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United States Virgin Islands: Debt-relief provider regulation and applicability

J_VI · pass-01Captured 2026-10-2623 tables · 48 claim records · 87 source recordsScoped coordinator review completed

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SettleADebt — J_VI PASS-01

United States Virgin Islands: Debt-relief provider regulation and applicability

Research baseline: October 22, 2026, America/Los_Angeles Actual public-source checks: October 26, 2026 Assignment: A066 / J_VI / PASS-01, focused provider-regulation component only Mode: Regular Chat; no Deep Research, external actions, private records, or entity-specific searches. The interface does not provide a separately verifiable model-tier record, so no model-switch claim is made.

Research complete subject to identified source and currentness holds — not publication-approved### Principal finding

The U.S. Virgin Islands has a dedicated debt-relief provider statute: Title 12A, Chapter 7, Virgin Islands Uniform Debt-Management Services Act, §§401–441, added by Act No. 7145 on January 27, 2010. Its text covers compensated intermediaries seeking creditor concessions for Virgin Islands residents, requires territorial registration subject to defined exclusions, regulates fees and customer money, and supplies specific administrative and private remedies.

This is not a “no dedicated statute located” jurisdiction. It is also not safe to treat a mainland registration, nonprofit status, or an attorney's participation as automatically authorizing a provider. law.justia.comlaw.justia.comlaw.justia.com

Critical currentness limitation: The full territorial provisions were read in the 2025 Virgin Islands Code reproduced by Justia, an unofficial host of enacted statutory text. The government advertises free access to the Virgin Islands Code through LexisNexis, but the official-access gateway did not yield readable operative sections through the available public web retrieval. The enacted Act No. 7145 session-law pages, an authenticated consolidation through October 26, 2026, and any operative inflation-adjustment rules were not obtained. Accordingly, this report states what the accessed codified text provides, but does not certify that its printed dollar amounts or every provision are the operative 2026 text. Election System of the Virgin Islandslaw.justia.com

1. Jurisdiction and source-authority map

Authority	Function relevant to PASS-01	Boundary
Legislature of the Virgin Islands; Virgin Islands Code and session laws	Creates territorial provider duties and remedies. Title 12A, Chapter 7 is the principal law.	Enactment and later amendments control over any unofficial consolidation. Act publication year is not its effective date.
Lieutenant Governor, through the Division of Banking, Insurance and Financial Regulation (DBIFR)	Provider registration, examinations, rulemaking, adjustments, investigations, penalties, restitution and registration suspension/revocation.	The agency expressly lists debt-management providers among its regulated categories. A public registration list is statutorily required, but a verified dedicated online lookup was not located. United States Virgin Islandslaw.justia.com
Department of Licensing and Consumer Affairs (DLCA)	Separate general business-licensing and consumer-fraud functions. Title 12A, Chapter 7 registration applications reference compliance with Title 27, Chapter 9.	A DLCA business license is not proof of Chapter 7 registration. The DLCA's general search does not establish that a provider appears on the Lieutenant Governor's required list. law.justia.comlaw.justia.comdlca.vi.gov
Attorney General / territorial Department of Justice	Potential referral and territorial enforcement.	A Lieutenant Governor referral under §432(a) is distinct from an individual's express private action under §435.
Superior Court of the Virgin Islands	Territorial trial-court proceedings and specified registration-denial review.	A regulatory violation does not automatically erase an underlying creditor obligation.
Supreme Court of the Virgin Islands	Highest territorial appellate court; controlling territorial-law appellate authority.	The court assumed appellate jurisdiction in 2007. Federal courts have separate subject-matter jurisdiction. supreme.vicourts.org
District Court of the Virgin Islands and federal appellate structure	Federal claims within federal jurisdiction; federal bankruptcy proceedings through the District Court's Bankruptcy Division.	Bankruptcy availability is a jurisdictional alternative here, not a substitute for provider classification and not a finding about any borrower's eligibility. vid.uscourts.gov
FTC and federal courts	FTC Act and, where independently applicable, Telemarketing Sales Rule (TSR) enforcement.	“U.S. territory” does not make every provider transaction a covered telemarketing transaction.
Federal Credit Repair Organizations Act (CROA)	Separate federal rules for an entity offering credit-history improvement for consideration, where its statutory predicates are met.	Ordinary settlement negotiation alone does not establish that the provider is a CROA credit-repair organization.

Geographic definitions must be tested separately.

Territorial §402(19) expressly includes the Virgin Islands in its definition of state. Territorial §§403–404 focus chiefly on the individual's residence when an agreement or service undertaking is made. law.justia.comlaw.justia.com
TSR §310.2(ff) includes U.S. territories and possessions. The TSR nevertheless requires a covered telemarketing campaign, defined in §310.2(ii) by telephone activity involving more than one interstate telephone call, as well as the relevant transaction and exemption analysis. ecfr.govecfr.gov
FTC Act §4, 15 U.S.C. §44, expressly encompasses commerce in a U.S. territory in its definition of commerce; FTC jurisdiction and institutional exemptions remain separate inquiries. COMMERCE AND TRADE
CROA, 15 U.S.C. §1679a(3), uses interstate-commerce-or-mails and service/consideration predicates; its application cannot be established solely by calling the Virgin Islands a state. govinfo.gov

2. Provider-classification decisions

The decisive territorial concept is acting as an intermediary between an individual and one or more of that individual's creditors to obtain concessions. “Concessions” are creditor assent to terms more favorable than the original contract. The statutory term provider includes persons offering or furnishing these services directly or through others. The definition does not expressly require that all covered debts be unsecured or household-purpose debts. Its reference to an individual distinguishes a natural person from a borrowing entity; mixed-purpose and secured cases need careful factual classification. law.justia.com

Activity / fact pattern	Territorial Chapter 7 result	Other law / unresolved edge
Paid debt-settlement negotiator seeks less than principal from creditors of a VI-resident individual	Covered, absent §403 exclusion; registration analysis required.	TSR additionally tested if qualifying telephone campaign and unsecured debts.
DMP operator negotiates reduced interest/late fees and distributes payments	Covered where acting as creditor-concession intermediary.	§§417–428 contain a distinct DMP fee, plan and trust-money track.
Paid “debt adjustment” or “debt negotiation” service	Name is not decisive. Covered if the functional §402(8) test is met.	No separate license is created merely by the marketing label.
General financial education or budgeting without creditor intermediation	Not established as debt-management services under §402(8).	Deceptive marketing, other professional/business rules may still apply; pure counseling classification should not be presumed from a label.
Credit-repair business promising to improve credit history but not negotiating debts	Chapter 7 coverage not established solely by credit-repair activity.	Test CROA and the TSR's distinct credit-repair provision if otherwise covered. Separate dedicated VI credit-repair registration law: NOT LOCATED in bounded examination; this is not a finding that none exists.
Creditor collecting, restructuring, or settling its own receivable	Merely being a creditor is not the intermediary role.	Creditor/collector conduct is a separately queued dimension. CROA expressly excludes a creditor to the extent it helps restructure debt owed to itself.
Actual lender provides a consolidation/refinance loan	Lending is not transformed into debt-management intermediation merely because proceeds pay old creditors.	Loan licensing and credit disclosures require their own product/activity analysis; no license by analogy.
Company advertises “consolidation,” but actually charges to negotiate old creditors' terms	Potential Chapter 7 provider based on conduct.	An actual loan and an intermediary service must be separated in the agreement and fund flows.
Individual owes a business-purpose debt	Chapter 7 potentially applies, because §402(8) does not expressly restrict purpose, if the debtor is an individual and the other predicates hold.	Do not import the personal/household limitation from a different VI statute or CROA.
LLC or corporation is the debtor	A business entity is not the statutory “individual” served under §402(8).	Other law remains possible; no universal deregulation inference.
Secured debt of a natural person	Chapter 7 does not expressly exclude it.	TSR “debt relief service” definition refers to unsecured creditors or debt collectors; collateral and creditor consequences deferred.
Fully online/off-island provider knowingly signs up a VI resident	Potentially covered regardless of local storefront.	§406 expressly contemplates applicants with no VI service location.
Unpaid service, including compensation neither from/on behalf of the individual nor from creditors	§403(b)(2) exclusion may apply.	Genuine absence of all specified compensation must be established.
Creditor-funded nonprofit counseling/settlement intermediary	Not exempt simply because nonprofit; creditor payments defeat the no-compensation premise.	See specific nonprofit governance rules below.
Attorney or accountant assisting with creditors	Genuine attorney-client legal services by a VI-authorized attorney, or accountant-client accounting services by a VI-licensed CPA, are outside §402(8)'s service definition.	Using a lawyer/CPA as a nominal affiliate does not automatically exclude a separate provider's commercial debt-settlement business.
Financial planner	Exception only for actual planner-client financial-planning services and the profession recognized by Lieutenant Governor rule with licensing, discipline, ethics and continuing education predicates.	No qualifying territorial implementing rule verified.
Bank; regulated bank affiliate; judicially directed person; specified incidental bill-paying service	Specific §403(c) exclusions in the ordinary course, as worded.	An unrelated service or unregulated affiliate cannot assume exemption.

law.justia.comlaw.justia.comlaw.justia.comgovinfo.gov## 3. Registration, security and exemptions

Regulatory issue	Read statutory answer	Limitation
Mandatory provider registration	§404(a): obtain VI registration before servicing an individual whom the provider reasonably should know resides in VI when services are agreed. Registered provider's employee/agent not separately registered merely for that role.	§403 exclusions, Chapter 7 effective/grandfather provisions and actual service classification control.
Authority and register	Lieutenant Governor. §404(c) requires a public list of registered-provider names.	Dedicated accessible list and its freshness unverified; no entity was searched.
Initial materials	Prescribed form/fee, surety or permitted security, trust-account identifiers and examination consent, misconduct insurance, Title 27 Chapter 9 proof, jurisdiction/process-service documentation, extensive personnel, audits, accreditation/counselor evidence, client forms and fees.	Exact current application and official fee schedule not obtained.
Nonresident / remote application	§406 asks for local locations or a statement that none exists; websites and electronic addresses are disclosed.	Registration still required if §404 applies.
License held in another state	§412 permits substitution of sufficiently equivalent prior application/license materials with additional VI information and current certification.	Application shortcut only; not reciprocal permission to operate before VI registration.
Initial misconduct insurance	Printed §405(b)(4) amount $250,000, qualifying insurer and coverage; deductible printed maximum $5,000; cancellation-notice protection.	Amount subject to §432(f) adjustments; live insurance/regulator rules not verified.
Renewal misconduct insurance	§411(b)(5): greater of printed $250,000 or highest daily customer trust balance in previous six months.	Actual adjusted minimum unknown.
Surety bond	§413 printed default $50,000, with individual regulator adjustment permitted; remains effective for two years after the provider ceases serving VI individuals. Approved alternative security under §414.	Neither bond face amount nor insurance premium is a consumer fee.
Renewal	Annual registration; renewal application in the period 30–60 days before expiration; audit, fee, coverage and activity figures; timely complete renewals have procedural continuation protections.	No actual certificate expiry or calendar is assumed.
Agency determination	§410 sets initial decision period of 120 days, possible additional 60 on stated grounds, notice/review procedures.	This is an agency obligation, not an automatic license-by-silence rule. An apparent word “Commission” in the reproduced text requires checking the enacted Act.
Nonprofit governance	§409(d) mandates denial if the nonprofit/tax-exempt applicant lacks an independent board as defined there.	Nonprofit status creates a governance predicate, not blanket exemption.
Employees, professional status, accreditation	Registered-provider employees/agents get §404(b)'s narrow treatment; certification, accreditation and professional exceptions have their own predicates.	Accreditation is not registration; an attorney's separate statutory professional role must be real.
Records and exams	Application statements, public/confidential information categories, specified updates, financial audits, insurer/bond controls and regulator examination powers apply.	Exact extra rules, reporting forms and schedule not obtained.
Suspension / revocation	§434 allows action for listed material violations, insolvency and failures of examination; emergency trust-related action and judicial steps have specific conditions.	No penalty or seizure should be assumed without the required process.

law.justia.comlaw.justia.comlaw.justia.comlaw.justia.comlaw.justia.comlaw.justia.comlaw.justia.comlaw.justia.comlaw.justia.comlaw.justia.com### The crucial fee-currentness hold

Section 432(f) directs the Lieutenant Governor to adopt inflation-adjusted dollar figures, based on a designated CPI-U base year, triggered by at least a 10% index change, effective July 1 as specified; most affected amounts are rounded to $100, whereas §423 fee figures are rounded to whole dollars. This reaches the statutory numbers in §§402, 405, 409, 413, 423, 433 and 435. The base-year rule, actual notices and any adjustment schedule were not retrieved.

Thus, the next figures are faithfully reported printed statutory figures, not certified 2026 effective maxima. No inflation factor or updated cap has been invented. law.justia.com

4. Permitted fees: territorial text versus federal timing

Charge or calculation	Title 12A, §423, as reproduced in 2025	Governing qualification
General prerequisite	No provider charge/payment except what §423 permits; valid signed agreement complying with §§419 and 428 before charges.	A signed contract is not enough to satisfy an independently applicable TSR timing prohibition.
Education/counseling without an agreement	Printed maximum $100, unless Lieutenant Governor approves more for actual nature/extent of services.	If a qualifying agreement follows within 90 days after those services end, §423(e) requires refund of that educational fee.
DMP involving reduced interest, late fees or finance charges	Printed startup ≤$50; monthly ≤min($10 × participating remaining creditors, $50).	No simultaneous collection under DMP and settlement startup/monthly tracks.
Settlement for less than principal	Printed setup ≤min($400, 4% × plan debt at inception); monthly ≤min($10 × remaining creditors, $50).	Subject to §419(d)'s refund provisions and federally applicable timing.
Additional settlement-service compensation	Per-debt ceiling: 30% × (principal when agreed − amount paid to creditor) − specified setup/monthly fees not previously credited against an earlier settlement fee.	§423(f)'s per-debt allocation and credit history must be documented; no negative additional fee is assumed.
Dishonored payment	Reasonable charge, printed ≤min($25, other applicable law's allowance).	Not a general “late charge” authorization.
Voluntary contributions	§424 bars solicitation from the individual or affiliate; limited acceptance, with aggregate collections restricted to otherwise authorized fees until 30 days after plan end.	Voluntary labels do not turn compensation into an exemption.
Creditor “fair share,” lender referral money	Actual source and recipient matter. Chapter 7 requires creditor-compensation disclosure and restricts provider referral compensation, with a narrow government-sponsored counseling exception.	No invented universal dollar or percentage cap on every creditor contribution.

law.justia.comlaw.justia.comlaw.justia.comWhen the FTC TSR applies, §310.4(a)(5) bars requesting or receiving debt-relief fees until a particular debt has been changed pursuant to an executed creditor agreement, the customer has made a payment under that agreement, and the prescribed per-debt proportional/savings allocation is met. For covered unsecured-debt telemarketing programs, this can prevent the up-front collection of startup or monthly fees that the territorial text otherwise describes. The TSR's separate qualified customer-owned account arrangement allows fund accumulation, subject to insured institution, independence, interest, referral and withdrawal/refund conditions; it does not allow advance earned provider fees. ecfr.govecfr.govecfr.gov

In turn, where covered credit-repair claims and consideration bring an actor within CROA, §1679b(b) bars charging for a service before it is fully performed. Where a covered telemarketing credit-improvement representation independently triggers TSR §310.4(a)(2), further completion-and-evidence conditions apply. Neither regime is automatically imposed on every bare negotiation of debt. govinfo.govCOMMERCE AND TRADEecfr.gov

5. Agreement, cancellation, creditor consent and customer money

Required pre-agreement work and disclosures

Under §417, a registered provider must give a retainable, itemized service/charge list. A certified counselor or certified debt specialist must provide financial education and analysis. For a plan involving regular payments, the provider must assess suitability and ability to pay, and have a basis for believing listed creditors will accept the contemplated payments.

Before assent, the individual must receive the applicable analysis, plan, creditor participation/nonparticipation information, alternatives and risk disclosures. The requirements distinguish plans anticipating reductions in interest and charges from plans anticipating reduced principal. Settlement-related risks include impaired credit, continued collection or litigation, possible increasing balances and potential tax consequences. Advertisements carry related warnings under §430. These are duties to evaluate and disclose, not proof that creditors have agreed. law.justia.comlaw.justia.com

Issue	Rule in the accessed territorial text	Qualification or limit
Form and copy	§419(a): retainable record, dated signatures of individual and provider, party details, services, itemized fees, payment schedules and immediate delivery of agreement.	§419(b) permits retrievable/saveable/printable electronic delivery with notice.
Creditor details	For regular creditor payments, identify expected participants, each obligation and planned disbursement; identify creditors expected not to participate.	Forecast participation is not an actual creditor concession.
Assent to larger settlement	Under §§419(e), 428(a)(2)–(3), a power of attorney cannot authorize settlement above 50% of debt principal; a creditor-approved settlement above 50% requires the individual's later assent.	A provider has no power to force a creditor to accept even a 50% offer.
Creditor rejection/withdrawal	Agreement must provide notice to the individual within five days after provider learns of a creditor's final rejection or withdrawal, identifying the creditor and the right to modify or terminate.	No universal deadline obliging a creditor to respond was established.
Choice of law/forum	§419(f) restricts choice-of-law, forum and remedial waivers.	The reproduced §419 contains apparent model-act section-reference remnants (“Section 27(a)” and “Section 20”); controlling Act comparison remains a hold.
Language	§421: English unless agency rule changes it; translated mandatory documents if provider communicates primarily in another language.	Actual implementing rules unverified.
Electronic disclosure	§418 applies federal E-SIGN consumer-consent predicates to specified sections; web disclosure presentation and paper-copy rights are detailed.	§418 specifically defines consumer for its purpose as primarily personal/family/household; cannot assume identical electronic route for a business-purpose individual.
Ordinary cancellation	§420(a): written/record notice by midnight on the third business day after assent; mailing effective when mailed.	A defective agreement under listed provisions permits the stated 30-day cancellation period instead.
Emergency waiver	§420(c): narrow actual financial emergency requiring early creditor disbursement; customer's own signed, dated explanation and explicit waiver.	Standard-form waiver is void.
Later individual termination	§419(d): individual may terminate at any time by written/electronic notice, without penalty; unused customer money is refunded, specified settlement setup fee portion refunded, powers of attorney revoked.	Already-authorized and earned charges require independent verification; creditor's remaining claim is unaffected.
Provider termination	§426(a): provider may terminate after 60 days' failure to make required payments; §426(b) controls immediate customer money and qualifying setup-fee return on termination by either party.	The contract cannot create a broader unilateral forfeiture of customer reserves.
Monthly accounting	§427: monthly during plan, on termination/cancellation, and within five business days of a request, with an exception for more than one request per calendar month.	Must show receipts, creditor payments, deductions, reserves and settlement-fee calculation details.
Record retention	§427 requires provider records for five years after the last payment by the individual.	This is a provider record duty, not the limitations period for creditor claims.

law.justia.comlaw.justia.comlaw.justia.comlaw.justia.comlaw.justia.comlaw.justia.comlaw.justia.comCancellation is not the same as forgiveness of debt. An individual can cancel or void an agreement with the provider under applicable rules, but the actual creditor still controls whether its original contract was altered or satisfied. No underlying debt, judgment, lien or adverse reporting entry is automatically nullified by a provider's registration failure.

Customer funds: distinguish two arrangements

Question	Provider-held VI trust money — §§402(20), 422	Federal TSR qualified dedicated account — §310.4(a)(5)(ii)
Trigger	Money given to the provider for distribution to creditors under a plan.	Covered TSR debt-relief program asks consumer to accumulate funds in a dedicated account.
Institution	Insured bank under territorial definition; segregated, identified trust arrangement.	Insured financial institution.
Ownership	Money is not the provider's/designee's property and is protected from their creditors as prescribed in §422(b).	Customer owns funds and receives any accrued interest.
Administrator	Provider may operate the regulated trust under §422, with ledger and reconciliation duties.	Administrator must be independent of, and unaffiliated with, debt-relief provider; no compensated business referrals between them.
Deposits	Provider deposits customer money within two business days of receipt.	No provider-fee entitlement arises merely from depositing savings.
Ledger/operations	Separate individual records, balances summing to actual cash, at least monthly reconciliation, payments under agreed plan/creditor due dates, corrections of misdirected transfers and reimbursement for resulting creditor fees.	Dedicated-account conditions govern; territorial provider-held trust rules are not silently imported to every independent third-party account.
Withdrawal/termination	Territorial §422(h) calls for prompt return of unspent money less §423-payable fees; §426 imposes immediate return on termination.	Qualified TSR account requires return of unearned funds within seven business days after customer withdrawal request.
Theft/failure	§422(g): immediate regulator notice of suspected unlawful appropriation and further information within the prescribed period unless modified by rule.	Applicable contract/account, federal and possible separate banking rules require their own review.
Insolvency	Statutory ownership protection stated for provider-held trust money.	Verify actual account title, administrator and ownership; cannot promise recovery from any insolvency merely because marketing calls an account “escrow.”

law.justia.comlaw.justia.comlaw.justia.comlaw.justia.comecfr.govNo located territorial operative provision establishes a blanket requirement that every settlement company's customer's account be in a bank physically located in the Virgin Islands. That does not eliminate account eligibility, registration, insurer, regulator-examination or bank-location reporting rules. Whether a distinct money-transmission license attaches to additional independent remittance conduct remains a separate, unresolved activity test under Title 9, Chapter 22—not a license inferred from the mere existence of Chapter 7. law.justia.com

6. Consequences, remedies and read-only consumer process

Route	Statutory powers or remedies	Conditions and limits
Lieutenant Governor investigation	§432(a)–(b): complaints, examinations within or outside VI, records and subpoenas, possible Attorney General referrals, exam expense recovery.	Individual identities in regulatory information have confidentiality limits.
Administrative correction	§433(a): desist/correct orders, restitution to aggrieved persons, civil actions, injunctions and intervention.	Printed civil penalty up to $10,000 per violation, subject to inflation rule, regulator discretion and enumerated factors.
Final-order violation	§433(b): printed civil penalty up to $20,000 per violation for specified final-order violations/knowing participation.	Not an automatic consumer damage award.
Registration sanctions	§434: suspension, revocation and nonrenewal on enumerated grounds; expedited protections for specified trust failures.	Applicable hearing and judicial procedures cannot be skipped.
Unauthorized fees	§425(a) makes the provider agreement voidable at the individual's election, with §435(b) providing a specified treble recovery in a civil action.	It is not automatic rescission of creditor contracts.
Unregistered provider	§§425(b)–(c), 435(a): individual may void provider agreement, with recovery in a civil action of paid/deposited money except amounts paid to creditors; provider loses specified contract/restitution claims against that individual.	Must establish requirement to register, absence of registration at assent and exercise of voidability.
Other material provider violations	§435(c): proven injury, including noneconomic injury; for enumerated sections, greater of injury or printed $5,000 minimum; punitive damages and fees as specified.	Class-action modification, actual violation, causation, statutory good-faith-error defense and judicial determination matter.
Cancellation-right violation	§435(e): additional expressly stated recovery of paid/deposited money excluding payments to creditors.	No automatic double restitution for the same dollars.
Consumer fraud overlap	Title 12A, Chapter 6 protects against specified deceptive consumer-service acts; §§327–328 establish DLCA enforcement, §331 addresses its private action.	§436 forbids a duplicate recovery under Chapters 6 and 7 for the same act/practice; Chapter 6's own consumer-purpose definitions and exemptions govern.
Limitation period for provider-law enforcement	§437: four years for specified Lieutenant Governor actions; private §435 action within two years after the latest of enumerated payments, accounting, discovery or agency-action events, with specified tolling.	These are provider statute limitation rules only; this pass does not research general debt limitations/revival.
Federal CROA, if independently applicable	§1679g allows a specified measure of actual damages/fees paid, court-allowed punitive damages and fees in successful actions.	Federal CROA definitions, exclusions and independent procedure control; do not transfer its remedies to a provider who is not covered.
Criminal offense	Chapter 7's expressly read remedy sections primarily specify civil/administrative action.	A Chapter 7-specific criminal penalty was not located in the bounded review; no declaration that other laws are inapplicable.
Square provider cases	No controlling appellate decision squarely deciding Chapter 7 settlement-provider applicability/fees was identified in the bounded official-court search.	NOT LOCATED, not proof that no decisions or agency orders exist.

law.justia.comlaw.justia.comlaw.justia.comlaw.justia.comlaw.justia.comlaw.justia.comgovinfo.govOfficial read-only public resource categories:

Lieutenant Governor — Banking, Insurance and Financial Regulation: principal provider-regulator identity and public notices.
DLCA Consumer Affairs: published unfair/deceptive-practice complaint function and general license-search entry point.
USVI Department of Justice: Attorney General/territorial civil and enforcement functions.
Virgin Islands judiciary: court hierarchy, rules and published-opinion navigation.
District Court Bankruptcy Division: independent federal alternative information; not an enrollment referral.

These are resources to understand a process, not a direction to submit a complaint, seek credit, enroll with a provider or commence proceedings.

Individual provider-evaluation checklist — documents only

Identify who contracts with the individual, who speaks to creditors, who collects compensation, and who holds funds. Keep the actual agreement, schedules and advertising representation.
Compare territorial registration to mere DLCA business licensing, another state's license, counselor accreditation and nonprofit representations. Do not infer identity or authority from the brand name.
Examine the exact fee base and earned-fee event: debt balance at agreement, amount actually paid to creditor, prior setup/monthly amounts, credits, refund and any paid creditor contributions.
Record whether there were telephone sales, interstate calls, qualifying unsecured debts, creditor-executed agreements and actual first creditor payment before fees. A web landing page alone does not settle TSR coverage.
Separate provider-held trust from customer-owned independent account. Read ownership, bank/administrator identity, reconciliation, disbursement permissions, withdrawal rights and termination instructions.
Look for the individualized analysis, creditor participation assumptions, litigation/credit/tax risk disclosures, cancellation form, language provisions, powers of attorney and periodic accountings.
Preserve the distinction between provider dispute and creditor obligation. A provider refund or cancellation does not prove a creditor released the debt.
If documents are missing or inconsistent, classify the result as unverified and retain the statutory issue; do not fill gaps with a savings estimate or an assumed provider promise.

Three bounded hypotheticals

Example A — classification and failed exemption

Assumptions: A company has no VI office. It is incorporated elsewhere, holds that state's registration, describes itself as nonprofit and offers telephone counseling. For a natural person whom it knows resides in St. Croix, it negotiates concessions with three credit-card issuers. Those issuers pay the company for successful enrollments. No attorney-client legal services or bank exemption is involved.

Predicates and result:

Three creditors' more-favorable terms are concessions, and the company is an intermediary: §402(6), (8), (15).
Known VI residence when agreeing means §404 applies even without a VI storefront.
Creditor compensation defeats the no-compensation exclusion in §403(b)(2).
Nonprofit status does not exempt it, and §409(d) adds an independent-board predicate.
Another state's registration may simplify submission under §412 but does not itself issue a VI certificate.

Conclusion: Treat Chapter 7 territorial registration as required on the stated assumptions. Its status remains unverified without the Lieutenant Governor's registration information. If genuine uncompensated counseling without creditor concessions replaced these facts, classification could differ. Consumer commercial-purpose or business-entity borrowing must also be evaluated separately. law.justia.comlaw.justia.comlaw.justia.comlaw.justia.com

Example B — worked fee ceiling and federal timing

Assumptions: One natural-person unsecured debt, original principal at agreement $10,000.00; creditor ultimately agrees to accept $6,000.00 in full satisfaction. Assume an otherwise valid VI settlement-plan agreement, a setup charge of $400.00, two monthly charges of $10.00 each, all uncredited against earlier settlement fees. Assume printed §423 figures apply only for this historical-text illustration; no separate inflation-adjustment figure is assumed.

Step	Plain-text equation	Result
Printed setup maximum	min($400.00, 0.04 × $10,000.00)	$400.00
Two one-creditor monthly maxima	2 × min($10.00 × 1, $50.00)	$20.00
Actual assumed creditor reduction	$10,000.00 − $6,000.00	$4,000.00
Printed per-debt settlement percentage ceiling	0.30 × $4,000.00	$1,200.00
Illustrative additional settlement-fee ceiling	$1,200.00 − $400.00 − $20.00	$780.00
Illustrative aggregate of these provider fees	$400.00 + $20.00 + $780.00	$1,200.00

All calculations are exact to cents; no rounding beyond displaying two decimal places is necessary. This is a ceiling calculation, not an authorized payment schedule or recommended price. It assumes the full $6,000 was actually paid to satisfy the debt and that §423(f)'s prior-credit conditions are met. For multiple debts, prior fee credits and each debt's separate base must be reconstructed.

If covered by the TSR, requesting the $400 setup and $10 monthly payments before its creditor-agreement/first-payment conditions would breach federal fee timing, notwithstanding these territorial printed allowances. If no qualifying settlement or payment has occurred, the illustrated $780 is not presently collectible merely because it can be calculated. Current territorial adjustment rules remain unresolved. law.justia.comecfr.govlaw.justia.com

Example C — termination and money versus creditor obligations

Assumptions: An individual has remitted $1,200.00 to a provider-held §422 trust for scheduled creditor payments. The provider has properly paid a creditor $350.00 and has earned no provider fee. The customer sends an effective later termination notice. A separate optional variant assumes $200.00 of a settlement setup fee was collected and none was credited to an earlier settlement fee.

