SettleADebt S_AK PASS-02 — bounded correction patch
Actual research/access date: October 24, 2026, America/Los_Angeles.
Provenance preserved: The immutable PASS-01 response remains an actual GPT-5.6 Sol Pro, regular-Chat report. This PASS-02 is a same-conversation, same-coordinator correction, not an independent review. No local-file, publication, provider-authorization, or whole-state-completion claim is made.
Control rule: The replacement language below controls only where it expressly replaces or qualifies PASS-01. All other PASS-01 material, IDs, examples, calculations, exclusions, and open investigations remain unchanged.
1. Exact replacement: PASS-01 §2.1 access-matrix wording
Replace the original noncustodial-settlement row
Original wording to remove:
“Not prohibited as a named business and no dedicated debt license located.”
Replacement row:
| Model or function |
Corrected Alaska status |
Required conditions and limits |
| Noncustodial debt settlement or negotiation—provider negotiates but does not receive or control consumer money for transmission |
No dedicated Alaska debt-relief licensing regime or express activity-specific prohibition was located in PASS-01 or this bounded correction. This is a negative research finding, not affirmative permission to operate and not a conclusion that the model is lawful under every applicable Alaska law. |
Market access remains conditional on the provider’s actual functions and facts, including business licensing; AS 45.63 campaign registration, contract, and refund rules; UTPA advertising and status representations; receipt or control of funds under AS 06.55; creditor-side collection activity; the availability and exact scope of any exclusion; contract architecture; and independently applicable federal TSR coverage and fee timing. No provider is certified by this row. |
Add this qualification immediately after the matrix
A finding that noncustodial negotiation does not, on the stated facts, satisfy the ordinary receipt-and-transmission element of AS 06.55 answers only that classification issue. It does not establish lawful operation under all Alaska law, immunize hybrid or constructive-control arrangements, establish an exemption, validate a fee, or authorize telephonic or online solicitation.
This qualifies PASS-01 C001, C002, and C003 without changing the narrower statutory-text inference in C003.
2. Exact replacements: PASS-01 S012–S014 and C025–C027
The critical correction is to separate:
- what the enrolled bill text says;
- whether the text was read from an official government copy or a mirror;
- whether an official source establishes enactment, chapter number, and effective date; and
- which provisions are current versus future-effective.
2.1 SB 249
Corrected evidence treatment for PASS-01 S012
Enrolled text: PASS-01 read the LegiScan-hosted enrolled copy and used its page-level text for the money-transmission nexus amendment and virtual-currency-kiosk provisions. That document remains a mirror copy, not an official Alaska-hosted enrolled bill. Its earlier PASS-01 page reads remain attributed to that mirror and are not disproved by the coordinator’s later inability to retrieve it.
Direct mirror URL:
Plain text
https://legiscan.com/AK/text/SB249/id/3447234/Alaska-2025-SB249-Enrolled.pdf
Official enactment/currentness evidence now actually readable: The Alaska Division of Banking and Securities’ official homepage states under “Changes to Alaska Uniform Money Services Act, AS 06.55” that SB 249 becomes effective October 1, 2026 and links the Alaska Legislature’s official enrolled-bill PDF. Because the actual access date is October 24, 2026, that official agency passage supports treating the SB 249 changes as effective for this pass, absent a later stay, repeal, or contrary authority. It does not itself supply the chapter number or reproduce every amended clause. Alaska Department of Commerce
Official agency URL:
Plain text
https://www.commerce.alaska.gov/web/dbs/
Linked official enrolled-bill URL, inaccessible in the coordinator route:
Plain text
https://www.akleg.gov/PDF/34/Bills/SB0249Z.PDF
Chapter-number status: Official legislative search results surfaced a July 16, 2026 Senate Journal route displaying “Chapter 50, SLA 2026” and “Effective Date: 10/1/26,” but the underlying official journal/status page and PDF remained inaccessible in the public route. Under this assignment’s source rule, that search result is discovery, not a successfully read primary passage. “Chapter 50, SLA 2026” therefore should not be presented as independently authenticated by PASS-02. Alaska State Legislature+1
Replacement for PASS-01 C025
S_AK-P1-C025 — REPLACED: The Alaska Division of Banking and Securities’ official current webpage verifies that SB 249 became effective October 1, 2026. PASS-01’s assertions about the amended transmission nexus and the 10% virtual-currency-kiosk cap rest on the enrolled text actually read from a LegiScan-hosted mirror, not an official Alaska-hosted copy. The effective status is officially supported; the enrolled-text content is mirror-supported; and the precise “Chapter 50, SLA 2026” locator remains discovery-level in this route because the official journal/status passage was not successfully opened. The kiosk limit remains confined to the transactions defined by that enactment and is not an Alaska debt-relief fee cap.
