{"meta":{"key":"s_wy--pass-03","task":"S_WY","title":"Wyoming funds, custody, accounts, remittance, and return","parent_title":"Wyoming debt and debt relief law","edition":"pass-03","path":"/research/s_wy--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":16,"claims":74,"sources":26,"review_status":"reviewed_scoped_partial_with_holds","review_complete":true,"sha256":"29ec73947e86012a7793b41e9cc63ed613b577c2240c02ec1a806370f940df1b","headings":["Wyoming funds, custody, accounts, remittance, and return","Principal findings","1. Actor, activity, purpose, nexus, and funds flow","Branch matrix","Consumer purpose and remote providers","2. Ownership, title, segregation, control, institution, and interest","2.1 No special Chapter 14 trust regime","2.2 Lawyer-held money","2.3 Consumer-owned dedicated settlement accounts","2.4 Money-transmitter assets are not automatically individual consumer deposit accounts","3. Deposit, remittance, clearing, posting, accounting, and access","3.1 No universal remittance deadline established","3.2 “Remitted” does not necessarily mean “credited to the creditor”","3.3 Consumer access and error handling","4. Return triggers: cancellation, failure, dispute, death, and erroneous payment","Failure and death require identifying the proper actor","5. Lawyer and nonprofit branches","5.1 Current professional-rule version","5.2 Disputed entitlement is not unilateral offset authority","5.3 Nonprofit tax qualification is not custody permission","6. Money transmission, delegates, payee agents, and processors","6.1 Separate state licensing gate","6.2 Wyoming’s fixed federal reference matters","6.3 Labels do not satisfy the exclusions","6.4 Regulations and instructions: important verification limit","7. Published cases and formal interpretations","8. Worked cash-flow analysis","C1. Classification and money-transmission rules","C2. Lawyer funds","C3. TSR, payment systems, agency, trusts, and remaining limits","Model 1 — Provider-held DMP ledger with separate consumer balances","Inputs and sequence","Conservation","Model 2 — Consumer-owned third-party account; insufficient performance","Model 3 — Lawyer advance: earned, disputed, and unearned portions","Inputs and sequence","Required allocation","Model 4 — TSR return with consistent enrollment balances and prior fees","Same enrolled debts and method throughout","Historical cash flow","Branch A — B satisfies all required earning conditions","Branch B — B payment happened, but required customer execution is missing","Smaller failure postures","F1. Every assigned question and material subquestion","F2. Broader categories expressly still open","H1. Material failed or limited routes","H2. Actual read versus not read","Final component determination"],"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-03","facets":{"geography":["us","us-wy"],"debt_type":[],"stage":[],"subject":["client-money"]},"scope":"ReviewedP01exacttrustaccounts/bonds/financialassuranceremainder narrowedfunds/custody/remittance/return;bondseparatelater/P02agreementunreviewednotpremise","pending_corrections":0},"markdown":"# SettleADebt — S_WY PASS-03\n\n## Wyoming funds, custody, accounts, remittance, and return\n\n**Actual fresh source-access date:** **October 27, 2026, Pacific.**\n**Historical baseline:** October 22, 2026—not a current-verification date.\n\n**Evidence boundary:** This report does not adopt P02’s conclusions. The authorities supporting the findings below were freshly inspected for this pass. The reviewed P01 remainder is reproduced in the contribution crosswalk; no external save, import, queue, hash, or review status is certified here.\n\n**Component status:** Substantive funds-control findings are established at the stated source scope. Important holds remain on the separate Rule 1.15 amendment order, official money-transmitter rule/adoption verification, actual account structures, insurance, insolvency priorities, and comprehensive later case history. This is not completion or acceptance of the Wyoming parent dossier or A066.\n\nIn the text, **S001** abbreviates **S_WY-P3-S001**, and **C001** abbreviates **S_WY-P3-C001**. The registers below contain the stable identifiers.\n\n## Principal findings\n\n**Account structure does not cure prohibited debt adjusting.** Wyoming Chapter 14 reaches both fee-based adjustment of debts and receipt/distribution of debtor funds. A consumer-owned account, lawyer trust account, nonprofit designation, or licensed processor does not independently establish a lawful underlying debt-adjustment business. **C001–C005.** [Wyoming Legislature+1](https://wyoleg.gov/statutes/compress/title33.pdf)\n\n**Wyoming does not supply one universal debt-relief trust-account regime.** The complete Chapter 14 text contains no special account-title, deposit, reconciliation, remittance, or refund schedule. Potentially applicable duties instead arise from the actor’s actual status and conduct: professional rules, money-transmission law, an actual trust or agency relationship, the conditional federal TSR dedicated-account provision, and payment-system law. **C004, C006–C019, C020–C057.** [Wyoming Legislature+2](https://wyoleg.gov/statutes/compress/title33.pdf)\n\n**A negotiated debt-management service and a standalone bill-payment administrator can receive different money-transmission treatment.** FinCEN’s published rulings distinguish transmission integral to a genuine negotiated DMP from accepting customer funds simply to pay bills. An administrator does not inherit the counselor’s exclusion merely by serving its customers. **C009–C013.** [FinCEN.gov+2](https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/definition-money-services-business-debt)\n\n**The current Wyoming lawyer rule requires separate accounting, not merely a bank account labeled “trust.”** The version effective September 21, 2026 requires client-specific ledgers, at least quarterly written reconciliation, preservation of disputed funds, prompt delivery of undisputed entitlements, and five-year retention measured from termination of representation. **C020–C035.** [Wyoming Courts+2](https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf)\n\n**The TSR’s seven-business-day provision concerns actual receipt of the remaining account funds after withdrawal from the service.** It is not merely a right to request a withdrawal, an instruction to initiate an ACH transfer, or a universal bank-account-closing deadline. Its exception is limited to debt-relief fees earned consistently with all applicable elements of §310.4(a)(5)(i)(A)–(C). **C039–C043.** [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\n# A. Numbered substantive findings\n\n## 1. Actor, activity, purpose, nexus, and funds flow\n\nThe analysis begins with two separate questions:\n\n**First:** Is the underlying debt-adjustment activity lawful for this actor?\n**Second:** Who actually receives, possesses, controls, transmits, or owes the money?\n\nThose questions cannot be collapsed. Chapter 14’s exclusion of an actual tax-exempt nonprofit consumer credit counseling service or a qualifying attorney/legal-practice situation does not expressly grant a separate money-transmitter exemption. Conversely, money-transmitter authority does not authorize a Chapter 14-prohibited business. **C001–C008.** [Wyoming Legislature+1](https://wyoleg.gov/statutes/compress/title33.pdf)\n\n### Branch matrix\n\n| Actual funds flow | Initial classification | Potential funds regime | What remains necessary |\n| --- | --- | --- | --- |\n| Nonexcluded provider collects debtor money and distributes it to creditors for a fee | Chapter 14 expressly reaches the custodial activity | Prohibition remains; another account regime does not cure it | Actual exclusion or materially different activity—not merely different account branding |\n| Actual excluded nonprofit receives monthly DMP contributions | Chapter 14 exclusion is conditional; receipt/transmission remains a separate inquiry | Money-transmitter law unless exempt; actual trust/agency duties; payment rules; applicable federal law | Tax-exempt nonprofit counseling function, creditor-negotiated plan, account ownership, transmission classification |\n| Consumer owns a settlement account administered by an independent third party | Noncustodial settlement activity can still be covered by Chapter 14 | Conditional TSR dedicated-account rule; administrator’s own money-transmission analysis; Regulation E where applicable | Ownership, interest, control, affiliation, authorizations, bank and administrator contracts |\n| Consumer pays the creditor directly; provider receives no payment funds | No provider custody is established by that flow alone | Consumer-bank/payment rules; provider’s negotiation activity still separately classified | Verify that provider cannot debit, redirect, intercept, or otherwise control funds |\n| Lawyer receives client or third-party money in a representation | Actual legal-practice and Chapter 14 predicates must exist | Current Rule 1.15; Rule 1.16; applicable trust, agency, payment and federal rules | Proper institution, title, ledgers, authority, entitlement, earning, disputes |\n| Independent administrator accepts customer money and pays bills | Not automatically a debt counselor, bank, or exempt processor | Money-transmitter analysis under state law and incorporated federal definition | Actual receipt/control, underlying service, payee agreements, settlement system |\n| Authorized delegate receives funds for a licensed transmitter | Delegate status requires the statutory written appointment and scope | Licensee procedures, delegate contract, statutory remittance and examination duties | Actual written appointment; no inferred affiliate or subdelegate authority |\n| Actual express trust holds program money | “Trust” label alone is insufficient | Applicable Wyoming Trust Code provisions, subject to governing law, trust terms and mandatory rules | Valid trust, trustee, beneficiaries, powers, governing law and administration terms |\n\n**Claims:** C001–C019, C039–C057, C064–C072. [Wyoming Legislature+3](https://wyoleg.gov/statutes/compress/title33.pdf)\n\n### Consumer purpose and remote providers\n\nChapter 14 itself contains no explicit personal/family/household limitation or detailed remote-provider nexus rule. That text does not justify treating business debt, creditor-funded services, indirect charges, or remote operations as categorically outside the prohibition. Those boundaries remain held.\n\nThe Money Transmitters Act is more explicit: §40-22-103(b) addresses persons offering, advertising, or providing money-transmission services to Wyoming residents for personal, family, or household purposes, including through the internet or another electronic medium. Its general licensing provision and definitions must also be examined for other activity; the consumer provision is not a verified blanket exemption for business-purpose transmission. **C005–C008, C069.** [Wyoming Legislature+1](https://wyoleg.gov/statutes/compress/title40.pdf)\n\n## 2. Ownership, title, segregation, control, institution, and interest\n\n### 2.1 No special Chapter 14 trust regime\n\nFresh reading of §§33-14-101 through -103 established no special debt-adjuster trust-account statute. It does **not** establish that an excluded counselor may commingle money, use it for operations, disregard an agency obligation, or hold it without accounting. Those questions require another applicable source and the actual legal relationship. **C004.** [Wyoming Legislature](https://wyoleg.gov/statutes/compress/title33.pdf)\n\n### 2.2 Lawyer-held money\n\nFor funds possessed in connection with representation, current Rule 1.15 requires separation from the lawyer’s property and placement in an IOLTA or non-IOLTA account as appropriate. IOLTA is for funds that cannot produce net income for the client or third party beyond the costs of obtaining that income; other funds belong in a non-IOLTA arrangement. The classification requires attention to amount, expected duration, rates, costs and administrative capability. **C021–C024.** [Wyoming Courts+1](https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf)\n\nThe rule also supplies operational controls:\n\n| Issue | Current lawyer-rule requirement |\n| --- | --- |\n| Institution | Qualifying regulated institution located in Wyoming or having a Wyoming branch, with the rule’s federal-insurance and State Bar approval conditions |\n| Title and access | Account in the lawyer’s or firm’s name, clearly designated as a trust account; required direct disbursement capability |\n| Deposits | Client and third-party funds deposited intact |\n| Withdrawal authority | Wyoming lawyer or supervised person under the rule; no debit-card or ATM withdrawals; identified payees rather than checks to cash |\n| Lawyer’s own money | Only the amount necessary for minimum-balance requirements or bank service charges under the rule |\n| IOLTA interest | Net interest handled under the IOLTA provisions for the Wyoming Foundation for Civil Justice; specified allowable charges cannot consume client principal |\n| Non-IOLTA interest | For the client or third-party owner, not the lawyer; special interest-bearing arrangements follow written instructions |\n| Multiple clients | Separate beneficial-interest ledgers remain necessary even where funds are pooled |\n\n**C025–C028, C032, C065, C067.** These conditions do not prove that a particular account is insured to a particular amount or that its records qualify for pass-through coverage. [Wyoming Courts+2](https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf)\n\n### 2.3 Consumer-owned dedicated settlement accounts\n\nWhere the TSR applies, the required-account exception has all of the following conditions: an account at an insured financial institution; consumer ownership and entitlement to accrued interest; an administrator not owned, controlled by, or affiliated with the debt-relief service; no referral compensation between the administrator and the service; and the specified withdrawal-and-return right. **C039–C041.** [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\nA lawyer’s IOLTA account is not automatically interchangeable with that structure. The professional rule’s title, administration and interest arrangements must be assessed separately against the TSR’s consumer-ownership, interest and administrator-independence conditions. Nor does a nonbank administrator become an insured bank because it places funds at one. **C024–C027, C040, C046.** [Wyoming Courts+2](https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf)\n\n### 2.4 Money-transmitter assets are not automatically individual consumer deposit accounts\n\nSection 40-22-107 requires qualifying permissible investments against outstanding payment instruments, subject to its express commissioner-waiver condition. Subsection (b) provides a bankruptcy-triggered statutory trust for those investments, even if commingled.\n\nThat is **not** the same thing as a requirement that every customer have a separately titled bank account. It also is not a completed determination of tracing, bankruptcy priority, recovery amount, or insurance. **C017–C018, C046, C074.** [Wyoming Legislature+1](https://wyoleg.gov/statutes/compress/title40.pdf)\n\n## 3. Deposit, remittance, clearing, posting, accounting, and access\n\n### 3.1 No universal remittance deadline established\n\nWithin the complete Chapter 14 and the selected money-transmitter provisions examined, no universal “deposit within X days” or “credit every creditor within X days” rule for every excluded counselor was established.\n\nThe actual requirements found are different:\n\n| Duty | Trigger and time unit |\n| --- | --- |\n| Lawyer notification, delivery and requested accounting | **Promptly**, subject to entitlement, disputes and applicable law—not a fixed number of days |\n| Lawyer reconciliation | Written reconciliation **at least quarterly** |\n| Lawyer funds records | **Five years after termination of representation** |\n| Licensed transmitter general ledger | Posted **at least monthly** |\n| Licensed transmitter records | Preserved **five years**; §116 does not state the lawyer rule’s termination-based starting point |\n| Out-of-state transmitter records | Accessible to commissioner on **seven business days’ written notice**—not a consumer refund period |\n| Authorized delegate remittance | According to the applicable written contract; subdelegate contract and consent conditions also apply |\n| Conditional TSR service withdrawal | Consumer must **receive** the qualifying balance within **seven business days** |\n| POA accounting request | **Thirty days**, or timely written explanation and compliance within an additional **thirty days**, under the default statutory rule |\n\n**C015–C016, C030–C032, C041, C053, C062.** [Wyoming Legislature+3](https://wyoleg.gov/statutes/compress/title40.pdf)\n\n### 3.2 “Remitted” does not necessarily mean “credited to the creditor”\n\nWyoming’s money-transmitter definition of “remit” concerns payment to the licensee or its representative, or deposit into the institution account specified by the licensee. A delegate’s compliance with that duty does not by itself prove final receipt or correct posting by the consumer’s creditor. **C015.** [Wyoming Legislature+1](https://wyoleg.gov/statutes/compress/title40.pdf)\n\nSimilarly, a payment instruction, a provider ledger entry, a bank’s available balance, a settled bank item and a creditor’s account credit are different events. Wyoming UCC §§34.1-3-310, -4-214 and -4-215 establish relevant distinctions for checks and bank collection: an uncertified check ordinarily suspends the underlying obligation until the stated payment/certification or dishonor event, and provisional bank credit may be charged back before final settlement. These provisions are not a universal ACH or wire-transfer timetable. **C058–C060.** [Wyoming Legislature+2](https://wyoleg.gov/statutes/compress/title34.1.pdf)\n\n### 3.3 Consumer access and error handling\n\nA covered consumer deposit account may carry Regulation E statement, authorization and error-resolution rights. A bona fide trust account is excluded from Regulation E’s account definition; that conclusion depends on the actual legal arrangement, not the word “trust” in the account name. **C047.** [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1005/2/)\n\nRecurring debits require the consumer’s signed or similarly authenticated authorization and a copy. Timely stop-payment and revocation procedures concern the bank debit; they do not automatically terminate the provider service or reverse a creditor payment. **C048–C049, C063.** [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1005/10/)\n\nFor a qualifying error notice, Regulation E ordinarily uses a ten-business-day investigation period, with a conditional longer investigation and provisional-credit process. The rule contains important exceptions and extensions, including certain new-account, point-of-sale and foreign-transfer circumstances. It is not a substitute for the TSR’s seven-business-day return requirement. **C050.** [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1005/11/)\n\n## 4. Return triggers: cancellation, failure, dispute, death, and erroneous payment\n\nThe amount to return must be determined from **actual ownership and the current reconciled balance**, not from total historical contributions alone.\n\nThe relevant distinctions are:\n\n- Money already validly paid to a creditor is not still in the administrator’s account.\n- An already-withdrawn earned fee cannot be deducted a second time.\n- A proposed fee is not an earned fee merely because it was invoiced or a creditor received some payment.\n- Returned or failed transfers must be reconciled to the correct consumer ledger.\n- Disputed money may require preservation while the undisputed portion is distributed.\n- Revocation of a debit authorization is not, by itself, recovery of previous transfers.\n\nThese are accounting applications of the separate entitlement, return, dispute and payment rules—not an independent universal Wyoming refund statute. **C029–C035, C041–C042, C049–C060, C063–C065.** [Wyoming Courts+3](https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf)\n\n### Failure and death require identifying the proper actor\n\nFor lawyers, Rule 1.16 requires return of unearned advances upon termination, while Rule 1.15 governs disputed funds and entitled recipients. A disciplinary suspension order served on the financial institution can separately enjoin disbursements except by court order. A general “prompt return” duty cannot be treated as authority to ignore that injunction. **C031, C035–C036.** [Wyoming Courts+1](https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf)\n\nCurrent disciplinary Rule 26(d) provides for protective appointment of counsel when its incapacity, disappearance, death, suspension/disbarment and lack-of-responsible-party conditions are met. The appointment is made by a district judge on Bar Counsel’s request. It is not automatic authority for an unrelated administrator or employee to empty the trust account. **C037.** [Wyoming Courts](https://www.wyocourts.gov/app/uploads/2025/01/WYOMING-RULES-OF-DISCIPLINARY-PROCEDURE-1.pdf)\n\nFor a POA, death of the principal terminates the power, subject to the statute’s protections for certain actions without actual knowledge of termination. That termination does not transfer beneficial ownership to the agent. The proper estate or successor recipient still must be established. **C054.** [Wyoming Legislature+1](https://wyoleg.gov/statutes/compress/title03.pdf)\n\nFor an actual express trust, §4-10-817 requires expeditious distribution upon termination, subject to its reasonable-reserve provision. That is not a free-standing right to withhold a reserve contrary to another applicable rule or the trust’s governing terms. **C055–C057.** [Wyoming Legislature+1](https://wyoleg.gov/statutes/compress/title04.pdf)\n\nAdministrator insolvency, bank failure, tracing, priority and insurance payout are **not resolved** by these return provisions. Those remain in the separate financial-assurance/insolvency pass.\n\n## 5. Lawyer and nonprofit branches\n\n### 5.1 Current professional-rule version\n\nThe official compilation contains both an older Rule 1.15 and the replacement expressly labeled **effective September 21, 2026**. This pass used the latter body. Its printed history attributes the amendment to **July 21, 2026**, but the separate amendment order was not recovered. The operative compilation was read; the separate-order requirement remains a source hold. **C020.** [Wyoming Courts+1](https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf)\n\nThe separate Rule 10 order dated November 25, 2025 and effective January 26, 2026 was freshly inspected for its date, operative status and relevant business-form provision. It does not itself establish Chapter 14 exclusion or permission to receive money under a particular engagement. **C071.** [Wyoming Courts+1](https://www.wyocourts.gov/app/uploads/2025/11/Order-Amending-Rule-10-for-the-Authorized-Practice-of-Law-Effective-Jan-2026.pdf)\n\n### 5.2 Disputed entitlement is not unilateral offset authority\n\nRule 1.15(f) requires preservation of the disputed portion, including a dispute involving the lawyer, and prompt distribution of portions not in dispute. A fee agreement is not proof that the claimed fee was earned, and neither an invoice nor unilateral characterization settles ownership. **C029–C031.** [Wyoming Courts](https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf)\n\nThe published **Winship** decision supplies a related third-party boundary: a lawyer with notice of a valid assignment of settlement proceeds could not ignore it merely because the lawyer lacked a direct contract with the assignee. The case does not require withholding for every unsupported unsecured-creditor demand. **C038.** [FindLaw Caselaw](https://caselaw.findlaw.com/court/wy-supreme-court/1152759.html)\n\n### 5.3 Nonprofit tax qualification is not custody permission\n\nA freshly recovered OLRC §501 body displayed currency only through **Public Law 119-120, October 7, 2026**. Section 501(q) imposes conditional federal tax-qualification rules on credit-counseling organizations, including restrictions involving related businesses, referrals and creditor-derived revenues. It supplies no Wyoming money-transmitter license and does not prove the state exclusion for a particular entity. **C061.** [US Code+1](https://uscode.house.gov/us/usc/119-118/t26/s501/)\n\nThe following remain unproved for unusual models: whether an indirect charge is a debtor fee under Chapter 14; whether a creditor-funded operation meets the complete nonprofit exclusion; whether business-purpose services fall outside any particular consumer rule; and whether the actual service satisfies FinCEN’s integral-service analysis. **C005, C009–C013, C069.**\n\n## 6. Money transmission, delegates, payee agents, and processors\n\n### 6.1 Separate state licensing gate\n\nSection 40-22-104 does not provide a general exemption merely because a person is a lawyer, nonprofit counselor, account administrator or processor. Its institutional exclusions have conditions, including the limitation concerning certain noninstitution delegates. Section 103(e) separately allows a properly appointed authorized delegate to operate within the licensee’s authority without its own license. **C006–C008, C014.** [Wyoming Legislature+1](https://wyoleg.gov/statutes/compress/title40.pdf)\n\n### 6.2 Wyoming’s fixed federal reference matters\n\nSection 104(a)(viii) references whether a money transmitter is a money-services business under **31 C.F.R. §1010.100(ff), as amended as of January 1, 2020**. It is therefore insufficient to inspect only today’s eCFR.\n\nThe exact January 1, 2020 online route failed. The relevant text was instead checked in the official 2019 and 2020 annual CFR editions. Their matching §1010.100(ff) language and amendment history provide a historical version check; this is not represented as a successful exact-date fetch. Current federal text was separately read for current federal classification. **C008–C009.** [GovInfo+3](https://www.govinfo.gov/content/pkg/CFR-2019-title31-vol3/pdf/CFR-2019-title31-vol3-part1010.pdf)\n\n### 6.3 Labels do not satisfy the exclusions\n\nThe federal definition turns on actual acceptance and transmission, with specified exclusions. Particularly relevant are transmission integral to the person’s own non-transmission service and qualifying payment processing through a clearance/settlement system under the required seller/creditor relationship.\n\nA contract with the **debtor alone** does not establish the payee-side processor conditions described in FinCEN’s 2013 ruling. Nor does being an affiliate of an exempt bank or counselor automatically make a separate entity exempt. **C009, C011–C013.** [eCFR+1](https://www.ecfr.gov/current/title-31/section-1010.100)\n\n### 6.4 Regulations and instructions: important verification limit\n\nThe Division of Banking’s official page directed to Wyoming’s rule repositories, but the accessible official routes did not yield the operative rule/adoption bodies. Published reproductions of the Wyoming money-transmitter rules were inspected, including the unsafe-or-unsound-practices definition. They were **not upgraded to an issuer-verified current adoption package**.\n\nAccordingly, the statute-based conclusions stand at their stated scope, while complete current regulation/adoption verification remains partial. The official application page’s NMLS instruction establishes procedure only; no application, license query, or named-entity authorization was performed. **C019, C066, C074.** [Wyoming Banking Division+2](https://wyomingbankingdivision.wyo.gov/money-transmitters/laws-and-regulations)\n\n## 7. Published cases and formal interpretations\n\nOne responsive Wyoming Supreme Court majority opinion was examined substantively. Four FinCEN formal administrative rulings were examined for the federal funds-transmission boundary. They are not treated as court judgments or as state-law permissions.\n\nA separate Wyoming disciplinary order was found, but the underlying report needed for the proposed offset factual comparison was not recovered. No holding was reconstructed from a rule annotation. No comprehensive citator or later-history certificate was obtained. The comparison table appears in Section D.\n\n## 8. Worked cash-flow analysis\n\nFour complete models and additional failure postures appear in Section E. They distinguish:\n\n- lawful-actor and account predicates from arithmetic;\n- separate consumer beneficial balances from the pooled bank balance;\n- current funds from historical remittances;\n- already-paid fees from fees still held;\n- undisputed earned amounts from disputed claims;\n- customer execution and valid performance from a payment that happened without the required agreement.\n\nNo model supplies a Wyoming authorization, insurance conclusion, actual fee-earning determination, or verified holiday deadline.\n\n# B. Source register\n\n**Every entry was accessed or attempted on October 27, 2026, Pacific.**\n“Selected” means the stated portions, not the entire document. Companion routes are not counted as independent corroboration. For Wyoming statutory PDFs, no separate printed pagination was visible in the relevant pages; zero-based indices are supplied.\n\n| Source ID | Issuer/document and complete literal HTTPS URL | Version, exact pinpoint and actual read extent |\n| --- | --- | --- |\n| **S_WY-P3-S001** | Wyoming Legislature, Title 33. https://wyoleg.gov/statutes/compress/title33.pdf | **Complete operative Chapter 14**, §§33-14-101–103; PDF indices **110–111**, text and images. Official retrieved compilation; precise consolidation-through date unstated. Historical enactments not reverified. [Wyoming Legislature+1](https://wyoleg.gov/statutes/compress/title33.pdf) |\n| **S_WY-P3-S002** | Wyoming Legislature, Title 40. https://wyoleg.gov/statutes/compress/title40.pdf | Selected complete relevant clauses of §§40-22-102–104, -107, -116–119; §106 security gateway only. Definitions/scope indices **294–298**; §107 **299–300**; records/delegates **308–310**. Images inspected at relevant indices. Not a full licensing/security/remedies audit. [Wyoming Legislature+1](https://wyoleg.gov/statutes/compress/title40.pdf) |\n| **S_WY-P3-S003** | Wyoming Division of Banking, money-transmitter operational pages. https://wyomingbankingdivision.wyo.gov/money-transmitters/laws-and-regulations ; https://wyomingbankingdivision.wyo.gov/money-transmitters/application-forms | Selected official instructions and rule links read. Operational material, not substantive permission. Rule destinations https://sos.wyo.gov/Rules/default.aspx and https://rules.wyo.gov/ yielded no usable operative rule/adoption body. [Wyoming Banking Division+1](https://wyomingbankingdivision.wyo.gov/money-transmitters/laws-and-regulations) |\n| **S_WY-P3-S004** | Wyoming money-transmitter regulations, reproduced by Cornell LII. https://www.law.cornell.edu/regulations/wyoming/agency-021/subagency-0004/chapter-1/021-1-Wyo-Code-R-SSSS-1-2 ; https://www.law.cornell.edu/regulations/wyoming/021-2-Wyo-Code-R-SS-2-5 | Operative reproduced §§1-2 and 2-5 read; §1-2 unsafe/unsound definition used conditionally. §2-5 displays amendment November 16, 2021; no issuer adoption order recovered. **Current official-body verification held.