Item	Calculation	Result
Individual's initial trust balance	Given	$1,200.00
Properly paid creditor	Given	−$350.00
Provider fees payable from reserve	Assumed zero	−$0.00
Remaining individual trust money	$1,200.00 − $350.00 − $0.00	$850.00
Variant: qualifying setup-fee refund	0.65 × $200.00	$130.00

Section 426(b) calls for immediate return of the $850.00 trust balance upon termination and, in the separate variant where its predicates hold, the $130.00 setup-fee refund. Section 419(d) revokes provider powers of attorney. The creditor retains the $350 properly paid and any remaining contractual debt unless there is an actual creditor agreement altering it.

A valid timely §420 cancellation presents a different refund analysis from later termination, including the required early-cancellation form and possible narrowly valid emergency waiver. An unaffiliated TSR-qualified savings account presents still another seven-business-day withdrawal rule. Nothing here assumes an actual cancellation date, holiday calendar, creditor release or provider insolvency recovery. law.justia.comlaw.justia.comlaw.justia.comlaw.justia.comecfr.gov

A. Visible source register

Register convention. All source checks below occurred October 26, 2026, unless explicitly distinguished. The full literal addresses appear in the tables; none is an abbreviated URL.

T — territorial codified-text mirror: An actual enacted-code section reproduced as 2025 Virgin Islands Code on Justia. The operative HTML section body was opened/read, unless marked otherwise. The site is not an official publisher, disclaims guaranteed currentness, and does not prove intervening amendments or implementing rules. For every T entry: jurisdiction USVI; asserted historical enactment Act No. 7145 (2010) for Chapter 7; checked 2026-10-26; HTML printed page = not applicable; PDF page index = not applicable; no source-document pixels examined. Historical session-law page references on that site were not independently inspected as page images.
G — government/official institutional page: Direct live HTML body or expressly limited discovery, current accessibility checked 2026-10-26; publication date often not shown; no PDF pages.
F — federal operative source: eCFR HTML displayed Title 16 version through October 22, 2026 or GPO's 2024 U.S. Code edition as specified, opened on 2026-10-26. eCFR is authoritative but expressly unofficial; GPO published Code text is an official federal source. A 2024 edition is not itself proof no later statutory amendment exists.
D — discovery or failed operative access only: Not evidence for a substantive claim.

A1. Territorial authority and full Chapter 7 text

Source ID	Issuer, title and full literal direct URL	Exact read bounds / status
J_VI-P01-S001	VI Election System, Virgin Islands Code — `https://vivote.gov/virgin-islands-code/`	G, page body, code-access statement and Lexis link. Current official-access direction; not operative §401–441 text.
J_VI-P01-S002	LexisNexis, VI Code public gateway — `https://advance.lexis.com/`	D; gateway/discovery only, operative Title 12A content not recovered. No authoritative reconciliation performed.
J_VI-P01-S003	Office of Lieutenant Governor, DBIFR — `https://ltg.gov.vi/departments/banking-insurance-and-financial-regulation/`	G, regulator's financial-services responsibilities, documents/links page. No read and authenticated Chapter 7 adjustments or registration roster obtained.
J_VI-P01-S004	DLCA, department home and license-search entry — `https://dlca.vi.gov/`	G, public navigation/features; no entity lookup. General licensing only.
J_VI-P01-S005	VI Supreme Court, About Us — `https://supreme.vicourts.org/about_us`	G, institutional appellate history/jurisdiction text, §§ on establishment and appeals. Not an opinion deciding Chapter 7.
J_VI-P01-S006	District Court of VI, Bankruptcy Division — `https://www.vid.uscourts.gov/bankruptcy-division-0`	G, federal bankruptcy division and scope description; no individual eligibility or case search.
J_VI-P01-S007	Virgin Islands Code, Title 12A Ch.7 index — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/`	T, full statutory section inventory §§401–441; index alone not operative proof.
J_VI-P01-S008	VI Legislature law, §401 Short title — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/401/`	T, §401 body/history, Act short name.
J_VI-P01-S009	VI Legislature law, §402 Definitions — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/402/`	T, §§402(1)–(20), especially (3), (5)–(9), (11)–(15), (17), (19)–(20).
J_VI-P01-S010	VI Legislature law, §403 Exempt agreements and persons — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/403/`	T, §§403(a), (b)(1)–(2), (c)(1)–(4).
J_VI-P01-S011	VI Legislature law, §404 Registration — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/404/`	T, §§404(a)–(c), resident knowledge, agent and public-list requirement.
J_VI-P01-S012	VI Legislature law, §405 Application form, fee and documents — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/405/`	T, §§405(a)–(b), including (b)(1)–(6). Printed insurance/bond-related predicates; apparent drafting irregularity in (b)(5), original-law verification hold.
J_VI-P01-S013	VI Legislature law, §406 Application required information — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/406/`	T, enumerated application paragraphs (1)–(19), locations, internet, audits, accreditation, personnel, programs and agreements.
J_VI-P01-S014	VI Legislature law, §407 Changes in information — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/407/`	T, §407 update duty and enumerated cross-references; prescribed ten-day update in specified circumstances.
J_VI-P01-S015	VI Legislature law, §408 Public information — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/408/`	T, §408 application public-inspection and confidential categories; not a retrieval of actual applications.
J_VI-P01-S016	VI Legislature law, §409 Issuance or denial — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/409/`	T, §§409(a)–(d), temporary authority, fitness, nonprofit-board condition.
J_VI-P01-S017	VI Legislature law, §410 Registration timing — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/410/`	T, §§410(a)–(c): agency time, hearing/review, one-year term; apparent “Commission” reference requires enacted-text check.
J_VI-P01-S018	VI Legislature law, §411 Renewal — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/411/`	T, §§411(a)–(e), advance application, coverage, accounts, pendency and denial consequences.
J_VI-P01-S019	VI Legislature law, §412 Registration in another state — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/412/`	T, introductory paragraph and (1)–(3); application substitution, not registration reciprocity.
J_VI-P01-S020	VI Legislature law, §413 Bond required — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/413/`	T, §§413(a)–(e): face amount, adjustment discretion, continuity, claims.
J_VI-P01-S021	VI Legislature law, §414 Bond substitute — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/414/`	T, §§414(a)(1)–(2), (b): approved insurance, letters of credit and obligations.
J_VI-P01-S022	VI Legislature law, §415 Good faith — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/415/`	T, operative section opened; note distinct §435(f) specific litigation defense.
J_VI-P01-S023	VI Legislature law, §416 Customer service — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/416/`	D, direct opening failed; third-party search index identifies heading, but actual current operative text not relied upon. Customer-service detail held.
J_VI-P01-S024	VI Legislature law, §417 Prerequisites — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/417/`	T, §§417(a)–(d), complete long disclosure/plan/counselor provisions.
J_VI-P01-S025	VI Legislature law, §418 Electronic communication — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/418/`	T, §§418(a)–(i), E-SIGN consent, online display, paper copies and termination procedures.
J_VI-P01-S026	VI Legislature law, §419 Agreement — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/419/`	T, §§419(a)–(g), contract, creditor consent, termination, powers of attorney, forum terms. Contains apparent residual model numbering.
J_VI-P01-S027	VI Legislature law, §420 Cancellation and waiver — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/420/`	T, §§420(a)–(c), both cancellation windows, form and emergency waiver.
J_VI-P01-S028	VI Legislature law, §421 Language — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/421/`	T, complete §421, English/translation/possible rule modification.
J_VI-P01-S029	VI Legislature law, §422 Trust account — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/422/`	T, §§422(a)–(i), beneficiary, deposits, ledgers, reconciliation, suspicious loss, relocation, refund.
J_VI-P01-S030	VI Legislature law, §423 Fees and charges — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/423/`	T, §§423(a)–(g), all fee tracks, crediting and conditional dollar adjustment.
J_VI-P01-S031	VI Legislature law, §424 Voluntary contributions — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/424/`	T, entire §424, no solicitation and aggregate restriction.
J_VI-P01-S032	VI Legislature law, §425 Voidable agreements — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/425/`	T, §§425(a)–(c), fee and registration-related voidability.
J_VI-P01-S033	VI Legislature law, §426 Termination — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/426/`	T, §§426(a)–(b), missed payments and mandatory returns.
J_VI-P01-S034	VI Legislature law, §427 Reports/record retention — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/427/`	T, §§427(a)–(c), statement content, timing, five-year preservation.
J_VI-P01-S035	VI Legislature law, §428 Prohibited practices — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/428/`	T, §§428(a)–(d), trust, assent, referral and other prohibited conduct; exceptions inspected with main restrictions.
J_VI-P01-S036	VI Legislature law, §429 Notice of claims — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/429/`	T, §429 provider notice to regulator concerning covered litigation.
J_VI-P01-S037	VI Legislature law, §430 Advertising — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/430/`	T, §§430(a)–(b), DMP and settlement-specific warning disclosures.
J_VI-P01-S038	VI Legislature law, §431 Delegation — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/431/`	T, §431: provider responsibility for delegated services.
J_VI-P01-S039	VI Legislature law, §432 Lieutenant Governor powers — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/432/`	T, §§432(a)–(g), complaints, exams, rules, fees, CPI triggers, rounding and public notice.
J_VI-P01-S040	VI Legislature law, §433 Administrative remedies — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/433/`	T, §§433(a)–(e), penalties, enforcement and mitigating factors.
J_VI-P01-S041	VI Legislature law, §434 Suspension/revocation — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/434/`	T, §434 entire operative section, ordinary/emergency sanctions and process.
J_VI-P01-S042	VI Legislature law, §435 Private enforcement — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/435/`	T, §§435(a)–(g), separate remedies and defenses.
J_VI-P01-S043	VI Legislature law, §436 Chapter 6 overlap — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/436/`	T, complete no-double-recovery provision.
J_VI-P01-S044	VI Legislature law, §437 Limitation periods — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/437/`	T, §§437(a)–(c), provider enforcement and private-action limitation triggers only.
J_VI-P01-S045	VI Legislature law, §438 Uniformity of application — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/438/`	T, complete interpretive provision; does not enact every later model-law revision.
J_VI-P01-S046	VI Legislature law, §439 Relation to E-SIGN — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/439/`	T, complete §439, retained federal consumer-consent protections.
J_VI-P01-S047	VI Legislature law, §440 Transitional transactions — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/440/`	T, complete provision; original operative effective date not established.
J_VI-P01-S048	VI Legislature law, §441 Severability — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/441/`	T, complete severability provision.

All Chapter 7 statutory links above contain reproductions of enacted text, not a new opinion from the hosting website. Their source-authenticity weakness is deliberately retained. The 2008/2011 national Uniform Law Commission model versions and other states' enactments were not substituted for the Virgin Islands statute.

A2. Adjacent territorial law, federal statutes, regulations and institutional sources

Source ID	Issuer, title and full literal direct URL	Exact read bounds, version, pages and limits
J_VI-P01-S049	VI Legislature law, Title 27 §301, general licenses — `https://law.justia.com/codes/virgin-islands/title-27/chapter-9/subchapter-i/301/`	T, 2025 Title 27 §301 operative body, business-licensing framework. Chapter 7 applications reference compliance; not a verified Chapter 7 certificate.
J_VI-P01-S050	VI Legislature law, Title 27 §302, covered businesses/fees — `https://law.justia.com/codes/virgin-islands/title-27/chapter-9/subchapter-i/302/`	T, 2025 Title 27 §302 list/amounts, read for debt-management and adjacent collection/credit business categories. Do not relabel a collector's license as a provider registration.
J_VI-P01-S051	VI Legislature law, Title 12A §303, consumer-fraud definitions — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/303/`	T, 2025 Chapter 6 §§303(c)–(f), (h), (k)–(l), consumer/deception/department definitions. Different coverage from Chapter 7.
J_VI-P01-S052	VI Legislature law, Title 12A §304, deceptive practices — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/304/`	T, 2025 §304 prohibited conduct. No debt-management license created by this provision.
J_VI-P01-S053	VI Legislature law, Title 12A §327, DLCA enforcement — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/327/`	T, 2025 §327 body; Chapter 6 authority only.
J_VI-P01-S054	VI Legislature law, Title 12A §328, DLCA remedies — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/328/`	T, 2025 §328 administrative/judicial remedy body; not automatically an individual Chapter 7 award.
J_VI-P01-S055	VI Legislature law, Title 12A §331, private action — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/331/`	T, 2025 §331 action and remedies, subject to its elements and §436 nonduplication.
J_VI-P01-S056	VI Legislature law, Title 12A §333, exceptions — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/333/`	T, 2025 §333; an exemption from Chapter 6 is not necessarily an exemption from Chapter 7.
J_VI-P01-S057	VI Legislature law, Title 9 Ch.22, Uniform Money Services Act index — `https://law.justia.com/codes/virgin-islands/title-9/chapter-22/`	T-index, 2025 separate money-transmission/check-cashing/currency-license organization. Index alone cannot resolve independent payment-intermediary licensing.
J_VI-P01-S058	FTC/OFR, 16 CFR §310.2, definitions — `https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2`	F, eCFR displayed as of 2026-10-22; actual §§310.2(o), (ff), (hh)–(ii) read. HTML; printed/PDF n/a.

| J_VI-P01-S059 | FTC/OFR, 16 CFR §310.3, disclosure/misrepresentation — https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310 | F, whole Part 310 operative HTML, §310.3(a)(1)(viii), (a)(2), footnote 1 read. Specific### A2. Adjacent territorial law and institutions

For the territorial-code rows in this table, T has the same read-date, version, HTML-only, currentness and nonofficial-host limitations defined above.

Source ID	Issuer, title and full literal direct URL	Exact read bounds / status
J_VI-P01-S049	VI Legislature law, Title 27 §301 Business licenses — `https://law.justia.com/codes/virgin-islands/title-27/chapter-9/subchapter-i/301/`	T, §301 application/general license prerequisites. Separate from Chapter 7 registration.
J_VI-P01-S050	VI Legislature law, Title 27 §302 Categories and fees — `https://law.justia.com/codes/virgin-islands/title-27/chapter-9/subchapter-i/302/`	T, full category/fee list; checked relevant credit-bureau/collection wording and absence of an obvious separately named debt-settlement line; no equivalence presumed.
J_VI-P01-S051	VI Legislature law, Title 12A §303 Consumer-fraud definitions — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/303/`	T, §§303(c)–(f), (h), (j)–(l): DLCA, consumer purpose, deception, commerce and telemarketing.
J_VI-P01-S052	VI Legislature law, Title 12A §304 Deceptive business practices — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/304/`	T, §304 operative prohibition.
J_VI-P01-S053	VI Legislature law, Title 12A §327 Enforcement — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/327/`	T, §327 DLCA enforcement.
J_VI-P01-S054	VI Legislature law, Title 12A §328 DLCA remedies — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/328/`	T, §328 agency relief, procedural predicates; not borrowed as Chapter 7 provider penalties.
J_VI-P01-S055	VI Legislature law, Title 12A §331 Private right of action — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/331/`	T, §331 specific private-action text, including its class-action/treble context. No assumed general individual Chapter 6 remedy beyond its actual wording.
J_VI-P01-S056	VI Legislature law, Title 12A §333 Exemptions — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/333/`	T, §333 exemption; applies to Chapter 6 analysis, not automatically Chapter 7.
J_VI-P01-S057	VI Legislature law, Title 9 Ch.22 Uniform Money Services Act — `https://law.justia.com/codes/virgin-islands/title-9/chapter-22/`	T, chapter/subchapter headings only; adjacent activity-law discovery, not sufficient to find debt-plan administration automatically licensed as transmission.
J_VI-P01-S058	FTC/OFR, 16 CFR §310.2 TSR definitions — `https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2`	F, entire §310.2, especially (o), (ff), (hh)–(ii). eCFR displayed 2026-10-22 version, last Title 16 amendment 2026-10-19; HTML, no print/PDF index.
J_VI-P01-S059	FTC/OFR, 16 CFR §310.3 through Part 310 complete text — `https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310`	F, actual §310.3(a)(1)(viii), misrepresentation terms, associated footnote read within Part 310; direct single-section fetch was unreliable. Same dated eCFR display and HTML limitations.
J_VI-P01-S060	FTC/OFR, 16 CFR §310.4 Abusive telemarketing — `https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4`	F, §§310.4(a)(2), (a)(5)(i)(A)–(C), (a)(5)(ii)(A)–(E); same eCFR status; no PDF inspected.
J_VI-P01-S061	FTC/OFR, 16 CFR §310.6 Exemptions — `https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6`	F, §§310.6(b)(3)–(7) and exception clauses; same version, HTML.
J_VI-P01-S062	FTC staff, Debt Relief Services and the Telemarketing Sales Rule: A Guide for Business — `https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business`	G / agency guidance, live explanatory body, initially issued for 2010 debt-relief rules, checked 2026-10-26; not controlling against current CFR text.
J_VI-P01-S063	U.S. Congress/GPO, 15 USC §44 FTC Act definitions — `https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec44.htm`	F, 2024 U.S. Code HTML §44 “Commerce” and “Corporation”; no print/PDF page examined.
J_VI-P01-S064	U.S. Congress/GPO, 15 USC §1679a CROA definitions — `https://www.govinfo.gov/link/uscode/15/1679a`	F, official 2024 U.S. Code PDF text layer, §1679a(1)–(4), printed p. 1552; PDF index 0. No pixel/image inspection.
J_VI-P01-S065	U.S. Congress/GPO, 15 USC §1679b CROA prohibited practices — `https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A-sec1679b.htm`	F, 2024 Code HTML, §§1679b(a)–(b); printed/PDF page not inspected.
J_VI-P01-S066	U.S. Congress/GPO, 15 USC §1679c CROA disclosures — `https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A-sec1679c.htm`	F, 2024 Code HTML, §§1679c(a)–(c); printed/PDF page not inspected.
J_VI-P01-S067	U.S. Congress/GPO, 15 USC §1679d CROA contracts — `https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A-sec1679d.htm`	F, 2024 Code HTML, §§1679d(a)–(b), performance and terms; no PDF inspected.
J_VI-P01-S068	U.S. Congress/GPO, 15 USC §1679e CROA cancellation — `https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A-sec1679e.htm`	F, 2024 Code HTML, §§1679e(a)–(c), cancellation/copy requirements; no PDF inspected.
J_VI-P01-S069	U.S. Congress/GPO, 15 USC §1679g CROA civil liability — `https://www.govinfo.gov/link/uscode/15/1679g`	F, 2024 Code PDF text layer, §§1679g(a)–(b), printed p. 1555; PDF index 0; no pixel inspection.
J_VI-P01-S070	U.S. Congress/GPO, 15 USC §1679h CROA public enforcement — `https://www.govinfo.gov/link/uscode/15/1679h`	F, 2024 Code PDF text layer, §§1679h(a)–(c), spanning printed pp. 1555–1556; PDF indices 0–1; no pixel inspection. Territorial “State” authorization issue not resolved beyond actual federal text.
J_VI-P01-S071	U.S. Congress/GPO, 15 USC §1679j Relation to state law — `https://www.govinfo.gov/link/uscode/15/1679j`	F, 2024 Code PDF text layer, §1679j printed p. 1556; PDF index 0; no pixel inspection.
J_VI-P01-S072	USVI Department of Justice, institutional site — `https://usvidoj.com/`	G, Attorney General/territorial enforcement office description; no actual enforcement docket or contact.
J_VI-P01-S073	DLCA, Consumer Affairs — `https://www.dlca.vi.gov/consumeraffairs/`	G, agency functions and public license/complaint navigation; no private complaint, lookup or submission.
J_VI-P01-S074	Superior Court, Civil Division FAQs — `https://superior.vicourts.org/office_of_the_clerk/civil_division/civil_division_f_a_qs`	G, public court-information page and site links; no person-specific case. Substantive legal-aid eligibility not verified.
J_VI-P01-S075	VI Legislature law, Title 9 §503 Money services exclusions — `https://law.justia.com/codes/virgin-islands/title-9/chapter-22/subchapter-i/503/`	T, actual exclusions (1)–(10) read; not a full determination of whether any debt provider transmits money.
J_VI-P01-S076	VI Legislature law, Title 9 §511 Money transmission license — `https://law.justia.com/codes/virgin-islands/title-9/chapter-22/subchapter-ii/511/`	D, indexed §511 title but direct body failed; no separate licensing conclusion drawn.
J_VI-P01-S077	Legislature institutional gateway — `https://legvi.org/`	D, official legislature/code/bill-source discovery; direct operative page retrieval failed. No authenticated Act 7145 file read.

Historical and status distinctions: The 2025 code-section text states Act No. 7145 was added January 27, 2010, with 2009 session-law pagination. That is historical enactment metadata, not proof that a bill became operative immediately or that no later amendment or adjustment occurred. No proposed bill or model-law text has been treated as enacted VI law. The web search returning the British Virgin Islands government's gov.vg law database was excluded as a different country/jurisdiction.

Bounded negative searches, October 26, 2026: Public indexed searches covered ltg.gov.vi, legvi.org, dlca.vi.gov, supreme.vicourts.org, vicourts.org, vid.uscourts.gov and ca3.uscourts.gov. Exact combinations included “Act 7145”, “debt-management” “rule”, “debt management” “registration”, “12A V.I.C.” “423”, “12A” “435” and “Uniform Debt-Management Services Act”. They found the regulator's general page but did not retrieve the specific operative Chapter 7 rule, fee adjustment, registered-provider roster, or square controlling opinion. These are bounded search results, never proof of legal absence.

B. Visible claim register — A066 / J_VI-P01

Every row is an A066 research claim, not an accepted operational rule. Source IDs refer to the full URLs and access notes above.

Access/confidence key: P = clearly readable enacted territorial text in an unofficial 2025 mirror, 2026 currency held; F = direct federal text within the stated version; G = government institution's direct public statement; I = bounded interpretation requiring the specified predicates; U = unresolved/discovery only. None represents independent legal review.

B1. Authority, classification, registration

Claim ID	Precise A066 statement	Sources and exact pinpoints	Conditions, effect, confidence
J_VI-P01-C001	Title 12A Ch.7 is reproduced as a VI enactment added by Act 7145 on January 27, 2010; authenticated current consolidation/effective date not obtained.	S007 §§401–441 index; S008 §401 history; S047 §440; S001 code gateway; S002 failed operative access.	Historical statute located; do not use 2025 label as 2026 certification. P/U
J_VI-P01-C002	Lieutenant Governor is Chapter 7 regulator; DBIFR publicly identifies debt-management providers among regulated businesses.	S011 §404(c); S039 §432(a)–(g); S003 regulator description.	Registration, examination and enforcement distinct from DLCA consumer enforcement. P+G
J_VI-P01-C003	VI Supreme Court is highest territorial appellate court; Superior Court handles territorial proceedings; federal Bankruptcy Division exists in District Court.	S005 institutional appellate-jurisdiction paragraph; S017 §410(b)(2); S006 bankruptcy page.	Federal/territorial/private jurisdiction must be independently satisfied. G+P
J_VI-P01-C004	Territorial definition of state expressly includes VI; Chapter 7's registration/residence tests apply to known or reasonably known VI residents when the service undertaking is made.	S009 §402(19); S010 §§403(a)–(b)(1); S011 §404(a).	Remote provider can be covered; no local storefront necessity. P
J_VI-P01-C005	FTC Act commerce definition includes a U.S. territory; TSR separately defines territory-inclusive state and qualifying multistate phone campaign.	S063 §44; S058 §§310.2(ff), (hh)–(ii); S061 §310.6.	Geographic inclusion is not universal TSR applicability. F
J_VI-P01-C006	CROA classification uses interstate commerce or mails, consideration and consumer-credit-history purpose; it has express actor exclusions.	S064 §1679a(1)–(3); S071 §1679j.	No premise that every VI credit counselor or negotiator meets CROA. F
J_VI-P01-C007	Territorial debt-management service is intermediary conduct intended to secure creditor concessions; provider includes offering/service through others.	S009 §§402(6), (8), (13)–(15).	Functional conduct, not business label, governs. P
J_VI-P01-C008	Dedicated statute has enumerated professional, uncompensated, bank/bank-affiliate, judicial and incidental bill-payment exclusions.	S009 §402(8)(A)–(C); S010 §403(a)–(c).	Each exclusion requires its actual relationship/occupation/ordinary-course predicates. P
J_VI-P01-C009	No-compensation exception requires none from/on behalf of clients and their creditors; nonprofit label and creditor funding do not themselves qualify.	S010 §403(b)(2); S016 §409(d).	A creditor-funded intermediary may need registration and nonprofit independent board. P/I
J_VI-P01-C010	VI Chapter 7 speaks of an individual debtor without express secured/unsecured or personal-purpose limits in §402(8); CROA expressly uses consumer credit and TSR expressly unsecured creditors/debt collectors.	S009 §§402(8)–(9), (12); S058 §310.2(o); S064 §§1679a(1)–(3).	Natural person's business-purpose/secured cases possible under VI act; entity debtor is distinct; no cross-imported limitations. P/F/I
J_VI-P01-C011	Paid third-party negotiation is analytically distinct from lender advancing new funds or a creditor revising its own obligation.	S009 §§402(6), (8), (15); S064 §1679a(3)(B)(ii); S057 Title 9 chapter map.	Loan, collection and remittance activity may invoke separate law; no analogy-created Chapter 7 classification. P/F/I
J_VI-P01-C012	Provider must register for §404-covered VI individual before services; registered provider employee/agent has a narrow exemption from separate registration.	S011 §§404(a)–(b); S010 §403.	Applies only when actor/service/residence and exemptions tested. P
J_VI-P01-C013	Lieutenant Governor must maintain/publicize names of registered providers; particular public online roster was not found.	S011 §404(c); S003 official agency page.	Statutory duty established, lookup availability/current roster unverified. P/U
J_VI-P01-C014	Registration application includes regulator-set fee, bond/security, financial insurance, trust disclosures/consent, VI licensing/process-service details, locations, web presence, background/audit/accreditation documents and sample agreements.	S012 §§405(a)–(b); S013 §406(1)–(19); S049 §301.	No exact issued form/current filing charge, branch tariff or implementation verified. P
J_VI-P01-C015	Defined changed application information must be updated and specified filings are public while sensitive records are protected.	S014 §407; S015 §408.	Applies to enumerated items, not an invented universal publication or reporting obligation. P
J_VI-P01-C016	Certificate may be issued or denied under enumerated predicates; nonprofit/tax-exempt applicant must have sufficiently independent board; specified application decision/hearing/review periods exist.	S016 §§409(a)–(d); S017 §§410(a)–(c).	Temporary authority is discretionary; missing agency act does not create automatic registration; drafting anomaly held. P
J_VI-P01-C017	Annual renewal includes 30–60-day preexpiry filing period, financial/reporting material and specified pendency safeguards; other-state registration supplies application material only.	S018 §§411(a)–(e); S019 §412(1)–(3).	Neither prior license nor pending incomplete VI filing guarantees authorization. P
J_VI-P01-C018	Initial printed misconduct insurance $250,000; renewal greater of $250,000 or maximum recent trust balance; printed bond default $50,000 with discretionary variation and approved substitutes.	S012 §405(b)(4); S018 §411(b)(5); S020 §§413(a)–(e); S021 §414.	Security/prudential figures may be inflation-adjusted; premium ≠ consumer fee. P
J_VI-P01-C019	Regulator sets administration fees by rule and must adjust specified statute dollar figures using CPI-U trigger, base-year method and July 1 rule.	S012 §405(b)(1); S039 §§432(e)–(g).	2026 live schedule, CPI base year and notification not obtained. Do not certify any printed amount. P/U
J_VI-P01-C020	Territorial transition protects qualifying pre-effective transactions, but date of original effect not established in retrieved Act.	S047 §440; S008 §401 history.	Grandfathering cannot be computed from signing/publication date alone. P/U