Corrected confidence:
- SB 249 effective October 1, 2026: high, based on the official regulator’s current operational statement.
- Specific enrolled-text clauses: high as to text read; qualified as to provenance, because the copy was a mirror.
- “Chapter 50, SLA 2026”: partial/held for primary passage authentication in this route.
2.2 SB 86
Corrected evidence treatment for PASS-01 S013
Enrolled text: The coordinator documented a fresh read of the LegiScan-hosted enrolled copy at pages 58–60. That read found:
- sections 1–65 and 75–78 assigned a July 1, 2027 effective date;
- separate immediate-effect treatment for section 79; and
- transition and other provisions that must not be flattened into a statement that every section of SB 86 takes effect July 1, 2027.
Direct mirror URL:
Plain text
https://legiscan.com/AK/text/SB86/id/3446455/Alaska-2025-SB86-Enrolled.pdf
That is a coordinator-documented mirror read supplied for PASS-02, not a fresh assistant claim that an official enrolled copy was opened.
Official chapter evidence: A readable official Alaska Legislative Finance document lists SB 86, Money Transmission; Virtual Currency, as Chapter 48, SLA 2026. This is actual official chapter corroboration, although that summary does not reproduce the bill’s section-by-section effective-date clauses. Legislative Finance
Official Legislative Finance URL:
Plain text
https://www.legfin.akleg.gov/Summary/FY2027SummaryOfAppropriations.pdf
Exact pinpoint:
Plain text
Page 16, SB 86 entry: “MONEY TRANSMISSION; VIRTUAL CURRENCY” — “Ch. 48, SLA 2026”
Journal/enactment-mechanism status: The official Senate Journal route surfaced in search with “Chapter 48, SLA 2026” and “Effective Date: See Chapter,” but the underlying page/PDF was not successfully opened. It is not used here to certify the enactment mechanism or individual effective-date clauses. Alaska State Legislature+1
Replacement for PASS-01 C026
S_AK-P1-C026 — REPLACED: SB 86 is officially corroborated as Chapter 48, SLA 2026. In the coordinator-read enrolled mirror, sections 1–65 and 75–78 are assigned a July 1, 2027 effective date, while section 79 receives separate immediate-effect treatment and the transition provisions must be kept distinct. PASS-01 may continue treating the broad replacement provisions relevant to its money-transmission analysis as future-effective rather than current on October 24, 2026, but the July 1, 2027 pinpoint derives from a mirror copy. The official journal passage establishing the enactment mechanism and reproducing the effective-date structure was not successfully opened.
Corrected confidence:
- Chapter 48, SLA 2026: high, official Legislative Finance corroboration.
- Broad replacement provisions treated as future-effective July 1, 2027: moderate-high, based on a documented enrolled-mirror read plus official chapter corroboration.
- Statement that the entire act takes effect July 1, 2027: incorrect and withdrawn.
- Exact journal enactment mechanism: held.
2.3 SB 252
Corrected evidence treatment for PASS-01 S014
Enrolled text: The coordinator documented a read of the LegiScan-hosted enrolled copy at pages 86–87, sections 185–186. Those provisions retain the seven-day service-refund wording and add the AS 45.36 cross-reference.