** [Legal Information Institute+1](https://www.law.cornell.edu/regulations/wyoming/agency-021/subagency-0004/chapter-1/021-1-Wyo-Code-R-SSSS-1-2) |\n| **S_WY-P3-S005** | Treasury/GPO, 2019 annual CFR, Part 1010. https://www.govinfo.gov/content/pkg/CFR-2019-title31-vol3/pdf/CFR-2019-title31-vol3-part1010.pdf | Historical §1010.100(ff), particularly (5) and (8); printed **pp.729–732**, indices **4–7**; image **p.731/index6**. Selected historical definition read, not entire part. [GovInfo+1](https://www.govinfo.gov/content/pkg/CFR-2019-title31-vol3/pdf/CFR-2019-title31-vol3-part1010.pdf) |\n| **S_WY-P3-S006** | Treasury/GPO, 2020 annual CFR, Part 1010. https://www.govinfo.gov/content/pkg/CFR-2020-title31-vol3/pdf/CFR-2020-title31-vol3-part1010.pdf | Same relevant definition, printed **pp.841–844**, indices **4–7**; image **p.843/index6**; amendment-history note **p.847/index10**. Paired historical-version check with S005, not independent corroboration. [GovInfo+1](https://www.govinfo.gov/content/pkg/CFR-2020-title31-vol3/pdf/CFR-2020-title31-vol3-part1010.pdf) |\n| **S_WY-P3-S007** | Treasury/eCFR, current §1010.100. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010/subpart-A/section-1010.100 | Selected §1010.100(ff), especially (5), (8). Display through **October 23, 2026**; Title 31 last amended October 15. Current federal reading separate from Wyoming’s fixed 2020 reference. [eCFR+1](https://www.ecfr.gov/current/title-31/section-1010.100) |\n| **S_WY-P3-S008** | FinCEN, Ruling **2004-4**, November 24, 2004, DMP. https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/definition-money-services-business-debt | **Full operative HTML ruling read**. Historical §103.11 framework; fact-limited conclusion concerning transmission integral to negotiated DMP services. Not state authorization. [FinCEN.gov](https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/definition-money-services-business-debt) |\n| **S_WY-P3-S009** | FinCEN, **FIN-2012-R004**, daily money management. https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/application-money-services-business-2 ; https://www.fincen.gov/system/files/administrative_ruling/FIN-2012-R004.pdf | Operative ruling read; PDF printed **pp.1–4/indices0–3**, selected images inspected. PDF says **issued May 25, 2012**; webpage date field says June 25. PDF issuance date retained; discrepancy not concealed. [FinCEN.gov+1](https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/application-money-services-business-2) |\n| **S_WY-P3-S010** | FinCEN, **FIN-2013-R002**, November 13, 2013, payable-through drafts. https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/administrative-ruling-whether-company-offers | Operative facts and analysis read: acceptance/transmission, DMP distinction and payment-processor conditions. Formal, fact-limited ruling; no state permission or comprehensive later-history certificate. [FinCEN.gov](https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/administrative-ruling-whether-company-offers) |\n| **S_WY-P3-S011** | FinCEN, **FIN-2014-R005**, April 29, 2014, secured transaction/escrow. https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/whether-company-offers-secured-transaction | Operative facts, integral-service analysis and conclusion read. No blanket “escrow” exemption inferred. [FinCEN.gov](https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/whether-company-offers-secured-transaction) |\n| **S_WY-P3-S012** | Wyoming Supreme Court, Professional Conduct compilation. https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf | **Current Rule 1.15 body/comments selected in full**, printed **pp.66–71/indices65–70**; selected Rule1.15A comment and Rule1.16(c)–(d), printed **pp.74–75/indices73–74**. Current body effective **Sept21,2026**; printed history says amended July21. Separate amendment order not recovered. Some page-image requests failed; text was read. [Wyoming Courts+2](https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf) |\n| **S_WY-P3-S013** | Wyoming Supreme Court, Rule10 amendment order. https://www.wyocourts.gov/app/uploads/2025/11/Order-Amending-Rule-10-for-the-Authorized-Practice-of-Law-Effective-Jan-2026.pdf | Order page and relevant Rule10(a) selected; order **Nov25,2025**, effective **Jan26,2026**; order image index0. Not represented as a full five-page read in this pass. [Wyoming Courts+1](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-P3-S014** | Wyoming Supreme Court, Disciplinary Procedure compilation. https://www.wyocourts.gov/app/uploads/2025/01/WYOMING-RULES-OF-DISCIPLINARY-PROCEDURE-1.pdf | Selected Rule17, especially (d), printed **pp.28–29/indices27–28**; **current Rule26(d)** printed **p.45/index44**, not preceding superseded text. Rule26 amendment June25,2019, effective Sept1,2019. Current-linked compilation; complete later amendment history not certified. [Wyoming Courts+1](https://www.wyocourts.gov/app/uploads/2025/01/WYOMING-RULES-OF-DISCIPLINARY-PROCEDURE-1.pdf) |\n| **S_WY-P3-S015** | Wyoming State Bar, Trust Account Handbook. https://www.wyomingbar.org/wp-content/uploads/Trust-Account-Handbook-4.pdf | Selected operational guidance, including printed **p.14/index15**, and other selected accounting guidance. Includes an older Rule1.15 reproduction; **not used as current 2026 rule text**. Populated examples not adopted as required blank forms. [Wyoming State Bar](https://www.wyomingbar.org/wp-content/uploads/Trust-Account-Handbook-4.pdf) |\n| **S_WY-P3-S016** | FTC/eCFR, TSR access group. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.5 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6 | Relevant definitions, account disclosures, **complete §310.4(a)(5)**, payment consent, selected records and exemptions. Display through **Oct23,2026**, Title16 last amended Oct19. Not a complete Federal Register audit through Oct27. [eCFR+2](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) |\n| **S_WY-P3-S017** | FTC, 2010 debt-relief final rule, 75FR48458. https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf | Selected dedicated-account discussion, **pp.48490–48491/indices32–33**, images inspected, including relevant footnotes. Account-rule effective date **Oct27,2010**. Historical final explanation checked against current S016; not all66 pages read. [GovInfo+1](https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf) |\n| **S_WY-P3-S018** | FTC staff, Debt Relief Services and TSR Guide. https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business | Selected coverage/jurisdiction and attorney/nonprofit explanations. Expressly staff guidance, not binding Commission rule. Older retention discussion not used against current §310.5. [Federal Trade Commission](https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business) |\n| **S_WY-P3-S019** | CFPB, Regulation E and official interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1005/2/ ; https://www.consumerfinance.gov/rules-policy/regulations/1005/9/ ; https://www.consumerfinance.gov/rules-policy/regulations/1005/10/ ; https://www.consumerfinance.gov/rules-policy/regulations/1005/11/ | Selected account/business-day definitions; §9(b)–(c); §10 relevant receipt, authorization and stop provisions; §11 notice/investigation/correction and exceptions. Current-labeled pages; no separately established Oct27 consolidation certificate. [Consumer Financial Protection Bureau+3](https://www.consumerfinance.gov/rules-policy/regulations/1005/2/) |\n| **S_WY-P3-S020** | Wyoming Legislature, Title3 POA Act. https://wyoleg.gov/statutes/compress/title03.pdf | Selected §§3-9-110, -114, -122; indices **68–72,76–77**. §114 duties and accounting provisions read; relevant images inspected. No full agency/estate/POA drafting analysis. [Wyoming Legislature+2](https://wyoleg.gov/statutes/compress/title03.pdf) |\n| **S_WY-P3-S021** | Wyoming Legislature, Title4 Trust Code. https://wyoleg.gov/statutes/compress/title04.pdf | Selected §§4-10-102, -105, -801, -809–810, -817; indices **3,9–10,59,64,73**. Images64 and73 inspected. §813 only partly examined; no universal annual-report claim made. [Wyoming Legislature+2](https://wyoleg.gov/statutes/compress/title04.pdf) |\n| **S_WY-P3-S022** | Wyoming Legislature, Title34.1 UCC. https://wyoleg.gov/statutes/compress/title34.1.pdf | Selected complete §§34.1-3-310, -4-214, -4-215; indices **146–147,190–192**. Relevant images inspected. Not full ACH, wire, Regulation CC or payment-network coverage. [Wyoming Legislature+2](https://wyoleg.gov/statutes/compress/title34.1.pdf) |\n| **S_WY-P3-S023** | OLRC, 26U.S.C. §501(q). https://uscode.house.gov/us/usc/119-118/t26/s501/ | Subsection(q) operative provisions read. **Page displays laws through PL119-120, Oct7,2026**, despite route label. Freshly read dated body; later law unverified. Newer/preliminary routes failed. [US Code+1](https://uscode.house.gov/us/usc/119-118/t26/s501/) |\n| **S_WY-P3-S024** | Wyoming Supreme Court, **Winship v. Gem City Bone & Joint**, 2008WY68,185P.3d1252, June19,2008; judicial text reproduced by FindLaw. https://caselaw.findlaw.com/court/wy-supreme-court/1152759.html | Material facts and majority analysis, particularly **¶¶1–7,9–28**, disposition and relevant footnote. Judicial text, not publisher summary, used. No comprehensive later-history check. [FindLaw Caselaw+1](https://caselaw.findlaw.com/court/wy-supreme-court/1152759.html) |\n| **S_WY-P3-S025** | Wyoming Supreme Court, **Board of Professional Responsibility v. Davidson**, 2005WY89; reproduced order. https://law.justia.com/cases/wyoming/supreme-court/2005/444415.html | **Order only** retrieved; underlying adopted report needed for detailed offset facts not recovered. Not relied on for an offset holding. Metadata/order dating discrepancy not resolved. [Justia Law](https://law.justia.com/cases/wyoming/supreme-court/2005/444415.html) |\n| **S_WY-P3-S026** | FTC, 2024 TSR final rule, 89FR26760. https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf | Dates and selected final §310.5 text, **p.26760/index0, p.26784/index24**, images inspected. Effective **May16,2024**; §310.5(a)(2) compliance **Oct15,2024**. Not entire27-page preamble. [GovInfo+1](https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf) |\n\n# C. Atomic claim register\n\n**Confidence:** “High/text” means the proposition is clear in the examined text, subject to the source-currentness limits. “Conditional” means actual applicability depends on facts not established. “Held” identifies missing evidence or unresolved interpretation.\n\n## C1. Classification and money-transmission rules\n\n| Claim ID | Actor/object/trigger → rule or required step | Exception, consequence and confidence | Source/pinpoint |\n| --- | --- | --- | --- |\n| **S_WY-P3-C001** | Nonexcluded person conducts covered fee-based debt adjustment → prohibition applies. | Account architecture does not create authority. High/text. | S001 §§33-14-101–102. |\n| **S_WY-P3-C002** | Claimed nonprofit exclusion → actual tax-exempt nonprofit consumer credit counseling service must be established. | Name, incorporation or unrelated approval insufficient. Conditional. | S001 §101(a)(i). |\n| **S_WY-P3-C003** | Claimed lawyer/entity exclusion → exact status or legal-practice predicate must exist. | Attorney connection alone insufficient. Conditional. | S001 §§101(a)(i),102(b). |\n| **S_WY-P3-C004** | Complete Chapter14 inspection → no special trust/title/deposit/reconciliation/remittance/return regime appears there. | Bounded text observation, not absence of other law. High. | S001 complete chapter. |\n| **S_WY-P3-C005** | Business debt, remote service, indirect or creditor-paid fee → no categorical Chapter14 safe harbor established. | Exact territorial/fee construction remains held. | S001 §101 and complete chapter. |\n| **S_WY-P3-C006** | Person receives money/value for transmission or issues/sells covered instruments → test Money Transmitters Act. | Resident consumer services expressly reach electronic/remote offers; general scope also matters. High/conditional. | S002 §§102(a)(xiii),103(a)–(b). |\n| **S_WY-P3-C007** | Claimed institutional exemption → satisfy actual §104 category and conditions. | No blanket counselor/lawyer/administrator/affiliate exclusion; bank-delegate proviso preserved. High. | S002 §104(a). |\n| **S_WY-P3-C008** | Claimed §104(a)(viii) exemption → analyze §1010.100(ff) as amended Jan1,2020. | Current eCFR alone is not the historical state reference. High/text; exact-date fetch held. | S002 §104(a)(viii); S005–S007. |\n| **S_WY-P3-C009** | Federal money transmission → actual acceptance/transmission and enumerated exclusions control. | Processor and integral-service exclusions require their elements; natural-person occasional/nonprofit-activity language is not a blanket nonprofit-entity exclusion. Conditional. | S005–S007 §1010.100(ff)(5),(8). |\n| **S_WY-P3-C010** | Negotiated DMP with integral payment processing → FinCEN2004-4 found no transmitter status on its facts. | Historical regulation; not state custody permission or universal counselor exemption. | S008 operative ruling. |\n| **S_WY-P3-C011** | Company accepts customers’ money and pays their bills without the relevant negotiated DMP service → FIN-2012-R004 found money transmission. | Budgeting consultation alone did not establish the integral-service exclusion. | S009 pp.1–4, especiallyp.3. |\n| **S_WY-P3-C012** | Independent administrator/payable-through-draft service → separately analyze receipt/transmission and processor conditions. | Debtor-side agreement alone insufficient for payee-side processor exclusion; no inherited DMP exemption. | S010 operative analysis. |\n| **S_WY-P3-C013** | Actual secured-transaction/escrow service with integral release/return mechanism → FIN-2014-R005 found exclusion on described facts. | No standalone “escrow label” exemption. | S011 operative analysis/conclusion. |\n| **S_WY-P3-C014** | Authorized delegate → express written appointment specifying authority and statutory supervision/subdelegate conditions. | Affiliation alone does not appoint; subdelegation requires stated consents. High. | S002 §§103(e),118,119(f). |\n| **S_WY-P3-C015** | Delegate/subdelegate owes licensee funds → remit under contract and licensee procedures. | “Remit” is not proof of final creditor posting; no numerical universal deadline in these clauses. High. | S002 §§102(a)(xvii),119(b),(c),(e). |\n| **S_WY-P3-C016** | Licensed transmitter → preserve specified records five years; post general ledger at least monthly. | Out-of-state records accessible to commissioner on seven-business-day written notice; not consumer-return period. High. | S002 §116(a)–(c). |\n| **S_WY-P3-C017** | Licensee has outstanding covered instruments → maintain statutory permissible investments at all times. | Express commissioner waiver tied to posted security remains; not individual deposit segregation. High. | S002 §107(a). |\n| **S_WY-P3-C018** | Licensee bankruptcy → §107(b) deems permissible investments held in trust for specified purchasers/holders. | No completed federal bankruptcy priority/tracing/recovery determination. High/text, outcome held. | S002 §107(b). |\n| **S_WY-P3-C019** | Reproduced money-transmitter rule defines unsafe/unsound conduct to include deficient records/accounting, nonpayment, liquidity and controls. | Official current rule/adoption body not obtained; qualified regulatory support only. | S004 Ch1 §1-2. |\n\n## C2. Lawyer funds\n\n| Claim ID | Actor/object/trigger → rule or required step | Exception, consequence and confidence | Source/pinpoint |\n| --- | --- | --- | --- |\n| **S_WY-P3-C020** | Current lawyer funds analysis → use Rule1.15 effective Sept21,2026. | Separate July21 amendment order remains unread; old printed body not used. High body/source hold. | S012 current heading/history. |\n| **S_WY-P3-C021** | Lawyer possesses client/third-party property connected with representation → separate from own property; funds in appropriate IOLTA/non-IOLTA. | Actual representation and possession required. High. | S012 Rule1.15(a),(h). |\n| **S_WY-P3-C022** | Funds cannot earn client net income beyond costs → IOLTA classification, considering stated amount/duration/rate/cost/capability factors. | Other funds non-IOLTA; periodic assessment required by rule. High. | S012 Rule1.15(a)(1)–(2). |\n| **S_WY-P3-C023** | IOLTA interest/fees → prescribed foundation remittance and reporting; only allowable reasonable charges from interest. | Excess/other charges not taken from client principal or another account’s interest; lawyer responsibility as stated. High. | S012 Rule1.15(a)(1)(iii). |\n| **S_WY-P3-C024** | Non-IOLTA funds → income for beneficial owner, not lawyer; special interest arrangement follows written instructions. | No automatic TSR compatibility or insurance determination. High. | S012 Rule1.15(a)(2),(b)(2)–(3). |\n| **S_WY-P3-C025** | Lawyer trust account → qualifying regulated institution with Wyoming location/branch, federal-insurance and Bar approval conditions. | Institutional eligibility is not proof of actual pass-through coverage. High/conditional. | S012 Rule1.15(b). |\n| **S_WY-P3-C026** | Receipt/withdrawal → intact deposit; no ATM/debit-card withdrawal; authorized lawyer/supervised actor and identified-payee procedures. | Actual authorization and entitlement still required. High. | S012 Rule1.15(b)(4). |\n| **S_WY-P3-C027** | Account title/control → lawyer/firm name, clear trust designation, required direct-disbursement capability. | Title does not confer beneficial ownership on lawyer. High. | S012 Rule1.15(b)(5). |\n| **S_WY-P3-C028** | Lawyer deposits own money → limited to necessary minimum-balance/bank-charge purpose. | Not permission for operating funds or cross-client subsidy. High. | S012 Rule1.15(c). |\n| **S_WY-P3-C029** | Advance legal fees/expenses received → trust until actually earned/incurred. | Agreement or invoice alone does not establish earning; federal timing may be additional. High/conditional. | S012 Rule1.15(d). |\n| **S_WY-P3-C030** | Client/third-party funds received → prompt notice, delivery to entitled person and requested full accounting. | Law, rule, agreement and disputes affect entitlement; no fixed numerical period stated. High. | S012 Rule1.15(e). |\n| **S_WY-P3-C031** | Two or more persons claim interests, including lawyer → retain disputed portion; promptly distribute undisputed portion. | No unilateral fee-offset resolution. High. | S012 Rule1.15(f), comments. |\n| **S_WY-P3-C032** | Lawyer maintains trust funds → current journals, per-client ledgers, bank/electronic-transfer records and at-least-quarterly written reconciliation. | Five years after representation terminates; accessible printable electronic records allowed. High. | S012 Rule1.15(e),(g). |\n| **S_WY-P3-C033** | Firm dissolution or practice sale → arrangements for prescribed trust-record maintenance. | Does not transfer ownership of client money to firm participants. High. | S012 Rule1.15(k)–(l). |\n| **S_WY-P3-C034** | Owner cannot be located after reasonable efforts → remit property to Wyoming State Bar Client Protection Fund. | No numerical waiting period established by this clause; not universal unclaimed-property law for nonlawyers. High. | S012 Rule1.15(j). |\n| **S_WY-P3-C035** | Representation terminates → protect interests, surrender entitled property, refund unearned advance. | Tribunal requirements and disputes remain; no universal numerical refund deadline. High. | S012 Rule1.16(c)–(d). |\n| **S_WY-P3-C036** | Rule17 suspension order served as specified on account institution → disbursement injunction except court order. | Does not authorize ordinary administrator to override freeze. High. | S014 Rule17(d). |\n| **S_WY-P3-C037** | Rule26(d) incapacity/disappearance/death/disciplinary conditions and no capable responsible party → district judge, on Bar Counsel request, appoints protective counsel. | Court-order scope and confidentiality limits apply; not automatic successor banking authority. High. | S014 current Rule26(d),p.45. |\n| **S_WY-P3-C038** | Lawyer with notice of valid assignment of settlement proceeds → honor assignment despite absence of direct lawyer-assignee contract. | Winship’s actual assignment facts; not every asserted creditor claim. | S024 ¶¶26–28. |\n\n## C3. TSR, payment systems, agency, trusts, and remaining limits\n\n| Claim ID | Actor/object/trigger → rule or required step | Exception, consequence and confidence | Source/pinpoint |\n| --- | --- | --- | --- |\n| **S_WY-P3-C039** | Debt-relief transaction → establish TSR jurisdiction, telemarketing and exemptions before applying dedicated-account rule. | Genuine nonprofit, face-to-face, unsolicited-call and business-call distinctions not universal; no blanket attorney exemption inferred. Conditional. | S016 §§310.2,.6; S018 coverage guidance. |\n| **S_WY-P3-C040** | Required dedicated account → insured institution, consumer ownership/interest, unaffiliated administrator, no referral compensation. | All conditions necessary; bank/administrator labels insufficient. High. | S016 §310.4(a)(5)(ii)(A)–(D). |\n| **S_WY-P3-C041** | Consumer requests withdrawal from covered service → no penalty; must receive current account funds less qualifying earned fees within seven business days. | Not merely initiation, withdrawal availability or account closure. High. | S016 §310.4(a)(5)(ii)(E). |\n| **S_WY-P3-C042** | Claimed debt-relief fee deduction → actual alteration under customer-executed valid agreement, required payment, and compliant allocation. | First payment alone insufficient; same enrollment balances/method; no state permission created. High. | S016 §310.4(a)(5)(i)(A)–(C). |\n| **S_WY-P3-C043** | Independent account administrator’s own fee → 2010 explanation contemplated direct consumer charges. | Not automatically a debt-relief earned-fee exception, lawful Wyoming fee, or offset from someone else’s funds. Conditional. | S017 pp.48490–48491. |\n| **S_WY-P3-C044** | Covered telemarketing charge → express informed consent to charge identified account. | Separate from settlement earning and Regulation E authorization. High. | S016 §310.4(a)(7). |\n| **S_WY-P3-C045** | Covered TSR records → generally five years, with record-specific starting points. | Does not replace longer trust/other records duties; old two-year guide not current rule. High. | S016 §310.5; S026 final text. |\n| **S_WY-P3-C046** | Claimed bank insurance/pass-through/creditor protection → actual legal and account evidence needed. | Required insured institution or “trust/FBO” label alone does not prove coverage or insolvency outcome. Held. | S002 §107; S012 Rule1.15(b); S016 account condition. |\n| **S_WY-P3-C047** | Regulation E account → consumer-purpose asset-account definition applies; bona fide trust account excluded. | Actual trust law/facts, not label, determine exclusion. High/conditional. | S019 §1005.2(b), interpretation. |\n| **S_WY-P3-C048** | Recurring consumer-account debit → signed/similarly authenticated authorization and consumer copy. | Merchant cannot substitute its signature based only on oral permission; stated exceptions preserved. High. | S019 §1005.10(b), interpretations. |\n| **S_WY-P3-C049** | Stop recurring debit → notice at least three institution-business-days before scheduled transfer; revocation procedures separately apply. | Written confirmation may be required within14 days if properly specified; not service cancellation. High. | S019 §1005.10(c), interpretations. |\n| **S_WY-P3-C050** | Qualifying EFT error notice → generally60 days from statement; ten-business-day investigation or conditional provisional-credit extension. | Forty-five-day ordinary extended period;20/90-day special cases and written-confirmation exceptions; not TSR return timing. High/conditional. | S019 §1005.11(b)–(c). |\n| **S_WY-P3-C051** | Covered EFT account → monthly statement when EFT occurs, otherwise at least quarterly. | Credit-only/passbook and intra-institution exceptions must be tested. High. | S019 §1005.9(b)–(c). |\n| **S_WY-P3-C052** | Accepted POA agency → good faith, actual authority and statutory duties; default transaction records. | Terms can alter specified default duties, not mandatory core duties. High. | S020 §3-9-114(a)–(b). |\n| **S_WY-P3-C053** | Proper POA accounting request → comply within30 days or timely explanation and additional30 days. | Default rule; listed requester categories and instrument terms matter. High. | S020 §3-9-114(h). |\n| **S_WY-P3-C054** | Principal dies or authority otherwise terminates → POA termination rules apply. | Good-faith/no-actual-knowledge protections preserved; funds not forfeited to agent. High/conditional. | S020 §3-9-110. |\n| **S_WY-P3-C055** | Actual express/statutorily covered trust → Trust Code scope and default/mandatory division must be established. | Account label does not prove trust; governing terms and other law matter. Conditional. | S021 §§4-10-102,105. |\n| **S_WY-P3-C056** | Applicable trustee → protect/control property, adequate records, separation and appropriate identification. | Pooling permitted with clear respective-interest records under stated provision; defaults/terms considered. High/conditional. | S021 §§809–810. |\n| **S_WY-P3-C057** | Trust terminates → expeditious distribution to entitled persons, subject to statutory reasonable reserve. | Not a fixed day count or permission to override other law; proposal-objection provision distinct. High. | S021 §817. |\n| **S_WY-P3-C058** | Check taken for obligation → apply §3-310’s instrument-specific discharge/suspension rule. | “Unless otherwise agreed” and instrument type matter; issuing a check not always discharge. High. | S022 §34.1-3-310. |\n| **S_WY-P3-C059** | Provisional bank credit fails to become final → chargeback/refund and final-payment provisions apply. | Prior availability/use is not conclusive finality; bank timing/liability conditions remain. High. | S022 §§4-214,4-215. |\n| **S_WY-P3-C060** | Lawyer considers disbursement of deposit → Bar handbook distinguishes collected from available funds. | Dated operational guidance; no invented universal clearing period or current-rule substitution. Qualified. | S015 p.14/index15; S022. |\n| **S_WY-P3-C061** | Credit counseling is substantial purpose of tax-exempt organization → §501(q) qualification rules potentially apply. | Dated Oct7 body; no state custody/transmission authorization or actual tax-status finding. Conditional. | S023 §501(q). |\n| **S_WY-P3-C062** | Search for universal excluded-counselor remittance/refund deadline → none established in examined Chapter14/selected transmission clauses. | Contract, official-rule, agency/trust and other-law gaps remain; not negative-universe claim. Held. | S001,S002,S004 read limits. |\n| **S_WY-P3-C063** | Service withdrawal, ACH stop, account closure, creditor payment and agency termination → analyze separately. | One instruction does not automatically accomplish every object. Legal synthesis. | S016,S019–S022. |\n| **S_WY-P3-C064** | True consumer-to-creditor direct payment with no provider receipt/control → no provider custody established by that flow alone. | Negotiation still may be prohibited; actual payment credentials/control must be examined. Conditional. | S001 §101(A)–(B); S002 §102; S007. |\n| **S_WY-P3-C065** | Multiple beneficial owners share account → correct individual balances remain necessary. | Aggregate positive balance does not establish entitlement to spend another owner’s money. High/inference. | S012 Rule1.15(a),(g); S021 §810. |\n| **S_WY-P3-C066** | Official application/rule pages → establish route only. | No application, license status, approved funds agreement or complete blank form was verified. | S003,S015. |\n| **S_WY-P3-C067** | Qualifying lawyer-account overdraft event → institution reports under Rule1.15(b)(1). | Dishonored-item and honored-item reporting differ; honored report within five business days of presentation—not consumer refund timing. High. | S012 Rule1.15(b)(1). |\n| **S_WY-P3-C068** | Active in-state Wyoming practitioner → annual trust-account/no-client-funds certification under rule. | Required fields specified in rule; actual form/status not queried. High. | S012 Rule1.15(i). |\n| **S_WY-P3-C069** | Unusual indirect-fee, creditor-funded, business-debt or remote model → preserve separate classification and nexus questions. | No assumed fee permission, nonprofit qualification or federal exclusion. Held. | S001,S002,S007–S011,S023. |\n| **S_WY-P3-C070** | Currentness/history assessment → source display dates are limits, not complete current-law certificates. | P01 historical dates/1957 act and later-law/citator universe remain open. | Source/read register. |\n| **S_WY-P3-C071** | Law-practice business form → current Rule10 order is effective Jan26,2026. | Does not itself prove Chapter14 exclusion or actual funds authority. High/conditional. | S013 order and Rule10(a). |\n| **S_WY-P3-C072** | Person instructs/debits/returns/restricts funds → actual authority and applicable account/legal conditions required. | “Administrator,” “agent,” “trust” or “processor” title is not complete proof. Conditional synthesis. | S002,S007–S014,S019–S021. |\n| **S_WY-P3-C073** | Institution receives qualifying preauthorized credit → credit as of date funds received. | Applies to §1005.10(a)(1) transfer category; not proof of creditor posting. High. | S019 §1005.10(a)(3). |\n| **S_WY-P3-C074** | Money-transmitter security/investment requirements implicated → separate bond/financial-assurance investigation remains necessary. | This pass identifies §§106–107 gateway only; no bond, insurance, capital or insolvency completion. | S002 §§106–107; S004 limited read. |\n\n# D. Source-limited case and formal-ruling comparison\n\n| Authority | Material facts and issue | Holding/conclusion and disposition | Read and later-history limits |\n| --- | --- | --- | --- |\n| **Winship v. Gem City Bone & Joint**, Wyoming Supreme Court, June19,2008,2008WY68,185P.3d1252 | Personal-injury client assigned proceeds for medical bills. Lawyer received notice and later disbursed without satisfying assignee; dispute included absence of direct lawyer-provider contract. | Valid assignment bound the obligor with notice. Direct contract with assignee was unnecessary. **Summary judgment affirmed**, particularly ¶¶26–28. | Actual majority text and material facts read. Case uses earlier professional-rule text; current Rule1.15 comes from S012. No comprehensive later-history check; no general rule for every unsecured demand. **S024/C038.