B2. Service conduct, agreements, fees and customer funds

Claim ID	Precise A066 statement	Sources and exact pinpoints	Conditions, effect, confidence
J_VI-P01-C021	Provider must prepare itemized charges, financial analysis, education and suitable/affordable periodic-payment plan with expected creditor participation; specific risk and alternative disclosures precede assent.	S024 §§417(a)–(d); S037 §§430(a)–(b).	Separate DMP and settlement contexts; no creditor assent guaranteed. P
J_VI-P01-C022	Agreement needs dated signed record, immediate copy, individual/creditor/fee/payment schedule and nonparticipating creditor information; choice-of-law and remedy restrictions apply.	S026 §§419(a)–(c), (f)–(g).	Printed cross-refs “Section 20/27(a)” remain reconciliation hold. P/U
J_VI-P01-C023	Powers of attorney may authorize settlement ≤50% principal; greater-than-50%-principal settlement needs assent after creditor assent; final creditor rejection must be notified within five days of knowledge.	S026 §§419(d)(3), (e); S035 §428(a)(2)–(4).	Provider cannot unilaterally secure creditor concession. P
J_VI-P01-C024	Ordinary agreement cancellation by record before third-business-day midnight; defective specified agreement permits 30-day cancellation; genuine emergency waiver must be individual's own signed words.	S027 §§420(a)–(c).	No actual date calculated absent trigger, service, holiday/counting facts; refund and termination tracks distinct. P
J_VI-P01-C025	Required language is English absent rule change, plus translation for provider's primarily other-language communication; E-SIGN predicates apply to defined consumer disclosures.	S028 §421; S025 §§418(a)–(i); S046 §439.	§418 consumer-purpose condition is narrower; translating alone does not cure other deficiencies. P
J_VI-P01-C026	Individual may terminate at any time by record; provider may terminate after 60 days of missed contract payments; unused trust money and 65% of qualifying uncredited setup fee must return as specified.	S026 §419(d); S033 §§426(a)–(b); S029 §422(h).	Revoke powers of attorney; earned fees and early cancellation have separate analyses. P
J_VI-P01-C027	Provider-held plan funds for creditor distribution are trust assets, deposited within two business days, individually accounted and monthly reconciled; erroneous payments corrected and specified costs reimbursed.	S009 §402(20); S029 §§422(a)–(i).	Trigger is actual provider receipt for plan creditor disbursement; no universal assumption about independent accounts. P
J_VI-P01-C028	Provider supplies periodic and termination accounting, including each creditor payment, reserve, charge and settlement fee math; retains required records for five years.	S034 §§427(a)–(c).	Monthly and five-business-day-on-request requirements have the stated request-frequency condition. P
J_VI-P01-C029	Certain trust misuse, excessive authority, misrepresentation, referrals, employee incentives, related lending/purchasing and misleading guarantees are prohibited.	S035 §§428(a)–(d); S038 §431.	Read operative exceptions, especially conditional referral and government-sponsored counseling treatment; delegates do not erase provider responsibility. P
J_VI-P01-C030	VI printed DMP startup $50 maximum and monthly min($10 × remaining creditors, $50); separate settlement setup min($400, 4% of initial plan debt) and same monthly ceiling, with no simultaneous tracks.	S030 §§423(a)–(d)(3); S039 §432(f).	Only for covered and otherwise valid agreements; effective dollar adjustment/TSR fee timing hold. P
J_VI-P01-C031	VI settlement-specific per-debt compensation ≤30% of principal less actually paid creditor, then subtract setup/monthly fees to extent not previously credited.	S030 §423(f)(1)–(2); S009 §402(14), (17).	Each debt, historical principal, final payment and fee-credit ledger required. P
J_VI-P01-C032	No-plan counseling printed $100 maximum absent regulator approval and refunded if timely converted to plan; dishonored-payment limit and donation rules apply.	S030 §§423(d)(4), (e), (g); S031 §424.	Amounts subject to adjustment/other law; donations not solicited and cannot circumvent fees. P
J_VI-P01-C033	Covered TSR debt-relief service requires specified pre-enrollment material disclosures and prohibits material misrepresentation.	S058 §310.2(o),(ii); S059 §310.3(a)(1)(viii), corresponding footnote and misrepresentation clauses; S061 §310.6.	Qualifying telemarketing campaign and statutory actor/exemption analysis essential. F
J_VI-P01-C034	Covered TSR provider cannot request/receive fee before executed altered-debt agreement plus consumer payment and compliant per-debt allocation; qualifying dedicated accounts have independent-owner/refund predicates.	S060 §§310.4(a)(5)(i)(A)–(C), (ii)(A)–(E); S061 §310.6.	Territorial permissive cap does not override federal timing; funds saved ≠ earned fee. F
J_VI-P01-C035	Covered telemarketing credit-improvement representations additionally face TSR §310.4(a)(2)'s completion/result evidence; CROA covered services cannot be charged before fully performed.	S060 §310.4(a)(2); S064 §1679a(3); S065 §1679b(b).	Separate predicates; no automatic application to bare debt negotiation. F
J_VI-P01-C036	CROA calls for separate written disclosure, dated written contract and three-business-day no-service/cancellation protections where covered.	S066 §§1679c(a)–(c); S067 §§1679d(a)–(b); S068 §§1679e(a)–(c).	No exact personal deadline without execution/calendar facts. F

B3. Enforcement, crossover and limitations

Claim ID	Precise A066 statement	Sources and exact pinpoints	Conditions, effect, confidence
J_VI-P01-C037	Unauthorized §423/§424 fees and unregistered provider at assent make the provider agreement voidable, with separate enforcement consequences.	S032 §§425(a)–(c); S042 §§435(a)–(b).	Individual's election, violation and recipient of payment matter; no automatic creditor debt discharge. P
J_VI-P01-C038	Lieutenant Governor may investigate, examine, order cessation/correction/restitution, litigate, intervene and impose printed administrative penalty limits.	S039 §§432(a)–(e); S040 §§433(a)–(e).	Maximum printed $10,000/violation or qualifying final-order $20,000/violation, subject to adjustment/process. P
J_VI-P01-C039	Registration may be suspended/revoked/nonrenewed with enumerated grounds, emergency safeguards and hearing/judicial steps.	S041 §434; S017 §410(b).	Not automatic upon allegation; protected procedural rights. P
J_VI-P01-C040	§435 creates express individual civil actions: return of qualifying monies, specified treble amounts, compensatory/statutory-minimum damages, punitive damages and fees; good-faith-error defense and class modification.	S042 §§435(a)–(g); S039 §432(f).	Remedy-by-remedy predicates, no assumed award or current $5,000 minimum. P
J_VI-P01-C041	Provider enforcement has §437's four-year governmental and two-year latest-trigger private periods, plus statutory toll; Chapter 6 duplicate recovery barred.	S044 §§437(a)–(c); S043 §436.	Provider-law time periods only, not general debt limitation/revival. P
J_VI-P01-C042	Territorial Chapter 6 independently governs defined deceptive consumer-service conduct, with DLCA agency and express private provisions subject to its own limits.	S051 §§303(c)–(f), (k); S052 §304; S053 §327; S054 §328; S055 §331; S056 §333.	Do not transfer Chapter 6 definitions, fee/penalty numbers or exemptions wholesale to Chapter 7. P
J_VI-P01-C043	Title 27 requires general business-licensing analysis; Title 9 separately contains money-services law, but actual additional transmission liability remains unclassified.	S012 §405(b)(5); S049 §301; S050 §302; S057 Chapter 22 index; S075 §503; S076 unread §511.	No new mandatory debt-provider license solely by analogy. P/U/I
J_VI-P01-C044	CROA expressly provides private civil liability and federal enforcement, with relation-to-state-law rule; applicability must be separately established.	S069 §1679g(a)–(b), printed 1555/PDF 0; S070 §1679h(a)–(c), printed 1555–1556/PDF 0–1; S071 §1679j, printed 1556/PDF 0.	U.S.-Code 2024 edition; statutory covered entity/individual predicates still control. F
J_VI-P01-C045	The public regulator/complaint agencies and court/bankruptcy information are identifiable without any entity-specific action.	S003 DBIFR role; S004 DLCA navigation; S072 DOJ role; S073 Consumer Affairs duties; S005/S006 courts; S074 court site.	Read-only process, not actual complaint resolution, lawyer referral guarantee or bankruptcy advice. G
J_VI-P01-C046	Three hypothetical computations are conditional applications, not verified provider pricing or settlement outcome.	Example A: S009/S010/S011/S016/S019. Example B: S030 §423(d),(f), S039 §432(f), S060 §310.4(a)(5). Example C: S026 §419(d), S029 §422, S033 §426, S060 §310.4(a)(5)(ii).	Inputs explicitly assumed; printed-territorial-dollar and creditor-consent holds preserved. P/F/I
J_VI-P01-C047	Square VI debt-management provider appellate decision, specific effective adjustment rule, current roster and Chapter 7-specific criminal penalty were not located by bounded investigation.	S003 public regulator page; S007 §§401–441; S039–S042; S005/S006 official court discovery; bounded-domain queries recorded in A2.	Negative search outcome only, not law establishing nonexistence. U
J_VI-P01-C048	Chapter 7 customer-service §416 details and independent money-transmission §511 operative terms were not established because specific pages failed retrieval.	S023 §416 failed; S057 Chapter 22 index; S076 §511 failed.	No invented toll-free staffing, secondary license or exception. U

C. Granular coverage and disposition table

Status meanings: answered means the question is answered from the specifically identified accessed text, subject to the global territorial currentness hold. partial means an important rule is established but implementation, scope or validation remains open. unresolved means insufficient governing evidence. excluded_with_reason means outside this focused provider pass; no contrary legal conclusion is implied.

C1. Territorial authority and applicability

Item / material subissue	Status	Findings / exact claim IDs	Missing evidence	Next focused action
1.1 Territory, legislature and code authority	partial	§1; J_VI-P01-C001	Authenticated current Chapter 7 and Act 7145 original	Reconcile enacted Act, subsequent session laws and official code
1.2 Responsible debt-provider regulator	answered	§1; J_VI-P01-C002	None for institutional identification	Validate actual program office/forms separately
1.3 DLCA versus Lieutenant Governor functions	answered	§§1, 3, 6; J_VI-P01-C002, J_VI-P01-C043	Administrative coordination detail	Review any implementing memoranda only if found
1.4 Court hierarchy and appellate authority	answered	§1; J_VI-P01-C003	Provider-specific judicial holding	Separate official opinion search by issue
1.5 Enacted/current/historical/proposed versions	partial	§1 and register A; J_VI-P01-C001, J_VI-P01-C020	Original effective clause, amendments through access date	Act/session-law comparison and official consolidation
1.6 Regulations and dollar-adjustment status	unresolved	§§3–4; J_VI-P01-C019, J_VI-P01-C047	CPI base year, rules, July 1 effective notices	Read promulgated Title 3 Chapter 35 instruments and agency notices
1.7 Territorial residence/cross-border gateway	answered	§§1–2; J_VI-P01-C004, J_VI-P01-C012	Particular service's actual knowledge facts	Apply resident-at-undertaking test to documented hypothetical only
1.8 FTC Act territory-commerce gateway	answered	§1; J_VI-P01-C005	Provider/entity-specific FTC coverage	Separate covered-actor analysis
1.9 TSR territory/telephone gateway	answered	§§1, 4; J_VI-P01-C005, J_VI-P01-C033	Actual interstate-call campaign facts	Apply §310.2 and §310.6 transaction matrix
1.10 CROA geographical/activity gateway	partial	§§1, 4; J_VI-P01-C006, J_VI-P01-C035	Territorial state-enforcement construction/case law	Target CROA statutory jurisdiction and opinions only if needed
1.11 Federal bankruptcy jurisdiction gateway	answered	§1; J_VI-P01-C003, J_VI-P01-C042	Nothing further needed for this gateway	Retain complete borrower bankruptcy analysis for separate pass
1.12 Territorial/federal/private enforcement separation	answered	§§1, 6; J_VI-P01-C038, J_VI-P01-C040, J_VI-P01-C044	Application to particular events	Keep distinct remedy paths in content schema

C2. Provider classification

Item / material subissue	Status	Findings / exact claim IDs	Missing evidence	Next focused action
2.1 Statutory provider, concessions and intermediary definitions	answered	§2; J_VI-P01-C007	None in reproduced definition	Verify enacted wording against official code
2.2 Debt settlement/negotiation/reduction of principal	answered	§2; J_VI-P01-C007, J_VI-P01-C011	Transaction-specific activities	Test actual intermediary conduct
2.3 DMP and creditor concessions/periodic payments	answered	§§2, 4–5; J_VI-P01-C007, J_VI-P01-C021, J_VI-P01-C030	Creditor participation evidence for any real plan	Keep DMP track distinct
2.4 Pure credit counseling/education	partial	§2; J_VI-P01-C007, J_VI-P01-C008	Other independent professional rules; §416 body	Bound actual activity, then inspect any dedicated rule
2.5 Credit-repair organization vs debt negotiator	partial	§§2, 4; J_VI-P01-C006, J_VI-P01-C035, J_VI-P01-C036	Dedicated VI credit-services enactment if any	Target official Title 12A/27 and promulgated regulations
2.6 Existing creditor collecting/restructuring own debt	answered for classification distinction	§2; J_VI-P01-C011	Collector/creditor conduct law deferred	Do not treat existing-creditor conduct as provider intermediation
2.7 Actual lender consolidation/refinancing	partial	§2; J_VI-P01-C011, J_VI-P01-C043	Applicable lending license/product law	Separate lender-product pass if relevant
2.8 Natural-person versus entity borrower	answered for textual distinction	§2; J_VI-P01-C010	Mixed-capacity borrower authority	Maintain entity/person classification
2.9 Personal versus commercial-purpose debts	partial	§2; J_VI-P01-C010	Controlling interpretation of business-purpose individual cases	Locate official decision or legislative construction
2.10 Secured versus unsecured debts	partial	§§2, 4; J_VI-P01-C010, J_VI-P01-C033	Secured-plan interactions; federal collector definition branches	Do not transfer TSR's unsecured scope to VI law
2.11 Internet/offshore/nonresident provider	answered	§§2–3, Example A; J_VI-P01-C004, J_VI-P01-C012	Actual facts of undertaking/residence	Apply statute before geography assumptions
2.12 Dedicated additional VI “debt adjustment”/“credit-services” license	unresolved / NOT LOCATED	§§2–3; J_VI-P01-C043, J_VI-P01-C048	Official regulatory text and additional enacted provisions	Repeat narrowly in authenticated code/regulation repository, not other states
2.13 Adjacent money transmission	unresolved	§5; J_VI-P01-C043, J_VI-P01-C048	§511 operative text, transmission definitions and actual fund arrangement	Independent Title 9 Chapter 22 applicability pass

C3. Registration, financial assurance and exemptions

Item / material subissue	Status	Findings / exact claim IDs	Missing evidence	Next focused action
3.1 Registration requirement and regulator	answered	§3; J_VI-P01-C012	No entity-specific status authorized	Retain law/roster distinction
3.2 Public provider-registration lookup	partial	§3; J_VI-P01-C013	Actual accessible roster URL, frequency and completeness	Read official lookup documentation only
3.3 Registration filing form and fee	partial	§3; J_VI-P01-C014, J_VI-P01-C019	Current agency form and filing fee schedule	Obtain public agency rule/form text
3.4 Nonresident, no-storefront, branch/site reporting	partial	§3; J_VI-P01-C014	Additional branch fee/rule if promulgated	Confirm whether additional rule creates site charge
3.5 Initial background, audits and personnel data	answered	§3; J_VI-P01-C014	Applicant facts outside authorization	Preserve specific document predicates
3.6 Surety amount, benefit, duration and claims	partial	§3; J_VI-P01-C018, J_VI-P01-C019	Adjusted amount and agency discretion in operation	Review public adjustment/bond directive
3.7 Substitute security	answered	§3; J_VI-P01-C018	None for textual categories	Keep regulator approval conditions
3.8 Fidelity insurance, deductible, net worth	partial	§3; J_VI-P01-C018	Adjusted minimum and any supplementary net-worth rule	Verify official amendments/regulations; no net-worth threshold invented
3.9 Annual renewal and account-reporting measures	answered for statute	§3; J_VI-P01-C017, J_VI-P01-C018	Current renewal forms/administrative fee	Verify published rule/forms
3.10 Decisions, denial, hearings and appeal	partial	§3; J_VI-P01-C016	Original Act's “Commission” discrepancy, current procedures	Check Act No. 7145 and promulgated procedural rules
3.11 Amendments, application confidentiality, examinations	answered for statutory text	§§3, 6; J_VI-P01-C015, J_VI-P01-C038	Confidential administrative practice	Separate records/review from public lookup
3.12 Attorney/CPA/financial planner exceptions	partial	§2; J_VI-P01-C008	Qualifying planner rule and real professional relationship	Inspect adopted planner-recognition rule if any
3.13 Bank, affiliate, judicial and incidental billpay exceptions	answered	§2; J_VI-P01-C008	Actual regulated-activity evidence	Test entity/ordinary-course conditions
3.14 Nonprofit and independent board	answered for textual predicate	§3, Example A; J_VI-P01-C009, J_VI-P01-C016	Entity-specific independence not in scope	Avoid nonprofit exemption shorthand
3.15 Other-state license and accreditation	answered	§3; J_VI-P01-C017	None for rule distinction	Apply application-substitution conditions only
3.16 Suspension, revocation and emergency process	answered for statutory text	§6; J_VI-P01-C039	Rule/procedure amendments	Verify before consumer-facing legal deadlines

C4. Services and fees

Item / material subissue	Status	Findings / exact claim IDs	Missing evidence	Next focused action
4.1 Whether settlement and DMP are permitted subject to regulation	answered for statutory framework	§§2–4; J_VI-P01-C007, J_VI-P01-C030	Effective amendments and actual registration	Do not advertise as blanket permission
4.2 Pre-charge signed-agreement requirement	answered	§4; J_VI-P01-C030	Actual contract compliance	Check both territorial and federal tracks
4.3 DMP setup/monthly fee formulas	partial	§4; J_VI-P01-C030	Current adjusted dollar limits	Verify rule/notices
4.4 Settlement setup/monthly fee formulas	partial	§4, Example B; J_VI-P01-C030, J_VI-P01-C046	Current adjusted dollar limits and ledger facts	Review CPI rule plus fee history
4.5 Per-debt settlement compensation/crediting	answered for formula	§4, Example B; J_VI-P01-C031, J_VI-P01-C046	Controlling allocation decision if dispute	Keep per-debt ledgers and verify final satisfaction
4.6 Standalone education and conversion refund	partial	§4; J_VI-P01-C032	Regulator-authorized larger charge/current amount	Inspect published approval/rule
4.7 Dishonor/default/cancellation/termination charges	partial	§§4–5; J_VI-P01-C024, J_VI-P01-C026, J_VI-P01-C032	Other-law dishonor fee and current adjustment	Separate unauthorized penalty from lawful earned fee
4.8 Donations, creditor fair-share and referral money	answered for textual rules	§4; J_VI-P01-C029, J_VI-P01-C032	Actual creditor payment/disclosure history	Assess money flows individually
4.9 Statutory fee versus filing fee versus security premium	answered for distinction	§§3–4; J_VI-P01-C018, J_VI-P01-C019, J_VI-P01-C030	Agency filing fee amount	Never combine fee categories
4.10 TSR debt-relief definitions and exemptions	answered	§4; J_VI-P01-C005, J_VI-P01-C033	Actual telemarketing facts	Apply phone/advertising/business exceptions
4.11 TSR advance-fee and dedicated-account conditions	answered	§§4–5; J_VI-P01-C034	Customer/creditor contract facts	Check executed agreement, first payment and allocation
4.12 TSR credit-improvement provision	answered conditionally	§4; J_VI-P01-C035	Actual claim and completed credit-improvement proof	Apply only if represented services qualify
4.13 CROA credit-repair services and exceptions	answered conditionally	§§2, 4; J_VI-P01-C006, J_VI-P01-C035	Specific service/advertised result	Test definition before imposing fees
4.14 CROA contract, fees and cancellation	answered	§4; J_VI-P01-C035, J_VI-P01-C036	Calendar/contract and any changed federal law after 2024	Verify current federal text before publication
4.15 Current actionable VI dollar caps	unresolved	§4; J_VI-P01-C019	Base year, CPI action, official adjustments	Publication hold until confirmed

C5. Contract, cancellation and funds

Item / material subissue	Status	Findings / exact claim IDs	Missing evidence	Next focused action
5.1 Financial analysis and suitability	answered	§5; J_VI-P01-C021	Particular analysis not in scope	Make generic checklist, not personal eligibility result
5.2 Agreement, disclosure, schedules and copy	answered for text	§5; J_VI-P01-C022	Enacted cross-reference correction	Verify the original model-number remnants
5.3 Creditor consent and nonparticipation	answered	§5; J_VI-P01-C021, J_VI-P01-C023	Actual creditor acceptance	No guaranteed concession or binding creditor
5.4 Over-50%-principal settlement authorization	answered	§5; J_VI-P01-C023	Actual post-offer assent	Preserve temporal consent sequence
5.5 Creditor rejection notification	answered	§5; J_VI-P01-C023	Knowledge date for a real event	No calendar computation
5.6 Translation and E-SIGN	partial	§5; J_VI-P01-C025	Implementing rule and scope for nonconsumer individual	Confirm primary/other-language communications
5.7 Ordinary three-business-day cancellation	answered	§5; J_VI-P01-C024	Trigger, method and holiday calendar	Apply only to assumed dates with counting authority
5.8 Defective agreement 30-day window	answered	§5; J_VI-P01-C024	Specific statutory defect	Link form and §419/428 compliance
5.9 Emergency cancellation waiver	answered	§5; J_VI-P01-C024	Actual genuine emergency and customer's own statement	No standard-form bypass
5.10 Later termination and POA cessation	answered	§5, Example C; J_VI-P01-C026	Real deposits/fee ledger	Reconcile permitted earnings and returned funds
5.11 Provider termination/default after 60 days	answered	§5; J_VI-P01-C026	Actual missed contractual payment sequence	No personal deadline without calendar
5.12 Trust segregation, insured bank and account location	partial	§5; J_VI-P01-C027	Any agency-prescribed bank location/eligibility	Check rule, not assume VI physical situs
5.13 Provider ledger, reconciliation and disbursement	answered	§5; J_VI-P01-C027, J_VI-P01-C028	Actual bank/account activity outside scope	Use statement and funds-flow checklist
5.14 Insolvency and unspent ownership	answered for statutory protection	§5; J_VI-P01-C027	Priority/recovery in an actual insolvency	No guaranteed fund recovery
5.15 Separate TSR dedicated account	answered conditionally	§5; J_VI-P01-C034	Whether account meets all conditions	Independently test administrator and ownership
5.16 Monthly reports and five-business-day requests	answered	§5; J_VI-P01-C028	Actual request history	Preserve once-per-calendar-month condition
5.17 Customer-service facility/staffing	unresolved	Register A1; J_VI-P01-C048	§416 operative body inaccessible	Read authenticated §416 before publishing details
5.18 Agreement duration, failed plan and creditor promises	partial	§§5–6; J_VI-P01-C021, J_VI-P01-C022, J_VI-P01-C026	Case-specific duration/participation terms	Do not promise settlement or fix a universal duration

C6. Consequences, remedies and process

Item / material subissue	Status	Findings / exact claim IDs	Missing evidence	Next focused action
6.1 Administrative examinations and complaints	answered	§6; J_VI-P01-C038	Current regulator procedural materials	Read public complaint guidance, no filing
6.2 Cease/correct/restitution and regulator litigation	answered	§6; J_VI-P01-C038	No case-specific order in scope	Separate agency relief from private award
6.3 Administrative civil penalties	partial	§6; J_VI-P01-C038, J_VI-P01-C019	Adjusted 2026 figures	Confirm official CPI notices
6.4 Registration sanctions and emergency process	answered for statute	§6; J_VI-P01-C039	Implementing procedures	Read rules before deadline guidance
6.5 Express Chapter 7 voidability/remedies	answered for statutory remedies	§6; J_VI-P01-C037, J_VI-P01-C040	Actual predicates, defense, litigation	Preserve separate causes and exclusions
6.6 Treble damages/minimum/punitive/fees	partial	§6; J_VI-P01-C040	Current adjusted minimum, controlling interpretation	Do not show guaranteed awards
6.7 Criminal sanctions squarely in Chapter 7	unresolved / NOT LOCATED	§6; J_VI-P01-C047	Broader criminal statutes/enforcement charging instruments	Narrow separate criminal-source pass if warranted
6.8 Chapter 6 consumer fraud/private crossover	partial	§6; J_VI-P01-C041, J_VI-P01-C042	Scope-specific precedent	Keep §436 single-recovery rule
6.9 CROA federal remedies and enforcement	answered conditionally	§6; J_VI-P01-C044	Covered actor/territorial state-enforcer question	Separate federal jurisdiction from territorial private case
6.10 Chapter 7 action periods	answered for text	§6; J_VI-P01-C041	Actual trigger chronology	No exact claimant filing date
6.11 Provider enforcement opinions/orders	unresolved / NOT LOCATED	§6 and A2 search; J_VI-P01-C047	Unindexed holdings, official archives, administrative decisions	Focused public-opinion and published-order search
6.12 Agency public complaint resources	answered	§6; J_VI-P01-C045	Dedicated Chapter 7 intake form not located	Public instructions only; no actual complaint
6.13 Legal assistance/referral resources	partial	§6; J_VI-P01-C045	Current territorial legal-aid eligibility and service list	Inspect official public legal-aid listings
6.14 Read-only consumer document checklist	answered as informational output	§6; J_VI-P01-C045	No actual consumer facts authorized	Retain documentation checklist only
6.15 Hypothetical classification and exemption	answered conditional	Example A; J_VI-P01-C046	No real company facts	Retain all predicates in content
6.16 Hypothetical numeric fee analysis	answered as printed-text example; live amount unresolved	Example B; J_VI-P01-C030, J_VI-P01-C031, J_VI-P01-C034, J_VI-P01-C046	Adjusted caps/real ledger	Do not publish as 2026 limit
6.17 Hypothetical funds and termination	answered conditional	Example C; J_VI-P01-C026, J_VI-P01-C027, J_VI-P01-C046	Real payment/settlement facts	Preserve provider-versus-creditor distinction

C7. Explicitly deferred parent dimensions

Other A066 territorial dimension	Status	Boundary and claim cross-reference	Missing evidence / next assignment
Collection conduct, validation and credit reporting	`excluded_with_reason`	Only necessary provider/creditor distinction in J_VI-P01-C011; no collector-conduct findings accepted.	Separate territorial collector-conduct, federal validation and reporting pass.
General debt limitations and revival	`excluded_with_reason`	J_VI-P01-C041 covers provider-action limits only.	Separate contract/debt limitation, accrual, payment/revival and choice-of-law pass.
Litigation, service, default and judgments	`excluded_with_reason`	Provider litigation remedies only under J_VI-P01-C037–C040.	Separate debt-lawsuit procedure/default/judgment pass.
Garnishment, bank and property exemptions	`excluded_with_reason`	Provider trust ownership under J_VI-P01-C027 does not decide creditor execution.	Separate wage, bank and property-enforcement pass.
Secured, medical, rent, utilities and taxes	`excluded_with_reason`	J_VI-P01-C010 flags classification limits only.	Separate obligations/product-specific priority and remedy passes.
Broader vulnerable-consumer and specialized remedies	`excluded_with_reason`	Only narrow Chapter 6 adjacency under J_VI-P01-C042.	Separate protected-population, unfair practices and specialized remedy pass.

D. Researcher self-check and publication holds

Evidence checks performed

Jurisdiction check: U.S. Virgin Islands, not British Virgin Islands. The gov.vg repository was excluded.
Dedicated-statute search: Resolved positively to Title 12A, Chapter 7; no generic “unregulated” conclusion.
Text versus authority check: Most detailed territorial conclusions rest on enacted statutory words reproduced by an unofficial publisher. This material limitation applies even to rows marked answered.
Exception check: Read §§402–403, 409, 412, 423–424, 428 and TSR §310.6 rather than relying on an unqualified registration/fee slogan.
Federal overlap check: Separated FTC Act commerce, TSR telephone/unsecured-service predicates and CROA paid credit-repair purpose/exclusions.
Math check: Example B: $10,000 − $6,000 = $4,000; 30% × $4,000 = $1,200; $1,200 − $400 − $20 = $780. Example C: $1,200 − $350 = $850; 65% × $200 = $130. No inflation adjustment was fabricated.
Money-ownership check: Provider-held §422 trust and independent TSR customer-owned dedicated account were evaluated as different arrangements.
Remedy check: Administrative regulator action, express Chapter 7 private relief, Chapter 6 overlap and CROA remedies kept separate. No implied debt cancellation, private remedy or guaranteed award asserted.
Negative-source check: Inaccessible rules, registration rosters, sections and opinions remain NOT LOCATED/UNRESOLVED, not nonexistent.
Page-integrity check: GPO PDF text layers were read; PDF pixel images were not reviewed. All HTML entries explicitly have no PDF page index.
Scope check: The six other A066 territory dimensions remain queued; this pass did not launch them.

Exact unresolved questions, ranked by publication importance

Priority	Unresolved question	Why it matters / precise next evidence
P0	Does authenticated current VI Title 12A Ch.7 match the reproduced 2025 text, including §§405, 410, 419 and 423–435?	Textual/legal currentness gate; obtain current official Lexis/authorized code or enacted session laws and amendments.
P0	What is the actual effective date of Act No. 7145 and how does §440 apply to pre-effective agreements?	Distinguishes date signed, law published and law in force. Read original Act's effective clause.
P0	Did the Lieutenant Governor promulgate §432(f) CPI base-year/adjustment regulations and subsequent July 1 schedules? What are the operative 2026 bond, insurance, fee, penalty and statutory-damage amounts?	Prevents false caps and remedy values. Need official promulgated rule and actual public adjustment notices, not computed estimates.
P0	Is there a Chapter 7 registration application, prescribed fee schedule and public provider-name list currently maintained by DBIFR?	Required for accurate licensing workflow and status verification; examine public instructions only, not entities.
P1	Are the reproduced §405(b)(5) process-agent lettering and §410(b)(1) “Commission” language transcription errors, enacted errors or later cured?	Procedural correctness; compare original Act and authoritative codification.
P1	Are §419 references to “Section 27(a)” and “Section 20” enacted numbering artifacts, and what is their binding construction?	Required consumer agreement and notice wording; compare Act No. 7145/session-law original.
P1	Which actual Chapter 7 and related Title 3 Chapter 35 rules implement counselor certification, planner recognition, language variation, fee approval, trust bank and record duties?	Material exception/operational duties; published regulatory instrument needed.
P1	Is a particular fund-handling arrangement independently money transmission under Title 9, Chapter 22, and what are its exclusions?	§511 body failed; no second-license conclusion supported. Separate activity analysis.
P1	Is there an independently applicable VI credit-repair/credit-services law outside Chapter 7, and which activities trigger it?	Separate credit-improvement business classification; no law by analogy or third-party marketing summary.
P1	Are there controlling Virgin Islands Supreme Court, District Court/Third Circuit or published agency decisions specifically interpreting §§402, 403, 423, 425 or 435?	Can change scope and remedies; bounded indexed search was negative, archives may differ.
P2	What are the complete operative §416 customer-service staffing/system requirements?	Direct section retrieval failed; cannot publish specific call-center promises.
P2	For mixed business/personal and secured obligations of natural persons, is there controlling VI statutory construction not obvious from §402's text?	Boundary between §402 wording and specialized product regulation.
P2	What current public legal-aid resources and complaint intake channels are explicitly designated for Chapter 7 claims?	Public-process accuracy; general agency sites are not a verified specialist referral.
P2	What post-2024 amendments, if any, change the relied-on federal CROA Code provisions?	Official GPO source is 2024 edition; a newer federal statute compilation should be checked before definitive 2026 guidance.