Direct mirror URL:
Plain text
https://legiscan.com/AK/text/SB252/id/3446477/Alaska-2025-SB252-Enrolled.pdf
The cited pages do not themselves establish a September 30, 2026 effective date.
Enactment and effective-date status: Official legislative search results surfaced a July 16, 2026 Senate Journal route displaying “Chapter 49, SLA 2026” and “Effective Date: 9/30/26.” The underlying official journal page and PDF were inaccessible in the public route. Under the required source hierarchy, the snippet is discovery only and cannot substitute for a successfully read chapter, journal, status, or current codification passage. Alaska State Legislature
No enactment-date/default-effective-date chain was successfully completed in PASS-02. The September 30, 2026 date must therefore be qualified rather than certified.
Replacement for PASS-01 C027
S_AK-P1-C027 — REPLACED: The coordinator-read SB 252 enrolled mirror shows that sections 185–186 retained the seven-day service-refund wording and added an AS 45.36 cross-reference. PASS-01’s substantive conclusion that the amendment did not eliminate or shorten the seven-day condition remains supported as a textual comparison. However, the assertion that the amendment became legally effective on September 30, 2026 is only discovery- and secondary-source-corroborated in this route; no successfully opened official enactment, chapter, journal, or default-effective-date chain was obtained. Chapter 49 and the September 30 date therefore remain partially authenticated, not certified.
This provenance correction does not change the PASS-01 refund example’s arithmetic because the seven-day wording appears in both the earlier provision and the coordinator-read amendment text. It changes only the confidence assigned to the amendment’s exact effective date.
Corrected confidence:
- Textual retention of seven days and addition of AS 45.36: high as to the mirror text, with mirror provenance expressly disclosed.
- Chapter 49, SLA 2026: partial.
- September 30, 2026 legal effective date: held pending readable primary enactment/currentness evidence.
3. Exact replacement: PASS-01 §3.2 money-transmission government-fee rows and C033
3.1 What the primary records actually establish
The official 2017 adoption order contains the following amounts in 3 AAC 13.840:
- application for an AS 06.55 license or AS 06.55.103 approval: $2,000 plus $200 for each additional location;
- annual renewal: $1,000;
- initial-license or first-year approval fee: $1,000 for the initial location, $200 for each additional physical location, and $1,000 for each additional Internet-based location;
- the initial/first-year fee is refundable when the application is denied, but nonrefundable when withdrawn or abandoned; and
- registry processing and other registry charges are additional. Alaska Department of Commerce
Official 2017 order URL:
Plain text
https://www.commerce.alaska.gov/web/portals/3/pub/JU2017200431.pdf
Exact pinpoint:
Plain text
PDF pages 10–12, 3 AAC 13.840(a), (d), and (g)–(i)
History: amendment effective November 22, 2017
The official 2023 filed order shows that the attached virtual-currency regulations were filed November 30, 2022 and became effective January 1, 2023. It describes the changes as adding virtual currency to regulated transmission. It does not state that every amount in 3 AAC 13.840 remained unchanged through October 24, 2026 and is not a current-fee certification. Alaska Department of Commerce+1
Official 2023 order URL:
Plain text
https://www.commerce.alaska.gov/web/Portals/3/pub/2022200373%203%20AAC%2013%20Virtual%20Currency%20Regs%20Final%20-%20Signed%20by%20Lt.%20Gov%20Eff%201-1-2023.pdf?ver=2022-12-01-104939-013
The September 30, 2025 official stakeholder notice was expressly a public-input/scoping notice before staff drafted or proposed regulatory changes. It said the Division was not then proposing a specific change and had no draft regulations prepared. It was not an adoption order and proves neither a fee change nor fee-rule nonsupersession through October 2026. Alaska Department of Commerce
