rule1.15 amendment order not retrieved; complete amendment history not certified."},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_WY-P2-C073","S_WY-P2-C074"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"5—Nonprofit §501(q) versus state exclusion/creditor consent","researcher_record":{"Assigned issue":"5—Nonprofit §501(q) versus state exclusion/creditor consent","Status":"Answered conditionally","Contribution / claims":"Tax qualification and contract assent separated. C002,C005,C053.","Exact missing evidence and next bounded investigation":"Actual tax/function and creditor-approval facts; no named status inquiry."},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_WY-P2-C002","S_WY-P2-C005","S_WY-P2-C053"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"6—Official complete blank forms","researcher_record":{"Assigned issue":"6—Official complete blank forms","Status":"Answered for identified forms","Contribution / claims":"Entire contingent packet and statutory CROA/state/federal cancellation texts read; fields/notices visible. C024,C029,C032–C035,C063.","Exact missing evidence and next bounded investigation":"No approved general nonprofit debt-adjustment form located; no debt-savings adaptation approved."},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_WY-P2-C024","S_WY-P2-C029","S_WY-P2-C032","S_WY-P2-C033","S_WY-P2-C034","S_WY-P2-C035","S_WY-P2-C063"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"6—Generic instructions","researcher_record":{"Assigned issue":"6—Generic instructions","Status":"Answered with hierarchy limit","Contribution / claims":"FTC guide used only for bounded operational explanation; current rule controls record retention. C050,C055.","Exact missing evidence and next bounded investigation":"No marketing statements or private provider contracts used."},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":["S_WY-P2-C050","S_WY-P2-C055"],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"7—Worked scenarios and failure postures","researcher_record":{"Assigned issue":"7—Worked scenarios and failure postures","Status":"Answered","Contribution / claims":"Seven models plus smaller failures, with predicates, steps and missing evidence.","Exact missing evidence and next bounded investigation":"No model declared legally enforceable or operationally approved."},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":[],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"7—Same balances / no invented earning","researcher_record":{"Assigned issue":"7—Same balances / no invented earning","Status":"Answered","Contribution / claims":"$1,200 advance, $450 assumed earned, $750 refund reconciled without double deduction.","Exact missing evidence and next bounded investigation":"Actual work, reasonableness, fee dispute and federal timing remain explicit assumptions."},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":[],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"Source currentness","researcher_record":{"Hold family":"Source currentness","Status and exact boundary":"Wyoming official compilations do not supply a precise consolidation-through date in the portions read. OLRC cutoffs differ: CROA a–f/§501 through Oct20; CROA j through Oct15; E-SIGN through Oct9. eCFR displayed through Oct23. Later changes through Oct27 were not exhaustively certified."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":[],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"Court-rule source","researcher_record":{"Hold family":"Court-rule source","Status and exact boundary":"Rule10 final order fully read. Current Rule1.15 body and printed amendment history read; separate July21 order retrieval failed. Contingent-fee packet is currently linked, but a complete subsequent-amendment certificate was not obtained."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":[],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"Case law / later history","researcher_record":{"Hold family":"Case law / later history","Status and exact boundary":"Four actual opinions examined; no complete citator, no trial-docket search, no assertion that every responsive case was found."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":[],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"Actual actor / contract / control","researcher_record":{"Hold family":"Actual actor / contract / control","Status and exact boundary":"No real provider, lawyer, nonprofit, tax exemption, creditor authorization, electronic process, bank account, or borrower facts verified."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":[],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"Actual earning","researcher_record":{"Hold family":"Actual earning","Status and exact boundary":"Numerical examples do not establish earned fees, valid allocations, reasonableness, enforceability, or authority."