Publication restrictions for SettleADebt

Until the P0 holds are resolved, a public VI jurisdiction page should not claim:

an unqualified current dollar fee cap, surety amount, insurance minimum, civil-penalty maximum or minimum statutory damages;
that a specific provider is licensed, unlicensed, exempt, accredited or presently permitted to solicit VI residents;
that a different state's license, nonprofit status or lawyer participation supplies an automatic exemption;
that all debt-relief firms everywhere must wait for settlement before taking fees, without testing TSR coverage and other governing rules;
that a provider contract binds creditors, guarantees acceptance, eliminates debt or protects against lawsuits;
a specific customer's final cancellation, refund or filing date without actual event and counting facts;
that an unlocated rule, license or court decision does not exist.

A conditional educational explanation of the reproduced statute, with those limitations and verified federal distinctions, is supportable. A regulatory compliance checklist authorizing business operations, a live fee calculator or a definitive consumer-remedy page is not yet publication-ready.

Disposition: Focused research report supplied, with all source, claim and granular coverage registers visible. This is a researcher self-check only. It is not independent legal verification and not acceptance of J_VI PASS-01, the complete USVI dossier, A066 or any operational/publication decision. The coordinator must separately validate the consequential territorial text, 2026 rules, arithmetic and coverage.

END J_VI PASS-01

Every captured table

Captured cells with original header handling and explicitly labeled bounded correction overlays. Downloaded JSON retains original cells. Tables may contain source limitations, historical examples and identified corrections; the complete reading supplies context.

How to read the research →

3 pending corrections

This dated research component contains identified issues. Read the correction panel before relying on its affected passages or tables. Other findings retain their own evidence limits.

Captured table 01

Original headerless table; first data row retained · 10 data rows

Authority	Function relevant to PASS-01	Boundary
Legislature of the Virgin Islands; Virgin Islands Code and session laws	Creates territorial provider duties and remedies. Title 12A, Chapter 7 is the principal law.	Enactment and later amendments control over any unofficial consolidation. Act publication year is not its effective date.
Lieutenant Governor, through the Division of Banking, Insurance and Financial Regulation (DBIFR)	Provider registration, examinations, rulemaking, adjustments, investigations, penalties, restitution and registration suspension/revocation.	The agency expressly lists debt-management providers among its regulated categories. A public registration list is statutorily required, but a verified dedicated online lookup was not located. United States Virgin Islands law.justia.com
Department of Licensing and Consumer Affairs (DLCA)	Separate general business-licensing and consumer-fraud functions. Title 12A, Chapter 7 registration applications reference compliance with Title 27, Chapter 9.	A DLCA business license is not proof of Chapter 7 registration. The DLCA's general search does not establish that a provider appears on the Lieutenant Governor's required list. law.justia.com law.justia.com dlca.vi.gov
Attorney General / territorial Department of Justice	Potential referral and territorial enforcement.	A Lieutenant Governor referral under §432(a) is distinct from an individual's express private action under §435.
Superior Court of the Virgin Islands	Territorial trial-court proceedings and specified registration-denial review.	A regulatory violation does not automatically erase an underlying creditor obligation.
Supreme Court of the Virgin Islands	Highest territorial appellate court; controlling territorial-law appellate authority.	The court assumed appellate jurisdiction in 2007. Federal courts have separate subject-matter jurisdiction. supreme.vicourts.org
District Court of the Virgin Islands and federal appellate structure	Federal claims within federal jurisdiction; federal bankruptcy proceedings through the District Court's Bankruptcy Division.	Bankruptcy availability is a jurisdictional alternative here, not a substitute for provider classification and not a finding about any borrower's eligibility. vid.uscourts.gov
FTC and federal courts	FTC Act and, where independently applicable, Telemarketing Sales Rule (TSR) enforcement.	“U.S. territory” does not make every provider transaction a covered telemarketing transaction.
Federal Credit Repair Organizations Act (CROA)	Separate federal rules for an entity offering credit-history improvement for consideration, where its statutory predicates are met.	Ordinary settlement negotiation alone does not establish that the provider is a CROA credit-repair organization.

Captured table 02

Original headerless table; first data row retained · 18 data rows

Activity / fact pattern	Territorial Chapter 7 result	Other law / unresolved edge
Paid debt-settlement negotiator seeks less than principal from creditors of a VI-resident individual	Covered, absent §403 exclusion; registration analysis required.	TSR additionally tested if qualifying telephone campaign and unsecured debts.
DMP operator negotiates reduced interest/late fees and distributes payments	Covered where acting as creditor-concession intermediary.	§§417–428 contain a distinct DMP fee, plan and trust-money track.
Paid “debt adjustment” or “debt negotiation” service	Name is not decisive. Covered if the functional §402(8) test is met.	No separate license is created merely by the marketing label.
General financial education or budgeting without creditor intermediation	Not established as debt-management services under §402(8).	Deceptive marketing, other professional/business rules may still apply; pure counseling classification should not be presumed from a label.
Credit-repair business promising to improve credit history but not negotiating debts	Chapter 7 coverage not established solely by credit-repair activity.	Test CROA and the TSR's distinct credit-repair provision if otherwise covered. Separate dedicated VI credit-repair registration law: NOT LOCATED in bounded examination; this is not a finding that none exists.
Creditor collecting, restructuring, or settling its own receivable	Merely being a creditor is not the intermediary role.	Creditor/collector conduct is a separately queued dimension. CROA expressly excludes a creditor to the extent it helps restructure debt owed to itself.
Actual lender provides a consolidation/refinance loan	Lending is not transformed into debt-management intermediation merely because proceeds pay old creditors.	Loan licensing and credit disclosures require their own product/activity analysis; no license by analogy.
Company advertises “consolidation,” but actually charges to negotiate old creditors' terms	Potential Chapter 7 provider based on conduct.	An actual loan and an intermediary service must be separated in the agreement and fund flows.
Individual owes a business-purpose debt	Chapter 7 potentially applies, because §402(8) does not expressly restrict purpose, if the debtor is an individual and the other predicates hold.	Do not import the personal/household limitation from a different VI statute or CROA.
LLC or corporation is the debtor	A business entity is not the statutory “individual” served under §402(8).	Other law remains possible; no universal deregulation inference.
Secured debt of a natural person	Chapter 7 does not expressly exclude it.	TSR “debt relief service” definition refers to unsecured creditors or debt collectors; collateral and creditor consequences deferred.
Fully online/off-island provider knowingly signs up a VI resident	Potentially covered regardless of local storefront.	§406 expressly contemplates applicants with no VI service location.
Unpaid service, including compensation neither from/on behalf of the individual nor from creditors	§403(b)(2) exclusion may apply.	Genuine absence of all specified compensation must be established.
Creditor-funded nonprofit counseling/settlement intermediary	Not exempt simply because nonprofit; creditor payments defeat the no-compensation premise.	See specific nonprofit governance rules below.
Attorney or accountant assisting with creditors	Genuine attorney-client legal services by a VI-authorized attorney, or accountant-client accounting services by a VI-licensed CPA, are outside §402(8)'s service definition.	Using a lawyer/CPA as a nominal affiliate does not automatically exclude a separate provider's commercial debt-settlement business.
Financial planner	Exception only for actual planner-client financial-planning services and the profession recognized by Lieutenant Governor rule with licensing, discipline, ethics and continuing education predicates.	No qualifying territorial implementing rule verified.
Bank; regulated bank affiliate; judicially directed person; specified incidental bill-paying service	Specific §403(c) exclusions in the ordinary course, as worded.	An unrelated service or unregulated affiliate cannot assume exemption.

Captured table 03

Original headerless table; first data row retained · 15 data rows

Regulatory issue	Read statutory answer	Limitation
Mandatory provider registration	§404(a): obtain VI registration before servicing an individual whom the provider reasonably should know resides in VI when services are agreed. Registered provider's employee/agent not separately registered merely for that role.	§403 exclusions, Chapter 7 effective/grandfather provisions and actual service classification control.
Authority and register	Lieutenant Governor. §404(c) requires a public list of registered-provider names.	Dedicated accessible list and its freshness unverified; no entity was searched.
Initial materials	Prescribed form/fee, surety or permitted security, trust-account identifiers and examination consent, misconduct insurance, Title 27 Chapter 9 proof, jurisdiction/process-service documentation, extensive personnel, audits, accreditation/counselor evidence, client forms and fees.	Exact current application and official fee schedule not obtained.
Nonresident / remote application	§406 asks for local locations or a statement that none exists; websites and electronic addresses are disclosed.	Registration still required if §404 applies.
License held in another state	§412 permits substitution of sufficiently equivalent prior application/license materials with additional VI information and current certification.	Application shortcut only; not reciprocal permission to operate before VI registration.
Initial misconduct insurance	Printed §405(b)(4) amount $250,000, qualifying insurer and coverage; deductible printed maximum $5,000; cancellation-notice protection.	Amount subject to §432(f) adjustments; live insurance/regulator rules not verified.
Renewal misconduct insurance	§411(b)(5): greater of printed $250,000 or highest daily customer trust balance in previous six months.	Actual adjusted minimum unknown.
Surety bond	§413 printed default $50,000, with individual regulator adjustment permitted; remains effective for two years after the provider ceases serving VI individuals. Approved alternative security under §414.	Neither bond face amount nor insurance premium is a consumer fee.
Renewal	Annual registration; renewal application in the period 30–60 days before expiration; audit, fee, coverage and activity figures; timely complete renewals have procedural continuation protections.	No actual certificate expiry or calendar is assumed.
Agency determination	§410 sets initial decision period of 120 days, possible additional 60 on stated grounds, notice/review procedures.	This is an agency obligation, not an automatic license-by-silence rule. An apparent word “Commission” in the reproduced text requires checking the enacted Act.
Nonprofit governance	§409(d) mandates denial if the nonprofit/tax-exempt applicant lacks an independent board as defined there.	Nonprofit status creates a governance predicate, not blanket exemption.
Employees, professional status, accreditation	Registered-provider employees/agents get §404(b)'s narrow treatment; certification, accreditation and professional exceptions have their own predicates.	Accreditation is not registration; an attorney's separate statutory professional role must be real.
Records and exams	Application statements, public/confidential information categories, specified updates, financial audits, insurer/bond controls and regulator examination powers apply.	Exact extra rules, reporting forms and schedule not obtained.
Suspension / revocation	§434 allows action for listed material violations, insolvency and failures of examination; emergency trust-related action and judicial steps have specific conditions.	No penalty or seizure should be assumed without the required process.

Captured table 04

Original headerless table; first data row retained · 9 data rows

Charge or calculation	Title 12A, §423, as reproduced in 2025	Governing qualification
General prerequisite	No provider charge/payment except what §423 permits; valid signed agreement complying with §§419 and 428 before charges.	A signed contract is not enough to satisfy an independently applicable TSR timing prohibition.
Education/counseling without an agreement	Printed maximum $100, unless Lieutenant Governor approves more for actual nature/extent of services.	If a qualifying agreement follows within 90 days after those services end, §423(e) requires refund of that educational fee.
DMP involving reduced interest, late fees or finance charges	Printed startup ≤$50; monthly ≤min($10 × participating remaining creditors, $50).	No simultaneous collection under DMP and settlement startup/monthly tracks.
Settlement for less than principal	Printed setup ≤min($400, 4% × plan debt at inception); monthly ≤min($10 × remaining creditors, $50).	Subject to §419(d)'s refund provisions and federally applicable timing.
Additional settlement-service compensation	Per-debt ceiling: 30% × (principal when agreed − amount paid to creditor) − specified setup/monthly fees not previously credited against an earlier settlement fee.	§423(f)'s per-debt allocation and credit history must be documented; no negative additional fee is assumed.
Dishonored payment	Reasonable charge, printed ≤min($25, other applicable law's allowance).	Not a general “late charge” authorization.
Voluntary contributions	§424 bars solicitation from the individual or affiliate; limited acceptance, with aggregate collections restricted to otherwise authorized fees until 30 days after plan end.	Voluntary labels do not turn compensation into an exemption.
Creditor “fair share,” lender referral money	Actual source and recipient matter. Chapter 7 requires creditor-compensation disclosure and restricts provider referral compensation, with a narrow government-sponsored counseling exception.	No invented universal dollar or percentage cap on every creditor contribution.

Captured table 05

Original headerless table; first data row retained · 14 data rows

Issue	Rule in the accessed territorial text	Qualification or limit
Form and copy	§419(a): retainable record, dated signatures of individual and provider, party details, services, itemized fees, payment schedules and immediate delivery of agreement.	§419(b) permits retrievable/saveable/printable electronic delivery with notice.
Creditor details	For regular creditor payments, identify expected participants, each obligation and planned disbursement; identify creditors expected not to participate.	Forecast participation is not an actual creditor concession.
Assent to larger settlement	Under §§419(e), 428(a)(2)–(3), a power of attorney cannot authorize settlement above 50% of debt principal; a creditor-approved settlement above 50% requires the individual's later assent.	A provider has no power to force a creditor to accept even a 50% offer.
Creditor rejection/withdrawal	Agreement must provide notice to the individual within five days after provider learns of a creditor's final rejection or withdrawal, identifying the creditor and the right to modify or terminate.	No universal deadline obliging a creditor to respond was established.
Choice of law/forum	§419(f) restricts choice-of-law, forum and remedial waivers.	The reproduced §419 contains apparent model-act section-reference remnants (“Section 27(a)” and “Section 20”); controlling Act comparison remains a hold.
Language	§421: English unless agency rule changes it; translated mandatory documents if provider communicates primarily in another language.	Actual implementing rules unverified.
Electronic disclosure	§418 applies federal E-SIGN consumer-consent predicates to specified sections; web disclosure presentation and paper-copy rights are detailed.	§418 specifically defines consumer for its purpose as primarily personal/family/household; cannot assume identical electronic route for a business-purpose individual.
Ordinary cancellation	§420(a): written/record notice by midnight on the third business day after assent; mailing effective when mailed.	A defective agreement under listed provisions permits the stated 30-day cancellation period instead.
Emergency waiver	§420(c): narrow actual financial emergency requiring early creditor disbursement; customer's own signed, dated explanation and explicit waiver.	Standard-form waiver is void.
Later individual termination	§419(d): individual may terminate at any time by written/electronic notice, without penalty; unused customer money is refunded, specified settlement setup fee portion refunded, powers of attorney revoked.	Already-authorized and earned charges require independent verification; creditor's remaining claim is unaffected.
Provider termination	§426(a): provider may terminate after 60 days' failure to make required payments; §426(b) controls immediate customer money and qualifying setup-fee return on termination by either party.	The contract cannot create a broader unilateral forfeiture of customer reserves.
Monthly accounting	§427: monthly during plan, on termination/cancellation, and within five business days of a request, with an exception for more than one request per calendar month.	Must show receipts, creditor payments, deductions, reserves and settlement-fee calculation details.
Record retention	§427 requires provider records for five years after the last payment by the individual.	This is a provider record duty, not the limitations period for creditor claims.

Captured table 06

Original headerless table; first data row retained · 10 data rows

Question	Provider-held VI trust money — §§402(20), 422	Federal TSR qualified dedicated account — §310.4(a)(5)(ii)
Trigger	Money given to the provider for distribution to creditors under a plan.	Covered TSR debt-relief program asks consumer to accumulate funds in a dedicated account.
Institution	Insured bank under territorial definition; segregated, identified trust arrangement.	Insured financial institution.
Ownership	Money is not the provider's/designee's property and is protected from their creditors as prescribed in §422(b).	Customer owns funds and receives any accrued interest.
Administrator	Provider may operate the regulated trust under §422, with ledger and reconciliation duties.	Administrator must be independent of, and unaffiliated with, debt-relief provider; no compensated business referrals between them.
Deposits	Provider deposits customer money within two business days of receipt.	No provider-fee entitlement arises merely from depositing savings.
Ledger/operations	Separate individual records, balances summing to actual cash, at least monthly reconciliation, payments under agreed plan/creditor due dates, corrections of misdirected transfers and reimbursement for resulting creditor fees.	Dedicated-account conditions govern; territorial provider-held trust rules are not silently imported to every independent third-party account.
Withdrawal/termination	Territorial §422(h) calls for prompt return of unspent money less §423-payable fees; §426 imposes immediate return on termination.	Qualified TSR account requires return of unearned funds within seven business days after customer withdrawal request.
Theft/failure	§422(g): immediate regulator notice of suspected unlawful appropriation and further information within the prescribed period unless modified by rule.	Applicable contract/account, federal and possible separate banking rules require their own review.
Insolvency	Statutory ownership protection stated for provider-held trust money.	Verify actual account title, administrator and ownership; cannot promise recovery from any insolvency merely because marketing calls an account “escrow.”

Captured table 07

Original headerless table; first data row retained · 14 data rows

Route	Statutory powers or remedies	Conditions and limits
Lieutenant Governor investigation	§432(a)–(b): complaints, examinations within or outside VI, records and subpoenas, possible Attorney General referrals, exam expense recovery.	Individual identities in regulatory information have confidentiality limits.
Administrative correction	§433(a): desist/correct orders, restitution to aggrieved persons, civil actions, injunctions and intervention.	Printed civil penalty up to $10,000 per violation, subject to inflation rule, regulator discretion and enumerated factors.
Final-order violation	§433(b): printed civil penalty up to $20,000 per violation for specified final-order violations/knowing participation.	Not an automatic consumer damage award.
Registration sanctions	§434: suspension, revocation and nonrenewal on enumerated grounds; expedited protections for specified trust failures.	Applicable hearing and judicial procedures cannot be skipped.
Unauthorized fees	§425(a) makes the provider agreement voidable at the individual's election, with §435(b) providing a specified treble recovery in a civil action.	It is not automatic rescission of creditor contracts.
Unregistered provider	§§425(b)–(c), 435(a): individual may void provider agreement, with recovery in a civil action of paid/deposited money except amounts paid to creditors; provider loses specified contract/restitution claims against that individual.	Must establish requirement to register, absence of registration at assent and exercise of voidability.
Other material provider violations	§435(c): proven injury, including noneconomic injury; for enumerated sections, greater of injury or printed $5,000 minimum; punitive damages and fees as specified.	Class-action modification, actual violation, causation, statutory good-faith-error defense and judicial determination matter.
Cancellation-right violation	§435(e): additional expressly stated recovery of paid/deposited money excluding payments to creditors.	No automatic double restitution for the same dollars.
Consumer fraud overlap	Title 12A, Chapter 6 protects against specified deceptive consumer-service acts; §§327–328 establish DLCA enforcement, §331 addresses its private action.	§436 forbids a duplicate recovery under Chapters 6 and 7 for the same act/practice; Chapter 6's own consumer-purpose definitions and exemptions govern.
Limitation period for provider-law enforcement	§437: four years for specified Lieutenant Governor actions; private §435 action within two years after the latest of enumerated payments, accounting, discovery or agency-action events, with specified tolling.	These are provider statute limitation rules only; this pass does not research general debt limitations/revival.
Federal CROA, if independently applicable	§1679g allows a specified measure of actual damages/fees paid, court-allowed punitive damages and fees in successful actions.	Federal CROA definitions, exclusions and independent procedure control; do not transfer its remedies to a provider who is not covered.
Criminal offense	Chapter 7's expressly read remedy sections primarily specify civil/administrative action.	A Chapter 7-specific criminal penalty was not located in the bounded review; no declaration that other laws are inapplicable.
Square provider cases	No controlling appellate decision squarely deciding Chapter 7 settlement-provider applicability/fees was identified in the bounded official-court search.	NOT LOCATED, not proof that no decisions or agency orders exist.

Captured table 08

Original headerless table; first data row retained · 7 data rows

Step	Plain-text equation	Result
Printed setup maximum	min($400.00, 0.04 × $10,000.00)	$400.00
Two one-creditor monthly maxima	2 × min($10.00 × 1, $50.00)	$20.00
Actual assumed creditor reduction	$10,000.00 − $6,000.00	$4,000.00
Printed per-debt settlement percentage ceiling	0.30 × $4,000.00	$1,200.00
Illustrative additional settlement-fee ceiling	$1,200.00 − $400.00 − $20.00	$780.00
Illustrative aggregate of these provider fees	$400.00 + $20.00 + $780.00	$1,200.00

Captured table 09

Original headerless table; first data row retained · 6 data rows

Item	Calculation	Result
Individual's initial trust balance	Given	$1,200.00
Properly paid creditor	Given	−$350.00
Provider fees payable from reserve	Assumed zero	−$0.00
Remaining individual trust money	$1,200.00 − $350.00 − $0.00	$850.00
Variant: qualifying setup-fee refund	0.65 × $200.00	$130.00

Captured table 10

Original headerless table; first data row retained · 49 data rows

Source ID	Issuer, title and full literal direct URL	Exact read bounds / status
J_VI-P01-S001	VI Election System, Virgin Islands Code — https://vivote.gov/virgin-islands-code/	G, page body, code-access statement and Lexis link. Current official-access direction; not operative §401–441 text.
J_VI-P01-S002	LexisNexis, VI Code public gateway — https://advance.lexis.com/	D; gateway/discovery only, operative Title 12A content not recovered. No authoritative reconciliation performed.
J_VI-P01-S003	Office of Lieutenant Governor, DBIFR — https://ltg.gov.vi/departments/banking-insurance-and-financial-regulation/	G, regulator's financial-services responsibilities, documents/links page. No read and authenticated Chapter 7 adjustments or registration roster obtained.
J_VI-P01-S004	DLCA, department home and license-search entry — https://dlca.vi.gov/	G, public navigation/features; no entity lookup. General licensing only.
J_VI-P01-S005	VI Supreme Court, About Us — https://supreme.vicourts.org/about_us	G, institutional appellate history/jurisdiction text, §§ on establishment and appeals. Not an opinion deciding Chapter 7.
J_VI-P01-S006	District Court of VI, Bankruptcy Division — https://www.vid.uscourts.gov/bankruptcy-division-0	G, federal bankruptcy division and scope description; no individual eligibility or case search.
J_VI-P01-S007	Virgin Islands Code, Title 12A Ch.7 index — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/	T, full statutory section inventory §§401–441; index alone not operative proof.
J_VI-P01-S008	VI Legislature law, §401 Short title — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/401/	T, §401 body/history, Act short name.
J_VI-P01-S009	VI Legislature law, §402 Definitions — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/402/	T, §§402(1)–(20), especially (3), (5)–(9), (11)–(15), (17), (19)–(20).
J_VI-P01-S010	VI Legislature law, §403 Exempt agreements and persons — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/403/	T, §§403(a), (b)(1)–(2), (c)(1)–(4).
J_VI-P01-S011	VI Legislature law, §404 Registration — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/404/	T, §§404(a)–(c), resident knowledge, agent and public-list requirement.
J_VI-P01-S012	VI Legislature law, §405 Application form, fee and documents — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/405/	T, §§405(a)–(b), including (b)(1)–(6). Printed insurance/bond-related predicates; apparent drafting irregularity in (b)(5), original-law verification hold.
J_VI-P01-S013	VI Legislature law, §406 Application required information — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/406/	T, enumerated application paragraphs (1)–(19), locations, internet, audits, accreditation, personnel, programs and agreements.
J_VI-P01-S014	VI Legislature law, §407 Changes in information — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/407/	T, §407 update duty and enumerated cross-references; prescribed ten-day update in specified circumstances.
J_VI-P01-S015	VI Legislature law, §408 Public information — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/408/	T, §408 application public-inspection and confidential categories; not a retrieval of actual applications.
J_VI-P01-S016	VI Legislature law, §409 Issuance or denial — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/409/	T, §§409(a)–(d), temporary authority, fitness, nonprofit-board condition.
J_VI-P01-S017	VI Legislature law, §410 Registration timing — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/410/	T, §§410(a)–(c): agency time, hearing/review, one-year term; apparent “Commission” reference requires enacted-text check.
J_VI-P01-S018	VI Legislature law, §411 Renewal — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/411/	T, §§411(a)–(e), advance application, coverage, accounts, pendency and denial consequences.
J_VI-P01-S019	VI Legislature law, §412 Registration in another state — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/412/	T, introductory paragraph and (1)–(3); application substitution, not registration reciprocity.
J_VI-P01-S020	VI Legislature law, §413 Bond required — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/413/	T, §§413(a)–(e): face amount, adjustment discretion, continuity, claims.
J_VI-P01-S021	VI Legislature law, §414 Bond substitute — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/414/	T, §§414(a)(1)–(2), (b): approved insurance, letters of credit and obligations.
J_VI-P01-S022	VI Legislature law, §415 Good faith — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/415/	T, operative section opened; note distinct §435(f) specific litigation defense.
J_VI-P01-S023	VI Legislature law, §416 Customer service — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/416/	D, direct opening failed; third-party search index identifies heading, but actual current operative text not relied upon. Customer-service detail held.
J_VI-P01-S024	VI Legislature law, §417 Prerequisites — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/417/	T, §§417(a)–(d), complete long disclosure/plan/counselor provisions.
J_VI-P01-S025	VI Legislature law, §418 Electronic communication — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/418/	T, §§418(a)–(i), E-SIGN consent, online display, paper copies and termination procedures.
J_VI-P01-S026	VI Legislature law, §419 Agreement — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/419/	T, §§419(a)–(g), contract, creditor consent, termination, powers of attorney, forum terms. Contains apparent residual model numbering.
J_VI-P01-S027	VI Legislature law, §420 Cancellation and waiver — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/420/	T, §§420(a)–(c), both cancellation windows, form and emergency waiver.
J_VI-P01-S028	VI Legislature law, §421 Language — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/421/	T, complete §421, English/translation/possible rule modification.
J_VI-P01-S029	VI Legislature law, §422 Trust account — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/422/	T, §§422(a)–(i), beneficiary, deposits, ledgers, reconciliation, suspicious loss, relocation, refund.
J_VI-P01-S030	VI Legislature law, §423 Fees and charges — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/423/	T, §§423(a)–(g), all fee tracks, crediting and conditional dollar adjustment.
J_VI-P01-S031	VI Legislature law, §424 Voluntary contributions — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/424/	T, entire §424, no solicitation and aggregate restriction.
J_VI-P01-S032	VI Legislature law, §425 Voidable agreements — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/425/	T, §§425(a)–(c), fee and registration-related voidability.
J_VI-P01-S033	VI Legislature law, §426 Termination — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/426/	T, §§426(a)–(b), missed payments and mandatory returns.
J_VI-P01-S034	VI Legislature law, §427 Reports/record retention — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/427/	T, §§427(a)–(c), statement content, timing, five-year preservation.
J_VI-P01-S035	VI Legislature law, §428 Prohibited practices — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/428/	T, §§428(a)–(d), trust, assent, referral and other prohibited conduct; exceptions inspected with main restrictions.
J_VI-P01-S036	VI Legislature law, §429 Notice of claims — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/429/	T, §429 provider notice to regulator concerning covered litigation.
J_VI-P01-S037	VI Legislature law, §430 Advertising — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/430/	T, §§430(a)–(b), DMP and settlement-specific warning disclosures.
J_VI-P01-S038	VI Legislature law, §431 Delegation — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/431/	T, §431: provider responsibility for delegated services.
J_VI-P01-S039	VI Legislature law, §432 Lieutenant Governor powers — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/432/	T, §§432(a)–(g), complaints, exams, rules, fees, CPI triggers, rounding and public notice.
J_VI-P01-S040	VI Legislature law, §433 Administrative remedies — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/433/	T, §§433(a)–(e), penalties, enforcement and mitigating factors.
J_VI-P01-S041	VI Legislature law, §434 Suspension/revocation — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/434/	T, §434 entire operative section, ordinary/emergency sanctions and process.
J_VI-P01-S042	VI Legislature law, §435 Private enforcement — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/435/	T, §§435(a)–(g), separate remedies and defenses.
J_VI-P01-S043	VI Legislature law, §436 Chapter 6 overlap — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/436/	T, complete no-double-recovery provision.
J_VI-P01-S044	VI Legislature law, §437 Limitation periods — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/437/	T, §§437(a)–(c), provider enforcement and private-action limitation triggers only.
J_VI-P01-S045	VI Legislature law, §438 Uniformity of application — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/438/	T, complete interpretive provision; does not enact every later model-law revision.
J_VI-P01-S046	VI Legislature law, §439 Relation to E-SIGN — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/439/	T, complete §439, retained federal consumer-consent protections.
J_VI-P01-S047	VI Legislature law, §440 Transitional transactions — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/440/	T, complete provision; original operative effective date not established.
J_VI-P01-S048	VI Legislature law, §441 Severability — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/441/	T, complete severability provision.

