{"meta":{"key":"s_wy--pass-04","task":"S_WY","title":"Provider financial assurance, bonds, fiduciary safeguards, and failure-claim priority","parent_title":"Wyoming debt and debt relief law","edition":"pass-04","path":"/research/s_wy--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":14,"claims":71,"sources":27,"review_status":"reviewed_scoped_partial_with_holds","review_complete":true,"sha256":"e8329cf1f4394da6117fded73e21ff0728793b31cd0abe57e63cdb9cfafcc1ad","headings":["Provider financial assurance, bonds, fiduciary safeguards, and failure-claim priority","1. Which branches actually carry financial-assurance requirements?","1.1 Classification remains the first gate","Branch matrix","1.2 Professional form is not financial assurance","2. Authenticated security instruments: amount, parties, maintenance, and cancellation","2.1 Collection-agency bond or cash substitute","2.2 Money-transmitter security, net worth, and investments","2.3 Sandbox bond","2.4 Federal bankruptcy-counseling agency security","2.5 Trustee bond","3. Who may claim, what loss is covered, and which clocks apply?","Security-specific claim comparison","4. Property, shortfalls, insolvency, and priority","4.1 Separate the assets before discussing priority","4.2 Federal bankruptcy prevents an automatic “trust means first paid” conclusion","4.3 Nonprofit dissolution is not automatic distribution to clients","4.4 A limited consumer-deposit priority may exist—but not for every program balance","5. Attorney safeguards, insurance, and the Client Protection Fund","5.1 Professional safeguards are not insurance","5.2 Fund eligibility and exclusions","5.3 The $15,000 number is not an absolute cap","5.4 Later recoveries and Fund reimbursement","5.5 Insurance-failure and deposit-insurance limits","6. Public forms, electronic procedures, and authenticated limits","6.1 Procedure established without an account","6.2 Complete public blank form actually examined","C1. State security instruments","C2. Federal nonprofit and professional security","C3. Fund, insolvency, insurance and procedure","Model 1 — Collector bond versus prohibited debtor-side adjuster","Branch A: creditor-side collector","Branch B: debtor-side adjustment company","Model 2 — Two eligible collector claimants after prior bond payments","Model 3 — Lawyer-owned assets versus client shortfall and Fund eligibility","Eligibility branch","Failure branches","Model 4 — Nonprofit insolvency with mixed and missing property","Proven-property branch","Unproved-property branch","Separate service-deposit subexample","Model 5 — Transmitter security, capital and investments are separate","Model 6 — Federal nonprofit security and a conditional state credit","Additional failure postures","Separate preserved holds","H1. Material failed or limited routes","H2. Actual read and currentness limits","Final 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-04","facets":{"geography":["us","us-wy"],"debt_type":[],"stage":[],"subject":["budget-priorities","provider-security"]},"scope":"Reviewed remaining security/bond/financial-assurance/failure-priority component; not P01access/fees, P02agreements or P03custody/remittance rerun","pending_corrections":0},"markdown":"# SettleADebt — S_WY PASS-04\n\n## Provider financial assurance, bonds, fiduciary safeguards, and failure-claim priority\n\n**Actual fresh source-access date:** **October 27, 2026, Pacific.**\n**Historical baseline:** October 22, 2026—not a current-verification date.\n\n**Scope:** This report addresses the security and failure-priority remainder only. P02 and P03 are not adopted as verified foundations. Necessary ownership, professional-rule, and money-transmission interfaces were freshly examined; their broader agreement, custody, remittance, and operational investigations are not repeated or accepted here.\n\n**Result:** Several distinct protection regimes were authenticated, but **no generic Wyoming debt-settlement bond** was established. The collector bond, money-transmitter security, sandbox bond, conditional federal credit-counseling security, trustee bond, and discretionary Client Protection Fund protect different interests under different conditions. None independently authorizes otherwise prohibited debt adjustment.\n\nIn the findings, **S001** means **S_WY-P4-S001**, and **C001** means **S_WY-P4-C001**. Full identifiers appear in the registers.\n\n# A. Substantive findings\n\n## 1. Which branches actually carry financial-assurance requirements?\n\n### 1.1 Classification remains the first gate\n\nFresh inspection of the complete Chapter 14 confirms the reviewed foundation: covered, nonexcluded fee-based debt adjustment remains prohibited. The chapter’s conditional nonprofit and attorney exclusions do not themselves prescribe a bond, minimum capital, insurance policy, reserve, or consumer-compensation fund. That is a statement about **this chapter’s text**, not an exemption from every other applicable law. **C001–C002; S001.** [Wyoming Legislature+1](https://wyoleg.gov/statutes/compress/title33.pdf)\n\nA collector acting for a creditor is not interchangeable with a consumer-retained settlement advisor. Chapter 11’s definitions and exclusions—including its business-debt treatment—remain in that chapter’s context. A collection license or bond cannot be used as debtor-side settlement permission. **C003.** [Wyoming Legislature+1](https://wyoleg.gov/statutes/compress/title33.pdf)\n\n### Branch matrix\n\n| Actual branch | Authenticated security or safeguard | What it does **not** establish |\n| --- | --- | --- |\n| Covered, nonexcluded debtor-side fee-based adjustment | No Chapter 14 bond-based authorization; prohibition remains | Buying a bond cannot legalize the business |\n| Actual Chapter 14-excluded nonprofit counseling service | No special Chapter 14 security schedule; other applicable regimes must be tested | Nonprofit incorporation or tax terminology alone does not establish exclusion, solvency, insurance, or federal approval |\n| Creditor-side collection agency subject to Chapter 11 | $10,000 statutory bond or $10,000 cash substitute; financial-soundness submission; conditional trust-account safeguards | Protection for every debtor, every misconduct claim, or every office under an assumed blanket instrument |\n| Money transmitter subject to Chapter 22 | Net-worth requirement; calculated security; permissible-investment requirement, subject to statutory waiver | Debt-adjustment authority, individual account insurance, or guaranteed recovery |\n| Authorized sandbox participant | Risk-based consumer-protection bond of at least $10,000 | Waiver of Chapter 14, state endorsement, or state liability for losses |\n| Nonprofit agency within the federal bankruptcy-counseling approval regime that offers or has offered repayment plans | Federal surety and employee-bond/fidelity requirements, conditional credits, audit and continuing-resource requirements | A universal requirement for all nonprofits or Wyoming authorization |\n| Lawyer or qualifying legal-practice entity | Current professional safekeeping controls; personal responsibility for professional acts; conditional Client Protection Fund | Mandatory universal malpractice coverage or an enforceable right to Fund payment |\n| Actual trustee of a covered trust | Bond when required by trust terms or court under §4-10-702; court controls amount and conditions | Automatic bonding of every account called “trust” |\n| Provider’s private insurance | Whatever an applicable, valid policy actually covers | Coverage inferred from a certificate, professional title, or statutory bond |\n\n**Claims:** C001–C045, C049–C058. [Wyoming Legislature+4](https://wyoleg.gov/statutes/compress/title33.pdf)\n\n### 1.2 Professional form is not financial assurance\n\nThe January 26, 2026 Rule 10 amendment preserves lawyers’ responsibility for their own professional activities in the permitted professional forms. It does not establish a fixed professional bond, minimum insurance limit, or universal capital reserve. The employee-benefit language allowing health, accident, insurance, or welfare plans is not a professional-liability insurance mandate. **C044; S010.** [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\nNo universal malpractice or fidelity-insurance requirement was authenticated in the selected professional authorities. That bounded finding must not be expanded into “Wyoming never requires insurance for any lawyer, fiduciary, entity, contract, or court-appointed role.”\n\n## 2. Authenticated security instruments: amount, parties, maintenance, and cancellation\n\n### 2.1 Collection-agency bond or cash substitute\n\nUnder W.S. §33-11-108:\n\n| Element | Statutory result |\n| --- | --- |\n| Principal | Applicant/licensee |\n| Surety | Company licensed and authorized to do business in Wyoming |\n| Obligee/protected parties | State of Wyoming and qualifying claimants |\n| Protected transaction | Debts placed with the licensee for collection |\n| Covered obligation | Turning over collected proceeds, less collection charges authorized by the claimant’s agreement |\n| Amount | **$10,000** |\n| Alternative | **$10,000 cash deposited with the State Treasurer** |\n| Filing trigger | Within **20 days after notification of application approval** |\n| Approval | Board and Attorney General approval of the bond |\n| Execution | Applicant executes and acknowledges as principal |\n| Maintenance | Security must thereafter be maintained |\n| Aggregate | Surety liability for all claims under the bond cannot exceed its penalty |\n| Replacement | Following the specified withdrawal/revocation notice, new satisfactory bond within **30 days from notification** or operating right terminates |\n\nThese are security amounts and procedural periods—not consumer-fee allowances, government filing charges, or promised recoveries. **C004–C012; S001, §§33-11-107–109.** [Wyoming Legislature](https://wyoleg.gov/statutes/compress/title33.pdf)\n\nEach office must be separately licensed, and the reproduced branch rule applies the chapter’s licensing requirements to branches. Nevertheless, without the authenticated bond form and actual instrument language, this report does not assume that a single blanket instrument supplies separate $10,000 limits for every location or that renewal creates a fresh aggregate automatically. **C013.** [Wyoming Legislature+1](https://wyoleg.gov/statutes/compress/title33.pdf)\n\nThe statute requires financial soundness but does not state a numerical net-worth floor in §33-11-107(b). The reproduced rule requires the prescribed financial statement and rejects statements more than six months old. **C004, C015.** [Wyoming Legislature+1](https://wyoleg.gov/statutes/compress/title33.pdf)\n\nThe reproduced trust-account rule requires sufficient funds for sums due clients and includes a narrowly stated exception for a business engaged solely in debt buying, with the required attestations. That exception is not an independently established exemption from the bond. **C014.** [Legal Information Institute](https://www.law.cornell.edu/regulations/wyoming/031-2-Wyo-Code-R-SS-2-4)\n\n### 2.2 Money-transmitter security, net worth, and investments\n\nThis is a **separate conditional activity-based regime**. A Chapter 14 exclusion does not prove a Chapter 22 exemption.\n\nUnder §§40-22-105–107:\n\n- Net worth must be at least **$25,000**, determined under generally accepted accounting principles.\n- Security may be a surety bond, irrevocable letter of credit, or other acceptable device.\n- The statutory amount is the greater of **$10,000** or **2.5 times outstanding payment instruments**, capped at **$500,000**. The commissioner may increase the requirement up to that maximum on the stated impaired-financial-condition grounds.\n- The reproduced renewal rule uses the preceding July 1–June 30 **average daily balance of outstanding payment instruments for Wyoming residents**. That annual regulatory measurement must not be silently substituted for, or confused with, the statute’s broader definition.\n- Separate permissible investments must generally cover the face amount of outstanding instruments issued or sold in the United States, unless the commissioner grants the express statutory waiver.\n\n**C017–C020, C025; S005–S007.** [Wyoming Legislature+1](https://wyoleg.gov/statutes/compress/title40.pdf)\n\nThe security runs to the state for claimants and secures faithful receipt, handling, transmission, and payment obligations. For a surety bond, aggregate liability cannot exceed the principal sum. The statute permits direct claimant suit or commissioner suit on claimants’ behalf. It does **not** impose the collector bond’s Board-notice/30-day waiting procedure. **C021.** [Wyoming Legislature](https://wyoleg.gov/statutes/compress/title40.pdf)\n\nPermitted substitute deposits are valued at the lower of principal amount or market value and secure the same obligations. The depositor retains the stated interest/dividend rights; substitutions require approval or may be ordered for good cause. **C022.** [Wyoming Legislature](https://wyoleg.gov/statutes/compress/title40.pdf)\n\nCancellation requires **30 days’ prior written notice to the commissioner** and does not eliminate liability incurred or accrued during that period. Section 106(d) says security remains in place **“no longer than” five years** after cessation, with possible earlier reduction, elimination, or substitution under the stated conditions. It is not a five-year minimum and is not itself a five-year claim limitation. **C023–C024.** [Wyoming Legislature](https://wyoleg.gov/statutes/compress/title40.pdf)\n\n### 2.3 Sandbox bond\n\nSection 40-29-104(h) requires an authorized participant’s consumer-protection bond of at least **$10,000**, with the actual amount based on risk and subject to adjustment. Unless enforced under §109(b)(ii), the bond is to cancel or expire two years after the end of participation. Section 109 provides regulator enforcement to offset consumer losses and associated administrative process. **C027–C029.** [Wyoming Legislature+2](https://wyoleg.gov/statutes/compress/title40.pdf)\n\nThe examined provisions did not establish a consumer’s standalone direct bond action, a universal claim-allocation formula, a qualifying issuer specification, or complete bond-form language. Those remain instrument/procedure gaps. The sandbox’s waiver list and retained criminal/consumer-law obligations also prevent treating the bond or application as Chapter 14 permission. **C030.** [Wyoming Legislature](https://wyoleg.gov/statutes/compress/title40.pdf)\n\n### 2.4 Federal bankruptcy-counseling agency security\n\nA materially different branch arises under **11 U.S.C. §111 and 28 C.F.R. Part 58**. It concerns the defined nonprofit applicant/approved agency—not every nonprofit counselor. Section 58.23 applies where that agency offers or has offered debt repayment plans. **C031.** [US Code+1](https://uscode.house.gov/us/usc/119-124/t11/s111/)\n\nLet:\n\n- D12 = qualifying disbursements during the 12 months before application;\n- A6 = qualifying average daily trust-account balance during the preceding six months.\n\nThe required calculations are:\n\nInitial surety amount B0 = max($5,000, min(0.02 × D12, A6))\n\nInitial employee-bond/fidelity amount F0 = max($5,000, 0.50 × B0)\n\nThe fidelity calculation uses the surety amount **before** any state-security offset. Geography, attribution, eligible credits, and actual instrument conditions matter. **C033–C036.** [GovInfo+1](https://www.govinfo.gov/content/pkg/FR-2013-03-14/pdf/2013-04361.pdf)\n\nA state-security credit is conditional on qualifying security obtained under the relevant state licensing requirements, protecting the agency’s clients, and written in favor of the state or appropriate agency. A collector bond protecting creditors who placed debts is not automatically a qualifying credit for debtor-client protection. **C034.** [GovInfo](https://www.govinfo.gov/content/pkg/FR-2013-03-14/pdf/2013-04361.pdf)\n\nThe contractor provisions are also specific. A contractor must satisfy the approved-agency/coverage/own-bond alternatives and required audit access, subject to the stated exceptions. For the specified contractor holding transmission funds **five days or less**, the prescribed own-bond amount is **$500,000**. The electronic-transfer exception requires the exact stated conditions, including the specified ACH-system authorization; “payment processor” is not enough. **C037.** [GovInfo+1](https://www.govinfo.gov/content/pkg/FR-2013-03-14/pdf/2013-04361.pdf)\n\nPrior U.S. Trustee approval is required for cancellation or amount changes in the surety or employee fidelity security. Stopping new plans does not automatically end protection for existing plans. A waiver may be sought under the written-transfer/60-day/client-notice conditions or the separate undue-hardship determination. **C038–C039.** [eCFR+1](https://www.ecfr.gov/current/title-28/chapter-I/part-58/section-58.18)\n\nThe regulations and instructions establish security requirements, but no complete authenticated generic bond instrument was recovered establishing every consumer’s direct-action right, issuer condition, claim notice, aggregate renewal treatment, or contractual defense. Those details remain held. **C040.**\n\n### 2.5 Trustee bond\n\nFor an actual trust within the Wyoming Trust Code, §4-10-702 requires a bond only when the court finds it necessary to protect beneficiaries or the trust terms require it and the court has not dispensed with it. The court controls the amount, liabilities, sureties, modification, and termination. A regulated financial institution qualified to do trust business has the stated exception unless trust terms require a bond. **C045.** [Wyoming Legislature](https://wyoleg.gov/statutes/compress/title04.pdf)\n\nTrustee resignation does not itself discharge prior trustee or surety liability. No universal dollar limit, cancellation form, or bond-claim deadline follows from the mere existence of a trust account. **C046.** [Wyoming Legislature](https://wyoleg.gov/statutes/compress/title04.pdf)\n\n## 3. Who may claim, what loss is covered, and which clocks apply?\n\n### Security-specific claim comparison\n\n| Protection | Potential claimant/covered interest | Prerequisite and clock established | Aggregate/defense limits |\n| --- | --- | --- | --- |\n| Collector bond | Party placing debt for collection; unpaid collected proceeds less agreed collection charges | Present claim to Board; Board notifies surety; suit permitted if unpaid/unsettled **30 days after Board notice**. Bond action barred **two years after license revocation or expiration**, subject to timely commenced actions | $10,000 penalty aggregate; instrument, period, prior payments, renewal interaction and other defenses require examination |\n| Collector cash substitute | Statutory substitute securing licensing requirement | Cash is authenticated, but complete payout/interpleader procedure was not recovered | Do not automatically import surety-only wording or invent cash distribution priority |\n| Money-transmitter security | Claimant within secured receipt/handling/transmission/payment obligations | Direct suit or commissioner suit; no collector waiting rule imported | Bond aggregate capped at principal; other devices depend on their terms; cancellation/tail is not an invented limitations period |\n| Sandbox bond | Consumer losses within authorized program and statutory enforcement | Regulator may enforce; complete private claim procedure not established | Actual bond amount, scope, enforcement and remaining proceeds required |\n| Federal approved-agency surety/fidelity | Protected clients and risks defined by applicable regulations and instrument | Prior approval for cancellation/amount changes; direct consumer claim procedure not established from examined clauses | State credits, fidelity deductible, contractor alternatives and actual policy/bond terms |\n| Trustee bond | Beneficiaries/protected interests under trust, order and bond | Actual trust/order/bond controls; no generic numerical clock established here | Court-specified amount, liabilities and sureties; resignation does not erase prior liability |\n| Client Protection Fund | Eligible claimant suffering defined lawyer dishonesty in lawyer-client relationship | **Four years after knew or should have known**; sworn claim; **30-day written reconsideration** provision | Discretionary; exclusions; $15,000 annual approval threshold; no automatic entitlement |\n| Private insurance | Insured/beneficiary or other claimant with applicable rights | Policy-specific notice, claim-made/occurrence, reporting, exhaustion and suit terms | Deductible, aggregate, exclusions, insured identity and defenses unexamined |\n\n**Claims:** C008–C012, C021–C024, C029, C040, C045–C058. [Wyoming Legislature+3](https://wyoleg.gov/statutes/compress/title33.pdf)\n\nWhere a statute says **“days”**, this report preserves that wording. It does not silently convert the period to business days or supply a holiday-extension rule.\n\nThe collector’s two-year period is keyed to **license revocation or expiration**, not discovery of loss, the debtor’s payment, or a generic bond-cancellation date. The effect of uninterrupted annual renewal or replacement on a particular instrument’s coverage period remains a contract/interpretation hold. **C011–C013.** [Wyoming Legislature](https://wyoleg.gov/statutes/compress/title33.pdf)\n\nNo examined collector provision prescribes first-come-first-paid treatment or mandatory pro-rata distribution when eligible losses exceed the remaining penalty. Arithmetic can establish maximum remaining exposure, not the allocation rule.\n\n## 4. Property, shortfalls, insolvency, and priority\n\n### 4.1 Separate the assets before discussing priority\n\n| Asset or claim | Necessary legal inquiry |\n| --- | --- |\n| Provider’s general assets | Ownership, secured claims, insolvency forum, allowed claims and applicable priority |\n| Identifiable client-owned/trust property | Valid ownership/trust relationship, governing law, actual property and tracing |\n| Commingled fund | Respective interests, records, withdrawals, replenishments and applicable tracing principles |\n| Missing client money | Personal claim against responsible parties; possible bond, insurance or Fund claim only if independently eligible |\n| Bond proceeds | Protected claimant, covered breach, instrument period, remaining penalty and enforcement process |\n| Insurance proceeds | Insured risk, claimant rights, exclusions, deductible, limits and actual policy terms |\n| Client Protection Fund payment | Discretionary reimbursement, not ownership of a preexisting insured fund or guaranteed debt |\n| Statutory permissible investments | State statutory protection plus federal bankruptcy/avoidance analysis where applicable |\n\nWyoming §4-10-509 states that trust property is not subject to the trustee’s personal obligations, even upon insolvency or bankruptcy. But application requires an actual trust and identified trust property; an account label alone supplies neither. The Code’s recordkeeping and separation rules support proof but do not cure missing assets. **C047–C048.** [Wyoming Legislature+2](https://wyoleg.gov/statutes/compress/title04.pdf)\n\n### 4.2 Federal bankruptcy prevents an automatic “trust means first paid” conclusion\n\nSection 541(a) generally brings the debtor’s legal and equitable interests into the estate. Section 541(d) distinguishes property in which the debtor holds only legal title from equitable interests belonging to another. Section 544 supplies separate avoidance powers. These provisions require analysis of the actual interest and applicable law; they do not permit a provider to select a priority simply by naming an account “trust.” **C059–C060.** [US Code+1](https://uscode.house.gov/us/usc/119-124/t11/s541/)\n\nThe Wyoming money-transmitter investment trust arises by statutory wording **in the event of bankruptcy**. Its interaction with federal estate, bankruptcy-triggered modification, and avoidance rules is a specific unresolved legal issue in this pass. No controlling decision validating or invalidating that particular Wyoming provision was located and read. **C026, C060.**\n\nTwo examined published opinions reinforce the distinction:\n\n- **Butner** requires state-law property analysis absent a controlling federal reason for a different result; it does not itself determine Wyoming client-fund ownership.\n- **Foster** rejects use of a tracing fiction without considering similarly situated fraud victims. It does not establish a universal prohibition on constructive trusts or a universal allocation formula.\n\n**C064–C065; case table below.** [GovInfo+2](https://www.govinfo.gov/content/pkg/USREPORTS-440/pdf/USREPORTS-440-48.pdf)\n\n### 4.3 Nonprofit dissolution is not automatic distribution to clients\n\nSection 17-19-1406 directs winding up, provision for liabilities, return of conditionally held assets, and legally/contractually compliant distribution. Dissolution does **not itself transfer title**. It therefore does not automatically turn general nonprofit assets into client trust property or erase creditor claims. **C061.** [Wyoming Legislature+1](https://wyoleg.gov/statutes/compress/title17.pdf)\n\nThe separate known/unknown-claim dissolution procedures were inspected only as an interface. They are not converted here into a universal deadline for all bond, trust, insurance, or bankruptcy claims.