** [FindLaw Caselaw](https://caselaw.findlaw.com/court/wy-supreme-court/1152759.html) |\n| **FinCEN2004-4**, Nov24,2004 | DMP provider negotiated creditor concessions, received periodic consumer payments into a trust account and paid creditors as part of the plan. | Transmission was integral to the debt-management service on the submitted facts; not a money transmitter under the then-applicable rule. | Formal administrative ruling, not judicial majority or Wyoming permission. Historical §103.11 wording; later 2012–2014 rulings actually checked for distinctions. **S008/C010.** [FinCEN.gov](https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/definition-money-services-business-debt) |\n| **FIN-2012-R004**, PDF issued May25,2012 | Company accepted customers’ funds into its account and paid bills by company check. Budget consultations did not include the material creditor-negotiated DMP service. | **Money transmitter.** Movement of money was the service itself rather than integral to a separate qualifying service. | PDF/page-date discrepancy preserved. Operative ruling read; later2013 discussion checked. No comprehensive withdrawal/supersession audit. **S009/C011.** [FinCEN.gov+1](https://www.fincen.gov/system/files/administrative_ruling/FIN-2012-R004.pdf) |\n| **FIN-2013-R002**, Nov13,2013 | Prefunded accounts and payable-through drafts used to transmit customers’ funds. Claimed DMP/payment-processor exclusions examined. | Administrator had to satisfy its own exclusion. Processor analysis required the relevant goods/services or bill transaction, clearance/settlement mechanism and seller/creditor relationship. | Formal fact-limited ruling; not automatic exclusion for all account administrators or all payee agents. Current and historical CFR texts separately checked. **S010/C012.** [FinCEN.gov](https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/administrative-ruling-whether-company-offers) |\n| **FIN-2014-R005**, Apr29,2014 | Company managed secured buyer-seller transactions, monitored performance and released or returned funds as part of that service. | Integral-service exclusion applied on represented facts; no separate standalone transmission service established. | Not blanket escrow exemption; no Wyoming authorization. Full operative analysis read; comprehensive later history not checked. **S011/C013.** [FinCEN.gov](https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/whether-company-offers-secured-transaction) |\n| **Davidson**,2005WY89, Wyoming Supreme Court | Retrieved public order adopted a disciplinary report, but the report supplying the proposed fee-offset factual comparison was not recovered. | **No offset holding adopted here.** Order alone insufficient for the intended detailed comparison. | Annotation/snippet not substituted for report. Exact factual comparison and complete date/history remain held. **S025.** [Justia Law](https://law.justia.com/cases/wyoming/supreme-court/2005/444415.html) |\n\n**Federal judicial limitation:** No responsive federal appellate majority opinion was fully established for this pass. The material federal interpretation contribution is the examined FinCEN formal rulings and FTC final rulemaking, not an invented federal court holding.\n\n# E. Four conserved cash-flow models and failure postures\n\nAll amounts are **USD**, shown to **two decimal places**. Arithmetic uses exact dollars; no fractional-cent rounding issue arises. No real account, provider, borrower or holiday calendar is assumed.\n\n## Model 1 — Provider-held DMP ledger with separate consumer balances\n\n**Conditional actor:** An actual Chapter 14-excluded nonprofit counseling service. Its separate money-transmission status, actual trust/agency terms and authority still require proof. The example does not grant that proof.\n\n**Assumptions:** No fees, interest or bank charges. All successful creditor payments below are actually received and posted. A failed transfer is actually returned.\n\n### Inputs and sequence\n\n| Event | Consumer A ledger | Consumer B ledger | Pooled bank balance |\n| --- | --- | --- | --- |\n| Opening | $0.00 | $0.00 | $0.00 |\n| Contributions: A $600; B $400 | $600.00 | $400.00 | $1,000.00 |\n| A creditor receives $350 | $250.00 | $400.00 | $650.00 |\n| B creditor receives $250 | $250.00 | $150.00 | $400.00 |\n| Additional A transfer debits $100 but is not accepted | $150.00 plus $100 in transit | $150.00 | $300.00 |\n| Failed $100 actually returns | $250.00 | $150.00 | $400.00 |\n\n### Conservation\n\nContributions = $600 + $400 = $1,000.00\n\nGross outgoing transfers = $350 + $250 + $100 = $700.00\n\nReturned transfer = $100.00\n\nNet creditor payments = $700 − $100 = $600.00\n\nCurrent bank funds = $1,000 − $600 = $400.00\n\nBeneficial balances = $250 + $150 = $400.00\n\n**Required conditional step:** Restore the failed payment to A’s ledger; do not count it as paid to A’s creditor. B’s $150 cannot be used to conceal a shortfall belonging to A.\n\n**Missing evidence:** Actual account title, legal ownership, transmission exemption/license/delegate facts, creditor posting, return finality, and contractual remittance duties. Correct arithmetic alone establishes none of them. **C010–C016, C055–C065.**\n\n## Model 2 — Consumer-owned third-party account; insufficient performance\n\n**Conditional actor:** A debt-relief transaction independently within TSR scope and otherwise lawful under applicable state law. Administrator independence, institution status and actual consumer ownership are assumed solely to test the cash flow.\n\n**Inputs:**\n\n- Consumer contributions: $3,000 + $2,000 = $5,000.00\n- Accrued consumer interest: $6.00\n- Valid creditor payment already made: $1,200.00\n- Provider’s proposed fee: $500.00\n- Administrator fees: $0.00\n- Provider has only an offer; the required actual customer-executed debt alteration has **not** occurred.\n\n**Current balance:**\n\n$5,000 + $6 − $1,200 = $3,806.00\n\n**Earned debt-relief fee under the assumed facts:**\n\n$0.00\n\n**Return following covered service-withdrawal request:**\n\n$3,806 − $0 = $3,806.00\n\n**Not:** $3,806 − $500 = $3,306.00.\n\nThe $500 invoice is not a qualifying earned-fee deduction. The customer must **receive** the $3,806 within the rule’s seven-business-day period; a dashboard showing “withdrawal available” is not the same event.\n\n**Missing evidence:** Actual TSR scope, state-law authority, agreement/performance facts, independence, ownership, interest, authorization, available funds and business-day calendar. No insurance amount is established. **C039–C046.**\n\n## Model 3 — Lawyer advance: earned, disputed, and unearned portions\n\n**Conditional actor:** Genuine authorized legal representation under a valid engagement. Assume the stated undisputed work is actually earned and no independent federal advance-fee bar applies. The disputed amount is **not** assumed earned.\n\n### Inputs and sequence\n\n1. Advance received into trust: $1,200.00.\n2. Previously earned and properly withdrawn: $300.00.\n3. Current trust balance: $1,200 − $300 = $900.00.\n4. Lawyer now claims another $300.00:$150.00 undisputed and actually earned.$150.00 disputed.\n5. Remaining $600.00 is undisputed and unearned.\n\n### Required allocation\n\n| Destination | Amount |\n| --- | --- |\n| Previously paid earned fees | $300.00 |\n| Newly withdrawable undisputed earned amount | $150.00 |\n| Prompt return of undisputed unearned balance | $600.00 |\n| Remains in trust pending resolution | $150.00 |\n| **Total** | **$1,200.00** |\n\n$1,200 = $300 + $150 + $600 + $150\n\nThe previously withdrawn $300 is not subtracted again from the $900 balance.\n\n**Later hypothetical resolution:** If a competent resolution awards $100 of the disputed balance to the lawyer and $50 to the client:\n\n- Total lawyer fees: $300 + $150 + $100 = $550.00.\n- Total returned to client: $600 + $50 = $650.00.\n- Remaining disputed balance: $0.00.\n- Conservation: $550 + $650 = $1,200.00.\n\nNo such resolution is assumed to exist. A lawyer cannot manufacture it by writing “earned” on the ledger. Any applicable court freeze must also be honored. **C029–C036.**\n\n## Model 4 — TSR return with consistent enrollment balances and prior fees\n\nThis is a **conditional federal allocation and funds-return example**, not a finding that a Wyoming provider may use this fee contract.\n\n### Same enrolled debts and method throughout\n\n| Debt | Enrollment balance | Proportion of $10,000 enrolled total | Allocated portion of $2,000 total contracted fee |\n| --- | --- | --- | --- |\n| A | $2,000.00 | 20% | $400.00 |\n| B | $3,000.00 | 30% | $600.00 |\n| C | $5,000.00 | 50% | $1,000.00 |\n| **Total** | **$10,000.00** | **100%** | **$2,000.00** |\n\nAssume this proportional method and the total fee are otherwise lawful. No method switching, new enrollment balance or savings-based calculation is introduced.\n\n### Historical cash flow\n\n- Consumer contributions: $6,000.00.\n- Consumer interest: $12.00.\n- A creditor settlement actually paid: $1,000.00.\n- B creditor settlement actually paid: $1,500.00.\n- A fee properly earned under all required conditions and already withdrawn: $400.00.\n- B fee, if all conditions are met, earned but **not yet withdrawn**: $600.00.\n- C has no qualifying performance: $0.00 earned.\n- Administrator fees: $0.00.\n\n**Current account balance:**\n\n$6,000 + $12 − $1,000 − $1,500 − $400 = $3,112.00\n\n### Branch A — B satisfies all required earning conditions\n\nReturn = $3,112 − $600 = $2,512.00\n\n**Conservation:**\n\n$6,012 = $2,500 creditor payments + $1,000 total earned fees + $2,512 returned\n\nThe prior A fee is already reflected in the current balance. Deducting the entire $1,000 again would double-count $400.\n\n### Branch B — B payment happened, but required customer execution is missing\n\nKeep the **same historical payments and current balance**. The existence of the $1,500 creditor payment does not, by itself, satisfy every fee condition.\n\nQualifying B fee = $0.00\n\nReturn = $3,112.00\n\n**Conservation:**\n\n$6,012 = $2,500 creditor payments + $400 prior earned A fee + $3,112 returned\n\nThe validity and possible recovery of the B creditor payment are separate questions not decided by this example.\n\n**Missing evidence for both branches:** Actual state-law authority, contract legality, customer execution, debt alteration, payment, earning, account ownership, prior debits, and return receipt. **C041–C043, C063.**\n\n### Smaller failure postures\n\n| Posture | Correct boundary |\n| --- | --- |\n| Consumer pays creditor $600 directly; provider never receives or controls the payment | Provider custody is not established, but fee-based negotiation remains separately subject to Chapter14. |\n| Bank makes a deposited check available before final collection | Availability is not conclusive finality; later chargeback can expose another client’s money if the ledger is mishandled. |\n| Administrator sends a transfer instruction on the seventh business day | The TSR requires receipt within the period, not merely instruction transmission. |\n| Administrator and debt-relief provider share ownership | Separate bank accounts do not cure the TSR’s administrator-affiliation condition. |\n| Client disputes $150; lawyer withholds the entire $900 | The disputed portion and undisputed entitlements must be separated under Rule1.15(f). |\n| Consumer revokes ACH authorization | Future-debit control does not automatically recover prior payments or terminate a creditor compromise. |\n| Principal dies while agent holds money | POA termination and successor-recipient authority must be addressed; the agent does not become owner. |\n| Lawyer disappears and staff knows the account password | Credentials do not establish legal authority; protective appointment and any court restrictions matter. |\n| Account is titled “FBO customers” | That label alone proves neither separate beneficial ownership, pass-through insurance nor bankruptcy protection. |\n| Transmitter’s out-of-state records are due to the commissioner in seven business days | That is not the TSR’s customer-funds-return provision. |\n| Provider has a “trust” account but no individual ledgers | A pooled balance alone cannot establish each customer’s entitlement or satisfy the applicable record rule. |\n| Administrator fails or becomes insolvent | A contractual withdrawal promise does not establish actual recovery, insurance or priority; those questions remain open. |\n\n# F. Coverage and gap register\n\n## F1. Every assigned question and material subquestion\n\n| Assigned issue | Status | Findings/claims | Exact missing evidence and next bounded investigation |\n| --- | --- | --- | --- |\n| **1—Classify actual actor/activity before funds duties** | Answered at framework level | Chapter14 and separate funds regimes; C001–C009. | Actual actor, function and compensation facts remain unproved. |\n| **1—Nonprofit/attorney exclusions** | Partial/application held | Exact exclusion wording, legal-practice and tax distinction; C002–C003,C061,C071. | Published construction of ambiguous exclusion terms and actual entity/function facts; no named status inquiry. |\n| **1—Provider DMP/consumer account/direct pay/lawyer/admin flows** | Answered conditionally | Branch matrix and models; C010–C016,C021,C040,C064,C072. | Actual title, contracts, payment permissions and beneficial ownership. |\n| **1—Consumer/business purpose and remote nexus** | Partial | Explicit transmission resident-consumer provision; Chapter14 boundary held; C005–C008,C069. | Controlling Chapter14 territorial/business/indirect-fee interpretation. |\n| **2—Special Chapter14 trust regime** | Answered, bounded | None in complete chapter; C004. | No inference about all fiduciary/payment law. |\n| **2—Ownership/title/control/signatories** | Answered by conditional branch | Lawyer, TSR, agency/trust and transmission distinctions; C021–C028,C040,C052,C055–C056,C072. | Actual deposit, administrator and processor agreements. |\n| **2—Segregation/commingling/pooling** | Answered for examined branches | Lawyer separation/per-client records; actual trust default; transmitter investment distinction; C017–C018,C021,C032,C056,C065. | Whether a nonlawyer arrangement creates an express trust or other fiduciary duty. |\n| **2—Institution/location/interest** | Answered conditionally | Lawyer institution/IOLTA rules and TSR conditions; C022–C025,C040. | Actual institution eligibility, account product and earned-interest records. |\n| **2—Insurance/pass-through/creditor protection** | Unresolved and separately reserved | No label-based conclusion; C046,C074. | Deposit-insurance rules and records, ownership category, tracing and insolvency law in later pass. |\n| **3—Deposit and creditor-remittance timing** | Partial | Intact lawyer deposits; prompt delivery; delegate contract timing; C015,C026,C030,C062. | Complete current official regulations, actual contract and payment-system deadlines. |\n| **3—Cleared/final/available/posted funds** | Answered for examined check/bank rules | C058–C060,C073. | Actual instrument/rail, settlement status, bank agreement and creditor posting. |\n| **3—Error/unaccepted payments** | Partial | UCC chargeback and conditional Regulation E error process; C050,C058–C059. | Full ACH/network, wire, commercial-transfer and creditor-posting rules. |\n| **3—Allocation/accounting/reconciliation** | Answered for identified regimes | Lawyer client ledgers/quarterly; transmitter monthly ledger; trust/POA records; C016,C030–C032,C052–C056,C065. | Nonprofit contract/common-law duties outside established statutory branches. |\n| **3—Retention and consumer access** | Answered with branch limits | Lawyer five years after termination; transmitter five years; TSR five years; RegE statements; C016,C032,C045,C051,C053. | Actual records; other overlapping retention or litigation-preservation duties not completed. |\n| **4—Service cancellation/withdrawal** | Answered conditionally | Actual receipt within TSR seven business days; C039–C042. | Actual scope, request, lawful earning, balance and business-day calendar. |\n| **4—Plan failure or administrator failure** | Partial | No automatic conversion of customer funds into fees; existing return/ownership duties identified. | Failure-specific remedies, insolvency, tracing, security and recovery procedures remain later work. |\n| **4—Disputed fees and offsets** | Answered at professional-rule level | Preserve dispute; distribute undisputed; C029–C031. | Actual earning and resolution; broader offset/common-law remedies and Davidson report remain held. |\n| **4—Historical contributions/prior creditor payments/prior fees** | Answered through models | Same-balance conservation, no double deduction; C041–C043,C063–C065. | Actual ledgers and lawful entitlement not examined. |\n| **4—Death/disappearance** | Partial | POA termination; professional protective appointment; C034,C037,C054. | Actual successor/estate authority and any court order; full succession/estate law excluded. |\n| **4—Account closure versus ACH revocation versus service exit** | Answered, bounded | C048–C049,C063. | Actual bank/administrator procedures and contractual effects. |\n| **5—Current Rule1.15 operative text** | Answered | Sept21,2026 body freshly read; C020–C035. | Complete independent currentness certificate not obtained. |\n| **5—Exact Rule1.15 amendment order** | Unresolved source requirement | Printed July21 amendment history read. | Recover separate final order through an accessible official public route; no guessed document treated as read. |\n| **5—Rule10 entity order** | Answered at relevant selected scope | Jan26,2026 effective order; C071. | Actual entity/legal-practice predicate remains unproved. |\n| **5—Safekeeping/accounting/delivery/records** | Answered | C021–C035,C065,C067–C068. | Actual compliance and bank evidence not examined. |\n| **5—Custodian/protective counsel/freeze** | Answered at rule level | Rules17(d),26(d); C036–C037. | Specific court-appointed authority and actual order never queried. |\n| **5—Nonprofit §501(q)** | Partial/currentness-limited | Fresh Oct7 body; tax rules distinguished; C061. | Later statutory changes after displayed cutoff and actual tax/function facts. |\n| **5—Unusual indirect/creditor-funded/business model** | Held | C005,C069. | Exact activity, fee source, purpose and controlling interpretation. |\n| **6—Money-transmitter statutory gate** | Answered conditionally | Definitions, nexus, exemptions, delegate rules; C006–C018. | Actual transaction/control and exemption facts; no license-status inquiry. |\n| **6—Fixed2020 federal definition** | Substantially answered with route qualification | Official2019/2020 editions bracket matching text; C008–C009. | Exact Jan1 online route failed; no false successful-fetch claim. |\n| **6—Current Wyoming regulations/adoption** | Partial | Reproduced relevant text inspected; C019. | Official operative rule package and adoption orders inaccessible through examined routes. |\n| **6—Payee agent/payment processor/integral service** | Answered through formal interpretations | C009–C013. | Actual creditor agreements, clearing system, business activities and receipt/control. |\n| **6—Licensing/security gateway only** | Answered within limit | C014,C017–C019,C066,C074. | Full license/bond/capital/insurance/receivership pass expressly separate. |\n| **6—Generic official instructions/blank forms** | Partial | Application route and handbook examined; no required completed blank form adopted. | Current generic trust certification or specific mandatory account form not recovered/read; no invented approved form. |\n| **7—Published Wyoming opinion** | Answered source-limited | Winship actual majority; C038. | Comprehensive later history and additional responsive cases. |\n| **7—Material federal interpretation** | Answered source-limited | Four formal FinCEN rulings plus FTC rulemaking. | Comprehensive supersession/later-ruling audit; no federal appellate holding established. |\n| **7—Unavailable case body** | Held | Davidson underlying report not used. | Recover complete adopted report before factual/holding-level reliance. |\n| **8—Four cash-flow models** | Answered | Four complete models, conditional legal steps and missing evidence visible. | No real-world permission, earning, account status or insurance inferred. |\n| **8—Direct pay and insufficient performance** | Answered | Model2, Model4B and smaller postures. | Actual control/performance facts remain held. |\n| **8—Calendar/holiday precision** | Intentionally held | Time units stated; no real date computed. | Applicable business-day definitions and authoritative holiday calendar needed for a real deadline. |\n\n## F2. Broader categories expressly still open\n\n| Remaining family | Preserved boundary |\n| --- | --- |\n| Full bonds, insurance, capital and financial assurance | Only funds-related statutory gateway identified; no complete calculation, claim procedure or adequacy determination. |\n| Insolvency, receivership, tracing and priority | Bankruptcy-triggered statutory text identified, not complete enforceability or priority analysis. |\n| Remedies, UDAP, restitution and causes of action | Not completed; only consequences necessary to explain funds duties discussed. |\n| Agreements and fees | No P02 adoption and no new full agreement/fee pass; narrow earning/authority predicates freshly checked only. |\n| Collection, litigation, limitation periods, garnishment | Remain open; Winship used only for assigned proceeds/funds entitlement. |\n| Secured and sector-specific debt | Remain open; no mortgage, tax, student-loan or other sector acceptance. |\n| Local, tribal and other-country law | Remain open; no territorial or foreign-payment completion. |\n| Named provider/account/status | No inquiry or finding. |\n| Historical enactments | P01 C028 dates remain unverified here;1957 act remains unread. |\n| State parent/A066/operations/publication | No acceptance, authorization, operational implementation or publication readiness implied. |\n\n# G. Exact contribution crosswalk\n\n| Reviewed P01 remainder | PASS-03 contribution | Not completed by this pass |\n| --- | --- | --- |\n| **“Trust accounts, bonds, financial assurance \\| Excluded/later pass \\| Federal dedicated-account condition addressed only as fee timing \\| State/federal funds-control and bond pass for any excluded business model.”** | Fresh actor/flow classification; current lawyer trust/safekeeping/records/return rules; conditional TSR ownership/control/actual-receipt rule; money-transmission and processor boundaries; delegate remittance and records; conditional trust/POA duties; payment-finality/error distinctions; published assignment case and formal federal rulings; conserved cash-flow models. | Full bond/insurance/financial-assurance/insolvency-priority investigation; complete official regulation/adoption verification; actual provider/account/contract/earning findings; comprehensive remedies, sectors, local/tribal, state-parent or A066 completion. |\n\n# H. Failed routes and researcher self-check\n\n## H1. Material failed or limited routes\n\n| Route | Actual result and treatment |\n| --- | --- |\n| https://www.govinfo.gov/content/pkg/CFR-2020-title31-vol3/pdf/CFR-2020-title31-vol3-sec1010-100.pdf | Section-file route failed. Official whole-Part1010 annual PDF was later recovered and read. |\n| https://www.govinfo.gov/content/pkg/CFR-2019-title31-vol3/pdf/CFR-2019-title31-vol3-sec1010-100.pdf | Section-file route failed. Official whole-part edition used instead. |\n| https://www.govinfo.gov/content/pkg/CFR-2020-title31-vol3/html/CFR-2020-title31-vol3-sec1010-100.htm | No usable body; not evidence. |\n| https://www.ecfr.gov/on/2020-01-01/title-31/subtitle-B/chapter-X/part-1010/subpart-A/section-1010.100 | Exact-date route failed; historical annual editions supplied the qualified version check. |\n| https://www.govinfo.gov/link/cfr/31/1010?link-type=pdf&year=2019 | Failed alternate route; not counted as read. |\n| https://sos.wyo.gov/Rules/default.aspx and https://rules.wyo.gov/ | No usable operative money-transmitter rule/adoption body through examined public routes. No workaround used. |\n| https://www.wyocourts.gov/rule-amendments/ | No usable separate July21,2026 Rule1.15 order obtained. Compilation history is not represented as the order. |\n| Current professional-rules PDF images at indices67,68 and70 | Image requests failed/challenged. Parsed operative text was read; successful images at other relevant indices were inspected. Failed images are not claimed as viewed. |\n| https://uscode.house.gov/us/usc/119-134/t26/s501/ | Failed fresh route. |\n| https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title26-section501&num=0&edition=prelim | Failed/404 route. Recovered body displayed currency through Oct7,2026 only. |\n| https://www.irs.gov/charities-non-profits/credit-counseling-organizations | No usable fresh body; not used as substantive authority. |\n| Davidson reproduced order | Underlying adopted report not recovered; no factual offset holding inferred from annotation or incomplete text. |\n\n## H2. Actual read versus not read\n\n**Actually read:** Complete operative Chapter14; the identified money-transmitter statutory clauses; relevant reproduced regulatory bodies with provenance limits; historical and current federal transmission definitions; four FinCEN operative rulings; current Rule1.15 and the specified termination provisions; relevant Rule10 order material; current disciplinary protective-appointment and account-freeze provisions; selected handbook guidance; current TSR account/return/record provisions and relevant final-rule passages; specified Regulation E, POA, Trust Code and UCC clauses; dated §501(q); and Winship’s material majority opinion.\n\n**Selected rather than whole-document reads:** Titles3,4,33,34.1 and40 beyond the identified complete chapter/clauses; professional and disciplinary compilations; annual CFR parts; Federal Register final-rule documents; handbook; Regulation E. No claim that every provision in those larger documents was examined.\n\n**Not established:** A complete current official money-transmitter rule/adoption package; the separate July21,2026 Rule1.15 amendment order; a complete later-law/citator/supersession audit; actual account contracts or ownership records; actual authority, earning, creditor posting, insurance, solvency, provider status or court restrictions.\n\n**Not performed:** Private records or named-status inquiries, applications, contacts, filings, purchases, account changes, browser control, new chats, subagents, local writes, hashes, publication or independent review.\n\n## Final component determination\n\nThe controlling distinction is **who legally owns and controls which money at each stage**. Wyoming’s provider prohibition, a conditional exclusion, a transmission exemption, a professional trust obligation, a consumer-owned dedicated account and a bank’s payment duties are separate legal layers.\n\nThis pass establishes their principal funds-control boundaries without treating an account label as permission, an available balance as final payment, an invoice as earning, or a transfer request as receipt. The identified official-source, actual-fact, financial-assurance, insolvency, broader-state and publication holds remain open.\n\nEND S_WY PASS-03.