Captured table 11

Original headerless table; first data row retained · 11 data rows

Source ID	Issuer, title and full literal direct URL	Exact read bounds, version, pages and limits
J_VI-P01-S049	VI Legislature law, Title 27 §301, general licenses — https://law.justia.com/codes/virgin-islands/title-27/chapter-9/subchapter-i/301/	T, 2025 Title 27 §301 operative body, business-licensing framework. Chapter 7 applications reference compliance; not a verified Chapter 7 certificate.
J_VI-P01-S050	VI Legislature law, Title 27 §302, covered businesses/fees — https://law.justia.com/codes/virgin-islands/title-27/chapter-9/subchapter-i/302/	T, 2025 Title 27 §302 list/amounts, read for debt-management and adjacent collection/credit business categories. Do not relabel a collector's license as a provider registration.
J_VI-P01-S051	VI Legislature law, Title 12A §303, consumer-fraud definitions — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/303/	T, 2025 Chapter 6 §§303(c)–(f), (h), (k)–(l), consumer/deception/department definitions. Different coverage from Chapter 7.
J_VI-P01-S052	VI Legislature law, Title 12A §304, deceptive practices — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/304/	T, 2025 §304 prohibited conduct. No debt-management license created by this provision.
J_VI-P01-S053	VI Legislature law, Title 12A §327, DLCA enforcement — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/327/	T, 2025 §327 body; Chapter 6 authority only.
J_VI-P01-S054	VI Legislature law, Title 12A §328, DLCA remedies — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/328/	T, 2025 §328 administrative/judicial remedy body; not automatically an individual Chapter 7 award.
J_VI-P01-S055	VI Legislature law, Title 12A §331, private action — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/331/	T, 2025 §331 action and remedies, subject to its elements and §436 nonduplication.
J_VI-P01-S056	VI Legislature law, Title 12A §333, exceptions — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/333/	T, 2025 §333; an exemption from Chapter 6 is not necessarily an exemption from Chapter 7.
J_VI-P01-S057	VI Legislature law, Title 9 Ch.22, Uniform Money Services Act index — https://law.justia.com/codes/virgin-islands/title-9/chapter-22/	T-index, 2025 separate money-transmission/check-cashing/currency-license organization. Index alone cannot resolve independent payment-intermediary licensing.
J_VI-P01-S058	FTC/OFR, 16 CFR §310.2, definitions — https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2	F, eCFR displayed as of 2026-10-22; actual §§310.2(o), (ff), (hh)–(ii) read. HTML; printed/PDF n/a.

Captured table 12

Original headerless table; first data row retained · 30 data rows

Source ID	Issuer, title and full literal direct URL	Exact read bounds / status
J_VI-P01-S049	VI Legislature law, Title 27 §301 Business licenses — https://law.justia.com/codes/virgin-islands/title-27/chapter-9/subchapter-i/301/	T, §301 application/general license prerequisites. Separate from Chapter 7 registration.
J_VI-P01-S050	VI Legislature law, Title 27 §302 Categories and fees — https://law.justia.com/codes/virgin-islands/title-27/chapter-9/subchapter-i/302/	T, full category/fee list; checked relevant credit-bureau/collection wording and absence of an obvious separately named debt-settlement line; no equivalence presumed.
J_VI-P01-S051	VI Legislature law, Title 12A §303 Consumer-fraud definitions — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/303/	T, §§303(c)–(f), (h), (j)–(l): DLCA, consumer purpose, deception, commerce and telemarketing.
J_VI-P01-S052	VI Legislature law, Title 12A §304 Deceptive business practices — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/304/	T, §304 operative prohibition.
J_VI-P01-S053	VI Legislature law, Title 12A §327 Enforcement — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/327/	T, §327 DLCA enforcement.
J_VI-P01-S054	VI Legislature law, Title 12A §328 DLCA remedies — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/328/	T, §328 agency relief, procedural predicates; not borrowed as Chapter 7 provider penalties.
J_VI-P01-S055	VI Legislature law, Title 12A §331 Private right of action — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/331/	T, §331 specific private-action text, including its class-action/treble context. No assumed general individual Chapter 6 remedy beyond its actual wording.
J_VI-P01-S056	VI Legislature law, Title 12A §333 Exemptions — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/333/	T, §333 exemption; applies to Chapter 6 analysis, not automatically Chapter 7.
J_VI-P01-S057	VI Legislature law, Title 9 Ch.22 Uniform Money Services Act — https://law.justia.com/codes/virgin-islands/title-9/chapter-22/	T, chapter/subchapter headings only; adjacent activity-law discovery, not sufficient to find debt-plan administration automatically licensed as transmission.
J_VI-P01-S058	FTC/OFR, 16 CFR §310.2 TSR definitions — https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2	F, entire §310.2, especially (o), (ff), (hh)–(ii). eCFR displayed 2026-10-22 version, last Title 16 amendment 2026-10-19; HTML, no print/PDF index.
J_VI-P01-S059	FTC/OFR, 16 CFR §310.3 through Part 310 complete text — https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310	F, actual §310.3(a)(1)(viii), misrepresentation terms, associated footnote read within Part 310; direct single-section fetch was unreliable. Same dated eCFR display and HTML limitations.
J_VI-P01-S060	FTC/OFR, 16 CFR §310.4 Abusive telemarketing — https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4	F, §§310.4(a)(2), (a)(5)(i)(A)–(C), (a)(5)(ii)(A)–(E); same eCFR status; no PDF inspected.
J_VI-P01-S061	FTC/OFR, 16 CFR §310.6 Exemptions — https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6	F, §§310.6(b)(3)–(7) and exception clauses; same version, HTML.
J_VI-P01-S062	FTC staff, Debt Relief Services and the Telemarketing Sales Rule: A Guide for Business — https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business	G / agency guidance, live explanatory body, initially issued for 2010 debt-relief rules, checked 2026-10-26; not controlling against current CFR text.
J_VI-P01-S063	U.S. Congress/GPO, 15 USC §44 FTC Act definitions — https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec44.htm	F, 2024 U.S. Code HTML §44 “Commerce” and “Corporation”; no print/PDF page examined.
J_VI-P01-S064	U.S. Congress/GPO, 15 USC §1679a CROA definitions — https://www.govinfo.gov/link/uscode/15/1679a	F, official 2024 U.S. Code PDF text layer, §1679a(1)–(4), printed p. 1552; PDF index 0. No pixel/image inspection.
J_VI-P01-S065	U.S. Congress/GPO, 15 USC §1679b CROA prohibited practices — https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A-sec1679b.htm	F, 2024 Code HTML, §§1679b(a)–(b); printed/PDF page not inspected.
J_VI-P01-S066	U.S. Congress/GPO, 15 USC §1679c CROA disclosures — https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A-sec1679c.htm	F, 2024 Code HTML, §§1679c(a)–(c); printed/PDF page not inspected.
J_VI-P01-S067	U.S. Congress/GPO, 15 USC §1679d CROA contracts — https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A-sec1679d.htm	F, 2024 Code HTML, §§1679d(a)–(b), performance and terms; no PDF inspected.
J_VI-P01-S068	U.S. Congress/GPO, 15 USC §1679e CROA cancellation — https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A-sec1679e.htm	F, 2024 Code HTML, §§1679e(a)–(c), cancellation/copy requirements; no PDF inspected.
J_VI-P01-S069	U.S. Congress/GPO, 15 USC §1679g CROA civil liability — https://www.govinfo.gov/link/uscode/15/1679g	F, 2024 Code PDF text layer, §§1679g(a)–(b), printed p. 1555; PDF index 0; no pixel inspection.
J_VI-P01-S070	U.S. Congress/GPO, 15 USC §1679h CROA public enforcement — https://www.govinfo.gov/link/uscode/15/1679h	F, 2024 Code PDF text layer, §§1679h(a)–(c), spanning printed pp. 1555–1556; PDF indices 0–1; no pixel inspection. Territorial “State” authorization issue not resolved beyond actual federal text.
J_VI-P01-S071	U.S. Congress/GPO, 15 USC §1679j Relation to state law — https://www.govinfo.gov/link/uscode/15/1679j	F, 2024 Code PDF text layer, §1679j printed p. 1556; PDF index 0; no pixel inspection.
J_VI-P01-S072	USVI Department of Justice, institutional site — https://usvidoj.com/	G, Attorney General/territorial enforcement office description; no actual enforcement docket or contact.
J_VI-P01-S073	DLCA, Consumer Affairs — https://www.dlca.vi.gov/consumeraffairs/	G, agency functions and public license/complaint navigation; no private complaint, lookup or submission.
J_VI-P01-S074	Superior Court, Civil Division FAQs — https://superior.vicourts.org/office_of_the_clerk/civil_division/civil_division_f_a_qs	G, public court-information page and site links; no person-specific case. Substantive legal-aid eligibility not verified.
J_VI-P01-S075	VI Legislature law, Title 9 §503 Money services exclusions — https://law.justia.com/codes/virgin-islands/title-9/chapter-22/subchapter-i/503/	T, actual exclusions (1)–(10) read; not a full determination of whether any debt provider transmits money.
J_VI-P01-S076	VI Legislature law, Title 9 §511 Money transmission license — https://law.justia.com/codes/virgin-islands/title-9/chapter-22/subchapter-ii/511/	D, indexed §511 title but direct body failed; no separate licensing conclusion drawn.
J_VI-P01-S077	Legislature institutional gateway — https://legvi.org/	D, official legislature/code/bill-source discovery; direct operative page retrieval failed. No authenticated Act 7145 file read.

Captured table 13

Original headerless table; first data row retained · 21 data rows

Claim ID	Precise A066 statement	Sources and exact pinpoints	Conditions, effect, confidence
J_VI-P01-C001	Title 12A Ch.7 is reproduced as a VI enactment added by Act 7145 on January 27, 2010; authenticated current consolidation/effective date not obtained.	S007 §§401–441 index; S008 §401 history; S047 §440; S001 code gateway; S002 failed operative access.	Historical statute located; do not use 2025 label as 2026 certification. P/U
J_VI-P01-C002	Lieutenant Governor is Chapter 7 regulator; DBIFR publicly identifies debt-management providers among regulated businesses.	S011 §404(c); S039 §432(a)–(g); S003 regulator description.	Registration, examination and enforcement distinct from DLCA consumer enforcement. P+G
J_VI-P01-C003	VI Supreme Court is highest territorial appellate court; Superior Court handles territorial proceedings; federal Bankruptcy Division exists in District Court.	S005 institutional appellate-jurisdiction paragraph; S017 §410(b)(2); S006 bankruptcy page.	Federal/territorial/private jurisdiction must be independently satisfied. G+P
J_VI-P01-C004	Territorial definition of state expressly includes VI; Chapter 7's registration/residence tests apply to known or reasonably known VI residents when the service undertaking is made.	S009 §402(19); S010 §§403(a)–(b)(1); S011 §404(a).	Remote provider can be covered; no local storefront necessity. P
J_VI-P01-C005	FTC Act commerce definition includes a U.S. territory; TSR separately defines territory-inclusive state and qualifying multistate phone campaign.	S063 §44; S058 §§310.2(ff), (hh)–(ii); S061 §310.6.	Geographic inclusion is not universal TSR applicability. F
J_VI-P01-C006	CROA classification uses interstate commerce or mails, consideration and consumer-credit-history purpose; it has express actor exclusions.	S064 §1679a(1)–(3); S071 §1679j.	No premise that every VI credit counselor or negotiator meets CROA. F
J_VI-P01-C007	Territorial debt-management service is intermediary conduct intended to secure creditor concessions; provider includes offering/service through others.	S009 §§402(6), (8), (13)–(15).	Functional conduct, not business label, governs. P
J_VI-P01-C008	Dedicated statute has enumerated professional, uncompensated, bank/bank-affiliate, judicial and incidental bill-payment exclusions.	S009 §402(8)(A)–(C); S010 §403(a)–(c).	Each exclusion requires its actual relationship/occupation/ordinary-course predicates. P
J_VI-P01-C009	No-compensation exception requires none from/on behalf of clients and their creditors; nonprofit label and creditor funding do not themselves qualify.	S010 §403(b)(2); S016 §409(d).	A creditor-funded intermediary may need registration and nonprofit independent board. P/I
J_VI-P01-C010	VI Chapter 7 speaks of an individual debtor without express secured/unsecured or personal-purpose limits in §402(8); CROA expressly uses consumer credit and TSR expressly unsecured creditors/debt collectors.	S009 §§402(8)–(9), (12); S058 §310.2(o); S064 §§1679a(1)–(3).	Natural person's business-purpose/secured cases possible under VI act; entity debtor is distinct; no cross-imported limitations. P/F/I
J_VI-P01-C011	Paid third-party negotiation is analytically distinct from lender advancing new funds or a creditor revising its own obligation.	S009 §§402(6), (8), (15); S064 §1679a(3)(B)(ii); S057 Title 9 chapter map.	Loan, collection and remittance activity may invoke separate law; no analogy-created Chapter 7 classification. P/F/I
J_VI-P01-C012	Provider must register for §404-covered VI individual before services; registered provider employee/agent has a narrow exemption from separate registration.	S011 §§404(a)–(b); S010 §403.	Applies only when actor/service/residence and exemptions tested. P
J_VI-P01-C013	Lieutenant Governor must maintain/publicize names of registered providers; particular public online roster was not found.	S011 §404(c); S003 official agency page.	Statutory duty established, lookup availability/current roster unverified. P/U
J_VI-P01-C014	Registration application includes regulator-set fee, bond/security, financial insurance, trust disclosures/consent, VI licensing/process-service details, locations, web presence, background/audit/accreditation documents and sample agreements.	S012 §§405(a)–(b); S013 §406(1)–(19); S049 §301.	No exact issued form/current filing charge, branch tariff or implementation verified. P
J_VI-P01-C015	Defined changed application information must be updated and specified filings are public while sensitive records are protected.	S014 §407; S015 §408.	Applies to enumerated items, not an invented universal publication or reporting obligation. P
J_VI-P01-C016	Certificate may be issued or denied under enumerated predicates; nonprofit/tax-exempt applicant must have sufficiently independent board; specified application decision/hearing/review periods exist.	S016 §§409(a)–(d); S017 §§410(a)–(c).	Temporary authority is discretionary; missing agency act does not create automatic registration; drafting anomaly held. P
J_VI-P01-C017	Annual renewal includes 30–60-day preexpiry filing period, financial/reporting material and specified pendency safeguards; other-state registration supplies application material only.	S018 §§411(a)–(e); S019 §412(1)–(3).	Neither prior license nor pending incomplete VI filing guarantees authorization. P
J_VI-P01-C018	Initial printed misconduct insurance $250,000; renewal greater of $250,000 or maximum recent trust balance; printed bond default $50,000 with discretionary variation and approved substitutes.	S012 §405(b)(4); S018 §411(b)(5); S020 §§413(a)–(e); S021 §414.	Security/prudential figures may be inflation-adjusted; premium ≠ consumer fee. P
J_VI-P01-C019	Regulator sets administration fees by rule and must adjust specified statute dollar figures using CPI-U trigger, base-year method and July 1 rule.	S012 §405(b)(1); S039 §§432(e)–(g).	2026 live schedule, CPI base year and notification not obtained. Do not certify any printed amount. P/U
J_VI-P01-C020	Territorial transition protects qualifying pre-effective transactions, but date of original effect not established in retrieved Act.	S047 §440; S008 §401 history.	Grandfathering cannot be computed from signing/publication date alone. P/U

Captured table 14

Original headerless table; first data row retained · 17 data rows

Claim ID	Precise A066 statement	Sources and exact pinpoints	Conditions, effect, confidence
J_VI-P01-C021	Provider must prepare itemized charges, financial analysis, education and suitable/affordable periodic-payment plan with expected creditor participation; specific risk and alternative disclosures precede assent.	S024 §§417(a)–(d); S037 §§430(a)–(b).	Separate DMP and settlement contexts; no creditor assent guaranteed. P
J_VI-P01-C022	Agreement needs dated signed record, immediate copy, individual/creditor/fee/payment schedule and nonparticipating creditor information; choice-of-law and remedy restrictions apply.	S026 §§419(a)–(c), (f)–(g).	Printed cross-refs “Section 20/27(a)” remain reconciliation hold. P/U
J_VI-P01-C023	Powers of attorney may authorize settlement ≤50% principal; greater-than-50%-principal settlement needs assent after creditor assent; final creditor rejection must be notified within five days of knowledge.	S026 §§419(d)(3), (e); S035 §428(a)(2)–(4).	Provider cannot unilaterally secure creditor concession. P
J_VI-P01-C024	Ordinary agreement cancellation by record before third-business-day midnight; defective specified agreement permits 30-day cancellation; genuine emergency waiver must be individual's own signed words.	S027 §§420(a)–(c).	No actual date calculated absent trigger, service, holiday/counting facts; refund and termination tracks distinct. P
J_VI-P01-C025	Required language is English absent rule change, plus translation for provider's primarily other-language communication; E-SIGN predicates apply to defined consumer disclosures.	S028 §421; S025 §§418(a)–(i); S046 §439.	§418 consumer-purpose condition is narrower; translating alone does not cure other deficiencies. P
J_VI-P01-C026	Individual may terminate at any time by record; provider may terminate after 60 days of missed contract payments; unused trust money and 65% of qualifying uncredited setup fee must return as specified.	S026 §419(d); S033 §§426(a)–(b); S029 §422(h).	Revoke powers of attorney; earned fees and early cancellation have separate analyses. P
J_VI-P01-C027	Provider-held plan funds for creditor distribution are trust assets, deposited within two business days, individually accounted and monthly reconciled; erroneous payments corrected and specified costs reimbursed.	S009 §402(20); S029 §§422(a)–(i).	Trigger is actual provider receipt for plan creditor disbursement; no universal assumption about independent accounts. P
J_VI-P01-C028	Provider supplies periodic and termination accounting, including each creditor payment, reserve, charge and settlement fee math; retains required records for five years.	S034 §§427(a)–(c).	Monthly and five-business-day-on-request requirements have the stated request-frequency condition. P
J_VI-P01-C029	Certain trust misuse, excessive authority, misrepresentation, referrals, employee incentives, related lending/purchasing and misleading guarantees are prohibited.	S035 §§428(a)–(d); S038 §431.	Read operative exceptions, especially conditional referral and government-sponsored counseling treatment; delegates do not erase provider responsibility. P
J_VI-P01-C030	VI printed DMP startup $50 maximum and monthly min($10 × remaining creditors, $50); separate settlement setup min($400, 4% of initial plan debt) and same monthly ceiling, with no simultaneous tracks.	S030 §§423(a)–(d)(3); S039 §432(f).	Only for covered and otherwise valid agreements; effective dollar adjustment/TSR fee timing hold. P
J_VI-P01-C031	VI settlement-specific per-debt compensation ≤30% of principal less actually paid creditor, then subtract setup/monthly fees to extent not previously credited.	S030 §423(f)(1)–(2); S009 §402(14), (17).	Each debt, historical principal, final payment and fee-credit ledger required. P
J_VI-P01-C032	No-plan counseling printed $100 maximum absent regulator approval and refunded if timely converted to plan; dishonored-payment limit and donation rules apply.	S030 §§423(d)(4), (e), (g); S031 §424.	Amounts subject to adjustment/other law; donations not solicited and cannot circumvent fees. P
J_VI-P01-C033	Covered TSR debt-relief service requires specified pre-enrollment material disclosures and prohibits material misrepresentation.	S058 §310.2(o),(ii); S059 §310.3(a)(1)(viii), corresponding footnote and misrepresentation clauses; S061 §310.6.	Qualifying telemarketing campaign and statutory actor/exemption analysis essential. F
J_VI-P01-C034	Covered TSR provider cannot request/receive fee before executed altered-debt agreement plus consumer payment and compliant per-debt allocation; qualifying dedicated accounts have independent-owner/refund predicates.	S060 §§310.4(a)(5)(i)(A)–(C), (ii)(A)–(E); S061 §310.6.	Territorial permissive cap does not override federal timing; funds saved ≠ earned fee. F
J_VI-P01-C035	Covered telemarketing credit-improvement representations additionally face TSR §310.4(a)(2)'s completion/result evidence; CROA covered services cannot be charged before fully performed.	S060 §310.4(a)(2); S064 §1679a(3); S065 §1679b(b).	Separate predicates; no automatic application to bare debt negotiation. F
J_VI-P01-C036	CROA calls for separate written disclosure, dated written contract and three-business-day no-service/cancellation protections where covered.	S066 §§1679c(a)–(c); S067 §§1679d(a)–(b); S068 §§1679e(a)–(c).	No exact personal deadline without execution/calendar facts. F

Captured table 15

Original headerless table; first data row retained · 13 data rows

Claim ID	Precise A066 statement	Sources and exact pinpoints	Conditions, effect, confidence
J_VI-P01-C037	Unauthorized §423/§424 fees and unregistered provider at assent make the provider agreement voidable, with separate enforcement consequences.	S032 §§425(a)–(c); S042 §§435(a)–(b).	Individual's election, violation and recipient of payment matter; no automatic creditor debt discharge. P
J_VI-P01-C038	Lieutenant Governor may investigate, examine, order cessation/correction/restitution, litigate, intervene and impose printed administrative penalty limits.	S039 §§432(a)–(e); S040 §§433(a)–(e).	Maximum printed $10,000/violation or qualifying final-order $20,000/violation, subject to adjustment/process. P
J_VI-P01-C039	Registration may be suspended/revoked/nonrenewed with enumerated grounds, emergency safeguards and hearing/judicial steps.	S041 §434; S017 §410(b).	Not automatic upon allegation; protected procedural rights. P
J_VI-P01-C040	§435 creates express individual civil actions: return of qualifying monies, specified treble amounts, compensatory/statutory-minimum damages, punitive damages and fees; good-faith-error defense and class modification.	S042 §§435(a)–(g); S039 §432(f).	Remedy-by-remedy predicates, no assumed award or current $5,000 minimum. P
J_VI-P01-C041	Provider enforcement has §437's four-year governmental and two-year latest-trigger private periods, plus statutory toll; Chapter 6 duplicate recovery barred.	S044 §§437(a)–(c); S043 §436.	Provider-law time periods only, not general debt limitation/revival. P
J_VI-P01-C042	Territorial Chapter 6 independently governs defined deceptive consumer-service conduct, with DLCA agency and express private provisions subject to its own limits.	S051 §§303(c)–(f), (k); S052 §304; S053 §327; S054 §328; S055 §331; S056 §333.	Do not transfer Chapter 6 definitions, fee/penalty numbers or exemptions wholesale to Chapter 7. P
J_VI-P01-C043	Title 27 requires general business-licensing analysis; Title 9 separately contains money-services law, but actual additional transmission liability remains unclassified.	S012 §405(b)(5); S049 §301; S050 §302; S057 Chapter 22 index; S075 §503; S076 unread §511.	No new mandatory debt-provider license solely by analogy. P/U/I
J_VI-P01-C044	CROA expressly provides private civil liability and federal enforcement, with relation-to-state-law rule; applicability must be separately established.	S069 §1679g(a)–(b), printed 1555/PDF 0; S070 §1679h(a)–(c), printed 1555–1556/PDF 0–1; S071 §1679j, printed 1556/PDF 0.	U.S.-Code 2024 edition; statutory covered entity/individual predicates still control. F
J_VI-P01-C045	The public regulator/complaint agencies and court/bankruptcy information are identifiable without any entity-specific action.	S003 DBIFR role; S004 DLCA navigation; S072 DOJ role; S073 Consumer Affairs duties; S005/S006 courts; S074 court site.	Read-only process, not actual complaint resolution, lawyer referral guarantee or bankruptcy advice. G
J_VI-P01-C046	Three hypothetical computations are conditional applications, not verified provider pricing or settlement outcome.	Example A: S009/S010/S011/S016/S019. Example B: S030 §423(d),(f), S039 §432(f), S060 §310.4(a)(5). Example C: S026 §419(d), S029 §422, S033 §426, S060 §310.4(a)(5)(ii).	Inputs explicitly assumed; printed-territorial-dollar and creditor-consent holds preserved. P/F/I
J_VI-P01-C047	Square VI debt-management provider appellate decision, specific effective adjustment rule, current roster and Chapter 7-specific criminal penalty were not located by bounded investigation.	S003 public regulator page; S007 §§401–441; S039–S042; S005/S006 official court discovery; bounded-domain queries recorded in A2.	Negative search outcome only, not law establishing nonexistence. U
J_VI-P01-C048	Chapter 7 customer-service §416 details and independent money-transmission §511 operative terms were not established because specific pages failed retrieval.	S023 §416 failed; S057 Chapter 22 index; S076 §511 failed.	No invented toll-free staffing, secondary license or exception. U

Captured table 16

Original headerless table; first data row retained · 13 data rows

Item / material subissue	Status	Findings / exact claim IDs	Missing evidence	Next focused action
1.1 Territory, legislature and code authority	partial	§1; J_VI-P01-C001	Authenticated current Chapter 7 and Act 7145 original	Reconcile enacted Act, subsequent session laws and official code
1.2 Responsible debt-provider regulator	answered	§1; J_VI-P01-C002	None for institutional identification	Validate actual program office/forms separately
1.3 DLCA versus Lieutenant Governor functions	answered	§§1, 3, 6; J_VI-P01-C002, J_VI-P01-C043	Administrative coordination detail	Review any implementing memoranda only if found
1.4 Court hierarchy and appellate authority	answered	§1; J_VI-P01-C003	Provider-specific judicial holding	Separate official opinion search by issue
1.5 Enacted/current/historical/proposed versions	partial	§1 and register A; J_VI-P01-C001, J_VI-P01-C020	Original effective clause, amendments through access date	Act/session-law comparison and official consolidation
1.6 Regulations and dollar-adjustment status	unresolved	§§3–4; J_VI-P01-C019, J_VI-P01-C047	CPI base year, rules, July 1 effective notices	Read promulgated Title 3 Chapter 35 instruments and agency notices
1.7 Territorial residence/cross-border gateway	answered	§§1–2; J_VI-P01-C004, J_VI-P01-C012	Particular service's actual knowledge facts	Apply resident-at-undertaking test to documented hypothetical only
1.8 FTC Act territory-commerce gateway	answered	§1; J_VI-P01-C005	Provider/entity-specific FTC coverage	Separate covered-actor analysis
1.9 TSR territory/telephone gateway	answered	§§1, 4; J_VI-P01-C005, J_VI-P01-C033	Actual interstate-call campaign facts	Apply §310.2 and §310.6 transaction matrix
1.10 CROA geographical/activity gateway	partial	§§1, 4; J_VI-P01-C006, J_VI-P01-C035	Territorial state-enforcement construction/case law	Target CROA statutory jurisdiction and opinions only if needed
1.11 Federal bankruptcy jurisdiction gateway	answered	§1; J_VI-P01-C003, J_VI-P01-C042	Nothing further needed for this gateway	Retain complete borrower bankruptcy analysis for separate pass
1.12 Territorial/federal/private enforcement separation	answered	§§1, 6; J_VI-P01-C038, J_VI-P01-C040, J_VI-P01-C044	Application to particular events	Keep distinct remedy paths in content schema

Captured table 17

Original headerless table; first data row retained · 14 data rows

Item / material subissue	Status	Findings / exact claim IDs	Missing evidence	Next focused action
2.1 Statutory provider, concessions and intermediary definitions	answered	§2; J_VI-P01-C007	None in reproduced definition	Verify enacted wording against official code
2.2 Debt settlement/negotiation/reduction of principal	answered	§2; J_VI-P01-C007, J_VI-P01-C011	Transaction-specific activities	Test actual intermediary conduct
2.3 DMP and creditor concessions/periodic payments	answered	§§2, 4–5; J_VI-P01-C007, J_VI-P01-C021, J_VI-P01-C030	Creditor participation evidence for any real plan	Keep DMP track distinct
2.4 Pure credit counseling/education	partial	§2; J_VI-P01-C007, J_VI-P01-C008	Other independent professional rules; §416 body	Bound actual activity, then inspect any dedicated rule
2.5 Credit-repair organization vs debt negotiator	partial	§§2, 4; J_VI-P01-C006, J_VI-P01-C035, J_VI-P01-C036	Dedicated VI credit-services enactment if any	Target official Title 12A/27 and promulgated regulations
2.6 Existing creditor collecting/restructuring own debt	answered for classification distinction	§2; J_VI-P01-C011	Collector/creditor conduct law deferred	Do not treat existing-creditor conduct as provider intermediation
2.7 Actual lender consolidation/refinancing	partial	§2; J_VI-P01-C011, J_VI-P01-C043	Applicable lending license/product law	Separate lender-product pass if relevant
2.8 Natural-person versus entity borrower	answered for textual distinction	§2; J_VI-P01-C010	Mixed-capacity borrower authority	Maintain entity/person classification
2.9 Personal versus commercial-purpose debts	partial	§2; J_VI-P01-C010	Controlling interpretation of business-purpose individual cases	Locate official decision or legislative construction
2.10 Secured versus unsecured debts	partial	§§2, 4; J_VI-P01-C010, J_VI-P01-C033	Secured-plan interactions; federal collector definition branches	Do not transfer TSR's unsecured scope to VI law
2.11 Internet/offshore/nonresident provider	answered	§§2–3, Example A; J_VI-P01-C004, J_VI-P01-C012	Actual facts of undertaking/residence	Apply statute before geography assumptions
2.12 Dedicated additional VI “debt adjustment”/“credit-services” license	unresolved / NOT LOCATED	§§2–3; J_VI-P01-C043, J_VI-P01-C048	Official regulatory text and additional enacted provisions	Repeat narrowly in authenticated code/regulation repository, not other states
2.13 Adjacent money transmission	unresolved	§5; J_VI-P01-C043, J_VI-P01-C048	§511 operative text, transmission definitions and actual fund arrangement	Independent Title 9 Chapter 22 applicability pass

