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DETAILED RESEARCH · EVIDENCE & LIMITS INCLUDED

Provider agreements, disclosures, consumer authority, electronic delivery, cancellation, and contract failure

S_DC · pass-04Captured 2026-10-2711 tables · 58 claim records · 18 source recordsScoped coordinator review completed

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S_DC — PASS-04

Provider agreements, disclosures, consumer authority, electronic delivery, cancellation, and contract failure

Actual source-check date: October 27, 2026, Pacific. Research method: Public statutes, regulations, official interpretations, final rulemaking, and published judicial opinions. Disposition: Substantial statutory findings established; application to an actual provider, agreement, authorization, electronic workflow, or refund remains conditional.

The principal distinction is that a signed provider agreement, authority to negotiate, authority to accept a creditor’s settlement, payment authorization, electronic-delivery consent, and waiver of rights are different legal questions. No single checkbox, power-of-attorney label, or enrollment payment establishes all of them.

Two particularly important findings are:

A valid state-law power of attorney can authorize specified settlement activity, but the FTC’s debt-relief rulemaking expressly rejects using a blanket power of attorney as a substitute for the customer’s execution of the specific creditor agreement when satisfying the TSR’s fee-earning condition. D.C. Law Library+1
D.C. Code § 28-4606 does not declare every noncompliant CCSO agreement automatically void. Conditional federal CROA coverage produces a different result: 15 U.S.C. § 1679f(c) expressly makes a noncompliant covered contract void and unenforceable. D.C. Law Library+1

No current agency-prescribed CCSO agreement or administrative cancellation form is established by this pass. The P03 application, public-category, and implementing-rule gaps remain open.

1. Scope, applicability, and source conventions

This report assumes coverage only when the actual statutory predicates are satisfied. The supplied reviewed foundation remains conditional concerning personal versus business purposes, mixed debts, remote-provider nexus, and actor-specific exclusions. An actual § 501(c)(3) organization, a qualifying D.C.-licensed attorney acting within the practice of law, and other listed institutions require their own exclusion analysis; the claimant bears the Chapter 46 exemption burden. An exclusion under one law does not establish an exclusion under another. D.C. Law Library+1

Source and claim references: S001 below means S_DC-P4-S001; C001 means S_DC-P4-C001. Full IDs appear in the registers.

Fresh versus carried forward: The statutory provisions and selected opinion passages identified in the source register were freshly read. P03’s unresolved form/procedure/rule findings are carried forward as supplied; their failed routes were not rerun. Historical enforcement complaints, releases, consent decrees, and the earlier Chen opinion were not used to establish new merits propositions.

Date limitation: Access date, publication currency, enactment date, effective date, and a judicial decision date are kept separate. No original P02 source is blanket-redated.

2. D.C. agreement requirements and documentary audit worksheet

2.1 The governing sequence

For a covered CCSO transaction, § 28-4605(a) requires the information statement before the earlier of contract execution or receipt of money or other valuable consideration. It also requires retention for three years of the consumer-signed acknowledgment of receipt. The later agreement must be written, dated, and signed by the consumer; the cancellation notice must accompany it; the consumer must receive the listed documents. D.C. Law Library

The following is an audit worksheet, not contract language or a ready-to-sign form. “Proof” identifies a generic documentary category; no actual records are requested or reviewed.

Mandatory Chapter 46 document checks

Audit item	Requirement and exact authority	Generic proof needed	Failure or unresolved point
D01 — Precontract sequence	Information statement before the earlier event specified in § 28-4605(a).	Version of statement; evidence of delivery; execution and payment-event sequence.	A disclosure delivered after signing or payment does not satisfy the stated sequence merely because it is later acknowledged.
D02 — Receipt acknowledgment	Consumer-signed acknowledgment retained three years, § 4605(a).	Signed acknowledgment tied to the delivered statement; retention record.	A generic “terms accepted” record may not identify the required statement.
D03 — File-inspection rights	Complete and accurate explanation of the right to review the consumer-reporting agency’s file under FCRA, § 4605(b)(1).	Disclosure text and version.	A misleading statement of federal rights fails the accuracy requirement.
D04 — D.C.’s 30-day wording	Statement addressing free file review requested within 30 days after credit-denial notice, § 4605(b)(2).	Required state content plus accurate explanation of current federal rights.	Federal § 1681j(b) supplies a 60-day adverse-action request period. Do not represent the federal right as expiring at day 30.
D05 — Provider’s review charge	Approximate amount the CCSO will charge for reviewing the file outside the stated 30-day circumstance, § 4605(b)(3).	Accurate description of the provider’s proposed charge, if relevant.	This is not a statutory consumer-fee ceiling or necessarily a CRA charge. No amount is invented here.
D06 — Provider-maintained file disputes	Right to dispute accuracy or completeness of a file maintained by the CCSO, as allowed by applicable law, § 4605(b)(4).	Disclosure retaining the actual statutory subject.	The statute says CCSO here; it should not silently be rewritten as CRA.
D07 — Services and total charge	Complete, detailed services description and total amount charged, § 4605(b)(5).	Defined deliverables and complete compensation terms.	“Debt relief services” alone may omit the required detail. An unknown fee formula is not approved by this report.
D08 — Security recovery right	Statement of the consumer’s right to recover under Chapter 46 bond/trust security, § 4605(b)(6).	Accurate description of applicable security and recovery right.	The relationship between this unconditional disclosure wording and § 4604’s pre-completion-payment security branch remains unresolved for a provider claiming no security obligation.
D09 — Security identifiers	Trust depository/trustee names and addresses and account number, or surety name/address, bond account number and date, § 4605(b)(7).	Correct security information for the legally applicable branch.	Do not fabricate identifiers or substitute a consumer savings account for provider security. No automatic “not applicable” exception was authenticated.
D10 — Direct CRA dispute right	Right to dispute directly with the CRA under FCRA, § 4605(b)(8).	Required statement.	Paid assistance cannot be described as the consumer’s only dispute route.
D11 — Agreement execution	Agreement in writing, dated, and signed by consumer, § 4605(c).	Complete executed version; signature attribution and date.	A telephone sales conversation alone is not the required written agreement. Electronic equivalence requires the separate analysis below.
D12 — All payment terms	Terms and total of all payments, including payments to the CCSO or another person, § 4605(c)(1).	Complete payment schedule and recipient categories.	No published authority was authenticated allowing an unidentified estimate to replace the statutory total where future creditor terms are unknown.
D13 — Specific services	Detailed services, including specific detrimental credit information proposed to be remedied, § 4605(c)(2)(A).	Accurate service scope and relevant credit-information description.	Applying this credit-repair-oriented wording to negotiation-only services requires care; no administrative adaptation was verified.
D14 — Refund promises	Any full or partial refund guarantee or promise, § 4605(c)(2)(B).	Exact promise and conditions.	A contractual promise may supplement statutory rights; it cannot silently eliminate them.
D15 — Estimated completion	Estimated completion date or necessary duration, § 4605(c)(2)(C).	Stated estimate and its basis.	This requirement does not define when services are legally “completed” or fees earned.
D16 — Business/agent information	Principal business address and registered agent’s name/address for service of process, § 4605(c)(3).	Accurate contract information.	The registered agent’s litigation role does not automatically make that person the exclusive cancellation recipient.
D17 — Cancellation right	Accompanying notice of cancellation within five calendar days of signing, § 4605(d)(1).	Notice delivered with contract; execution event.	Do not substitute five business days, five days after payment, or five days after email opening.
D18 — Cancellation method	Personal delivery of a signed, dated notice, or sending cancellation by certified mail, return receipt requested, to the CCSO, § 4605(d)(2).	Notice content; delivery or mailing evidence; usable recipient information.	Ordinary email is not automatically the statutory equivalent. The electronic-law interaction is discussed below.
D19 — Reimbursement notice	Notice that reimbursement is due within 10 days of receipt of cancellation notice, § 4605(d)(3).	Receipt event and reimbursement documentation.	The section does not supply a complete amount calculation or expressly call these business days.
D20 — Consumer copies	Information statement, contract, disclosure statement, cancellation notice, and other required documents, § 4605(e).	Copies of the versions actually delivered and evidence of accessibility.	Do not assume one undifferentiated enrollment page satisfies every named document requirement.

Authority for D01–D20: S001, § 28-4605(a)–(e); D04 additionally S009, 15 U.S.C. § 1681j(b). D.C. Law Library+1

2.2 Three unresolved drafting issues must remain visible

First, the 30-day/60-day mismatch. D.C.’s older disclosure text still refers to 30 days; current FCRA text provides the specified free disclosure following an adverse-action notification when requested within 60 days. A disclosure should not falsely describe the federal right as ending sooner. This report does not approve a rewritten statutory form or resolve every possible reconciliation method. D.C. Law Library+1

Second, security disclosures versus the conditional security obligation. Section 4605(b)(6)–(7) contains security-disclosure requirements, while § 4604 imposes its security condition on receipt of money before completion. No authenticated rule or published opinion found in this pass supplies a universal omission or “not applicable” instruction for a post-completion-only arrangement. D.C. Law Library+1

Third, statutory content is not an agency-approved form. Section 4605 specifies required contents and a cancellation notice, but does not reproduce a complete prescribed contract. Section 4608’s rulemaking provisions do not establish that an identified current administrative form has been adopted. P03’s form/rule gap remains unchanged. D.C. Law Library+1

3. Consumer authorization is not one indivisible permission

3.1 Separate authority matrix

Act	Necessary authority or consent	What does not establish it automatically
Advise or negotiate	Actual engagement scope; any agency authority granted; applicable professional and consumer law.	Registration, a marketing label, or possession of consumer records.
Bind the consumer to a creditor agreement	Consumer’s own assent, or valid state-law agency authority within its scope; creditor assent and applicable contract formalities.	Permission merely to discuss options or request an offer.
Satisfy the TSR’s customer-execution fee condition	Customer execution of the specific qualifying creditor agreement, where § 310.4(a)(5) applies.	Blanket advance approval, acceptance thresholds, or provider execution under a power of attorney.
Make a creditor payment	Applicable account/payment authority and the creditor agreement’s payment terms.	A provider’s authority to negotiate or quote a settlement.
Debit a consumer account repeatedly	For covered preauthorized EFTs, signed or similarly authenticated written authorization by the consumer and a copy furnished to the consumer.	Oral permission given to a merchant alone, an unrelated service signature, or general data-sharing consent.
Obtain a consumer report	A permissible FCRA purpose, including qualifying written consumer instructions where relied upon, and required certification.	A contract clause saying the provider may obtain “anything.”
Share confidential legal-client information	Applicable Rule 1.6 consent, implied authorization, or a specific exception.	Attorney affiliation or an unrestricted commercial release.
Waive statutory rights or select dispute procedures	An enforceable provision that survives applicable nonwaiver, contract, and federal arbitration rules.	General consent to services or a broad power-of-attorney caption.

The governing sources are D.C.’s Power of Attorney Act, Regulation E, FCRA, D.C. professional-conduct rules, and the TSR—not a single universal authorization rule. D.C. Law Library+4

3.2 When a document is a power of attorney

D.C.’s current Act defines a power of attorney by the authority granted in a record, not simply its title. An ordinary service agreement is not necessarily a power of attorney; an embedded authorization to act in the consumer’s place may require that analysis.