\n\n","tables":[{"headers":["Actual funds flow","Initial classification","Potential funds regime","What remains necessary"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Actual funds flow","Initial classification","Potential funds regime","What remains necessary"],["Nonexcluded provider collects debtor money and distributes it to creditors for a fee","Chapter 14 expressly reaches the custodial activity","Prohibition remains; another account regime does not cure it","Actual exclusion or materially different activity—not merely different account branding"],["Actual excluded nonprofit receives monthly DMP contributions","Chapter 14 exclusion is conditional; receipt/transmission remains a separate inquiry","Money-transmitter law unless exempt; actual trust/agency duties; payment rules; applicable federal law","Tax-exempt nonprofit counseling function, creditor-negotiated plan, account ownership, transmission classification"],["Consumer owns a settlement account administered by an independent third party","Noncustodial settlement activity can still be covered by Chapter 14","Conditional TSR dedicated-account rule; administrator’s own money-transmission analysis; Regulation E where applicable","Ownership, interest, control, affiliation, authorizations, bank and administrator contracts"],["Consumer pays the creditor directly; provider receives no payment funds","No provider custody is established by that flow alone","Consumer-bank/payment rules; provider’s negotiation activity still separately classified","Verify that provider cannot debit, redirect, intercept, or otherwise control funds"],["Lawyer receives client or third-party money in a representation","Actual legal-practice and Chapter 14 predicates must exist","Current Rule 1.15; Rule 1.16; applicable trust, agency, payment and federal rules","Proper institution, title, ledgers, authority, entitlement, earning, disputes"],["Independent administrator accepts customer money and pays bills","Not automatically a debt counselor, bank, or exempt processor","Money-transmitter analysis under state law and incorporated federal definition","Actual receipt/control, underlying service, payee agreements, settlement system"],["Authorized delegate receives funds for a licensed transmitter","Delegate status requires the statutory written appointment and scope","Licensee procedures, delegate contract, statutory remittance and examination duties","Actual written appointment; no inferred affiliate or subdelegate authority"],["Actual express trust holds program money","“Trust” label alone is insufficient","Applicable Wyoming Trust Code provisions, subject to governing law, trust terms and mandatory rules","Valid trust, trustee, beneficiaries, powers, governing law and administration terms"]]},{"headers":["Issue","Current lawyer-rule requirement"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Issue","Current lawyer-rule requirement"],["Institution","Qualifying regulated institution located in Wyoming or having a Wyoming branch, with the rule’s federal-insurance and State Bar approval conditions"],["Title and access","Account in the lawyer’s or firm’s name, clearly designated as a trust account; required direct disbursement capability"],["Deposits","Client and third-party funds deposited intact"],["Withdrawal authority","Wyoming lawyer or supervised person under the rule; no debit-card or ATM withdrawals; identified payees rather than checks to cash"],["Lawyer’s own money","Only the amount necessary for minimum-balance requirements or bank service charges under the rule"],["IOLTA interest","Net interest handled under the IOLTA provisions for the Wyoming Foundation for Civil Justice; specified allowable charges cannot consume client principal"],["Non-IOLTA interest","For the client or third-party owner, not the lawyer; special interest-bearing arrangements follow written instructions"],["Multiple clients","Separate beneficial-interest ledgers remain necessary even where funds are pooled"]]},{"headers":["Duty","Trigger and time unit"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Duty","Trigger and time unit"],["Lawyer notification, delivery and requested accounting","Promptly, subject to entitlement, disputes and applicable law—not a fixed number of days"],["Lawyer reconciliation","Written reconciliation at least quarterly"],["Lawyer funds records","Five years after termination of representation"],["Licensed transmitter general ledger","Posted at least monthly"],["Licensed transmitter records","Preserved five years; §116 does not state the lawyer rule’s termination-based starting point"],["Out-of-state transmitter records","Accessible to commissioner on seven business days’ written notice—not a consumer refund period"],["Authorized delegate remittance","According to the applicable written contract; subdelegate contract and consent conditions also apply"],["Conditional TSR service withdrawal","Consumer must receive the qualifying balance within seven business days"],["POA accounting request","Thirty days, or timely written explanation and compliance within an additional thirty days, under the default statutory rule"]]},{"headers":["Source ID","Issuer/document and complete literal HTTPS URL","Version, exact pinpoint and actual read extent"],"index":3,"links":[{"href":"https://wyoleg.gov/statutes/compress/title33.pdf","text":"Wyoming Legislature\n+1"},{"href":"https://wyoleg.gov/statutes/compress/title40.pdf","text":"Wyoming Legislature\n+1"},{"href":"https://wyomingbankingdivision.wyo.gov/money-transmitters/laws-and-regulations","text":"Wyoming Banking Division\n+1"},{"href":"https://www.law.cornell.edu/regulations/wyoming/agency-021/subagency-0004/chapter-1/021-1-Wyo-Code-R-SSSS-1-2","text":"Legal Information Institute\n+1"},{"href":"https://www.govinfo.gov/content/pkg/CFR-2019-title31-vol3/pdf/CFR-2019-title31-vol3-part1010.pdf","text":"GovInfo\n+1"},{"href":"https://www.govinfo.gov/content/pkg/CFR-2020-title31-vol3/pdf/CFR-2020-title31-vol3-part1010.pdf","text":"GovInfo\n+1"},{"href":"https://www.ecfr.gov/current/title-31/section-1010.100","text":"eCFR\n+1"},{"href":"https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/definition-money-services-business-debt","text":"FinCEN.gov"},{"href":"https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/application-money-services-business-2","text":"FinCEN.gov\n+1"},{"href":"https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/administrative-ruling-whether-company-offers","text":"FinCEN.gov"},{"href":"https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/whether-company-offers-secured-transaction","text":"FinCEN.gov"},{"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/2025/11/Order-Amending-Rule-10-for-the-Authorized-Practice-of-Law-Effective-Jan-2026.pdf","text":"Wyoming Courts\n+1"},{"href":"https://www.wyocourts.gov/app/uploads/2025/01/WYOMING-RULES-OF-DISCIPLINARY-PROCEDURE-1.pdf","text":"Wyoming Courts\n+1"},{"href":"https://www.wyomingbar.org/wp-content/uploads/Trust-Account-Handbook-4.pdf","text":"Wyoming State Bar"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","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.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business","text":"Federal Trade Commission"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1005/2/","text":"Consumer Financial Protection Bureau\n+3"},{"href":"https://wyoleg.gov/statutes/compress/title03.pdf","text":"Wyoming Legislature\n+2"},{"href":"https://wyoleg.gov/statutes/compress/title04.pdf","text":"Wyoming Legislature\n+2"},{"href":"https://wyoleg.gov/statutes/compress/title34.1.pdf","text":"Wyoming Legislature\n+2"},{"href":"https://uscode.house.gov/us/usc/119-118/t26/s501/","text":"US Code\n+1"},{"href":"https://caselaw.findlaw.com/court/wy-supreme-court/1152759.html","text":"FindLaw Caselaw\n+1"},{"href":"https://law.justia.com/cases/wyoming/supreme-court/2005/444415.html","text":"Justia Law"},{"href":"https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf","text":"GovInfo\n+1"}],"row_links":[[],[{"href":"https://wyoleg.gov/statutes/compress/title33.pdf","text":"Wyoming Legislature\n+1"}],[{"href":"https://wyoleg.gov/statutes/compress/title40.pdf","text":"Wyoming Legislature\n+1"}],[{"href":"https://wyomingbankingdivision.wyo.gov/money-transmitters/laws-and-regulations","text":"Wyoming Banking Division\n+1"}],[{"href":"https://www.law.cornell.edu/regulations/wyoming/agency-021/subagency-0004/chapter-1/021-1-Wyo-Code-R-SSSS-1-2","text":"Legal Information Institute\n+1"}],[{"href":"https://www.govinfo.gov/content/pkg/CFR-2019-title31-vol3/pdf/CFR-2019-title31-vol3-part1010.pdf","text":"GovInfo\n+1"}],[{"href":"https://www.govinfo.gov/content/pkg/CFR-2020-title31-vol3/pdf/CFR-2020-title31-vol3-part1010.pdf","text":"GovInfo\n+1"}],[{"href":"https://www.ecfr.gov/current/title-31/section-1010.100","text":"eCFR\n+1"}],[{"href":"https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/definition-money-services-business-debt","text":"FinCEN.gov"}],[{"href":"https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/application-money-services-business-2","text":"FinCEN.gov\n+1"}],[{"href":"https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/administrative-ruling-whether-company-offers","text":"FinCEN.gov"}],[{"href":"https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/whether-company-offers-secured-transaction","text":"FinCEN.gov"}],[{"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/2025/11/Order-Amending-Rule-10-for-the-Authorized-Practice-of-Law-Effective-Jan-2026.pdf","text":"Wyoming Courts\n+1"}],[{"href":"https://www.wyocourts.gov/app/uploads/2025/01/WYOMING-RULES-OF-DISCIPLINARY-PROCEDURE-1.pdf","text":"Wyoming Courts\n+1"}],[{"href":"https://www.wyomingbar.org/wp-content/uploads/Trust-Account-Handbook-4.pdf","text":"Wyoming State Bar"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","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.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business","text":"Federal Trade Commission"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1005/2/","text":"Consumer Financial Protection Bureau\n+3"}],[{"href":"https://wyoleg.gov/statutes/compress/title03.pdf","text":"Wyoming Legislature\n+2"}],[{"href":"https://wyoleg.gov/statutes/compress/title04.pdf","text":"Wyoming Legislature\n+2"}],[{"href":"https://wyoleg.gov/statutes/compress/title34.1.pdf","text":"Wyoming Legislature\n+2"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t26/s501/","text":"US Code\n+1"}],[{"href":"https://caselaw.findlaw.com/court/wy-supreme-court/1152759.html","text":"FindLaw Caselaw\n+1"}],[{"href":"https://law.justia.com/cases/wyoming/supreme-court/2005/444415.html","text":"Justia Law"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf","text":"GovInfo\n+1"}]],"rows":[["Source ID","Issuer/document and complete literal HTTPS URL","Version, exact pinpoint and actual read extent"],["S_WY-P3-S001","Wyoming Legislature, Title 33. https://wyoleg.gov/statutes/compress/title33.pdf","Complete operative Chapter 14, §§33-14-101–103; PDF indices 110–111, text and images. Official retrieved compilation; precise consolidation-through date unstated. Historical enactments not reverified. \nWyoming Legislature\n+1"],["S_WY-P3-S002","Wyoming Legislature, Title 40. https://wyoleg.gov/statutes/compress/title40.pdf","Selected complete relevant clauses of §§40-22-102–104, -107, -116–119; §106 security gateway only. Definitions/scope indices 294–298; §107 299–300; records/delegates 308–310. Images inspected at relevant indices. Not a full licensing/security/remedies audit. \nWyoming Legislature\n+1"],["S_WY-P3-S003","Wyoming Division of Banking, money-transmitter operational pages. https://wyomingbankingdivision.wyo.gov/money-transmitters/laws-and-regulations ; https://wyomingbankingdivision.wyo.gov/money-transmitters/application-forms","Selected official instructions and rule links read. Operational material, not substantive permission. Rule destinations https://sos.wyo.gov/Rules/default.aspx and https://rules.wyo.gov/ yielded no usable operative rule/adoption body. \nWyoming Banking Division\n+1"],["S_WY-P3-S004","Wyoming money-transmitter regulations, reproduced by Cornell LII. https://www.law.cornell.edu/regulations/wyoming/agency-021/subagency-0004/chapter-1/021-1-Wyo-Code-R-SSSS-1-2 ; https://www.law.cornell.edu/regulations/wyoming/021-2-Wyo-Code-R-SS-2-5","Operative reproduced §§1-2 and 2-5 read; §1-2 unsafe/unsound definition used conditionally. §2-5 displays amendment November 16, 2021; no issuer adoption order recovered. Current official-body verification held. \nLegal Information Institute\n+1"],["S_WY-P3-S005","Treasury/GPO, 2019 annual CFR, Part 1010. https://www.govinfo.gov/content/pkg/CFR-2019-title31-vol3/pdf/CFR-2019-title31-vol3-part1010.pdf","Historical §1010.100(ff), particularly (5) and (8); printed pp.729–732, indices 4–7; image p.731/index6. Selected historical definition read, not entire part. \nGovInfo\n+1"],["S_WY-P3-S006","Treasury/GPO, 2020 annual CFR, Part 1010. https://www.govinfo.gov/content/pkg/CFR-2020-title31-vol3/pdf/CFR-2020-title31-vol3-part1010.pdf","Same relevant definition, printed pp.841–844, indices 4–7; image p.843/index6; amendment-history note p.847/index10. Paired historical-version check with S005, not independent corroboration. \nGovInfo\n+1"],["S_WY-P3-S007","Treasury/eCFR, current §1010.100. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010/subpart-A/section-1010.100","Selected §1010.100(ff), especially (5), (8). Display through October 23, 2026; Title 31 last amended October 15. Current federal reading separate from Wyoming’s fixed 2020 reference. \neCFR\n+1"],["S_WY-P3-S008","FinCEN, Ruling 2004-4, November 24, 2004, DMP. https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/definition-money-services-business-debt","Full operative HTML ruling read. Historical §103.11 framework; fact-limited conclusion concerning transmission integral to negotiated DMP services. Not state authorization. \nFinCEN.gov"],["S_WY-P3-S009","FinCEN, FIN-2012-R004, daily money management. https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/application-money-services-business-2 ; https://www.fincen.gov/system/files/administrative_ruling/FIN-2012-R004.pdf","Operative ruling read; PDF printed pp.1–4/indices0–3, selected images inspected. PDF says issued May 25, 2012; webpage date field says June 25. PDF issuance date retained; discrepancy not concealed. \nFinCEN.gov\n+1"],["S_WY-P3-S010","FinCEN, FIN-2013-R002, November 13, 2013, payable-through drafts. https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/administrative-ruling-whether-company-offers","Operative facts and analysis read: acceptance/transmission, DMP distinction and payment-processor conditions. Formal, fact-limited ruling; no state permission or comprehensive later-history certificate. \nFinCEN.gov"],["S_WY-P3-S011","FinCEN, FIN-2014-R005, April 29, 2014, secured transaction/escrow. https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/whether-company-offers-secured-transaction","Operative facts, integral-service analysis and conclusion read. No blanket “escrow” exemption inferred. \nFinCEN.gov"],["S_WY-P3-S012","Wyoming Supreme Court, Professional Conduct compilation. https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf","Current Rule 1.15 body/comments selected in full, printed pp.66–71/indices65–70; selected Rule1.15A comment and Rule1.16(c)–(d), printed pp.74–75/indices73–74. Current body effective Sept21,2026; printed history says amended July21. Separate amendment order not recovered. Some page-image requests failed; text was read. \nWyoming Courts\n+2"],["S_WY-P3-S013","Wyoming Supreme Court, Rule10 amendment order. https://www.wyocourts.gov/app/uploads/2025/11/Order-Amending-Rule-10-for-the-Authorized-Practice-of-Law-Effective-Jan-2026.pdf","Order page and relevant Rule10(a) selected; order Nov25,2025, effective Jan26,2026; order image index0. Not represented as a full five-page read in this pass. \nWyoming Courts\n+1"],["S_WY-P3-S014","Wyoming Supreme Court, Disciplinary Procedure compilation. https://www.wyocourts.gov/app/uploads/2025/01/WYOMING-RULES-OF-DISCIPLINARY-PROCEDURE-1.pdf","Selected Rule17, especially (d), printed pp.28–29/indices27–28; current Rule26(d) printed p.45/index44, not preceding superseded text. Rule26 amendment June25,2019, effective Sept1,2019. Current-linked compilation; complete later amendment history not certified. \nWyoming Courts\n+1"],["S_WY-P3-S015","Wyoming State Bar, Trust Account Handbook. https://www.wyomingbar.org/wp-content/uploads/Trust-Account-Handbook-4.pdf","Selected operational guidance, including printed p.14/index15, and other selected accounting guidance. Includes an older Rule1.15 reproduction; not used as current 2026 rule text. Populated examples not adopted as required blank forms. \nWyoming State Bar"],["S_WY-P3-S016","FTC/eCFR, TSR access group. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.5 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","Relevant definitions, account disclosures, complete §310.4(a)(5), payment consent, selected records and exemptions. Display through Oct23,2026, Title16 last amended Oct19. Not a complete Federal Register audit through Oct27. \neCFR\n+2"],["S_WY-P3-S017","FTC, 2010 debt-relief final rule, 75FR48458. https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf","Selected dedicated-account discussion, pp.48490–48491/indices32–33, images inspected, including relevant footnotes. Account-rule effective date Oct27,2010. Historical final explanation checked against current S016; not all66 pages read. \nGovInfo\n+1"],["S_WY-P3-S018","FTC staff, Debt Relief Services and TSR Guide. https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business","Selected coverage/jurisdiction and attorney/nonprofit explanations. Expressly staff guidance, not binding Commission rule. Older retention discussion not used against current §310.5. \nFederal Trade Commission"],["S_WY-P3-S019","CFPB, Regulation E and official interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1005/2/ ; https://www.consumerfinance.gov/rules-policy/regulations/1005/9/ ; https://www.consumerfinance.gov/rules-policy/regulations/1005/10/ ; https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","Selected account/business-day definitions; §9(b)–(c); §10 relevant receipt, authorization and stop provisions; §11 notice/investigation/correction and exceptions. Current-labeled pages; no separately established Oct27 consolidation certificate. \nConsumer Financial Protection Bureau\n+3"],["S_WY-P3-S020","Wyoming Legislature, Title3 POA Act. https://wyoleg.gov/statutes/compress/title03.pdf","Selected §§3-9-110, -114, -122; indices 68–72,76–77. §114 duties and accounting provisions read; relevant images inspected. No full agency/estate/POA drafting analysis. \nWyoming Legislature\n+2"],["S_WY-P3-S021","Wyoming Legislature, Title4 Trust Code. https://wyoleg.gov/statutes/compress/title04.pdf","Selected §§4-10-102, -105, -801, -809–810, -817; indices 3,9–10,59,64,73. Images64 and73 inspected. §813 only partly examined; no universal annual-report claim made. \nWyoming Legislature\n+2"],["S_WY-P3-S022","Wyoming Legislature, Title34.1 UCC. https://wyoleg.gov/statutes/compress/title34.1.pdf","Selected complete §§34.1-3-310, -4-214, -4-215; indices 146–147,190–192. Relevant images inspected. Not full ACH, wire, Regulation CC or payment-network coverage. \nWyoming Legislature\n+2"],["S_WY-P3-S023","OLRC, 26U.S.C. §501(q). https://uscode.house.gov/us/usc/119-118/t26/s501/","Subsection(q) operative provisions read. Page displays laws through PL119-120, Oct7,2026, despite route label. Freshly read dated body; later law unverified. Newer/preliminary routes failed. \nUS Code\n+1"],["S_WY-P3-S024","Wyoming Supreme Court, Winship v. Gem City Bone & Joint, 2008WY68,185P.3d1252, June19,2008; judicial text reproduced by FindLaw. https://caselaw.findlaw.com/court/wy-supreme-court/1152759.html","Material facts and majority analysis, particularly ¶¶1–7,9–28, disposition and relevant footnote. Judicial text, not publisher summary, used. No comprehensive later-history check. \nFindLaw Caselaw\n+1"],["S_WY-P3-S025","Wyoming Supreme Court, Board of Professional Responsibility v. Davidson, 2005WY89; reproduced order. https://law.justia.com/cases/wyoming/supreme-court/2005/444415.html","Order only retrieved; underlying adopted report needed for detailed offset facts not recovered. Not relied on for an offset holding. Metadata/order dating discrepancy not resolved. \nJustia Law"],["S_WY-P3-S026","FTC, 2024 TSR final rule, 89FR26760. https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf","Dates and selected final §310.5 text, p.26760/index0, p.26784/index24, images inspected. Effective May16,2024; §310.5(a)(2) compliance Oct15,2024. Not entire27-page preamble. \nGovInfo\n+1"]]},{"headers":["Claim ID","Actor/object/trigger → rule or required step","Exception, consequence and confidence","Source/pinpoint"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Actor/object/trigger → rule or required step","Exception, consequence and confidence","Source/pinpoint"],["S_WY-P3-C001","Nonexcluded person conducts covered fee-based debt adjustment → prohibition applies.","Account architecture does not create authority. High/text.","S001 §§33-14-101–102."],["S_WY-P3-C002","Claimed nonprofit exclusion → actual tax-exempt nonprofit consumer credit counseling service must be established.","Name, incorporation or unrelated approval insufficient. Conditional.","S001 §101(a)(i)."],["S_WY-P3-C003","Claimed lawyer/entity exclusion → exact status or legal-practice predicate must exist.","Attorney connection alone insufficient. Conditional.","S001 §§101(a)(i),102(b)."],["S_WY-P3-C004","Complete Chapter14 inspection → no special trust/title/deposit/reconciliation/remittance/return regime appears there.","Bounded text observation, not absence of other law. High.","S001 complete chapter."],["S_WY-P3-C005","Business debt, remote service, indirect or creditor-paid fee → no categorical Chapter14 safe harbor established.","Exact territorial/fee construction remains held.","S001 §101 and complete chapter."],["S_WY-P3-C006","Person receives money/value for transmission or issues/sells covered instruments → test Money Transmitters Act.","Resident consumer services expressly reach electronic/remote offers; general scope also matters. High/conditional.","S002 §§102(a)(xiii),103(a)–(b)."],["S_WY-P3-C007","Claimed institutional exemption → satisfy actual §104 category and conditions.","No blanket counselor/lawyer/administrator/affiliate exclusion; bank-delegate proviso preserved. High.","S002 §104(a)."],["S_WY-P3-C008","Claimed §104(a)(viii) exemption → analyze §1010.100(ff) as amended Jan1,2020.","Current eCFR alone is not the historical state reference. High/text; exact-date fetch held.","S002 §104(a)(viii); S005–S007."],["S_WY-P3-C009","Federal money transmission → actual acceptance/transmission and enumerated exclusions control.","Processor and integral-service exclusions require their elements; natural-person occasional/nonprofit-activity language is not a blanket nonprofit-entity exclusion. Conditional.","S005–S007 §1010.100(ff)(5),(8)."],["S_WY-P3-C010","Negotiated DMP with integral payment processing → FinCEN2004-4 found no transmitter status on its facts.","Historical regulation; not state custody permission or universal counselor exemption.","S008 operative ruling."],["S_WY-P3-C011","Company accepts customers’ money and pays their bills without the relevant negotiated DMP service → FIN-2012-R004 found money transmission.","Budgeting consultation alone did not establish the integral-service exclusion.","S009 pp.1–4, especiallyp.3."],["S_WY-P3-C012","Independent administrator/payable-through-draft service → separately analyze receipt/transmission and processor conditions.","Debtor-side agreement alone insufficient for payee-side processor exclusion; no inherited DMP exemption.","S010 operative analysis."],["S_WY-P3-C013","Actual secured-transaction/escrow service with integral release/return mechanism → FIN-2014-R005 found exclusion on described facts.","No standalone “escrow label” exemption.","S011 operative analysis/conclusion."],["S_WY-P3-C014","Authorized delegate → express written appointment specifying authority and statutory supervision/subdelegate conditions.","Affiliation alone does not appoint; subdelegation requires stated consents. High.","S002 §§103(e),118,119(f)."],["S_WY-P3-C015","Delegate/subdelegate owes licensee funds → remit under contract and licensee procedures.","“Remit” is not proof of final creditor posting; no numerical universal deadline in these clauses. High.","S002 §§102(a)(xvii),119(b),(c),(e)."],["S_WY-P3-C016","Licensed transmitter → preserve specified records five years; post general ledger at least monthly.","Out-of-state records accessible to commissioner on seven-business-day written notice; not consumer-return period. High.","S002 §116(a)–(c)."],["S_WY-P3-C017","Licensee has outstanding covered instruments → maintain statutory permissible investments at all times.","Express commissioner waiver tied to posted security remains; not individual deposit segregation. High.","S002 §107(a)."],["S_WY-P3-C018","Licensee bankruptcy → §107(b) deems permissible investments held in trust for specified purchasers/holders.","No completed federal bankruptcy priority/tracing/recovery determination. High/text, outcome held.","S002 §107(b)."],["S_WY-P3-C019","Reproduced money-transmitter rule defines unsafe/unsound conduct to include deficient records/accounting, nonpayment, liquidity and controls.","Official current rule/adoption body not obtained; qualified regulatory support only.","S004 Ch1 §1-2."]]},{"headers":["Claim ID","Actor/object/trigger → rule or required step","Exception, consequence and confidence","Source/pinpoint"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Actor/object/trigger → rule or required step","Exception, consequence and confidence","Source/pinpoint"],["S_WY-P3-C020","Current lawyer funds analysis → use Rule1.15 effective Sept21,2026.","Separate July21 amendment order remains unread; old printed body not used. High body/source hold.","S012 current heading/history."],["S_WY-P3-C021","Lawyer possesses client/third-party property connected with representation → separate from own property; funds in appropriate IOLTA/non-IOLTA.","Actual representation and possession required. High.","S012 Rule1.15(a),(h)."],["S_WY-P3-C022","Funds cannot earn client net income beyond costs → IOLTA classification, considering stated amount/duration/rate/cost/capability factors.","Other funds non-IOLTA; periodic assessment required by rule. High.","S012 Rule1.15(a)(1)–(2)."],["S_WY-P3-C023","IOLTA interest/fees → prescribed foundation remittance and reporting; only allowable reasonable charges from interest.","Excess/other charges not taken from client principal or another account’s interest; lawyer responsibility as stated. High.","S012 Rule1.15(a)(1)(iii)."],["S_WY-P3-C024","Non-IOLTA funds → income for beneficial owner, not lawyer; special interest arrangement follows written instructions.","No automatic TSR compatibility or insurance determination. High.","S012 Rule1.15(a)(2),(b)(2)–(3)."],["S_WY-P3-C025","Lawyer trust account → qualifying regulated institution with Wyoming location/branch, federal-insurance and Bar approval conditions.","Institutional eligibility is not proof of actual pass-through coverage. High/conditional.","S012 Rule1.15(b)."],["S_WY-P3-C026","Receipt/withdrawal → intact deposit; no ATM/debit-card withdrawal; authorized lawyer/supervised actor and identified-payee procedures.","Actual authorization and entitlement still required. High.","S012 Rule1.15(b)(4)."],["S_WY-P3-C027","Account title/control → lawyer/firm name, clear trust designation, required direct-disbursement capability.","Title does not confer beneficial ownership on lawyer. High.","S012 Rule1.15(b)(5)."],["S_WY-P3-C028","Lawyer deposits own money → limited to necessary minimum-balance/bank-charge purpose.","Not permission for operating funds or cross-client subsidy. High.","S012 Rule1.15(c)."],["S_WY-P3-C029","Advance legal fees/expenses received → trust until actually earned/incurred.","Agreement or invoice alone does not establish earning; federal timing may be additional. High/conditional.","S012 Rule1.15(d)."],["S_WY-P3-C030","Client/third-party funds received → prompt notice, delivery to entitled person and requested full accounting.","Law, rule, agreement and disputes affect entitlement; no fixed numerical period stated. High.","S012 Rule1.15(e)."],["S_WY-P3-C031","Two or more persons claim interests, including lawyer → retain disputed portion; promptly distribute undisputed portion.","No unilateral fee-offset resolution. High.","S012 Rule1.15(f), comments."],["S_WY-P3-C032","Lawyer maintains trust funds → current journals, per-client ledgers, bank/electronic-transfer records and at-least-quarterly written reconciliation.","Five years after representation terminates; accessible printable electronic records allowed. High.","S012 Rule1.15(e),(g)."],["S_WY-P3-C033","Firm dissolution or practice sale → arrangements for prescribed trust-record maintenance.","Does not transfer ownership of client money to firm participants. High.","S012 Rule1.15(k)–(l)."],["S_WY-P3-C034","Owner cannot be located after reasonable efforts → remit property to Wyoming State Bar Client Protection Fund.","No numerical waiting period established by this clause; not universal unclaimed-property law for nonlawyers. High.","S012 Rule1.15(j)."],["S_WY-P3-C035","Representation terminates → protect interests, surrender entitled property, refund unearned advance.","Tribunal requirements and disputes remain; no universal numerical refund deadline. High.","S012 Rule1.16(c)–(d)."],["S_WY-P3-C036","Rule17 suspension order served as specified on account institution → disbursement injunction except court order.","Does not authorize ordinary administrator to override freeze. High.","S014 Rule17(d)."],["S_WY-P3-C037","Rule26(d) incapacity/disappearance/death/disciplinary conditions and no capable responsible party → district judge, on Bar Counsel request, appoints protective counsel.","Court-order scope and confidentiality limits apply; not automatic successor banking authority. High.","S014 current Rule26(d),p.45."],["S_WY-P3-C038","Lawyer with notice of valid assignment of settlement proceeds → honor assignment despite absence of direct lawyer-assignee contract.","Winship’s actual assignment facts; not every asserted creditor claim.","S024 ¶¶26–28."]]