Captured table 18

Original headerless table; first data row retained · 17 data rows

Item / material subissue	Status	Findings / exact claim IDs	Missing evidence	Next focused action
3.1 Registration requirement and regulator	answered	§3; J_VI-P01-C012	No entity-specific status authorized	Retain law/roster distinction
3.2 Public provider-registration lookup	partial	§3; J_VI-P01-C013	Actual accessible roster URL, frequency and completeness	Read official lookup documentation only
3.3 Registration filing form and fee	partial	§3; J_VI-P01-C014, J_VI-P01-C019	Current agency form and filing fee schedule	Obtain public agency rule/form text
3.4 Nonresident, no-storefront, branch/site reporting	partial	§3; J_VI-P01-C014	Additional branch fee/rule if promulgated	Confirm whether additional rule creates site charge
3.5 Initial background, audits and personnel data	answered	§3; J_VI-P01-C014	Applicant facts outside authorization	Preserve specific document predicates
3.6 Surety amount, benefit, duration and claims	partial	§3; J_VI-P01-C018, J_VI-P01-C019	Adjusted amount and agency discretion in operation	Review public adjustment/bond directive
3.7 Substitute security	answered	§3; J_VI-P01-C018	None for textual categories	Keep regulator approval conditions
3.8 Fidelity insurance, deductible, net worth	partial	§3; J_VI-P01-C018	Adjusted minimum and any supplementary net-worth rule	Verify official amendments/regulations; no net-worth threshold invented
3.9 Annual renewal and account-reporting measures	answered for statute	§3; J_VI-P01-C017, J_VI-P01-C018	Current renewal forms/administrative fee	Verify published rule/forms
3.10 Decisions, denial, hearings and appeal	partial	§3; J_VI-P01-C016	Original Act's “Commission” discrepancy, current procedures	Check Act No. 7145 and promulgated procedural rules
3.11 Amendments, application confidentiality, examinations	answered for statutory text	§§3, 6; J_VI-P01-C015, J_VI-P01-C038	Confidential administrative practice	Separate records/review from public lookup
3.12 Attorney/CPA/financial planner exceptions	partial	§2; J_VI-P01-C008	Qualifying planner rule and real professional relationship	Inspect adopted planner-recognition rule if any
3.13 Bank, affiliate, judicial and incidental billpay exceptions	answered	§2; J_VI-P01-C008	Actual regulated-activity evidence	Test entity/ordinary-course conditions
3.14 Nonprofit and independent board	answered for textual predicate	§3, Example A; J_VI-P01-C009, J_VI-P01-C016	Entity-specific independence not in scope	Avoid nonprofit exemption shorthand
3.15 Other-state license and accreditation	answered	§3; J_VI-P01-C017	None for rule distinction	Apply application-substitution conditions only
3.16 Suspension, revocation and emergency process	answered for statutory text	§6; J_VI-P01-C039	Rule/procedure amendments	Verify before consumer-facing legal deadlines

Captured table 19

Original headerless table; first data row retained · 16 data rows

Item / material subissue	Status	Findings / exact claim IDs	Missing evidence	Next focused action
4.1 Whether settlement and DMP are permitted subject to regulation	answered for statutory framework	§§2–4; J_VI-P01-C007, J_VI-P01-C030	Effective amendments and actual registration	Do not advertise as blanket permission
4.2 Pre-charge signed-agreement requirement	answered	§4; J_VI-P01-C030	Actual contract compliance	Check both territorial and federal tracks
4.3 DMP setup/monthly fee formulas	partial	§4; J_VI-P01-C030	Current adjusted dollar limits	Verify rule/notices
4.4 Settlement setup/monthly fee formulas	partial	§4, Example B; J_VI-P01-C030, J_VI-P01-C046	Current adjusted dollar limits and ledger facts	Review CPI rule plus fee history
4.5 Per-debt settlement compensation/crediting	answered for formula	§4, Example B; J_VI-P01-C031, J_VI-P01-C046	Controlling allocation decision if dispute	Keep per-debt ledgers and verify final satisfaction
4.6 Standalone education and conversion refund	partial	§4; J_VI-P01-C032	Regulator-authorized larger charge/current amount	Inspect published approval/rule
4.7 Dishonor/default/cancellation/termination charges	partial	§§4–5; J_VI-P01-C024, J_VI-P01-C026, J_VI-P01-C032	Other-law dishonor fee and current adjustment	Separate unauthorized penalty from lawful earned fee
4.8 Donations, creditor fair-share and referral money	answered for textual rules	§4; J_VI-P01-C029, J_VI-P01-C032	Actual creditor payment/disclosure history	Assess money flows individually
4.9 Statutory fee versus filing fee versus security premium	answered for distinction	§§3–4; J_VI-P01-C018, J_VI-P01-C019, J_VI-P01-C030	Agency filing fee amount	Never combine fee categories
4.10 TSR debt-relief definitions and exemptions	answered	§4; J_VI-P01-C005, J_VI-P01-C033	Actual telemarketing facts	Apply phone/advertising/business exceptions
4.11 TSR advance-fee and dedicated-account conditions	answered	§§4–5; J_VI-P01-C034	Customer/creditor contract facts	Check executed agreement, first payment and allocation
4.12 TSR credit-improvement provision	answered conditionally	§4; J_VI-P01-C035	Actual claim and completed credit-improvement proof	Apply only if represented services qualify
4.13 CROA credit-repair services and exceptions	answered conditionally	§§2, 4; J_VI-P01-C006, J_VI-P01-C035	Specific service/advertised result	Test definition before imposing fees
4.14 CROA contract, fees and cancellation	answered	§4; J_VI-P01-C035, J_VI-P01-C036	Calendar/contract and any changed federal law after 2024	Verify current federal text before publication
4.15 Current actionable VI dollar caps	unresolved	§4; J_VI-P01-C019	Base year, CPI action, official adjustments	Publication hold until confirmed

Captured table 20

Original headerless table; first data row retained · 19 data rows

Item / material subissue	Status	Findings / exact claim IDs	Missing evidence	Next focused action
5.1 Financial analysis and suitability	answered	§5; J_VI-P01-C021	Particular analysis not in scope	Make generic checklist, not personal eligibility result
5.2 Agreement, disclosure, schedules and copy	answered for text	§5; J_VI-P01-C022	Enacted cross-reference correction	Verify the original model-number remnants
5.3 Creditor consent and nonparticipation	answered	§5; J_VI-P01-C021, J_VI-P01-C023	Actual creditor acceptance	No guaranteed concession or binding creditor
5.4 Over-50%-principal settlement authorization	answered	§5; J_VI-P01-C023	Actual post-offer assent	Preserve temporal consent sequence
5.5 Creditor rejection notification	answered	§5; J_VI-P01-C023	Knowledge date for a real event	No calendar computation
5.6 Translation and E-SIGN	partial	§5; J_VI-P01-C025	Implementing rule and scope for nonconsumer individual	Confirm primary/other-language communications
5.7 Ordinary three-business-day cancellation	answered	§5; J_VI-P01-C024	Trigger, method and holiday calendar	Apply only to assumed dates with counting authority
5.8 Defective agreement 30-day window	answered	§5; J_VI-P01-C024	Specific statutory defect	Link form and §419/428 compliance
5.9 Emergency cancellation waiver	answered	§5; J_VI-P01-C024	Actual genuine emergency and customer's own statement	No standard-form bypass
5.10 Later termination and POA cessation	answered	§5, Example C; J_VI-P01-C026	Real deposits/fee ledger	Reconcile permitted earnings and returned funds
5.11 Provider termination/default after 60 days	answered	§5; J_VI-P01-C026	Actual missed contractual payment sequence	No personal deadline without calendar
5.12 Trust segregation, insured bank and account location	partial	§5; J_VI-P01-C027	Any agency-prescribed bank location/eligibility	Check rule, not assume VI physical situs
5.13 Provider ledger, reconciliation and disbursement	answered	§5; J_VI-P01-C027, J_VI-P01-C028	Actual bank/account activity outside scope	Use statement and funds-flow checklist
5.14 Insolvency and unspent ownership	answered for statutory protection	§5; J_VI-P01-C027	Priority/recovery in an actual insolvency	No guaranteed fund recovery
5.15 Separate TSR dedicated account	answered conditionally	§5; J_VI-P01-C034	Whether account meets all conditions	Independently test administrator and ownership
5.16 Monthly reports and five-business-day requests	answered	§5; J_VI-P01-C028	Actual request history	Preserve once-per-calendar-month condition
5.17 Customer-service facility/staffing	unresolved	Register A1; J_VI-P01-C048	§416 operative body inaccessible	Read authenticated §416 before publishing details
5.18 Agreement duration, failed plan and creditor promises	partial	§§5–6; J_VI-P01-C021, J_VI-P01-C022, J_VI-P01-C026	Case-specific duration/participation terms	Do not promise settlement or fix a universal duration

Captured table 21

Original headerless table; first data row retained · 18 data rows

Item / material subissue	Status	Findings / exact claim IDs	Missing evidence	Next focused action
6.1 Administrative examinations and complaints	answered	§6; J_VI-P01-C038	Current regulator procedural materials	Read public complaint guidance, no filing
6.2 Cease/correct/restitution and regulator litigation	answered	§6; J_VI-P01-C038	No case-specific order in scope	Separate agency relief from private award
6.3 Administrative civil penalties	partial	§6; J_VI-P01-C038, J_VI-P01-C019	Adjusted 2026 figures	Confirm official CPI notices
6.4 Registration sanctions and emergency process	answered for statute	§6; J_VI-P01-C039	Implementing procedures	Read rules before deadline guidance
6.5 Express Chapter 7 voidability/remedies	answered for statutory remedies	§6; J_VI-P01-C037, J_VI-P01-C040	Actual predicates, defense, litigation	Preserve separate causes and exclusions
6.6 Treble damages/minimum/punitive/fees	partial	§6; J_VI-P01-C040	Current adjusted minimum, controlling interpretation	Do not show guaranteed awards
6.7 Criminal sanctions squarely in Chapter 7	unresolved / NOT LOCATED	§6; J_VI-P01-C047	Broader criminal statutes/enforcement charging instruments	Narrow separate criminal-source pass if warranted
6.8 Chapter 6 consumer fraud/private crossover	partial	§6; J_VI-P01-C041, J_VI-P01-C042	Scope-specific precedent	Keep §436 single-recovery rule
6.9 CROA federal remedies and enforcement	answered conditionally	§6; J_VI-P01-C044	Covered actor/territorial state-enforcer question	Separate federal jurisdiction from territorial private case
6.10 Chapter 7 action periods	answered for text	§6; J_VI-P01-C041	Actual trigger chronology	No exact claimant filing date
6.11 Provider enforcement opinions/orders	unresolved / NOT LOCATED	§6 and A2 search; J_VI-P01-C047	Unindexed holdings, official archives, administrative decisions	Focused public-opinion and published-order search
6.12 Agency public complaint resources	answered	§6; J_VI-P01-C045	Dedicated Chapter 7 intake form not located	Public instructions only; no actual complaint
6.13 Legal assistance/referral resources	partial	§6; J_VI-P01-C045	Current territorial legal-aid eligibility and service list	Inspect official public legal-aid listings
6.14 Read-only consumer document checklist	answered as informational output	§6; J_VI-P01-C045	No actual consumer facts authorized	Retain documentation checklist only
6.15 Hypothetical classification and exemption	answered conditional	Example A; J_VI-P01-C046	No real company facts	Retain all predicates in content
6.16 Hypothetical numeric fee analysis	answered as printed-text example; live amount unresolved	Example B; J_VI-P01-C030, J_VI-P01-C031, J_VI-P01-C034, J_VI-P01-C046	Adjusted caps/real ledger	Do not publish as 2026 limit
6.17 Hypothetical funds and termination	answered conditional	Example C; J_VI-P01-C026, J_VI-P01-C027, J_VI-P01-C046	Real payment/settlement facts	Preserve provider-versus-creditor distinction

Captured table 22

Original headerless table; first data row retained · 7 data rows

Other A066 territorial dimension	Status	Boundary and claim cross-reference	Missing evidence / next assignment
Collection conduct, validation and credit reporting	excluded_with_reason	Only necessary provider/creditor distinction in J_VI-P01-C011; no collector-conduct findings accepted.	Separate territorial collector-conduct, federal validation and reporting pass.
General debt limitations and revival	excluded_with_reason	J_VI-P01-C041 covers provider-action limits only.	Separate contract/debt limitation, accrual, payment/revival and choice-of-law pass.
Litigation, service, default and judgments	excluded_with_reason	Provider litigation remedies only under J_VI-P01-C037–C040.	Separate debt-lawsuit procedure/default/judgment pass.
Garnishment, bank and property exemptions	excluded_with_reason	Provider trust ownership under J_VI-P01-C027 does not decide creditor execution.	Separate wage, bank and property-enforcement pass.
Secured, medical, rent, utilities and taxes	excluded_with_reason	J_VI-P01-C010 flags classification limits only.	Separate obligations/product-specific priority and remedy passes.
Broader vulnerable-consumer and specialized remedies	excluded_with_reason	Only narrow Chapter 6 adjacency under J_VI-P01-C042.	Separate protected-population, unfair practices and specialized remedy pass.

Captured table 23

Original headerless table; first data row retained · 15 data rows

Priority	Unresolved question	Why it matters / precise next evidence
P0	Does authenticated current VI Title 12A Ch.7 match the reproduced 2025 text, including §§405, 410, 419 and 423–435?	Textual/legal currentness gate; obtain current official Lexis/authorized code or enacted session laws and amendments.
P0	What is the actual effective date of Act No. 7145 and how does §440 apply to pre-effective agreements?	Distinguishes date signed, law published and law in force. Read original Act's effective clause.
P0	Did the Lieutenant Governor promulgate §432(f) CPI base-year/adjustment regulations and subsequent July 1 schedules? What are the operative 2026 bond, insurance, fee, penalty and statutory-damage amounts?	Prevents false caps and remedy values. Need official promulgated rule and actual public adjustment notices, not computed estimates.
P0	Is there a Chapter 7 registration application, prescribed fee schedule and public provider-name list currently maintained by DBIFR?	Required for accurate licensing workflow and status verification; examine public instructions only, not entities.
P1	Are the reproduced §405(b)(5) process-agent lettering and §410(b)(1) “Commission” language transcription errors, enacted errors or later cured?	Procedural correctness; compare original Act and authoritative codification.
P1	Are §419 references to “Section 27(a)” and “Section 20” enacted numbering artifacts, and what is their binding construction?	Required consumer agreement and notice wording; compare Act No. 7145/session-law original.
P1	Which actual Chapter 7 and related Title 3 Chapter 35 rules implement counselor certification, planner recognition, language variation, fee approval, trust bank and record duties?	Material exception/operational duties; published regulatory instrument needed.
P1	Is a particular fund-handling arrangement independently money transmission under Title 9, Chapter 22, and what are its exclusions?	§511 body failed; no second-license conclusion supported. Separate activity analysis.
P1	Is there an independently applicable VI credit-repair/credit-services law outside Chapter 7, and which activities trigger it?	Separate credit-improvement business classification; no law by analogy or third-party marketing summary.
P1	Are there controlling Virgin Islands Supreme Court, District Court/Third Circuit or published agency decisions specifically interpreting §§402, 403, 423, 425 or 435?	Can change scope and remedies; bounded indexed search was negative, archives may differ.
P2	What are the complete operative §416 customer-service staffing/system requirements?	Direct section retrieval failed; cannot publish specific call-center promises.
P2	For mixed business/personal and secured obligations of natural persons, is there controlling VI statutory construction not obvious from §402's text?	Boundary between §402 wording and specialized product regulation.
P2	What current public legal-aid resources and complaint intake channels are explicitly designated for Chapter 7 claims?	Public-process accuracy; general agency sites are not a verified specialist referral.
P2	What post-2024 amendments, if any, change the relied-on federal CROA Code provisions?	Official GPO source is 2024 edition; a newer federal statute compilation should be checked before definitive 2026 guidance.

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3 pending corrections

This dated research component contains identified issues. Read the correction panel before relying on its affected passages or tables. Other findings retain their own evidence limits.

J_VI-P01-C001 Saved research record

Title 12A Ch.7 is reproduced as a VI enactment added by Act 7145 on January 27, 2010; authenticated current consolidation/effective date not obtained.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S007 §§401–441 index; S008 §401 history; S047 §440; S001 code gateway; S002 failed operative access.
Conditions, effect, confidence: Historical statute located; do not use 2025 label as 2026 certification. P/U

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C001", "status": "scoped_review_complete_with_source_version_application_holds", "note": "Historical enactment appears in returned section histories, but401/440not authenticated and440freshfailed. Actual effective clause,2026consolidation and amendment chain held.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S001": "official_institutional_gateway_checked_only", "J_VI-P01-S002": "not_reopened_in_this_scoped_review", "J_VI-P01-S007": "not_reopened_in_this_scoped_review", "J_VI-P01-S008": "not_reopened_in_this_scoped_review", "J_VI-P01-S047": "supplied_URL_failed_once_no_retry"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C002 Saved research record

Lieutenant Governor is Chapter 7 regulator; DBIFR publicly identifies debt-management providers among regulated businesses.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S011 §404(c); S039 §432(a)–(g); S003 regulator description.
Conditions, effect, confidence: Registration, examination and enforcement distinct from DLCA consumer enforcement. P+G

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C002", "status": "scoped_review_complete_with_source_version_application_holds", "note": "Official DBIFRrole and reproduced432powers support institutional description;404freshfailed. No actual registration/roster or complaint resolution accepted.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S003": "official_institutional_gateway_checked_only", "J_VI-P01-S011": "supplied_URL_failed_once_no_retry", "J_VI-P01-S039": "unofficial_territorial_text_checked_authentication_currentness_held"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C003 Saved research record

VI Supreme Court is highest territorial appellate court; Superior Court handles territorial proceedings; federal Bankruptcy Division exists in District Court.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S005 institutional appellate-jurisdiction paragraph; S017 §410(b)(2); S006 bankruptcy page.
Conditions, effect, confidence: Federal/territorial/private jurisdiction must be independently satisfied. G+P

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C003", "status": "scoped_review_complete_with_source_version_application_holds", "note": "Supreme institutional hierarchy and Bankruptcy Division existence plus410reviewtext checked. Complete federal jurisdiction, borrower eligibility and actual proceedings not checked.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S005": "official_institutional_gateway_checked_only", "J_VI-P01-S006": "official_institutional_gateway_checked_only", "J_VI-P01-S017": "unofficial_territorial_text_checked_authentication_currentness_held"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C004 Saved research record

Territorial definition of state expressly includes VI; Chapter 7's registration/residence tests apply to known or reasonably known VI residents when the service undertaking is made.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S009 §402(19); S010 §§403(a)–(b)(1); S011 §404(a).
Conditions, effect, confidence: Remote provider can be covered; no local storefront necessity. P

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C004", "status": "scoped_review_complete_with_source_version_application_holds", "note": "402(19)state definition checked;403/404failed once. Resident-at-undertaking knowledge, remote coverage and exemption predicates remain researcher-attributed/unverified.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S009": "unofficial_territorial_text_checked_authentication_currentness_held", "J_VI-P01-S010": "supplied_URL_failed_once_no_retry", "J_VI-P01-S011": "supplied_URL_failed_once_no_retry"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C005 Saved research record

FTC Act commerce definition includes a U.S. territory; TSR separately defines territory-inclusive state and qualifying multistate phone campaign.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S063 §44; S058 §§310.2(ff), (hh)–(ii); S061 §310.6.
Conditions, effect, confidence: Geographic inclusion is not universal TSR applicability. F

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C005", "status": "scoped_review_complete_with_source_version_application_holds", "note": "Fresh44commerce,310.2o/ff/hh/ii and complete310.6body support distinct territorial/telephone gateway; no actual actor/campaign or full FTCjurisdiction audit.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S058": "fresh_selected_text_checked_with_limits", "J_VI-P01-S061": "fresh_selected_text_checked_with_limits", "J_VI-P01-S063": "fresh_selected_text_checked_with_limits"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C006 Recorded correction or qualification applies

CROA classification uses interstate commerce or mails, consideration and consumer-credit-history purpose; it has express actor exclusions.

Recorded check status: requires bounded material correction UNSENT

Sources and exact pinpoints: S064 §1679a(1)–(3); S071 §1679j.
Conditions, effect, confidence: No premise that every VI credit counselor or negotiator meets CROA. F

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C006", "status": "requires_bounded_material_correction_UNSENT", "note": "1679a1-4parsedtext and1679jread; household-purpose implication in related narrative requiresQ002, separate from consumer=individual and express actor exclusions.", "finding_ids": ["J_VI-P01-Q002"], "literal_source_tokens_and_dispositions": {"J_VI-P01-S064": "fresh_selected_text_checked_with_limits", "J_VI-P01-S071": "fresh_selected_text_checked_with_limits"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C007 Saved research record

Territorial debt-management service is intermediary conduct intended to secure creditor concessions; provider includes offering/service through others.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S009 §§402(6), (8), (13)–(15).
Conditions, effect, confidence: Functional conduct, not business label, governs. P

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C007", "status": "scoped_review_complete_with_source_version_application_holds", "note": "Complete402concessions/intermediary/provider/plan text supports functional distinction only. Territorial authentication and actual transaction remain held.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S009": "unofficial_territorial_text_checked_authentication_currentness_held"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C008 Saved research record

Dedicated statute has enumerated professional, uncompensated, bank/bank-affiliate, judicial and incidental bill-payment exclusions.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S009 §402(8)(A)–(C); S010 §403(a)–(c).
Conditions, effect, confidence: Each exclusion requires its actual relationship/occupation/ordinary-course predicates. P

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C008", "status": "scoped_review_complete_with_source_version_application_holds", "note": "402professional relationships and planner rule predicates checked;403compensated/bank/judicial/billpay exclusions failed. No blanket exemption accepted.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S009": "unofficial_territorial_text_checked_authentication_currentness_held", "J_VI-P01-S010": "supplied_URL_failed_once_no_retry"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C009 Saved research record

No-compensation exception requires none from/on behalf of clients and their creditors; nonprofit label and creditor funding do not themselves qualify.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S010 §403(b)(2); S016 §409(d).
Conditions, effect, confidence: A creditor-funded intermediary may need registration and nonprofit independent board. P/I

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C009", "status": "scoped_review_complete_with_source_version_application_holds", "note": "409nonprofit-board denial checked, but403no-compensation exclusion failed; creditor-funded scenario remains conditional and registration facts unknown.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S010": "supplied_URL_failed_once_no_retry", "J_VI-P01-S016": "unofficial_territorial_text_checked_authentication_currentness_held"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C010 Recorded correction or qualification applies

VI Chapter 7 speaks of an individual debtor without express secured/unsecured or personal-purpose limits in §402(8); CROA expressly uses consumer credit and TSR expressly unsecured creditors/debt collectors.

Recorded check status: requires bounded material correction UNSENT

Sources and exact pinpoints: S009 §§402(8)–(9), (12); S058 §310.2(o); S064 §§1679a(1)–(3).
Conditions, effect, confidence: Natural person's business-purpose/secured cases possible under VI act; entity debtor is distinct; no cross-imported limitations. P/F/I

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C010", "status": "requires_bounded_material_correction_UNSENT", "note": "402individual/entity and noexpress purpose/securitylimit text checked; TSRo and CROAa definitions separately read. Q002corrects inferred CROAhouseholdrestriction; mixedpurpose/secured interpretation held.", "finding_ids": ["J_VI-P01-Q002"], "literal_source_tokens_and_dispositions": {"J_VI-P01-S009": "unofficial_territorial_text_checked_authentication_currentness_held", "J_VI-P01-S058": "fresh_selected_text_checked_with_limits", "J_VI-P01-S064": "fresh_selected_text_checked_with_limits"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C011 Saved research record

Paid third-party negotiation is analytically distinct from lender advancing new funds or a creditor revising its own obligation.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S009 §§402(6), (8), (15); S064 §1679a(3)(B)(ii); S057 Title 9 chapter map.
Conditions, effect, confidence: Loan, collection and remittance activity may invoke separate law; no analogy-created Chapter 7 classification. P/F/I

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C011", "status": "scoped_review_complete_with_source_version_application_holds", "note": "402intermediary and CROAa creditor-own-debt exclusion checked; Title9index/product law unreopened. No automatic lender, collector or remitter classification.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S009": "unofficial_territorial_text_checked_authentication_currentness_held", "J_VI-P01-S057": "not_reopened_in_this_scoped_review", "J_VI-P01-S064": "fresh_selected_text_checked_with_limits"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C012 Saved research record

Provider must register for §404-covered VI individual before services; registered provider employee/agent has a narrow exemption from separate registration.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S011 §§404(a)–(b); S010 §403.
Conditions, effect, confidence: Applies only when actor/service/residence and exemptions tested. P

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C012", "status": "scoped_review_complete_with_source_version_application_holds", "note": "403/404registration and employee-agent operative sources failed once. No fresh registration requirement/exemption acceptance.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S010": "supplied_URL_failed_once_no_retry", "J_VI-P01-S011": "supplied_URL_failed_once_no_retry"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C013 Saved research record

Lieutenant Governor must maintain/publicize names of registered providers; particular public online roster was not found.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S011 §404(c); S003 official agency page.
Conditions, effect, confidence: Statutory duty established, lookup availability/current roster unverified. P/U

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C013", "status": "scoped_review_complete_with_source_version_application_holds", "note": "404public-name duty failed; DBIFRpubliccategory is not an actually obtained complete/current roster. No entity query.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S003": "official_institutional_gateway_checked_only", "J_VI-P01-S011": "supplied_URL_failed_once_no_retry"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C014 Saved research record

Registration application includes regulator-set fee, bond/security, financial insurance, trust disclosures/consent, VI licensing/process-service details, locations, web presence, background/audit/accreditation documents and sample agreements.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S012 §§405(a)–(b); S013 §406(1)–(19); S049 §301.
Conditions, effect, confidence: No exact issued form/current filing charge, branch tariff or implementation verified. P

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C014", "status": "scoped_review_complete_with_source_version_application_holds", "note": "Complete405and301text checked;406background/accreditation/sample-agreement body and302actualcategories/fees unreopened. No real form or fee accepted.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S012": "unofficial_territorial_text_checked_authentication_currentness_held", "J_VI-P01-S013": "not_reopened_in_this_scoped_review", "J_VI-P01-S049": "unofficial_territorial_text_checked_authentication_currentness_held"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C015 Saved research record

Defined changed application information must be updated and specified filings are public while sensitive records are protected.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S014 §407; S015 §408.
Conditions, effect, confidence: Applies to enumerated items, not an invented universal publication or reporting obligation. P

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C015", "status": "scoped_review_complete_with_source_version_application_holds", "note": "407/408not reopened; no actual application/publication/confidentiality practice finding.432selected examination confidentiality does not substitute those sections.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S014": "not_reopened_in_this_scoped_review", "J_VI-P01-S015": "not_reopened_in_this_scoped_review"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C016 Recorded correction or qualification applies

Certificate may be issued or denied under enumerated predicates; nonprofit/tax-exempt applicant must have sufficiently independent board; specified application decision/hearing/review periods exist.