For an instrument executed under the current D.C. Act, § 21-2601.05 requires signature and acknowledgment before a notary or another authorized acknowledgment officer. A routine click does not independently satisfy that requirement. Earlier instruments, instruments executed outside D.C., military powers, and excluded categories have separate validity provisions. D.C. Law Library+2

Electronic notarization is not categorically barred: UETA § 28-4910 recognizes an electronic acknowledgment when the authorized person’s electronic signature and required information are associated with the record. That does not dispense with the applicable acknowledgment requirements or establish compliance with remote-notarization law, which was not comprehensively investigated here. D.C. Law Library

A properly scoped power can include settlement or claims authority under § 21-2602.12, and banking authority under § 21-2602.08 can include substantial account powers unless limited. Those state-law powers are not substitutes for independently applicable federal consumer authorization requirements. D.C. Law Library+1

3.3 The TSR’s specific-agreement requirement is narrower than general agency authority

The FTC’s final-rule discussion at 75 Fed. Reg. 48489 explains that customer execution may be oral or written where the agreement is otherwise legally valid. But the customer must execute the particular agreement; the provider cannot satisfy this requirement through blanket advance consent or execution using a power of attorney. This is a fee-condition interpretation, not a declaration that all state-law agency settlements are invalid. GovInfo

The current rule independently requires the customer’s payment pursuant to that agreement and compliance with the allocation condition in § 310.4(a)(5)(i)(C). The final rule distinguishes a bona fide installment settlement from a creditor’s required lump sum: a provider cannot manufacture the payment trigger by treating a fraction of a required lump sum as an installment. Its DMP discussion likewise depends on binding creditor agreements, customer execution, and the applicable payment arrangement—not merely enrollment or a deposit into savings. eCFR+1

3.4 Debit and records authorizations

Regulation E’s recurring-debit rule applies to covered consumer accounts and transfers authorized in advance to recur at substantially regular intervals. The authorization must be written and signed or similarly authenticated by the consumer; a copy must be provided. A consumer can separately stop a scheduled preauthorized transfer through the financial institution under § 1005.10(c). Stopping a debit does not itself determine the remaining contractual debt. One-time payments require their own analysis and should not be mislabeled recurring transfers. Consumer Financial Protection Bureau+2

FCRA permits obtaining a consumer report under specified purposes, including written instructions from the consumer. Section 1681b(f) separately restricts obtaining or using reports without an authorized purpose and certification. This does not supply blanket permission for all collection, redisclosure, medical information, or unrelated records. US Code+1

For lawyers, Rule 1.2 reserves settlement decisions to the client, and Rule 1.6 supplies confidentiality rules and exceptions. These are not displaced merely because the lawyer is outside the CCSO definition. DC Bar+1

4. Electronic formation, delivery, and retention

4.1 Electronic equivalence does not establish agreement

D.C. UETA applies to covered transactions when the parties agree to conduct them electronically, assessed from context and conduct. It recognizes electronic records and signatures but preserves other substantive law. Attribution requires evidence that the act was the relevant person’s act; a stored timestamp alone does not resolve identity, intent, authority, or the contents accepted. UETA also has exclusions, including specified testamentary and UCC matters. D.C. Law Library+3

The D.C. Circuit’s published Walker v. Uber Technologies opinion illustrates the distinction between receiving a message and assenting to a contract. It affirmed denial of arbitration where the guest rider lacked the required notice of the alleged contractual terms. The court expressly acknowledged that D.C.’s highest court had not resolved whether inquiry notice alone sufficed, and assumed that issue without deciding it. It is not a universal rule that every unread electronic contract fails. D.C. Circuit Court+2

4.2 Delivery must remain retainable and satisfy applicable method requirements

Under § 28-4907, a required electronic record must be capable of retention at receipt; inhibiting printing or storage matters. Requirements for specified delivery methods and formats are not simply erased. Section 28-4911 separately addresses accurate, accessible retention. D.C. Law Library+1

This is material to D.C.’s certified-mail cancellation language. UETA alone does not establish that ordinary email replaces the specified method. E-SIGN also preserves important requirements concerning delivery verification, while § 7002 addresses state UETA laws and limits circumvention of federal electronic-signature rules. No controlling published decision was authenticated here resolving the precise interaction for § 28-4605(d)(2). Accordingly, neither “email always suffices” nor “electronic cancellation can never work” is established. D.C. Law Library+2

4.3 Receipt is a factual and legal event—not automatically a send timestamp

UETA § 28-4914 addresses entry into a designated or used information-processing system in a processable, retrievable form. Receipt can occur without human awareness, but system designation, accessibility, processing, contrary agreement, and known transmission failure matter. An electronic acknowledgment does not by itself prove that the content received matches the content sent. D.C. Law Library

A notice audit therefore needs the delivered content, recipient system, applicable agreed channel, transmission result, and receipt evidence. Merely showing that a provider pressed “send” is not enough to resolve every statutory delivery or receipt condition.

4.4 Conditional E-SIGN consumer-consent requirements

For covered legally required consumer writings, § 7001(c) addresses affirmative electronic consent and advance disclosure of:

paper alternatives and withdrawal conditions;
the scope of consent and withdrawal/contact-update procedures;
paper-copy availability and any fees;
hardware/software requirements and an electronic demonstration of access.

Material technology changes can require additional disclosures and renewed consent. Withdrawal operates prospectively after the specified reasonable implementation period; it does not automatically invalidate previously compliant electronic records. Section 7001(d) addresses accurate, accessible retention. US Code

Two limits are important. First, § 7002’s treatment of state UETA enactments means the interaction cannot be reduced to “every state writing always follows exactly the same federal consent route.” Second, § 7001(c)(3)’s limited protection against invalidity for a particular electronic-confirmation failure is not a blanket cure for missing consent, missing terms, or defective delivery. E-SIGN’s statutory exclusions—including specified court and sensitive default/termination notices—also remain relevant where a transaction moves outside the ordinary service-agreement setting. US Code+2

Conditional electronic-document audit additions

Audit item	Authority	Generic proof needed
E01 — Electronic-transaction agreement	UETA §§ 28-4904, 4908	Agreed scope/channel; identity and intent evidence.
E02 — Accessible delivery	§§ 28-4907, 4911	Consumer-retainable version; no storage/printing inhibition; accessible retained record.
E03 — Required method	§ 28-4907; E-SIGN §§ 7001(c)(2), 7002	Analysis of the particular notice’s method and verification requirements.
E04 — Consumer e-consent	E-SIGN § 7001(c), where applicable	Consent disclosures, affirmative consent, access demonstration, scope, withdrawal/change records.
E05 — Receipt	§ 28-4914	Destination/system evidence, transmission result, retrievability, and notice content.
E06 — Electronic acknowledgment	§ 28-4910; POA § 21-2601.05	Authorized acknowledgment officer’s electronic act and required information—not just consumer click evidence.

5. Cancellation, service-start, payment, and return-of-funds clocks

5.1 The clocks cannot be merged

Law and predicate	Trigger and operative period	Required act or consequence	Important boundary
D.C. CCSOA cancellation	Within five calendar days of signing, § 4605(d)(1).	Accompanying cancellation notice; method in subsection (d)(2).	Not five business days and not triggered by first payment.
D.C. reimbursement	Within 10 days of receipt of cancellation notice, § 4605(d)(3).	Consumer entitled to reimbursement.	Text does not provide a complete refund calculation, define “completion,” or expressly call these business days.
CROA service-start restriction, if covered	No services before a compliant contract and expiration of the three-business-day period beginning on the date signed, § 1679d(a).	Delay service performance as required.	A waiting period is not authorization to collect an advance fee.
CROA cancellation, if covered	Before midnight of the third business day beginning after execution, or after the event that would make the contract enforceable but for the provision, § 1679e(a).	Cancellation without penalty or obligation.	The trigger wording differs from § 1679d(a).
TSR qualifying account withdrawal, if covered	Consumer must receive owned funds, less qualifying earned fees, within seven business days of the request, § 310.4(a)(5)(ii)(E).	Withdrawal from the service without penalty; timely receipt of funds.	Not merely transfer initiation; not a general seven-day refund of every category of money.
Regulation E stop-payment, if applicable	Notice to financial institution at least three business days before scheduled preauthorized transfer, § 1005.10(c).	Financial-institution stop-payment obligation; permitted written-confirmation procedure.	Separate from canceling the provider contract or creditor agreement.

Authorities: S001, S005, S006, and S008. D.C. Law Library+4

No calendar dates are calculated. The relevant business-day definitions, holidays, cutoff rules, and any unsettled method issue must be resolved before calculating an actual deadline. Five calendar days cannot simply be assumed always longer than three business days.

5.2 CROA has additional document requirements

CROA coverage depends on its own definition and exclusions. Paid express or implied credit-improvement representations can bring services within the Act; qualifying nonprofits, own-creditor restructuring, and specified financial institutions have exclusions. There is no general attorney exclusion matching D.C.’s attorney clause. US Code

Where CROA applies:

Audit item	Required document or condition	Exact authority
F01	Separate statutory consumer-credit-file-rights disclosure before contract execution.	§ 1679c(a)–(b).
F02	Consumer acknowledgment retained two years after signature. This is distinct from D.C.’s three-year acknowledgment requirement.	§ 1679c(b).
F03	Written, dated, consumer-signed contract containing payment terms, detailed services/guarantees and timing, and organization identification.	§ 1679d(a)–(b).
F04	Conspicuous statutory cancellation statement adjacent to the signature space.	§ 1679d(b)(4).
F05	Duplicate cancellation form containing the statutory notice and organization/deadline information.	§ 1679e(b).
F06	At signing, completed contract, disclosure, and other signed-document copies.	§ 1679e(c).
F07	No charge or receipt before full performance of the agreed service.	§ 1679b(b).

These are conditional federal requirements; a D.C. bond or passage of a waiting period does not excuse them. US Code+3

Statutory wording mismatch: Section 1679e(a) uses business days, but the prescribed form text in § 1679e(b) says “third day” in the relevant sentence. That drafting discrepancy does not justify shortening the operative cancellation right to three calendar days. This report neither fills in a deadline nor approves a modified statutory form. US Code

5.3 TSR coverage and disclosures remain transaction-specific

The TSR applies to qualifying telemarketing, not automatically to every website transaction. Certain inbound advertising and direct-mail exemptions do not protect the listed debt-relief calls; the face-to-face exception has its own predicates and limitations. A web-only transaction cannot be classified without the actual sales process. eCFR+1

For covered debt-relief sales, § 310.3 requires disclosures before consent to pay, including applicable costs, material restrictions and refund terms, plus debt-relief timing, required accumulation, nonpayment risks where applicable, and qualifying-account ownership/withdrawal information. Separate credit-repair representations can invoke § 310.4(a)(2), which is not the same rule as CROA’s service-start period. eCFR+1

The seven-business-day account rule permits subtraction only of fees earned under all of § 310.4(a)(5)(i)(A)–(C). Even satisfying that federal restriction does not independently establish entitlement under D.C. law or the actual contract. eCFR

6. Contract failure, termination, rejection, and provider changes

Event	Established consequence or boundary	What remains dependent on missing documents or law
Consumer rejects a proposed settlement	The rejected proposal does not satisfy the TSR’s customer-executed-agreement condition. A provider’s internal approval or blanket POA does not replace it.	Whether negotiation services otherwise create any lawful compensation entitlement; D.C. fee/completion questions remain held.
Consumer cancels the provider agreement	Apply the relevant D.C./CROA cancellation provisions and, independently, any qualifying TSR account-withdrawal right.	Cancellation of the service does not itself prove rescission of a separate creditor agreement or forgiveness of the underlying debt.
Provider fails promised performance	Compare the failure with the written service, timing, guarantee, and payment terms; deceptive representations and missing required terms can have statutory consequences.	No universal full-refund percentage, automatic retention right, or complete common-law remedy is established without the contract and material facts.
Consumer misses a later creditor installment	The creditor agreement’s payment/default terms matter. The TSR’s first-payment rule does not rewrite creditor remedies.	Cure, acceleration, reinstatement of the original balance, release conditions, and treatment of previously earned fees cannot be assumed.
Provider changes services or payment terms	A change notice is not itself proof of assent, an effective modification, or valid new debit authorization.	Whether a particular amendment requires new documents or restarts a statutory cancellation period remains fact- and provision-specific.
Provider assigns the contract or changes entity	Current CPPA text includes merchant successors/assigns and preserves specified consumer claims and defenses against them.	This does not itself authorize assignment, novation, transfer of a POA, new debits, or unrestricted record sharing.
Agent is replaced or authority revoked	POA successor/delegation and termination rules apply; express authority is required for specified redelegation.	A provider’s staffing change does not automatically designate a valid successor agent. Good-faith reliance without actual knowledge of termination is separately addressed by the Act.
Lawyer is discharged or withdraws	Rule 1.16 addresses withdrawal, protection of the client, document/property return, and refund of advance amounts not earned or incurred.	Tribunal requirements and lawful fee disputes remain separate; no blanket retention entitlement follows from discharge.

Sources: §§ 28-4603, 4605; TSR § 310.4(a)(5); current § 28-3901(a)(3)(C)(ii); POA §§ 21-2601.10–.11, 21-2602.01; Rule 1.16. D.C. Law Library+7

Separate the money categories

A cancellation analysis must distinguish:

consumer-owned money still held for creditor payments;
amounts already paid to creditors;
provider charges paid or claimed;
any independent account-administration charges.