\n\n### 4.4 A limited consumer-deposit priority may exist—but not for every program balance\n\nSection 507(a)(7) addresses qualifying unsecured claims of individuals arising from prepetition deposits for personal/family/household property or services not delivered or provided. The authenticated adjusted ceiling is **$3,800**, applicable to cases commenced on or after **April 1, 2025**. It is a priority ceiling, not a guaranteed payment or universal cap on the underlying claim. **C062.** [US Code+1](https://uscode.house.gov/us/usc/119-124/t11/s507/)\n\nMoney held solely for creditor payment is not automatically a purchase deposit for the provider’s unperformed services. Nor should the same money simultaneously be treated as proven third-party property outside the estate and as a fully duplicative estate claim.\n\nSection 726’s Chapter 7 distribution and within-class rules apply to that federal distribution context. They do not establish a pro-rata collector-bond rule. **C063.** [US Code](https://uscode.house.gov/us/usc/119-124/t11/s726/)\n\n## 5. Attorney safeguards, insurance, and the Client Protection Fund\n\n### 5.1 Professional safeguards are not insurance\n\nThe current Rule 1.15 body expressly bears the effective date **September 21, 2026**. Its separation, unearned-advance, disputed-property and accounting provisions were freshly read for this security interface. The older body printed in the compilation was not substituted for it. The separate July 21, 2026 amendment order remains unrecovered. **C041–C042.** [Wyoming Courts+1](https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf)\n\nThe overdraft-notification arrangement is a monitoring safeguard. The rule expressly states that it does not create a third-party-beneficiary contract or the described duty of care. Required institution approval and deposit insurance are not malpractice or fidelity coverage for lawyer theft. **C043, C066.** [Wyoming Courts+1](https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf)\n\n### 5.2 Fund eligibility and exclusions\n\nThe court rules require a loss caused by defined lawyer dishonesty arising from a lawyer-client relationship. The definition includes theft, embezzlement, conversion and the specified failure to refund an advance. Death or incapacity alone does not eliminate the rule’s eligibility inquiry. **C049.** [Wyoming Courts+1](https://www.wyocourts.gov/app/uploads/2025/01/RULES-FOR-THE-CLIENT-PROTECTION-FUND-1.pdf)\n\nThe claim must be filed within **four years after the claimant knew or should have known of the dishonest conduct**. Exclusions include specified relatives and business associates, covered bond/insurance losses to the extent covered, specified financial-institution losses, controlled entities, governmental entities, nonrelationship investments, and consequential/incidental losses. The rules also contain a discretionary hardship/special-circumstances provision. **C050–C052.** [Wyoming Courts](https://www.wyocourts.gov/app/uploads/2025/01/RULES-FOR-THE-CLIENT-PROTECTION-FUND-1.pdf)\n\nThe rules require satisfactory evidence and disclosure of recovery attempts and other coverage. They do not establish a universal prerequisite that every claimant first obtain a civil judgment or criminal conviction. The Committee may determine dishonesty for Fund purposes without making a disciplinary determination. **C053, C056.** [Wyoming Courts](https://www.wyocourts.gov/app/uploads/2025/01/RULES-FOR-THE-CLIENT-PROTECTION-FUND-1.pdf)\n\n### 5.3 The $15,000 number is not an absolute cap\n\nRule 6 permits the Committee to fix maximum reimbursements from time to time and gives it discretion over amount, timing and installments. It prohibits approval of more than **$15,000 to one claimant per calendar year without prior Board of Officers and Commissioners approval**.\n\nThat is an approval threshold—not an authenticated lifetime cap, universal per-loss cap, or guaranteed annual payment. No separate current policy establishing a different maximum or per-lawyer aggregate was recovered. Rule 7 expressly denies a legal right to reimbursement. **C054–C055.** [Wyoming Courts](https://www.wyocourts.gov/app/uploads/2025/01/RULES-FOR-THE-CLIENT-PROTECTION-FUND-1.pdf)\n\nThe claimant or lawyer may request written reconsideration within **30 days** under Rule 5(g); the rules then provide finality/no further appeal. This is the Fund’s internal rule, not a conclusion about every conceivable external legal challenge. **C056.**\n\n### 5.4 Later recoveries and Fund reimbursement\n\nRule 10 requires assignment/subrogation to the extent of Fund payment. Later recovery triggers repayment only to the extent it exceeds the claimant’s unreimbursed loss, capped by the Fund’s payment. This prevents double recovery without requiring repayment of every later dollar regardless of the remaining loss. **C057.** [Wyoming Courts](https://www.wyocourts.gov/app/uploads/2025/01/RULES-FOR-THE-CLIENT-PROTECTION-FUND-1.pdf)\n\n### 5.5 Insurance-failure and deposit-insurance limits\n\nWyoming’s Insurance Guaranty Association Act expressly excludes **surety** from its applicability. A surety’s failure therefore cannot be assumed to activate that Act. This pass does not decide every fidelity-policy classification or other insurer-insolvency regime. **C067.** [Wyoming Legislature](https://wyoleg.gov/statutes/compress/title26.pdf)\n\nUnder the freshly read FDIC regulations, fiduciary recognition and pass-through treatment require the applicable ownership disclosures and ascertainable beneficial interests. Coverage is measured as if deposited by the principal under the applicable category; an intermediary does not create a new insurance category or automatic separate coverage. Actual account facts and aggregation remain held. **C066.** [eCFR+1](https://www.ecfr.gov/current/title-12/chapter-III/subchapter-B/part-330/section-330.5)\n\n## 6. Public forms, electronic procedures, and authenticated limits\n\n### 6.1 Procedure established without an account\n\nOfficial collection and banking pages establish NMLS application/renewal routes. They do not, by themselves, prove that a particular electronic bond form, cancellation workflow, issuer, or blanket bond configuration is accepted. No authenticated Wyoming collector or transmitter blank bond was recovered. **C069.** [Wyoming Collection Agency Board+2](https://wyomingcollectionagencyboard.wyo.gov/home/collection-license-application)\n\nThe Secretary of State sandbox rules were read in full. They are a final two-page rule package effective January 1, 2020, but they do not supply the missing detailed consumer-protection bond instrument. The public application page directs a person to obtain a form by contacting the office; no contact was made. **C030, C069.** [Wyoming Secretary of State+2](https://sos.wyo.gov/Investing/Docs/FinTechSandboxRules.pdf)\n\n### 6.2 Complete public blank form actually examined\n\nThe **five-page Client Protection Fund Statement of Claim**, labeled **“Revised 10/25,”** was read in full, including page images. It is a claim form, not an insurance policy or bond.\n\n| Form portion | Fields/undertakings actually examined |\n| --- | --- |\n| Claimant information | Name, address, city/state/ZIP, telephone contacts, occupation, employer, work/contact information and email; office-use claim-number/receipt/amount fields |\n| Questions 1–5 | Lawyer identity; services; efforts to recover; amounts paid and supporting evidence; written/oral fee agreement |\n| Questions 6–9 | Amount/type/date of loss; discovery; alleged diversion and persons with knowledge |\n| Questions 10–14 | Current lawyer; litigation/judgment; bond/insurance/other recovery; relevant company/employment relationships; additional facts |\n| Final-page undertakings | Sworn statement; cooperation/assignment; release/subrogation; certification; signature/date lines and notarial acknowledgment |\n\n**Material document discrepancies:** The instructions refer to three signature places, while the final page displays four signature lines. Rule 4’s enumerated information includes a Social Security number, but the examined form did not supply a corresponding field. The form’s broader repayment wording must be read with Rule 10(e)’s specific no-double-recovery formula. The form’s terminology concerning approval of an assisting lawyer’s compensation differs from Rule 12’s Committee wording. These are preserved as form/rule reconciliation issues—not instructions to collect or submit personal information. **C058; S012–S014.** [Wyoming State Bar+3](https://www.wyomingbar.org/wp-content/uploads/Client-Protection-Fund-Statement-of-Claim-Fillable.pdf)\n\nThe U.S. Trustee instructions were selectively read for security calculations and attachments. They are **not represented as a fully examined application or generic bond form**. Their example tables support the calculation methodology but do not establish the legal status of any actual agency. [Department of Justice+1](https://www.justice.gov/d9/pages/attachments/2016/12/22/cc_application_instructions.pdf)\n\n# B. Source register\n\n**Check date for every entry below: October 27, 2026, Pacific.** “Fresh” describes this pass’s access. A source’s displayed update date is not treated as its legal effective date. Wyoming statutory PDF indices are zero-based; no separate printed page number was visible in the relevant portions.\n\n| Source ID | Issuer/document and complete literal URL | Pinpoint, version, read extent and limitations |\n| --- | --- | --- |\n| **S_WY-P4-S001** | Wyoming Legislature, Title 33. https://wyoleg.gov/statutes/compress/title33.pdf | Fresh: complete Chapter 14, indices110–111; selected Chapter11 definitions/exclusions, indices85–88; §§107–110, indices92–95. Relevant images inspected. Official retrieved compilation; exact consolidation-through date unstated. No historical enactment-date verification. |\n| **S_WY-P4-S002** | Collection Agency Board rules, Chapter2, reproduced by Cornell LII. https://www.law.cornell.edu/regulations/wyoming/031-2-Wyo-Code-R-SS-2-4 ; https://www.law.cornell.edu/regulations/wyoming/031-2-Wyo-Code-R-SS-2-6 ; https://www.law.cornell.edu/regulations/wyoming/031-2-Wyo-Code-R-SS-2-8 ; https://www.law.cornell.edu/regulations/wyoming/031-2-Wyo-Code-R-SS-2-10 | Fresh complete listed section bodies. Trust/financial provisions show amendment notes through November1,2023. Primary rule text on a secondary host; official adoption package not recovered. One chapter/access group, not four independent corroborations. |\n| **S_WY-P4-S003** | Collection Agency Board rules, Chapter3 §7, reproduced by Cornell. https://www.law.cornell.edu/regulations/wyoming/031-3-Wyo-Code-R-SS-3-7 | Fresh complete termination section: Board notice, 30-day advance creditor-client notice and accounting/transfer information. Official-current-adoption verification held. |\n| **S_WY-P4-S004** | Collection Agency Board public procedure pages. https://wyomingcollectionagencyboard.wyo.gov/home/statutes-and-regulations ; https://wyomingcollectionagencyboard.wyo.gov/home/collection-license-application ; https://wyomingcollectionagencyboard.wyo.gov/home/applicationrenewal-forms | Fresh selected operational text. NMLS/renewal routes established; no authenticated blank bond or cancellation instrument. Linked rule files produced landing pages only; failed URLs in log. |\n| **S_WY-P4-S005** | Wyoming Legislature, Title40. https://wyoleg.gov/statutes/compress/title40.pdf | Fresh selected §§40-22-102–107, indices294–300, including complete security/investment clauses; sandbox §§40-29-103–104,106,109, relevant indices382–391. Images298–300,386,391 inspected. No full licensing/custody/remedies audit. |\n| **S_WY-P4-S006** | Banking rule Chapter2 §5, reproduced by Cornell. https://www.law.cornell.edu/regulations/wyoming/021-2-Wyo-Code-R-SS-2-5 | Fresh entire body: annual renewal security based on prior July1–June30 Wyoming-resident average daily outstanding balance. Note: amended effective November16,2021. Official adoption chain not recovered. |\n| **S_WY-P4-S007** | Division of Banking, money-transmitter procedure. https://wyomingbankingdivision.wyo.gov/money-transmitters/application-forms | Fresh operational page: applications/license activity through NMLS. Does not authenticate a bond form, actual license, or electronic cancellation requirements. |\n| **S_WY-P4-S008** | Wyoming Secretary of State, Chapter11 Financial Technology Sandbox Rules. https://sos.wyo.gov/Investing/Docs/FinTechSandboxRules.pdf | Fresh **complete two-page rule**, §§1–6; both images read, indices0–1. Effective January1,2020. No later amendment-chain certificate; no detailed bond form in document. |\n| **S_WY-P4-S009** | Official sandbox procedure pages. https://wyomingbankingdivision.wyo.gov/banks-and-trust-companies/financial-technology-sandbox ; https://sos.wyo.gov/Investing/FTSResources.aspx ; https://sos.wyo.gov/Investing/FTSAppForm.aspx | Fresh selected pages; Secretary’s application page offers contact route rather than form body. Banking Drive application/rule links not substantively retrieved. No contacts or submissions. |\n| **S_WY-P4-S010** | 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 | Fresh order and operative professional-form provisions; five-page text examined, images0,3,4. Order November25,2025; effective January26,2026. No general insurance mandate inferred from employee-benefit clause. |\n| **S_WY-P4-S011** | Wyoming Supreme Court, Professional Conduct compilation. https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf | Fresh selected **current Rule1.15**, printedpp.66–71/indices65–70, including property, overdraft, advance/dispute and records clauses. Heading effective September21,2026; history July21 amendment. Image65 read; image68 failed. Separate amendment order unread. |\n| **S_WY-P4-S012** | Wyoming Supreme Court, Client Protection Fund Rules. https://www.wyocourts.gov/app/uploads/2025/01/RULES-FOR-THE-CLIENT-PROTECTION-FUND-1.pdf | Fresh **complete Rules1–13**, all six page images, printedpp.1–6/indices0–5. Added May16,2017, effective July1,2017. Currently linked official compilation; later independent policy maxima not recovered. |\n| **S_WY-P4-S013** | Wyoming State Bar, blank Fund claim form. https://www.wyomingbar.org/wp-content/uploads/Client-Protection-Fund-Statement-of-Claim-Fillable.pdf | Fresh **all five pages and images**, indices0–4. Label “Revised10/25”; not treated as an effective-date enactment. All fields and undertakings examined; no data entered. |\n| **S_WY-P4-S014** | Wyoming State Bar, generic Fund instructions. https://www.wyomingbar.org/for-the-public/client-protection-fund/ | Fresh substantive public instructions. Operational guidance subordinate to court rules; no claim-status or lawyer lookup. |\n| **S_WY-P4-S015** | Wyoming Legislature, Title4 Trust Code. https://wyoleg.gov/statutes/compress/title04.pdf | Fresh selected §§4-10-102,105,509,702,705(d),809–810; indices3,9–10,36,49,52,64. Relevant security/property images read. Actual trust, governing law and instrument remain predicates. |\n| **S_WY-P4-S016** | Wyoming Legislature, Title17. https://wyoleg.gov/statutes/compress/title17.pdf | Fresh §17-19-1406 and selected adjacent dissolution-claim provisions; indices531–534, images531–532. Used for winding-up/title interface, not a complete dissolution/claims dossier. |\n| **S_WY-P4-S017** | U.S. House OLRC, Title11 access group. https://uscode.house.gov/us/usc/119-124/t11/s111/ ; https://uscode.house.gov/us/usc/119-124/t11/s541/ ; https://uscode.house.gov/us/usc/119-124/t11/s544/ ; https://uscode.house.gov/us/usc/119-124/t11/s507/ ; https://uscode.house.gov/us/usc/119-124/t11/s726/ | Fresh selected operative §111(c), §541(a),(c),(d),(f), §544, §507(a)(7), §726. Bodies display laws through PL119-124, October15,2026. Later law not certified; future/conditional stablecoin material not used. |\n| **S_WY-P4-S018** | DOJ/eCFR, Part58 security access group. https://www.ecfr.gov/current/title-28/chapter-I/part-58/section-58.12 ; https://www.ecfr.gov/current/title-28/chapter-I/part-58/section-58.18 ; https://www.ecfr.gov/current/title-28/chapter-I/part-58/section-58.23 | Fresh relevant definitions; complete §58.18 and §58.23 operative security provisions. Latest displayed currency October23,2026; Title28 last amended September30. Not a complete Federal Register audit through October27. |\n| **S_WY-P4-S019** | DOJ, 2013 final credit-counseling rule,78FR16138. https://www.govinfo.gov/content/pkg/FR-2013-03-14/pdf/2013-04361.pdf | Fresh selected dates, security explanation and operative §58.23, printedpp.16157–16158/indices19–20; images read. Effective April15,2013. Not all22 pages read. Current rule separately checked. |\n| **S_WY-P4-S020** | U.S. Trustee Program, application instructions. https://www.justice.gov/d9/pages/attachments/2016/12/22/cc_application_instructions.pdf | Fresh selected security instructions, printedpp.17–21/indices16–20; table image printedp.19/index18 read. Cover displays OMB approval expiration September30,2028; URL path is not version date. Not the complete application or a bond form. |\n| **S_WY-P4-S021** | U.S. Trustee Program, generic credit-counseling FAQ. https://www.justice.gov/ust/frequently-asked-questions-faqs-credit-counseling | Fresh selected bonding, fidelity, state-law and original-document instructions. Page update January15,2025 is not legal effective date. No agency roster used. |\n| **S_WY-P4-S022** | Judicial Conference, adjusted bankruptcy amounts,90FR8941–8942. https://www.govinfo.gov/content/pkg/FR-2025-02-04/pdf/2025-02207.pdf | Fresh notice and relevant table; printedp.8941/index0 image read. $3,800 §507(a)(7), cases commenced on/after April1,2025. No independent CPI calculation. |\n| **S_WY-P4-S023** | U.S. Supreme Court, **Butner v. United States**,440U.S.48. https://www.govinfo.gov/content/pkg/USREPORTS-440/pdf/USREPORTS-440-48.pdf | Official reporter PDF recovered after initial failure. Selected majority facts/analysis/disposition, pp.49–55,57–58; images55,57,58/indices7,9,10 read. February21,1979. Not full later-history review. |\n| **S_WY-P4-S024** | Tenth Circuit, **In re Foster**,275F.3d924, judicial text reproduced by Justia. https://law.justia.com/cases/federal/appellate-courts/F3/275/924/592274/ | Fresh **entire majority and footnotes**; December26,2001. Pinpoints: paragraphs beginning “Property subject to a trust,” “The bankruptcy court failed,” concluding disposition, footnote2. No verified reporter page breaks in HTML; no comprehensive citator. |\n| **S_WY-P4-S025** | Wyoming Legislature, Title26. https://wyoleg.gov/statutes/compress/title26.pdf | Fresh selected §26-31-102 and relevant definition context; index661 image read. Surety exclusion only; not full insurance-guaranty or fidelity classification review. |\n| **S_WY-P4-S026** | FDIC/eCFR, deposit-ownership recognition. https://www.ecfr.gov/current/title-12/chapter-III/subchapter-B/part-330/section-330.5 ; https://www.ecfr.gov/current/title-12/chapter-III/subchapter-B/part-330/section-330.7 | Fresh operative ownership/fiduciary provisions, especially §330.5(a)–(b), §330.7(a). Display through October23,2026. No actual bank/account or insured-amount determination. |\n| **S_WY-P4-S027** | NMLS generic checklist/ESB locators. https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx ; https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/esb/SitePages/Home.aspx | Fresh attempted access; no usable substantive body. **Discovery/failure only**, not authority for Wyoming-specific electronic bond requirements. |\n\n# C. Atomic claim register\n\n“High/text” means the proposition is supported by the examined text, subject to source-currentness limits. “Conditional” means application requires facts not supplied. “Held” identifies an unresolved authority, instrument, or factual issue.\n\n## C1. State security instruments\n\n| Claim ID | Precise assertion and trigger | Source/pinpoint | Conditions and limits |\n| --- | --- | --- | --- |\n| **S_WY-P4-C001** | A bond, insurance policy or security deposit does not authorize covered nonexcluded debt adjustment. | S001 §§33-14-101–103 | High/text; actual classification remains necessary. |\n| **S_WY-P4-C002** | Chapter14’s conditional exclusions contain no special bond/capital/insurance schedule. | S001 complete chapter | Bounded text finding, not universal exemption. |\n| **S_WY-P4-C003** | Chapter11 collector protection applies in its creditor-side statutory context. | S001 §§33-11-101–102 | Business-debt/attorney exclusions not transplanted into Chapter14. |\n| **S_WY-P4-C004** | Collector application requires a financial statement showing financial soundness. | S001 §33-11-107(b) | No numerical net-worth floor in this clause. |\n| **S_WY-P4-C005** | Approved collector applicant must file and maintain $10,000 security within20days after approval notice. | S001 §108(a) | Days as written; exact calendar computation not supplied. |\n| **S_WY-P4-C006** | Collector surety must be Wyoming-authorized; bond requires Board/AG approval and principal execution/acknowledgment. | S001 §108(a) | Actual issuer/instrument never queried. |\n| **S_WY-P4-C007** | $10,000 cash with State Treasurer is a statutory alternative. | S001 §108(a) | Complete cash-claim payout procedure not established. |\n| **S_WY-P4-C008** | Collector bond secures collected proceeds owed placing claimants, less contractual collection charges, for all placed debts. | S001 §108(b)–(c) | Not every debtor-side loss or misconduct allegation. |\n| **S_WY-P4-C009** | Surety aggregate liability under collector bond cannot exceed penalty. | S001 §108(c) | Prior payments/instrument period required; no statutory allocation rule established. |\n| **S_WY-P4-C010** | Collector bond claim goes to Board; suit allowed after surety fails to pay/settle within30days of Board notice. | S001 §108(c) | Not direct immediate-suit rule for this bond. |\n| **S_WY-P4-C011** | Collector bond action must commence within2years after license revocation/expiration; timely actions preserved. | S001 §109 | Renewal/replacement interaction held; not discovery-based. |\n| **S_WY-P4-C012** | New bond/withdrawal ends former surety’s future-act exposure subject to §109; replacement due30days after specified notice. | S001 §108(d)–(e) | Does not erase accrued claims; nonreplacement terminates operating right. |\n| **S_WY-P4-C013** | Each collector office separately licensed; branch requirements apply. | S001 §110(a); S002 §2-8 | Blanket versus separate penalties requires authenticated instruments. |\n| **S_WY-P4-C014** | Reproduced collector trust rule requires sufficient client funds; sole-debt-buyer exception requires stated attestations. | S002 §2-4 | Official adoption chain held; not a bond exemption. |\n| **S_WY-P4-C015** | Reproduced rule requires prescribed financial form and statements not over6months old; annual renewal procedure exists. | S002 §§2-6,2-10; S004 | Procedure not actual approval; exact blank financial form not relied on. |\n| **S_WY-P4-C016** | Reproduced closure rule requires30days’ advance creditor-client notice and specified accounting/transfer information. | S003 §3-7 | Does not establish insolvency distribution priority. |\n| **S_WY-P4-C017** | Money-transmitter assurance applies only after actual Chapter22 activity/exemption/delegate analysis. | S005 §§40-22-102–104 | Chapter14 exclusion does not establish this exemption; full flow analysis reserved. |\n| **S_WY-P4-C018** | Covered transmitter must maintain at least$25,000 GAAP net worth. | S005 §105(a) | Capital requirement, not segregated consumer recovery fund. |\n| **S_WY-P4-C019** | Transmitter security is greater of$10,000 or2.5×outstanding instruments, maximum$500,000; impairment adjustment authorized. | S005 §106(a) | Commissioner-approved form; actual base and order required. |\n| **S_WY-P4-C020** | Reproduced renewal rule uses preceding July1–June30 Wyoming-resident average daily outstanding balance. | S006 §2-5 | Official adoption chain held; distinguish statutory definition and national investment base. |\n| **S_WY-P4-C021** | Transmitter security protects stated handling/payment obligations; claimant or commissioner may sue; surety aggregate capped. | S005 §106(a) | No collector30-day prerequisite imported; device terms still matter. |\n| **S_WY-P4-C022** | Approved substitute cash/securities secure same obligations, valued at lower principal/market amount. | S005 §106(b) | Permitted instruments, approval, interest and substitution conditions apply. |\n| **S_WY-P4-C023** | Transmitter cancellation requires30days’ prior commissioner notice; period-accrued liability preserved. | S005 §106(c) | Not authority to operate without required security. |\n| **S_WY-P4-C024** | Post-cessation security provision says no longer than5years, with stated earlier reduction/substitution powers. | S005 §106(d) | Not a minimum or claim limitation. |\n| **S_WY-P4-C025** | Permissible investments generally cover outstanding U.S. instruments; express commissioner waiver exists. | S005 §107(a) | Not the same base or asset as net worth/security. |\n| **S_WY-P4-C026** | §107(b) states bankruptcy-triggered trust for purchasers/holders, even if investments commingled. | S005 §107(b); S017 §§541,544 | Federal interaction/tracing/priority unresolved; no guaranteed exclusion. |\n| **S_WY-P4-C027** | Authorized sandbox participant must post risk-based consumer bond of at least$10,000, adjustable by regulator. | S005 §40-29-104(h) | Actual authorization, risk order and instrument held. |\n| **S_WY-P4-C028** | Unenforced sandbox bond