Official 2025 notice URL:
Plain text
https://www.commerce.alaska.gov/web/Portals/3/pub/AO%20360%20DBS%20Stakeholder%20Meeting%20Notice%20-%20Money%20Services%209-30-2025.pdf?ver=SMJMUX1OEkhK2iUO-elEdA%3D%3D
The current DCCED money-services page directs applicants to NMLS licensing checklists, requirements, and fees. The public checklist compiler was reachable, but it did not expose a readable Alaska-specific generated checklist in this route. Therefore it did not independently authenticate the exact October 2026 amounts. Alaska Department of Commerce+1
Current official DCCED page:
Plain text
https://www.commerce.alaska.gov/web/dbs/ConsumerFinance/MoneyServiceBusinesses
NMLS checklist compiler:
Plain text
https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx
3.2 Replacement fee table
Replace only the affected money-transmission rows in PASS-01 §3.2 with:
| Governmental charge |
Amount actually established by readable primary authority |
Corrected currentness characterization |
| AS 06.55 license application or AS 06.55.103 approval application |
$2,000 + $200 for each additional location |
Officially adopted in the 2017 order. Exact October 24, 2026 current amount not fully authenticated from a readable current official rule or generated NMLS checklist. |
| Annual money-transmission renewal |
$1,000 |
Officially adopted in 2017; exact October 2026 current amount held. |
| Initial license or first-year AS 06.55.103 approval |
$1,000 initial location + $200 each additional physical location + $1,000 each additional Internet-based location |
Officially adopted in 2017; exact October 2026 current amount held. |
| Refund treatment for initial/first-year fee |
Refundable if the application is denied; nonrefundable if withdrawn or abandoned |
Officially adopted in 2017; exact current rule not independently authenticated. |
| NMLS or other registry charges |
Additional; amount not fixed in the 2017 Alaska rule |
Current registry amount remains variable and was not determined. |
The $50 business-license fee and $200 telephonic-campaign fee are untouched by this correction.
No evidence was found that the 2017 money-transmission amounts changed, were indexed, or were CPI-adjusted. Equally, the 2023 order and 2025 scoping notice are insufficient to prove that they remained legally unchanged through October 24, 2026. The correct result is an exact-current-amount hold, not an inference in either direction.
3.3 Replacement for PASS-01 C033
S_AK-P1-C033 — REPLACED: The listed money-transmission amounts are provider-side governmental charges officially adopted in 2017, not consumer debt-relief service-fee limits. Their classification as governmental rather than consumer charges is high confidence. Their precise October 24, 2026 current amounts are not fully authenticated from a readable current primary rule or generated official checklist and must be labeled “historically adopted; current exact amount held,” rather than “current verified.”
This correction does not disturb PASS-01 C015’s separate bounded finding concerning the absence of a located Alaska debt-relief-specific consumer fee schedule. That broader negative finding remains subject to all previously stated limitations.
4. Exact qualification: PASS-01 Example 5
Retitle PASS-01 Example 5 as:
Example 5 — Alaska telephonic pre-service refund/recovery illustration; not permission to collect an advance debt-relief fee
Add after the result:
This example assumes that a $300 payment in fact occurred and illustrates the refund or credit consequence under AS 45.63.030 if the transaction is covered, the written request is timely, and services have not been provided. It does not establish that the provider was legally permitted to request or receive the $300 when it did. When the federal TSR applies, the provider’s service fee must independently satisfy the TSR performance trigger. A state refund remedy cannot be converted into state authorization for an otherwise prohibited advance fee.
No arithmetic, day count, or result in the example is changed.