The TSR’s qualifying-account rule concerns the consumer’s account funds and its specified earned-fee exception. D.C.’s reimbursement text concerns a separate cancellation obligation. They must not be added together as though the same dollar were two recoveries. No account balance, fee ledger, lawful fee method, or prior earnings were supplied; therefore no refund arithmetic or fee-retention amount is established. eCFR+1

7. Nonwaiver, voidness, choice of law, forum, arbitration, and misleading terms

7.1 State nonwaiver is not an automatic whole-contract-void rule

Section 28-4603(6) prohibits attempts to obtain waiver of Chapter 46 protections. Section 4606 preserves other applicable rights and assigns the exemption burden; it does not contain a general declaration that every noncompliant contract is void. Section 4607 supplies remedies, but a full remedies analysis is outside this pass. D.C. Law Library+2

CROA is different when applicable: § 1679f prohibits waiver and declares noncompliant covered contracts void and unenforceable. Its state-law savings provision preserves consistent, more protective state law. US Code+1

7.2 Current CPPA provisions relevant to contract wording

Current § 28-3904 addresses misleading representations, false statements about rights and obligations, material omissions, failure to provide a contract copy, unconscionable terms, misrepresentation of negotiation authority, interference with understanding, and Chapter 46 violations. These are not a basis for presenting unenforceable terms as effective or claiming authority the provider lacks. D.C. Law Library+1

Currentness check: The relevant definition and conduct amendments appear in D.C. Law 26-187 §§ 4(b) and 4(f), effective September 26, 2026. Section 6’s funding limitation identifies other enumerated subsections, not those two. This finding does not resolve the funding or operation of the Act’s separate enforcement/remedy changes. D.C. Law Library+1

The CFPB withdrawn-guidance register was checked. The withdrawn contract-terms circular and withdrawn permissible-purpose advisory were not used as operative authority; the findings instead rest on current statutory/regulatory text and the published opinions below. Consumer Financial Protection Bureau

7.3 Published opinions: holdings, posture, and limits

Opinion	Holding and disposition actually used	Read extent and limits
CompuCredit Corp. v. Greenwood, 565 U.S. 95 (2012)	The Supreme Court held that CROA does not preclude enforcement of a qualifying FAA arbitration agreement; reversed and remanded. The opinion expressly did not decide whether the defendants were covered credit-repair organizations.	Selected majority discussion, particularly printed pp. 98–104; screenshots at pp. 98 and 104. It does not validate every arbitration term, determine assent, or eliminate generally applicable contract defenses. GovInfo+1
Doucette v. Neutron Holdings, Inc., 288 A.3d 339 (D.C. 2023)	D.C. Court of Appeals affirmed compelling arbitration, rejecting the particular unconscionability challenge. It analyzed the challenged arbitration provision rather than declaring the entire service contract lawful.	Selected slip-opinion pp. 1–8, 12; visual pp. 5, 6, 12. It did not resolve the delegation issue or establish assent for every electronic contract. Justia Law+2
Walker v. Uber Technologies, Inc. (D.C. Cir. Aug. 28, 2026)	Affirmed denial of arbitration on the notice/formation facts involving a guest rider. The court did not finally decide whether inquiry notice alone satisfies D.C. law.	Selected slip pp. 2, 9–15, 19–20; visual pp. 9, 14, 20. Federal appellate application of D.C. law, not a D.C. Court of Appeals resolution of the reserved question. D.C. Circuit Court+2
Forrest v. Verizon Communications, Inc., 805 A.2d 1007 (D.C. 2002)	Adopted the modern approach to forum-selection clauses, applied reasonable-communication and reasonableness analysis, and affirmed dismissal under the particular Virginia forum clause.	Selected opinion text; visual slip pp. 4, 5, 16. This is not permission to evade Chapter 46 through any choice-of-law clause. Its underlying claims and contractual setting differ from CCSO services. Justia Law+2

FAA § 2 preserves generally applicable contract defenses; D.C. § 16-4406 separately addresses arbitration-agreement enforceability and threshold questions. Their interaction with delegation, preemption, and an actual contract remains outside a full arbitration dossier. US Code+1

D.C.’s POA provisions also contain restrictions concerning predispute jury-trial waivers. They should not be turned into a blanket statement that every arbitration clause signed by an agent is invalid: scope, instrument type, federal preemption, and the particular clause require separate analysis. D.C. Law Library+1

Later-history limitation: Targeted public opinion searches were performed, but no comprehensive citator or docket-status review was conducted. Walker’s discussion supplies a later published reference to the D.C. formation authorities; it is not a complete later-history certification for every case. No underlying opinion merely quoted by another opinion is represented as freshly read.

8. Four hypothetical document and failure models

These are anonymous document sequences, not provider records, license examples, or status queries.

Model M01 — Covered noncustodial negotiation agreement with overbroad settlement authority

Assumptions: Chapter 46 applies; no exclusion is established. The service is noncustodial. TSR coverage is assumed only for the federal branch.

Sequence: A precontract information statement is delivered and acknowledged. A dated provider agreement describes negotiation services and payment terms. A separate clause purports to authorize acceptance of any sufficiently favorable creditor proposal. Later, a particular creditor offer arrives, but the consumer has not executed that offer.

Document checks: D01–D20 apply. Any agency instrument must be classified and tested under the POA Act; a provider-agreement signature is not automatically the required acknowledged power. State-law authority to bind the consumer must be distinguished from permission only to negotiate.

Failure: Even if a valid state-law power authorizes acceptance, the provider cannot use that power as a substitute for the customer’s execution of the specific agreement to satisfy the TSR fee condition. Neither an offer nor a savings estimate establishes the customer-payment condition.

Missing evidence: Actual engagement scope, valid agency instrument if relied upon, specific creditor terms, customer execution, payment evidence, lawful fee terms and allocation. No fee is calculated or deemed earned. Claims C015–C021. D.C. Law Library+2

Model M02 — Conditionally eligible custodial DMP cancellation

Assumptions: The model is hypothetically eligible to operate; that eligibility is not established here. Chapter 46 applies. A qualifying TSR account exists only if all relevant account predicates are met. No prior fee is assumed lawfully earned.

Sequence: A consumer signs DMP documents. Money is set aside for creditor payments. The consumer then sends a service-cancellation notice and separately requests withdrawal of owned account funds.

Document checks: Determine whether the D.C. notice was timely and properly delivered; record provider receipt separately from the account-withdrawal request. Identify any actual binding creditor plan, customer execution, and qualifying payment. Segregate still-owned money from payments already made to creditors.

Failure: A cancellation acknowledgment or initiated bank transfer does not establish consumer receipt within the TSR’s seven-business-day period. A first payment somewhere in the arrangement does not prove every § 310.4(a)(5)(i)(A)–(C) condition or a lawful state fee entitlement.

Missing evidence: Account ownership/control terms, actual request and receipt events, creditor-plan documentation, payment history, contract terms, and fee ledger. D.C.’s reimbursement obligation and the TSR account return must be reconciled without double counting. Claims C020, C039, C042, C058. GovInfo+2

Model M03 — Conditional credit repair with conflicting clock assumptions

Assumptions: The service’s paid representations make CROA applicable; Chapter 46 also applies; no statutory exclusion is established.

Sequence: At event S, the consumer signs. The organization delivers a service agreement but proposes to start work immediately because the consumer checked “start now.” A cancellation notice later arrives at event R.

Document checks: Verify the separate CROA disclosure, acknowledgment retention, compliant contract, adjacent notice, duplicate cancellation form, completed copies, and D.C. documents. Keep the CROA service-start period beginning on signing separate from its cancellation period beginning after execution or the specified enforceability event. Keep D.C.’s five-calendar-day right separate again.

Failure: A “start now” checkbox is not a waiver of CROA’s protections. Passage of either waiting period is not permission to collect before full performance. The statutory form’s “third day” wording cannot justify shortening the operative business-day cancellation right.

Missing evidence: Correct document versions, signing/execution events, applicable business-day computation, service commencement, and notice delivery/receipt. No actual deadline is filled in. Claims C032–C038, C049. US Code+4

Model M04 — Remote electronic delivery with uncertain purpose and exclusion facts

Assumptions: The engagement involves mixed personal/business obligations. The documents refer to an attorney or nonprofit connection, but the facts establishing an exclusion are unknown. The consumer receives a portal link and later emails cancellation.

Sequence: A link is transmitted; a click is recorded; the provider treats the contract and every authorization as complete. No evidence establishes access demonstration, downloadable copies, acknowledgment, or the precise document version accepted.

Document checks: First resolve each law’s coverage and exclusion predicates. Then separately test electronic agreement, attribution, required consent, retainability, prescribed delivery method, and receipt. A true D.C. attorney exclusion does not automatically create a CROA exclusion; an attorney still has applicable professional duties.

Failure: A delivery log does not establish informed assent or compliance with every required writing. An email cancellation cannot automatically be declared either sufficient or ineffective without resolving the statutory method/electronic-law interaction and facts. Neither “business debt,” “nonprofit,” nor “attorney affiliated” is a conclusive classification.

Missing evidence: Purpose and actor facts; agreed electronic channel; consent and access records; actual document content; cancellation transmission/receipt; applicable agency formalities. No status lookup is performed. Claims C001, C024–C031, C032, C047. D.C. Law Library+4

9. Complete source and version register

All fresh checks below occurred October 27, 2026, Pacific. “Selected” means only the identified provisions or pages were used; it does not mean a complete book, chapter, regulation history, or opinion citator was reviewed.