cancels/expires2years after end of participation under statutory clause. | S005 §104(h) | Enforcement exception preserved; not universal suit deadline. |\n| **S_WY-P4-C029** | Sandbox regulator may enforce bond to offset consumer losses. | S005 §109(b) | Private direct action, allocation and detailed form not established. |\n| **S_WY-P4-C030** | Sandbox does not waive Chapter14 or make state guarantor of participant losses. | S005 §§103,106; S008 | Final rules/application route do not establish provider permission. |\n\n## C2. Federal nonprofit and professional security\n\n| Claim ID | Precise assertion and trigger | Source/pinpoint | Conditions and limits |\n| --- | --- | --- | --- |\n| **S_WY-P4-C031** | Part58 security applies to defined nonprofit applicant/approved agency offering or having offered repayment plans. | S017 §111(c); S018 §§58.12,58.23 | Not all nonprofits; actual approval never queried. |\n| **S_WY-P4-C032** | Covered agency needs adequate resources over plan life, protected trust arrangements and prescribed audit safeguards. | S017 §111(c); S018 §58.23(a)–(c) | Qualitative resources not universal capital dollar amount. |\n| **S_WY-P4-C033** | Federal surety payable to U.S. equals greater of$5,000 and lesser of2% qualifying12-month disbursements or6-month average daily balance. | S018 §58.23(d)(1) | Geographic attribution and actual data required. |\n| **S_WY-P4-C034** | State-security credit requires qualifying state-license security protecting agency clients and satisfying obligee conditions. | S018 §58.23(d)(2) | Collector bond not automatically equivalent; credit limited as stated. |\n| **S_WY-P4-C035** | Employee bond/fidelity amount is50% of pre-offset surety calculation, minimum$5,000. | S018 §58.23(e)(1) | Do not calculate after surety credit. |\n| **S_WY-P4-C036** | Fidelity credit requires qualifying state employee coverage and reasonable deductible; credit limited by specified comparison. | S018 §58.23(e)(2) | Actual coverage/deductible/resources held. |\n| **S_WY-P4-C037** | Contractor alternatives include approved status, coverage or own security/audit agreement; five-day branch specifies$500,000; EFT exception conditional. | S018 §58.23(d)(3) | No general processor exemption; “days” not rewritten as business days. |\n| **S_WY-P4-C038** | Cancellation/amount changes in federal agency surety/fidelity require prior U.S. Trustee approval. | S018 §58.18(a)–(b) | Applicant amended-application provision also applies. |\n| **S_WY-P4-C039** | Existing plans retain security duties after new-plan cessation; waiver requires stated transfer/60-day/notice or hardship conditions. | S018 §58.23(f) | Waiver not automatic. |\n| **S_WY-P4-C040** | Regulations/instructions alone do not establish every direct consumer bond claim, issuer or defense term. | S018–S021 | Authenticated blank instrument missing; exact contract gap. |\n| **S_WY-P4-C041** | Current professional funds body is Rule1.15 effectiveSept21,2026. | S011 current heading/history | Separate July21 order not recovered. |\n| **S_WY-P4-C042** | Client property, unearned advances and disputed portions remain subject to professional separation/entitlement protections. | S011 Rule1.15(a),(d)–(g) | Actual earning, ownership and disputes held; not insurance. |\n| **S_WY-P4-C043** | Overdraft monitoring requires institutional arrangements but creates no stated third-party-beneficiary contract/duty. | S011 Rule1.15(b)(1) | Monitoring is not compensation coverage. |\n| **S_WY-P4-C044** | Rule10 preserves responsibility for own professional acts; no fixed universal insurance/bond/capital mandate established there. | S010 operative Rule10 | Bounded reading, not all-law negative conclusion. |\n| **S_WY-P4-C045** | Actual trustee bond depends on court necessity or trust terms; court controls amount/liabilities/sureties. | S015 §§105(b)(vi),702 | Financial-institution exception and trust terms preserved. |\n| **S_WY-P4-C046** | Trustee resignation does not discharge prior trustee/surety liability. | S015 §705(d) | Actual bond/order and other claim rules required. |\n| **S_WY-P4-C047** | Trust property is not trustee’s personal-obligation property, including insolvency/bankruptcy. | S015 §509 | Valid trust and identified property required; federal overlay separate. |\n| **S_WY-P4-C048** | Trust records, separation and interest identification are required under applicable Code provisions. | S015 §§102,105,809–810 | Actual trust/governing law; permitted pooled investment does not erase interests. |\n\n## C3. Fund, insolvency, insurance and procedure\n\n| Claim ID | Precise assertion and trigger | Source/pinpoint | Conditions and limits |\n| --- | --- | --- | --- |\n| **S_WY-P4-C049** | Fund loss must arise from defined lawyer dishonesty and lawyer-client relationship. | S012 Rules1,3(a) | Death/incapacity or poor outcome alone not automatic payment. |\n| **S_WY-P4-C050** | Fund claim deadline is4years after knew/should have known dishonesty. | S012 Rule3(b) | No actual date/holiday computation. |\n| **S_WY-P4-C051** | Fund excludes specified related-party, covered-insurance, financial-institution, controlled-entity, government, investment and consequential losses. | S012 Rule3(c) | Exact categories and “to extent covered” preserved. |\n| **S_WY-P4-C052** | Extreme hardship/special unusual circumstances can support discretionary exception; interstate sharing factors apply. | S012 Rule3(d)–(f) | Not guaranteed waiver or automatic residence-based entitlement. |\n| **S_WY-P4-C053** | Fund requires approved sworn claim and satisfactory loss evidence; recovery/coverage information required. | S012 Rules4–5 | No universal civil judgment/conviction prerequisite established. |\n| **S_WY-P4-C054** | More than$15,000 per claimant/calendar year needs prior Board approval; payment remains discretionary. | S012 Rules6(b),7 | Not absolute lifetime/per-loss cap or entitlement. |\n| **S_WY-P4-C055** | Committee may fix maxima; no separate current maximum/per-lawyer aggregate authenticated. | S012 Rule6(a) | Exact additional policy remains held. |\n| **S_WY-P4-C056** | Lawyer response20days; claimant/lawyer written reconsideration30days; rules provide finality. | S012 Rule5(b),(d),(f)–(g) | Fund finding not disciplinary finding; external review questions not resolved. |\n| **S_WY-P4-C057** | Fund receives assignment/subrogation; later excess recovery repayable, capped at Fund payment. | S012 Rule10(b)–(e) | Preserve unreimbursed-loss subtraction; no double recovery. |\n| **S_WY-P4-C058** | Public claim form was fully examined but contains identified form/rule/signature discrepancies. | S012 Rules4,10,12; S013–S014 | No completed filing or operational approval. |\n| **S_WY-P4-C059** | Estate generally includes debtor interests; §541(d) preserves others’ equitable interests to the proven extent. | S017 §541(a),(d) | Trust label alone insufficient; actual property/tracing required. |\n| **S_WY-P4-C060** | Federal bankruptcy-trigger/avoidance provisions must be assessed before declaring state security immune. | S017 §§541(c),544 | No automatic invalidity or immunity conclusion for §40-22-107(b). |\n| **S_WY-P4-C061** | Nonprofit dissolution requires winding up/provision for liabilities and does not itself transfer title. | S016 §17-19-1406 | Actual asset conditions and governing law remain necessary. |\n| **S_WY-P4-C062** | Qualifying §507(a)(7) individual consumer deposits have$3,800 adjusted priority for post-Apr1,2025 cases. | S017 §507(a)(7); S022 | Not all program funds; not guaranteed payment or claim-size cap. |\n| **S_WY-P4-C063** | Chapter7 §726 distribution rules apply in their federal estate context. | S017 §726(a)–(b) | Not collector-bond allocation or universal insolvency procedure. |\n| **S_WY-P4-C064** | Butner uses state property law absent controlling federal reason; affirmed lower appellate judgment. | S023 pp.55,57–58 | Historical Bankruptcy Act/property facts; not Wyoming trust adjudication. |\n| **S_WY-P4-C065** | Foster required equitable consideration of similarly situated victims before tracing fiction; reversed/remanded. | S024 majority andfn.2 | Colorado trust law; no per-se constructive-trust ban adopted. |\n| **S_WY-P4-C066** | FDIC fiduciary recognition depends on actual ownership/disclosure/records; agent deposits treated under principal’s coverage. | S026 §§330.5,330.7(a) | No actual insured amount, new category, or nonbank-loss guarantee. |\n| **S_WY-P4-C067** | Wyoming Insurance Guaranty Association Act excludes surety. | S025 §26-31-102 | Other insurance classifications/regimes not decided. |\n| **S_WY-P4-C068** | Private insurance recovery requires actual policy, insured risk, claimant rights, exclusions and limits. | Instrument gap; S025 scope boundary | No policy examined; no mandatory coverage or payout inferred. |\n| **S_WY-P4-C069** | Public NMLS/sandbox instructions establish routes, not authenticated security forms or actual approval. | S004,S007–S009,S027 | Electronic bond/cancellation specifics remain held. |\n| **S_WY-P4-C070** | Source currency is limited to displayed compilations/versions; webpage dates are not enactment dates. | Source register | No complete amendment/citator certificate. |\n| **S_WY-P4-C071** | Negative searches and missing instruments do not establish absence of law or security. | Failure/coverage registers | Exact later investigation remains identified. |\n\n# D. Published-opinion comparison\n\n| Authority | Facts and posture | Majority holding/disposition | Read extent and later-history limits |\n| --- | --- | --- | --- |\n| **Butner v. United States**, U.S. Supreme Court, February21,1979,440U.S.48 | Second mortgagee claimed rents collected during bankruptcy. Bankruptcy judge denied secured treatment; district court reversed; Fourth Circuit restored denial. | Property/security interests ordinarily derive from state law absent a controlling federal reason otherwise. Supreme Court declined to redecide the particular North Carolina issue and **affirmed**. Relevant pp.55,57–58. | Official reporter recovered; selected majority facts, reasoning and disposition read, with images. Historical Bankruptcy Act context. Foster’s later reliance was actually read; no comprehensive citator. |\n| **In re Foster**, Tenth Circuit, December26,2001,275F.3d924 | Ponzi-scheme funds commingled; one investor received postpetition transfers. Bankruptcy court imposed constructive trust using lowest-intermediate-balance reasoning; district court affirmed. | Bankruptcy court failed to assess whether tracing fiction unfairly elevated one victim over similarly situated creditors. **Reversed and remanded**. Footnote2 expressly declined the broader per-se argument. | Entire majority and footnotes read from reproduced judicial text. Colorado trust law, not a Wyoming-specific trust holding. No complete later-history review. |\n| Wyoming-specific security priority opinions | Official/public searches did not produce a fully examined controlling opinion resolving the specific collector allocation, §40-22-107(b) bankruptcy interaction, or current Fund maximum questions. | **No absence-of-law inference.** | Exact questions remain for a later published-opinion/citator investigation; no docket or actual case-status search was made. |\n\n# E. Worked hypothetical security and failure branches\n\nAll amounts are **USD**, rounded to cents. No real provider, bond, account, claimant, policy, award, or calendar is assumed.\n\n## Model 1 — Collector bond versus prohibited debtor-side adjuster\n\n### Branch A: creditor-side collector\n\n**Assumptions:** A creditor places an $8,000 debt with a properly classified collector. The collector actually receives $6,000. A valid agreement permits a **$600 deduction**; this is an assumed lawful deduction, not a fee approval.\n\nCollected proceeds = $6,000.00\n\nAssumed authorized collection charge = $600.00\n\nAmount owed to placing creditor = $6,000 − $600 = $5,400.00\n\nThe $5,400 is within the type of obligation §33-11-108(b) secures, subject to coverage period, proof, prior payments, defenses and the statutory claim process.\n\n**Required generic process:** Present the bond claim to the Board; the Board notifies the surety; the statutory suit branch arises if the claim remains unpaid/unsettled after the specified 30-day period.\n\n**Missing evidence:** Actual bond, covered period, valid deduction, collection and nonpayment, remaining aggregate, and license-expiration/revocation dates. No recovery is assumed.\n\n### Branch B: debtor-side adjustment company\n\nA debtor instead pays $6,000 to a nonexcluded commercial company to settle the debtor’s obligations. The company presents a collection bond.\n\n**Result:** The collection bond does not establish Chapter14 permission. Nor is that debtor automatically a claimant who placed a debt for collection under §108(b).\n\nThis does not mean the debtor has no possible remedy. It means **this collector-bond theory and lawful-provider premise have not been established**. **C001–C003,C008–C011.**\n\n## Model 2 — Two eligible collector claimants after prior bond payments\n\n**Assumptions:** One applicable surety bond has a $10,000 aggregate penalty. Prior valid payments under that same aggregate total $3,000. Claimants A and B have otherwise eligible losses of $5,000 and $4,000.\n\nOriginal aggregate = $10,000.00\n\nPrior aggregate payments = $3,000.00\n\nRemaining possible aggregate exposure = $10,000 − $3,000 = $7,000.00\n\nNew eligible losses = $5,000 + $4,000 = $9,000.00\n\nLoss exceeding remaining aggregate = $9,000 − $7,000 = $2,000.00\n\nLet x and y be amounts ultimately payable to A and B:\n\n0 ≤ x ≤ $5,000\n\n0 ≤ y ≤ $4,000\n\nx + y ≤ $7,000\n\nNo statutory pro-rata or first-filed allocation was established. The arithmetic therefore does not select x or y.\n\n**Conservation:** Prior payments plus all new payments cannot exceed the authenticated $10,000 aggregate under the assumed single instrument.\n\n**Missing evidence:** Instrument period, renewal/reinstatement terms, competing claims, valid prior payments, allocation procedure and adjudication. **C009,C011–C013.**\n\n## Model 3 — Lawyer-owned assets versus client shortfall and Fund eligibility\n\n**Inputs:**\n\n- Client’s established beneficial entitlement: $20,000.00.\n- Identifiable client money actually returned: $12,000.00.\n- Remaining shortfall: $8,000.00.\n\n$20,000 − $12,000 = $8,000.00\n\nThe $8,000 does not become insured merely because the missing money once belonged in trust.\n\n### Eligibility branch\n\nAssume the $8,000 resulted from defined lawyer dishonesty in a lawyer-client relationship, the claim is timely, and no exclusion or other coverage defeats eligibility. The Fund still retains discretion.\n\nFor calculation only, assume a Fund payment of $5,000.00:\n\nUnreimbursed loss = $8,000 − $5,000 = $3,000.00\n\nLater, the claimant recovers $4,000.00 from another source:\n\nExcess above remaining loss = $4,000 − $3,000 = $1,000.00\n\nRepayment to Fund = min($5,000, $1,000) = $1,000.00\n\n**Conservation:**\n\nClient total = $12,000 + $5,000 + $4,000 − $1,000 = $20,000.00\n\nFund net outlay = $5,000 − $1,000 = $4,000.00\n\nThis applies Rule10(e)’s stated relationship; it does not assume a real award.\n\n### Failure branches\n\nAn ordinary unresolved fee dispute, negligence allegation, death alone, covered insurance loss, or excluded investment does not automatically satisfy Fund eligibility. The hypothetical $5,000 payment is neither mandatory nor a finding that the $15,000 approval threshold is a coverage cap. **C042,C049–C058.**\n\n## Model 4 — Nonprofit insolvency with mixed and missing property\n\n**Inputs:**\n\n- Customer A’s asserted entrusted balance: $18,000.00.\n- Customer B’s asserted entrusted balance: $12,000.00.\n- Total asserted customer property: $30,000.00.\n- Current mixed account: $20,000.00.\n- Other provider assets: $5,000.00.\n- Other creditor claims and expenses: unknown.\n\nAsserted customer balances = $18,000 + $12,000 = $30,000.00\n\nVisible assets in hypothetical = $20,000 + $5,000 = $25,000.00\n\nArithmetic difference = $30,000 − $25,000 = $5,000.00\n\nThat $5,000 difference is **not a completed legal shortfall allocation**. The $5,000 of general assets may be subject to other valid claims and priorities.\n\n### Proven-property branch\n\nIf a valid trust and tracing establish $20,000 as customer equitable property, §541(d) and applicable state law require that interest to be analyzed accordingly. Allocation between A and B still requires proof and governing law.\n\n### Unproved-property branch\n\nIf the claimed trust, records or tracing fail, the customers may instead have claims against estate property, subject to allowance, security and priority rules. Neither a nonprofit label nor the account’s “trust” title resolves that question.\n\n### Separate service-deposit subexample\n\nAssume an individual has a **different**, qualifying $5,000 prepetition deposit for unprovided personal services in a case commenced after April1,2025:\n\nPotential §507(a)(7) priority portion = min($5,000, $3,800) = $3,800.00\n\nPotential nonpriority remainder = $5,000 − $3,800 = $1,200.00\n\nBoth remain subject to allowance and available assets. This does not classify the original $30,000 of creditor-payment funds as service deposits or authorize double recovery. **C047–C048,C059–C065.**\n\n## Model 5 — Transmitter security, capital and investments are separate\n\nAssume the relevant security calculation base is $12,000.00, properly established under the applicable statute/rule and accepted measurement period.\n\n2.5 × $12,000 = $30,000.00\n\nSecurity = min($500,000, max($10,000, $30,000)) = $30,000.00\n\nThe separate net-worth requirement is $25,000.00. A separate permissible-investment calculation remains necessary using its own statutory base and any actual waiver.\n\nBoundary checks:\n\nBase $2,000 → 2.5 × $2,000 = $5,000 → security floor $10,000\n\nBase $300,000 → 2.5 × $300,000 = $750,000 → statutory ceiling $500,000\n\nThese amounts are not added together as a guaranteed consumer payout. An impaired-condition order, actual outstanding instruments, renewal measurement, investments, security terms and competing claims remain necessary facts. **C018–C026.**\n\n## Model 6 — Federal nonprofit security and a conditional state credit\n\nAssume an agency actually within §58.23 has:\n\n- Qualifying 12-month disbursements: $1,000,000.00.\n- Qualifying six-month average daily balance: $30,000.00.\n\n2% × $1,000,000 = $20,000.00\n\nLesser of $20,000 and $30,000 = $20,000.00\n\nB0 = max($5,000, $20,000) = $20,000.00\n\nF0 = max($5,000, 50% × $20,000) = $10,000.00\n\nNow assume a **separately verified qualifying** state security credit of $8,000.00:\n\nFederal surety remaining = $20,000 − $8,000 = $12,000.00\n\nThe fidelity baseline remains $10,000.00, not $6,000.00, because it is calculated **before** the surety credit.\n\nNo Wyoming collector bond is assumed to qualify for that credit. Actual protected clients, obligee, state licensing requirement, coverage and approval remain required. **C031–C039.**\n\n### Additional failure postures\n\n| Posture | Required distinction |\n| --- | --- |\n| “Our $10,000 bond covers every customer loss.” | Protected persons, conduct, period and remaining aggregate must match. |\n| “The bond renewed, so the penalty automatically doubled.” | Renewal/reinstatement and aggregate language were not authenticated. |\n| “The provider stopped business, so all prior liability vanished.” | Applicable continuing-liability, replacement and claim provisions remain. |\n| “Five-year transmitter retention means every claim has five years.” | Retention and suit limitations are different. |\n| “The Fund pays up to $15,000 to everyone.” | Eligibility, discretion, approval threshold and any separate maximum policy differ. |\n| “A trust label guarantees first priority.” | Actual ownership, tracing and federal avoidance must be established. |\n| “FDIC coverage protects against the advisor’s theft.” | Deposit-ownership rules do not establish professional theft coverage. |\n| “The surety failed, so the Wyoming guaranty association pays.” | The examined Act expressly excludes surety. |\n| “Federal agency approval overrides Wyoming prohibition.” | No such state-law permission was established. |\n| “NMLS accepted a filing, so the bond and activity are authorized.” | Filing route, legal scope, instrument approval and actual status are separate. |\n\n# F. Coverage and exact remaining gaps\n\n| Assigned issue/subquestion | Status | Claims/examples | Exact missing evidence and next bounded action |\n| --- | --- | --- | --- |\n| **1—Prohibited versus excluded actor** | Answered at legal-text level | C001–C003; E1 | Actual activity, fee source, entity, remote/business/mixed predicates remain unproved. |\n| **1—Chapter14 nonprofit security** | Bounded answer | C002,C031 | No special schedule in chapter; evaluate additional regime only on actual qualifying facts. |\n| **1—Attorney/professional form assurance** | Partial | C041–C044,E3 | No universal insurance conclusion; other role-specific court/contract requirements remain open. |\n| **1—Collector classification and financial soundness** | Answered with rule-source limit | C003–C016,E1–E2 | Official current rule/adoption package and actual licensed activity not verified. |\n| **1—Sandbox requirements** | Answered statutory core | C027–C030 | Actual authorization/risk order/bond terms absent. |\n| **1—Conditional federal nonprofit branch** | Answered at rule level | C031–C039,E6 | Actual federal/state qualification and financial data held. |\n| **1—Money-transmitter assurance interface** | Answered conditional core | C017–C026,E5 | Full P03 activity/exemption analysis remains outside this pass. |\n| **2—Collector parties/amount/issuer/approval** | Answered | C005–C009 | Authenticated generic bond instrument not recovered. |\n| **2—Collector per-office/aggregate/renewal** | Partial | C009,C013,E2 | Blanket scope, reinstatement and renewal aggregation wording. |\n| **2—Collector cancellation/replacement/liability** | Answered statutory core | C011–C012 | Particular bond periods and renewal interpretation held. |\n| **2—Cash substitute** | Partial | C007 | Public payout/interpleader procedure and complete generic deposit instrument. |\n| **2—Transmitter amount/base/capital/reserves** | Answered with official-rule gap | C018–C025,E5 | Official adoption chain; accepted measurement and actual commissioner decisions. |\n| **2—Transmitter issuer/device terms** | Partial | C019,C021–C024 | Commissioner-approved blank instrument, issuer qualification and contract defenses. |\n| **2—Sandbox instrument** | Partial | C027–C030 | Issuer, form, aggregate, claim period and detailed cancellation wording. |\n| **2—Federal surety/fidelity calculations** | Answered | C033–C039,E6 | Actual data, credits, deductible, contractor arrangements and instruments. |\n| **2—Trustee security** | Answered conditionally | C045–C046 | Actual trust/order/bond amount, beneficiaries and conditions. |\n| **3—Collector standing/loss/notice/suit clock** | Answered | C008–C012,E1–E2 | Actual coverage and expiration facts; no calendar computed. |\n| **3—Multiple claims/prior payments/allocation** | Partial | C009,E2 | Applicable allocation procedure, contract and adjudication; no forced pro rata. |\n| **3—Transmitter private/regulator enforcement** | Answered statutory core | C021–C024 | General limitations and complete instrument terms not investigated. |\n| **3—Sandbox consumer claim procedure** | Unresolved beyond regulator route | C029 | Authenticated private-action authority or bond terms. |\n| **3—Federal agency direct consumer claim** | Unresolved instrument-level | C040 | Approved generic bond/policy and governing claim provisions. |\n| **3—Trustee-bond claim procedure** | Conditional/held | C045–C046 | Actual order/instrument and applicable specific claim rules. |\n| **3—Fund eligibility/clock/reconsideration** | Answered | C049–C058,E3 | Actual facts and any separate current maximum policy absent. |\n| **4—General assets versus client property** | Answered framework | C047–C048,C059–C061,E4 | Title, governing law, records and tracing. |\n| **4—Commingled shortfall** | Partial | C060,C065,E4 | Applicable tracing and similarly situated claimants; no factual adjudication. |\n| **4—§40-22-107(b) bankruptcy priority** | Unresolved interpretation | C026,C060 | Controlling published authority on federal interaction and tracing. |\n| **4—Nonprofit dissolution** | Answered interface only | C061 | Full dissolution notice/claims, receivership and distribution process remain later work. |\n| **4—Federal priority/distribution** | Answered conditional gateway | C059–C065,E4 | Actual chapter, allowed claims, secured/admin claims, avoidance and estate assets. |\n| **4—Bond/insurance proceeds versus estate property** | Partial | C021,C059,C068 | Instrument ownership, beneficiary and federal property/avoidance analysis. |\n| **5—Current trust safeguards** | Answered selected body | C041–C043 | Separate July21,2026 amendment order still unread. |\n| **5—Mandatory professional insurance** | Not established universally | C044,C068 | Additional role-specific authority/policy; silence not affirmative exemption. |\n| **5—Fund exclusions/last-resort features** | Answered | C049–C053,E3 | Actual other coverage and recovery efforts; no universal exhaustion rule invented. |\n| **5—Fund limits and aggregates** | Partial | C054–C055 | Separate Committee policy maximum/per-lawyer aggregate not recovered. |\n| **5—Fund subrogation/later recovery** | Answered | C057,E3 | Actual award and later recovery held. |\n| **5—Deposit/insurer protection** | Answered narrow boundary | C066–C068 | Full FDIC/NCUA category calculation, policy classification and insurer-insolvency regime excluded. |\n| **6—Electronic bond/renewal/cancellation forms** | Partial | C069 | Wyoming-specific authenticated public ESB forms/checklists not recovered. |\n| **6—Complete relevant blank form** | Answered for Fund form | C058 | Form/rule discrepancies remain unresolved; no submission. |\n| **6—Historical/current/adoption chain** | Partial | C070 | Official collector/transmitter adoption chain and separate professional amendment order missing. |\n| **6—Source absence/negative search** | Qualified hold | C071 | No absence-of-law conclusion; targeted public-source recovery remains necessary. |\n\n### Separate preserved holds\n\nActual provider authorization, tax/bar status, bonds, policies, accounts, claim records, wrongdoing, earning, beneficial ownership, tracing, coverage and insolvency facts remain **unexamined**. No named or hypothetical record was queried.