5. Corrected consequential claim table
Only the claims materially affected by PASS-02 are shown. All untouched PASS-01 claims remain as originally stated.
| PASS-02 claim ID |
Original target |
Corrected assertion |
Sources and provenance |
Status / confidence |
| S_AK-P2-C034 |
P1 C001–C003; §2.1 matrix |
No dedicated Alaska debt-relief licensing regime or express named prohibition was located, but that negative finding is not affirmative permission or a whole-law legality determination. |
P1 S001, S002, S007, S009, S019; corrected boundary analysis |
Resolved. Moderate-high bounded negative finding; no provider certification. |
| S_AK-P2-C035 |
P1 C025 / S012 |
Official DBS material verifies SB 249’s October 1, 2026 effective date. Specific amendment text remains sourced to the enrolled mirror read in P1. “Chapter 50” was not authenticated through an opened official journal/status passage in PASS-02. |
P1 S012; P2 S020; failed-route record P2 S024. Alaska Department of Commerce+1 |
Effective status resolved; chapter locator partial. |
| S_AK-P2-C036 |
P1 C026 / S013 |
Official Legislative Finance material corroborates SB 86 as Chapter 48, SLA 2026. The coordinator-read mirror assigns July 1, 2027 to sections 1–65 and 75–78 and separate immediate-effect treatment to §79; the whole act must not be assigned one effective date. |
P1 S013; P2 S021. Legislative Finance |
Chapter resolved; effective-date text mirror-supported; journal mechanism held. |
| S_AK-P2-C037 |
P1 C027 / S014 |
The coordinator-read SB 252 mirror retains the seven-day wording and adds AS 45.36. Chapter 49 and September 30, 2026 were surfaced by official search results but not verified through an opened primary passage. |
P1 S014; P2 S024. Alaska State Legislature |
Text comparison resolved; exact enactment/effective date partial. |
| S_AK-P2-C038 |
P1 C033 / S010 |
The precise money-transmission fee amounts were officially adopted in 2017, but no readable current primary rule or Alaska-specific generated NMLS checklist was obtained to authenticate those amounts as current on October 24, 2026. |
P1 S010; P1 S011; P2 S022–S023. Alaska Department of Commerce+1 |
Historical adoption high; current exact amount held. |
| S_AK-P2-C039 |
P1 C033 |
Whether or not the historical amounts remain unchanged, they are governmental provider charges and not Alaska consumer debt-relief fee ceilings. |
3 AAC 13.840 adoption order. Alaska Department of Commerce |
Resolved; high confidence. |
| S_AK-P2-C040 |
P1 C012, C021; Example 5 |
The $300 example illustrates a refund/recovery consequence after payment; it does not authorize collection of an upfront fee, and the federal TSR trigger remains independently applicable when covered. |
P1 S003 and S016; correction is a legal-boundary clarification |
Resolved. |
6. Full PASS-02 source table
This is the complete source table for the bounded correction. Unchanged PASS-01 S001–S009 and S015–S019 are not reprinted.
| Source ID |
Title, issuer, and direct literal URL |
Actual read / provenance and pinpoint |
Version or legal-status use |
Limitations |
| S_AK-P1-S010 — amended characterization |
Alaska DCCED adoption order, https://www.commerce.alaska.gov/web/portals/3/pub/JU2017200431.pdf |
Freshly read official PDF pages 10–12. 3 AAC 13.840 states the $2,000 application, $200 additional-location, $1,000 renewal, initial-location, physical-location, Internet-location, refund, and registry provisions. Alaska Department of Commerce |
Primary evidence of amounts adopted in 2017. |
Not by itself proof that the amounts remained unchanged through October 24, 2026. |
| S_AK-P1-S010 — 2023 component |
Filed permanent virtual-currency regulations, Alaska Lieutenant Governor/DCCED, https://www.commerce.alaska.gov/web/Portals/3/pub/2022200373%203%20AAC%2013%20Virtual%20Currency%20Regs%20Final%20-%20Signed%20by%20Lt.%20Gov%20Eff%201-1-2023.pdf?ver=2022-12-01-104939-013 |
Freshly read and visually inspected PDF pages 0–1. Filed November 30, 2022; effective January 1, 2023; order describes adding virtual currency to regulated transmission. Alaska Department of Commerce+1 |
Primary evidence of the 2023 virtual-currency adoption. |