Source ID	Issuer/title and complete literal URL(s)	Exact pinpoints, version/effective status, and actual read limits
S_DC-P4-S001	D.C. Council / Law Library — CCSOA, Chapter 46 https://code.dccouncil.gov/us/dc/council/code/sections/28-4601 https://code.dccouncil.gov/us/dc/council/code/sections/28-4603 https://code.dccouncil.gov/us/dc/council/code/sections/28-4604 https://code.dccouncil.gov/us/dc/council/code/sections/28-4605 https://code.dccouncil.gov/us/dc/council/code/sections/28-4606 https://code.dccouncil.gov/us/dc/council/code/sections/28-4607 https://code.dccouncil.gov/us/dc/council/code/sections/28-4608	Fresh operative bodies read; principal reliance 4601(1)–(3), 4603(1),(3)–(7), 4604(a)–(b), complete 4605(a)–(e), 4606(a)–(c), 4607 limited contract/remedy distinction, 4608 rule/form distinction. Section 4605 history: effective March 8, 1991; other sections have their own later histories. Same authority as P02-S001, freshly checked—not independent corroboration. No actual form, registration, or contract approval.
S_DC-P4-S002	D.C. Council — UETA https://code.dccouncil.gov/us/dc/council/code/sections/28-4901 https://code.dccouncil.gov/us/dc/council/code/sections/28-4902 https://code.dccouncil.gov/us/dc/council/code/sections/28-4903 https://code.dccouncil.gov/us/dc/council/code/sections/28-4904 https://code.dccouncil.gov/us/dc/council/code/sections/28-4905 https://code.dccouncil.gov/us/dc/council/code/sections/28-4906 https://code.dccouncil.gov/us/dc/council/code/sections/28-4907 https://code.dccouncil.gov/us/dc/council/code/sections/28-4908 https://code.dccouncil.gov/us/dc/council/code/sections/28-4910 https://code.dccouncil.gov/us/dc/council/code/sections/28-4911 https://code.dccouncil.gov/us/dc/council/code/sections/28-4914	Fresh listed bodies; definitions, scope/exclusions, agreed electronic transactions, recognition, writing/delivery, attribution, acknowledgment, retention, sending/receipt. § 4903 applies to records/signatures on or after October 3, 2001; individual histories include later technical corrections. Not a complete UETA case-law or remote-notarization review.
S_DC-P4-S003	D.C. Council — Uniform Power of Attorney Act https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.02 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.03 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.05 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.06 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.07 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.10 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.11 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.14 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.19 https://code.dccouncil.gov/us/dc/council/code/sections/21-2602.01 https://code.dccouncil.gov/us/dc/council/code/sections/21-2602.08 https://code.dccouncil.gov/us/dc/council/code/sections/21-2602.12 https://code.dccouncil.gov/us/dc/council/code/sections/21-2604.02 https://code.dccouncil.gov/us/dc/council/code/sections/21-2604.03	Fresh selected statutory bodies: definition/scope; execution/validity; designated law; termination/successors/duties; reliance; express delegation; banking/claims authority; E-SIGN savings; transition. Enacted effective February 23, 2023, Law 24-236 § 2(d). Earlier/out-of-state instruments expressly require separate treatment. No actual POA or acknowledgment examined.
S_DC-P4-S004	U.S. House OLRC — E-SIGN https://uscode.house.gov/us/usc/119-134/t15/s7001/ https://uscode.house.gov/us/usc/119-134/t15/s7002/ https://uscode.house.gov/us/usc/119-118/t15/s7003/ https://uscode.house.gov/us/usc/119-118/t15/s7006/	Fresh 7001(a)–(e), 7002, 7003, relevant 7006 definitions. The 119-134 pages displayed currency through P.L. 119-134, October 20, 2026; the other route displayed through P.L. 119-120, October 7, 2026. These are publication bounds, not a fresh complete review of intervening legislation. Interstate-commerce and consumer predicates; statutory exclusions retained.
S_DC-P4-S005	U.S. House OLRC — CROA https://uscode.house.gov/us/usc/119-118/t15/s1679a/ https://uscode.house.gov/us/usc/119-118/t15/s1679b/ https://uscode.house.gov/us/usc/119-134/t15/s1679c/ https://uscode.house.gov/us/usc/119-134/t15/s1679d/ https://uscode.house.gov/us/usc/119-134/t15/s1679e/ https://uscode.house.gov/us/usc/119-134/t15/s1679f/ https://uscode.house.gov/us/usc/119-118/t15/s1679j/	Fresh definitions/exclusions; 1679b(b); complete relevant disclosure/contract/cancellation text in c–e; f; j. Same OLRC publication bounds as S004. Enacted 1996; statutory applicability note retained. No provider-specific coverage decision; no invented business-day calendar.
S_DC-P4-S006	FTC / eCFR — TSR, 16 C.F.R. Part 310 https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2 https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3 https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4 https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6	Fresh selected definitions, 310.3(a)(1), (a)(2)(x), (a)(3); 310.4(a)(2), (a)(5)(i)–(ii), (a)(7); 310.6(b)(3),(5),(6). Title displayed current through October 23, 2026. Title-level update is not section effective date. Applicable telemarketing/FTC jurisdiction and exceptions remain conditional.
S_DC-P4-S007	FTC — 2010 TSR final rule and statement of basis and purpose https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf	Fresh selected III.C.5.a, printed 75 FR 48489 / PDF index 31, including footnotes 427–433; visually inspected. Selected effective-date discussion read. Debt-relief advance-fee provision effective October 27, 2010. Historical final-rule explanation read alongside current S006; not a whole 66-page visual review.
S_DC-P4-S008	CFPB — Regulation E and official interpretations https://www.consumerfinance.gov/rules-policy/regulations/1005/2/ https://www.consumerfinance.gov/rules-policy/regulations/1005/3/ https://www.consumerfinance.gov/rules-policy/regulations/1005/10/	Fresh 1005.2(b),(k); 1005.3(a), relevant coverage; 1005.10(b)–(d) and relevant official comments, particularly authorization/consumer copy and stop-payment. Pages label themselves current regulation. Full amendment chronology and all account exclusions not independently reconstructed. Not reliance on withdrawn guidance.
S_DC-P4-S009	U.S. House OLRC — FCRA selected provisions https://uscode.house.gov/us/usc/119-134/t15/s1681b/ https://uscode.house.gov/us/usc/119-118/t15/s1681j/	Fresh 1681b(a)(2),(f); 1681j(b). Publication bounds as S004. Permissible-purpose and free-disclosure interface only; not full FCRA/privacy/redisclosure coverage.
S_DC-P4-S010	D.C. Council — CPPA and 2026 amending law https://code.dccouncil.gov/us/dc/council/code/sections/28-3901 https://code.dccouncil.gov/us/dc/council/code/sections/28-3904 https://code.dccouncil.gov/us/dc/council/laws/26-187	Fresh 3901(a)(2)–(3), especially (3)(C)(ii); 3904(a)(5)–(7),(20)–(21),(25),(29), (b)(3); Law 26-187 §§ 4(b),4(f),6,8. Relevant amendments effective September 26, 2026; listed funding condition does not include 4(b)/4(f). No full enforcement/remedies or professional-services coverage decision.
S_DC-P4-S011	D.C. Bar — published D.C. Rules of Professional Conduct https://www.dcbar.org/for-lawyers/legal-ethics/rules-of-professional-conduct/client-lawyer-relationship/scope-of-representation https://www.dcbar.org/for-lawyers/legal-ethics/rules-of-professional-conduct/client-lawyer-relationship/confidentiality-of-information https://www.dcbar.org/for-lawyers/legal-ethics/rules-of-professional-conduct/client-lawyer-relationship/declining-or-terminating-representation	Fresh Rules 1.2(a),(c) and relevant comments; 1.6(a),(e),(g); 1.16(a)(3),(c),(d), comments 4,11–12. Published pages identify relevant amendments effective September 15, 2025; underlying adoption order not separately inspected. No lawyer-status lookup.
S_DC-P4-S012	U.S. House OLRC — FAA § 2 https://uscode.house.gov/us/usc/119-121/t9/s2/	Fresh full operative § 2. Page displayed currency through P.L. 119-121, October 9, 2026. Commerce, written agreement, general defenses and statutory exceptions retained; no actual clause evaluated.
S_DC-P4-S013	D.C. Council — Arbitration agreement validity https://code.dccouncil.gov/us/dc/council/code/sections/16-4406	Fresh (a)–(d). Current codified body; not a complete FAA-preemption, delegation, or arbitration dossier.
S_DC-P4-S014	U.S. Supreme Court / GovInfo — CompuCredit, 565 U.S. 95 https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf	Published January 10, 2012 opinion; selected majority pp. 97–104 and disposition; visual p. 98/PDF 3, p. 104/PDF 9. Reversal/remand; coverage reserved in footnote 1. No full later-history certification.
S_DC-P4-S015	D.C. Court of Appeals — Doucette opinion, reproduced by Justia https://law.justia.com/cases/district-of-columbia/court-of-appeals/2023/21-cv-896.html https://cases.justia.com/district-of-columbia/court-of-appeals/2023-21-cv-896.pdf?ts=1674743594	Published January 26, 2023; 288 A.3d 339. Selected slip pp. 1–8,12; visual 5/PDF4, 6/PDF5, 12/PDF11. Court-authored opinion, third-party reproduction; official-host attempt failed. Not an enforcement record or docket search.
S_DC-P4-S016	U.S. Court of Appeals, D.C. Circuit — Walker v. Uber Technologies https://media.cadc.uscourts.gov/opinions/docs/2026/08/24-7154-2190369.pdf	Published August 28, 2026; selected slip pp. 2,9–15,19–20; visual 9/PDF8, 14/PDF13, 20/PDF19. Affirmed denial of arbitration; inquiry-notice sufficiency not finally decided. No subsequent docket-status inquiry.
S_DC-P4-S017	D.C. Court of Appeals — Forrest opinion, reproduced by Justia https://law.justia.com/cases/district-of-columbia/court-of-appeals/2002/01-cv-1101-5.html https://cases.justia.com/district-of-columbia/court-of-appeals/01-cv-1101-5.pdf?ts=1462314236	Published August 29, 2002; 805 A.2d 1007. Selected formation/forum/scope analysis and disposition; visual 4/PDF3, 5/PDF4, 16/PDF15. Affirmed dismissal; not a CCSOA choice-of-law holding.
S_DC-P4-S018	CFPB — Withdrawn guidance register https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/	Fresh relevant entries: contract-terms circular and FCRA permissible-purpose advisory withdrawn May 12, 2025. Register update date is not the legal effective date of underlying statutes/regulations. Used to exclude withdrawn guidance, not as affirmative contract authority.

10. Atomic claim register

Claim ID	Precise assertion	Sources and exact pinpoints	Conditions and limits
S_DC-P4-C001	Chapter 46 agreement requirements apply only after coverage and any claimed exclusion are resolved.	S001, §§ 4601, 4606(b).	Consumer purpose, actor and nexus remain conditional.
S_DC-P4-C002	Required information precedes the earlier of execution or receipt of consideration; signed acknowledgment is retained three years.	S001, § 4605(a).	Not satisfied merely by later disclosure.
S_DC-P4-C003	The first four information-statement items concern file access, the stated 30-day circumstance, provider review charge, and disputes concerning the provider-maintained file.	S001, § 4605(b)(1)–(4).	Preserve actual statutory subjects.
S_DC-P4-C004	FCRA’s specified adverse-action free-disclosure period is 60 days, creating a mismatch with D.C.’s 30-day wording.	S009, § 1681j(b); S001, § 4605(b)(2)–(3).	No approved substitute form inferred.
S_DC-P4-C005	Detailed services and total charge must be disclosed.	S001, § 4605(b)(5).	No fee formula or amount approved.
S_DC-P4-C006	Security-right and identifier disclosures appear in § 4605; treatment of a claimed no-security branch remains unresolved.	S001, §§ 4605(b)(6)–(7),4604.	No invented security or omission exception.
S_DC-P4-C007	Direct CRA dispute rights must be disclosed.	S001, § 4605(b)(8).	Does not complete a full FCRA analysis.
S_DC-P4-C008	Covered service agreements must be written, dated and consumer-signed.	S001, § 4605(c).	Electronic satisfaction requires separate predicates.
S_DC-P4-C009	Payment terms include the total of payments to the provider or another person.	S001, § 4605(c)(1).	Unknown future-payment treatment not resolved.
S_DC-P4-C010	Agreement contents include detailed services, proposed credit-information remedies, refund promises and estimated completion.	S001, § 4605(c)(2).	No legal definition of completion supplied.
S_DC-P4-C011	Principal business and registered-agent information is required.	S001, § 4605(c)(3).	Service-of-process role is not automatic cancellation exclusivity.
S_DC-P4-C012	The accompanying cancellation notice must state five calendar days from signing and the specified personal/certified-mail methods.	S001, § 4605(d)(1)–(2).	No automatic ordinary-email equivalence.
S_DC-P4-C013	The notice must state reimbursement within ten days of cancellation-notice receipt.	S001, § 4605(d)(3).	Amount, detailed counting, and payment mechanics not fully specified.
S_DC-P4-C014	Consumer copies of the listed documents are required; no current administrative form is established here.	S001, §§ 4605(e),4608; carried P03 gap.	Statutory content is not agency-form approval.
S_DC-P4-C015	Negotiation, settlement acceptance, account control and data consent require distinct authority analysis.	S003, S006–S009, S011.	No actual instrument supplied.
S_DC-P4-C016	A covered new D.C. POA requires signature and acknowledgment.	S003, §§ 21-2601.02–.03,.05.	Not every service contract is a POA.
S_DC-P4-C017	Prior/out-of-state instruments and electronic acknowledgment have separate validity rules.	S003, §§ .06,21-2604.03; S002, § 4910.	No complete remote-notarial procedure investigated.
S_DC-P4-C018	Properly granted state-law powers can include claims settlement and banking acts.	S003, §§ 21-2602.08,.12.	Scope and limitations control; federal predicates remain.
S_DC-P4-C019	A provider POA cannot replace customer execution of the specific creditor agreement for the TSR fee condition.	S006, § 310.4(a)(5)(i)(A); S007, 75 FR 48489.	Conditional TSR coverage; not a universal invalidity rule for agency settlements.
S_DC-P4-C020	Customer payment must satisfy the actual agreement; artificial subdivision of a required lump sum is insufficient.	S006, § 310.4(a)(5)(i)(B); S007, p. 48489 and n.432.	DMP discussion is separately conditional; allocation still matters.
S_DC-P4-C021	Covered recurring EFTs need consumer-authenticated written authorization and a copy; stop-payment is distinct from debt cancellation.	S008, §§ 1005.2(b),(k),1005.10(b)–(c).	Consumer-account and transfer coverage required.
S_DC-P4-C022	Obtaining/using a consumer report requires a permissible FCRA purpose and applicable certification.	S009, § 1681b(a)(2),(f).	Not blanket privacy or redisclosure permission.
S_DC-P4-C023	Lawyers must respect client settlement decisions and applicable confidentiality restrictions.	S011, Rules 1.2(a),1.6.	Actual lawyer/client relationship not established.
S_DC-P4-C024	UETA recognition does not eliminate agreement, intent, attribution, scope, or excluded-transaction requirements.	S002, §§ 4901–4908.	Context and evidence matter.
S_DC-P4-C025	Required electronic records must meet retainability and retention conditions.	S002, §§ 4907,4911.	A transient or blocked-access page may be insufficient.
S_DC-P4-C026	Specified notice methods are not automatically erased by electronic-signature law.	S002, § 4907; S004, §§ 7001(c)(2),7002.	Exact CCSO email-cancellation interaction unresolved.
S_DC-P4-C027	Electronic receipt can occur without human awareness but requires the statutory system/processing facts.	S002, § 4914.	Sending or acknowledgment does not prove every receipt/content issue.
S_DC-P4-C028	E-SIGN coverage and exclusions must be tested separately from UETA.	S004, §§ 7001,7003,7006.	No universal coverage of every notice.
S_DC-P4-C029	Covered consumer e-disclosures require the § 7001(c) consent/access framework.	S004, § 7001(c)(1)–(2).	State UETA interaction must also be considered.
S_DC-P4-C030	Withdrawal and retention rules do not automatically invalidate all earlier compliant electronic acts.	S004, § 7001(c)(3)–(4),(d)–(e).	Limited statutory safe language is not a general cure.
S_DC-P4-C031	State UETA’s relation to E-SIGN prevents a one-rule-fits-all statement for every state writing.	S004, § 7002; S003, § 21-2604.02.	Precise method/preemption disputes remain held.
S_DC-P4-C032	CROA coverage and exclusions differ from Chapter 46; there is no matching blanket attorney exclusion.	S005, § 1679a(3).	Actual representations, consideration and actor facts required.
S_DC-P4-C033	CROA requires its separate disclosure and two-year signed acknowledgment retention.	S005, § 1679c.	Do not collapse into an undifferentiated contract.
S_DC-P4-C034	CROA requires specified contract terms, cancellation materials and completed copies.	S005, §§ 1679d(b),1679e(b)–(c).	Not a universal D.C. form.
S_DC-P4-C035	CROA’s service-start period begins on signing under § 1679d(a).	S005, § 1679d(a).	No actual business-day computation made.
S_DC-P4-C036	CROA cancellation uses the after-execution/otherwise-enforceable trigger in § 1679e(a).	S005, § 1679e(a).	Separate from the service-start wording.
S_DC-P4-C037	CROA’s form text and operative business-day right use different wording.	S005, § 1679e(a)–(b).	No shortening of the operative right or approved form rewrite.
S_DC-P4-C038	CROA prohibits charge/receipt before full agreed-service performance.	S005, § 1679b(b).	Waiting-period expiration or D.C. security is not an exception.
S_DC-P4-C039	Qualifying TSR account withdrawal requires receipt within seven business days of request, less only fees satisfying all (i)(A)–(C) predicates.	S006, § 310.4(a)(5)(ii)(E).	Independent state/contract entitlement still necessary.
S_DC-P4-C040	TSR coverage depends on the sales process and applicable exceptions.	S006, §§ 310.2,310.6(b)(3),(5),(6).	Web, telephone and face-to-face channels are not interchangeable.
S_DC-P4-C041	Covered sales require specified pre-consent disclosures; credit-repair timing has a separate TSR provision.	S006, §§ 310.3(a)(1),310.4(a)(2).	No full federal overview or universal coverage claim.
S_DC-P4-C042	Canceling the provider contract does not itself establish rescission of a separate creditor agreement or debt forgiveness.	S001 § 4605; S005 § 1679e; S006 § 310.4(a)(5).	Separate agreement, parties, release and performance terms control.
S_DC-P4-C043	A rejected proposal does not satisfy customer execution for covered TSR fee earning.	S006, § 310.4(a)(5)(i)(A); S007 p.48489.	Other compensation questions remain held.
S_DC-P4-C044	A later creditor-installment default does not establish automatic fee retention, clawback, release or balance reinstatement.	S006; actual creditor/provider terms absent.	These outcomes are unresolved, not affirmatively prohibited in every case.
S_DC-P4-C045	CPPA successor/assign provisions preserve specified claims/defenses; POA delegation/succession remains separate.	S010 § 3901(a)(3)(C)(ii); S003 §§ .11,21-2602.01(a)(5).	No assignment or novation approved.
S_DC-P4-C046	POA termination and good-faith action without actual knowledge have distinct rules.	S003, § 21-2601.10.	Revocation notice and actual knowledge are factual issues.
S_DC-P4-C047	Lawyer termination entails client-protection and unearned/unincurred advance-return duties.	S011, Rule 1.16(a)(3),(c)–(d).	Subject to applicable tribunal and lawful dispute rules.
S_DC-P4-C048	Chapter 46 prohibits waiver but § 4606 does not automatically void all noncompliant contracts.	S001, §§ 4603(6),4606,4607.	Full illegality/remedies analysis remains separate.
S_DC-P4-C049	CROA expressly voids noncompliant covered contracts and prohibits waiver.	S005, § 1679f.	Coverage must first be established.
S_DC-P4-C050	Current CPPA contract-related prohibitions and successor language are in amendments not subject to the identified funding condition.	S010, Law26-187 §§4(b),4(f),6; §§3901,3904.	Other amendment provisions not resolved.
S_DC-P4-C051	CROA does not categorically preclude FAA arbitration, but valid agreement and applicable defenses remain necessary.	S012 §2; S014 pp.98–104.	CompuCredit reserved coverage.
S_DC-P4-C052	Doucette rejected the particular arbitration unconscionability challenge, not every possible contract objection.	S015, slip pp.5–6,12.	Delegation/formation limits preserved.
S_DC-P4-C053	Walker distinguishes notice/formation from mere use or message receipt and reserves the inquiry-notice sufficiency question.	S016, slip pp.9,14,20.	Federal application of D.C. law on particular facts.
S_DC-P4-C054	Forrest supports case-specific forum enforcement, not universal evasion of D.C. protective statutes.	S017, slip pp.4–5,16.	Choice-of-law/public-policy application to CCSOs unresolved.
S_DC-P4-C055	POA predispute jury-waiver restrictions require separate FAA/preemption analysis before applying to arbitration.	S003 §§21-2601.19(g),21-2602.12; S012.	No blanket arbitration conclusion.
S_DC-P4-C056	Withdrawn CFPB guidance was not used as operative contract or permissible-purpose authority.	S018; operative S008–S010 instead.	Register check is not a complete guidance-history survey.
S_DC-P4-C057	Current prescribed administrative CCSO contract/forms and implementation rules remain unauthenticated.	Carried P03 finding; S001 §4608.	No failed-route rerun or absence inference.
S_DC-P4-C058	No actual refund amount, lawful fee-retention amount, or completed-service determination is established.	Missing contracts/ledger; S001,S005–S008.	Distinguish money categories and avoid duplicate recovery arithmetic.