\n\nBroader market-access/remote/business/mixed/fee questions; agreements, disclosures and cancellation; full custody/remittance/transmission workflows; civil/criminal/UDAP remedies; collection validation/reporting; limitation/accrual/revival/judgment; court procedure, evidence, arbitration and judgment lifecycle; exemptions; secured and sector-specific debt; aid, identity theft, military and older-adult protections; and local, tribal and country questions remain open.\n\n# G. Contribution crosswalk\n\n| Reviewed remainder | This pass’s contribution | Not accepted or completed |\n| --- | --- | --- |\n| P01 retained trust accounts, bonds, financial assurance and security-priority work for later investigation. The reviewed access/fee component did not establish general security protection. | Authenticated collector security and claim clocks; transmitter capital/security/investment interfaces; sandbox bond; conditional federal approved-agency surety/fidelity regime; trustee-bond authority; current professional safeguards; complete Fund rules and blank form; bankruptcy ownership/priority gateway; conserved hypothetical models. | P02/P03 findings as premises; full financial/insurance/receivership or remedies audit; actual status/coverage/claims; complete official rule/adoption chain; state-parent, component, A066, operations or publication acceptance. |\n\n# H. Read/failure log and researcher self-check\n\n## H1. Material failed or limited routes\n\n| Exact route | Result and treatment |\n| --- | --- |\n| https://drive.google.com/file/d/1OQMQEBzuHpeMuz_c6yzJaQBWcPF2ASd9/view?usp=drive_link | Official collector Chapter2 link produced a landing page, not examined rule body. Cornell reproduction separately read with provenance limitation. |\n| https://drive.google.com/file/d/1bFN8htHgRgaT0gv7g1D9dRWEPRI-oLui/view?usp=drive_link | Same limitation for Chapter3. |\n| https://drive.google.com/file/d/1_MeSVLCtJT68HhsET66N5XZwxtMyc6JY/view?usp=sharing | Sandbox application landing only; not an examined form. |\n| https://drive.google.com/file/d/1TF7GTgtZvFw0M6zohYRqhCNDMoO9ONEk/view?usp=sharing | Banking sandbox rule landing only; separate Secretary final-rule PDF was read. |\n| https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx | No usable substantive checklist body. |\n| https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/esb/SitePages/Home.aspx | No usable substantive ESB body. |\n| https://www.wyocourts.gov/rule-amendments/ | Separate July21,2026 Rule1.15 order not recovered. Compilation heading/history is not represented as that order. |\n| https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf — image index68 | Image request returned a JavaScript/verification page. Parsed operative text was read; image65 was successfully inspected. No workaround used. |\n| https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title11-section541&num=0&edition=prelim | Initial route failed; dated OLRC PL119-124 body later recovered. |\n| https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title11-section544&num=0&edition=prelim | Same treatment. |\n| https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title11-section507&num=0&edition=prelim | Same treatment. |\n| https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title11-section726&num=0&edition=prelim | Same treatment. |\n| https://www.govinfo.gov/content/pkg/USREPORTS-440/pdf/USREPORTS-440-48.pdf | Initial retrieval failed; later successful official PDF and page-image reads are credited, not the failed attempt. |\n| https://www.fdic.gov/consumer-resource-center/2024-06/banking-third-party-apps | 403; not relied on as a freshly read body. |\n| https://www.fdic.gov/financial-institution-employees-guide-deposit-insurance/pass-through-deposit-insurance-coverage | 403; operative eCFR ownership provisions used instead. |\n\n## H2. Actual read and currentness limits\n\n**Complete within the identified unit:** Chapter14; the collector bond and claim-limit provisions; listed reproduced collection-rule sections; sandbox Secretary rules; Client Protection Fund Rules1–13; all five pages of the Fund blank form; relevant §58.18 and §58.23 operative provisions; Foster’s majority and footnotes.\n\n**Selected reads:** Larger Wyoming titles, professional rules, Rule10 order provisions, bankruptcy Code sections, federal final rulemaking, U.S. Trustee instructions/FAQ, FDIC provisions, and Butner’s majority. The entire larger code volumes and rulemaking records were not read.\n\n**Version limits:** Wyoming compilation currency was not independently certified through October27. Relevant eCFR displays ran through October23. OLRC bankruptcy bodies displayed laws through October15. The 2025 bankruptcy adjustment was authenticated from the published notice, not calculated from inflation. Collector/transmitter rule reproductions do not substitute for an authenticated complete adoption chain.\n\n**Historical holds preserved:** The 1989 exclusion act’s exact approval/effective dates were not repaired; the 1957 act remains unread. No unprovided coordinator original, hash, import, or review record was claimed.\n\n**Guidance:** No CFPB circular, bulletin or advisory was relied upon, so no withdrawn CFPB guidance was used as current authority. Agency instructions were kept distinct from statutes, rules and actual instruments.\n\n**Not done:** No roster, identifier, provider, insurer, lawyer, license, account, policy, claim, property, borrower, docket or case-status lookup; no filing, contact, record request, purchase, account change, browser-control workaround, local write, hash, publication, or independent review.\n\n## Final determination\n\nThe authenticated protections are **specific and conditional**. The strongest established distinctions are:\n\n- collector security protects the defined creditor-side proceeds obligation;\n- transmitter and sandbox security have different beneficiaries, enforcement mechanisms and continuation rules;\n- federal approved-agency surety/fidelity requirements do not attach to all nonprofits;\n- lawyer safekeeping rules and the Client Protection Fund are not substitutes for insurance;\n- trust ownership, bankruptcy exclusion, claim priority and actual recovery require separate proof.\n\nThe unresolved instrument, official-adoption, tracing, coverage, currentness and broader-state questions remain expressly held.\n\nEND S_WY PASS-04.\n\n","tables":[{"headers":["Actual branch","Authenticated security or safeguard","What it does not establish"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Actual branch","Authenticated security or safeguard","What it does not establish"],["Covered, nonexcluded debtor-side fee-based adjustment","No Chapter 14 bond-based authorization; prohibition remains","Buying a bond cannot legalize the business"],["Actual Chapter 14-excluded nonprofit counseling service","No special Chapter 14 security schedule; other applicable regimes must be tested","Nonprofit incorporation or tax terminology alone does not establish exclusion, solvency, insurance, or federal approval"],["Creditor-side collection agency subject to Chapter 11","$10,000 statutory bond or $10,000 cash substitute; financial-soundness submission; conditional trust-account safeguards","Protection for every debtor, every misconduct claim, or every office under an assumed blanket instrument"],["Money transmitter subject to Chapter 22","Net-worth requirement; calculated security; permissible-investment requirement, subject to statutory waiver","Debt-adjustment authority, individual account insurance, or guaranteed recovery"],["Authorized sandbox participant","Risk-based consumer-protection bond of at least $10,000","Waiver of Chapter 14, state endorsement, or state liability for losses"],["Nonprofit agency within the federal bankruptcy-counseling approval regime that offers or has offered repayment plans","Federal surety and employee-bond/fidelity requirements, conditional credits, audit and continuing-resource requirements","A universal requirement for all nonprofits or Wyoming authorization"],["Lawyer or qualifying legal-practice entity","Current professional safekeeping controls; personal responsibility for professional acts; conditional Client Protection Fund","Mandatory universal malpractice coverage or an enforceable right to Fund payment"],["Actual trustee of a covered trust","Bond when required by trust terms or court under §4-10-702; court controls amount and conditions","Automatic bonding of every account called “trust”"],["Provider’s private insurance","Whatever an applicable, valid policy actually covers","Coverage inferred from a certificate, professional title, or statutory bond"]]},{"headers":["Element","Statutory result"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Element","Statutory result"],["Principal","Applicant/licensee"],["Surety","Company licensed and authorized to do business in Wyoming"],["Obligee/protected parties","State of Wyoming and qualifying claimants"],["Protected transaction","Debts placed with the licensee for collection"],["Covered obligation","Turning over collected proceeds, less collection charges authorized by the claimant’s agreement"],["Amount","$10,000"],["Alternative","$10,000 cash deposited with the State Treasurer"],["Filing trigger","Within 20 days after notification of application approval"],["Approval","Board and Attorney General approval of the bond"],["Execution","Applicant executes and acknowledges as principal"],["Maintenance","Security must thereafter be maintained"],["Aggregate","Surety liability for all claims under the bond cannot exceed its penalty"],["Replacement","Following the specified withdrawal/revocation notice, new satisfactory bond within 30 days from notification or operating right terminates"]]},{"headers":["Protection","Potential claimant/covered interest","Prerequisite and clock established","Aggregate/defense limits"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Protection","Potential claimant/covered interest","Prerequisite and clock established","Aggregate/defense limits"],["Collector bond","Party placing debt for collection; unpaid collected proceeds less agreed collection charges","Present claim to Board; Board notifies surety; suit permitted if unpaid/unsettled 30 days after Board notice. Bond action barred two years after license revocation or expiration, subject to timely commenced actions","$10,000 penalty aggregate; instrument, period, prior payments, renewal interaction and other defenses require examination"],["Collector cash substitute","Statutory substitute securing licensing requirement","Cash is authenticated, but complete payout/interpleader procedure was not recovered","Do not automatically import surety-only wording or invent cash distribution priority"],["Money-transmitter security","Claimant within secured receipt/handling/transmission/payment obligations","Direct suit or commissioner suit; no collector waiting rule imported","Bond aggregate capped at principal; other devices depend on their terms; cancellation/tail is not an invented limitations period"],["Sandbox bond","Consumer losses within authorized program and statutory enforcement","Regulator may enforce; complete private claim procedure not established","Actual bond amount, scope, enforcement and remaining proceeds required"],["Federal approved-agency surety/fidelity","Protected clients and risks defined by applicable regulations and instrument","Prior approval for cancellation/amount changes; direct consumer claim procedure not established from examined clauses","State credits, fidelity deductible, contractor alternatives and actual policy/bond terms"],["Trustee bond","Beneficiaries/protected interests under trust, order and bond","Actual trust/order/bond controls; no generic numerical clock established here","Court-specified amount, liabilities and sureties; resignation does not erase prior liability"],["Client Protection Fund","Eligible claimant suffering defined lawyer dishonesty in lawyer-client relationship","Four years after knew or should have known; sworn claim; 30-day written reconsideration provision","Discretionary; exclusions; $15,000 annual approval threshold; no automatic entitlement"],["Private insurance","Insured/beneficiary or other claimant with applicable rights","Policy-specific notice, claim-made/occurrence, reporting, exhaustion and suit terms","Deductible, aggregate, exclusions, insured identity and defenses unexamined"]]},{"headers":["Asset or claim","Necessary legal inquiry"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Asset or claim","Necessary legal inquiry"],["Provider’s general assets","Ownership, secured claims, insolvency forum, allowed claims and applicable priority"],["Identifiable client-owned/trust property","Valid ownership/trust relationship, governing law, actual property and tracing"],["Commingled fund","Respective interests, records, withdrawals, replenishments and applicable tracing principles"],["Missing client money","Personal claim against responsible parties; possible bond, insurance or Fund claim only if independently eligible"],["Bond proceeds","Protected claimant, covered breach, instrument period, remaining penalty and enforcement process"],["Insurance proceeds","Insured risk, claimant rights, exclusions, deductible, limits and actual policy terms"],["Client Protection Fund payment","Discretionary reimbursement, not ownership of a preexisting insured fund or guaranteed debt"],["Statutory permissible investments","State statutory protection plus federal bankruptcy/avoidance analysis where applicable"]]},{"headers":["Form portion","Fields/undertakings actually examined"],"index":4,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Form portion","Fields/undertakings actually examined"],["Claimant information","Name, address, city/state/ZIP, telephone contacts, occupation, employer, work/contact information and email; office-use claim-number/receipt/amount fields"],["Questions 1–5","Lawyer identity; services; efforts to recover; amounts paid and supporting evidence; written/oral fee agreement"],["Questions 6–9","Amount/type/date of loss; discovery; alleged diversion and persons with knowledge"],["Questions 10–14","Current lawyer; litigation/judgment; bond/insurance/other recovery; relevant company/employment relationships; additional facts"],["Final-page undertakings","Sworn statement; cooperation/assignment; release/subrogation; certification; signature/date lines and notarial acknowledgment"]]},{"headers":["Source ID","Issuer/document and complete literal URL","Pinpoint, version, read extent and limitations"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Source ID","Issuer/document and complete literal URL","Pinpoint, version, read extent and limitations"],["S_WY-P4-S001","Wyoming Legislature, Title 33. https://wyoleg.gov/statutes/compress/title33.pdf","Fresh: complete Chapter 14, indices110–111; selected Chapter11 definitions/exclusions, indices85–88; §§107–110, indices92–95. Relevant images inspected. Official retrieved compilation; exact consolidation-through date unstated. No historical enactment-date verification."],["S_WY-P4-S002","Collection Agency Board rules, Chapter2, reproduced by Cornell LII. https://www.law.cornell.edu/regulations/wyoming/031-2-Wyo-Code-R-SS-2-4 ; https://www.law.cornell.edu/regulations/wyoming/031-2-Wyo-Code-R-SS-2-6 ; https://www.law.cornell.edu/regulations/wyoming/031-2-Wyo-Code-R-SS-2-8 ; https://www.law.cornell.edu/regulations/wyoming/031-2-Wyo-Code-R-SS-2-10","Fresh complete listed section bodies. Trust/financial provisions show amendment notes through November1,2023. Primary rule text on a secondary host; official adoption package not recovered. One chapter/access group, not four independent corroborations."],["S_WY-P4-S003","Collection Agency Board rules, Chapter3 §7, reproduced by Cornell. https://www.law.cornell.edu/regulations/wyoming/031-3-Wyo-Code-R-SS-3-7","Fresh complete termination section: Board notice, 30-day advance creditor-client notice and accounting/transfer information. Official-current-adoption verification held."],["S_WY-P4-S004","Collection Agency Board public procedure pages. https://wyomingcollectionagencyboard.wyo.gov/home/statutes-and-regulations ; https://wyomingcollectionagencyboard.wyo.gov/home/collection-license-application ; https://wyomingcollectionagencyboard.wyo.gov/home/applicationrenewal-forms","Fresh selected operational text. NMLS/renewal routes established; no authenticated blank bond or cancellation instrument. Linked rule files produced landing pages only; failed URLs in log."],["S_WY-P4-S005","Wyoming Legislature, Title40. https://wyoleg.gov/statutes/compress/title40.pdf","Fresh selected §§40-22-102–107, indices294–300, including complete security/investment clauses; sandbox §§40-29-103–104,106,109, relevant indices382–391. Images298–300,386,391 inspected. No full licensing/custody/remedies audit."],["S_WY-P4-S006","Banking rule Chapter2 §5, reproduced by Cornell. https://www.law.cornell.edu/regulations/wyoming/021-2-Wyo-Code-R-SS-2-5","Fresh entire body: annual renewal security based on prior July1–June30 Wyoming-resident average daily outstanding balance. Note: amended effective November16,2021. Official adoption chain not recovered."],["S_WY-P4-S007","Division of Banking, money-transmitter procedure. https://wyomingbankingdivision.wyo.gov/money-transmitters/application-forms","Fresh operational page: applications/license activity through NMLS. Does not authenticate a bond form, actual license, or electronic cancellation requirements."],["S_WY-P4-S008","Wyoming Secretary of State, Chapter11 Financial Technology Sandbox Rules. https://sos.wyo.gov/Investing/Docs/FinTechSandboxRules.pdf","Fresh complete two-page rule, §§1–6; both images read, indices0–1. Effective January1,2020. No later amendment-chain certificate; no detailed bond form in document."],["S_WY-P4-S009","Official sandbox procedure pages. https://wyomingbankingdivision.wyo.gov/banks-and-trust-companies/financial-technology-sandbox ; https://sos.wyo.gov/Investing/FTSResources.aspx ; https://sos.wyo.gov/Investing/FTSAppForm.aspx","Fresh selected pages; Secretary’s application page offers contact route rather than form body. Banking Drive application/rule links not substantively retrieved. No contacts or submissions."],["S_WY-P4-S010","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","Fresh order and operative professional-form provisions; five-page text examined, images0,3,4. Order November25,2025; effective January26,2026. No general insurance mandate inferred from employee-benefit clause."],["S_WY-P4-S011","Wyoming Supreme Court, Professional Conduct compilation. https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf","Fresh selected current Rule1.15, printedpp.66–71/indices65–70, including property, overdraft, advance/dispute and records clauses. Heading effective September21,2026; history July21 amendment. Image65 read; image68 failed. Separate amendment order unread."],["S_WY-P4-S012","Wyoming Supreme Court, Client Protection Fund Rules. https://www.wyocourts.gov/app/uploads/2025/01/RULES-FOR-THE-CLIENT-PROTECTION-FUND-1.pdf","Fresh complete Rules1–13, all six page images, printedpp.1–6/indices0–5. Added May16,2017, effective July1,2017. Currently linked official compilation; later independent policy maxima not recovered."],["S_WY-P4-S013","Wyoming State Bar, blank Fund claim form. https://www.wyomingbar.org/wp-content/uploads/Client-Protection-Fund-Statement-of-Claim-Fillable.pdf","Fresh all five pages and images, indices0–4. Label “Revised10/25”; not treated as an effective-date enactment. All fields and undertakings examined; no data entered."],["S_WY-P4-S014","Wyoming State Bar, generic Fund instructions. https://www.wyomingbar.org/for-the-public/client-protection-fund/","Fresh substantive public instructions. Operational guidance subordinate to court rules; no claim-status or lawyer lookup."],["S_WY-P4-S015","Wyoming Legislature, Title4 Trust Code. https://wyoleg.gov/statutes/compress/title04.pdf","Fresh selected §§4-10-102,105,509,702,705(d),809–810; indices3,9–10,36,49,52,64. Relevant security/property images read. Actual trust, governing law and instrument remain predicates."],["S_WY-P4-S016","Wyoming Legislature, Title17. https://wyoleg.gov/statutes/compress/title17.pdf","Fresh §17-19-1406 and selected adjacent dissolution-claim provisions; indices531–534, images531–532. Used for winding-up/title interface, not a complete dissolution/claims dossier."],["S_WY-P4-S017","U.S. House OLRC, Title11 access group. https://uscode.house.gov/us/usc/119-124/t11/s111/ ; https://uscode.house.gov/us/usc/119-124/t11/s541/ ; https://uscode.house.gov/us/usc/119-124/t11/s544/ ; https://uscode.house.gov/us/usc/119-124/t11/s507/ ; https://uscode.house.gov/us/usc/119-124/t11/s726/","Fresh selected operative §111(c), §541(a),(c),(d),(f), §544, §507(a)(7), §726. Bodies display laws through PL119-124, October15,2026. Later law not certified; future/conditional stablecoin material not used."],["S_WY-P4-S018","DOJ/eCFR, Part58 security access group. https://www.ecfr.gov/current/title-28/chapter-I/part-58/section-58.12 ; https://www.ecfr.gov/current/title-28/chapter-I/part-58/section-58.18 ; https://www.ecfr.gov/current/title-28/chapter-I/part-58/section-58.23","Fresh relevant definitions; complete §58.18 and §58.23 operative security provisions. Latest displayed currency October23,2026; Title28 last amended September30. Not a complete Federal Register audit through October27."],["S_WY-P4-S019","DOJ, 2013 final credit-counseling rule,78FR16138. https://www.govinfo.gov/content/pkg/FR-2013-03-14/pdf/2013-04361.pdf","Fresh selected dates, security explanation and operative §58.23, printedpp.16157–16158/indices19–20; images read. Effective April15,2013. Not all22 pages read. Current rule separately checked."],["S_WY-P4-S020","U.S. Trustee Program, application instructions. https://www.justice.gov/d9/pages/attachments/2016/12/22/cc_application_instructions.pdf","Fresh selected security instructions, printedpp.17–21/indices16–20; table image printedp.19/index18 read. Cover displays OMB approval expiration September30,2028; URL path is not version date. Not the complete application or a bond form."],["S_WY-P4-S021","U.S. Trustee Program, generic credit-counseling FAQ. https://www.justice.gov/ust/frequently-asked-questions-faqs-credit-counseling","Fresh selected bonding, fidelity, state-law and original-document instructions. Page update January15,2025 is not legal effective date. No agency roster used."],["S_WY-P4-S022","Judicial Conference, adjusted bankruptcy amounts,90FR8941–8942. https://www.govinfo.gov/content/pkg/FR-2025-02-04/pdf/2025-02207.pdf","Fresh notice and relevant table; printedp.8941/index0 image read. $3,800 §507(a)(7), cases commenced on/after April1,2025. No independent CPI calculation."],["S_WY-P4-S023","U.S. Supreme Court, Butner v. United States,440U.S.48. https://www.govinfo.gov/content/pkg/USREPORTS-440/pdf/USREPORTS-440-48.pdf","Official reporter PDF recovered after initial failure. Selected majority facts/analysis/disposition, pp.49–55,57–58; images55,57,58/indices7,9,10 read. February21,1979. Not full later-history review."],["S_WY-P4-S024","Tenth Circuit, In re Foster,275F.3d924, judicial text reproduced by Justia. https://law.justia.com/cases/federal/appellate-courts/F3/275/924/592274/","Fresh entire majority and footnotes; December26,2001. Pinpoints: paragraphs beginning “Property subject to a trust,” “The bankruptcy court failed,” concluding disposition, footnote2. No verified reporter page breaks in HTML; no comprehensive citator."],["S_WY-P4-S025","Wyoming Legislature, Title26. https://wyoleg.gov/statutes/compress/title26.pdf","Fresh selected §26-31-102 and relevant definition context; index661 image read. Surety exclusion only; not full insurance-guaranty or fidelity classification review."],["S_WY-P4-S026","FDIC/eCFR, deposit-ownership recognition. https://www.ecfr.gov/current/title-12/chapter-III/subchapter-B/part-330/section-330.5 ; https://www.ecfr.gov/current/title-12/chapter-III/subchapter-B/part-330/section-330.7","Fresh operative ownership/fiduciary provisions, especially §330.5(a)–(b), §330.7(a). Display through October23,2026. No actual bank/account or insured-amount determination."],["S_WY-P4-S027","NMLS generic checklist/ESB locators. https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx ; https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/esb/SitePages/Home.aspx","Fresh attempted access; no usable substantive body. Discovery/failure only, not authority for Wyoming-specific electronic bond requirements."]]