},{"headers":["Claim ID","Actor/object/trigger → rule or required step","Exception, consequence and confidence","Source/pinpoint"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Actor/object/trigger → rule or required step","Exception, consequence and confidence","Source/pinpoint"],["S_WY-P3-C039","Debt-relief transaction → establish TSR jurisdiction, telemarketing and exemptions before applying dedicated-account rule.","Genuine nonprofit, face-to-face, unsolicited-call and business-call distinctions not universal; no blanket attorney exemption inferred. Conditional.","S016 §§310.2,.6; S018 coverage guidance."],["S_WY-P3-C040","Required dedicated account → insured institution, consumer ownership/interest, unaffiliated administrator, no referral compensation.","All conditions necessary; bank/administrator labels insufficient. High.","S016 §310.4(a)(5)(ii)(A)–(D)."],["S_WY-P3-C041","Consumer requests withdrawal from covered service → no penalty; must receive current account funds less qualifying earned fees within seven business days.","Not merely initiation, withdrawal availability or account closure. High.","S016 §310.4(a)(5)(ii)(E)."],["S_WY-P3-C042","Claimed debt-relief fee deduction → actual alteration under customer-executed valid agreement, required payment, and compliant allocation.","First payment alone insufficient; same enrollment balances/method; no state permission created. High.","S016 §310.4(a)(5)(i)(A)–(C)."],["S_WY-P3-C043","Independent account administrator’s own fee → 2010 explanation contemplated direct consumer charges.","Not automatically a debt-relief earned-fee exception, lawful Wyoming fee, or offset from someone else’s funds. Conditional.","S017 pp.48490–48491."],["S_WY-P3-C044","Covered telemarketing charge → express informed consent to charge identified account.","Separate from settlement earning and Regulation E authorization. High.","S016 §310.4(a)(7)."],["S_WY-P3-C045","Covered TSR records → generally five years, with record-specific starting points.","Does not replace longer trust/other records duties; old two-year guide not current rule. High.","S016 §310.5; S026 final text."],["S_WY-P3-C046","Claimed bank insurance/pass-through/creditor protection → actual legal and account evidence needed.","Required insured institution or “trust/FBO” label alone does not prove coverage or insolvency outcome. Held.","S002 §107; S012 Rule1.15(b); S016 account condition."],["S_WY-P3-C047","Regulation E account → consumer-purpose asset-account definition applies; bona fide trust account excluded.","Actual trust law/facts, not label, determine exclusion. High/conditional.","S019 §1005.2(b), interpretation."],["S_WY-P3-C048","Recurring consumer-account debit → signed/similarly authenticated authorization and consumer copy.","Merchant cannot substitute its signature based only on oral permission; stated exceptions preserved. High.","S019 §1005.10(b), interpretations."],["S_WY-P3-C049","Stop recurring debit → notice at least three institution-business-days before scheduled transfer; revocation procedures separately apply.","Written confirmation may be required within14 days if properly specified; not service cancellation. High.","S019 §1005.10(c), interpretations."],["S_WY-P3-C050","Qualifying EFT error notice → generally60 days from statement; ten-business-day investigation or conditional provisional-credit extension.","Forty-five-day ordinary extended period;20/90-day special cases and written-confirmation exceptions; not TSR return timing. High/conditional.","S019 §1005.11(b)–(c)."],["S_WY-P3-C051","Covered EFT account → monthly statement when EFT occurs, otherwise at least quarterly.","Credit-only/passbook and intra-institution exceptions must be tested. High.","S019 §1005.9(b)–(c)."],["S_WY-P3-C052","Accepted POA agency → good faith, actual authority and statutory duties; default transaction records.","Terms can alter specified default duties, not mandatory core duties. High.","S020 §3-9-114(a)–(b)."],["S_WY-P3-C053","Proper POA accounting request → comply within30 days or timely explanation and additional30 days.","Default rule; listed requester categories and instrument terms matter. High.","S020 §3-9-114(h)."],["S_WY-P3-C054","Principal dies or authority otherwise terminates → POA termination rules apply.","Good-faith/no-actual-knowledge protections preserved; funds not forfeited to agent. High/conditional.","S020 §3-9-110."],["S_WY-P3-C055","Actual express/statutorily covered trust → Trust Code scope and default/mandatory division must be established.","Account label does not prove trust; governing terms and other law matter. Conditional.","S021 §§4-10-102,105."],["S_WY-P3-C056","Applicable trustee → protect/control property, adequate records, separation and appropriate identification.","Pooling permitted with clear respective-interest records under stated provision; defaults/terms considered. High/conditional.","S021 §§809–810."],["S_WY-P3-C057","Trust terminates → expeditious distribution to entitled persons, subject to statutory reasonable reserve.","Not a fixed day count or permission to override other law; proposal-objection provision distinct. High.","S021 §817."],["S_WY-P3-C058","Check taken for obligation → apply §3-310’s instrument-specific discharge/suspension rule.","“Unless otherwise agreed” and instrument type matter; issuing a check not always discharge. High.","S022 §34.1-3-310."],["S_WY-P3-C059","Provisional bank credit fails to become final → chargeback/refund and final-payment provisions apply.","Prior availability/use is not conclusive finality; bank timing/liability conditions remain. High.","S022 §§4-214,4-215."],["S_WY-P3-C060","Lawyer considers disbursement of deposit → Bar handbook distinguishes collected from available funds.","Dated operational guidance; no invented universal clearing period or current-rule substitution. Qualified.","S015 p.14/index15; S022."],["S_WY-P3-C061","Credit counseling is substantial purpose of tax-exempt organization → §501(q) qualification rules potentially apply.","Dated Oct7 body; no state custody/transmission authorization or actual tax-status finding. Conditional.","S023 §501(q)."],["S_WY-P3-C062","Search for universal excluded-counselor remittance/refund deadline → none established in examined Chapter14/selected transmission clauses.","Contract, official-rule, agency/trust and other-law gaps remain; not negative-universe claim. Held.","S001,S002,S004 read limits."],["S_WY-P3-C063","Service withdrawal, ACH stop, account closure, creditor payment and agency termination → analyze separately.","One instruction does not automatically accomplish every object. Legal synthesis.","S016,S019–S022."],["S_WY-P3-C064","True consumer-to-creditor direct payment with no provider receipt/control → no provider custody established by that flow alone.","Negotiation still may be prohibited; actual payment credentials/control must be examined. Conditional.","S001 §101(A)–(B); S002 §102; S007."],["S_WY-P3-C065","Multiple beneficial owners share account → correct individual balances remain necessary.","Aggregate positive balance does not establish entitlement to spend another owner’s money. High/inference.","S012 Rule1.15(a),(g); S021 §810."],["S_WY-P3-C066","Official application/rule pages → establish route only.","No application, license status, approved funds agreement or complete blank form was verified.","S003,S015."],["S_WY-P3-C067","Qualifying lawyer-account overdraft event → institution reports under Rule1.15(b)(1).","Dishonored-item and honored-item reporting differ; honored report within five business days of presentation—not consumer refund timing. High.","S012 Rule1.15(b)(1)."],["S_WY-P3-C068","Active in-state Wyoming practitioner → annual trust-account/no-client-funds certification under rule.","Required fields specified in rule; actual form/status not queried. High.","S012 Rule1.15(i)."],["S_WY-P3-C069","Unusual indirect-fee, creditor-funded, business-debt or remote model → preserve separate classification and nexus questions.","No assumed fee permission, nonprofit qualification or federal exclusion. Held.","S001,S002,S007–S011,S023."],["S_WY-P3-C070","Currentness/history assessment → source display dates are limits, not complete current-law certificates.","P01 historical dates/1957 act and later-law/citator universe remain open.","Source/read register."],["S_WY-P3-C071","Law-practice business form → current Rule10 order is effective Jan26,2026.","Does not itself prove Chapter14 exclusion or actual funds authority. High/conditional.","S013 order and Rule10(a)."],["S_WY-P3-C072","Person instructs/debits/returns/restricts funds → actual authority and applicable account/legal conditions required.","“Administrator,” “agent,” “trust” or “processor” title is not complete proof. Conditional synthesis.","S002,S007–S014,S019–S021."],["S_WY-P3-C073","Institution receives qualifying preauthorized credit → credit as of date funds received.","Applies to §1005.10(a)(1) transfer category; not proof of creditor posting. High.","S019 §1005.10(a)(3)."],["S_WY-P3-C074","Money-transmitter security/investment requirements implicated → separate bond/financial-assurance investigation remains necessary.","This pass identifies §§106–107 gateway only; no bond, insurance, capital or insolvency completion.","S002 §§106–107; S004 limited read."]]},{"headers":["Authority","Material facts and issue","Holding/conclusion and disposition","Read and later-history limits"],"index":7,"links":[{"href":"https://caselaw.findlaw.com/court/wy-supreme-court/1152759.html","text":"FindLaw Caselaw"},{"href":"https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/definition-money-services-business-debt","text":"FinCEN.gov"},{"href":"https://www.fincen.gov/system/files/administrative_ruling/FIN-2012-R004.pdf","text":"FinCEN.gov\n+1"},{"href":"https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/administrative-ruling-whether-company-offers","text":"FinCEN.gov"},{"href":"https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/whether-company-offers-secured-transaction","text":"FinCEN.gov"},{"href":"https://law.justia.com/cases/wyoming/supreme-court/2005/444415.html","text":"Justia Law"}],"row_links":[[],[{"href":"https://caselaw.findlaw.com/court/wy-supreme-court/1152759.html","text":"FindLaw Caselaw"}],[{"href":"https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/definition-money-services-business-debt","text":"FinCEN.gov"}],[{"href":"https://www.fincen.gov/system/files/administrative_ruling/FIN-2012-R004.pdf","text":"FinCEN.gov\n+1"}],[{"href":"https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/administrative-ruling-whether-company-offers","text":"FinCEN.gov"}],[{"href":"https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/whether-company-offers-secured-transaction","text":"FinCEN.gov"}],[{"href":"https://law.justia.com/cases/wyoming/supreme-court/2005/444415.html","text":"Justia Law"}]],"rows":[["Authority","Material facts and issue","Holding/conclusion and disposition","Read and later-history limits"],["Winship v. Gem City Bone & Joint, Wyoming Supreme Court, June19,2008,2008WY68,185P.3d1252","Personal-injury client assigned proceeds for medical bills. Lawyer received notice and later disbursed without satisfying assignee; dispute included absence of direct lawyer-provider contract.","Valid assignment bound the obligor with notice. Direct contract with assignee was unnecessary. Summary judgment affirmed, particularly ¶¶26–28.","Actual majority text and material facts read. Case uses earlier professional-rule text; current Rule1.15 comes from S012. No comprehensive later-history check; no general rule for every unsecured demand. S024/C038. \nFindLaw Caselaw"],["FinCEN2004-4, Nov24,2004","DMP provider negotiated creditor concessions, received periodic consumer payments into a trust account and paid creditors as part of the plan.","Transmission was integral to the debt-management service on the submitted facts; not a money transmitter under the then-applicable rule.","Formal administrative ruling, not judicial majority or Wyoming permission. Historical §103.11 wording; later 2012–2014 rulings actually checked for distinctions. S008/C010. \nFinCEN.gov"],["FIN-2012-R004, PDF issued May25,2012","Company accepted customers’ funds into its account and paid bills by company check. Budget consultations did not include the material creditor-negotiated DMP service.","Money transmitter. Movement of money was the service itself rather than integral to a separate qualifying service.","PDF/page-date discrepancy preserved. Operative ruling read; later2013 discussion checked. No comprehensive withdrawal/supersession audit. S009/C011. \nFinCEN.gov\n+1"],["FIN-2013-R002, Nov13,2013","Prefunded accounts and payable-through drafts used to transmit customers’ funds. Claimed DMP/payment-processor exclusions examined.","Administrator had to satisfy its own exclusion. Processor analysis required the relevant goods/services or bill transaction, clearance/settlement mechanism and seller/creditor relationship.","Formal fact-limited ruling; not automatic exclusion for all account administrators or all payee agents. Current and historical CFR texts separately checked. S010/C012. \nFinCEN.gov"],["FIN-2014-R005, Apr29,2014","Company managed secured buyer-seller transactions, monitored performance and released or returned funds as part of that service.","Integral-service exclusion applied on represented facts; no separate standalone transmission service established.","Not blanket escrow exemption; no Wyoming authorization. Full operative analysis read; comprehensive later history not checked. S011/C013. \nFinCEN.gov"],["Davidson,2005WY89, Wyoming Supreme Court","Retrieved public order adopted a disciplinary report, but the report supplying the proposed fee-offset factual comparison was not recovered.","No offset holding adopted here. Order alone insufficient for the intended detailed comparison.","Annotation/snippet not substituted for report. Exact factual comparison and complete date/history remain held. S025. \nJustia Law"]]},{"headers":["Event","Consumer A ledger","Consumer B ledger","Pooled bank balance"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Event","Consumer A ledger","Consumer B ledger","Pooled bank balance"],["Opening","$0.00","$0.00","$0.00"],["Contributions: A $600; B $400","$600.00","$400.00","$1,000.00"],["A creditor receives $350","$250.00","$400.00","$650.00"],["B creditor receives $250","$250.00","$150.00","$400.00"],["Additional A transfer debits $100 but is not accepted","$150.00 plus $100 in transit","$150.00","$300.00"],["Failed $100 actually returns","$250.00","$150.00","$400.00"]]},{"headers":["Destination","Amount"],"index":9,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Destination","Amount"],["Previously paid earned fees","$300.00"],["Newly withdrawable undisputed earned amount","$150.00"],["Prompt return of undisputed unearned balance","$600.00"],["Remains in trust pending resolution","$150.00"],["Total","$1,200.00"]]},{"headers":["Debt","Enrollment balance","Proportion of $10,000 enrolled total","Allocated portion of $2,000 total contracted fee"],"index":10,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Debt","Enrollment balance","Proportion of $10,000 enrolled total","Allocated portion of $2,000 total contracted fee"],["A","$2,000.00","20%","$400.00"],["B","$3,000.00","30%","$600.00"],["C","$5,000.00","50%","$1,000.00"],["Total","$10,000.00","100%","$2,000.00"]]},{"headers":["Posture","Correct boundary"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Posture","Correct boundary"],["Consumer pays creditor $600 directly; provider never receives or controls the payment","Provider custody is not established, but fee-based negotiation remains separately subject to Chapter14."],["Bank makes a deposited check available before final collection","Availability is not conclusive finality; later chargeback can expose another client’s money if the ledger is mishandled."],["Administrator sends a transfer instruction on the seventh business day","The TSR requires receipt within the period, not merely instruction transmission."],["Administrator and debt-relief provider share ownership","Separate bank accounts do not cure the TSR’s administrator-affiliation condition."],["Client disputes $150; lawyer withholds the entire $900","The disputed portion and undisputed entitlements must be separated under Rule1.15(f)."],["Consumer revokes ACH authorization","Future-debit control does not automatically recover prior payments or terminate a creditor compromise."],["Principal dies while agent holds money","POA termination and successor-recipient authority must be addressed; the agent does not become owner."],["Lawyer disappears and staff knows the account password","Credentials do not establish legal authority; protective appointment and any court restrictions matter."],["Account is titled “FBO customers”","That label alone proves neither separate beneficial ownership, pass-through insurance nor bankruptcy protection."],["Transmitter’s out-of-state records are due to the commissioner in seven business days","That is not the TSR’s customer-funds-return provision."],["Provider has a “trust” account but no individual ledgers","A pooled balance alone cannot establish each customer’s entitlement or satisfy the applicable record rule."],["Administrator fails or becomes insolvent","A contractual withdrawal promise does not establish actual recovery, insurance or priority; those questions remain open."]]},{"headers":["Assigned issue","Status","Findings/claims","Exact missing evidence and next bounded investigation"],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Assigned issue","Status","Findings/claims","Exact missing evidence and next bounded investigation"],["1—Classify actual actor/activity before funds duties","Answered at framework level","Chapter14 and separate funds regimes; C001–C009.","Actual actor, function and compensation facts remain unproved."],["1—Nonprofit/attorney exclusions","Partial/application held","Exact exclusion wording, legal-practice and tax distinction; C002–C003,C061,C071.","Published construction of ambiguous exclusion terms and actual entity/function facts; no named status inquiry."],["1—Provider DMP/consumer account/direct pay/lawyer/admin flows","Answered conditionally","Branch matrix and models; C010–C016,C021,C040,C064,C072.","Actual title, contracts, payment permissions and beneficial ownership."],["1—Consumer/business purpose and remote nexus","Partial","Explicit transmission resident-consumer provision; Chapter14 boundary held; C005–C008,C069.","Controlling Chapter14 territorial/business/indirect-fee interpretation."],["2—Special Chapter14 trust regime","Answered, bounded","None in complete chapter; C004.","No inference about all fiduciary/payment law."],["2—Ownership/title/control/signatories","Answered by conditional branch","Lawyer, TSR, agency/trust and transmission distinctions; C021–C028,C040,C052,C055–C056,C072.","Actual deposit, administrator and processor agreements."],["2—Segregation/commingling/pooling","Answered for examined branches","Lawyer separation/per-client records; actual trust default; transmitter investment distinction; C017–C018,C021,C032,C056,C065.","Whether a nonlawyer arrangement creates an express trust or other fiduciary duty."],["2—Institution/location/interest","Answered conditionally","Lawyer institution/IOLTA rules and TSR conditions; C022–C025,C040.","Actual institution eligibility, account product and earned-interest records."],["2—Insurance/pass-through/creditor protection","Unresolved and separately reserved","No label-based conclusion; C046,C074.","Deposit-insurance rules and records, ownership category, tracing and insolvency law in later pass."],["3—Deposit and creditor-remittance timing","Partial","Intact lawyer deposits; prompt delivery; delegate contract timing; C015,C026,C030,C062.","Complete current official regulations, actual contract and payment-system deadlines."],["3—Cleared/final/available/posted funds","Answered for examined check/bank rules","C058–C060,C073.","Actual instrument/rail, settlement status, bank agreement and creditor posting."],["3—Error/unaccepted payments","Partial","UCC chargeback and conditional Regulation E error process; C050,C058–C059.","Full ACH/network, wire, commercial-transfer and creditor-posting rules."],["3—Allocation/accounting/reconciliation","Answered for identified regimes","Lawyer client ledgers/quarterly; transmitter monthly ledger; trust/POA records; C016,C030–C032,C052–C056,C065.","Nonprofit contract/common-law duties outside established statutory branches."],["3—Retention and consumer access","Answered with branch limits","Lawyer five years after termination; transmitter five years; TSR five years; RegE statements; C016,C032,C045,C051,C053.","Actual records; other overlapping retention or litigation-preservation duties not completed."],["4—Service cancellation/withdrawal","Answered conditionally","Actual receipt within TSR seven business days; C039–C042.","Actual scope, request, lawful earning, balance and business-day calendar."],["4—Plan failure or administrator failure","Partial","No automatic conversion of customer funds into fees; existing return/ownership duties identified.","Failure-specific remedies, insolvency, tracing, security and recovery procedures remain later work."],["4—Disputed fees and offsets","Answered at professional-rule level","Preserve dispute; distribute undisputed; C029–C031.","Actual earning and resolution; broader offset/common-law remedies and Davidson report remain held."],["4—Historical contributions/prior creditor payments/prior fees","Answered through models","Same-balance conservation, no double deduction; C041–C043,C063–C065.","Actual ledgers and lawful entitlement not examined."],["4—Death/disappearance","Partial","POA termination; professional protective appointment; C034,C037,C054.","Actual successor/estate authority and any court order; full succession/estate law excluded."],["4—Account closure versus ACH revocation versus service exit","Answered, bounded","C048–C049,C063.","Actual bank/administrator procedures and contractual effects."],["5—Current Rule1.15 operative text","Answered","Sept21,2026 body freshly read; C020–C035.","Complete independent currentness certificate not obtained."],["5—Exact Rule1.15 amendment order","Unresolved source requirement","Printed July21 amendment history read.","Recover separate final order through an accessible official public route; no guessed document treated as read."],["5—Rule10 entity order","Answered at relevant selected scope","Jan26,2026 effective order; C071.","Actual entity/legal-practice predicate remains unproved."],["5—Safekeeping/accounting/delivery/records","Answered","C021–C035,C065,C067–C068.","Actual compliance and bank evidence not examined."],["5—Custodian/protective counsel/freeze","Answered at rule level","Rules17(d),26(d); C036–C037.","Specific court-appointed authority and actual order never queried."],["5—Nonprofit §501(q)","Partial/currentness-limited","Fresh Oct7 body; tax rules distinguished; C061.","Later statutory changes after displayed cutoff and actual tax/function facts."],["5—Unusual indirect/creditor-funded/business model","Held","C005,C069.","Exact activity, fee source, purpose and controlling interpretation."],["6—Money-transmitter statutory gate","Answered conditionally","Definitions, nexus, exemptions, delegate rules; C006–C018.","Actual transaction/control and exemption facts; no license-status inquiry."],["6—Fixed2020 federal definition","Substantially answered with route qualification","Official2019/2020 editions bracket matching text; C008–C009.","Exact Jan1 online route failed; no false successful-fetch claim."],["6—Current Wyoming regulations/adoption","Partial","Reproduced relevant text inspected; C019.","Official operative rule package and adoption orders inaccessible through examined routes."],["6—Payee agent/payment processor/integral service","Answered through formal interpretations","C009–C013.","Actual creditor agreements, clearing system, business activities and receipt/control."],["6—Licensing/security gateway only","Answered within limit","C014,C017–C019,C066,C074.","Full license/bond/capital/insurance/receivership pass expressly separate."],["6—Generic official instructions/blank forms","Partial","Application route and handbook examined; no required completed blank form adopted.","Current generic trust certification or specific mandatory account form not recovered/read; no invented approved form."],["7—Published Wyoming opinion","Answered source-limited","Winship actual majority; C038.","Comprehensive later history and additional responsive cases."],["7—Material federal interpretation","Answered source-limited","Four formal FinCEN rulings plus FTC rulemaking.","Comprehensive supersession/later-ruling audit; no federal appellate holding established."],["7—Unavailable case body","Held","Davidson underlying report not used.","Recover complete adopted report before factual/holding-level reliance."],["8—Four cash-flow models","Answered","Four complete models, conditional legal steps and missing evidence visible.","No real-world permission, earning, account status or insurance inferred."],["8—Direct pay and insufficient performance","Answered","Model2, Model4B and smaller postures.","Actual control/performance facts remain held."],["8—Calendar/holiday precision","Intentionally held","Time units stated; no real date computed.","Applicable business-day definitions and authoritative holiday calendar needed for a real deadline."]]},{"headers":["Remaining family","Preserved boundary"],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Remaining family","Preserved boundary"],["Full bonds, insurance, capital and financial assurance","Only funds-related statutory gateway identified; no complete calculation, claim procedure or adequacy determination."],["Insolvency, receivership, tracing and priority","Bankruptcy-triggered statutory text identified, not complete enforceability or priority analysis."],["Remedies, UDAP, restitution and causes of action","Not completed; only consequences necessary to explain funds duties discussed."],["Agreements and fees","No P02 adoption and no new full agreement/fee pass; narrow earning/authority predicates freshly checked only."],["Collection, litigation, limitation periods, garnishment","Remain open; Winship used only for assigned proceeds/funds entitlement."],["Secured and sector-specific debt","Remain open; no mortgage, tax, student-loan or other sector acceptance."],["Local, tribal and other-country law","Remain open; no territorial or foreign-payment completion."],["Named provider/account/status","No inquiry or finding."],["Historical enactments","P01 C028 dates remain unverified here;1957 act remains unread."],["State parent/A066/operations/publication","No acceptance, authorization, operational implementation or publication readiness implied."]]},{"headers":["Reviewed P01 remainder","PASS-03 contribution","Not completed by this pass"],"index":14,"links":[],"row_links":[[],[]],"rows":[["Reviewed P01 remainder","PASS-03 contribution","Not completed by this pass"],["“Trust accounts, bonds, financial assurance | Excluded/later pass | Federal dedicated-account condition addressed only as fee timing | State/federal funds-control and bond pass for any excluded business model.”","Fresh actor/flow classification; current lawyer trust/safekeeping/records/return rules; conditional TSR ownership/control/actual-receipt rule; money-transmission and processor boundaries; delegate remittance and records; conditional trust/POA duties; payment-finality/error distinctions; published assignment case and formal federal rulings; conserved cash-flow models.","Full bond/insurance/financial-assurance/insolvency-priority investigation; complete official regulation/adoption verification; actual provider/account/contract/earning findings; comprehensive remedies, sectors, local/tribal, state-parent or A066 completion."]]},{"headers":["Route","Actual result and treatment"],"index":15,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Route","Actual result and treatment"],["https://www.govinfo.gov/content/pkg/CFR-2020-title31-vol3/pdf/CFR-2020-title31-vol3-sec1010-100.pdf","Section-file route failed. Official whole-Part1010 annual PDF was later recovered and read."],["https://www.govinfo.gov/content/pkg/CFR-2019-title31-vol3/pdf/CFR-2019-title31-vol3-sec1010-100.pdf","Section-file route failed. Official whole-part edition used instead."],["https://www.govinfo.gov/content/pkg/CFR-2020-title31-vol3/html/CFR-2020-title31-vol3-sec1010-100.htm","No usable body; not evidence."],["https://www.ecfr.gov/on/2020-01-01/title-31/subtitle-B/chapter-X/part-1010/subpart-A/section-1010.100","Exact-date route failed; historical annual editions supplied the qualified version check."],["https://www.govinfo.gov/link/cfr/31/1010?link-type=pdf&year=2019","Failed alternate route; not counted as read."],["https://sos.wyo.gov/Rules/default.aspx and https://rules.wyo.gov/","No usable operative money-transmitter rule/adoption body through examined public routes. No workaround used."],["https://www.wyocourts.gov/rule-amendments/","No usable separate July21,2026 Rule1.15 order obtained. Compilation history is not represented as the order."],["Current professional-rules PDF images at indices67,68 and70","Image requests failed/challenged. Parsed operative text was read; successful images at other relevant indices were inspected. Failed images are not claimed as viewed."],["https://uscode.house.gov/us/usc/119-134/t26/s501/","Failed fresh route."],["https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title26-section501&num=0&edition=prelim","Failed/404 route. Recovered body displayed currency through Oct7,2026 only."],["https://www.irs.gov/charities-non-profits/credit-counseling-organizations","No usable fresh body; not used as substantive authority."],["Davidson reproduced order","Underlying adopted report not recovered; no factual offset holding inferred from annotation or incomplete text."]]}],"claims":[{"claim_id":"S_WY-P3-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C001","Actor/object/trigger → rule or required step":"Nonexcluded person conducts covered fee-based debt adjustment → prohibition applies.","Exception, consequence and confidence":"Account architecture does not create authority. High/text.","Source/pinpoint":"S001 §§33-14-101–102."},"coordinator_verification_status":"explicit_dated_Chapter14_text_checked_interpretation_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Sameprogramwholechapter read; accountstructurenotpermission; actualnonprofit/lawyer/fee/nexusnotestablished. Boundedabsenceonly.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C002","Actor/object/trigger → rule or required step":"Claimed nonprofit exclusion → actual tax-exempt nonprofit consumer credit counseling service must be established.","Exception, consequence and confidence":"Name, incorporation or unrelated approval insufficient. Conditional.","Source/pinpoint":"S001 §101(a)(i)."},"coordinator_verification_status":"explicit_dated_Chapter14_text_checked_interpretation_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Sameprogramwholechapter read; accountstructurenotpermission; actualnonprofit/lawyer/fee/nexusnotestablished. Boundedabsenceonly.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C003","Actor/object/trigger → rule or required step":"Claimed lawyer/entity exclusion → exact status or legal-practice predicate must exist.","Exception, consequence and confidence":"Attorney connection alone insufficient. Conditional.","Source/pinpoint":"S001 §§101(a)(i),102(b)."},"coordinator_verification_status":"explicit_dated_Chapter14_text_checked_interpretation_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Sameprogramwholechapter read; accountstructurenotpermission; actualnonprofit/lawyer/fee/nexusnotestablished. Boundedabsenceonly.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C004","Actor/object/trigger → rule or required step":"Complete Chapter14 inspection → no special trust/title/deposit/reconciliation/remittance/return regime appears there.","Exception, consequence and confidence":"Bounded text observation, not absence of other law. High.","Source/pinpoint":"S001 complete chapter."},"coordinator_verification_status":"explicit_dated_Chapter14_text_checked_interpretation_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Sameprogramwholechapter read; accountstructurenotpermission; actualnonprofit/lawyer/fee/nexusnotestablished. Boundedabsenceonly.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C005","Actor/object/trigger → rule or required step":"Business debt, remote service, indirect or creditor-paid fee → no categorical Chapter14 safe harbor established.","Exception, consequence and confidence":"Exact territorial/fee construction remains held.","Source/pinpoint":"S001 §101 and complete chapter."},"coordinator_verification_status":"explicit_dated_Chapter14_text_checked_interpretation_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Sameprogramwholechapter read; accountstructurenotpermission; actualnonprofit/lawyer/fee/nexusnotestablished. Boundedabsenceonly.