11. Granular coverage and remaining-evidence table

Assigned subquestion	Status	Claims / models	Exact missing evidence or next bounded investigation
Each § 4605 precontract disclosure	Answered at statutory level	C002–C007; D01–D10	Actual document compliance requires the exact disclosure version and delivery sequence.
Signed acknowledgment and retention	Answered	C002; D02	Generic proof category identified; no actual record examined.
Written/detailed service agreement	Answered at statutory level	C008–C011; D11–D16	Actual terms and future-payment treatment remain unknown.
Cancellation notice contents/method	Answered in text; electronic application partial	C012–C013; D17–D19	Published authority resolving § 4605(d)(2) electronic substitution.
Copies and accessibility	Answered conditionally	C014,C025	Exact versions, delivery and accessibility facts.
State 30-day versus federal 60-day disclosure	Partial reconciliation	C003–C004	Approved interpretive guidance or controlling opinion on compliant combined disclosure wording.
Security-disclosure/no-security branch	Unresolved interpretation	C006	Published rule/opinion addressing § 4605(b)(6)–(7) when no pre-completion money is received.
Mandatory administrative agreement/form	Unresolved; preserved	C014,C057	Authenticated adopted rule/form; no P03 failed-route rerun.
Negotiation versus settlement authority	Answered in legal distinctions	C015–C019; M01	Actual engagement and agency instrument.
POA execution/acknowledgment	Answered for specified statutory branches	C016–C018	Execution location/date, applicable exclusion and acknowledgment facts; remote-notarial details if material.
Customer execution under TSR	Answered conditionally	C019; M01	Specific agreement, customer act, legal validity, TSR coverage.
Payment trigger and bona fide installments	Answered conditionally	C020; M01–M02	Creditor-required payment structure and actual payment evidence.
Recurring debit consent/stop-payment	Answered conditionally	C021	Account/transfer classification and authorization record; one-time-payment issues remain separate.
Record access/sharing	Partial	C022–C023	Actual purpose and scope; broader privacy/redisclosure laws not comprehensively investigated.
UETA scope, agreement and attribution	Answered in text	C024	Actual electronic interaction and identity evidence.
Electronic retainability/record retention	Answered in text	C025	Actual file, access conditions and retention system.
Electronic notice receipt	Answered in text; factual use unresolved	C027	Designated system, processability, retrievability, content and transmission result.
E-SIGN consent, withdrawal and paper options	Answered conditionally	C028–C031	Actual consent sequence; precise state-UETA interaction for disputed notices.
Telephone/web/face-to-face differences	Partial, relevant rules identified	C040–C041	Actual sales flow; no assumption that one channel establishes or removes all coverage.
D.C. five-calendar-day cancellation trigger	Answered	C012	Actual signing event and method evidence needed for application.
D.C. ten-day reimbursement trigger	Answered in text	C013	Receipt event, legally applicable computation rule, amount and payment proof.
Complete D.C. reimbursement formula	Unresolved	C013,C058	Contract, consideration/service history, and applicable interpretation; no fee modeling here.
CROA coverage and actor exclusions	Answered in text; application conditional	C032	Representations, consideration and exact exclusion facts.
CROA separate statement/contract/copies	Answered	C033–C034; F01–F06	Actual completed documents; no substitute form approved.
CROA service-start clock	Answered in text	C035; M03	Business-day calendar and actual signing facts before any dated calculation.
CROA cancellation/enforceability trigger	Answered in text	C036; M03	Execution/enforceability event and applicable counting.
CROA notice wording discrepancy	Partial	C037	No approved corrective form or controlling interpretation authenticated.
CROA pre-performance fee restriction	Answered conditionally	C038	Coverage and actual full performance; no state-security exception.
TSR seven-business-day receipt requirement	Answered conditionally	C039; M02	Account conditions, request, actual receipt, and all earned-fee predicates.
Provider termination versus creditor release	Answered as distinction; outcome unresolved	C042	Creditor agreement, release, payment and rescission terms.
Rejected settlement proposal	Answered for TSR predicate	C043; M01	Other state/contract compensation consequences remain held.
Failed performance and refund promises	Partial	C010,C048–C050,C058	Actual promise, material breach facts and focused remedy authority if later assigned.
Failed creditor installment	Unresolved outcome	C044	Default, cure, acceleration, release and fee provisions; no automatic inference.
Provider service/term changes	Partial	C024,C029,C045	Modification terms and assent; whether new statutory clocks attach to a particular change.
Assignment/replacement provider	Partial	C045–C046	Assignment/novation terms, agency succession, consent and notice facts.
Attorney discharge/termination	Answered in rule text	C023,C047	Actual attorney relationship, tribunal involvement and fee/property status.
Nonwaiver and automatic voidness	Answered with distinction	C048–C049	Common-law illegality/rescission and full remedies remain outside this pass.
Choice of law/forum	Partial	C054	Actual clause, nexus and applicable conflicts/public-policy analysis.
Arbitration/POA restrictions	Partial	C051–C055	Actual assent, clause, delegation and FAA-preemption issues; no full arbitration dossier.
Current CPPA contract-related prohibitions	Answered at selected-provision level	C050	Actual consumer/merchant/professional-service coverage remains conditional.
Opinion posture and read limits	Answered	C051–C054; S014–S017	Comprehensive later-history/citator work not performed.
Actual provider/contract approval	Excluded	All models	No actual provider, agreement or authorization facts supplied or searched.
Remaining state-parent/A066 categories	Excluded and preserved	C057–C058	Later authorized passes; no acceptance by implication.

12. Actual read/failure log and researcher self-check

12.1 Access and read log

Log item	Actual action/result	Evidentiary treatment
Chapter 46 relevant bodies	Freshly read § 4605 in full and necessary definitions/adjacent conditions.	New contract findings supported; no access/procedure rerun.
UETA, POA, E-SIGN, CROA	Read the listed statutory bodies and selected operative subsections.	No assertion that every related statute, rule or opinion was reviewed.
TSR/current federal sources	Read current specified eCFR provisions and final-rule explanation; inspected the pertinent final-rule PDF page.	Historical preamble distinguished from current codified rule.
Regulation E/FCRA	Read operative provisions and relevant official interpretations.	No reliance on a withdrawn bulletin or advisory.
CPPA amendment currentness	Read pertinent 2026 amendatory provisions and funding/effective clauses.	Did not generalize the result to all enforcement/remedy amendments.
CFPB guidance register	Checked withdrawn-guidance entries before using any guidance theory.	Withdrawn contract/permissible-purpose materials excluded.
Supreme Court initial route	https://www.supremecourt.gov/opinions/11pdf/10-948.pdf failed.	Recovered the published opinion through S014’s official GovInfo URL; no unchanged retry loop.
D.C. official Doucette route	https://www.dccourts.gov/sites/default/files/2023-01/Doucette%20v%20Neutron%20Holdings%2021-CV-896.pdf returned an access failure.	Used the court-authored published opinion reproduced at S015; hosting limitation disclosed.
Additional agency-opinion lead	https://www.dccourts.gov/sites/default/files/pdf-opinions/02-SP-241.PDF failed.	Not used as authority; no claim to have read that opinion.
Mistyped/nonexistent POA locator	https://code.dccouncil.gov/us/dc/council/code/sections/21-2604.04 did not yield authority.	No legal inference; relevant transition provision is the actually read § 21-2604.03.
Alternate FAA locator	https://uscode.house.gov/us/usc/t9/s2/ failed.	Used the actually read versioned S012 URL.
Wrong CFPB guidance path	https://www.consumerfinance.gov/compliance/supervisory-guidance/withdrawn-guidance/ did not supply the register.	Recovered the actual S018 register; wrong path not treated as absence of withdrawn guidance.
PDF visual reads	S007: index31; S014: indexes3,9; S015:4,5,11; S016:8,13,19; S017:3,4,15.	These exact pages were visually inspected. Parsed text elsewhere is not described as visual inspection.
P03 failed procedure/rule routes	Not rerun.	P03’s unresolved administrative-form/procedure findings preserved.
Historical enforcement materials	Not used for new merits findings.	Complaints/consent resolutions not substituted for controlling law.
Identifier/status searches	None performed.	No actual or hypothetical provider, license, account, borrower, property, roster or docket-status result.

12.2 Self-check

This was a researcher pass, not independent review. The source tables distinguish operative text, historical final-rule explanation, published judicial holdings, selected passages, and failed accesses.

The investigation establishes substantial document and authority requirements but does not establish:

a valid ready-to-sign D.C. debt-settlement agreement;
a mandatory current agency contract or cancellation form;
actual electronic consent, delivery, acknowledgment, agency authority, or customer execution;
a lawful consumer-fee amount, completed-service determination, or refund/retention calculation;
a universally valid choice-of-law, arbitration, assignment, or electronic-cancellation clause;
actual provider authorization or compliance.

All broader holds remain: access and territorial nexus; business/mixed-purpose and exclusions; fee amounts, earning and completion; current CCSO forms/category mapping/operative rule adoption; full funds/custody/transmission/security; BBL/foreign qualification; full remedies, collection, reporting, limitations, litigation, judgment and enforcement matters; secured and sector-specific debt; local, tribal and remaining contract/source questions.