},{"headers":["Claim ID","Precise assertion and trigger","Source/pinpoint","Conditions and limits"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion and trigger","Source/pinpoint","Conditions and limits"],["S_WY-P4-C001","A bond, insurance policy or security deposit does not authorize covered nonexcluded debt adjustment.","S001 §§33-14-101–103","High/text; actual classification remains necessary."],["S_WY-P4-C002","Chapter14’s conditional exclusions contain no special bond/capital/insurance schedule.","S001 complete chapter","Bounded text finding, not universal exemption."],["S_WY-P4-C003","Chapter11 collector protection applies in its creditor-side statutory context.","S001 §§33-11-101–102","Business-debt/attorney exclusions not transplanted into Chapter14."],["S_WY-P4-C004","Collector application requires a financial statement showing financial soundness.","S001 §33-11-107(b)","No numerical net-worth floor in this clause."],["S_WY-P4-C005","Approved collector applicant must file and maintain $10,000 security within20days after approval notice.","S001 §108(a)","Days as written; exact calendar computation not supplied."],["S_WY-P4-C006","Collector surety must be Wyoming-authorized; bond requires Board/AG approval and principal execution/acknowledgment.","S001 §108(a)","Actual issuer/instrument never queried."],["S_WY-P4-C007","$10,000 cash with State Treasurer is a statutory alternative.","S001 §108(a)","Complete cash-claim payout procedure not established."],["S_WY-P4-C008","Collector bond secures collected proceeds owed placing claimants, less contractual collection charges, for all placed debts.","S001 §108(b)–(c)","Not every debtor-side loss or misconduct allegation."],["S_WY-P4-C009","Surety aggregate liability under collector bond cannot exceed penalty.","S001 §108(c)","Prior payments/instrument period required; no statutory allocation rule established."],["S_WY-P4-C010","Collector bond claim goes to Board; suit allowed after surety fails to pay/settle within30days of Board notice.","S001 §108(c)","Not direct immediate-suit rule for this bond."],["S_WY-P4-C011","Collector bond action must commence within2years after license revocation/expiration; timely actions preserved.","S001 §109","Renewal/replacement interaction held; not discovery-based."],["S_WY-P4-C012","New bond/withdrawal ends former surety’s future-act exposure subject to §109; replacement due30days after specified notice.","S001 §108(d)–(e)","Does not erase accrued claims; nonreplacement terminates operating right."],["S_WY-P4-C013","Each collector office separately licensed; branch requirements apply.","S001 §110(a); S002 §2-8","Blanket versus separate penalties requires authenticated instruments."],["S_WY-P4-C014","Reproduced collector trust rule requires sufficient client funds; sole-debt-buyer exception requires stated attestations.","S002 §2-4","Official adoption chain held; not a bond exemption."],["S_WY-P4-C015","Reproduced rule requires prescribed financial form and statements not over6months old; annual renewal procedure exists.","S002 §§2-6,2-10; S004","Procedure not actual approval; exact blank financial form not relied on."],["S_WY-P4-C016","Reproduced closure rule requires30days’ advance creditor-client notice and specified accounting/transfer information.","S003 §3-7","Does not establish insolvency distribution priority."],["S_WY-P4-C017","Money-transmitter assurance applies only after actual Chapter22 activity/exemption/delegate analysis.","S005 §§40-22-102–104","Chapter14 exclusion does not establish this exemption; full flow analysis reserved."],["S_WY-P4-C018","Covered transmitter must maintain at least$25,000 GAAP net worth.","S005 §105(a)","Capital requirement, not segregated consumer recovery fund."],["S_WY-P4-C019","Transmitter security is greater of$10,000 or2.5×outstanding instruments, maximum$500,000; impairment adjustment authorized.","S005 §106(a)","Commissioner-approved form; actual base and order required."],["S_WY-P4-C020","Reproduced renewal rule uses preceding July1–June30 Wyoming-resident average daily outstanding balance.","S006 §2-5","Official adoption chain held; distinguish statutory definition and national investment base."],["S_WY-P4-C021","Transmitter security protects stated handling/payment obligations; claimant or commissioner may sue; surety aggregate capped.","S005 §106(a)","No collector30-day prerequisite imported; device terms still matter."],["S_WY-P4-C022","Approved substitute cash/securities secure same obligations, valued at lower principal/market amount.","S005 §106(b)","Permitted instruments, approval, interest and substitution conditions apply."],["S_WY-P4-C023","Transmitter cancellation requires30days’ prior commissioner notice; period-accrued liability preserved.","S005 §106(c)","Not authority to operate without required security."],["S_WY-P4-C024","Post-cessation security provision says no longer than5years, with stated earlier reduction/substitution powers.","S005 §106(d)","Not a minimum or claim limitation."],["S_WY-P4-C025","Permissible investments generally cover outstanding U.S. instruments; express commissioner waiver exists.","S005 §107(a)","Not the same base or asset as net worth/security."],["S_WY-P4-C026","§107(b) states bankruptcy-triggered trust for purchasers/holders, even if investments commingled.","S005 §107(b); S017 §§541,544","Federal interaction/tracing/priority unresolved; no guaranteed exclusion."],["S_WY-P4-C027","Authorized sandbox participant must post risk-based consumer bond of at least$10,000, adjustable by regulator.","S005 §40-29-104(h)","Actual authorization, risk order and instrument held."],["S_WY-P4-C028","Unenforced sandbox bond cancels/expires2years after end of participation under statutory clause.","S005 §104(h)","Enforcement exception preserved; not universal suit deadline."],["S_WY-P4-C029","Sandbox regulator may enforce bond to offset consumer losses.","S005 §109(b)","Private direct action, allocation and detailed form not established."],["S_WY-P4-C030","Sandbox does not waive Chapter14 or make state guarantor of participant losses.","S005 §§103,106; S008","Final rules/application route do not establish provider permission."]]},{"headers":["Claim ID","Precise assertion and trigger","Source/pinpoint","Conditions and limits"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion and trigger","Source/pinpoint","Conditions and limits"],["S_WY-P4-C031","Part58 security applies to defined nonprofit applicant/approved agency offering or having offered repayment plans.","S017 §111(c); S018 §§58.12,58.23","Not all nonprofits; actual approval never queried."],["S_WY-P4-C032","Covered agency needs adequate resources over plan life, protected trust arrangements and prescribed audit safeguards.","S017 §111(c); S018 §58.23(a)–(c)","Qualitative resources not universal capital dollar amount."],["S_WY-P4-C033","Federal surety payable to U.S. equals greater of$5,000 and lesser of2% qualifying12-month disbursements or6-month average daily balance.","S018 §58.23(d)(1)","Geographic attribution and actual data required."],["S_WY-P4-C034","State-security credit requires qualifying state-license security protecting agency clients and satisfying obligee conditions.","S018 §58.23(d)(2)","Collector bond not automatically equivalent; credit limited as stated."],["S_WY-P4-C035","Employee bond/fidelity amount is50% of pre-offset surety calculation, minimum$5,000.","S018 §58.23(e)(1)","Do not calculate after surety credit."],["S_WY-P4-C036","Fidelity credit requires qualifying state employee coverage and reasonable deductible; credit limited by specified comparison.","S018 §58.23(e)(2)","Actual coverage/deductible/resources held."],["S_WY-P4-C037","Contractor alternatives include approved status, coverage or own security/audit agreement; five-day branch specifies$500,000; EFT exception conditional.","S018 §58.23(d)(3)","No general processor exemption; “days” not rewritten as business days."],["S_WY-P4-C038","Cancellation/amount changes in federal agency surety/fidelity require prior U.S. Trustee approval.","S018 §58.18(a)–(b)","Applicant amended-application provision also applies."],["S_WY-P4-C039","Existing plans retain security duties after new-plan cessation; waiver requires stated transfer/60-day/notice or hardship conditions.","S018 §58.23(f)","Waiver not automatic."],["S_WY-P4-C040","Regulations/instructions alone do not establish every direct consumer bond claim, issuer or defense term.","S018–S021","Authenticated blank instrument missing; exact contract gap."],["S_WY-P4-C041","Current professional funds body is Rule1.15 effectiveSept21,2026.","S011 current heading/history","Separate July21 order not recovered."],["S_WY-P4-C042","Client property, unearned advances and disputed portions remain subject to professional separation/entitlement protections.","S011 Rule1.15(a),(d)–(g)","Actual earning, ownership and disputes held; not insurance."],["S_WY-P4-C043","Overdraft monitoring requires institutional arrangements but creates no stated third-party-beneficiary contract/duty.","S011 Rule1.15(b)(1)","Monitoring is not compensation coverage."],["S_WY-P4-C044","Rule10 preserves responsibility for own professional acts; no fixed universal insurance/bond/capital mandate established there.","S010 operative Rule10","Bounded reading, not all-law negative conclusion."],["S_WY-P4-C045","Actual trustee bond depends on court necessity or trust terms; court controls amount/liabilities/sureties.","S015 §§105(b)(vi),702","Financial-institution exception and trust terms preserved."],["S_WY-P4-C046","Trustee resignation does not discharge prior trustee/surety liability.","S015 §705(d)","Actual bond/order and other claim rules required."],["S_WY-P4-C047","Trust property is not trustee’s personal-obligation property, including insolvency/bankruptcy.","S015 §509","Valid trust and identified property required; federal overlay separate."],["S_WY-P4-C048","Trust records, separation and interest identification are required under applicable Code provisions.","S015 §§102,105,809–810","Actual trust/governing law; permitted pooled investment does not erase interests."]]},{"headers":["Claim ID","Precise assertion and trigger","Source/pinpoint","Conditions and limits"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion and trigger","Source/pinpoint","Conditions and limits"],["S_WY-P4-C049","Fund loss must arise from defined lawyer dishonesty and lawyer-client relationship.","S012 Rules1,3(a)","Death/incapacity or poor outcome alone not automatic payment."],["S_WY-P4-C050","Fund claim deadline is4years after knew/should have known dishonesty.","S012 Rule3(b)","No actual date/holiday computation."],["S_WY-P4-C051","Fund excludes specified related-party, covered-insurance, financial-institution, controlled-entity, government, investment and consequential losses.","S012 Rule3(c)","Exact categories and “to extent covered” preserved."],["S_WY-P4-C052","Extreme hardship/special unusual circumstances can support discretionary exception; interstate sharing factors apply.","S012 Rule3(d)–(f)","Not guaranteed waiver or automatic residence-based entitlement."],["S_WY-P4-C053","Fund requires approved sworn claim and satisfactory loss evidence; recovery/coverage information required.","S012 Rules4–5","No universal civil judgment/conviction prerequisite established."],["S_WY-P4-C054","More than$15,000 per claimant/calendar year needs prior Board approval; payment remains discretionary.","S012 Rules6(b),7","Not absolute lifetime/per-loss cap or entitlement."],["S_WY-P4-C055","Committee may fix maxima; no separate current maximum/per-lawyer aggregate authenticated.","S012 Rule6(a)","Exact additional policy remains held."],["S_WY-P4-C056","Lawyer response20days; claimant/lawyer written reconsideration30days; rules provide finality.","S012 Rule5(b),(d),(f)–(g)","Fund finding not disciplinary finding; external review questions not resolved."],["S_WY-P4-C057","Fund receives assignment/subrogation; later excess recovery repayable, capped at Fund payment.","S012 Rule10(b)–(e)","Preserve unreimbursed-loss subtraction; no double recovery."],["S_WY-P4-C058","Public claim form was fully examined but contains identified form/rule/signature discrepancies.","S012 Rules4,10,12; S013–S014","No completed filing or operational approval."],["S_WY-P4-C059","Estate generally includes debtor interests; §541(d) preserves others’ equitable interests to the proven extent.","S017 §541(a),(d)","Trust label alone insufficient; actual property/tracing required."],["S_WY-P4-C060","Federal bankruptcy-trigger/avoidance provisions must be assessed before declaring state security immune.","S017 §§541(c),544","No automatic invalidity or immunity conclusion for §40-22-107(b)."],["S_WY-P4-C061","Nonprofit dissolution requires winding up/provision for liabilities and does not itself transfer title.","S016 §17-19-1406","Actual asset conditions and governing law remain necessary."],["S_WY-P4-C062","Qualifying §507(a)(7) individual consumer deposits have$3,800 adjusted priority for post-Apr1,2025 cases.","S017 §507(a)(7); S022","Not all program funds; not guaranteed payment or claim-size cap."],["S_WY-P4-C063","Chapter7 §726 distribution rules apply in their federal estate context.","S017 §726(a)–(b)","Not collector-bond allocation or universal insolvency procedure."],["S_WY-P4-C064","Butner uses state property law absent controlling federal reason; affirmed lower appellate judgment.","S023 pp.55,57–58","Historical Bankruptcy Act/property facts; not Wyoming trust adjudication."],["S_WY-P4-C065","Foster required equitable consideration of similarly situated victims before tracing fiction; reversed/remanded.","S024 majority andfn.2","Colorado trust law; no per-se constructive-trust ban adopted."],["S_WY-P4-C066","FDIC fiduciary recognition depends on actual ownership/disclosure/records; agent deposits treated under principal’s coverage.","S026 §§330.5,330.7(a)","No actual insured amount, new category, or nonbank-loss guarantee."],["S_WY-P4-C067","Wyoming Insurance Guaranty Association Act excludes surety.","S025 §26-31-102","Other insurance classifications/regimes not decided."],["S_WY-P4-C068","Private insurance recovery requires actual policy, insured risk, claimant rights, exclusions and limits.","Instrument gap; S025 scope boundary","No policy examined; no mandatory coverage or payout inferred."],["S_WY-P4-C069","Public NMLS/sandbox instructions establish routes, not authenticated security forms or actual approval.","S004,S007–S009,S027","Electronic bond/cancellation specifics remain held."],["S_WY-P4-C070","Source currency is limited to displayed compilations/versions; webpage dates are not enactment dates.","Source register","No complete amendment/citator certificate."],["S_WY-P4-C071","Negative searches and missing instruments do not establish absence of law or security.","Failure/coverage registers","Exact later investigation remains identified."]]},{"headers":["Authority","Facts and posture","Majority holding/disposition","Read extent and later-history limits"],"index":9,"links":[],"row_links":[[],[],[],[]],"rows":[["Authority","Facts and posture","Majority holding/disposition","Read extent and later-history limits"],["Butner v. United States, U.S. Supreme Court, February21,1979,440U.S.48","Second mortgagee claimed rents collected during bankruptcy. Bankruptcy judge denied secured treatment; district court reversed; Fourth Circuit restored denial.","Property/security interests ordinarily derive from state law absent a controlling federal reason otherwise. Supreme Court declined to redecide the particular North Carolina issue and affirmed. Relevant pp.55,57–58.","Official reporter recovered; selected majority facts, reasoning and disposition read, with images. Historical Bankruptcy Act context. Foster’s later reliance was actually read; no comprehensive citator."],["In re Foster, Tenth Circuit, December26,2001,275F.3d924","Ponzi-scheme funds commingled; one investor received postpetition transfers. Bankruptcy court imposed constructive trust using lowest-intermediate-balance reasoning; district court affirmed.","Bankruptcy court failed to assess whether tracing fiction unfairly elevated one victim over similarly situated creditors. Reversed and remanded. Footnote2 expressly declined the broader per-se argument.","Entire majority and footnotes read from reproduced judicial text. Colorado trust law, not a Wyoming-specific trust holding. No complete later-history review."],["Wyoming-specific security priority opinions","Official/public searches did not produce a fully examined controlling opinion resolving the specific collector allocation, §40-22-107(b) bankruptcy interaction, or current Fund maximum questions.","No absence-of-law inference.","Exact questions remain for a later published-opinion/citator investigation; no docket or actual case-status search was made."]]},{"headers":["Posture","Required distinction"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Posture","Required distinction"],["“Our $10,000 bond covers every customer loss.”","Protected persons, conduct, period and remaining aggregate must match."],["“The bond renewed, so the penalty automatically doubled.”","Renewal/reinstatement and aggregate language were not authenticated."],["“The provider stopped business, so all prior liability vanished.”","Applicable continuing-liability, replacement and claim provisions remain."],["“Five-year transmitter retention means every claim has five years.”","Retention and suit limitations are different."],["“The Fund pays up to $15,000 to everyone.”","Eligibility, discretion, approval threshold and any separate maximum policy differ."],["“A trust label guarantees first priority.”","Actual ownership, tracing and federal avoidance must be established."],["“FDIC coverage protects against the advisor’s theft.”","Deposit-ownership rules do not establish professional theft coverage."],["“The surety failed, so the Wyoming guaranty association pays.”","The examined Act expressly excludes surety."],["“Federal agency approval overrides Wyoming prohibition.”","No such state-law permission was established."],["“NMLS accepted a filing, so the bond and activity are authorized.”","Filing route, legal scope, instrument approval and actual status are separate."]]},{"headers":["Assigned issue/subquestion","Status","Claims/examples","Exact missing evidence and next bounded action"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Assigned issue/subquestion","Status","Claims/examples","Exact missing evidence and next bounded action"],["1—Prohibited versus excluded actor","Answered at legal-text level","C001–C003; E1","Actual activity, fee source, entity, remote/business/mixed predicates remain unproved."],["1—Chapter14 nonprofit security","Bounded answer","C002,C031","No special schedule in chapter; evaluate additional regime only on actual qualifying facts."],["1—Attorney/professional form assurance","Partial","C041–C044,E3","No universal insurance conclusion; other role-specific court/contract requirements remain open."],["1—Collector classification and financial soundness","Answered with rule-source limit","C003–C016,E1–E2","Official current rule/adoption package and actual licensed activity not verified."],["1—Sandbox requirements","Answered statutory core","C027–C030","Actual authorization/risk order/bond terms absent."],["1—Conditional federal nonprofit branch","Answered at rule level","C031–C039,E6","Actual federal/state qualification and financial data held."],["1—Money-transmitter assurance interface","Answered conditional core","C017–C026,E5","Full P03 activity/exemption analysis remains outside this pass."],["2—Collector parties/amount/issuer/approval","Answered","C005–C009","Authenticated generic bond instrument not recovered."],["2—Collector per-office/aggregate/renewal","Partial","C009,C013,E2","Blanket scope, reinstatement and renewal aggregation wording."],["2—Collector cancellation/replacement/liability","Answered statutory core","C011–C012","Particular bond periods and renewal interpretation held."],["2—Cash substitute","Partial","C007","Public payout/interpleader procedure and complete generic deposit instrument."],["2—Transmitter amount/base/capital/reserves","Answered with official-rule gap","C018–C025,E5","Official adoption chain; accepted measurement and actual commissioner decisions."],["2—Transmitter issuer/device terms","Partial","C019,C021–C024","Commissioner-approved blank instrument, issuer qualification and contract defenses."],["2—Sandbox instrument","Partial","C027–C030","Issuer, form, aggregate, claim period and detailed cancellation wording."],["2—Federal surety/fidelity calculations","Answered","C033–C039,E6","Actual data, credits, deductible, contractor arrangements and instruments."],["2—Trustee security","Answered conditionally","C045–C046","Actual trust/order/bond amount, beneficiaries and conditions."],["3—Collector standing/loss/notice/suit clock","Answered","C008–C012,E1–E2","Actual coverage and expiration facts; no calendar computed."],["3—Multiple claims/prior payments/allocation","Partial","C009,E2","Applicable allocation procedure, contract and adjudication; no forced pro rata."],["3—Transmitter private/regulator enforcement","Answered statutory core","C021–C024","General limitations and complete instrument terms not investigated."],["3—Sandbox consumer claim procedure","Unresolved beyond regulator route","C029","Authenticated private-action authority or bond terms."],["3—Federal agency direct consumer claim","Unresolved instrument-level","C040","Approved generic bond/policy and governing claim provisions."],["3—Trustee-bond claim procedure","Conditional/held","C045–C046","Actual order/instrument and applicable specific claim rules."],["3—Fund eligibility/clock/reconsideration","Answered","C049–C058,E3","Actual facts and any separate current maximum policy absent."],["4—General assets versus client property","Answered framework","C047–C048,C059–C061,E4","Title, governing law, records and tracing."],["4—Commingled shortfall","Partial","C060,C065,E4","Applicable tracing and similarly situated claimants; no factual adjudication."],["4—§40-22-107(b) bankruptcy priority","Unresolved interpretation","C026,C060","Controlling published authority on federal interaction and tracing."],["4—Nonprofit dissolution","Answered interface only","C061","Full dissolution notice/claims, receivership and distribution process remain later work."],["4—Federal priority/distribution","Answered conditional gateway","C059–C065,E4","Actual chapter, allowed claims, secured/admin claims, avoidance and estate assets."],["4—Bond/insurance proceeds versus estate property","Partial","C021,C059,C068","Instrument ownership, beneficiary and federal property/avoidance analysis."],["5—Current trust safeguards","Answered selected body","C041–C043","Separate July21,2026 amendment order still unread."],["5—Mandatory professional insurance","Not established universally","C044,C068","Additional role-specific authority/policy; silence not affirmative exemption."],["5—Fund exclusions/last-resort features","Answered","C049–C053,E3","Actual other coverage and recovery efforts; no universal exhaustion rule invented."],["5—Fund limits and aggregates","Partial","C054–C055","Separate Committee policy maximum/per-lawyer aggregate not recovered."],["5—Fund subrogation/later recovery","Answered","C057,E3","Actual award and later recovery held."],["5—Deposit/insurer protection","Answered narrow boundary","C066–C068","Full FDIC/NCUA category calculation, policy classification and insurer-insolvency regime excluded."],["6—Electronic bond/renewal/cancellation forms","Partial","C069","Wyoming-specific authenticated public ESB forms/checklists not recovered."],["6—Complete relevant blank form","Answered for Fund form","C058","Form/rule discrepancies remain unresolved; no submission."],["6—Historical/current/adoption chain","Partial","C070","Official collector/transmitter adoption chain and separate professional amendment order missing."],["6—Source absence/negative search","Qualified hold","C071","No absence-of-law conclusion; targeted public-source recovery remains necessary."]]},{"headers":["Reviewed remainder","This pass’s contribution","Not accepted or completed"],"index":12,"links":[],"row_links":[[],[]],"rows":[["Reviewed remainder","This pass’s contribution","Not accepted or completed"],["P01 retained trust accounts, bonds, financial assurance and security-priority work for later investigation. The reviewed access/fee component did not establish general security protection.","Authenticated collector security and claim clocks; transmitter capital/security/investment interfaces; sandbox bond; conditional federal approved-agency surety/fidelity regime; trustee-bond authority; current professional safeguards; complete Fund rules and blank form; bankruptcy ownership/priority gateway; conserved hypothetical models.","P02/P03 findings as premises; full financial/insurance/receivership or remedies audit; actual status/coverage/claims; complete official rule/adoption chain; state-parent, component, A066, operations or publication acceptance."]]