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C006","Actor/object/trigger → rule or required step":"Person receives money/value for transmission or issues/sells covered instruments → test Money Transmitters Act.","Exception, consequence and confidence":"Resident consumer services expressly reach electronic/remote offers; general scope also matters. High/conditional.","Source/pinpoint":"S002 §§102(a)(xiii),103(a)–(b)."},"coordinator_verification_status":"fresh_selected_official_transmission_text_checked_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Actualdefinitions/scope/exemption/delegate/records/investmentclauses; bankdelegateproviso andseparateremit/creditorpostingpreserved. Noactualexemption/bankruptcyrecovery/fullbondacceptance.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C007","Actor/object/trigger → rule or required step":"Claimed institutional exemption → satisfy actual §104 category and conditions.","Exception, consequence and confidence":"No blanket counselor/lawyer/administrator/affiliate exclusion; bank-delegate proviso preserved. High.","Source/pinpoint":"S002 §104(a)."},"coordinator_verification_status":"fresh_selected_official_transmission_text_checked_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Actualdefinitions/scope/exemption/delegate/records/investmentclauses; bankdelegateproviso andseparateremit/creditorpostingpreserved. Noactualexemption/bankruptcyrecovery/fullbondacceptance.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C008","Actor/object/trigger → rule or required step":"Claimed §104(a)(viii) exemption → analyze §1010.100(ff) as amended Jan1,2020.","Exception, consequence and confidence":"Current eCFR alone is not the historical state reference. High/text; exact-date fetch held.","Source/pinpoint":"S002 §104(a)(viii); S005–S007."},"coordinator_verification_status":"fresh_fixed_2020_state_reference_checked_underlying_federal_version_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"State104aviiiliteralJan1,2020checked; annualbracketandcurrentfederalbodyremainoriginalattribution, exactdatefailedrouteunretried.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C009","Actor/object/trigger → rule or required step":"Federal money transmission → actual acceptance/transmission and enumerated exclusions control.","Exception, consequence and confidence":"Processor and integral-service exclusions require their elements; natural-person occasional/nonprofit-activity language is not a blanket nonprofit-entity exclusion. Conditional.","Source/pinpoint":"S005–S007 §1010.100(ff)(5),(8)."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_conditional_inference_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalactor/object/trigger,exception,consequence,sourcepinpointreconciled. Noall-claim,currentnessoractualapplicationacceptance.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C010","Actor/object/trigger → rule or required step":"Negotiated DMP with integral payment processing → FinCEN2004-4 found no transmitter status on its facts.","Exception, consequence and confidence":"Historical regulation; not state custody permission or universal counselor exemption.","Source/pinpoint":"S008 operative ruling."},"coordinator_verification_status":"fresh_complete_operative_FinCEN_ruling_checked_historical_fact_limits","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"2004and2013formalrulingoperativebodieschecked; actualfactsandlegalversionsspecific, nostatepermission/currentallrulinghistory.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C011","Actor/object/trigger → rule or required step":"Company accepts customers’ money and pays their bills without the relevant negotiated DMP service → FIN-2012-R004 found money transmission.","Exception, consequence and confidence":"Budgeting consultation alone did not establish the integral-service exclusion.","Source/pinpoint":"S009 pp.1–4, especiallyp.3."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_conditional_inference_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalactor/object/trigger,exception,consequence,sourcepinpointreconciled. Noall-claim,currentnessoractualapplicationacceptance.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C012","Actor/object/trigger → rule or required step":"Independent administrator/payable-through-draft service → separately analyze receipt/transmission and processor conditions.","Exception, consequence and confidence":"Debtor-side agreement alone insufficient for payee-side processor exclusion; no inherited DMP exemption.","Source/pinpoint":"S010 operative analysis."},"coordinator_verification_status":"fresh_complete_operative_FinCEN_ruling_checked_historical_fact_limits","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"2004and2013formalrulingoperativebodieschecked; actualfactsandlegalversionsspecific, nostatepermission/currentallrulinghistory.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C013","Actor/object/trigger → rule or required step":"Actual secured-transaction/escrow service with integral release/return mechanism → FIN-2014-R005 found exclusion on described facts.","Exception, consequence and confidence":"No standalone “escrow label” exemption.","Source/pinpoint":"S011 operative analysis/conclusion."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_conditional_inference_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalactor/object/trigger,exception,consequence,sourcepinpointreconciled. Noall-claim,currentnessoractualapplicationacceptance.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C014","Actor/object/trigger → rule or required step":"Authorized delegate → express written appointment specifying authority and statutory supervision/subdelegate conditions.","Exception, consequence and confidence":"Affiliation alone does not appoint; subdelegation requires stated consents. High.","Source/pinpoint":"S002 §§103(e),118,119(f)."},"coordinator_verification_status":"fresh_selected_official_transmission_text_checked_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Actualdefinitions/scope/exemption/delegate/records/investmentclauses; bankdelegateproviso andseparateremit/creditorpostingpreserved. Noactualexemption/bankruptcyrecovery/fullbondacceptance.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C015","Actor/object/trigger → rule or required step":"Delegate/subdelegate owes licensee funds → remit under contract and licensee procedures.","Exception, consequence and confidence":"“Remit” is not proof of final creditor posting; no numerical universal deadline in these clauses. High.","Source/pinpoint":"S002 §§102(a)(xvii),119(b),(c),(e)."},"coordinator_verification_status":"fresh_selected_official_transmission_text_checked_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Actualdefinitions/scope/exemption/delegate/records/investmentclauses; bankdelegateproviso andseparateremit/creditorpostingpreserved. Noactualexemption/bankruptcyrecovery/fullbondacceptance.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C016","Actor/object/trigger → rule or required step":"Licensed transmitter → preserve specified records five years; post general ledger at least monthly.","Exception, consequence and confidence":"Out-of-state records accessible to commissioner on seven-business-day written notice; not consumer-return period. High.","Source/pinpoint":"S002 §116(a)–(c)."},"coordinator_verification_status":"fresh_selected_official_transmission_text_checked_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Actualdefinitions/scope/exemption/delegate/records/investmentclauses; bankdelegateproviso andseparateremit/creditorpostingpreserved. Noactualexemption/bankruptcyrecovery/fullbondacceptance.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C017","Actor/object/trigger → rule or required step":"Licensee has outstanding covered instruments → maintain statutory permissible investments at all times.","Exception, consequence and confidence":"Express commissioner waiver tied to posted security remains; not individual deposit segregation. High.","Source/pinpoint":"S002 §107(a)."},"coordinator_verification_status":"fresh_selected_official_transmission_text_checked_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Actualdefinitions/scope/exemption/delegate/records/investmentclauses; bankdelegateproviso andseparateremit/creditorpostingpreserved. Noactualexemption/bankruptcyrecovery/fullbondacceptance.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C018","Actor/object/trigger → rule or required step":"Licensee bankruptcy → §107(b) deems permissible investments held in trust for specified purchasers/holders.","Exception, consequence and confidence":"No completed federal bankruptcy priority/tracing/recovery determination. High/text, outcome held.","Source/pinpoint":"S002 §107(b)."},"coordinator_verification_status":"fresh_selected_official_transmission_text_checked_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Actualdefinitions/scope/exemption/delegate/records/investmentclauses; bankdelegateproviso andseparateremit/creditorpostingpreserved. Noactualexemption/bankruptcyrecovery/fullbondacceptance.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C019","Actor/object/trigger → rule or required step":"Reproduced money-transmitter rule defines unsafe/unsound conduct to include deficient records/accounting, nonpayment, liquidity and controls.","Exception, consequence and confidence":"Official current rule/adoption body not obtained; qualified regulatory support only.","Source/pinpoint":"S004 Ch1 §1-2."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_conditional_inference_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalactor/object/trigger,exception,consequence,sourcepinpointreconciled. Noall-claim,currentnessoractualapplicationacceptance.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C020","Actor/object/trigger → rule or required step":"Current lawyer funds analysis → use Rule1.15 effective Sept21,2026.","Exception, consequence and confidence":"Separate July21 amendment order remains unread; old printed body not used. High body/source hold.","Source/pinpoint":"S012 current heading/history."},"coordinator_verification_status":"fresh_complete_current_Rule115_text_checked_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Current3757–4062unionactualread, distinctoldertext; separateamendmentorder/actualbank/earning/insurance/authorityheld.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C021","Actor/object/trigger → rule or required step":"Lawyer possesses client/third-party property connected with representation → separate from own property; funds in appropriate IOLTA/non-IOLTA.","Exception, consequence and confidence":"Actual representation and possession required. High.","Source/pinpoint":"S012 Rule1.15(a),(h)."},"coordinator_verification_status":"fresh_complete_current_Rule115_text_checked_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Current3757–4062unionactualread, distinctoldertext; separateamendmentorder/actualbank/earning/insurance/authorityheld.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C022","Actor/object/trigger → rule or required step":"Funds cannot earn client net income beyond costs → IOLTA classification, considering stated amount/duration/rate/cost/capability factors.","Exception, consequence and confidence":"Other funds non-IOLTA; periodic assessment required by rule. High.","Source/pinpoint":"S012 Rule1.15(a)(1)–(2)."},"coordinator_verification_status":"fresh_complete_current_Rule115_text_checked_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Current3757–4062unionactualread, distinctoldertext; separateamendmentorder/actualbank/earning/insurance/authorityheld.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C023","Actor/object/trigger → rule or required step":"IOLTA interest/fees → prescribed foundation remittance and reporting; only allowable reasonable charges from interest.","Exception, consequence and confidence":"Excess/other charges not taken from client principal or another account’s interest; lawyer responsibility as stated. High.","Source/pinpoint":"S012 Rule1.15(a)(1)(iii)."},"coordinator_verification_status":"fresh_complete_current_Rule115_text_checked_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Current3757–4062unionactualread, distinctoldertext; separateamendmentorder/actualbank/earning/insurance/authorityheld.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C024","Actor/object/trigger → rule or required step":"Non-IOLTA funds → income for beneficial owner, not lawyer; special interest arrangement follows written instructions.","Exception, consequence and confidence":"No automatic TSR compatibility or insurance determination. High.","Source/pinpoint":"S012 Rule1.15(a)(2),(b)(2)–(3)."},"coordinator_verification_status":"fresh_complete_current_Rule115_text_checked_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Current3757–4062unionactualread, distinctoldertext; separateamendmentorder/actualbank/earning/insurance/authorityheld.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C025","Actor/object/trigger → rule or required step":"Lawyer trust account → qualifying regulated institution with Wyoming location/branch, federal-insurance and Bar approval conditions.","Exception, consequence and confidence":"Institutional eligibility is not proof of actual pass-through coverage. High/conditional.","Source/pinpoint":"S012 Rule1.15(b)."},"coordinator_verification_status":"fresh_complete_current_Rule115_text_checked_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Current3757–4062unionactualread, distinctoldertext; separateamendmentorder/actualbank/earning/insurance/authorityheld.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C026","Actor/object/trigger → rule or required step":"Receipt/withdrawal → intact deposit; no ATM/debit-card withdrawal; authorized lawyer/supervised actor and identified-payee procedures.","Exception, consequence and confidence":"Actual authorization and entitlement still required. High.","Source/pinpoint":"S012 Rule1.15(b)(4)."},"coordinator_verification_status":"fresh_complete_current_Rule115_text_checked_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Current3757–4062unionactualread, distinctoldertext; separateamendmentorder/actualbank/earning/insurance/authorityheld.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C027","Actor/object/trigger → rule or required step":"Account title/control → lawyer/firm name, clear trust designation, required direct-disbursement capability.","Exception, consequence and confidence":"Title does not confer beneficial ownership on lawyer. High.","Source/pinpoint":"S012 Rule1.15(b)(5)."},"coordinator_verification_status":"fresh_complete_current_Rule115_text_checked_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Current3757–4062unionactualread, distinctoldertext; separateamendmentorder/actualbank/earning/insurance/authorityheld.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C028","Actor/object/trigger → rule or required step":"Lawyer deposits own money → limited to necessary minimum-balance/bank-charge purpose.","Exception, consequence and confidence":"Not permission for operating funds or cross-client subsidy. High.","Source/pinpoint":"S012 Rule1.15(c)."},"coordinator_verification_status":"fresh_complete_current_Rule115_text_checked_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Current3757–4062unionactualread, distinctoldertext; separateamendmentorder/actualbank/earning/insurance/authorityheld.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C029","Actor/object/trigger → rule or required step":"Advance legal fees/expenses received → trust until actually earned/incurred.","Exception, consequence and confidence":"Agreement or invoice alone does not establish earning; federal timing may be additional. High/conditional.","Source/pinpoint":"S012 Rule1.15(d)."},"coordinator_verification_status":"fresh_complete_current_Rule115_text_checked_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Current3757–4062unionactualread, distinctoldertext; separateamendmentorder/actualbank/earning/insurance/authorityheld.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C030","Actor/object/trigger → rule or required step":"Client/third-party funds received → prompt notice, delivery to entitled person and requested full accounting.","Exception, consequence and confidence":"Law, rule, agreement and disputes affect entitlement; no fixed numerical period stated. High.","Source/pinpoint":"S012 Rule1.15(e)."},"coordinator_verification_status":"fresh_complete_current_Rule115_text_checked_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Current3757–4062unionactualread, distinctoldertext; separateamendmentorder/actualbank/earning/insurance/authorityheld.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C031","Actor/object/trigger → rule or required step":"Two or more persons claim interests, including lawyer → retain disputed portion; promptly distribute undisputed portion.","Exception, consequence and confidence":"No unilateral fee-offset resolution. High.","Source/pinpoint":"S012 Rule1.15(f), comments."},"coordinator_verification_status":"fresh_complete_current_Rule115_text_checked_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Current3757–4062unionactualread, distinctoldertext; separateamendmentorder/actualbank/earning/insurance/authorityheld.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C032","Actor/object/trigger → rule or required step":"Lawyer maintains trust funds → current journals, per-client ledgers, bank/electronic-transfer records and at-least-quarterly written reconciliation.","Exception, consequence and confidence":"Five years after representation terminates; accessible printable electronic records allowed. High.","Source/pinpoint":"S012 Rule1.15(e),(g)."},"coordinator_verification_status":"fresh_complete_current_Rule115_text_checked_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Current3757–4062unionactualread, distinctoldertext; separateamendmentorder/actualbank/earning/insurance/authorityheld.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C033","Actor/object/trigger → rule or required step":"Firm dissolution or practice sale → arrangements for prescribed trust-record maintenance.","Exception, consequence and confidence":"Does not transfer ownership of client money to firm participants. High.","Source/pinpoint":"S012 Rule1.15(k)–(l)."},"coordinator_verification_status":"fresh_complete_current_Rule115_text_checked_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Current3757–4062unionactualread, distinctoldertext; separateamendmentorder/actualbank/earning/insurance/authorityheld.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C034","Actor/object/trigger → rule or required step":"Owner cannot be located after reasonable efforts → remit property to Wyoming State Bar Client Protection Fund.","Exception, consequence and confidence":"No numerical waiting period established by this clause; not universal unclaimed-property law for nonlawyers. High.","Source/pinpoint":"S012 Rule1.15(j)."},"coordinator_verification_status":"fresh_complete_current_Rule115_text_checked_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Current3757–4062unionactualread, distinctoldertext; separateamendmentorder/actualbank/earning/insurance/authorityheld.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C035","Actor/object/trigger → rule or required step":"Representation terminates → protect interests, surrender entitled property, refund unearned advance.","Exception, consequence and confidence":"Tribunal requirements and disputes remain; no universal numerical refund deadline. High.","Source/pinpoint":"S012 Rule1.16(c)–(d)."},"coordinator_verification_status":"explicit_dated_Rule116_body_checked_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Sameprogram4229–4267a–d; tribunal/returnentitlementconditions, noactualtermination/refunddeadline.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C036","Actor/object/trigger → rule or required step":"Rule17 suspension order served as specified on account institution → disbursement injunction except court order.","Exception, consequence and confidence":"Does not authorize ordinary administrator to override freeze. High.","Source/pinpoint":"S014 Rule17(d)."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_conditional_inference_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalactor/object/trigger,exception,consequence,sourcepinpointreconciled. Noall-claim,currentnessoractualapplicationacceptance.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C037","Actor/object/trigger → rule or required step":"Rule26(d) incapacity/disappearance/death/disciplinary conditions and no capable responsible party → district judge, on Bar Counsel request, appoints protective counsel.","Exception, consequence and confidence":"Court-order scope and confidentiality limits apply; not automatic successor banking authority. High.","Source/pinpoint":"S014 current Rule26(d),p.45."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_conditional_inference_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalactor/object/trigger,exception,consequence,sourcepinpointreconciled. Noall-claim,currentnessoractualapplicationacceptance.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C038","Actor/object/trigger → rule or required step":"Lawyer with notice of valid assignment of settlement proceeds → honor assignment despite absence of direct lawyer-assignee contract.","Exception, consequence and confidence":"Winship’s actual assignment facts; not every asserted creditor claim.","Source/pinpoint":"S024 ¶¶26–28."},"coordinator_verification_status":"fresh_material_majority_checked_secondary_host_citator_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Winshipactualvalidassignmentandnoticeanalysis,dispositionandfootnotes read; nopublicoriginal/citator/otherquotedcaseoractualclaimacceptance.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C039","Actor/object/trigger → rule or required step":"Debt-relief transaction → establish TSR jurisdiction, telemarketing and exemptions before applying dedicated-account rule.","Exception, consequence and confidence":"Genuine nonprofit, face-to-face, unsolicited-call and business-call distinctions not universal; no blanket attorney exemption inferred. Conditional.","Source/pinpoint":"S016 §§310.2,.6; S018 coverage guidance."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_conditional_inference_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalactor/object/trigger,exception,consequence,sourcepinpointreconciled. Noall-claim,currentnessoractualapplicationacceptance.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C040","Actor/object/trigger → rule or required step":"Required dedicated account → insured institution, consumer ownership/interest, unaffiliated administrator, no referral compensation.","Exception, consequence and confidence":"All conditions necessary; bank/administrator labels insufficient. High.","Source/pinpoint":"S016 §310.4(a)(5)(ii)(A)–(D)."},"coordinator_verification_status":"explicit_dated_complete_TSR_fee_account_conditions_checked","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"OriginalMN08native115–131allA–CandA–E; customerexecution/payment/allocation andreceiptclock distinct. NofreshTSRscope/currentness/statepermission.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C041","Actor/object/trigger → rule or required step":"Consumer requests withdrawal from covered service → no penalty; must receive current account funds less qualifying earned fees within seven business days.","Exception, consequence and confidence":"Not merely initiation, withdrawal availability or account closure. High.","Source/pinpoint":"S016 §310.4(a)(5)(ii)(E)."},"coordinator_verification_status":"explicit_dated_complete_TSR_fee_account_conditions_checked","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"OriginalMN08native115–131allA–CandA–E; customerexecution/payment/allocation andreceiptclock distinct. NofreshTSRscope/currentness/statepermission.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C042","Actor/object/trigger → rule or required step":"Claimed debt-relief fee deduction → actual alteration under customer-executed valid agreement, required payment, and compliant allocation.","Exception, consequence and confidence":"First payment alone insufficient; same enrollment balances/method; no state permission created. High.","Source/pinpoint":"S016 §310.4(a)(5)(i)(A)–(C)."},"coordinator_verification_status":"explicit_dated_complete_TSR_fee_account_conditions_checked","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"OriginalMN08native115–131allA–CandA–E; customerexecution/payment/allocation andreceiptclock distinct. NofreshTSRscope/currentness/statepermission.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C043","Actor/object/trigger → rule or required step":"Independent account administrator’s own fee → 2010 explanation contemplated direct consumer charges.","Exception, consequence and confidence":"Not automatically a debt-relief earned-fee exception, lawful Wyoming fee, or offset from someone else’s funds. Conditional.","Source/pinpoint":"S017 pp.48490–48491."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_conditional_inference_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalactor/object/trigger,exception,consequence,sourcepinpointreconciled. Noall-claim,currentnessoractualapplicationacceptance.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C044","Actor/object/trigger → rule or required step":"Covered telemarketing charge → express informed consent to charge identified account.","Exception, consequence and confidence":"Separate from settlement earning and Regulation E authorization. High.","Source/pinpoint":"S016 §310.4(a)(7)."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_conditional_inference_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalactor/object/trigger,exception,consequence,sourcepinpointreconciled. Noall-claim,currentnessoractualapplicationacceptance.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C045","Actor/object/trigger → rule or required step":"Covered TSR records → generally five years, with record-specific starting points.","Exception, consequence and confidence":"Does not replace longer trust/other records duties; old two-year guide not current rule. High.","Source/pinpoint":"S016 §310.5; S026 final text."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_conditional_inference_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalactor/object/trigger,exception,consequence,sourcepinpointreconciled. Noall-claim,currentnessoractualapplicationacceptance.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C046","Actor/object/trigger → rule or required step":"Claimed bank insurance/pass-through/creditor protection → actual legal and account evidence needed.","Exception, consequence and confidence":"Required insured institution or “trust/FBO” label alone does not prove coverage or insolvency outcome. Held.","Source/pinpoint":"S002 §107; S012 Rule1.15(b); S016 account condition."},"coordinator_verification_status":"explicit_source_application_or_reserved_scope_hold_preserved","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalboundedgap/notnegativeuniverse: insurance,forms,unusualmodel,currentness/history,bonds/fullfinancialassurance andparentremainheld.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C047","Actor/object/trigger → rule or required step":"Regulation E account → consumer-purpose asset-account definition applies; bona fide trust account excluded.","Exception, consequence and confidence":"Actual trust law/facts, not label, determine exclusion. High/conditional.","Source/pinpoint":"S019 §1005.2(b), interpretation."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_conditional_inference_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalactor/object/trigger,exception,consequence,sourcepinpointreconciled. Noall-claim,currentnessoractualapplicationacceptance.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C048","Actor/object/trigger → rule or required step":"Recurring consumer-account debit → signed/similarly authenticated authorization and consumer copy.","Exception, consequence and confidence":"Merchant cannot substitute its signature based only on oral permission; stated exceptions preserved. High.","Source/pinpoint":"S019 §1005.10(b), interpretations."},"coordinator_verification_status":"fresh_selected_RegE_100510_text_checked_remaining_scope_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Actual43–94credit,authorization/copy,stopandrevocation selectedtext; c2remainingbody/definitions/otherRegEsectionsexpresslyheld, noactualcalendaroraccount.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C049","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C049","Actor/object/trigger → rule or required step":"Stop recurring debit → notice at least three institution-business-days before scheduled transfer; revocation procedures separately apply.","Exception, consequence and confidence":"Written confirmation may be required within14 days if properly specified; not service cancellation. High.","Source/pinpoint":"S019 §1005.10(c), interpretations."},"coordinator_verification_status":"fresh_selected_RegE_100510_text_checked_remaining_scope_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Actual43–94credit,authorization/copy,stopandrevocation selectedtext; c2remainingbody/definitions/otherRegEsectionsexpresslyheld, noactualcalendaroraccount.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C050","Actor/object/trigger → rule or required step":"Qualifying EFT error notice → generally60 days from statement; ten-business-day investigation or conditional provisional-credit extension.","Exception, consequence and confidence":"Forty-five-day ordinary extended period;20/90-day special cases and written-confirmation exceptions; not TSR return timing. High/conditional.","Source/pinpoint":"S019 §1005.11(b)–(c)."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_conditional_inference_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalactor/object/trigger,exception,consequence,sourcepinpointreconciled. Noall-claim,currentnessoractualapplicationacceptance.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C051","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C051","Actor/object/trigger → rule or required step":"Covered EFT account → monthly statement when EFT occurs, otherwise at least quarterly.","Exception, consequence and confidence":"Credit-only/passbook and intra-institution exceptions must be tested. High.","Source/pinpoint":"S019 §1005.9(b)–(c)."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_conditional_inference_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalactor/object/trigger,exception,consequence,sourcepinpointreconciled. Noall-claim,currentnessoractualapplicationacceptance.