Final disposition: The statutory agreement architecture and the principal authority/electronic/cancellation distinctions are supported at the stated scope. Actual contract enforceability, refund outcomes, and operational readiness remain conditional. No component, state, A066, operational, or publication acceptance is implied.

END S_DC PASS-04.

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 →

1 pending correction

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.

Read the related correction supplements

These components repair their stated scope. They do not replace every other finding in this research series.

P02 audit-trail repairs and remaining public CCSO procedure/rule gaps →

Captured table 01

Audit item · Requirement and exact authority · Generic proof needed · 20 data rows

Audit item	Requirement and exact authority	Generic proof needed	Failure or unresolved point
D01 — Precontract sequence	Information statement before the earlier event specified in § 28-4605(a).	Version of statement; evidence of delivery; execution and payment-event sequence.	A disclosure delivered after signing or payment does not satisfy the stated sequence merely because it is later acknowledged.
D02 — Receipt acknowledgment	Consumer-signed acknowledgment retained three years, § 4605(a).	Signed acknowledgment tied to the delivered statement; retention record.	A generic “terms accepted” record may not identify the required statement.
D03 — File-inspection rights	Complete and accurate explanation of the right to review the consumer-reporting agency’s file under FCRA, § 4605(b)(1).	Disclosure text and version.	A misleading statement of federal rights fails the accuracy requirement.
D04 — D.C.’s 30-day wording	Statement addressing free file review requested within 30 days after credit-denial notice, § 4605(b)(2).	Required state content plus accurate explanation of current federal rights.	Federal § 1681j(b) supplies a 60-day adverse-action request period. Do not represent the federal right as expiring at day 30.
D05 — Provider’s review charge	Approximate amount the CCSO will charge for reviewing the file outside the stated 30-day circumstance, § 4605(b)(3).	Accurate description of the provider’s proposed charge, if relevant.	This is not a statutory consumer-fee ceiling or necessarily a CRA charge. No amount is invented here.
D06 — Provider-maintained file disputes	Right to dispute accuracy or completeness of a file maintained by the CCSO, as allowed by applicable law, § 4605(b)(4).	Disclosure retaining the actual statutory subject.	The statute says CCSO here; it should not silently be rewritten as CRA.
D07 — Services and total charge	Complete, detailed services description and total amount charged, § 4605(b)(5).	Defined deliverables and complete compensation terms.	“Debt relief services” alone may omit the required detail. An unknown fee formula is not approved by this report.
D08 — Security recovery right	Statement of the consumer’s right to recover under Chapter 46 bond/trust security, § 4605(b)(6).	Accurate description of applicable security and recovery right.	The relationship between this unconditional disclosure wording and § 4604’s pre-completion-payment security branch remains unresolved for a provider claiming no security obligation.
D09 — Security identifiers	Trust depository/trustee names and addresses and account number, or surety name/address, bond account number and date, § 4605(b)(7).	Correct security information for the legally applicable branch.	Do not fabricate identifiers or substitute a consumer savings account for provider security. No automatic “not applicable” exception was authenticated.
D10 — Direct CRA dispute right	Right to dispute directly with the CRA under FCRA, § 4605(b)(8).	Required statement.	Paid assistance cannot be described as the consumer’s only dispute route.
D11 — Agreement execution	Agreement in writing, dated, and signed by consumer, § 4605(c).	Complete executed version; signature attribution and date.	A telephone sales conversation alone is not the required written agreement. Electronic equivalence requires the separate analysis below.
D12 — All payment terms	Terms and total of all payments, including payments to the CCSO or another person, § 4605(c)(1).	Complete payment schedule and recipient categories.	No published authority was authenticated allowing an unidentified estimate to replace the statutory total where future creditor terms are unknown.
D13 — Specific services	Detailed services, including specific detrimental credit information proposed to be remedied, § 4605(c)(2)(A).	Accurate service scope and relevant credit-information description.	Applying this credit-repair-oriented wording to negotiation-only services requires care; no administrative adaptation was verified.
D14 — Refund promises	Any full or partial refund guarantee or promise, § 4605(c)(2)(B).	Exact promise and conditions.	A contractual promise may supplement statutory rights; it cannot silently eliminate them.
D15 — Estimated completion	Estimated completion date or necessary duration, § 4605(c)(2)(C).	Stated estimate and its basis.	This requirement does not define when services are legally “completed” or fees earned.
D16 — Business/agent information	Principal business address and registered agent’s name/address for service of process, § 4605(c)(3).	Accurate contract information.	The registered agent’s litigation role does not automatically make that person the exclusive cancellation recipient.
D17 — Cancellation right	Accompanying notice of cancellation within five calendar days of signing, § 4605(d)(1).	Notice delivered with contract; execution event.	Do not substitute five business days, five days after payment, or five days after email opening.
D18 — Cancellation method	Personal delivery of a signed, dated notice, or sending cancellation by certified mail, return receipt requested, to the CCSO, § 4605(d)(2).	Notice content; delivery or mailing evidence; usable recipient information.	Ordinary email is not automatically the statutory equivalent. The electronic-law interaction is discussed below.
D19 — Reimbursement notice	Notice that reimbursement is due within 10 days of receipt of cancellation notice, § 4605(d)(3).	Receipt event and reimbursement documentation.	The section does not supply a complete amount calculation or expressly call these business days.
D20 — Consumer copies	Information statement, contract, disclosure statement, cancellation notice, and other required documents, § 4605(e).	Copies of the versions actually delivered and evidence of accessibility.	Do not assume one undifferentiated enrollment page satisfies every named document requirement.

Captured table 02

Act · Necessary authority or consent · What does not establish it automatically · 8 data rows

Act	Necessary authority or consent	What does not establish it automatically
Advise or negotiate	Actual engagement scope; any agency authority granted; applicable professional and consumer law.	Registration, a marketing label, or possession of consumer records.
Bind the consumer to a creditor agreement	Consumer’s own assent, or valid state-law agency authority within its scope; creditor assent and applicable contract formalities.	Permission merely to discuss options or request an offer.
Satisfy the TSR’s customer-execution fee condition	Customer execution of the specific qualifying creditor agreement, where § 310.4(a)(5) applies.	Blanket advance approval, acceptance thresholds, or provider execution under a power of attorney.
Make a creditor payment	Applicable account/payment authority and the creditor agreement’s payment terms.	A provider’s authority to negotiate or quote a settlement.
Debit a consumer account repeatedly	For covered preauthorized EFTs, signed or similarly authenticated written authorization by the consumer and a copy furnished to the consumer.	Oral permission given to a merchant alone, an unrelated service signature, or general data-sharing consent.
Obtain a consumer report	A permissible FCRA purpose, including qualifying written consumer instructions where relied upon, and required certification.	A contract clause saying the provider may obtain “anything.”
Share confidential legal-client information	Applicable Rule 1.6 consent, implied authorization, or a specific exception.	Attorney affiliation or an unrestricted commercial release.
Waive statutory rights or select dispute procedures	An enforceable provision that survives applicable nonwaiver, contract, and federal arbitration rules.	General consent to services or a broad power-of-attorney caption.

Captured table 03

Audit item · Authority · Generic proof needed · 6 data rows

Audit item	Authority	Generic proof needed
E01 — Electronic-transaction agreement	UETA §§ 28-4904, 4908	Agreed scope/channel; identity and intent evidence.
E02 — Accessible delivery	§§ 28-4907, 4911	Consumer-retainable version; no storage/printing inhibition; accessible retained record.
E03 — Required method	§ 28-4907; E-SIGN §§ 7001(c)(2), 7002	Analysis of the particular notice’s method and verification requirements.
E04 — Consumer e-consent	E-SIGN § 7001(c), where applicable	Consent disclosures, affirmative consent, access demonstration, scope, withdrawal/change records.
E05 — Receipt	§ 28-4914	Destination/system evidence, transmission result, retrievability, and notice content.
E06 — Electronic acknowledgment	§ 28-4910; POA § 21-2601.05	Authorized acknowledgment officer’s electronic act and required information—not just consumer click evidence.

Captured table 04

Law and predicate · Trigger and operative period · Required act or consequence · 6 data rows

Law and predicate	Trigger and operative period	Required act or consequence	Important boundary
D.C. CCSOA cancellation	Within five calendar days of signing, § 4605(d)(1).	Accompanying cancellation notice; method in subsection (d)(2).	Not five business days and not triggered by first payment.
D.C. reimbursement	Within 10 days of receipt of cancellation notice, § 4605(d)(3).	Consumer entitled to reimbursement.	Text does not provide a complete refund calculation, define “completion,” or expressly call these business days.
CROA service-start restriction, if covered	No services before a compliant contract and expiration of the three-business-day period beginning on the date signed, § 1679d(a).	Delay service performance as required.	A waiting period is not authorization to collect an advance fee.
CROA cancellation, if covered	Before midnight of the third business day beginning after execution, or after the event that would make the contract enforceable but for the provision, § 1679e(a).	Cancellation without penalty or obligation.	The trigger wording differs from § 1679d(a).
TSR qualifying account withdrawal, if covered	Consumer must receive owned funds, less qualifying earned fees, within seven business days of the request, § 310.4(a)(5)(ii)(E).	Withdrawal from the service without penalty; timely receipt of funds.	Not merely transfer initiation; not a general seven-day refund of every category of money.
Regulation E stop-payment, if applicable	Notice to financial institution at least three business days before scheduled preauthorized transfer, § 1005.10(c).	Financial-institution stop-payment obligation; permitted written-confirmation procedure.	Separate from canceling the provider contract or creditor agreement.

Captured table 05

Audit item · Required document or condition · Exact authority · 7 data rows

Audit item	Required document or condition	Exact authority
F01	Separate statutory consumer-credit-file-rights disclosure before contract execution.	§ 1679c(a)–(b).
F02	Consumer acknowledgment retained two years after signature. This is distinct from D.C.’s three-year acknowledgment requirement.	§ 1679c(b).
F03	Written, dated, consumer-signed contract containing payment terms, detailed services/guarantees and timing, and organization identification.	§ 1679d(a)–(b).
F04	Conspicuous statutory cancellation statement adjacent to the signature space.	§ 1679d(b)(4).
F05	Duplicate cancellation form containing the statutory notice and organization/deadline information.	§ 1679e(b).
F06	At signing, completed contract, disclosure, and other signed-document copies.	§ 1679e(c).
F07	No charge or receipt before full performance of the agreed service.	§ 1679b(b).

Captured table 06

Event · Established consequence or boundary · What remains dependent on missing documents or law · 8 data rows

Event	Established consequence or boundary	What remains dependent on missing documents or law
Consumer rejects a proposed settlement	The rejected proposal does not satisfy the TSR’s customer-executed-agreement condition. A provider’s internal approval or blanket POA does not replace it.	Whether negotiation services otherwise create any lawful compensation entitlement; D.C. fee/completion questions remain held.
Consumer cancels the provider agreement	Apply the relevant D.C./CROA cancellation provisions and, independently, any qualifying TSR account-withdrawal right.	Cancellation of the service does not itself prove rescission of a separate creditor agreement or forgiveness of the underlying debt.
Provider fails promised performance	Compare the failure with the written service, timing, guarantee, and payment terms; deceptive representations and missing required terms can have statutory consequences.	No universal full-refund percentage, automatic retention right, or complete common-law remedy is established without the contract and material facts.
Consumer misses a later creditor installment	The creditor agreement’s payment/default terms matter. The TSR’s first-payment rule does not rewrite creditor remedies.	Cure, acceleration, reinstatement of the original balance, release conditions, and treatment of previously earned fees cannot be assumed.
Provider changes services or payment terms	A change notice is not itself proof of assent, an effective modification, or valid new debit authorization.	Whether a particular amendment requires new documents or restarts a statutory cancellation period remains fact- and provision-specific.
Provider assigns the contract or changes entity	Current CPPA text includes merchant successors/assigns and preserves specified consumer claims and defenses against them.	This does not itself authorize assignment, novation, transfer of a POA, new debits, or unrestricted record sharing.
Agent is replaced or authority revoked	POA successor/delegation and termination rules apply; express authority is required for specified redelegation.	A provider’s staffing change does not automatically designate a valid successor agent. Good-faith reliance without actual knowledge of termination is separately addressed by the Act.
Lawyer is discharged or withdraws	Rule 1.16 addresses withdrawal, protection of the client, document/property return, and refund of advance amounts not earned or incurred.	Tribunal requirements and lawful fee disputes remain separate; no blanket retention entitlement follows from discharge.