},{"headers":["Exact route","Result and treatment"],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Exact route","Result and treatment"],["https://drive.google.com/file/d/1OQMQEBzuHpeMuz_c6yzJaQBWcPF2ASd9/view?usp=drive_link","Official collector Chapter2 link produced a landing page, not examined rule body. Cornell reproduction separately read with provenance limitation."],["https://drive.google.com/file/d/1bFN8htHgRgaT0gv7g1D9dRWEPRI-oLui/view?usp=drive_link","Same limitation for Chapter3."],["https://drive.google.com/file/d/1_MeSVLCtJT68HhsET66N5XZwxtMyc6JY/view?usp=sharing","Sandbox application landing only; not an examined form."],["https://drive.google.com/file/d/1TF7GTgtZvFw0M6zohYRqhCNDMoO9ONEk/view?usp=sharing","Banking sandbox rule landing only; separate Secretary final-rule PDF was read."],["https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","No usable substantive checklist body."],["https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/esb/SitePages/Home.aspx","No usable substantive ESB body."],["https://www.wyocourts.gov/rule-amendments/","Separate July21,2026 Rule1.15 order not recovered. Compilation heading/history is not represented as that order."],["https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf — image index68","Image request returned a JavaScript/verification page. Parsed operative text was read; image65 was successfully inspected. No workaround used."],["https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title11-section541&num=0&edition=prelim","Initial route failed; dated OLRC PL119-124 body later recovered."],["https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title11-section544&num=0&edition=prelim","Same treatment."],["https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title11-section507&num=0&edition=prelim","Same treatment."],["https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title11-section726&num=0&edition=prelim","Same treatment."],["https://www.govinfo.gov/content/pkg/USREPORTS-440/pdf/USREPORTS-440-48.pdf","Initial retrieval failed; later successful official PDF and page-image reads are credited, not the failed attempt."],["https://www.fdic.gov/consumer-resource-center/2024-06/banking-third-party-apps","403; not relied on as a freshly read body."],["https://www.fdic.gov/financial-institution-employees-guide-deposit-insurance/pass-through-deposit-insurance-coverage","403; operative eCFR ownership provisions used instead."]]}],"claims":[{"claim_id":"S_WY-P4-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C001","Precise assertion and trigger":"A bond, insurance policy or security deposit does not authorize covered nonexcluded debt adjustment.","Source/pinpoint":"S001 §§33-14-101–103","Conditions and limits":"High/text; actual classification remains necessary."},"coordinator_verification_status":"explicit_dated_Chapter14_body_checked_bounded_only","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Sameprogramgenericentirechapter; nosecuritypermissionoruniversalnegativefinding.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C002","Precise assertion and trigger":"Chapter14’s conditional exclusions contain no special bond/capital/insurance schedule.","Source/pinpoint":"S001 complete chapter","Conditions and limits":"Bounded text finding, not universal exemption."},"coordinator_verification_status":"explicit_dated_Chapter14_body_checked_bounded_only","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Sameprogramgenericentirechapter; nosecuritypermissionoruniversalnegativefinding.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C003","Precise assertion and trigger":"Chapter11 collector protection applies in its creditor-side statutory context.","Source/pinpoint":"S001 §§33-11-101–102","Conditions and limits":"Business-debt/attorney exclusions not transplanted into Chapter14."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_instrument_boundary_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalassertion/trigger/source/conditionsreconciled. Noallclaim/currentness/actualapplicationacceptance.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C004","Precise assertion and trigger":"Collector application requires a financial statement showing financial soundness.","Source/pinpoint":"S001 §33-11-107(b)","Conditions and limits":"No numerical net-worth floor in this clause."},"coordinator_verification_status":"fresh_complete_collector_bond_claim_clauses_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"107b/108–110; actualclaimant/authorizedcharge,period/priorpayments/renewals/bondterms/calendarheld; noautomaticallocation.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C005","Precise assertion and trigger":"Approved collector applicant must file and maintain $10,000 security within20days after approval notice.","Source/pinpoint":"S001 §108(a)","Conditions and limits":"Days as written; exact calendar computation not supplied."},"coordinator_verification_status":"fresh_complete_collector_bond_claim_clauses_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"107b/108–110; actualclaimant/authorizedcharge,period/priorpayments/renewals/bondterms/calendarheld; noautomaticallocation.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C006","Precise assertion and trigger":"Collector surety must be Wyoming-authorized; bond requires Board/AG approval and principal execution/acknowledgment.","Source/pinpoint":"S001 §108(a)","Conditions and limits":"Actual issuer/instrument never queried."},"coordinator_verification_status":"fresh_complete_collector_bond_claim_clauses_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"107b/108–110; actualclaimant/authorizedcharge,period/priorpayments/renewals/bondterms/calendarheld; noautomaticallocation.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C007","Precise assertion and trigger":"$10,000 cash with State Treasurer is a statutory alternative.","Source/pinpoint":"S001 §108(a)","Conditions and limits":"Complete cash-claim payout procedure not established."},"coordinator_verification_status":"fresh_complete_collector_bond_claim_clauses_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"107b/108–110; actualclaimant/authorizedcharge,period/priorpayments/renewals/bondterms/calendarheld; noautomaticallocation.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C008","Precise assertion and trigger":"Collector bond secures collected proceeds owed placing claimants, less contractual collection charges, for all placed debts.","Source/pinpoint":"S001 §108(b)–(c)","Conditions and limits":"Not every debtor-side loss or misconduct allegation."},"coordinator_verification_status":"fresh_complete_collector_bond_claim_clauses_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"107b/108–110; actualclaimant/authorizedcharge,period/priorpayments/renewals/bondterms/calendarheld; noautomaticallocation.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C009","Precise assertion and trigger":"Surety aggregate liability under collector bond cannot exceed penalty.","Source/pinpoint":"S001 §108(c)","Conditions and limits":"Prior payments/instrument period required; no statutory allocation rule established."},"coordinator_verification_status":"fresh_complete_collector_bond_claim_clauses_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"107b/108–110; actualclaimant/authorizedcharge,period/priorpayments/renewals/bondterms/calendarheld; noautomaticallocation.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C010","Precise assertion and trigger":"Collector bond claim goes to Board; suit allowed after surety fails to pay/settle within30days of Board notice.","Source/pinpoint":"S001 §108(c)","Conditions and limits":"Not direct immediate-suit rule for this bond."},"coordinator_verification_status":"fresh_complete_collector_bond_claim_clauses_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"107b/108–110; actualclaimant/authorizedcharge,period/priorpayments/renewals/bondterms/calendarheld; noautomaticallocation.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C011","Precise assertion and trigger":"Collector bond action must commence within2years after license revocation/expiration; timely actions preserved.","Source/pinpoint":"S001 §109","Conditions and limits":"Renewal/replacement interaction held; not discovery-based."},"coordinator_verification_status":"fresh_complete_collector_bond_claim_clauses_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"107b/108–110; actualclaimant/authorizedcharge,period/priorpayments/renewals/bondterms/calendarheld; noautomaticallocation.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C012","Precise assertion and trigger":"New bond/withdrawal ends former surety’s future-act exposure subject to §109; replacement due30days after specified notice.","Source/pinpoint":"S001 §108(d)–(e)","Conditions and limits":"Does not erase accrued claims; nonreplacement terminates operating right."},"coordinator_verification_status":"fresh_complete_collector_bond_claim_clauses_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"107b/108–110; actualclaimant/authorizedcharge,period/priorpayments/renewals/bondterms/calendarheld; noautomaticallocation.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C013","Precise assertion and trigger":"Each collector office separately licensed; branch requirements apply.","Source/pinpoint":"S001 §110(a); S002 §2-8","Conditions and limits":"Blanket versus separate penalties requires authenticated instruments."},"coordinator_verification_status":"fresh_complete_collector_bond_claim_clauses_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"107b/108–110; actualclaimant/authorizedcharge,period/priorpayments/renewals/bondterms/calendarheld; noautomaticallocation.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C014","Precise assertion and trigger":"Reproduced collector trust rule requires sufficient client funds; sole-debt-buyer exception requires stated attestations.","Source/pinpoint":"S002 §2-4","Conditions and limits":"Official adoption chain held; not a bond exemption."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_instrument_boundary_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalassertion/trigger/source/conditionsreconciled. Noallclaim/currentness/actualapplicationacceptance.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C015","Precise assertion and trigger":"Reproduced rule requires prescribed financial form and statements not over6months old; annual renewal procedure exists.","Source/pinpoint":"S002 §§2-6,2-10; S004","Conditions and limits":"Procedure not actual approval; exact blank financial form not relied on."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_instrument_boundary_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalassertion/trigger/source/conditionsreconciled. Noallclaim/currentness/actualapplicationacceptance.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C016","Precise assertion and trigger":"Reproduced closure rule requires30days’ advance creditor-client notice and specified accounting/transfer information.","Source/pinpoint":"S003 §3-7","Conditions and limits":"Does not establish insolvency distribution priority."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_instrument_boundary_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalassertion/trigger/source/conditionsreconciled. Noallclaim/currentness/actualapplicationacceptance.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C017","Precise assertion and trigger":"Money-transmitter assurance applies only after actual Chapter22 activity/exemption/delegate analysis.","Source/pinpoint":"S005 §§40-22-102–104","Conditions and limits":"Chapter14 exclusion does not establish this exemption; full flow analysis reserved."},"coordinator_verification_status":"fresh_selected_official_security_sandbox_text_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Exactreadmap105–107and103/104h/106disclaimer/109; fullclassification/federalinteraction/privateform/actualriskorderandlossheld.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C018","Precise assertion and trigger":"Covered transmitter must maintain at least$25,000 GAAP net worth.","Source/pinpoint":"S005 §105(a)","Conditions and limits":"Capital requirement, not segregated consumer recovery fund."},"coordinator_verification_status":"fresh_selected_official_security_sandbox_text_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Exactreadmap105–107and103/104h/106disclaimer/109; fullclassification/federalinteraction/privateform/actualriskorderandlossheld.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C019","Precise assertion and trigger":"Transmitter security is greater of$10,000 or2.5×outstanding instruments, maximum$500,000; impairment adjustment authorized.","Source/pinpoint":"S005 §106(a)","Conditions and limits":"Commissioner-approved form; actual base and order required."},"coordinator_verification_status":"fresh_selected_official_security_sandbox_text_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Exactreadmap105–107and103/104h/106disclaimer/109; fullclassification/federalinteraction/privateform/actualriskorderandlossheld.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C020","Precise assertion and trigger":"Reproduced renewal rule uses preceding July1–June30 Wyoming-resident average daily outstanding balance.","Source/pinpoint":"S006 §2-5","Conditions and limits":"Official adoption chain held; distinguish statutory definition and national investment base."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_instrument_boundary_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalassertion/trigger/source/conditionsreconciled. Noallclaim/currentness/actualapplicationacceptance.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C021","Precise assertion and trigger":"Transmitter security protects stated handling/payment obligations; claimant or commissioner may sue; surety aggregate capped.","Source/pinpoint":"S005 §106(a)","Conditions and limits":"No collector30-day prerequisite imported; device terms still matter."},"coordinator_verification_status":"fresh_selected_official_security_sandbox_text_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Exactreadmap105–107and103/104h/106disclaimer/109; fullclassification/federalinteraction/privateform/actualriskorderandlossheld.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C022","Precise assertion and trigger":"Approved substitute cash/securities secure same obligations, valued at lower principal/market amount.","Source/pinpoint":"S005 §106(b)","Conditions and limits":"Permitted instruments, approval, interest and substitution conditions apply."},"coordinator_verification_status":"fresh_selected_official_security_sandbox_text_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Exactreadmap105–107and103/104h/106disclaimer/109; fullclassification/federalinteraction/privateform/actualriskorderandlossheld.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C023","Precise assertion and trigger":"Transmitter cancellation requires30days’ prior commissioner notice; period-accrued liability preserved.","Source/pinpoint":"S005 §106(c)","Conditions and limits":"Not authority to operate without required security."},"coordinator_verification_status":"fresh_selected_official_security_sandbox_text_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Exactreadmap105–107and103/104h/106disclaimer/109; fullclassification/federalinteraction/privateform/actualriskorderandlossheld.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C024","Precise assertion and trigger":"Post-cessation security provision says no longer than5years, with stated earlier reduction/substitution powers.","Source/pinpoint":"S005 §106(d)","Conditions and limits":"Not a minimum or claim limitation."},"coordinator_verification_status":"fresh_selected_official_security_sandbox_text_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Exactreadmap105–107and103/104h/106disclaimer/109; fullclassification/federalinteraction/privateform/actualriskorderandlossheld.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C025","Precise assertion and trigger":"Permissible investments generally cover outstanding U.S. instruments; express commissioner waiver exists.","Source/pinpoint":"S005 §107(a)","Conditions and limits":"Not the same base or asset as net worth/security."},"coordinator_verification_status":"fresh_selected_official_security_sandbox_text_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Exactreadmap105–107and103/104h/106disclaimer/109; fullclassification/federalinteraction/privateform/actualriskorderandlossheld.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C026","Precise assertion and trigger":"§107(b) states bankruptcy-triggered trust for purchasers/holders, even if investments commingled.","Source/pinpoint":"S005 §107(b); S017 §§541,544","Conditions and limits":"Federal interaction/tracing/priority unresolved; no guaranteed exclusion."},"coordinator_verification_status":"fresh_selected_official_security_sandbox_text_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Exactreadmap105–107and103/104h/106disclaimer/109; fullclassification/federalinteraction/privateform/actualriskorderandlossheld.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C027","Precise assertion and trigger":"Authorized sandbox participant must post risk-based consumer bond of at least$10,000, adjustable by regulator.","Source/pinpoint":"S005 §40-29-104(h)","Conditions and limits":"Actual authorization, risk order and instrument held."},"coordinator_verification_status":"fresh_selected_official_security_sandbox_text_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Exactreadmap105–107and103/104h/106disclaimer/109; fullclassification/federalinteraction/privateform/actualriskorderandlossheld.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C028","Precise assertion and trigger":"Unenforced sandbox bond cancels/expires2years after end of participation under statutory clause.","Source/pinpoint":"S005 §104(h)","Conditions and limits":"Enforcement exception preserved; not universal suit deadline."},"coordinator_verification_status":"fresh_selected_official_security_sandbox_text_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Exactreadmap105–107and103/104h/106disclaimer/109; fullclassification/federalinteraction/privateform/actualriskorderandlossheld.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C029","Precise assertion and trigger":"Sandbox regulator may enforce bond to offset consumer losses.","Source/pinpoint":"S005 §109(b)","Conditions and limits":"Private direct action, allocation and detailed form not established."},"coordinator_verification_status":"fresh_selected_official_security_sandbox_text_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Exactreadmap105–107and103/104h/106disclaimer/109; fullclassification/federalinteraction/privateform/actualriskorderandlossheld.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C030","Precise assertion and trigger":"Sandbox does not waive Chapter14 or make state guarantor of participant losses.","Source/pinpoint":"S005 §§103,106; S008","Conditions and limits":"Final rules/application route do not establish provider permission."},"coordinator_verification_status":"fresh_selected_official_security_sandbox_text_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Exactreadmap105–107and103/104h/106disclaimer/109; fullclassification/federalinteraction/privateform/actualriskorderandlossheld.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C031","Precise assertion and trigger":"Part58 security applies to defined nonprofit applicant/approved agency offering or having offered repayment plans.","Source/pinpoint":"S017 §111(c); S018 §§58.12,58.23","Conditions and limits":"Not all nonprofits; actual approval never queried."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_instrument_boundary_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalassertion/trigger/source/conditionsreconciled. Noallclaim/currentness/actualapplicationacceptance.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C032","Precise assertion and trigger":"Covered agency needs adequate resources over plan life, protected trust arrangements and prescribed audit safeguards.","Source/pinpoint":"S017 §111(c); S018 §58.23(a)–(c)","Conditions and limits":"Qualitative resources not universal capital dollar amount."},"coordinator_verification_status":"fresh_complete_5823_5818_bodies_checked_qualification_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Actualagency/data/geography/statecredit/contractor/waiverpredicatesremain;58.12/111notnewlyread. CurrentnessdisplayOct23only.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C033","Precise assertion and trigger":"Federal surety payable to U.S. equals greater of$5,000 and lesser of2% qualifying12-month disbursements or6-month average daily balance.","Source/pinpoint":"S018 §58.23(d)(1)","Conditions and limits":"Geographic attribution and actual data required."},"coordinator_verification_status":"fresh_complete_5823_5818_bodies_checked_qualification_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Actualagency/data/geography/statecredit/contractor/waiverpredicatesremain;58.12/111notnewlyread. CurrentnessdisplayOct23only.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C034","Precise assertion and trigger":"State-security credit requires qualifying state-license security protecting agency clients and satisfying obligee conditions.","Source/pinpoint":"S018 §58.23(d)(2)","Conditions and limits":"Collector bond not automatically equivalent; credit limited as stated."},"coordinator_verification_status":"fresh_complete_5823_5818_bodies_checked_qualification_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Actualagency/data/geography/statecredit/contractor/waiverpredicatesremain;58.12/111notnewlyread. CurrentnessdisplayOct23only.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C035","Precise assertion and trigger":"Employee bond/fidelity amount is50% of pre-offset surety calculation, minimum$5,000.","Source/pinpoint":"S018 §58.23(e)(1)","Conditions and limits":"Do not calculate after surety credit."},"coordinator_verification_status":"fresh_complete_5823_5818_bodies_checked_qualification_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Actualagency/data/geography/statecredit/contractor/waiverpredicatesremain;58.12/111notnewlyread. CurrentnessdisplayOct23only.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C036","Precise assertion and trigger":"Fidelity credit requires qualifying state employee coverage and reasonable deductible; credit limited by specified comparison.","Source/pinpoint":"S018 §58.23(e)(2)","Conditions and limits":"Actual coverage/deductible/resources held."},"coordinator_verification_status":"fresh_complete_5823_5818_bodies_checked_qualification_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Actualagency/data/geography/statecredit/contractor/waiverpredicatesremain;58.12/111notnewlyread. 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Noadditionalpolicymaxoractualclaim.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C052","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C052","Precise assertion and trigger":"Extreme hardship/special unusual circumstances can support discretionary exception; interstate sharing factors apply.","Source/pinpoint":"S012 Rule3(d)–(f)","Conditions and limits":"Not guaranteed waiver or automatic residence-based entitlement."},"coordinator_verification_status":"fresh_complete_Fund_rule_text_checked_discretion_application_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Rules1–13wholeparsed;4yearclock,exclusions,discretion,15000approvalthreshold,20/30dayprocessandlaterrecoveryformula. Noadditionalpolicymaxoractualclaim.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C053","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C053","Precise assertion and trigger":"Fund requires approved sworn claim and satisfactory loss evidence; recovery/coverage information required.","Source/pinpoint":"S012 Rules4–5","Conditions and limits":"No universal civil judgment/conviction prerequisite established."},"coordinator_verification_status":"fresh_complete_Fund_rule_text_checked_discretion_application_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Rules1–13wholeparsed;4yearclock,exclusions,discretion,15000approvalthreshold,20/30dayprocessandlaterrecoveryformula. Noadditionalpolicymaxoractualclaim.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C054","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C054","Precise assertion and trigger":"More than$15,000 per claimant/calendar year needs prior Board approval; payment remains discretionary.","Source/pinpoint":"S012 Rules6(b),7","Conditions and limits":"Not absolute lifetime/per-loss cap or entitlement."},"coordinator_verification_status":"fresh_complete_Fund_rule_text_checked_discretion_application_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Rules1–13wholeparsed;4yearclock,exclusions,discretion,15000approvalthreshold,20/30dayprocessandlaterrecoveryformula. Noadditionalpolicymaxoractualclaim.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C055","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C055","Precise assertion and trigger":"Committee may fix maxima; no separate current maximum/per-lawyer aggregate authenticated.","Source/pinpoint":"S012 Rule6(a)","Conditions and limits":"Exact additional policy remains held."},"coordinator_verification_status":"fresh_complete_Fund_rule_text_checked_discretion_application_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Rules1–13wholeparsed;4yearclock,exclusions,discretion,15000approvalthreshold,20/30dayprocessandlaterrecoveryformula. Noadditionalpolicymaxoractualclaim.