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C052","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C052","Actor/object/trigger → rule or required step":"Accepted POA agency → good faith, actual authority and statutory duties; default transaction records.","Exception, consequence and confidence":"Terms can alter specified default duties, not mandatory core duties. High.","Source/pinpoint":"S020 §3-9-114(a)–(b)."},"coordinator_verification_status":"fresh_POA_110_114_text_checked_actual_authority_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Mandatoryvsdefaultduties,requesterand30+30conditions,death/knowledgeprotections checked; noactualinstrument/successor/estatefacts.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C053","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C053","Actor/object/trigger → rule or required step":"Proper POA accounting request → comply within30 days or timely explanation and additional30 days.","Exception, consequence and confidence":"Default rule; listed requester categories and instrument terms matter. High.","Source/pinpoint":"S020 §3-9-114(h)."},"coordinator_verification_status":"fresh_POA_110_114_text_checked_actual_authority_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Mandatoryvsdefaultduties,requesterand30+30conditions,death/knowledgeprotections checked; noactualinstrument/successor/estatefacts.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C054","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C054","Actor/object/trigger → rule or required step":"Principal dies or authority otherwise terminates → POA termination rules apply.","Exception, consequence and confidence":"Good-faith/no-actual-knowledge protections preserved; funds not forfeited to agent. High/conditional.","Source/pinpoint":"S020 §3-9-110."},"coordinator_verification_status":"fresh_POA_110_114_text_checked_actual_authority_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Mandatoryvsdefaultduties,requesterand30+30conditions,death/knowledgeprotections checked; noactualinstrument/successor/estatefacts.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C055","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C055","Actor/object/trigger → rule or required step":"Actual express/statutorily covered trust → Trust Code scope and default/mandatory division must be established.","Exception, consequence and confidence":"Account label does not prove trust; governing terms and other law matter. Conditional.","Source/pinpoint":"S021 §§4-10-102,105."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_conditional_inference_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalactor/object/trigger,exception,consequence,sourcepinpointreconciled. Noall-claim,currentnessoractualapplicationacceptance.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C056","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C056","Actor/object/trigger → rule or required step":"Applicable trustee → protect/control property, adequate records, separation and appropriate identification.","Exception, consequence and confidence":"Pooling permitted with clear respective-interest records under stated provision; defaults/terms considered. High/conditional.","Source/pinpoint":"S021 §§809–810."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_conditional_inference_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalactor/object/trigger,exception,consequence,sourcepinpointreconciled. Noall-claim,currentnessoractualapplicationacceptance.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C057","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C057","Actor/object/trigger → rule or required step":"Trust terminates → expeditious distribution to entitled persons, subject to statutory reasonable reserve.","Exception, consequence and confidence":"Not a fixed day count or permission to override other law; proposal-objection provision distinct. High.","Source/pinpoint":"S021 §817."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_conditional_inference_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalactor/object/trigger,exception,consequence,sourcepinpointreconciled. Noall-claim,currentnessoractualapplicationacceptance.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C058","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C058","Actor/object/trigger → rule or required step":"Check taken for obligation → apply §3-310’s instrument-specific discharge/suspension rule.","Exception, consequence and confidence":"“Unless otherwise agreed” and instrument type matter; issuing a check not always discharge. High.","Source/pinpoint":"S022 §34.1-3-310."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_conditional_inference_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalactor/object/trigger,exception,consequence,sourcepinpointreconciled. Noall-claim,currentnessoractualapplicationacceptance.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C059","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C059","Actor/object/trigger → rule or required step":"Provisional bank credit fails to become final → chargeback/refund and final-payment provisions apply.","Exception, consequence and confidence":"Prior availability/use is not conclusive finality; bank timing/liability conditions remain. High.","Source/pinpoint":"S022 §§4-214,4-215."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_conditional_inference_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalactor/object/trigger,exception,consequence,sourcepinpointreconciled. Noall-claim,currentnessoractualapplicationacceptance.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C060","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C060","Actor/object/trigger → rule or required step":"Lawyer considers disbursement of deposit → Bar handbook distinguishes collected from available funds.","Exception, consequence and confidence":"Dated operational guidance; no invented universal clearing period or current-rule substitution. Qualified.","Source/pinpoint":"S015 p.14/index15; S022."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_conditional_inference_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalactor/object/trigger,exception,consequence,sourcepinpointreconciled. Noall-claim,currentnessoractualapplicationacceptance.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C061","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C061","Actor/object/trigger → rule or required step":"Credit counseling is substantial purpose of tax-exempt organization → §501(q) qualification rules potentially apply.","Exception, consequence and confidence":"Dated Oct7 body; no state custody/transmission authorization or actual tax-status finding. Conditional.","Source/pinpoint":"S023 §501(q)."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_conditional_inference_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalactor/object/trigger,exception,consequence,sourcepinpointreconciled. Noall-claim,currentnessoractualapplicationacceptance.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C062","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C062","Actor/object/trigger → rule or required step":"Search for universal excluded-counselor remittance/refund deadline → none established in examined Chapter14/selected transmission clauses.","Exception, consequence and confidence":"Contract, official-rule, agency/trust and other-law gaps remain; not negative-universe claim. Held.","Source/pinpoint":"S001,S002,S004 read limits."},"coordinator_verification_status":"explicit_source_application_or_reserved_scope_hold_preserved","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalboundedgap/notnegativeuniverse: insurance,forms,unusualmodel,currentness/history,bonds/fullfinancialassurance andparentremainheld.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C063","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C063","Actor/object/trigger → rule or required step":"Service withdrawal, ACH stop, account closure, creditor payment and agency termination → analyze separately.","Exception, consequence and confidence":"One instruction does not automatically accomplish every object. Legal synthesis.","Source/pinpoint":"S016,S019–S022."},"coordinator_verification_status":"conditional_cross_regime_synthesis_reconciled_partial_sources_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Separatesownership/control/serviceexit/debit/agency/creditorposting; selectedlawyer/state/RegE/TSRbodies supportconditionaldistinctions, unreopenedTrust/UCC/federal/actualfactsremainheld.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C064","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C064","Actor/object/trigger → rule or required step":"True consumer-to-creditor direct payment with no provider receipt/control → no provider custody established by that flow alone.","Exception, consequence and confidence":"Negotiation still may be prohibited; actual payment credentials/control must be examined. Conditional.","Source/pinpoint":"S001 §101(A)–(B); S002 §102; S007."},"coordinator_verification_status":"conditional_cross_regime_synthesis_reconciled_partial_sources_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Separatesownership/control/serviceexit/debit/agency/creditorposting; selectedlawyer/state/RegE/TSRbodies supportconditionaldistinctions, unreopenedTrust/UCC/federal/actualfactsremainheld.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C065","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C065","Actor/object/trigger → rule or required step":"Multiple beneficial owners share account → correct individual balances remain necessary.","Exception, consequence and confidence":"Aggregate positive balance does not establish entitlement to spend another owner’s money. High/inference.","Source/pinpoint":"S012 Rule1.15(a),(g); S021 §810."},"coordinator_verification_status":"conditional_cross_regime_synthesis_reconciled_partial_sources_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Separatesownership/control/serviceexit/debit/agency/creditorposting; selectedlawyer/state/RegE/TSRbodies supportconditionaldistinctions, unreopenedTrust/UCC/federal/actualfactsremainheld.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C066","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C066","Actor/object/trigger → rule or required step":"Official application/rule pages → establish route only.","Exception, consequence and confidence":"No application, license status, approved funds agreement or complete blank form was verified.","Source/pinpoint":"S003,S015."},"coordinator_verification_status":"explicit_source_application_or_reserved_scope_hold_preserved","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalboundedgap/notnegativeuniverse: insurance,forms,unusualmodel,currentness/history,bonds/fullfinancialassurance andparentremainheld.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C067","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C067","Actor/object/trigger → rule or required step":"Qualifying lawyer-account overdraft event → institution reports under Rule1.15(b)(1).","Exception, consequence and confidence":"Dishonored-item and honored-item reporting differ; honored report within five business days of presentation—not consumer refund timing. High.","Source/pinpoint":"S012 Rule1.15(b)(1)."},"coordinator_verification_status":"fresh_complete_current_Rule115_text_checked_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Current3757–4062unionactualread, distinctoldertext; separateamendmentorder/actualbank/earning/insurance/authorityheld.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C068","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C068","Actor/object/trigger → rule or required step":"Active in-state Wyoming practitioner → annual trust-account/no-client-funds certification under rule.","Exception, consequence and confidence":"Required fields specified in rule; actual form/status not queried. High.","Source/pinpoint":"S012 Rule1.15(i)."},"coordinator_verification_status":"fresh_complete_current_Rule115_text_checked_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Current3757–4062unionactualread, distinctoldertext; separateamendmentorder/actualbank/earning/insurance/authorityheld.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C069","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C069","Actor/object/trigger → rule or required step":"Unusual indirect-fee, creditor-funded, business-debt or remote model → preserve separate classification and nexus questions.","Exception, consequence and confidence":"No assumed fee permission, nonprofit qualification or federal exclusion. Held.","Source/pinpoint":"S001,S002,S007–S011,S023."},"coordinator_verification_status":"explicit_source_application_or_reserved_scope_hold_preserved","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalboundedgap/notnegativeuniverse: insurance,forms,unusualmodel,currentness/history,bonds/fullfinancialassurance andparentremainheld.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C070","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C070","Actor/object/trigger → rule or required step":"Currentness/history assessment → source display dates are limits, not complete current-law certificates.","Exception, consequence and confidence":"P01 historical dates/1957 act and later-law/citator universe remain open.","Source/pinpoint":"Source/read register."},"coordinator_verification_status":"explicit_source_application_or_reserved_scope_hold_preserved","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalboundedgap/notnegativeuniverse: insurance,forms,unusualmodel,currentness/history,bonds/fullfinancialassurance andparentremainheld.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C071","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C071","Actor/object/trigger → rule or required step":"Law-practice business form → current Rule10 order is effective Jan26,2026.","Exception, consequence and confidence":"Does not itself prove Chapter14 exclusion or actual funds authority. High/conditional.","Source/pinpoint":"S013 order and Rule10(a)."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_conditional_inference_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalactor/object/trigger,exception,consequence,sourcepinpointreconciled. Noall-claim,currentnessoractualapplicationacceptance.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C072","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C072","Actor/object/trigger → rule or required step":"Person instructs/debits/returns/restricts funds → actual authority and applicable account/legal conditions required.","Exception, consequence and confidence":"“Administrator,” “agent,” “trust” or “processor” title is not complete proof. Conditional synthesis.","Source/pinpoint":"S002,S007–S014,S019–S021."},"coordinator_verification_status":"conditional_cross_regime_synthesis_reconciled_partial_sources_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Separatesownership/control/serviceexit/debit/agency/creditorposting; selectedlawyer/state/RegE/TSRbodies supportconditionaldistinctions, unreopenedTrust/UCC/federal/actualfactsremainheld.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C073","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C073","Actor/object/trigger → rule or required step":"Institution receives qualifying preauthorized credit → credit as of date funds received.","Exception, consequence and confidence":"Applies to §1005.10(a)(1) transfer category; not proof of creditor posting. High.","Source/pinpoint":"S019 §1005.10(a)(3)."},"coordinator_verification_status":"fresh_selected_RegE_100510_text_checked_remaining_scope_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Actual43–94credit,authorization/copy,stopandrevocation selectedtext; c2remainingbody/definitions/otherRegEsectionsexpresslyheld, noactualcalendaroraccount.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P3-C074","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P3-C074","Actor/object/trigger → rule or required step":"Money-transmitter security/investment requirements implicated → separate bond/financial-assurance investigation remains necessary.","Exception, consequence and confidence":"This pass identifies §§106–107 gateway only; no bond, insurance, capital or insolvency completion.","Source/pinpoint":"S002 §§106–107; S004 limited read."},"coordinator_verification_status":"explicit_source_application_or_reserved_scope_hold_preserved","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalboundedgap/notnegativeuniverse: insurance,forms,unusualmodel,currentness/history,bonds/fullfinancialassurance andparentremainheld.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","actual_application_accepted":false}}],"sources":[{"source_id":"S_WY-P3-S001","urls":["https://wyoleg.gov/statutes/compress/title33.pdf"],"researcher_record":{"Source ID":"S_WY-P3-S001","Issuer/document and complete literal HTTPS URL":"Wyoming Legislature, Title 33. https://wyoleg.gov/statutes/compress/title33.pdf","Version, exact pinpoint and actual read extent":"Complete operative Chapter 14, §§33-14-101–103; PDF indices 110–111, text and images. Official retrieved compilation; precise consolidation-through date unstated. Historical enactments not reverified. \nWyoming Legislature\n+1"},"coordinator_verification_status":"explicit_dated_complete_Chapter14_body_checked_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Same-programWY2datedL3965–3997entirechapter; conditional exclusions/prohibition andboundedabsenceonly, nofreshaccess or historical/currentnesscertificate.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P3-S002","urls":["https://wyoleg.gov/statutes/compress/title40.pdf"],"researcher_record":{"Source ID":"S_WY-P3-S002","Issuer/document and complete literal HTTPS URL":"Wyoming Legislature, Title 40. https://wyoleg.gov/statutes/compress/title40.pdf","Version, exact pinpoint and actual read extent":"Selected complete relevant clauses of §§40-22-102–104, -107, -116–119; §106 security gateway only. Definitions/scope indices 294–298; §107 299–300; records/delegates 308–310. Images inspected at relevant indices. Not a full licensing/security/remedies audit. \nWyoming Legislature\n+1"},"coordinator_verification_status":"fresh_selected_official_transmission_clauses_checked_partial","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Definitions,103/104,107ab,116and118/119 selectedcompleteclauses; fixedJan1,2020referenceconfirmed, underlyinghistorical/currentfederaldefinitionunreopened;106gatewaynotfullbond/insurance/priorityaudit.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P3-S003","urls":["https://wyomingbankingdivision.wyo.gov/money-transmitters/laws-and-regulations","https://wyomingbankingdivision.wyo.gov/money-transmitters/application-forms","https://sos.wyo.gov/Rules/default.aspx","https://rules.wyo.gov/"],"researcher_record":{"Source ID":"S_WY-P3-S003","Issuer/document and complete literal HTTPS URL":"Wyoming Division of Banking, money-transmitter operational pages. https://wyomingbankingdivision.wyo.gov/money-transmitters/laws-and-regulations ; https://wyomingbankingdivision.wyo.gov/money-transmitters/application-forms","Version, exact pinpoint and actual read extent":"Selected official instructions and rule links read. Operational material, not substantive permission. Rule destinations https://sos.wyo.gov/Rules/default.aspx and https://rules.wyo.gov/ yielded no usable operative rule/adoption body. \nWyoming Banking Division\n+1"},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_and_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole originalsourcecellreconciled; nofreshbody/pixel/currentnessverification. Retainoriginalread/version/secondary/dateandapplicationlimits,includingexplicitfailedroutes.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P3-S004","urls":["https://www.law.cornell.edu/regulations/wyoming/agency-021/subagency-0004/chapter-1/021-1-Wyo-Code-R-SSSS-1-2","https://www.law.cornell.edu/regulations/wyoming/021-2-Wyo-Code-R-SS-2-5"],"researcher_record":{"Source ID":"S_WY-P3-S004","Issuer/document and complete literal HTTPS URL":"Wyoming money-transmitter regulations, reproduced by Cornell LII. https://www.law.cornell.edu/regulations/wyoming/agency-021/subagency-0004/chapter-1/021-1-Wyo-Code-R-SSSS-1-2 ; https://www.law.cornell.edu/regulations/wyoming/021-2-Wyo-Code-R-SS-2-5","Version, exact pinpoint and actual read extent":"Operative reproduced §§1-2 and 2-5 read; §1-2 unsafe/unsound definition used conditionally. §2-5 displays amendment November 16, 2021; no issuer adoption order recovered. Current official-body verification held. \nLegal Information Institute\n+1"},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_and_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole originalsourcecellreconciled; nofreshbody/pixel/currentnessverification. Retainoriginalread/version/secondary/dateandapplicationlimits,includingexplicitfailedroutes.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P3-S005","urls":["https://www.govinfo.gov/content/pkg/CFR-2019-title31-vol3/pdf/CFR-2019-title31-vol3-part1010.pdf"],"researcher_record":{"Source ID":"S_WY-P3-S005","Issuer/document and complete literal HTTPS URL":"Treasury/GPO, 2019 annual CFR, Part 1010. https://www.govinfo.gov/content/pkg/CFR-2019-title31-vol3/pdf/CFR-2019-title31-vol3-part1010.pdf","Version, exact pinpoint and actual read extent":"Historical §1010.100(ff), particularly (5) and (8); printed pp.729–732, indices 4–7; image p.731/index6. Selected historical definition read, not entire part. \nGovInfo\n+1"},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_and_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole originalsourcecellreconciled; nofreshbody/pixel/currentnessverification. Retainoriginalread/version/secondary/dateandapplicationlimits,includingexplicitfailedroutes.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P3-S006","urls":["https://www.govinfo.gov/content/pkg/CFR-2020-title31-vol3/pdf/CFR-2020-title31-vol3-part1010.pdf"],"researcher_record":{"Source ID":"S_WY-P3-S006","Issuer/document and complete literal HTTPS URL":"Treasury/GPO, 2020 annual CFR, Part 1010. https://www.govinfo.gov/content/pkg/CFR-2020-title31-vol3/pdf/CFR-2020-title31-vol3-part1010.pdf","Version, exact pinpoint and actual read extent":"Same relevant definition, printed pp.841–844, indices 4–7; image p.843/index6; amendment-history note p.847/index10. Paired historical-version check with S005, not independent corroboration. \nGovInfo\n+1"},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_and_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole originalsourcecellreconciled; nofreshbody/pixel/currentnessverification. Retainoriginalread/version/secondary/dateandapplicationlimits,includingexplicitfailedroutes.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P3-S007","urls":["https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010/subpart-A/section-1010.100","https://www.ecfr.gov/current/title-31/section-1010.100"],"researcher_record":{"Source ID":"S_WY-P3-S007","Issuer/document and complete literal HTTPS URL":"Treasury/eCFR, current §1010.100. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010/subpart-A/section-1010.100","Version, exact pinpoint and actual read extent":"Selected §1010.100(ff), especially (5), (8). Display through October 23, 2026; Title 31 last amended October 15. Current federal reading separate from Wyoming’s fixed 2020 reference. \neCFR\n+1"},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_and_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole originalsourcecellreconciled; nofreshbody/pixel/currentnessverification. Retainoriginalread/version/secondary/dateandapplicationlimits,includingexplicitfailedroutes.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P3-S008","urls":["https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/definition-money-services-business-debt"],"researcher_record":{"Source ID":"S_WY-P3-S008","Issuer/document and complete literal HTTPS URL":"FinCEN, Ruling 2004-4, November 24, 2004, DMP. https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/definition-money-services-business-debt","Version, exact pinpoint and actual read extent":"Full operative HTML ruling read. Historical §103.11 framework; fact-limited conclusion concerning transmission integral to negotiated DMP services. Not state authorization. \nFinCEN.gov"},"coordinator_verification_status":"fresh_complete_operative_formal_ruling_checked_historical_scope","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Fulloperative2004-4body; actualnegotiatedDMPintegralprocessingfacts/historical103.11; no universalexemptionorstatepermission/laterhistory.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P3-S009","urls":["https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/application-money-services-business-2","https://www.fincen.gov/system/files/administrative_ruling/FIN-2012-R004.pdf"],"researcher_record":{"Source ID":"S_WY-P3-S009","Issuer/document and complete literal HTTPS URL":"FinCEN, FIN-2012-R004, daily money management. https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/application-money-services-business-2 ; https://www.fincen.gov/system/files/administrative_ruling/FIN-2012-R004.pdf","Version, exact pinpoint and actual read extent":"Operative ruling read; PDF printed pp.1–4/indices0–3, selected images inspected. PDF says issued May 25, 2012; webpage date field says June 25. PDF issuance date retained; discrepancy not concealed. \nFinCEN.gov\n+1"},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_and_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole originalsourcecellreconciled; nofreshbody/pixel/currentnessverification. Retainoriginalread/version/secondary/dateandapplicationlimits,includingexplicitfailedroutes.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P3-S010","urls":["https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/administrative-ruling-whether-company-offers"],"researcher_record":{"Source ID":"S_WY-P3-S010","Issuer/document and complete literal HTTPS URL":"FinCEN, FIN-2013-R002, November 13, 2013, payable-through drafts. https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/administrative-ruling-whether-company-offers","Version, exact pinpoint and actual read extent":"Operative facts and analysis read: acceptance/transmission, DMP distinction and payment-processor conditions. Formal, fact-limited ruling; no state permission or comprehensive later-history certificate. \nFinCEN.gov"},"coordinator_verification_status":"fresh_complete_operative_formal_ruling_checked_fact_limits","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"2013-R002operativebody: independentadministratorDMPdistinction, fourprocessorconditions/payeeagreement; historicalfact-limitedconclusion, notactualaccountclassification.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P3-S011","urls":["https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/whether-company-offers-secured-transaction"],"researcher_record":{"Source ID":"S_WY-P3-S011","Issuer/document and complete literal HTTPS URL":"FinCEN, FIN-2014-R005, April 29, 2014, secured transaction/escrow. https://www.fincen.gov/resources/statutes-regulations/administrative-rulings/whether-company-offers-secured-transaction","Version, exact pinpoint and actual read extent":"Operative facts, integral-service analysis and conclusion read. No blanket “escrow” exemption inferred. \nFinCEN.gov"},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_and_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole originalsourcecellreconciled; nofreshbody/pixel/currentnessverification. Retainoriginalread/version/secondary/dateandapplicationlimits,includingexplicitfailedroutes.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P3-S012","urls":["https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf"],"researcher_record":{"Source ID":"S_WY-P3-S012","Issuer/document and complete literal HTTPS URL":"Wyoming Supreme Court, Professional Conduct compilation. https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf","Version, exact pinpoint and actual read extent":"Current Rule 1.15 body/comments selected in full, printed pp.66–71/indices65–70; selected Rule1.15A comment and Rule1.16(c)–(d), printed pp.74–75/indices73–74. Current body effective Sept21,2026; printed history says amended July21. Separate amendment order not recovered. Some page-image requests failed; text was read. \nWyoming Courts\n+2"},"coordinator_verification_status":"fresh_complete_current_Rule115_plus_explicit_dated_Rule116_checked","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Fullcurrent1.15union3757–4062includingcomments/history, currentheadingSept21andJuly21printedhistory; Rule1.16a–d exactdatedreuse. Separateamendmentorder/failedoriginalpixels/notwholecompilationremainheld.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P3-S013","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-P3-S013","Issuer/document and complete literal HTTPS URL":"Wyoming Supreme Court, Rule10 amendment order. https://www.wyocourts.gov/app/uploads/2025/11/Order-Amending-Rule-10-for-the-Authorized-Practice-of-Law-Effective-Jan-2026.pdf","Version, exact pinpoint and actual read extent":"Order page and relevant Rule10(a) selected; order Nov25,2025, effective Jan26,2026; order image index0. Not represented as a full five-page read in this pass. \nWyoming Courts\n+1"},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_and_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole originalsourcecellreconciled; nofreshbody/pixel/currentnessverification. Retainoriginalread/version/secondary/dateandapplicationlimits,includingexplicitfailedroutes.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P3-S014","urls":["https://www.wyocourts.gov/app/uploads/2025/01/WYOMING-RULES-OF-DISCIPLINARY-PROCEDURE-1.pdf"],"researcher_record":{"Source ID":"S_WY-P3-S014","Issuer/document and complete literal HTTPS URL":"Wyoming Supreme Court, Disciplinary Procedure compilation. https://www.wyocourts.gov/app/uploads/2025/01/WYOMING-RULES-OF-DISCIPLINARY-PROCEDURE-1.pdf","Version, exact pinpoint and actual read extent":"Selected Rule17, especially (d), printed pp.28–29/indices27–28; current Rule26(d) printed p.45/index44, not preceding superseded text. Rule26 amendment June25,2019, effective Sept1,2019. Current-linked compilation; complete later amendment history not certified. \nWyoming Courts\n+1"},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_and_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole originalsourcecellreconciled; nofreshbody/pixel/currentnessverification. Retainoriginalread/version/secondary/dateandapplicationlimits,includingexplicitfailedroutes.