Captured table 07

Opinion · Holding and disposition actually used · Read extent and limits · 4 data rows

Opinion	Holding and disposition actually used	Read extent and limits
CompuCredit Corp. v. Greenwood, 565 U.S. 95 (2012)	The Supreme Court held that CROA does not preclude enforcement of a qualifying FAA arbitration agreement; reversed and remanded. The opinion expressly did not decide whether the defendants were covered credit-repair organizations.	Selected majority discussion, particularly printed pp. 98–104; screenshots at pp. 98 and 104. It does not validate every arbitration term, determine assent, or eliminate generally applicable contract defenses. GovInfo +1
Doucette v. Neutron Holdings, Inc., 288 A.3d 339 (D.C. 2023)	D.C. Court of Appeals affirmed compelling arbitration, rejecting the particular unconscionability challenge. It analyzed the challenged arbitration provision rather than declaring the entire service contract lawful.	Selected slip-opinion pp. 1–8, 12; visual pp. 5, 6, 12. It did not resolve the delegation issue or establish assent for every electronic contract. Justia Law +2
Walker v. Uber Technologies, Inc. (D.C. Cir. Aug. 28, 2026)	Affirmed denial of arbitration on the notice/formation facts involving a guest rider. The court did not finally decide whether inquiry notice alone satisfies D.C. law.	Selected slip pp. 2, 9–15, 19–20; visual pp. 9, 14, 20. Federal appellate application of D.C. law, not a D.C. Court of Appeals resolution of the reserved question. D.C. Circuit Court +2
Forrest v. Verizon Communications, Inc., 805 A.2d 1007 (D.C. 2002)	Adopted the modern approach to forum-selection clauses, applied reasonable-communication and reasonableness analysis, and affirmed dismissal under the particular Virginia forum clause.	Selected opinion text; visual slip pp. 4, 5, 16. This is not permission to evade Chapter 46 through any choice-of-law clause. Its underlying claims and contractual setting differ from CCSO services. Justia Law +2

Source links captured in this table

Captured table 08

Source ID · Issuer/title and complete literal URL(s) · Exact pinpoints, version/effective status, and actual read limits · 18 data rows

Source ID	Issuer/title and complete literal URL(s)	Exact pinpoints, version/effective status, and actual read limits
S_DC-P4-S001	D.C. Council / Law Library — CCSOA, Chapter 46 https://code.dccouncil.gov/us/dc/council/code/sections/28-4601 https://code.dccouncil.gov/us/dc/council/code/sections/28-4603 https://code.dccouncil.gov/us/dc/council/code/sections/28-4604 https://code.dccouncil.gov/us/dc/council/code/sections/28-4605 https://code.dccouncil.gov/us/dc/council/code/sections/28-4606 https://code.dccouncil.gov/us/dc/council/code/sections/28-4607 https://code.dccouncil.gov/us/dc/council/code/sections/28-4608	Fresh operative bodies read; principal reliance 4601(1)–(3), 4603(1),(3)–(7), 4604(a)–(b), complete 4605(a)–(e), 4606(a)–(c), 4607 limited contract/remedy distinction, 4608 rule/form distinction. Section 4605 history: effective March 8, 1991; other sections have their own later histories. Same authority as P02-S001, freshly checked—not independent corroboration. No actual form, registration, or contract approval.
S_DC-P4-S002	D.C. Council — UETA https://code.dccouncil.gov/us/dc/council/code/sections/28-4901 https://code.dccouncil.gov/us/dc/council/code/sections/28-4902 https://code.dccouncil.gov/us/dc/council/code/sections/28-4903 https://code.dccouncil.gov/us/dc/council/code/sections/28-4904 https://code.dccouncil.gov/us/dc/council/code/sections/28-4905 https://code.dccouncil.gov/us/dc/council/code/sections/28-4906 https://code.dccouncil.gov/us/dc/council/code/sections/28-4907 https://code.dccouncil.gov/us/dc/council/code/sections/28-4908 https://code.dccouncil.gov/us/dc/council/code/sections/28-4910 https://code.dccouncil.gov/us/dc/council/code/sections/28-4911 https://code.dccouncil.gov/us/dc/council/code/sections/28-4914	Fresh listed bodies; definitions, scope/exclusions, agreed electronic transactions, recognition, writing/delivery, attribution, acknowledgment, retention, sending/receipt. § 4903 applies to records/signatures on or after October 3, 2001; individual histories include later technical corrections. Not a complete UETA case-law or remote-notarization review.
S_DC-P4-S003	D.C. Council — Uniform Power of Attorney Act https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.02 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.03 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.05 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.06 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.07 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.10 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.11 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.14 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.19 https://code.dccouncil.gov/us/dc/council/code/sections/21-2602.01 https://code.dccouncil.gov/us/dc/council/code/sections/21-2602.08 https://code.dccouncil.gov/us/dc/council/code/sections/21-2602.12 https://code.dccouncil.gov/us/dc/council/code/sections/21-2604.02 https://code.dccouncil.gov/us/dc/council/code/sections/21-2604.03	Fresh selected statutory bodies: definition/scope; execution/validity; designated law; termination/successors/duties; reliance; express delegation; banking/claims authority; E-SIGN savings; transition. Enacted effective February 23, 2023, Law 24-236 § 2(d). Earlier/out-of-state instruments expressly require separate treatment. No actual POA or acknowledgment examined.
S_DC-P4-S004	U.S. House OLRC — E-SIGN https://uscode.house.gov/us/usc/119-134/t15/s7001/ https://uscode.house.gov/us/usc/119-134/t15/s7002/ https://uscode.house.gov/us/usc/119-118/t15/s7003/ https://uscode.house.gov/us/usc/119-118/t15/s7006/	Fresh 7001(a)–(e), 7002, 7003, relevant 7006 definitions. The 119-134 pages displayed currency through P.L. 119-134, October 20, 2026; the other route displayed through P.L. 119-120, October 7, 2026. These are publication bounds, not a fresh complete review of intervening legislation. Interstate-commerce and consumer predicates; statutory exclusions retained.
S_DC-P4-S005	U.S. House OLRC — CROA https://uscode.house.gov/us/usc/119-118/t15/s1679a/ https://uscode.house.gov/us/usc/119-118/t15/s1679b/ https://uscode.house.gov/us/usc/119-134/t15/s1679c/ https://uscode.house.gov/us/usc/119-134/t15/s1679d/ https://uscode.house.gov/us/usc/119-134/t15/s1679e/ https://uscode.house.gov/us/usc/119-134/t15/s1679f/ https://uscode.house.gov/us/usc/119-118/t15/s1679j/	Fresh definitions/exclusions; 1679b(b); complete relevant disclosure/contract/cancellation text in c–e; f; j. Same OLRC publication bounds as S004. Enacted 1996; statutory applicability note retained. No provider-specific coverage decision; no invented business-day calendar.
S_DC-P4-S006	FTC / eCFR — TSR, 16 C.F.R. Part 310 https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2 https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3 https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4 https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6	Fresh selected definitions, 310.3(a)(1), (a)(2)(x), (a)(3); 310.4(a)(2), (a)(5)(i)–(ii), (a)(7); 310.6(b)(3),(5),(6). Title displayed current through October 23, 2026. Title-level update is not section effective date. Applicable telemarketing/FTC jurisdiction and exceptions remain conditional.
S_DC-P4-S007	FTC — 2010 TSR final rule and statement of basis and purpose https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf	Fresh selected III.C.5.a, printed 75 FR 48489 / PDF index 31, including footnotes 427–433; visually inspected. Selected effective-date discussion read. Debt-relief advance-fee provision effective October 27, 2010. Historical final-rule explanation read alongside current S006; not a whole 66-page visual review.
S_DC-P4-S008	CFPB — Regulation E and official interpretations https://www.consumerfinance.gov/rules-policy/regulations/1005/2/ https://www.consumerfinance.gov/rules-policy/regulations/1005/3/ https://www.consumerfinance.gov/rules-policy/regulations/1005/10/	Fresh 1005.2(b),(k); 1005.3(a), relevant coverage; 1005.10(b)–(d) and relevant official comments, particularly authorization/consumer copy and stop-payment. Pages label themselves current regulation. Full amendment chronology and all account exclusions not independently reconstructed. Not reliance on withdrawn guidance.
S_DC-P4-S009	U.S. House OLRC — FCRA selected provisions https://uscode.house.gov/us/usc/119-134/t15/s1681b/ https://uscode.house.gov/us/usc/119-118/t15/s1681j/	Fresh 1681b(a)(2),(f); 1681j(b). Publication bounds as S004. Permissible-purpose and free-disclosure interface only; not full FCRA/privacy/redisclosure coverage.
S_DC-P4-S010	D.C. Council — CPPA and 2026 amending law https://code.dccouncil.gov/us/dc/council/code/sections/28-3901 https://code.dccouncil.gov/us/dc/council/code/sections/28-3904 https://code.dccouncil.gov/us/dc/council/laws/26-187	Fresh 3901(a)(2)–(3), especially (3)(C)(ii); 3904(a)(5)–(7),(20)–(21),(25),(29), (b)(3); Law 26-187 §§ 4(b),4(f),6,8. Relevant amendments effective September 26, 2026; listed funding condition does not include 4(b)/4(f). No full enforcement/remedies or professional-services coverage decision.
S_DC-P4-S011	D.C. Bar — published D.C. Rules of Professional Conduct https://www.dcbar.org/for-lawyers/legal-ethics/rules-of-professional-conduct/client-lawyer-relationship/scope-of-representation https://www.dcbar.org/for-lawyers/legal-ethics/rules-of-professional-conduct/client-lawyer-relationship/confidentiality-of-information https://www.dcbar.org/for-lawyers/legal-ethics/rules-of-professional-conduct/client-lawyer-relationship/declining-or-terminating-representation	Fresh Rules 1.2(a),(c) and relevant comments; 1.6(a),(e),(g); 1.16(a)(3),(c),(d), comments 4,11–12. Published pages identify relevant amendments effective September 15, 2025; underlying adoption order not separately inspected. No lawyer-status lookup.
S_DC-P4-S012	U.S. House OLRC — FAA § 2 https://uscode.house.gov/us/usc/119-121/t9/s2/	Fresh full operative § 2. Page displayed currency through P.L. 119-121, October 9, 2026. Commerce, written agreement, general defenses and statutory exceptions retained; no actual clause evaluated.
S_DC-P4-S013	D.C. Council — Arbitration agreement validity https://code.dccouncil.gov/us/dc/council/code/sections/16-4406	Fresh (a)–(d). Current codified body; not a complete FAA-preemption, delegation, or arbitration dossier.
S_DC-P4-S014	U.S. Supreme Court / GovInfo — CompuCredit, 565 U.S. 95 https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf	Published January 10, 2012 opinion; selected majority pp. 97–104 and disposition; visual p. 98/PDF 3, p. 104/PDF 9. Reversal/remand; coverage reserved in footnote 1. No full later-history certification.
S_DC-P4-S015	D.C. Court of Appeals — Doucette opinion, reproduced by Justia https://law.justia.com/cases/district-of-columbia/court-of-appeals/2023/21-cv-896.html https://cases.justia.com/district-of-columbia/court-of-appeals/2023-21-cv-896.pdf?ts=1674743594	Published January 26, 2023; 288 A.3d 339. Selected slip pp. 1–8,12; visual 5/PDF4, 6/PDF5, 12/PDF11. Court-authored opinion, third-party reproduction; official-host attempt failed. Not an enforcement record or docket search.
S_DC-P4-S016	U.S. Court of Appeals, D.C. Circuit — Walker v. Uber Technologies https://media.cadc.uscourts.gov/opinions/docs/2026/08/24-7154-2190369.pdf	Published August 28, 2026; selected slip pp. 2,9–15,19–20; visual 9/PDF8, 14/PDF13, 20/PDF19. Affirmed denial of arbitration; inquiry-notice sufficiency not finally decided. No subsequent docket-status inquiry.
S_DC-P4-S017	D.C. Court of Appeals — Forrest opinion, reproduced by Justia https://law.justia.com/cases/district-of-columbia/court-of-appeals/2002/01-cv-1101-5.html https://cases.justia.com/district-of-columbia/court-of-appeals/01-cv-1101-5.pdf?ts=1462314236	Published August 29, 2002; 805 A.2d 1007. Selected formation/forum/scope analysis and disposition; visual 4/PDF3, 5/PDF4, 16/PDF15. Affirmed dismissal; not a CCSOA choice-of-law holding.
S_DC-P4-S018	CFPB — Withdrawn guidance register https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/	Fresh relevant entries: contract-terms circular and FCRA permissible-purpose advisory withdrawn May 12, 2025. Register update date is not the legal effective date of underlying statutes/regulations. Used to exclude withdrawn guidance, not as affirmative contract authority.