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C056","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C056","Precise assertion and trigger":"Lawyer response20days; claimant/lawyer written reconsideration30days; rules provide finality.","Source/pinpoint":"S012 Rule5(b),(d),(f)–(g)","Conditions and limits":"Fund finding not disciplinary finding; external review questions not resolved."},"coordinator_verification_status":"fresh_complete_Fund_rule_text_checked_discretion_application_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Rules1–13wholeparsed;4yearclock,exclusions,discretion,15000approvalthreshold,20/30dayprocessandlaterrecoveryformula. Noadditionalpolicymaxoractualclaim.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C057","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C057","Precise assertion and trigger":"Fund receives assignment/subrogation; later excess recovery repayable, capped at Fund payment.","Source/pinpoint":"S012 Rule10(b)–(e)","Conditions and limits":"Preserve unreimbursed-loss subtraction; no double recovery."},"coordinator_verification_status":"fresh_complete_Fund_rule_text_checked_discretion_application_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Rules1–13wholeparsed;4yearclock,exclusions,discretion,15000approvalthreshold,20/30dayprocessandlaterrecoveryformula. Noadditionalpolicymaxoractualclaim.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C058","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C058","Precise assertion and trigger":"Public claim form was fully examined but contains identified form/rule/signature discrepancies.","Source/pinpoint":"S012 Rules4,10,12; S013–S014","Conditions and limits":"No completed filing or operational approval."},"coordinator_verification_status":"fresh_complete_parsed_form_and_rule_discrepancies_preserved","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Allformtextandrulesread,nopixels/fieldexecution;originalsignature/SSN/repayment/compensationdifferencesconfirmedasvalidationholds,notnewmaterialreporterror.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C059","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C059","Precise assertion and trigger":"Estate generally includes debtor interests; §541(d) preserves others’ equitable interests to the proven extent.","Source/pinpoint":"S017 §541(a),(d)","Conditions and limits":"Trust label alone insufficient; actual property/tracing required."},"coordinator_verification_status":"fresh_541a_d_gateway_checked_actual_property_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Legal/equitableinterest distinction textchecked; validtrust/tracing/actualestateandavoidancefactsheld.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C060","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C060","Precise assertion and trigger":"Federal bankruptcy-trigger/avoidance provisions must be assessed before declaring state security immune.","Source/pinpoint":"S017 §§541(c),544","Conditions and limits":"No automatic invalidity or immunity conclusion for §40-22-107(b)."},"coordinator_verification_status":"fresh_541c_checked_544_and_specific_statutory_interaction_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Conditionalbankruptcy-triggeredmodificationrulechecked;544unreopened, noWyomingtrustvalidity/immunitydecision.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C061","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C061","Precise assertion and trigger":"Nonprofit dissolution requires winding up/provision for liabilities and does not itself transfer title.","Source/pinpoint":"S016 §17-19-1406","Conditions and limits":"Actual asset conditions and governing law remain necessary."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_instrument_boundary_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalassertion/trigger/source/conditionsreconciled. Noallclaim/currentness/actualapplicationacceptance.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C062","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C062","Precise assertion and trigger":"Qualifying §507(a)(7) individual consumer deposits have$3,800 adjusted priority for post-Apr1,2025 cases.","Source/pinpoint":"S017 §507(a)(7); S022","Conditions and limits":"Not all program funds; not guaranteed payment or claim-size cap."},"coordinator_verification_status":"fresh_507a7_conditions_plus_explicit_dated_3800_notice_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Individualprepetitionconsumerpurchasedeposit/unprovidedservicesconditions; officialnotice3800forpostApr1cases,notallprogramfunds/guarantee.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C063","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C063","Precise assertion and trigger":"Chapter7 §726 distribution rules apply in their federal estate context.","Source/pinpoint":"S017 §726(a)–(b)","Conditions and limits":"Not collector-bond allocation or universal insolvency procedure."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_instrument_boundary_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalassertion/trigger/source/conditionsreconciled. Noallclaim/currentness/actualapplicationacceptance.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C064","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C064","Precise assertion and trigger":"Butner uses state property law absent controlling federal reason; affirmed lower appellate judgment.","Source/pinpoint":"S023 pp.55,57–58","Conditions and limits":"Historical Bankruptcy Act/property facts; not Wyoming trust adjudication."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_instrument_boundary_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalassertion/trigger/source/conditionsreconciled. Noallclaim/currentness/actualapplicationacceptance.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C065","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C065","Precise assertion and trigger":"Foster required equitable consideration of similarly situated victims before tracing fiction; reversed/remanded.","Source/pinpoint":"S024 majority andfn.2","Conditions and limits":"Colorado trust law; no per-se constructive-trust ban adopted."},"coordinator_verification_status":"fresh_material_Foster_majority_fn2_checked_judicial_hold","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Equity/similarlysituatedcreditorsmatter, noautomatictracingorperseban. Colorado/reproducedtext/noallcitator.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C066","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C066","Precise assertion and trigger":"FDIC fiduciary recognition depends on actual ownership/disclosure/records; agent deposits treated under principal’s coverage.","Source/pinpoint":"S026 §§330.5,330.7(a)","Conditions and limits":"No actual insured amount, new category, or nonbank-loss guarantee."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_instrument_boundary_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalassertion/trigger/source/conditionsreconciled. Noallclaim/currentness/actualapplicationacceptance.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C067","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C067","Precise assertion and trigger":"Wyoming Insurance Guaranty Association Act excludes surety.","Source/pinpoint":"S025 §26-31-102","Conditions and limits":"Other insurance classifications/regimes not decided."},"coordinator_verification_status":"researcher_attributed_unreopened_rule_or_instrument_boundary_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Originalassertion/trigger/source/conditionsreconciled. Noallclaim/currentness/actualapplicationacceptance.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C068","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C068","Precise assertion and trigger":"Private insurance recovery requires actual policy, insured risk, claimant rights, exclusions and limits.","Source/pinpoint":"Instrument gap; S025 scope boundary","Conditions and limits":"No policy examined; no mandatory coverage or payout inferred."},"coordinator_verification_status":"explicit_instrument_source_currentness_or_reserved_hold_retained","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Missingblankinstrument/privatepolicy/approval/chain/notnegativeuniverse, noactualrecordsorpermission.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C069","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C069","Precise assertion and trigger":"Public NMLS/sandbox instructions establish routes, not authenticated security forms or actual approval.","Source/pinpoint":"S004,S007–S009,S027","Conditions and limits":"Electronic bond/cancellation specifics remain held."},"coordinator_verification_status":"explicit_instrument_source_currentness_or_reserved_hold_retained","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Missingblankinstrument/privatepolicy/approval/chain/notnegativeuniverse, noactualrecordsorpermission.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C070","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C070","Precise assertion and trigger":"Source currency is limited to displayed compilations/versions; webpage dates are not enactment dates.","Source/pinpoint":"Source register","Conditions and limits":"No complete amendment/citator certificate."},"coordinator_verification_status":"explicit_instrument_source_currentness_or_reserved_hold_retained","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Missingblankinstrument/privatepolicy/approval/chain/notnegativeuniverse, noactualrecordsorpermission.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}},{"claim_id":"S_WY-P4-C071","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WY-P4-C071","Precise assertion and trigger":"Negative searches and missing instruments do not establish absence of law or security.","Source/pinpoint":"Failure/coverage registers","Conditions and limits":"Exact later investigation remains identified."},"coordinator_verification_status":"explicit_instrument_source_currentness_or_reserved_hold_retained","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Missingblankinstrument/privatepolicy/approval/chain/notnegativeuniverse, noactualrecordsorpermission.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","actual_application_accepted":false}}],"sources":[{"source_id":"S_WY-P4-S001","urls":["https://wyoleg.gov/statutes/compress/title33.pdf"],"researcher_record":{"Source ID":"S_WY-P4-S001","Issuer/document and complete literal URL":"Wyoming Legislature, Title 33. https://wyoleg.gov/statutes/compress/title33.pdf","Pinpoint, version, read extent and limitations":"Fresh: complete Chapter 14, indices110–111; selected Chapter11 definitions/exclusions, indices85–88; §§107–110, indices92–95. Relevant images inspected. Official retrieved compilation; exact consolidation-through date unstated. No historical enactment-date verification."},"coordinator_verification_status":"fresh_complete_collector_security_claim_clauses_plus_dated_Chapter14_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Complete108/109and110,107bsoundnessfresh; exactdatedChapter14body. Collectorclaimant/notice/aggregate/officeconditionsseparatefromChapter14prohibition. Noactualinstrument/renewalaggregate.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P4-S002","urls":["https://www.law.cornell.edu/regulations/wyoming/031-2-Wyo-Code-R-SS-2-4","https://www.law.cornell.edu/regulations/wyoming/031-2-Wyo-Code-R-SS-2-6","https://www.law.cornell.edu/regulations/wyoming/031-2-Wyo-Code-R-SS-2-8","https://www.law.cornell.edu/regulations/wyoming/031-2-Wyo-Code-R-SS-2-10"],"researcher_record":{"Source ID":"S_WY-P4-S002","Issuer/document and complete literal URL":"Collection Agency Board rules, Chapter2, reproduced by Cornell LII. https://www.law.cornell.edu/regulations/wyoming/031-2-Wyo-Code-R-SS-2-4 ; https://www.law.cornell.edu/regulations/wyoming/031-2-Wyo-Code-R-SS-2-6 ; https://www.law.cornell.edu/regulations/wyoming/031-2-Wyo-Code-R-SS-2-8 ; https://www.law.cornell.edu/regulations/wyoming/031-2-Wyo-Code-R-SS-2-10","Pinpoint, version, read extent and limitations":"Fresh complete listed section bodies. Trust/financial provisions show amendment notes through November1,2023. Primary rule text on a secondary host; official adoption package not recovered. One chapter/access group, not four independent corroborations."},"coordinator_verification_status":"researcher_attributed_unreopened_source_adoption_and_application_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Entireoriginalsourcecellreconciled; nofreshbody/pixel/version/adoption/actualapplicationacceptance. Preserveoriginalscope/secondary/genericform/instrumentfailures.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P4-S003","urls":["https://www.law.cornell.edu/regulations/wyoming/031-3-Wyo-Code-R-SS-3-7"],"researcher_record":{"Source ID":"S_WY-P4-S003","Issuer/document and complete literal URL":"Collection Agency Board rules, Chapter3 §7, reproduced by Cornell. https://www.law.cornell.edu/regulations/wyoming/031-3-Wyo-Code-R-SS-3-7","Pinpoint, version, read extent and limitations":"Fresh complete termination section: Board notice, 30-day advance creditor-client notice and accounting/transfer information. Official-current-adoption verification held."},"coordinator_verification_status":"researcher_attributed_unreopened_source_adoption_and_application_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Entireoriginalsourcecellreconciled; nofreshbody/pixel/version/adoption/actualapplicationacceptance. Preserveoriginalscope/secondary/genericform/instrumentfailures.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P4-S004","urls":["https://wyomingcollectionagencyboard.wyo.gov/home/statutes-and-regulations","https://wyomingcollectionagencyboard.wyo.gov/home/collection-license-application","https://wyomingcollectionagencyboard.wyo.gov/home/applicationrenewal-forms"],"researcher_record":{"Source ID":"S_WY-P4-S004","Issuer/document and complete literal URL":"Collection Agency Board public procedure pages. https://wyomingcollectionagencyboard.wyo.gov/home/statutes-and-regulations ; https://wyomingcollectionagencyboard.wyo.gov/home/collection-license-application ; https://wyomingcollectionagencyboard.wyo.gov/home/applicationrenewal-forms","Pinpoint, version, read extent and limitations":"Fresh selected operational text. NMLS/renewal routes established; no authenticated blank bond or cancellation instrument. Linked rule files produced landing pages only; failed URLs in log."},"coordinator_verification_status":"researcher_attributed_unreopened_source_adoption_and_application_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Entireoriginalsourcecellreconciled; nofreshbody/pixel/version/adoption/actualapplicationacceptance. Preserveoriginalscope/secondary/genericform/instrumentfailures.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P4-S005","urls":["https://wyoleg.gov/statutes/compress/title40.pdf"],"researcher_record":{"Source ID":"S_WY-P4-S005","Issuer/document and complete literal URL":"Wyoming Legislature, Title40. https://wyoleg.gov/statutes/compress/title40.pdf","Pinpoint, version, read extent and limitations":"Fresh selected §§40-22-102–107, indices294–300, including complete security/investment clauses; sandbox §§40-29-103–104,106,109, relevant indices382–391. Images298–300,386,391 inspected. No full licensing/custody/remedies audit."},"coordinator_verification_status":"fresh_complete_transmitter_assurance_and_selected_sandbox_clauses_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"105–107complete:25000GAAPnetworth, securityfloor/factor/cap, substitution/claimantaction/30daynotice/no-longer-five-yeartail; sandbox104h,103,106disclaimer/109selected. Nofullactivity/adoption/actualriskorder/priority.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P4-S006","urls":["https://www.law.cornell.edu/regulations/wyoming/021-2-Wyo-Code-R-SS-2-5"],"researcher_record":{"Source ID":"S_WY-P4-S006","Issuer/document and complete literal URL":"Banking rule Chapter2 §5, reproduced by Cornell. https://www.law.cornell.edu/regulations/wyoming/021-2-Wyo-Code-R-SS-2-5","Pinpoint, version, read extent and limitations":"Fresh entire body: annual renewal security based on prior July1–June30 Wyoming-resident average daily outstanding balance. Note: amended effective November16,2021. Official adoption chain not recovered."},"coordinator_verification_status":"researcher_attributed_unreopened_source_adoption_and_application_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Entireoriginalsourcecellreconciled; nofreshbody/pixel/version/adoption/actualapplicationacceptance. Preserveoriginalscope/secondary/genericform/instrumentfailures.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P4-S007","urls":["https://wyomingbankingdivision.wyo.gov/money-transmitters/application-forms"],"researcher_record":{"Source ID":"S_WY-P4-S007","Issuer/document and complete literal URL":"Division of Banking, money-transmitter procedure. https://wyomingbankingdivision.wyo.gov/money-transmitters/application-forms","Pinpoint, version, read extent and limitations":"Fresh operational page: applications/license activity through NMLS. Does not authenticate a bond form, actual license, or electronic cancellation requirements."},"coordinator_verification_status":"researcher_attributed_unreopened_source_adoption_and_application_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Entireoriginalsourcecellreconciled; nofreshbody/pixel/version/adoption/actualapplicationacceptance. Preserveoriginalscope/secondary/genericform/instrumentfailures.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P4-S008","urls":["https://sos.wyo.gov/Investing/Docs/FinTechSandboxRules.pdf"],"researcher_record":{"Source ID":"S_WY-P4-S008","Issuer/document and complete literal URL":"Wyoming Secretary of State, Chapter11 Financial Technology Sandbox Rules. https://sos.wyo.gov/Investing/Docs/FinTechSandboxRules.pdf","Pinpoint, version, read extent and limitations":"Fresh complete two-page rule, §§1–6; both images read, indices0–1. Effective January1,2020. No later amendment-chain certificate; no detailed bond form in document."},"coordinator_verification_status":"researcher_attributed_unreopened_source_adoption_and_application_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Entireoriginalsourcecellreconciled; nofreshbody/pixel/version/adoption/actualapplicationacceptance. Preserveoriginalscope/secondary/genericform/instrumentfailures.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P4-S009","urls":["https://wyomingbankingdivision.wyo.gov/banks-and-trust-companies/financial-technology-sandbox","https://sos.wyo.gov/Investing/FTSResources.aspx","https://sos.wyo.gov/Investing/FTSAppForm.aspx"],"researcher_record":{"Source ID":"S_WY-P4-S009","Issuer/document and complete literal URL":"Official sandbox procedure pages. https://wyomingbankingdivision.wyo.gov/banks-and-trust-companies/financial-technology-sandbox ; https://sos.wyo.gov/Investing/FTSResources.aspx ; https://sos.wyo.gov/Investing/FTSAppForm.aspx","Pinpoint, version, read extent and limitations":"Fresh selected pages; Secretary’s application page offers contact route rather than form body. Banking Drive application/rule links not substantively retrieved. No contacts or submissions."},"coordinator_verification_status":"researcher_attributed_unreopened_source_adoption_and_application_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Entireoriginalsourcecellreconciled; nofreshbody/pixel/version/adoption/actualapplicationacceptance. Preserveoriginalscope/secondary/genericform/instrumentfailures.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P4-S010","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-P4-S010","Issuer/document and complete literal 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","Pinpoint, version, read extent and limitations":"Fresh order and operative professional-form provisions; five-page text examined, images0,3,4. Order November25,2025; effective January26,2026. No general insurance mandate inferred from employee-benefit clause."},"coordinator_verification_status":"researcher_attributed_unreopened_source_adoption_and_application_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Entireoriginalsourcecellreconciled; nofreshbody/pixel/version/adoption/actualapplicationacceptance. Preserveoriginalscope/secondary/genericform/instrumentfailures.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P4-S011","urls":["https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf"],"researcher_record":{"Source ID":"S_WY-P4-S011","Issuer/document and complete literal URL":"Wyoming Supreme Court, Professional Conduct compilation. https://www.wyocourts.gov/app/uploads/2026/06/WY-Rules-Prof-Conduct-Eff.-9-21-26.pdf","Pinpoint, version, read extent and limitations":"Fresh selected current Rule1.15, printedpp.66–71/indices65–70, including property, overdraft, advance/dispute and records clauses. Heading effective September21,2026; history July21 amendment. Image65 read; image68 failed. Separate amendment order unread."},"coordinator_verification_status":"explicit_dated_selected_current_professional_body_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Genericcurrent1.15heading/property/bankoverdraft/nothirdpartybenefit/advance/dispute/records exactWY3packets, notWY3premiseacceptance; separateamendmentorder/pixelsheld.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P4-S012","urls":["https://www.wyocourts.gov/app/uploads/2025/01/RULES-FOR-THE-CLIENT-PROTECTION-FUND-1.pdf"],"researcher_record":{"Source ID":"S_WY-P4-S012","Issuer/document and complete literal URL":"Wyoming Supreme Court, Client Protection Fund Rules. https://www.wyocourts.gov/app/uploads/2025/01/RULES-FOR-THE-CLIENT-PROTECTION-FUND-1.pdf","Pinpoint, version, read extent and limitations":"Fresh complete Rules1–13, all six page images, printedpp.1–6/indices0–5. Added May16,2017, effective July1,2017. Currently linked official compilation; later independent policy maxima not recovered."},"coordinator_verification_status":"fresh_complete_parsed_Fund_Rules1_13_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Complete0–268parsedunion; eligibility,4yearclock,exclusions,discretion,15000yearapprovalthreshold,30dayreconsideration,10eexcessrecoveryformula; noindependentcurrentpolicymaximum/application.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P4-S013","urls":["https://www.wyomingbar.org/wp-content/uploads/Client-Protection-Fund-Statement-of-Claim-Fillable.pdf"],"researcher_record":{"Source ID":"S_WY-P4-S013","Issuer/document and complete literal URL":"Wyoming State Bar, blank Fund claim form. https://www.wyomingbar.org/wp-content/uploads/Client-Protection-Fund-Statement-of-Claim-Fillable.pdf","Pinpoint, version, read extent and limitations":"Fresh all five pages and images, indices0–4. Label “Revised10/25”; not treated as an effective-date enactment. All fields and undertakings examined; no data entered."},"coordinator_verification_status":"fresh_complete_parsed_blank_Fund_form_checked_no_pixels","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"All0–159text/fivepages,revision10/25,actualfourclaimantsignaturelines versusinstructionthree, SSNnotdisplayed,repaymentandfeeapprovalterminologydifferences. Noformfield/pixels/dataentry/submission.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P4-S014","urls":["https://www.wyomingbar.org/for-the-public/client-protection-fund/"],"researcher_record":{"Source ID":"S_WY-P4-S014","Issuer/document and complete literal URL":"Wyoming State Bar, generic Fund instructions. https://www.wyomingbar.org/for-the-public/client-protection-fund/","Pinpoint, version, read extent and limitations":"Fresh substantive public instructions. Operational guidance subordinate to court rules; no claim-status or lawyer lookup."},"coordinator_verification_status":"researcher_attributed_unreopened_source_adoption_and_application_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Entireoriginalsourcecellreconciled; nofreshbody/pixel/version/adoption/actualapplicationacceptance. Preserveoriginalscope/secondary/genericform/instrumentfailures.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P4-S015","urls":["https://wyoleg.gov/statutes/compress/title04.pdf"],"researcher_record":{"Source ID":"S_WY-P4-S015","Issuer/document and complete literal URL":"Wyoming Legislature, Title4 Trust Code. https://wyoleg.gov/statutes/compress/title04.pdf","Pinpoint, version, read extent and limitations":"Fresh selected §§4-10-102,105,509,702,705(d),809–810; indices3,9–10,36,49,52,64. Relevant security/property images read. Actual trust, governing law and instrument remain predicates."},"coordinator_verification_status":"researcher_attributed_unreopened_source_adoption_and_application_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Entireoriginalsourcecellreconciled; nofreshbody/pixel/version/adoption/actualapplicationacceptance. Preserveoriginalscope/secondary/genericform/instrumentfailures.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P4-S016","urls":["https://wyoleg.gov/statutes/compress/title17.pdf"],"researcher_record":{"Source ID":"S_WY-P4-S016","Issuer/document and complete literal URL":"Wyoming Legislature, Title17. https://wyoleg.gov/statutes/compress/title17.pdf","Pinpoint, version, read extent and limitations":"Fresh §17-19-1406 and selected adjacent dissolution-claim provisions; indices531–534, images531–532. Used for winding-up/title interface, not a complete dissolution/claims dossier."