Does not certify current 3 AAC 13.840 fee amounts. |
| S_AK-P1-S011 — amended characterization |
Money Service Businesses, Alaska Division of Banking and Securities, https://www.commerce.alaska.gov/web/dbs/ConsumerFinance/MoneyServiceBusinesses |
Freshly read official current page. It directs licensing activity to NMLS and links licensing checklists, requirements, and fees. Alaska Department of Commerce |
Current official procedure source. |
The linked compiler did not expose a readable Alaska-specific checklist in this route. |
| S_AK-P1-S012 — amended |
SB 249 enrolled copy hosted by LegiScan, https://legiscan.com/AK/text/SB249/id/3447234/Alaska-2025-SB249-Enrolled.pdf |
Actually read in PASS-01. The coordinator’s later route could not retrieve either this mirror or the linked official PDF. Earlier reads remain attributed to PASS-01. |
Enrolled-text evidence from a mirror, not official enactment/currentness evidence. |
Chapter number not authenticated from an opened official status or journal passage in PASS-02. |
| S_AK-P1-S013 — amended |
SB 86 enrolled copy hosted by LegiScan, https://legiscan.com/AK/text/SB86/id/3446455/Alaska-2025-SB86-Enrolled.pdf |
Coordinator-documented read supplied in the PASS-02 instruction: pp. 58–60, July 1, 2027 treatment for §§1–65 and 75–78, separate immediate treatment for §79, and transition provisions. |
Mirror text used for section-level effective-date content. |
Not an official Alaska-hosted copy; assistant does not recast the coordinator read as a fresh independent read. |
| S_AK-P1-S014 — amended |
SB 252 enrolled copy hosted by LegiScan, https://legiscan.com/AK/text/SB252/id/3446477/Alaska-2025-SB252-Enrolled.pdf |
Coordinator-documented read supplied in the instruction: pp. 86–87, §§185–186, seven-day wording retained and AS 45.36 added. |
Mirror text used for amendment comparison. |
Those pages do not establish the enactment date or September 30 effective date. |
| S_AK-P2-S020 |
Alaska Division of Banking and Securities homepage, https://www.commerce.alaska.gov/web/dbs/ |
Freshly read official passage under “Changes to Alaska Uniform Money Services Act, AS 06.55”: SB 249 effective October 1, 2026. Alaska Department of Commerce |
Official agency evidence of SB 249 effective status. |
Does not itself reproduce the enrolled amendments or certify the chapter number. |
| S_AK-P2-S021 |
FY2027 Summary of Appropriations, Alaska Legislative Finance Division, https://www.legfin.akleg.gov/Summary/FY2027SummaryOfAppropriations.pdf |
Freshly read and visually inspected official PDF page 16: SB 86, Money Transmission; Virtual Currency, “Ch. 48, SLA 2026.” Legislative Finance |
Official corroboration that SB 86 became Chapter 48, SLA 2026. |
Does not reproduce section-specific effective dates or enactment mechanism. |
| S_AK-P2-S022 |
Money-services regulatory stakeholder notice, Alaska DCCED, https://www.commerce.alaska.gov/web/Portals/3/pub/AO%20360%20DBS%20Stakeholder%20Meeting%20Notice%20-%20Money%20Services%209-30-2025.pdf?ver=SMJMUX1OEkhK2iUO-elEdA%3D%3D |
Freshly read and visually inspected official PDF pp. 0–1. The agency was soliciting input before drafting/proposing changes and said no specific proposal or draft existed. Alaska Department of Commerce |
Evidence that the notice itself was scoping, not enacted regulation. |
Cannot establish whether another later rule changed or retained the fees. |
| S_AK-P2-S023 |
NMLS Licensing Checklists, Requirements, and Fees, https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx |
Current landing page was located; it advertises downloadable requirements/fee material and a checklist compiler. The dynamic route did not expose a readable Alaska-specific generated checklist. Nationwide Licensing System |
Operational discovery route. |
No precise Alaska fee was authenticated from it. |
| S_AK-P2-S024 — failed/discovery route record |
Official Alaska Legislature routes: https://www.akleg.gov/PDF/34/Bills/SB0249Z.PDF; https://www.akleg.gov/PDF/34/Bills/SB0086Z.PDF; https://www.akleg.gov/PDF/34/Bills/SB0252Z.PDF; https://www.akleg.gov/basis/Journal/Pages/34?Bill=SB+249&Chamber=S&Page=03176; https://www.akleg.gov/basis/Journal/Pages/34?Bill=SB++86&Chamber=S&Page=03175; https://www.akleg.gov/basis/Journal/Pages/34?Bill=SB+252&Chamber=S&Page=03176; https://www.akleg.gov/pdf/34/J/S2026-07-16.PDF |