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":[],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"Funds / bond / insurance / insolvency","researcher_record":{"Hold family":"Funds / bond / insurance / insolvency","Status and exact boundary":"Open, except narrow trust/refund/account-authorization predicates necessary here. No comprehensive account safeguards or bond analysis."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":[],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"Remedies / UDAP / contract enforcement","researcher_record":{"Hold family":"Remedies / UDAP / contract enforcement","Status and exact boundary":"Open beyond express agreement consequences necessary to explain the examined clauses. No damages, restitution, limitations, or cause-of-action acceptance."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":[],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"Collection / courts / garnishment / limitations","researcher_record":{"Hold family":"Collection / courts / garnishment / limitations","Status and exact boundary":"Open. Published cases used for agreement/authority only; no procedural or enforcement dossier acceptance."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":[],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"Secured and other sector-specific debt","researcher_record":{"Hold family":"Secured and other sector-specific debt","Status and exact boundary":"Open. TILA dwelling-security rescission identified only as a boundary."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":[],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"Local / tribal / other-jurisdiction law","researcher_record":{"Hold family":"Local / tribal / other-jurisdiction law","Status and exact boundary":"Open. No local, tribal, federal-preemption, or multistate conflicts completion implied."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":[],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"Provider status / operations / publication","researcher_record":{"Hold family":"Provider status / operations / publication","Status and exact boundary":"No named status finding, no filing, contact, application, implementation, publication, or approval."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":[],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}},{"topic":"State parent / A066","researcher_record":{"Hold family":"State parent / A066","Status and exact boundary":"This component does not accept Wyoming as complete and does not accept A066."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_complete_with_retained_holds_not_component_state_parent_or_actual_application_acceptance","coordinator_review":{"at":"2026-10-29T07:52:20.546677+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","claim_ids_resolved":[],"finding_ids":[],"original_status_and_missing_evidence_preserved":true}}],"annotations":{},"corrections":[{"issue_id":"S_WY-P2-PINPOINT-001","finding":"","affected_claim_ids":["S_WY-P2-C030"],"related_claim_ids":[],"validated_exact_raw_rows":[{"raw_table_index_zero_based":4,"raw_array_row_index_zero_based_including_header":12,"header_repeated_at_row_zero":true,"row_cells_sha256":"c66ec771e06e8d3f7ae1396b46bc929c110fadf3d47b69d69eb98816ca0fb2a0","verbatim_cells":["S_WY-P2-C030","FTC cancellation branch → third-business-day right; refund within ten business days after notice received.","Business day excludes Sunday/federal holiday; no actual holiday calendar computed. High.","S015, §§429.0(d),429.1(b),(g)."]}],"exact_original_cell_matches":[],"source_urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-429/section-429.0"],"localization":"exact_native_row_or_cell_matches_available","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"S_WY-P2-STATUTORY-SCOPE-002","finding":"","affected_claim_ids":["S_WY-P2-C070"],"related_claim_ids":[],"validated_exact_raw_rows":[{"raw_table_index_zero_based":6,"raw_array_row_index_zero_based_including_header":21,"header_repeated_at_row_zero":true,"row_cells_sha256":"a4c90c7ec0c79879c429009a5e07536c1c982f8ee50a0cc1e5840b9480855776","verbatim_cells":["S_WY-P2-C070","Seller uses multiple agreements to avoid consumer-credit limits → statutory anti-evasion restriction applies.","Actual purpose/transaction facts needed. High/conditional.","S002, §236."]}],"exact_original_cell_matches":[],"source_urls":["https://wyoleg.gov/statutes/compress/title40.pdf"],"localization":"exact_native_row_or_cell_matches_available","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."}],"resolved_corrections":[],"review_history":[{"id":"S_WY-P2-REVIEW-SCOPE","status":"scoped_delegated_coordinator_review_complete_with_two_bounded_UNSENT_corrections_and_retained_holds","at":null},{"id":"S_WY-P2-SOURCE-ACCESS-CURRENTNESS-HOLD","status":"open_retained_source_access_version_currentness_judicial_holds","at":null},{"id":"S_WY-P2-AGREEMENT-CANCELLATION-APPLICATION-HOLD","status":"open_retained_actual_actor_contract_authority_delivery_earning_calendar_and_application_holds","at":null}]}