Recorded check status: requires bounded material correction UNSENT

Sources and exact pinpoints: S016 §§409(a)–(d); S017 §§410(a)–(c).
Conditions, effect, confidence: Temporary authority is discretionary; missing agency act does not create automatic registration; drafting anomaly held. P

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C016", "status": "requires_bounded_material_correction_UNSENT", "note": "Complete409/410read; Q003requires conditionalSHALLissue versus temporaryMAY and409eindependence pinpoint. Official enactment/drafting/currentness and real registration held.", "finding_ids": ["J_VI-P01-Q003"], "literal_source_tokens_and_dispositions": {"J_VI-P01-S016": "unofficial_territorial_text_checked_authentication_currentness_held", "J_VI-P01-S017": "unofficial_territorial_text_checked_authentication_currentness_held"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C017 Saved research record

Annual renewal includes 30–60-day preexpiry filing period, financial/reporting material and specified pendency safeguards; other-state registration supplies application material only.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S018 §§411(a)–(e); S019 §412(1)–(3).
Conditions, effect, confidence: Neither prior license nor pending incomplete VI filing guarantees authorization. P

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C017", "status": "scoped_review_complete_with_source_version_application_holds", "note": "411failed once;412not reopened. Annualterm410checked, but renewalwindow/otherstate application details remain unverified and no reciprocity license inferred.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S018": "supplied_URL_failed_once_no_retry", "J_VI-P01-S019": "not_reopened_in_this_scoped_review"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C018 Saved research record

Initial printed misconduct insurance $250,000; renewal greater of $250,000 or maximum recent trust balance; printed bond default $50,000 with discretionary variation and approved substitutes.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S012 §405(b)(4); S018 §411(b)(5); S020 §§413(a)–(e); S021 §414.
Conditions, effect, confidence: Security/prudential figures may be inflation-adjusted; premium ≠ consumer fee. P

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C018", "status": "scoped_review_complete_with_source_version_application_holds", "note": "405initialinsurance,413bond and414substitutes checked;411renewal failed. All printed figures/implementation/discretion and actualcoverage held.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S012": "unofficial_territorial_text_checked_authentication_currentness_held", "J_VI-P01-S018": "supplied_URL_failed_once_no_retry", "J_VI-P01-S020": "unofficial_territorial_text_checked_authentication_currentness_held", "J_VI-P01-S021": "unofficial_territorial_text_checked_authentication_currentness_held"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C019 Saved research record

Regulator sets administration fees by rule and must adjust specified statute dollar figures using CPI-U trigger, base-year method and July 1 rule.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S012 §405(b)(1); S039 §§432(e)–(g).
Conditions, effect, confidence: 2026 live schedule, CPI base year and notification not obtained. Do not certify any printed amount. P/U

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C019", "status": "scoped_review_complete_with_source_version_application_holds", "note": "Complete432e-gmandatoryfees/CPI/baseyear/trigger/July1/rounding/notice text checked. Actualrule/currentdollars not obtained; no calculatedcap.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S012": "unofficial_territorial_text_checked_authentication_currentness_held", "J_VI-P01-S039": "unofficial_territorial_text_checked_authentication_currentness_held"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C020 Saved research record

Territorial transition protects qualifying pre-effective transactions, but date of original effect not established in retrieved Act.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S047 §440; S008 §401 history.
Conditions, effect, confidence: Grandfathering cannot be computed from signing/publication date alone. P/U

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C020", "status": "scoped_review_complete_with_source_version_application_holds", "note": "440freshfailed; sectionhistoryaddeddate not originaleffectiveclause. No grandfathering or operative date inferred.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S008": "not_reopened_in_this_scoped_review", "J_VI-P01-S047": "supplied_URL_failed_once_no_retry"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C021 Saved research record

Provider must prepare itemized charges, financial analysis, education and suitable/affordable periodic-payment plan with expected creditor participation; specific risk and alternative disclosures precede assent.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S024 §§417(a)–(d); S037 §§430(a)–(b).
Conditions, effect, confidence: Separate DMP and settlement contexts; no creditor assent guaranteed. P

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C021", "status": "scoped_review_complete_with_source_version_application_holds", "note": "417/430failed once; no fresh suitability, counselor, education, risk or adwarning claim acceptance.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S024": "supplied_URL_failed_once_no_retry", "J_VI-P01-S037": "supplied_URL_failed_once_no_retry"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C022 Saved research record

Agreement needs dated signed record, immediate copy, individual/creditor/fee/payment schedule and nonparticipating creditor information; choice-of-law and remedy restrictions apply.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S026 §§419(a)–(c), (f)–(g).
Conditions, effect, confidence: Printed cross-refs “Section 20/27(a)” remain reconciliation hold. P/U

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C022", "status": "scoped_review_complete_with_source_version_application_holds", "note": "Complete419agreement/delivery/forum/remedy/voidprovision text checked; model20/27number artifacts remain held. No actual contract compliance accepted.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S026": "unofficial_territorial_text_checked_authentication_currentness_held"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C023 Saved research record

Powers of attorney may authorize settlement ≤50% principal; greater-than-50%-principal settlement needs assent after creditor assent; final creditor rejection must be notified within five days of knowledge.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S026 §§419(d)(3), (e); S035 §428(a)(2)–(4).
Conditions, effect, confidence: Provider cannot unilaterally secure creditor concession. P

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C023", "status": "scoped_review_complete_with_source_version_application_holds", "note": "419and428completebody support >50%postcreditor-assent/POAlimits/termination and5dayrejection notice; no actual creditor assent or knowledge date.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S026": "unofficial_territorial_text_checked_authentication_currentness_held", "J_VI-P01-S035": "unofficial_territorial_text_checked_authentication_currentness_held"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C024 Saved research record

Ordinary agreement cancellation by record before third-business-day midnight; defective specified agreement permits 30-day cancellation; genuine emergency waiver must be individual's own signed words.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S027 §§420(a)–(c).
Conditions, effect, confidence: No actual date calculated absent trigger, service, holiday/counting facts; refund and termination tracks distinct. P

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C024", "status": "scoped_review_complete_with_source_version_application_holds", "note": "420failed once; ordinary/defective/emergency cancellation rules remain researcher-attributed, no deadline calculated.419termination not substitute.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S027": "supplied_URL_failed_once_no_retry"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C025 Saved research record

Required language is English absent rule change, plus translation for provider's primarily other-language communication; E-SIGN predicates apply to defined consumer disclosures.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S028 §421; S025 §§418(a)–(i); S046 §439.
Conditions, effect, confidence: §418 consumer-purpose condition is narrower; translating alone does not cure other deficiencies. P

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C025", "status": "scoped_review_complete_with_source_version_application_holds", "note": "418failed;421/439unreopened. No language/ESIGNimplementation or businesspurpose electronicroute accepted.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S025": "supplied_URL_failed_once_no_retry", "J_VI-P01-S028": "not_reopened_in_this_scoped_review", "J_VI-P01-S046": "not_reopened_in_this_scoped_review"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C026 Saved research record

Individual may terminate at any time by record; provider may terminate after 60 days of missed contract payments; unused trust money and 65% of qualifying uncredited setup fee must return as specified.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S026 §419(d); S033 §§426(a)–(b); S029 §422(h).
Conditions, effect, confidence: Revoke powers of attorney; earned fees and early cancellation have separate analyses. P

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C026", "status": "scoped_review_complete_with_source_version_application_holds", "note": "419anytimetermination/65%eligibleuncreditedsetup/POAtextchecked;426and422failed.60daydefault/immediaterefund mechanics remain held.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S026": "unofficial_territorial_text_checked_authentication_currentness_held", "J_VI-P01-S029": "supplied_URL_failed_once_no_retry", "J_VI-P01-S033": "supplied_URL_failed_once_no_retry"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C027 Saved research record

Provider-held plan funds for creditor distribution are trust assets, deposited within two business days, individually accounted and monthly reconciled; erroneous payments corrected and specified costs reimbursed.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S009 §402(20); S029 §§422(a)–(i).
Conditions, effect, confidence: Trigger is actual provider receipt for plan creditor disbursement; no universal assumption about independent accounts. P

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C027", "status": "scoped_review_complete_with_source_version_application_holds", "note": "402insuredseparateprovidertrustdefinition checked;422trust/deposit/reconcile/correction/insolvency body failed. No operationalfunds or fullprotection accepted.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S009": "unofficial_territorial_text_checked_authentication_currentness_held", "J_VI-P01-S029": "supplied_URL_failed_once_no_retry"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C028 Saved research record

Provider supplies periodic and termination accounting, including each creditor payment, reserve, charge and settlement fee math; retains required records for five years.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S034 §§427(a)–(c).
Conditions, effect, confidence: Monthly and five-business-day-on-request requirements have the stated request-frequency condition. P

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C028", "status": "scoped_review_complete_with_source_version_application_holds", "note": "427failed; no fresh periodic/request/fiveyearrecord duty verification. Agreement423or419 does not substitute recordretention body.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S034": "supplied_URL_failed_once_no_retry"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C029 Saved research record

Certain trust misuse, excessive authority, misrepresentation, referrals, employee incentives, related lending/purchasing and misleading guarantees are prohibited.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S035 §§428(a)–(d); S038 §431.
Conditions, effect, confidence: Read operative exceptions, especially conditional referral and government-sponsored counseling treatment; delegates do not erase provider responsibility. P

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C029", "status": "scoped_review_complete_with_source_version_application_holds", "note": "Complete428all(a)-(e)read incl unusual referral exception, supplierconditions and governmentprogramcounseling.431delegate-imputation body unreopened.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S035": "unofficial_territorial_text_checked_authentication_currentness_held", "J_VI-P01-S038": "not_reopened_in_this_scoped_review"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C030 Saved research record

VI printed DMP startup $50 maximum and monthly min($10 × remaining creditors, $50); separate settlement setup min($400, 4% of initial plan debt) and same monthly ceiling, with no simultaneous tracks.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S030 §§423(a)–(d)(3); S039 §432(f).
Conditions, effect, confidence: Only for covered and otherwise valid agreements; effective dollar adjustment/TSR fee timing hold. P

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C030", "status": "scoped_review_complete_with_source_version_application_holds", "note": "Complete423a-d3printedDMP/settlement/no-combination and432CPItext checked.419/428textnotactualagreement; capnot2026authorization and TSRtiming separate.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S030": "unofficial_territorial_text_checked_authentication_currentness_held", "J_VI-P01-S039": "unofficial_territorial_text_checked_authentication_currentness_held"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C031 Saved research record

VI settlement-specific per-debt compensation ≤30% of principal less actually paid creditor, then subtract setup/monthly fees to extent not previously credited.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S030 §423(f)(1)–(2); S009 §402(14), (17).
Conditions, effect, confidence: Each debt, historical principal, final payment and fee-credit ledger required. P

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C031", "status": "scoped_review_complete_with_source_version_application_holds", "note": "423fperdebtexcess-based30%lessuncreditedsetup/monthly and402principalatagreement text checked. Actualpaid/fullsettlement/creditledger held.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S009": "unofficial_territorial_text_checked_authentication_currentness_held", "J_VI-P01-S030": "unofficial_territorial_text_checked_authentication_currentness_held"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C032 Saved research record

No-plan counseling printed $100 maximum absent regulator approval and refunded if timely converted to plan; dishonored-payment limit and donation rules apply.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S030 §§423(d)(4), (e), (g); S031 §424.
Conditions, effect, confidence: Amounts subject to adjustment/other law; donations not solicited and cannot circumvent fees. P

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C032", "status": "scoped_review_complete_with_source_version_application_holds", "note": "423noagreementeducation/conversion90day/dishonor lesserof branches checked;424donationbody unreopened and actualapproval/currentcap/otherlawheld.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S030": "unofficial_territorial_text_checked_authentication_currentness_held", "J_VI-P01-S031": "not_reopened_in_this_scoped_review"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C033 Saved research record

Covered TSR debt-relief service requires specified pre-enrollment material disclosures and prohibits material misrepresentation.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S058 §310.2(o),(ii); S059 §310.3(a)(1)(viii), corresponding footnote and misrepresentation clauses; S061 §310.6.
Conditions, effect, confidence: Qualifying telemarketing campaign and statutory actor/exemption analysis essential. F

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C033", "status": "scoped_review_complete_with_source_version_application_holds", "note": "Complete310.3disclosure/debtmisrepresentation andfootnote1beforeenrollment checked throughsuppliedPart310; wholePartnotread.310.2/310.6gatewayactualfactsheld.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S058": "fresh_selected_text_checked_with_limits", "J_VI-P01-S059": "fresh_selected_text_checked_with_limits", "J_VI-P01-S061": "fresh_selected_text_checked_with_limits"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C034 Saved research record

Covered TSR provider cannot request/receive fee before executed altered-debt agreement plus consumer payment and compliant per-debt allocation; qualifying dedicated accounts have independent-owner/refund predicates.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S060 §§310.4(a)(5)(i)(A)–(C), (ii)(A)–(E); S061 §310.6.
Conditions, effect, confidence: Territorial permissive cap does not override federal timing; funds saved ≠ earned fee. F

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C034", "status": "scoped_review_complete_with_source_version_application_holds", "note": "Complete selected310.4a5fee/account predicates checked; no mereaccumulationearning, no fixedperdebtfeeswitch, no actualcustomer/creditorfirstpayment oraccountidentity accepted.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S060": "fresh_selected_text_checked_with_limits", "J_VI-P01-S061": "fresh_selected_text_checked_with_limits"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C035 Recorded correction or qualification applies

Covered telemarketing credit-improvement representations additionally face TSR §310.4(a)(2)'s completion/result evidence; CROA covered services cannot be charged before fully performed.

Recorded check status: requires bounded material correction UNSENT

Sources and exact pinpoints: S060 §310.4(a)(2); S064 §1679a(3); S065 §1679b(b).
Conditions, effect, confidence: Separate predicates; no automatic application to bare debt negotiation. F

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C035", "status": "requires_bounded_material_correction_UNSENT", "note": "CROAbfullyperformed bodychecked; TSRa2representedperiodAND>sixmonthresult-report condition omittedQ001. Distinctcoveredcreditimprovement/telemarketing predicates held.", "finding_ids": ["J_VI-P01-Q001"], "literal_source_tokens_and_dispositions": {"J_VI-P01-S060": "fresh_selected_text_checked_with_limits", "J_VI-P01-S064": "fresh_selected_text_checked_with_limits", "J_VI-P01-S065": "fresh_selected_text_checked_with_limits"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C036 Saved research record

CROA calls for separate written disclosure, dated written contract and three-business-day no-service/cancellation protections where covered.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S066 §§1679c(a)–(c); S067 §§1679d(a)–(b); S068 §§1679e(a)–(c).
Conditions, effect, confidence: No exact personal deadline without execution/calendar facts. F

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C036", "status": "scoped_review_complete_with_source_version_application_holds", "note": "2024CROAc/d/ecomplete bodies checked incl separateackstatement2yearretention, written/date/no-service, boldnotice/duplicateform and copies. No actualcontract/calendar or post2024currency audit.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S066": "fresh_selected_text_checked_with_limits", "J_VI-P01-S067": "fresh_selected_text_checked_with_limits", "J_VI-P01-S068": "fresh_selected_text_checked_with_limits"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C037 Saved research record

Unauthorized §423/§424 fees and unregistered provider at assent make the provider agreement voidable, with separate enforcement consequences.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S032 §§425(a)–(c); S042 §§435(a)–(b).
Conditions, effect, confidence: Individual's election, violation and recipient of payment matter; no automatic creditor debt discharge. P

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C037", "status": "scoped_review_complete_with_source_version_application_holds", "note": "425and435freshfailed; provideragreementvoidability not independently verified and doesnot dischargecreditor. No award/election inferred.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S032": "supplied_URL_failed_once_no_retry", "J_VI-P01-S042": "supplied_URL_failed_once_no_retry"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C038 Saved research record

Lieutenant Governor may investigate, examine, order cessation/correction/restitution, litigate, intervene and impose printed administrative penalty limits.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S039 §§432(a)–(e); S040 §§433(a)–(e).
Conditions, effect, confidence: Maximum printed $10,000/violation or qualifying final-order $20,000/violation, subject to adjustment/process. P

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C038", "status": "scoped_review_complete_with_source_version_application_holds", "note": "432and433completebodieschecked incl discretionary relief and qualifyingfinalorder penalty/factors. CurrentCPI/process/actualorderviolation held.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S039": "unofficial_territorial_text_checked_authentication_currentness_held", "J_VI-P01-S040": "unofficial_territorial_text_checked_authentication_currentness_held"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C039 Saved research record

Registration may be suspended/revoked/nonrenewed with enumerated grounds, emergency safeguards and hearing/judicial steps.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S041 §434; S017 §410(b).
Conditions, effect, confidence: Not automatic upon allegation; protected procedural rights. P

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C039", "status": "scoped_review_complete_with_source_version_application_holds", "note": "434unreopened;410registration-denialreview alone doesnotverify wholesanction/emergency branch. Procedural/currentness held.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S017": "unofficial_territorial_text_checked_authentication_currentness_held", "J_VI-P01-S041": "not_reopened_in_this_scoped_review"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C040 Saved research record

§435 creates express individual civil actions: return of qualifying monies, specified treble amounts, compensatory/statutory-minimum damages, punitive damages and fees; good-faith-error defense and class modification.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S042 §§435(a)–(g); S039 §432(f).
Conditions, effect, confidence: Remedy-by-remedy predicates, no assumed award or current $5,000 minimum. P

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C040", "status": "scoped_review_complete_with_source_version_application_holds", "note": "435failed; treble/statutoryminimum/class/defense/fees remain researcher-attributed; no currentdamages or liability accepted.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S039": "unofficial_territorial_text_checked_authentication_currentness_held", "J_VI-P01-S042": "supplied_URL_failed_once_no_retry"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C041 Saved research record

Provider enforcement has §437's four-year governmental and two-year latest-trigger private periods, plus statutory toll; Chapter 6 duplicate recovery barred.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S044 §§437(a)–(c); S043 §436.
Conditions, effect, confidence: Provider-law time periods only, not general debt limitation/revival. P

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C041", "status": "scoped_review_complete_with_source_version_application_holds", "note": "437failed and436unreopened. No latesttrigger/toll/double-recovery doctrine freshacceptance or personalclock.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S043": "not_reopened_in_this_scoped_review", "J_VI-P01-S044": "supplied_URL_failed_once_no_retry"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C042 Saved research record

Territorial Chapter 6 independently governs defined deceptive consumer-service conduct, with DLCA agency and express private provisions subject to its own limits.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S051 §§303(c)–(f), (k); S052 §304; S053 §327; S054 §328; S055 §331; S056 §333.
Conditions, effect, confidence: Do not transfer Chapter 6 definitions, fee/penalty numbers or exemptions wholesale to Chapter 7. P

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C042", "status": "scoped_review_complete_with_source_version_application_holds", "note": "AllsixactualflatChapter6sources unreopened. Three mistaken coordinator subchapter locatorfailures are not evidenceabout actualS051/S055/S056. Consumerpurpose/exemptions/remedies held.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S051": "not_reopened_in_this_scoped_review", "J_VI-P01-S052": "not_reopened_in_this_scoped_review", "J_VI-P01-S053": "not_reopened_in_this_scoped_review", "J_VI-P01-S054": "not_reopened_in_this_scoped_review", "J_VI-P01-S055": "not_reopened_in_this_scoped_review", "J_VI-P01-S056": "not_reopened_in_this_scoped_review"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C043 Saved research record

Title 27 requires general business-licensing analysis; Title 9 separately contains money-services law, but actual additional transmission liability remains unclassified.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S012 §405(b)(5); S049 §301; S050 §302; S057 Chapter 22 index; S075 §503; S076 unread §511.
Conditions, effect, confidence: No new mandatory debt-provider license solely by analogy. P/U/I

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C043", "status": "scoped_review_complete_with_source_version_application_holds", "note": "Supplied301plus405generallicense crossref checked;302,Title9index/503unreopened,511originalfailure not retried. No additionaltransmissionlicense liability inferred.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S012": "unofficial_territorial_text_checked_authentication_currentness_held", "J_VI-P01-S049": "unofficial_territorial_text_checked_authentication_currentness_held", "J_VI-P01-S050": "not_reopened_in_this_scoped_review", "J_VI-P01-S057": "not_reopened_in_this_scoped_review", "J_VI-P01-S075": "not_reopened_in_this_scoped_review", "J_VI-P01-S076": "not_reopened_in_this_scoped_review"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C044 Saved research record

CROA expressly provides private civil liability and federal enforcement, with relation-to-state-law rule; applicability must be separately established.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S069 §1679g(a)–(b), printed 1555/PDF 0; S070 §1679h(a)–(c), printed 1555–1556/PDF 0–1; S071 §1679j, printed 1556/PDF 0.
Conditions, effect, confidence: U.S.-Code 2024 edition; statutory covered entity/individual predicates still control. F

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C044", "status": "scoped_review_complete_with_source_version_application_holds", "note": "CompleteparsedCROAg/h/jread; noPDFpixels, actualaward or resolvedterritorialStateenforcermeaning.2024versionattribution retained and subsequentamendmentsheld.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S069": "fresh_selected_text_checked_with_limits", "J_VI-P01-S070": "fresh_selected_text_checked_with_limits", "J_VI-P01-S071": "fresh_selected_text_checked_with_limits"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C045 Saved research record

The public regulator/complaint agencies and court/bankruptcy information are identifiable without any entity-specific action.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S003 DBIFR role; S004 DLCA navigation; S072 DOJ role; S073 Consumer Affairs duties; S005/S006 courts; S074 court site.
Conditions, effect, confidence: Read-only process, not actual complaint resolution, lawyer referral guarantee or bankruptcy advice. G

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C045", "status": "scoped_review_complete_with_source_version_application_holds", "note": "DBIFR/DLCAconsumerfunctions/Supreme/Bankruptcygateway checked; DOJ,DLCAhome,SuperiorFAQsnot reopened. No completeintake/legal-aidservice or eligibility guarantee.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S003": "official_institutional_gateway_checked_only", "J_VI-P01-S004": "not_reopened_in_this_scoped_review", "J_VI-P01-S005": "official_institutional_gateway_checked_only", "J_VI-P01-S006": "official_institutional_gateway_checked_only", "J_VI-P01-S072": "not_reopened_in_this_scoped_review", "J_VI-P01-S073": "official_institutional_gateway_checked_only", "J_VI-P01-S074": "not_reopened_in_this_scoped_review"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C046 Saved research record

Three hypothetical computations are conditional applications, not verified provider pricing or settlement outcome.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: Example A: S009/S010/S011/S016/S019. Example B: S030 §423(d),(f), S039 §432(f), S060 §310.4(a)(5). Example C: S026 §419(d), S029 §422, S033 §426, S060 §310.4(a)(5)(ii).
Conditions, effect, confidence: Inputs explicitly assumed; printed-territorial-dollar and creditor-consent holds preserved. P/F/I

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C046", "status": "scoped_review_complete_with_source_version_application_holds", "note": "All3savedexampleschecked;8equalitiesmatch, no new dates/scenarios. A403/404/412andC422/426hold;Bcurrentcap/validagreement/feeearning and actualrecords remain held.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S009": "unofficial_territorial_text_checked_authentication_currentness_held", "J_VI-P01-S010": "supplied_URL_failed_once_no_retry", "J_VI-P01-S011": "supplied_URL_failed_once_no_retry", "J_VI-P01-S016": "unofficial_territorial_text_checked_authentication_currentness_held", "J_VI-P01-S019": "not_reopened_in_this_scoped_review", "J_VI-P01-S026": "unofficial_territorial_text_checked_authentication_currentness_held", "J_VI-P01-S029": "supplied_URL_failed_once_no_retry", "J_VI-P01-S030": "unofficial_territorial_text_checked_authentication_currentness_held", "J_VI-P01-S033": "supplied_URL_failed_once_no_retry", "J_VI-P01-S039": "unofficial_territorial_text_checked_authentication_currentness_held", "J_VI-P01-S060": "fresh_selected_text_checked_with_limits"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C047 Saved research record

Square VI debt-management provider appellate decision, specific effective adjustment rule, current roster and Chapter 7-specific criminal penalty were not located by bounded investigation.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S003 public regulator page; S007 §§401–441; S039–S042; S005/S006 official court discovery; bounded-domain queries recorded in A2.
Conditions, effect, confidence: Negative search outcome only, not law establishing nonexistence. U

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C047", "status": "scoped_review_complete_with_source_version_application_holds", "note": "Original boundednegative case/criminal/rule/roster searches not repeated or converted to absence. No case or provider inquiry; unindexed/currentmaterials held.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S003": "official_institutional_gateway_checked_only", "J_VI-P01-S005": "official_institutional_gateway_checked_only", "J_VI-P01-S006": "official_institutional_gateway_checked_only", "J_VI-P01-S007": "not_reopened_in_this_scoped_review", "J_VI-P01-S039": "unofficial_territorial_text_checked_authentication_currentness_held", "J_VI-P01-S042": "supplied_URL_failed_once_no_retry"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-C048 Saved research record

Chapter 7 customer-service §416 details and independent money-transmission §511 operative terms were not established because specific pages failed retrieval.

Recorded check status: scoped review complete with source version application holds

Sources and exact pinpoints: S023 §416 failed; S057 Chapter 22 index; S076 §511 failed.
Conditions, effect, confidence: No invented toll-free staffing, secondary license or exception. U

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"claim_id": "J_VI-P01-C048", "status": "scoped_review_complete_with_source_version_application_holds", "note": "Original416/511failures preserved without retry; missing operative bodies remain unknown, not nonexistent.", "finding_ids": [], "literal_source_tokens_and_dispositions": {"J_VI-P01-S023": "not_reopened_in_this_scoped_review", "J_VI-P01-S057": "not_reopened_in_this_scoped_review", "J_VI-P01-S076": "not_reopened_in_this_scoped_review"}, "range_citations_not_mechanically_expanded": true, "all_propositions_primary_verified": false, "researcher_record_unchanged": true}, "independent_review": false, "parent_assignment_complete": false}

Sources, pinpoints and access limits

Keep the source version, actual read extent and jurisdiction with the proposition. A link or researcher access claim is not a substitute for an operative primary passage.

Search this report’s sources

J_VI-P01-S001 Saved research record

VI Election System, Virgin Islands Code — https://vivote.gov/virgin-islands-code/

Recorded check status: official institutional gateway checked only

Exact read bounds / status: G, page body, code-access statement and Lexis link. Current official-access direction; not operative §401–441 text.
Direct source URLs: https://vivote.gov/virgin-islands-code/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S001", "table_usage_ordinal": 1, "status": "official_institutional_gateway_checked_only", "read_ids": ["JVI1-R001"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S002 Saved research record

LexisNexis, VI Code public gateway — https://advance.lexis.com/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: D; gateway/discovery only, operative Title 12A content not recovered. No authoritative reconciliation performed.
Direct source URLs: https://advance.lexis.com/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S002", "table_usage_ordinal": 2, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S003 Saved research record

Office of Lieutenant Governor, DBIFR — https://ltg.gov.vi/departments/banking-insurance-and-financial-regulation/

Recorded check status: official institutional gateway checked only

Exact read bounds / status: G, regulator's financial-services responsibilities, documents/links page. No read and authenticated Chapter 7 adjustments or registration roster obtained.
Direct source URLs: https://ltg.gov.vi/departments/banking-insurance-and-financial-regulation/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S003", "table_usage_ordinal": 3, "status": "official_institutional_gateway_checked_only", "read_ids": ["JVI1-R002"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S004 Saved research record

DLCA, department home and license-search entry — https://dlca.vi.gov/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: G, public navigation/features; no entity lookup. General licensing only.
Direct source URLs: https://dlca.vi.gov/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S004", "table_usage_ordinal": 4, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S005 Saved research record

VI Supreme Court, About Us — https://supreme.vicourts.org/about_us

Recorded check status: official institutional gateway checked only

Exact read bounds / status: G, institutional appellate history/jurisdiction text, §§ on establishment and appeals. Not an opinion deciding Chapter 7.
Direct source URLs: https://supreme.vicourts.org/about_us

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S005", "table_usage_ordinal": 5, "status": "official_institutional_gateway_checked_only", "read_ids": ["JVI1-R003"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S006 Saved research record

District Court of VI, Bankruptcy Division — https://www.vid.uscourts.gov/bankruptcy-division-0

Recorded check status: official institutional gateway checked only

Exact read bounds / status: G, federal bankruptcy division and scope description; no individual eligibility or case search.
Direct source URLs: https://www.vid.uscourts.gov/bankruptcy-division-0

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S006", "table_usage_ordinal": 6, "status": "official_institutional_gateway_checked_only", "read_ids": ["JVI1-R004"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S007 Saved research record

Virgin Islands Code, Title 12A Ch.7 index — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: T, full statutory section inventory §§401–441; index alone not operative proof.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S007", "table_usage_ordinal": 7, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S008 Saved research record

VI Legislature law, §401 Short title — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/401/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: T, §401 body/history, Act short name.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/401/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S008", "table_usage_ordinal": 8, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S009 Saved research record

VI Legislature law, §402 Definitions — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/402/

Recorded check status: unofficial territorial text checked authentication currentness held

Exact read bounds / status: T, §§402(1)–(20), especially (3), (5)–(9), (11)–(15), (17), (19)–(20).
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/402/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S009", "table_usage_ordinal": 9, "status": "unofficial_territorial_text_checked_authentication_currentness_held", "read_ids": ["JVI1-R005", "JVI1-R006"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S010 Saved research record

VI Legislature law, §403 Exempt agreements and persons — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/403/

Recorded check status: supplied URL failed once no retry

Exact read bounds / status: T, §§403(a), (b)(1)–(2), (c)(1)–(4).
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/403/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S010", "table_usage_ordinal": 10, "status": "supplied_URL_failed_once_no_retry", "read_ids": [], "failures": [{"url": "https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/403/", "source_id": "J_VI-P01-S010", "packet": "[internal evidence reference]", "exact_message": "URL https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/403/ is not accessible via this tool.", "new_attempts": 1, "retries": 0, "alternate_access_workaround": false, "substantive_law_disproved": false, "coordinator_locator_error_not_report_source": false}], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S011 Saved research record

VI Legislature law, §404 Registration — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/404/

Recorded check status: supplied URL failed once no retry

Exact read bounds / status: T, §§404(a)–(c), resident knowledge, agent and public-list requirement.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/404/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S011", "table_usage_ordinal": 11, "status": "supplied_URL_failed_once_no_retry", "read_ids": [], "failures": [{"url": "https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/404/", "source_id": "J_VI-P01-S011", "packet": "[internal evidence reference]", "exact_message": "URL https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/404/ is not accessible via this tool.", "new_attempts": 1, "retries": 0, "alternate_access_workaround": false, "substantive_law_disproved": false, "coordinator_locator_error_not_report_source": false}], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S012 Saved research record

VI Legislature law, §405 Application form, fee and documents — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/405/

Recorded check status: unofficial territorial text checked authentication currentness held

Exact read bounds / status: T, §§405(a)–(b), including (b)(1)–(6). Printed insurance/bond-related predicates; apparent drafting irregularity in (b)(5), original-law verification hold.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/405/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S012", "table_usage_ordinal": 12, "status": "unofficial_territorial_text_checked_authentication_currentness_held", "read_ids": ["JVI1-R007"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S013 Saved research record

VI Legislature law, §406 Application required information — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/406/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: T, enumerated application paragraphs (1)–(19), locations, internet, audits, accreditation, personnel, programs and agreements.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/406/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S013", "table_usage_ordinal": 13, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S014 Saved research record

VI Legislature law, §407 Changes in information — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/407/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: T, §407 update duty and enumerated cross-references; prescribed ten-day update in specified circumstances.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/407/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S014", "table_usage_ordinal": 14, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S015 Saved research record

VI Legislature law, §408 Public information — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/408/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: T, §408 application public-inspection and confidential categories; not a retrieval of actual applications.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/408/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S015", "table_usage_ordinal": 15, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S016 Saved research record

VI Legislature law, §409 Issuance or denial — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/409/

Recorded check status: unofficial territorial text checked authentication currentness held

Exact read bounds / status: T, §§409(a)–(d), temporary authority, fitness, nonprofit-board condition.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/409/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S016", "table_usage_ordinal": 16, "status": "unofficial_territorial_text_checked_authentication_currentness_held", "read_ids": ["JVI1-R008"], "failures": [], "finding_ids": ["J_VI-P01-Q003"], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S017 Saved research record

VI Legislature law, §410 Registration timing — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/410/

Recorded check status: unofficial territorial text checked authentication currentness held

Exact read bounds / status: T, §§410(a)–(c): agency time, hearing/review, one-year term; apparent “Commission” reference requires enacted-text check.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/410/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S017", "table_usage_ordinal": 17, "status": "unofficial_territorial_text_checked_authentication_currentness_held", "read_ids": ["JVI1-R010"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S018 Saved research record

VI Legislature law, §411 Renewal — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/411/

Recorded check status: supplied URL failed once no retry

Exact read bounds / status: T, §§411(a)–(e), advance application, coverage, accounts, pendency and denial consequences.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/411/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S018", "table_usage_ordinal": 18, "status": "supplied_URL_failed_once_no_retry", "read_ids": [], "failures": [{"url": "https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/411/", "source_id": "J_VI-P01-S018", "packet": "[internal evidence reference]", "exact_message": "URL https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/411/ is not accessible via this tool.", "new_attempts": 1, "retries": 0, "alternate_access_workaround": false, "substantive_law_disproved": false, "coordinator_locator_error_not_report_source": false}], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S019 Saved research record