Search results exposed relevant chapter/effective-date text, but the target pages/PDFs were not successfully opened in the public route. They were not repeatedly retried after the access failure. Alaska State Legislature+3 |
Discovery and failed-route record only. |
Search-result text was not used as a substitute for an opened official passage. |
7. Corrected PASS-01 coverage row
Replace the original “2026 statutory updates” row with:
| Component |
Corrected status |
Corrected finding |
Exact remaining evidence / next action |
| 2026 statutory updates affecting this component |
Partial, act-specific |
SB 249: official DBS evidence resolves October 1, 2026 effective status; specific amendment text remains mirror-sourced; chapter number is not authenticated through an opened official journal/status passage. SB 86: official Legislative Finance evidence resolves Chapter 48; future-effective section structure comes from the coordinator-read enrolled mirror and must preserve §79’s separate treatment. SB 252: amendment wording is resolved from the coordinator-read mirror, but Chapter 49 and September 30, 2026 currentness remain only discovery/secondary corroborated. |
Obtain readable official chapter/session-law, journal/status, or current codification passages for SB 249’s chapter locator, SB 86’s exact effective-date/enactment chain, and SB 252’s chapter and September 30 date. Do not use search snippets as substitutes. |
8. Correction coverage and disposition
| Correction issue |
Disposition |
What PASS-02 resolves |
What remains held |
| SB 249 enrolled text versus currentness |
Resolved with split provenance |
Mirror supplies enrolled text; official DBS supplies October 1, 2026 effective status. |
Opened official Chapter 50/status/journal passage. |
| SB 86 chapter and effective-date structure |
Partially resolved |
Official source verifies Chapter 48; coordinator-read mirror verifies relevant future-effective text and separate §79 treatment. |
Readable official chapter/journal text reproducing the effective-date clauses and enactment mechanism. |
| SB 252 amendment content |
Resolved as text comparison |
Seven-day wording retained; AS 45.36 added. |
Officially opened Chapter 49/enactment/currentness chain and exact September 30 basis. |
| PASS-01 C025 |
Replaced |
Effective status and mirror text are no longer conflated. |
Chapter-number authentication. |
| PASS-01 C026 |
Replaced |
“Broad replacement future July 1, 2027” retained with section and provenance qualifications. |
Official effective-date passage. |
| PASS-01 C027 |
Replaced |
Textual amendment conclusion retained; exact effective date downgraded. |
Primary enactment/default-date chain. |
| Money-transmission governmental fees |
Partial |
Exact 2017 officially adopted amounts and refund treatment established. |
Readable current 3 AAC 13.840 or Alaska-specific current official NMLS checklist proving exact October 2026 amounts. |
| 2023 virtual-currency order |
Resolved as noncurrentness proof |
It is not treated as certification of the fee schedule. |
None beyond the general current-fee hold. |
| 2025 stakeholder notice |
Resolved as non-enactment |
It was scoping before proposal, not an adopted fee amendment. |
Any later proposal or adoption after the notice. |
| Noncustodial access-matrix phrase |
Resolved |
Replaced with bounded no-dedicated-regime/prohibition-located language. |
Whole-law legality remains provider- and fact-specific. |
| $300 refund example |
Resolved |
Expressly labeled a recovery illustration, not upfront-fee permission. |
Provider-specific contract, TSR coverage, payment, and performance evidence. |
| Other eight examples |
Unchanged |
No recalculation or rerun. |
All original assumptions and open issues remain. |
| Named-provider authorization, current NMLS status, delegate status, contracts, funds, bonds, fee-cap negative finding, complete current AS 06.55/45.63 amendment reconciliation, cases, sectors, local and tribal law |