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P3-S015","urls":["https://www.wyomingbar.org/wp-content/uploads/Trust-Account-Handbook-4.pdf"],"researcher_record":{"Source ID":"S_WY-P3-S015","Issuer/document and complete literal HTTPS URL":"Wyoming State Bar, Trust Account Handbook. https://www.wyomingbar.org/wp-content/uploads/Trust-Account-Handbook-4.pdf","Version, exact pinpoint and actual read extent":"Selected operational guidance, including printed p.14/index15, and other selected accounting guidance. Includes an older Rule1.15 reproduction; not used as current 2026 rule text. Populated examples not adopted as required blank forms. \nWyoming State Bar"},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_and_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole originalsourcecellreconciled; nofreshbody/pixel/currentnessverification. Retainoriginalread/version/secondary/dateandapplicationlimits,includingexplicitfailedroutes.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P3-S016","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.5","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6"],"researcher_record":{"Source ID":"S_WY-P3-S016","Issuer/document and complete literal HTTPS URL":"FTC/eCFR, TSR access group. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.5 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","Version, exact pinpoint and actual read extent":"Relevant definitions, account disclosures, complete §310.4(a)(5), payment consent, selected records and exemptions. Display through Oct23,2026, Title16 last amended Oct19. Not a complete Federal Register audit through Oct27. \neCFR\n+2"},"coordinator_verification_status":"explicit_dated_complete_3104a5_body_checked_scope_currentness_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"DatedMN08nativeL115–131allfeeA–CandaccountA–E; actualreceipt7businessdays. No newPart310requestafterWY2failures; otherTSRdefinitions/coverage/consent/recordsnotfreshlychecked.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P3-S017","urls":["https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf"],"researcher_record":{"Source ID":"S_WY-P3-S017","Issuer/document and complete literal HTTPS URL":"FTC, 2010 debt-relief final rule, 75FR48458. https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf","Version, exact pinpoint and actual read extent":"Selected dedicated-account discussion, pp.48490–48491/indices32–33, images inspected, including relevant footnotes. Account-rule effective date Oct27,2010. Historical final explanation checked against current S016; not all66 pages read. \nGovInfo\n+1"},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_and_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole originalsourcecellreconciled; nofreshbody/pixel/currentnessverification. Retainoriginalread/version/secondary/dateandapplicationlimits,includingexplicitfailedroutes.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P3-S018","urls":["https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business"],"researcher_record":{"Source ID":"S_WY-P3-S018","Issuer/document and complete literal HTTPS URL":"FTC staff, Debt Relief Services and TSR Guide. https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business","Version, exact pinpoint and actual read extent":"Selected coverage/jurisdiction and attorney/nonprofit explanations. Expressly staff guidance, not binding Commission rule. Older retention discussion not used against current §310.5. \nFederal Trade Commission"},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_and_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole originalsourcecellreconciled; nofreshbody/pixel/currentnessverification. Retainoriginalread/version/secondary/dateandapplicationlimits,includingexplicitfailedroutes.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P3-S019","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1005/2/","https://www.consumerfinance.gov/rules-policy/regulations/1005/9/","https://www.consumerfinance.gov/rules-policy/regulations/1005/10/","https://www.consumerfinance.gov/rules-policy/regulations/1005/11/"],"researcher_record":{"Source ID":"S_WY-P3-S019","Issuer/document and complete literal HTTPS URL":"CFPB, Regulation E and official interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1005/2/ ; https://www.consumerfinance.gov/rules-policy/regulations/1005/9/ ; https://www.consumerfinance.gov/rules-policy/regulations/1005/10/ ; https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","Version, exact pinpoint and actual read extent":"Selected account/business-day definitions; §9(b)–(c); §10 relevant receipt, authorization and stop provisions; §11 notice/investigation/correction and exceptions. Current-labeled pages; no separately established Oct27 consolidation certificate. \nConsumer Financial Protection Bureau\n+3"},"coordinator_verification_status":"fresh_selected_100510_body_checked_remaining_RegE_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Current-labeled1005.10actual43–94: creditreceivedday,authorization/copy,selectedstop/revocationinterpretations. Returnedtextstops94; completec2/d/e,definitions,9/11unreopened.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P3-S020","urls":["https://wyoleg.gov/statutes/compress/title03.pdf"],"researcher_record":{"Source ID":"S_WY-P3-S020","Issuer/document and complete literal HTTPS URL":"Wyoming Legislature, Title3 POA Act. https://wyoleg.gov/statutes/compress/title03.pdf","Version, exact pinpoint and actual read extent":"Selected §§3-9-110, -114, -122; indices 68–72,76–77. §114 duties and accounting provisions read; relevant images inspected. No full agency/estate/POA drafting analysis. \nWyoming Legislature\n+2"},"coordinator_verification_status":"fresh_complete_110_114_selected_POA_bodies_checked_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Complete110termination/knowledgeexceptions and114duties/accounting30+30,113acceptance;122preservesotherfinanciallaw. Noactualinstrument/successor/agencyauthorityorwholeTitle3.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P3-S021","urls":["https://wyoleg.gov/statutes/compress/title04.pdf"],"researcher_record":{"Source ID":"S_WY-P3-S021","Issuer/document and complete literal HTTPS URL":"Wyoming Legislature, Title4 Trust Code. https://wyoleg.gov/statutes/compress/title04.pdf","Version, exact pinpoint and actual read extent":"Selected §§4-10-102, -105, -801, -809–810, -817; indices 3,9–10,59,64,73. Images64 and73 inspected. §813 only partly examined; no universal annual-report claim made. \nWyoming Legislature\n+2"},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_and_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole originalsourcecellreconciled; nofreshbody/pixel/currentnessverification. Retainoriginalread/version/secondary/dateandapplicationlimits,includingexplicitfailedroutes.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P3-S022","urls":["https://wyoleg.gov/statutes/compress/title34.1.pdf"],"researcher_record":{"Source ID":"S_WY-P3-S022","Issuer/document and complete literal HTTPS URL":"Wyoming Legislature, Title34.1 UCC. https://wyoleg.gov/statutes/compress/title34.1.pdf","Version, exact pinpoint and actual read extent":"Selected complete §§34.1-3-310, -4-214, -4-215; indices 146–147,190–192. Relevant images inspected. Not full ACH, wire, Regulation CC or payment-network coverage. \nWyoming Legislature\n+2"},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_and_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole originalsourcecellreconciled; nofreshbody/pixel/currentnessverification. Retainoriginalread/version/secondary/dateandapplicationlimits,includingexplicitfailedroutes.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P3-S023","urls":["https://uscode.house.gov/us/usc/119-118/t26/s501/"],"researcher_record":{"Source ID":"S_WY-P3-S023","Issuer/document and complete literal HTTPS URL":"OLRC, 26U.S.C. §501(q). https://uscode.house.gov/us/usc/119-118/t26/s501/","Version, exact pinpoint and actual read extent":"Subsection(q) operative provisions read. Page displays laws through PL119-120, Oct7,2026, despite route label. Freshly read dated body; later law unverified. Newer/preliminary routes failed. \nUS Code\n+1"},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_and_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole originalsourcecellreconciled; nofreshbody/pixel/currentnessverification. Retainoriginalread/version/secondary/dateandapplicationlimits,includingexplicitfailedroutes.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P3-S024","urls":["https://caselaw.findlaw.com/court/wy-supreme-court/1152759.html"],"researcher_record":{"Source ID":"S_WY-P3-S024","Issuer/document and complete literal HTTPS URL":"Wyoming Supreme Court, Winship v. Gem City Bone & Joint, 2008WY68,185P.3d1252, June19,2008; judicial text reproduced by FindLaw. https://caselaw.findlaw.com/court/wy-supreme-court/1152759.html","Version, exact pinpoint and actual read extent":"Material facts and majority analysis, particularly ¶¶1–7,9–28, disposition and relevant footnote. Judicial text, not publisher summary, used. No comprehensive later-history check. \nFindLaw Caselaw\n+1"},"coordinator_verification_status":"fresh_material_majority_body_checked_secondary_host_judicial_hold","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Winshipmajority63–169includingdisposition/footnotes read; validassignment/notice,no directlawyer-assigneecontract. FindLawreproduction, notissueroriginal/currentcitator/allassertedcreditorclaims.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P3-S025","urls":["https://law.justia.com/cases/wyoming/supreme-court/2005/444415.html"],"researcher_record":{"Source ID":"S_WY-P3-S025","Issuer/document and complete literal HTTPS URL":"Wyoming Supreme Court, Board of Professional Responsibility v. Davidson, 2005WY89; reproduced order. https://law.justia.com/cases/wyoming/supreme-court/2005/444415.html","Version, exact pinpoint and actual read extent":"Order only retrieved; underlying adopted report needed for detailed offset facts not recovered. Not relied on for an offset holding. Metadata/order dating discrepancy not resolved. \nJustia Law"},"coordinator_verification_status":"original_order_only_adopted_report_unavailable_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"OriginalDavidsonorder only; underlyingadoptedreportunread, nooffsetholdingfromannotation. No freshaccess/retryornewparty/casesearch.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P3-S026","urls":["https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf"],"researcher_record":{"Source ID":"S_WY-P3-S026","Issuer/document and complete literal HTTPS URL":"FTC, 2024 TSR final rule, 89FR26760. https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf","Version, exact pinpoint and actual read extent":"Dates and selected final §310.5 text, p.26760/index0, p.26784/index24, images inspected. Effective May16,2024; §310.5(a)(2) compliance Oct15,2024. Not entire27-page preamble. \nGovInfo\n+1"},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_and_application_held","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole originalsourcecellreconciled; nofreshbody/pixel/currentnessverification. Retainoriginalread/version/secondary/dateandapplicationlimits,includingexplicitfailedroutes.","evidence_folder":"reviews/S_WY3-primary-20261029-parallel","full_currentness_or_application_accepted":false}}],"coverage":[{"topic":"1—Classify actual actor/activity before funds duties","researcher_record":{"Assigned issue":"1—Classify actual actor/activity before funds duties","Status":"Answered at framework level","Findings/claims":"Chapter14 and separate funds regimes; C001–C009.","Exact missing evidence and next bounded investigation":"Actual actor, function and compensation facts remain unproved."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"1—Nonprofit/attorney exclusions","researcher_record":{"Assigned issue":"1—Nonprofit/attorney exclusions","Status":"Partial/application held","Findings/claims":"Exact exclusion wording, legal-practice and tax distinction; C002–C003,C061,C071.","Exact missing evidence and next bounded investigation":"Published construction of ambiguous exclusion terms and actual entity/function facts; no named status inquiry."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"1—Provider DMP/consumer account/direct pay/lawyer/admin flows","researcher_record":{"Assigned issue":"1—Provider DMP/consumer account/direct pay/lawyer/admin flows","Status":"Answered conditionally","Findings/claims":"Branch matrix and models; C010–C016,C021,C040,C064,C072.","Exact missing evidence and next bounded investigation":"Actual title, contracts, payment permissions and beneficial ownership."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"1—Consumer/business purpose and remote nexus","researcher_record":{"Assigned issue":"1—Consumer/business purpose and remote nexus","Status":"Partial","Findings/claims":"Explicit transmission resident-consumer provision; Chapter14 boundary held; C005–C008,C069.","Exact missing evidence and next bounded investigation":"Controlling Chapter14 territorial/business/indirect-fee interpretation."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"2—Special Chapter14 trust regime","researcher_record":{"Assigned issue":"2—Special Chapter14 trust regime","Status":"Answered, bounded","Findings/claims":"None in complete chapter; C004.","Exact missing evidence and next bounded investigation":"No inference about all fiduciary/payment law."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"2—Ownership/title/control/signatories","researcher_record":{"Assigned issue":"2—Ownership/title/control/signatories","Status":"Answered by conditional branch","Findings/claims":"Lawyer, TSR, agency/trust and transmission distinctions; C021–C028,C040,C052,C055–C056,C072.","Exact missing evidence and next bounded investigation":"Actual deposit, administrator and processor agreements."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"2—Segregation/commingling/pooling","researcher_record":{"Assigned issue":"2—Segregation/commingling/pooling","Status":"Answered for examined branches","Findings/claims":"Lawyer separation/per-client records; actual trust default; transmitter investment distinction; C017–C018,C021,C032,C056,C065.","Exact missing evidence and next bounded investigation":"Whether a nonlawyer arrangement creates an express trust or other fiduciary duty."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"2—Institution/location/interest","researcher_record":{"Assigned issue":"2—Institution/location/interest","Status":"Answered conditionally","Findings/claims":"Lawyer institution/IOLTA rules and TSR conditions; C022–C025,C040.","Exact missing evidence and next bounded investigation":"Actual institution eligibility, account product and earned-interest records."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"2—Insurance/pass-through/creditor protection","researcher_record":{"Assigned issue":"2—Insurance/pass-through/creditor protection","Status":"Unresolved and separately reserved","Findings/claims":"No label-based conclusion; C046,C074.","Exact missing evidence and next bounded investigation":"Deposit-insurance rules and records, ownership category, tracing and insolvency law in later pass."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"3—Deposit and creditor-remittance timing","researcher_record":{"Assigned issue":"3—Deposit and creditor-remittance timing","Status":"Partial","Findings/claims":"Intact lawyer deposits; prompt delivery; delegate contract timing; C015,C026,C030,C062.","Exact missing evidence and next bounded investigation":"Complete current official regulations, actual contract and payment-system deadlines."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"3—Cleared/final/available/posted funds","researcher_record":{"Assigned issue":"3—Cleared/final/available/posted funds","Status":"Answered for examined check/bank rules","Findings/claims":"C058–C060,C073.","Exact missing evidence and next bounded investigation":"Actual instrument/rail, settlement status, bank agreement and creditor posting."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"3—Error/unaccepted payments","researcher_record":{"Assigned issue":"3—Error/unaccepted payments","Status":"Partial","Findings/claims":"UCC chargeback and conditional Regulation E error process; C050,C058–C059.","Exact missing evidence and next bounded investigation":"Full ACH/network, wire, commercial-transfer and creditor-posting rules."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"3—Allocation/accounting/reconciliation","researcher_record":{"Assigned issue":"3—Allocation/accounting/reconciliation","Status":"Answered for identified regimes","Findings/claims":"Lawyer client ledgers/quarterly; transmitter monthly ledger; trust/POA records; C016,C030–C032,C052–C056,C065.","Exact missing evidence and next bounded investigation":"Nonprofit contract/common-law duties outside established statutory branches."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"3—Retention and consumer access","researcher_record":{"Assigned issue":"3—Retention and consumer access","Status":"Answered with branch limits","Findings/claims":"Lawyer five years after termination; transmitter five years; TSR five years; RegE statements; C016,C032,C045,C051,C053.","Exact missing evidence and next bounded investigation":"Actual records; other overlapping retention or litigation-preservation duties not completed."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"4—Service cancellation/withdrawal","researcher_record":{"Assigned issue":"4—Service cancellation/withdrawal","Status":"Answered conditionally","Findings/claims":"Actual receipt within TSR seven business days; C039–C042.","Exact missing evidence and next bounded investigation":"Actual scope, request, lawful earning, balance and business-day calendar."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"4—Plan failure or administrator failure","researcher_record":{"Assigned issue":"4—Plan failure or administrator failure","Status":"Partial","Findings/claims":"No automatic conversion of customer funds into fees; existing return/ownership duties identified.","Exact missing evidence and next bounded investigation":"Failure-specific remedies, insolvency, tracing, security and recovery procedures remain later work."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"4—Disputed fees and offsets","researcher_record":{"Assigned issue":"4—Disputed fees and offsets","Status":"Answered at professional-rule level","Findings/claims":"Preserve dispute; distribute undisputed; C029–C031.","Exact missing evidence and next bounded investigation":"Actual earning and resolution; broader offset/common-law remedies and Davidson report remain held."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"4—Historical contributions/prior creditor payments/prior fees","researcher_record":{"Assigned issue":"4—Historical contributions/prior creditor payments/prior fees","Status":"Answered through models","Findings/claims":"Same-balance conservation, no double deduction; C041–C043,C063–C065.","Exact missing evidence and next bounded investigation":"Actual ledgers and lawful entitlement not examined."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"4—Death/disappearance","researcher_record":{"Assigned issue":"4—Death/disappearance","Status":"Partial","Findings/claims":"POA termination; professional protective appointment; C034,C037,C054.","Exact missing evidence and next bounded investigation":"Actual successor/estate authority and any court order; full succession/estate law excluded."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"4—Account closure versus ACH revocation versus service exit","researcher_record":{"Assigned issue":"4—Account closure versus ACH revocation versus service exit","Status":"Answered, bounded","Findings/claims":"C048–C049,C063.","Exact missing evidence and next bounded investigation":"Actual bank/administrator procedures and contractual effects."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"5—Current Rule1.15 operative text","researcher_record":{"Assigned issue":"5—Current Rule1.15 operative text","Status":"Answered","Findings/claims":"Sept21,2026 body freshly read; C020–C035.","Exact missing evidence and next bounded investigation":"Complete independent currentness certificate not obtained."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"5—Exact Rule1.15 amendment order","researcher_record":{"Assigned issue":"5—Exact Rule1.15 amendment order","Status":"Unresolved source requirement","Findings/claims":"Printed July21 amendment history read.","Exact missing evidence and next bounded investigation":"Recover separate final order through an accessible official public route; no guessed document treated as read."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"5—Rule10 entity order","researcher_record":{"Assigned issue":"5—Rule10 entity order","Status":"Answered at relevant selected scope","Findings/claims":"Jan26,2026 effective order; C071.","Exact missing evidence and next bounded investigation":"Actual entity/legal-practice predicate remains unproved."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"5—Safekeeping/accounting/delivery/records","researcher_record":{"Assigned issue":"5—Safekeeping/accounting/delivery/records","Status":"Answered","Findings/claims":"C021–C035,C065,C067–C068.","Exact missing evidence and next bounded investigation":"Actual compliance and bank evidence not examined."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"5—Custodian/protective counsel/freeze","researcher_record":{"Assigned issue":"5—Custodian/protective counsel/freeze","Status":"Answered at rule level","Findings/claims":"Rules17(d),26(d); C036–C037.","Exact missing evidence and next bounded investigation":"Specific court-appointed authority and actual order never queried."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"5—Nonprofit §501(q)","researcher_record":{"Assigned issue":"5—Nonprofit §501(q)","Status":"Partial/currentness-limited","Findings/claims":"Fresh Oct7 body; tax rules distinguished; C061.","Exact missing evidence and next bounded investigation":"Later statutory changes after displayed cutoff and actual tax/function facts."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"5—Unusual indirect/creditor-funded/business model","researcher_record":{"Assigned issue":"5—Unusual indirect/creditor-funded/business model","Status":"Held","Findings/claims":"C005,C069.","Exact missing evidence and next bounded investigation":"Exact activity, fee source, purpose and controlling interpretation."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"6—Money-transmitter statutory gate","researcher_record":{"Assigned issue":"6—Money-transmitter statutory gate","Status":"Answered conditionally","Findings/claims":"Definitions, nexus, exemptions, delegate rules; C006–C018.","Exact missing evidence and next bounded investigation":"Actual transaction/control and exemption facts; no license-status inquiry."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"6—Fixed2020 federal definition","researcher_record":{"Assigned issue":"6—Fixed2020 federal definition","Status":"Substantially answered with route qualification","Findings/claims":"Official2019/2020 editions bracket matching text; C008–C009.","Exact missing evidence and next bounded investigation":"Exact Jan1 online route failed; no false successful-fetch claim."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"6—Current Wyoming regulations/adoption","researcher_record":{"Assigned issue":"6—Current Wyoming regulations/adoption","Status":"Partial","Findings/claims":"Reproduced relevant text inspected; C019.","Exact missing evidence and next bounded investigation":"Official operative rule package and adoption orders inaccessible through examined routes."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"6—Payee agent/payment processor/integral service","researcher_record":{"Assigned issue":"6—Payee agent/payment processor/integral service","Status":"Answered through formal interpretations","Findings/claims":"C009–C013.","Exact missing evidence and next bounded investigation":"Actual creditor agreements, clearing system, business activities and receipt/control."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"6—Licensing/security gateway only","researcher_record":{"Assigned issue":"6—Licensing/security gateway only","Status":"Answered within limit","Findings/claims":"C014,C017–C019,C066,C074.","Exact missing evidence and next bounded investigation":"Full license/bond/capital/insurance/receivership pass expressly separate."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"6—Generic official instructions/blank forms","researcher_record":{"Assigned issue":"6—Generic official instructions/blank forms","Status":"Partial","Findings/claims":"Application route and handbook examined; no required completed blank form adopted.","Exact missing evidence and next bounded investigation":"Current generic trust certification or specific mandatory account form not recovered/read; no invented approved form."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"7—Published Wyoming opinion","researcher_record":{"Assigned issue":"7—Published Wyoming opinion","Status":"Answered source-limited","Findings/claims":"Winship actual majority; C038.","Exact missing evidence and next bounded investigation":"Comprehensive later history and additional responsive cases."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"7—Material federal interpretation","researcher_record":{"Assigned issue":"7—Material federal interpretation","Status":"Answered source-limited","Findings/claims":"Four formal FinCEN rulings plus FTC rulemaking.","Exact missing evidence and next bounded investigation":"Comprehensive supersession/later-ruling audit; no federal appellate holding established."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"7—Unavailable case body","researcher_record":{"Assigned issue":"7—Unavailable case body","Status":"Held","Findings/claims":"Davidson underlying report not used.","Exact missing evidence and next bounded investigation":"Recover complete adopted report before factual/holding-level reliance."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"8—Four cash-flow models","researcher_record":{"Assigned issue":"8—Four cash-flow models","Status":"Answered","Findings/claims":"Four complete models, conditional legal steps and missing evidence visible.","Exact missing evidence and next bounded investigation":"No real-world permission, earning, account status or insurance inferred."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"8—Direct pay and insufficient performance","researcher_record":{"Assigned issue":"8—Direct pay and insufficient performance","Status":"Answered","Findings/claims":"Model2, Model4B and smaller postures.","Exact missing evidence and next bounded investigation":"Actual control/performance facts remain held."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"8—Calendar/holiday precision","researcher_record":{"Assigned issue":"8—Calendar/holiday precision","Status":"Intentionally held","Findings/claims":"Time units stated; no real date computed.","Exact missing evidence and next bounded investigation":"Applicable business-day definitions and authoritative holiday calendar needed for a real deadline."},"raw_table_index":12,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"Full bonds, insurance, capital and financial assurance","researcher_record":{"Remaining family":"Full bonds, insurance, capital and financial assurance","Preserved boundary":"Only funds-related statutory gateway identified; no complete calculation, claim procedure or adequacy determination."},"raw_table_index":13,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"Insolvency, receivership, tracing and priority","researcher_record":{"Remaining family":"Insolvency, receivership, tracing and priority","Preserved boundary":"Bankruptcy-triggered statutory text identified, not complete enforceability or priority analysis."},"raw_table_index":13,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"Remedies, UDAP, restitution and causes of action","researcher_record":{"Remaining family":"Remedies, UDAP, restitution and causes of action","Preserved boundary":"Not completed; only consequences necessary to explain funds duties discussed."},"raw_table_index":13,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"Agreements and fees","researcher_record":{"Remaining family":"Agreements and fees","Preserved boundary":"No P02 adoption and no new full agreement/fee pass; narrow earning/authority predicates freshly checked only."},"raw_table_index":13,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"Collection, litigation, limitation periods, garnishment","researcher_record":{"Remaining family":"Collection, litigation, limitation periods, garnishment","Preserved boundary":"Remain open; Winship used only for assigned proceeds/funds entitlement."},"raw_table_index":13,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"Secured and sector-specific debt","researcher_record":{"Remaining family":"Secured and sector-specific debt","Preserved boundary":"Remain open; no mortgage, tax, student-loan or other sector acceptance."},"raw_table_index":13,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"Local, tribal and other-country law","researcher_record":{"Remaining family":"Local, tribal and other-country law","Preserved boundary":"Remain open; no territorial or foreign-payment completion."},"raw_table_index":13,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"Named provider/account/status","researcher_record":{"Remaining family":"Named provider/account/status","Preserved boundary":"No inquiry or finding."},"raw_table_index":13,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"Historical enactments","researcher_record":{"Remaining family":"Historical enactments","Preserved boundary":"P01 C028 dates remain unverified here;1957 act remains unread."},"raw_table_index":13,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"State parent/A066/operations/publication","researcher_record":{"Remaining family":"State parent/A066/operations/publication","Preserved boundary":"No acceptance, authorization, operational implementation or publication readiness implied."},"raw_table_index":13,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:02:47.717196+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"S_WY-P3-SCOPED","status":"reviewed_scoped_partial_with_holds","at":null}]}