VI Legislature law, §412 Registration in another state — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/412/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: T, introductory paragraph and (1)–(3); application substitution, not registration reciprocity.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/412/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S019", "table_usage_ordinal": 19, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S020 Saved research record

VI Legislature law, §413 Bond required — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/413/

Recorded check status: unofficial territorial text checked authentication currentness held

Exact read bounds / status: T, §§413(a)–(e): face amount, adjustment discretion, continuity, claims.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/413/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S020", "table_usage_ordinal": 20, "status": "unofficial_territorial_text_checked_authentication_currentness_held", "read_ids": ["JVI1-R011", "JVI1-R012"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S021 Saved research record

VI Legislature law, §414 Bond substitute — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/414/

Recorded check status: unofficial territorial text checked authentication currentness held

Exact read bounds / status: T, §§414(a)(1)–(2), (b): approved insurance, letters of credit and obligations.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/414/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S021", "table_usage_ordinal": 21, "status": "unofficial_territorial_text_checked_authentication_currentness_held", "read_ids": ["JVI1-R013"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S022 Saved research record

VI Legislature law, §415 Good faith — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/415/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: T, operative section opened; note distinct §435(f) specific litigation defense.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/415/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S022", "table_usage_ordinal": 22, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S023 Saved research record

VI Legislature law, §416 Customer service — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/416/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: D, direct opening failed; third-party search index identifies heading, but actual current operative text not relied upon. Customer-service detail held.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/416/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S023", "table_usage_ordinal": 23, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S024 Saved research record

VI Legislature law, §417 Prerequisites — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/417/

Recorded check status: supplied URL failed once no retry

Exact read bounds / status: T, §§417(a)–(d), complete long disclosure/plan/counselor provisions.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/417/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S024", "table_usage_ordinal": 24, "status": "supplied_URL_failed_once_no_retry", "read_ids": [], "failures": [{"url": "https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/417/", "source_id": "J_VI-P01-S024", "packet": "[internal evidence reference]", "exact_message": "URL https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/417/ is not accessible via this tool.", "new_attempts": 1, "retries": 0, "alternate_access_workaround": false, "substantive_law_disproved": false, "coordinator_locator_error_not_report_source": false}], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S025 Saved research record

VI Legislature law, §418 Electronic communication — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/418/

Recorded check status: supplied URL failed once no retry

Exact read bounds / status: T, §§418(a)–(i), E-SIGN consent, online display, paper copies and termination procedures.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/418/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S025", "table_usage_ordinal": 25, "status": "supplied_URL_failed_once_no_retry", "read_ids": [], "failures": [{"url": "https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/418/", "source_id": "J_VI-P01-S025", "packet": "[internal evidence reference]", "exact_message": "URL https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/418/ is not accessible via this tool.", "new_attempts": 1, "retries": 0, "alternate_access_workaround": false, "substantive_law_disproved": false, "coordinator_locator_error_not_report_source": false}], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S026 Saved research record

VI Legislature law, §419 Agreement — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/419/

Recorded check status: unofficial territorial text checked authentication currentness held

Exact read bounds / status: T, §§419(a)–(g), contract, creditor consent, termination, powers of attorney, forum terms. Contains apparent residual model numbering.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/419/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S026", "table_usage_ordinal": 26, "status": "unofficial_territorial_text_checked_authentication_currentness_held", "read_ids": ["JVI1-R016"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S027 Saved research record

VI Legislature law, §420 Cancellation and waiver — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/420/

Recorded check status: supplied URL failed once no retry

Exact read bounds / status: T, §§420(a)–(c), both cancellation windows, form and emergency waiver.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/420/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S027", "table_usage_ordinal": 27, "status": "supplied_URL_failed_once_no_retry", "read_ids": [], "failures": [{"url": "https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/420/", "source_id": "J_VI-P01-S027", "packet": "[internal evidence reference]", "exact_message": "URL https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/420/ is not accessible via this tool.", "new_attempts": 1, "retries": 0, "alternate_access_workaround": false, "substantive_law_disproved": false, "coordinator_locator_error_not_report_source": false}], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S028 Saved research record

VI Legislature law, §421 Language — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/421/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: T, complete §421, English/translation/possible rule modification.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/421/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S028", "table_usage_ordinal": 28, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S029 Saved research record

VI Legislature law, §422 Trust account — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/422/

Recorded check status: supplied URL failed once no retry

Exact read bounds / status: T, §§422(a)–(i), beneficiary, deposits, ledgers, reconciliation, suspicious loss, relocation, refund.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/422/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S029", "table_usage_ordinal": 29, "status": "supplied_URL_failed_once_no_retry", "read_ids": [], "failures": [{"url": "https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/422/", "source_id": "J_VI-P01-S029", "packet": "[internal evidence reference]", "exact_message": "URL https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/422/ is not accessible via this tool.", "new_attempts": 1, "retries": 0, "alternate_access_workaround": false, "substantive_law_disproved": false, "coordinator_locator_error_not_report_source": false}], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S030 Saved research record

VI Legislature law, §423 Fees and charges — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/423/

Recorded check status: unofficial territorial text checked authentication currentness held

Exact read bounds / status: T, §§423(a)–(g), all fee tracks, crediting and conditional dollar adjustment.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/423/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S030", "table_usage_ordinal": 30, "status": "unofficial_territorial_text_checked_authentication_currentness_held", "read_ids": ["JVI1-R014", "JVI1-R015"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S031 Saved research record

VI Legislature law, §424 Voluntary contributions — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/424/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: T, entire §424, no solicitation and aggregate restriction.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/424/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S031", "table_usage_ordinal": 31, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S032 Saved research record

VI Legislature law, §425 Voidable agreements — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/425/

Recorded check status: supplied URL failed once no retry

Exact read bounds / status: T, §§425(a)–(c), fee and registration-related voidability.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/425/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S032", "table_usage_ordinal": 32, "status": "supplied_URL_failed_once_no_retry", "read_ids": [], "failures": [{"url": "https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/425/", "source_id": "J_VI-P01-S032", "packet": "[internal evidence reference]", "exact_message": "URL https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/425/ is not accessible via this tool.", "new_attempts": 1, "retries": 0, "alternate_access_workaround": false, "substantive_law_disproved": false, "coordinator_locator_error_not_report_source": false}], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S033 Saved research record

VI Legislature law, §426 Termination — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/426/

Recorded check status: supplied URL failed once no retry

Exact read bounds / status: T, §§426(a)–(b), missed payments and mandatory returns.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/426/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S033", "table_usage_ordinal": 33, "status": "supplied_URL_failed_once_no_retry", "read_ids": [], "failures": [{"url": "https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/426/", "source_id": "J_VI-P01-S033", "packet": "[internal evidence reference]", "exact_message": "URL https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/426/ is not accessible via this tool.", "new_attempts": 1, "retries": 0, "alternate_access_workaround": false, "substantive_law_disproved": false, "coordinator_locator_error_not_report_source": false}], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S034 Saved research record

VI Legislature law, §427 Reports/record retention — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/427/

Recorded check status: supplied URL failed once no retry

Exact read bounds / status: T, §§427(a)–(c), statement content, timing, five-year preservation.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/427/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S034", "table_usage_ordinal": 34, "status": "supplied_URL_failed_once_no_retry", "read_ids": [], "failures": [{"url": "https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/427/", "source_id": "J_VI-P01-S034", "packet": "[internal evidence reference]", "exact_message": "URL https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/427/ is not accessible via this tool.", "new_attempts": 1, "retries": 0, "alternate_access_workaround": false, "substantive_law_disproved": false, "coordinator_locator_error_not_report_source": false}], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S035 Saved research record

VI Legislature law, §428 Prohibited practices — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/428/

Recorded check status: unofficial territorial text checked authentication currentness held

Exact read bounds / status: T, §§428(a)–(d), trust, assent, referral and other prohibited conduct; exceptions inspected with main restrictions.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/428/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S035", "table_usage_ordinal": 35, "status": "unofficial_territorial_text_checked_authentication_currentness_held", "read_ids": ["JVI1-R017"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S036 Saved research record

VI Legislature law, §429 Notice of claims — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/429/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: T, §429 provider notice to regulator concerning covered litigation.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/429/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S036", "table_usage_ordinal": 36, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S037 Saved research record

VI Legislature law, §430 Advertising — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/430/

Recorded check status: supplied URL failed once no retry

Exact read bounds / status: T, §§430(a)–(b), DMP and settlement-specific warning disclosures.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/430/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S037", "table_usage_ordinal": 37, "status": "supplied_URL_failed_once_no_retry", "read_ids": [], "failures": [{"url": "https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/430/", "source_id": "J_VI-P01-S037", "packet": "[internal evidence reference]", "exact_message": "URL https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/430/ is not accessible via this tool.", "new_attempts": 1, "retries": 0, "alternate_access_workaround": false, "substantive_law_disproved": false, "coordinator_locator_error_not_report_source": false}], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S038 Saved research record

VI Legislature law, §431 Delegation — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/431/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: T, §431: provider responsibility for delegated services.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/431/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S038", "table_usage_ordinal": 38, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S039 Saved research record

VI Legislature law, §432 Lieutenant Governor powers — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/432/

Recorded check status: unofficial territorial text checked authentication currentness held

Exact read bounds / status: T, §§432(a)–(g), complaints, exams, rules, fees, CPI triggers, rounding and public notice.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/432/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S039", "table_usage_ordinal": 39, "status": "unofficial_territorial_text_checked_authentication_currentness_held", "read_ids": ["JVI1-R009"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S040 Saved research record

VI Legislature law, §433 Administrative remedies — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/433/

Recorded check status: unofficial territorial text checked authentication currentness held

Exact read bounds / status: T, §§433(a)–(e), penalties, enforcement and mitigating factors.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/433/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S040", "table_usage_ordinal": 40, "status": "unofficial_territorial_text_checked_authentication_currentness_held", "read_ids": ["JVI1-R018"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S041 Saved research record

VI Legislature law, §434 Suspension/revocation — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/434/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: T, §434 entire operative section, ordinary/emergency sanctions and process.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/434/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S041", "table_usage_ordinal": 41, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S042 Saved research record

VI Legislature law, §435 Private enforcement — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/435/

Recorded check status: supplied URL failed once no retry

Exact read bounds / status: T, §§435(a)–(g), separate remedies and defenses.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/435/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S042", "table_usage_ordinal": 42, "status": "supplied_URL_failed_once_no_retry", "read_ids": [], "failures": [{"url": "https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/435/", "source_id": "J_VI-P01-S042", "packet": "[internal evidence reference]", "exact_message": "URL https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/435/ is not accessible via this tool.", "new_attempts": 1, "retries": 0, "alternate_access_workaround": false, "substantive_law_disproved": false, "coordinator_locator_error_not_report_source": false}], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S043 Saved research record

VI Legislature law, §436 Chapter 6 overlap — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/436/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: T, complete no-double-recovery provision.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/436/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S043", "table_usage_ordinal": 43, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S044 Saved research record

VI Legislature law, §437 Limitation periods — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/437/

Recorded check status: supplied URL failed once no retry

Exact read bounds / status: T, §§437(a)–(c), provider enforcement and private-action limitation triggers only.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/437/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S044", "table_usage_ordinal": 44, "status": "supplied_URL_failed_once_no_retry", "read_ids": [], "failures": [{"url": "https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/437/", "source_id": "J_VI-P01-S044", "packet": "[internal evidence reference]", "exact_message": "URL https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/437/ is not accessible via this tool.", "new_attempts": 1, "retries": 0, "alternate_access_workaround": false, "substantive_law_disproved": false, "coordinator_locator_error_not_report_source": false}], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S045 Saved research record

VI Legislature law, §438 Uniformity of application — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/438/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: T, complete interpretive provision; does not enact every later model-law revision.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/438/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S045", "table_usage_ordinal": 45, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S046 Saved research record

VI Legislature law, §439 Relation to E-SIGN — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/439/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: T, complete §439, retained federal consumer-consent protections.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/439/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S046", "table_usage_ordinal": 46, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S047 Saved research record

VI Legislature law, §440 Transitional transactions — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/440/

Recorded check status: supplied URL failed once no retry

Exact read bounds / status: T, complete provision; original operative effective date not established.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/440/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S047", "table_usage_ordinal": 47, "status": "supplied_URL_failed_once_no_retry", "read_ids": [], "failures": [{"url": "https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/440/", "source_id": "J_VI-P01-S047", "packet": "[internal evidence reference]", "exact_message": "URL https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/440/ is not accessible via this tool.", "new_attempts": 1, "retries": 0, "alternate_access_workaround": false, "substantive_law_disproved": false, "coordinator_locator_error_not_report_source": false}], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S048 Saved research record

VI Legislature law, §441 Severability — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/441/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: T, complete severability provision.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/441/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S048", "table_usage_ordinal": 48, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S049 Saved research record

VI Legislature law, Title 27 §301, general licenses — https://law.justia.com/codes/virgin-islands/title-27/chapter-9/subchapter-i/301/

Recorded check status: unofficial territorial text checked authentication currentness held

Exact read bounds, version, pages and limits: T, 2025 Title 27 §301 operative body, business-licensing framework. Chapter 7 applications reference compliance; not a verified Chapter 7 certificate.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-27/chapter-9/subchapter-i/301/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S049", "table_usage_ordinal": 49, "status": "unofficial_territorial_text_checked_authentication_currentness_held", "read_ids": ["JVI1-R019"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S050 Saved research record

VI Legislature law, Title 27 §302, covered businesses/fees — https://law.justia.com/codes/virgin-islands/title-27/chapter-9/subchapter-i/302/

Recorded check status: not reopened in this scoped review

Exact read bounds, version, pages and limits: T, 2025 Title 27 §302 list/amounts, read for debt-management and adjacent collection/credit business categories. Do not relabel a collector's license as a provider registration.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-27/chapter-9/subchapter-i/302/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S050", "table_usage_ordinal": 50, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S051 Saved research record

VI Legislature law, Title 12A §303, consumer-fraud definitions — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/303/

Recorded check status: not reopened in this scoped review

Exact read bounds, version, pages and limits: T, 2025 Chapter 6 §§303(c)–(f), (h), (k)–(l), consumer/deception/department definitions. Different coverage from Chapter 7.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/303/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S051", "table_usage_ordinal": 51, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S052 Saved research record

VI Legislature law, Title 12A §304, deceptive practices — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/304/

Recorded check status: not reopened in this scoped review

Exact read bounds, version, pages and limits: T, 2025 §304 prohibited conduct. No debt-management license created by this provision.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/304/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S052", "table_usage_ordinal": 52, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S053 Saved research record

VI Legislature law, Title 12A §327, DLCA enforcement — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/327/

Recorded check status: not reopened in this scoped review

Exact read bounds, version, pages and limits: T, 2025 §327 body; Chapter 6 authority only.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/327/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S053", "table_usage_ordinal": 53, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S054 Saved research record

VI Legislature law, Title 12A §328, DLCA remedies — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/328/

Recorded check status: not reopened in this scoped review

Exact read bounds, version, pages and limits: T, 2025 §328 administrative/judicial remedy body; not automatically an individual Chapter 7 award.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/328/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S054", "table_usage_ordinal": 54, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S055 Saved research record

VI Legislature law, Title 12A §331, private action — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/331/

Recorded check status: not reopened in this scoped review

Exact read bounds, version, pages and limits: T, 2025 §331 action and remedies, subject to its elements and §436 nonduplication.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/331/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S055", "table_usage_ordinal": 55, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S056 Saved research record

VI Legislature law, Title 12A §333, exceptions — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/333/

Recorded check status: not reopened in this scoped review

Exact read bounds, version, pages and limits: T, 2025 §333; an exemption from Chapter 6 is not necessarily an exemption from Chapter 7.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/333/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S056", "table_usage_ordinal": 56, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S057 Saved research record

VI Legislature law, Title 9 Ch.22, Uniform Money Services Act index — https://law.justia.com/codes/virgin-islands/title-9/chapter-22/

Recorded check status: not reopened in this scoped review

Exact read bounds, version, pages and limits: T-index, 2025 separate money-transmission/check-cashing/currency-license organization. Index alone cannot resolve independent payment-intermediary licensing.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-9/chapter-22/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S057", "table_usage_ordinal": 57, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S058 Saved research record

FTC/OFR, 16 CFR §310.2, definitions — https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2

Recorded check status: fresh selected text checked with limits

Exact read bounds, version, pages and limits: F, eCFR displayed as of 2026-10-22; actual §§310.2(o), (ff), (hh)–(ii) read. HTML; printed/PDF n/a.
Direct source URLs: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S058", "table_usage_ordinal": 58, "status": "fresh_selected_text_checked_with_limits", "read_ids": ["JVI1-R020", "JVI1-R021", "JVI1-R022"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S049 Saved research record

VI Legislature law, Title 27 §301 Business licenses — https://law.justia.com/codes/virgin-islands/title-27/chapter-9/subchapter-i/301/

Recorded check status: unofficial territorial text checked authentication currentness held

Exact read bounds / status: T, §301 application/general license prerequisites. Separate from Chapter 7 registration.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-27/chapter-9/subchapter-i/301/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S049", "table_usage_ordinal": 59, "status": "unofficial_territorial_text_checked_authentication_currentness_held", "read_ids": ["JVI1-R019"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S050 Saved research record

VI Legislature law, Title 27 §302 Categories and fees — https://law.justia.com/codes/virgin-islands/title-27/chapter-9/subchapter-i/302/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: T, full category/fee list; checked relevant credit-bureau/collection wording and absence of an obvious separately named debt-settlement line; no equivalence presumed.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-27/chapter-9/subchapter-i/302/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S050", "table_usage_ordinal": 60, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S051 Saved research record

VI Legislature law, Title 12A §303 Consumer-fraud definitions — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/303/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: T, §§303(c)–(f), (h), (j)–(l): DLCA, consumer purpose, deception, commerce and telemarketing.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/303/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S051", "table_usage_ordinal": 61, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S052 Saved research record

VI Legislature law, Title 12A §304 Deceptive business practices — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/304/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: T, §304 operative prohibition.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/304/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S052", "table_usage_ordinal": 62, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S053 Saved research record

VI Legislature law, Title 12A §327 Enforcement — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/327/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: T, §327 DLCA enforcement.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/327/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S053", "table_usage_ordinal": 63, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S054 Saved research record

VI Legislature law, Title 12A §328 DLCA remedies — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/328/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: T, §328 agency relief, procedural predicates; not borrowed as Chapter 7 provider penalties.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/328/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S054", "table_usage_ordinal": 64, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S055 Saved research record

VI Legislature law, Title 12A §331 Private right of action — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/331/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: T, §331 specific private-action text, including its class-action/treble context. No assumed general individual Chapter 6 remedy beyond its actual wording.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/331/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S055", "table_usage_ordinal": 65, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S056 Saved research record

VI Legislature law, Title 12A §333 Exemptions — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/333/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: T, §333 exemption; applies to Chapter 6 analysis, not automatically Chapter 7.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/333/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S056", "table_usage_ordinal": 66, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S057 Saved research record

VI Legislature law, Title 9 Ch.22 Uniform Money Services Act — https://law.justia.com/codes/virgin-islands/title-9/chapter-22/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: T, chapter/subchapter headings only; adjacent activity-law discovery, not sufficient to find debt-plan administration automatically licensed as transmission.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-9/chapter-22/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S057", "table_usage_ordinal": 67, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S058 Saved research record

FTC/OFR, 16 CFR §310.2 TSR definitions — https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2

Recorded check status: fresh selected text checked with limits

Exact read bounds / status: F, entire §310.2, especially (o), (ff), (hh)–(ii). eCFR displayed 2026-10-22 version, last Title 16 amendment 2026-10-19; HTML, no print/PDF index.
Direct source URLs: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S058", "table_usage_ordinal": 68, "status": "fresh_selected_text_checked_with_limits", "read_ids": ["JVI1-R020", "JVI1-R021", "JVI1-R022"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S059 Saved research record

FTC/OFR, 16 CFR §310.3 through Part 310 complete text — https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310

Recorded check status: fresh selected text checked with limits

Exact read bounds / status: F, actual §310.3(a)(1)(viii), misrepresentation terms, associated footnote read within Part 310; direct single-section fetch was unreliable. Same dated eCFR display and HTML limitations.
Direct source URLs: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S059", "table_usage_ordinal": 69, "status": "fresh_selected_text_checked_with_limits", "read_ids": ["JVI1-R027", "JVI1-R028", "JVI1-R029"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S060 Saved research record

FTC/OFR, 16 CFR §310.4 Abusive telemarketing — https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4

Recorded check status: fresh selected text checked with limits

Exact read bounds / status: F, §§310.4(a)(2), (a)(5)(i)(A)–(C), (a)(5)(ii)(A)–(E); same eCFR status; no PDF inspected.
Direct source URLs: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S060", "table_usage_ordinal": 70, "status": "fresh_selected_text_checked_with_limits", "read_ids": ["JVI1-R023", "JVI1-R024"], "failures": [], "finding_ids": ["J_VI-P01-Q001"], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S061 Saved research record

FTC/OFR, 16 CFR §310.6 Exemptions — https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6

Recorded check status: fresh selected text checked with limits

Exact read bounds / status: F, §§310.6(b)(3)–(7) and exception clauses; same version, HTML.
Direct source URLs: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S061", "table_usage_ordinal": 71, "status": "fresh_selected_text_checked_with_limits", "read_ids": ["JVI1-R025", "JVI1-R026"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S062 Saved research record

FTC staff, Debt Relief Services and the Telemarketing Sales Rule: A Guide for Business — https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business

Recorded check status: fresh selected text checked with limits

Exact read bounds / status: G / agency guidance, live explanatory body, initially issued for 2010 debt-relief rules, checked 2026-10-26; not controlling against current CFR text.
Direct source URLs: https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S062", "table_usage_ordinal": 72, "status": "fresh_selected_text_checked_with_limits", "read_ids": ["JVI1-R039", "JVI1-R040"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S063 Saved research record

U.S. Congress/GPO, 15 USC §44 FTC Act definitions — https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec44.htm

Recorded check status: fresh selected text checked with limits

Exact read bounds / status: F, 2024 U.S. Code HTML §44 “Commerce” and “Corporation”; no print/PDF page examined.
Direct source URLs: https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec44.htm

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S063", "table_usage_ordinal": 73, "status": "fresh_selected_text_checked_with_limits", "read_ids": ["JVI1-R030"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S064 Saved research record

U.S. Congress/GPO, 15 USC §1679a CROA definitions — https://www.govinfo.gov/link/uscode/15/1679a

Recorded check status: fresh selected text checked with limits

Exact read bounds / status: F, official 2024 U.S. Code PDF text layer, §1679a(1)–(4), printed p. 1552; PDF index 0. No pixel/image inspection.
Direct source URLs: https://www.govinfo.gov/link/uscode/15/1679a

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S064", "table_usage_ordinal": 74, "status": "fresh_selected_text_checked_with_limits", "read_ids": ["JVI1-R031"], "failures": [], "finding_ids": ["J_VI-P01-Q002"], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S065 Saved research record

U.S. Congress/GPO, 15 USC §1679b CROA prohibited practices — https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A-sec1679b.htm

Recorded check status: fresh selected text checked with limits

Exact read bounds / status: F, 2024 Code HTML, §§1679b(a)–(b); printed/PDF page not inspected.
Direct source URLs: https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A-sec1679b.htm

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S065", "table_usage_ordinal": 75, "status": "fresh_selected_text_checked_with_limits", "read_ids": ["JVI1-R032"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S066 Saved research record

U.S. Congress/GPO, 15 USC §1679c CROA disclosures — https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A-sec1679c.htm

Recorded check status: fresh selected text checked with limits

Exact read bounds / status: F, 2024 Code HTML, §§1679c(a)–(c); printed/PDF page not inspected.
Direct source URLs: https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A-sec1679c.htm

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S066", "table_usage_ordinal": 76, "status": "fresh_selected_text_checked_with_limits", "read_ids": ["JVI1-R033"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S067 Saved research record

U.S. Congress/GPO, 15 USC §1679d CROA contracts — https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A-sec1679d.htm

Recorded check status: fresh selected text checked with limits

Exact read bounds / status: F, 2024 Code HTML, §§1679d(a)–(b), performance and terms; no PDF inspected.
Direct source URLs: https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A-sec1679d.htm

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S067", "table_usage_ordinal": 77, "status": "fresh_selected_text_checked_with_limits", "read_ids": ["JVI1-R034"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S068 Saved research record

U.S. Congress/GPO, 15 USC §1679e CROA cancellation — https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A-sec1679e.htm

Recorded check status: fresh selected text checked with limits

Exact read bounds / status: F, 2024 Code HTML, §§1679e(a)–(c), cancellation/copy requirements; no PDF inspected.
Direct source URLs: https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A-sec1679e.htm

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S068", "table_usage_ordinal": 78, "status": "fresh_selected_text_checked_with_limits", "read_ids": ["JVI1-R035"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S069 Saved research record

U.S. Congress/GPO, 15 USC §1679g CROA civil liability — https://www.govinfo.gov/link/uscode/15/1679g

Recorded check status: fresh selected text checked with limits

Exact read bounds / status: F, 2024 Code PDF text layer, §§1679g(a)–(b), printed p. 1555; PDF index 0; no pixel inspection.
Direct source URLs: https://www.govinfo.gov/link/uscode/15/1679g

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S069", "table_usage_ordinal": 79, "status": "fresh_selected_text_checked_with_limits", "read_ids": ["JVI1-R036"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S070 Saved research record

U.S. Congress/GPO, 15 USC §1679h CROA public enforcement — https://www.govinfo.gov/link/uscode/15/1679h

Recorded check status: fresh selected text checked with limits

Exact read bounds / status: F, 2024 Code PDF text layer, §§1679h(a)–(c), spanning printed pp. 1555–1556; PDF indices 0–1; no pixel inspection. Territorial “State” authorization issue not resolved beyond actual federal text.
Direct source URLs: https://www.govinfo.gov/link/uscode/15/1679h

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S070", "table_usage_ordinal": 80, "status": "fresh_selected_text_checked_with_limits", "read_ids": ["JVI1-R037"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S071 Saved research record

U.S. Congress/GPO, 15 USC §1679j Relation to state law — https://www.govinfo.gov/link/uscode/15/1679j

Recorded check status: fresh selected text checked with limits

Exact read bounds / status: F, 2024 Code PDF text layer, §1679j printed p. 1556; PDF index 0; no pixel inspection.
Direct source URLs: https://www.govinfo.gov/link/uscode/15/1679j

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S071", "table_usage_ordinal": 81, "status": "fresh_selected_text_checked_with_limits", "read_ids": ["JVI1-R038"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S072 Saved research record

USVI Department of Justice, institutional site — https://usvidoj.com/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: G, Attorney General/territorial enforcement office description; no actual enforcement docket or contact.
Direct source URLs: https://usvidoj.com/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S072", "table_usage_ordinal": 82, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S073 Saved research record

DLCA, Consumer Affairs — https://www.dlca.vi.gov/consumeraffairs/

Recorded check status: official institutional gateway checked only

Exact read bounds / status: G, agency functions and public license/complaint navigation; no private complaint, lookup or submission.
Direct source URLs: https://www.dlca.vi.gov/consumeraffairs/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S073", "table_usage_ordinal": 83, "status": "official_institutional_gateway_checked_only", "read_ids": ["JVI1-R041"], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S074 Saved research record

Superior Court, Civil Division FAQs — https://superior.vicourts.org/office_of_the_clerk/civil_division/civil_division_f_a_qs

Recorded check status: not reopened in this scoped review

Exact read bounds / status: G, public court-information page and site links; no person-specific case. Substantive legal-aid eligibility not verified.
Direct source URLs: https://superior.vicourts.org/office_of_the_clerk/civil_division/civil_division_f_a_qs

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S074", "table_usage_ordinal": 84, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S075 Saved research record

VI Legislature law, Title 9 §503 Money services exclusions — https://law.justia.com/codes/virgin-islands/title-9/chapter-22/subchapter-i/503/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: T, actual exclusions (1)–(10) read; not a full determination of whether any debt provider transmits money.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-9/chapter-22/subchapter-i/503/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S075", "table_usage_ordinal": 85, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S076 Saved research record

VI Legislature law, Title 9 §511 Money transmission license — https://law.justia.com/codes/virgin-islands/title-9/chapter-22/subchapter-ii/511/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: D, indexed §511 title but direct body failed; no separate licensing conclusion drawn.
Direct source URLs: https://law.justia.com/codes/virgin-islands/title-9/chapter-22/subchapter-ii/511/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S076", "table_usage_ordinal": 86, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

J_VI-P01-S077 Saved research record

Legislature institutional gateway — https://legvi.org/

Recorded check status: not reopened in this scoped review

Exact read bounds / status: D, official legislature/code/bill-source discovery; direct operative page retrieval failed. No authenticated Act 7145 file read.
Direct source URLs: https://legvi.org/

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T04:34:04.281669+00:00", "identity": "delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review", "review": "[internal evidence reference]", "checks": "[internal evidence reference]", "disposition": {"source_id": "J_VI-P01-S077", "table_usage_ordinal": 87, "status": "not_reopened_in_this_scoped_review", "read_ids": [], "failures": [], "finding_ids": [], "researcher_record_unchanged": true, "actual_application_accepted": false}, "independent_review": false, "parent_assignment_complete": false}

What was examined—and what is still missing

The saved component-level coverage record keeps answered, partial, blank and unresolved branches distinct. A coverage label is not acceptance of a whole subject or jurisdiction.

Search this report’s coverage and gaps

coverage-1 Saved research record