Expressly held / outside PASS-02 |
Nothing in this correction resolves or implies acceptance of those areas. |
All evidence and investigations identified in PASS-01 remain required. |
9. Replacement overall-confidence statement
Replace only the affected portions of PASS-01’s overall-confidence section with:
- High: The official Alaska Division of Banking and Securities states that SB 249 became effective October 1, 2026. This supports current application on October 24, 2026, but does not authenticate every enrolled-text clause or the chapter number. Alaska Department of Commerce
- High: Official Alaska Legislative Finance material corroborates SB 86 as Chapter 48, SLA 2026. Legislative Finance
- Moderate-high with disclosed mirror provenance: The SB 86 provisions material to the broad money-transmission replacement are future-effective July 1, 2027, while §79 receives separate treatment. The exact section-level date text was read from an enrolled mirror, not an opened official copy.
- Partial/held: SB 252’s Chapter 49 and September 30, 2026 effective date were not authenticated through an opened primary passage. The mirror text comparison concerning the seven-day wording remains usable, but exact currentness is downgraded.
- High historical / partial current: The money-transmission fee amounts were officially adopted in 2017. Their exact October 24, 2026 current status was not fully authenticated from a readable current primary rule or generated official checklist.
- Moderate-high, bounded: No dedicated Alaska debt-relief licensing regime, express named prohibition, or debt-relief-specific numerical consumer-fee schedule was located. None of those negative findings constitutes affirmative permission, provider authorization, or a whole-Alaska-law conclusion.
10. Researcher self-check
Freshly read in PASS-02
- The official Alaska Division of Banking and Securities homepage and its SB 249 effective-date statement.
- The official Alaska Legislative Finance FY2027 Summary of Appropriations, including the SB 86 / Chapter 48 entry.
- The official 2017 3 AAC 13.840 adoption order, including PDF pages 10–12.
- The official 2023 virtual-currency filed order, including its filing/effective-date page and adoption page.
- The official September 30, 2025 money-services stakeholder/scoping notice.
- The current official Alaska money-services licensing page and its NMLS procedure link.
- The public NMLS checklist-compiler landing route.
The material PDF pages were visually inspected; they were not treated as title-only results.
Attributed coordinator reads, not recast as fresh assistant reads
- SB 86 LegiScan-hosted enrolled copy, pages 58–60.
- SB 252 LegiScan-hosted enrolled copy, pages 86–87.
- The coordinator’s inability to retrieve the SB 249 official and mirror PDFs in its route.
- The coordinator’s complete PASS-01 read and recomputation of the 20 quantities.
Not successfully read or not established
- The official Alaska-hosted enrolled copies of SB 249, SB 86, and SB 252.
- The official July 16, 2026 journal/status passages underlying the search results.
- A readable official chapter/session-law document establishing SB 249 as Chapter 50.
- A readable official enactment/default-date chain establishing SB 252’s September 30, 2026 effective date.
- A readable current official 3 AAC 13.840 or generated Alaska NMLS checklist authenticating the precise money-transmission government fees as of October 24, 2026.
- Any named provider’s current NMLS, authorized-delegate, business-license, telephonic-campaign, collection-license, contract, client-fund, or exemption status.
No search snippet was converted into legal currentness. No inaccessible route was repeatedly retried after the consistent access failure. No application was filed, no regulator or provider was contacted, no account or permission was changed, and no private borrower data, other chat, browser tab, site, or publication workflow was used.
This is a bounded same-coordinator correction, not an independent review, publication-readiness determination, full Alaska acceptance, parent-project acceptance, or A066 acceptance.
END S_AK PASS-02.