},"coordinator_verification_status":"researcher_attributed_unreopened_source_adoption_and_application_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Entireoriginalsourcecellreconciled; nofreshbody/pixel/version/adoption/actualapplicationacceptance. Preserveoriginalscope/secondary/genericform/instrumentfailures.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P4-S017","urls":["https://uscode.house.gov/us/usc/119-124/t11/s111/","https://uscode.house.gov/us/usc/119-124/t11/s541/","https://uscode.house.gov/us/usc/119-124/t11/s544/","https://uscode.house.gov/us/usc/119-124/t11/s507/","https://uscode.house.gov/us/usc/119-124/t11/s726/"],"researcher_record":{"Source ID":"S_WY-P4-S017","Issuer/document and complete literal URL":"U.S. House OLRC, Title11 access group. https://uscode.house.gov/us/usc/119-124/t11/s111/ ; https://uscode.house.gov/us/usc/119-124/t11/s541/ ; https://uscode.house.gov/us/usc/119-124/t11/s544/ ; https://uscode.house.gov/us/usc/119-124/t11/s507/ ; https://uscode.house.gov/us/usc/119-124/t11/s726/","Pinpoint, version, read extent and limitations":"Fresh selected operative §111(c), §541(a),(c),(d),(f), §544, §507(a)(7), §726. Bodies display laws through PL119-124, October15,2026. Later law not certified; future/conditional stablecoin material not used."},"coordinator_verification_status":"fresh_selected_541_and_507_gateway_checked_remaining_Code_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"PL119-124Oct15display;541a/c/d/fand507a7conditionsselected. 111/544/726notfreshlyreopened. Noactualestate/tracing/avoidance/distributionorstablecoineffectivityaccepted.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P4-S018","urls":["https://www.ecfr.gov/current/title-28/chapter-I/part-58/section-58.12","https://www.ecfr.gov/current/title-28/chapter-I/part-58/section-58.18","https://www.ecfr.gov/current/title-28/chapter-I/part-58/section-58.23"],"researcher_record":{"Source ID":"S_WY-P4-S018","Issuer/document and complete literal URL":"DOJ/eCFR, Part58 security access group. https://www.ecfr.gov/current/title-28/chapter-I/part-58/section-58.12 ; https://www.ecfr.gov/current/title-28/chapter-I/part-58/section-58.18 ; https://www.ecfr.gov/current/title-28/chapter-I/part-58/section-58.23","Pinpoint, version, read extent and limitations":"Fresh relevant definitions; complete §58.18 and §58.23 operative security provisions. Latest displayed currency October23,2026; Title28 last amended September30. Not a complete Federal Register audit through October27."},"coordinator_verification_status":"fresh_complete_5818_5823_operative_text_checked_scope_currentness_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Complete58.18and58.23operativebodies; lessermeasurement/minimum/geography,precreditfidelity,qualifyingstatecredit,contractoralternatives/5day500000/conditionalACH,approval/waiver. Definitions58.12/111actualagencyqualificationheld;displayOct23notlaterlawcertificate.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P4-S019","urls":["https://www.govinfo.gov/content/pkg/FR-2013-03-14/pdf/2013-04361.pdf"],"researcher_record":{"Source ID":"S_WY-P4-S019","Issuer/document and complete literal URL":"DOJ, 2013 final credit-counseling rule,78FR16138. https://www.govinfo.gov/content/pkg/FR-2013-03-14/pdf/2013-04361.pdf","Pinpoint, version, read extent and limitations":"Fresh selected dates, security explanation and operative §58.23, printedpp.16157–16158/indices19–20; images read. Effective April15,2013. Not all22 pages read. Current rule separately checked."},"coordinator_verification_status":"researcher_attributed_unreopened_source_adoption_and_application_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Entireoriginalsourcecellreconciled; nofreshbody/pixel/version/adoption/actualapplicationacceptance. Preserveoriginalscope/secondary/genericform/instrumentfailures.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P4-S020","urls":["https://www.justice.gov/d9/pages/attachments/2016/12/22/cc_application_instructions.pdf"],"researcher_record":{"Source ID":"S_WY-P4-S020","Issuer/document and complete literal URL":"U.S. Trustee Program, application instructions. https://www.justice.gov/d9/pages/attachments/2016/12/22/cc_application_instructions.pdf","Pinpoint, version, read extent and limitations":"Fresh selected security instructions, printedpp.17–21/indices16–20; table image printedp.19/index18 read. Cover displays OMB approval expiration September30,2028; URL path is not version date. Not the complete application or a bond form."},"coordinator_verification_status":"researcher_attributed_unreopened_source_adoption_and_application_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Entireoriginalsourcecellreconciled; nofreshbody/pixel/version/adoption/actualapplicationacceptance. Preserveoriginalscope/secondary/genericform/instrumentfailures.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P4-S021","urls":["https://www.justice.gov/ust/frequently-asked-questions-faqs-credit-counseling"],"researcher_record":{"Source ID":"S_WY-P4-S021","Issuer/document and complete literal URL":"U.S. Trustee Program, generic credit-counseling FAQ. https://www.justice.gov/ust/frequently-asked-questions-faqs-credit-counseling","Pinpoint, version, read extent and limitations":"Fresh selected bonding, fidelity, state-law and original-document instructions. Page update January15,2025 is not legal effective date. No agency roster used."},"coordinator_verification_status":"researcher_attributed_unreopened_source_adoption_and_application_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Entireoriginalsourcecellreconciled; nofreshbody/pixel/version/adoption/actualapplicationacceptance. Preserveoriginalscope/secondary/genericform/instrumentfailures.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P4-S022","urls":["https://www.govinfo.gov/content/pkg/FR-2025-02-04/pdf/2025-02207.pdf"],"researcher_record":{"Source ID":"S_WY-P4-S022","Issuer/document and complete literal URL":"Judicial Conference, adjusted bankruptcy amounts,90FR8941–8942. https://www.govinfo.gov/content/pkg/FR-2025-02-04/pdf/2025-02207.pdf","Pinpoint, version, read extent and limitations":"Fresh notice and relevant table; printedp.8941/index0 image read. $3,800 §507(a)(7), cases commenced on/after April1,2025. No independent CPI calculation."},"coordinator_verification_status":"explicit_dated_official_adjustment_notice_507a7_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"ByteidenticalAZ11nativeFRnotice41–115reread:3800for507a7, April1,2025casecommencement. NoCPI/newfetch orArizona merits.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P4-S023","urls":["https://www.govinfo.gov/content/pkg/USREPORTS-440/pdf/USREPORTS-440-48.pdf"],"researcher_record":{"Source ID":"S_WY-P4-S023","Issuer/document and complete literal URL":"U.S. Supreme Court, Butner v. United States,440U.S.48. https://www.govinfo.gov/content/pkg/USREPORTS-440/pdf/USREPORTS-440-48.pdf","Pinpoint, version, read extent and limitations":"Official reporter PDF recovered after initial failure. Selected majority facts/analysis/disposition, pp.49–55,57–58; images55,57,58/indices7,9,10 read. February21,1979. Not full later-history review."},"coordinator_verification_status":"original_initial_failure_and_selected_recovery_attribution_preserved_unreopened","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Butneroriginalinitialfailedretrievalnotrepeated; originallaterreporterrecovery/viewsremainreportedprovenance, notfreshcoordinatoraccess/citator.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P4-S024","urls":["https://law.justia.com/cases/federal/appellate-courts/F3/275/924/592274/"],"researcher_record":{"Source ID":"S_WY-P4-S024","Issuer/document and complete literal URL":"Tenth Circuit, In re Foster,275F.3d924, judicial text reproduced by Justia. https://law.justia.com/cases/federal/appellate-courts/F3/275/924/592274/","Pinpoint, version, read extent and limitations":"Fresh entire majority and footnotes; December26,2001. Pinpoints: paragraphs beginning “Property subject to a trust,” “The bankruptcy court failed,” concluding disposition, footnote2. No verified reporter page breaks in HTML; no comprehensive citator."},"coordinator_verification_status":"fresh_complete_material_majority_and_footnotes_secondary_host_checked","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Fosteractual57–92majority/fn1/2: reverse/remand, similarlysituatedvictimsequityandnoadoptionofperseban. Justiareproductionnotissueroriginal/currentcitatororWyomingholding.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P4-S025","urls":["https://wyoleg.gov/statutes/compress/title26.pdf"],"researcher_record":{"Source ID":"S_WY-P4-S025","Issuer/document and complete literal URL":"Wyoming Legislature, Title26. https://wyoleg.gov/statutes/compress/title26.pdf","Pinpoint, version, read extent and limitations":"Fresh selected §26-31-102 and relevant definition context; index661 image read. Surety exclusion only; not full insurance-guaranty or fidelity classification review."},"coordinator_verification_status":"researcher_attributed_unreopened_source_adoption_and_application_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Entireoriginalsourcecellreconciled; nofreshbody/pixel/version/adoption/actualapplicationacceptance. Preserveoriginalscope/secondary/genericform/instrumentfailures.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P4-S026","urls":["https://www.ecfr.gov/current/title-12/chapter-III/subchapter-B/part-330/section-330.5","https://www.ecfr.gov/current/title-12/chapter-III/subchapter-B/part-330/section-330.7"],"researcher_record":{"Source ID":"S_WY-P4-S026","Issuer/document and complete literal URL":"FDIC/eCFR, deposit-ownership recognition. https://www.ecfr.gov/current/title-12/chapter-III/subchapter-B/part-330/section-330.5 ; https://www.ecfr.gov/current/title-12/chapter-III/subchapter-B/part-330/section-330.7","Pinpoint, version, read extent and limitations":"Fresh operative ownership/fiduciary provisions, especially §330.5(a)–(b), §330.7(a). Display through October23,2026. No actual bank/account or insured-amount determination."},"coordinator_verification_status":"researcher_attributed_unreopened_source_adoption_and_application_held","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Entireoriginalsourcecellreconciled; nofreshbody/pixel/version/adoption/actualapplicationacceptance. Preserveoriginalscope/secondary/genericform/instrumentfailures.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","full_currentness_or_application_accepted":false}},{"source_id":"S_WY-P4-S027","urls":["https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/esb/SitePages/Home.aspx"],"researcher_record":{"Source ID":"S_WY-P4-S027","Issuer/document and complete literal URL":"NMLS generic checklist/ESB locators. https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx ; https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/esb/SitePages/Home.aspx","Pinpoint, version, read extent and limitations":"Fresh attempted access; no usable substantive body. Discovery/failure only, not authority for Wyoming-specific electronic bond requirements."},"coordinator_verification_status":"original_failed_checklist_ESB_routes_preserved_unretried","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"No usable originalNMLSbodies. No newattempt/variant/accountaccess; Wyomingblankinstruments remainmissing.","evidence_folder":"reviews/S_WY4-primary-20261029-parallel","full_currentness_or_application_accepted":false}}],"coverage":[{"topic":"1—Prohibited versus excluded actor","researcher_record":{"Assigned issue/subquestion":"1—Prohibited versus excluded actor","Status":"Answered at legal-text level","Claims/examples":"C001–C003; E1","Exact missing evidence and next bounded action":"Actual activity, fee source, entity, remote/business/mixed predicates remain unproved."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"1—Chapter14 nonprofit security","researcher_record":{"Assigned issue/subquestion":"1—Chapter14 nonprofit security","Status":"Bounded answer","Claims/examples":"C002,C031","Exact missing evidence and next bounded action":"No special schedule in chapter; evaluate additional regime only on actual qualifying facts."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"1—Attorney/professional form assurance","researcher_record":{"Assigned issue/subquestion":"1—Attorney/professional form assurance","Status":"Partial","Claims/examples":"C041–C044,E3","Exact missing evidence and next bounded action":"No universal insurance conclusion; other role-specific court/contract requirements remain open."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"1—Collector classification and financial soundness","researcher_record":{"Assigned issue/subquestion":"1—Collector classification and financial soundness","Status":"Answered with rule-source limit","Claims/examples":"C003–C016,E1–E2","Exact missing evidence and next bounded action":"Official current rule/adoption package and actual licensed activity not verified."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"1—Sandbox requirements","researcher_record":{"Assigned issue/subquestion":"1—Sandbox requirements","Status":"Answered statutory core","Claims/examples":"C027–C030","Exact missing evidence and next bounded action":"Actual authorization/risk order/bond terms absent."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"1—Conditional federal nonprofit branch","researcher_record":{"Assigned issue/subquestion":"1—Conditional federal nonprofit branch","Status":"Answered at rule level","Claims/examples":"C031–C039,E6","Exact missing evidence and next bounded action":"Actual federal/state qualification and financial data held."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"1—Money-transmitter assurance interface","researcher_record":{"Assigned issue/subquestion":"1—Money-transmitter assurance interface","Status":"Answered conditional core","Claims/examples":"C017–C026,E5","Exact missing evidence and next bounded action":"Full P03 activity/exemption analysis remains outside this pass."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"2—Collector parties/amount/issuer/approval","researcher_record":{"Assigned issue/subquestion":"2—Collector parties/amount/issuer/approval","Status":"Answered","Claims/examples":"C005–C009","Exact missing evidence and next bounded action":"Authenticated generic bond instrument not recovered."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"2—Collector per-office/aggregate/renewal","researcher_record":{"Assigned issue/subquestion":"2—Collector per-office/aggregate/renewal","Status":"Partial","Claims/examples":"C009,C013,E2","Exact missing evidence and next bounded action":"Blanket scope, reinstatement and renewal aggregation wording."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"2—Collector cancellation/replacement/liability","researcher_record":{"Assigned issue/subquestion":"2—Collector cancellation/replacement/liability","Status":"Answered statutory core","Claims/examples":"C011–C012","Exact missing evidence and next bounded action":"Particular bond periods and renewal interpretation held."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"2—Cash substitute","researcher_record":{"Assigned issue/subquestion":"2—Cash substitute","Status":"Partial","Claims/examples":"C007","Exact missing evidence and next bounded action":"Public payout/interpleader procedure and complete generic deposit instrument."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"2—Transmitter amount/base/capital/reserves","researcher_record":{"Assigned issue/subquestion":"2—Transmitter amount/base/capital/reserves","Status":"Answered with official-rule gap","Claims/examples":"C018–C025,E5","Exact missing evidence and next bounded action":"Official adoption chain; accepted measurement and actual commissioner decisions."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"2—Transmitter issuer/device terms","researcher_record":{"Assigned issue/subquestion":"2—Transmitter issuer/device terms","Status":"Partial","Claims/examples":"C019,C021–C024","Exact missing evidence and next bounded action":"Commissioner-approved blank instrument, issuer qualification and contract defenses."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"2—Sandbox instrument","researcher_record":{"Assigned issue/subquestion":"2—Sandbox instrument","Status":"Partial","Claims/examples":"C027–C030","Exact missing evidence and next bounded action":"Issuer, form, aggregate, claim period and detailed cancellation wording."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"2—Federal surety/fidelity calculations","researcher_record":{"Assigned issue/subquestion":"2—Federal surety/fidelity calculations","Status":"Answered","Claims/examples":"C033–C039,E6","Exact missing evidence and next bounded action":"Actual data, credits, deductible, contractor arrangements and instruments."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"2—Trustee security","researcher_record":{"Assigned issue/subquestion":"2—Trustee security","Status":"Answered conditionally","Claims/examples":"C045–C046","Exact missing evidence and next bounded action":"Actual trust/order/bond amount, beneficiaries and conditions."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"3—Collector standing/loss/notice/suit clock","researcher_record":{"Assigned issue/subquestion":"3—Collector standing/loss/notice/suit clock","Status":"Answered","Claims/examples":"C008–C012,E1–E2","Exact missing evidence and next bounded action":"Actual coverage and expiration facts; no calendar computed."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"3—Multiple claims/prior payments/allocation","researcher_record":{"Assigned issue/subquestion":"3—Multiple claims/prior payments/allocation","Status":"Partial","Claims/examples":"C009,E2","Exact missing evidence and next bounded action":"Applicable allocation procedure, contract and adjudication; no forced pro rata."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"3—Transmitter private/regulator enforcement","researcher_record":{"Assigned issue/subquestion":"3—Transmitter private/regulator enforcement","Status":"Answered statutory core","Claims/examples":"C021–C024","Exact missing evidence and next bounded action":"General limitations and complete instrument terms not investigated."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"3—Sandbox consumer claim procedure","researcher_record":{"Assigned issue/subquestion":"3—Sandbox consumer claim procedure","Status":"Unresolved beyond regulator route","Claims/examples":"C029","Exact missing evidence and next bounded action":"Authenticated private-action authority or bond terms."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"3—Federal agency direct consumer claim","researcher_record":{"Assigned issue/subquestion":"3—Federal agency direct consumer claim","Status":"Unresolved instrument-level","Claims/examples":"C040","Exact missing evidence and next bounded action":"Approved generic bond/policy and governing claim provisions."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"3—Trustee-bond claim procedure","researcher_record":{"Assigned issue/subquestion":"3—Trustee-bond claim procedure","Status":"Conditional/held","Claims/examples":"C045–C046","Exact missing evidence and next bounded action":"Actual order/instrument and applicable specific claim rules."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"3—Fund eligibility/clock/reconsideration","researcher_record":{"Assigned issue/subquestion":"3—Fund eligibility/clock/reconsideration","Status":"Answered","Claims/examples":"C049–C058,E3","Exact missing evidence and next bounded action":"Actual facts and any separate current maximum policy absent."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"4—General assets versus client property","researcher_record":{"Assigned issue/subquestion":"4—General assets versus client property","Status":"Answered framework","Claims/examples":"C047–C048,C059–C061,E4","Exact missing evidence and next bounded action":"Title, governing law, records and tracing."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"4—Commingled shortfall","researcher_record":{"Assigned issue/subquestion":"4—Commingled shortfall","Status":"Partial","Claims/examples":"C060,C065,E4","Exact missing evidence and next bounded action":"Applicable tracing and similarly situated claimants; no factual adjudication."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"4—§40-22-107(b) bankruptcy priority","researcher_record":{"Assigned issue/subquestion":"4—§40-22-107(b) bankruptcy priority","Status":"Unresolved interpretation","Claims/examples":"C026,C060","Exact missing evidence and next bounded action":"Controlling published authority on federal interaction and tracing."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"4—Nonprofit dissolution","researcher_record":{"Assigned issue/subquestion":"4—Nonprofit dissolution","Status":"Answered interface only","Claims/examples":"C061","Exact missing evidence and next bounded action":"Full dissolution notice/claims, receivership and distribution process remain later work."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"4—Federal priority/distribution","researcher_record":{"Assigned issue/subquestion":"4—Federal priority/distribution","Status":"Answered conditional gateway","Claims/examples":"C059–C065,E4","Exact missing evidence and next bounded action":"Actual chapter, allowed claims, secured/admin claims, avoidance and estate assets."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"4—Bond/insurance proceeds versus estate property","researcher_record":{"Assigned issue/subquestion":"4—Bond/insurance proceeds versus estate property","Status":"Partial","Claims/examples":"C021,C059,C068","Exact missing evidence and next bounded action":"Instrument ownership, beneficiary and federal property/avoidance analysis."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"5—Current trust safeguards","researcher_record":{"Assigned issue/subquestion":"5—Current trust safeguards","Status":"Answered selected body","Claims/examples":"C041–C043","Exact missing evidence and next bounded action":"Separate July21,2026 amendment order still unread."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"5—Mandatory professional insurance","researcher_record":{"Assigned issue/subquestion":"5—Mandatory professional insurance","Status":"Not established universally","Claims/examples":"C044,C068","Exact missing evidence and next bounded action":"Additional role-specific authority/policy; silence not affirmative exemption."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"5—Fund exclusions/last-resort features","researcher_record":{"Assigned issue/subquestion":"5—Fund exclusions/last-resort features","Status":"Answered","Claims/examples":"C049–C053,E3","Exact missing evidence and next bounded action":"Actual other coverage and recovery efforts; no universal exhaustion rule invented."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"5—Fund limits and aggregates","researcher_record":{"Assigned issue/subquestion":"5—Fund limits and aggregates","Status":"Partial","Claims/examples":"C054–C055","Exact missing evidence and next bounded action":"Separate Committee policy maximum/per-lawyer aggregate not recovered."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"5—Fund subrogation/later recovery","researcher_record":{"Assigned issue/subquestion":"5—Fund subrogation/later recovery","Status":"Answered","Claims/examples":"C057,E3","Exact missing evidence and next bounded action":"Actual award and later recovery held."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"5—Deposit/insurer protection","researcher_record":{"Assigned issue/subquestion":"5—Deposit/insurer protection","Status":"Answered narrow boundary","Claims/examples":"C066–C068","Exact missing evidence and next bounded action":"Full FDIC/NCUA category calculation, policy classification and insurer-insolvency regime excluded."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"6—Electronic bond/renewal/cancellation forms","researcher_record":{"Assigned issue/subquestion":"6—Electronic bond/renewal/cancellation forms","Status":"Partial","Claims/examples":"C069","Exact missing evidence and next bounded action":"Wyoming-specific authenticated public ESB forms/checklists not recovered."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"6—Complete relevant blank form","researcher_record":{"Assigned issue/subquestion":"6—Complete relevant blank form","Status":"Answered for Fund form","Claims/examples":"C058","Exact missing evidence and next bounded action":"Form/rule discrepancies remain unresolved; no submission."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"6—Historical/current/adoption chain","researcher_record":{"Assigned issue/subquestion":"6—Historical/current/adoption chain","Status":"Partial","Claims/examples":"C070","Exact missing evidence and next bounded action":"Official collector/transmitter adoption chain and separate professional amendment order missing."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"state_parent_application_accepted":false}},{"topic":"6—Source absence/negative search","researcher_record":{"Assigned issue/subquestion":"6—Source absence/negative search","Status":"Qualified hold","Claims/examples":"C071","Exact missing evidence and next bounded action":"No absence-of-law conclusion; targeted public-source recovery remains necessary."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:11:47.401058+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-P4-SCOPED","status":"reviewed_scoped_partial_with_holds","at":null}]}