Captured table 09

Claim ID · Precise assertion · Sources and exact pinpoints · 58 data rows

Claim ID	Precise assertion	Sources and exact pinpoints	Conditions and limits
S_DC-P4-C001	Chapter 46 agreement requirements apply only after coverage and any claimed exclusion are resolved.	S001, §§ 4601, 4606(b).	Consumer purpose, actor and nexus remain conditional.
S_DC-P4-C002	Required information precedes the earlier of execution or receipt of consideration; signed acknowledgment is retained three years.	S001, § 4605(a).	Not satisfied merely by later disclosure.
S_DC-P4-C003	The first four information-statement items concern file access, the stated 30-day circumstance, provider review charge, and disputes concerning the provider-maintained file.	S001, § 4605(b)(1)–(4).	Preserve actual statutory subjects.
S_DC-P4-C004	FCRA’s specified adverse-action free-disclosure period is 60 days, creating a mismatch with D.C.’s 30-day wording.	S009, § 1681j(b); S001, § 4605(b)(2)–(3).	No approved substitute form inferred.
S_DC-P4-C005	Detailed services and total charge must be disclosed.	S001, § 4605(b)(5).	No fee formula or amount approved.
S_DC-P4-C006	Security-right and identifier disclosures appear in § 4605; treatment of a claimed no-security branch remains unresolved.	S001, §§ 4605(b)(6)–(7),4604.	No invented security or omission exception.
S_DC-P4-C007	Direct CRA dispute rights must be disclosed.	S001, § 4605(b)(8).	Does not complete a full FCRA analysis.
S_DC-P4-C008	Covered service agreements must be written, dated and consumer-signed.	S001, § 4605(c).	Electronic satisfaction requires separate predicates.
S_DC-P4-C009	Payment terms include the total of payments to the provider or another person.	S001, § 4605(c)(1).	Unknown future-payment treatment not resolved.
S_DC-P4-C010	Agreement contents include detailed services, proposed credit-information remedies, refund promises and estimated completion.	S001, § 4605(c)(2).	No legal definition of completion supplied.
S_DC-P4-C011	Principal business and registered-agent information is required.	S001, § 4605(c)(3).	Service-of-process role is not automatic cancellation exclusivity.
S_DC-P4-C012	The accompanying cancellation notice must state five calendar days from signing and the specified personal/certified-mail methods.	S001, § 4605(d)(1)–(2).	No automatic ordinary-email equivalence.
S_DC-P4-C013	The notice must state reimbursement within ten days of cancellation-notice receipt.	S001, § 4605(d)(3).	Amount, detailed counting, and payment mechanics not fully specified.
S_DC-P4-C014	Consumer copies of the listed documents are required; no current administrative form is established here.	S001, §§ 4605(e),4608; carried P03 gap.	Statutory content is not agency-form approval.
S_DC-P4-C015	Negotiation, settlement acceptance, account control and data consent require distinct authority analysis.	S003, S006–S009, S011.	No actual instrument supplied.
S_DC-P4-C016	A covered new D.C. POA requires signature and acknowledgment.	S003, §§ 21-2601.02–.03,.05.	Not every service contract is a POA.
S_DC-P4-C017	Prior/out-of-state instruments and electronic acknowledgment have separate validity rules.	S003, §§ .06,21-2604.03; S002, § 4910.	No complete remote-notarial procedure investigated.
S_DC-P4-C018	Properly granted state-law powers can include claims settlement and banking acts.	S003, §§ 21-2602.08,.12.	Scope and limitations control; federal predicates remain.
S_DC-P4-C019	A provider POA cannot replace customer execution of the specific creditor agreement for the TSR fee condition.	S006, § 310.4(a)(5)(i)(A); S007, 75 FR 48489.	Conditional TSR coverage; not a universal invalidity rule for agency settlements.
S_DC-P4-C020	Customer payment must satisfy the actual agreement; artificial subdivision of a required lump sum is insufficient.	S006, § 310.4(a)(5)(i)(B); S007, p. 48489 and n.432.	DMP discussion is separately conditional; allocation still matters.
S_DC-P4-C021	Covered recurring EFTs need consumer-authenticated written authorization and a copy; stop-payment is distinct from debt cancellation.	S008, §§ 1005.2(b),(k),1005.10(b)–(c).	Consumer-account and transfer coverage required.
S_DC-P4-C022	Obtaining/using a consumer report requires a permissible FCRA purpose and applicable certification.	S009, § 1681b(a)(2),(f).	Not blanket privacy or redisclosure permission.
S_DC-P4-C023	Lawyers must respect client settlement decisions and applicable confidentiality restrictions.	S011, Rules 1.2(a),1.6.	Actual lawyer/client relationship not established.
S_DC-P4-C024	UETA recognition does not eliminate agreement, intent, attribution, scope, or excluded-transaction requirements.	S002, §§ 4901–4908.	Context and evidence matter.
S_DC-P4-C025	Required electronic records must meet retainability and retention conditions.	S002, §§ 4907,4911.	A transient or blocked-access page may be insufficient.
S_DC-P4-C026	Specified notice methods are not automatically erased by electronic-signature law.	S002, § 4907; S004, §§ 7001(c)(2),7002.	Exact CCSO email-cancellation interaction unresolved.
S_DC-P4-C027	Electronic receipt can occur without human awareness but requires the statutory system/processing facts.	S002, § 4914.	Sending or acknowledgment does not prove every receipt/content issue.
S_DC-P4-C028	E-SIGN coverage and exclusions must be tested separately from UETA.	S004, §§ 7001,7003,7006.	No universal coverage of every notice.
S_DC-P4-C029	Covered consumer e-disclosures require the § 7001(c) consent/access framework.	S004, § 7001(c)(1)–(2).	State UETA interaction must also be considered.
S_DC-P4-C030	Withdrawal and retention rules do not automatically invalidate all earlier compliant electronic acts.	S004, § 7001(c)(3)–(4),(d)–(e).	Limited statutory safe language is not a general cure.
S_DC-P4-C031	State UETA’s relation to E-SIGN prevents a one-rule-fits-all statement for every state writing.	S004, § 7002; S003, § 21-2604.02.	Precise method/preemption disputes remain held.
S_DC-P4-C032	CROA coverage and exclusions differ from Chapter 46; there is no matching blanket attorney exclusion.	S005, § 1679a(3).	Actual representations, consideration and actor facts required.
S_DC-P4-C033	CROA requires its separate disclosure and two-year signed acknowledgment retention.	S005, § 1679c.	Do not collapse into an undifferentiated contract.
S_DC-P4-C034	CROA requires specified contract terms, cancellation materials and completed copies.	S005, §§ 1679d(b),1679e(b)–(c).	Not a universal D.C. form.
S_DC-P4-C035	CROA’s service-start period begins on signing under § 1679d(a).	S005, § 1679d(a).	No actual business-day computation made.
S_DC-P4-C036	CROA cancellation uses the after-execution/otherwise-enforceable trigger in § 1679e(a).	S005, § 1679e(a).	Separate from the service-start wording.
S_DC-P4-C037	CROA’s form text and operative business-day right use different wording.	S005, § 1679e(a)–(b).	No shortening of the operative right or approved form rewrite.
S_DC-P4-C038	CROA prohibits charge/receipt before full agreed-service performance.	S005, § 1679b(b).	Waiting-period expiration or D.C. security is not an exception.
S_DC-P4-C039	Qualifying TSR account withdrawal requires receipt within seven business days of request, less only fees satisfying all (i)(A)–(C) predicates.	S006, § 310.4(a)(5)(ii)(E).	Independent state/contract entitlement still necessary.
S_DC-P4-C040	TSR coverage depends on the sales process and applicable exceptions.	S006, §§ 310.2,310.6(b)(3),(5),(6).	Web, telephone and face-to-face channels are not interchangeable.
S_DC-P4-C041	Covered sales require specified pre-consent disclosures; credit-repair timing has a separate TSR provision.	S006, §§ 310.3(a)(1),310.4(a)(2).	No full federal overview or universal coverage claim.
S_DC-P4-C042	Canceling the provider contract does not itself establish rescission of a separate creditor agreement or debt forgiveness.	S001 § 4605; S005 § 1679e; S006 § 310.4(a)(5).	Separate agreement, parties, release and performance terms control.
S_DC-P4-C043	A rejected proposal does not satisfy customer execution for covered TSR fee earning.	S006, § 310.4(a)(5)(i)(A); S007 p.48489.	Other compensation questions remain held.
S_DC-P4-C044	A later creditor-installment default does not establish automatic fee retention, clawback, release or balance reinstatement.	S006; actual creditor/provider terms absent.	These outcomes are unresolved, not affirmatively prohibited in every case.
S_DC-P4-C045	CPPA successor/assign provisions preserve specified claims/defenses; POA delegation/succession remains separate.	S010 § 3901(a)(3)(C)(ii); S003 §§ .11,21-2602.01(a)(5).	No assignment or novation approved.
S_DC-P4-C046	POA termination and good-faith action without actual knowledge have distinct rules.	S003, § 21-2601.10.	Revocation notice and actual knowledge are factual issues.
S_DC-P4-C047	Lawyer termination entails client-protection and unearned/unincurred advance-return duties.	S011, Rule 1.16(a)(3),(c)–(d).	Subject to applicable tribunal and lawful dispute rules.
S_DC-P4-C048	Chapter 46 prohibits waiver but § 4606 does not automatically void all noncompliant contracts.	S001, §§ 4603(6),4606,4607.	Full illegality/remedies analysis remains separate.
S_DC-P4-C049	CROA expressly voids noncompliant covered contracts and prohibits waiver.	S005, § 1679f.	Coverage must first be established.
S_DC-P4-C050	Current CPPA contract-related prohibitions and successor language are in amendments not subject to the identified funding condition.	S010, Law26-187 §§4(b),4(f),6; §§3901,3904.	Other amendment provisions not resolved.
S_DC-P4-C051	CROA does not categorically preclude FAA arbitration, but valid agreement and applicable defenses remain necessary.	S012 §2; S014 pp.98–104.	CompuCredit reserved coverage.
S_DC-P4-C052	Doucette rejected the particular arbitration unconscionability challenge, not every possible contract objection.	S015, slip pp.5–6,12.	Delegation/formation limits preserved.
S_DC-P4-C053	Walker distinguishes notice/formation from mere use or message receipt and reserves the inquiry-notice sufficiency question.	S016, slip pp.9,14,20.	Federal application of D.C. law on particular facts.
S_DC-P4-C054	Forrest supports case-specific forum enforcement, not universal evasion of D.C. protective statutes.	S017, slip pp.4–5,16.	Choice-of-law/public-policy application to CCSOs unresolved.
S_DC-P4-C055	POA predispute jury-waiver restrictions require separate FAA/preemption analysis before applying to arbitration.	S003 §§21-2601.19(g),21-2602.12; S012.	No blanket arbitration conclusion.
S_DC-P4-C056	Withdrawn CFPB guidance was not used as operative contract or permissible-purpose authority.	S018; operative S008–S010 instead.	Register check is not a complete guidance-history survey.
S_DC-P4-C057	Current prescribed administrative CCSO contract/forms and implementation rules remain unauthenticated.	Carried P03 finding; S001 §4608.	No failed-route rerun or absence inference.
S_DC-P4-C058	No actual refund amount, lawful fee-retention amount, or completed-service determination is established.	Missing contracts/ledger; S001,S005–S008.	Distinguish money categories and avoid duplicate recovery arithmetic.

Captured table 10

Assigned subquestion · Status · Claims / models · 43 data rows

Assigned subquestion	Status	Claims / models	Exact missing evidence or next bounded investigation
Each § 4605 precontract disclosure	Answered at statutory level	C002–C007; D01–D10	Actual document compliance requires the exact disclosure version and delivery sequence.
Signed acknowledgment and retention	Answered	C002; D02	Generic proof category identified; no actual record examined.
Written/detailed service agreement	Answered at statutory level	C008–C011; D11–D16	Actual terms and future-payment treatment remain unknown.
Cancellation notice contents/method	Answered in text; electronic application partial	C012–C013; D17–D19	Published authority resolving § 4605(d)(2) electronic substitution.
Copies and accessibility	Answered conditionally	C014,C025	Exact versions, delivery and accessibility facts.
State 30-day versus federal 60-day disclosure	Partial reconciliation	C003–C004	Approved interpretive guidance or controlling opinion on compliant combined disclosure wording.
Security-disclosure/no-security branch	Unresolved interpretation	C006	Published rule/opinion addressing § 4605(b)(6)–(7) when no pre-completion money is received.
Mandatory administrative agreement/form	Unresolved; preserved	C014,C057	Authenticated adopted rule/form; no P03 failed-route rerun.
Negotiation versus settlement authority	Answered in legal distinctions	C015–C019; M01	Actual engagement and agency instrument.
POA execution/acknowledgment	Answered for specified statutory branches	C016–C018	Execution location/date, applicable exclusion and acknowledgment facts; remote-notarial details if material.
Customer execution under TSR	Answered conditionally	C019; M01	Specific agreement, customer act, legal validity, TSR coverage.
Payment trigger and bona fide installments	Answered conditionally	C020; M01–M02	Creditor-required payment structure and actual payment evidence.
Recurring debit consent/stop-payment	Answered conditionally	C021	Account/transfer classification and authorization record; one-time-payment issues remain separate.
Record access/sharing	Partial	C022–C023	Actual purpose and scope; broader privacy/redisclosure laws not comprehensively investigated.
UETA scope, agreement and attribution	Answered in text	C024	Actual electronic interaction and identity evidence.
Electronic retainability/record retention	Answered in text	C025	Actual file, access conditions and retention system.
Electronic notice receipt	Answered in text; factual use unresolved	C027	Designated system, processability, retrievability, content and transmission result.
E-SIGN consent, withdrawal and paper options	Answered conditionally	C028–C031	Actual consent sequence; precise state-UETA interaction for disputed notices.
Telephone/web/face-to-face differences	Partial, relevant rules identified	C040–C041	Actual sales flow; no assumption that one channel establishes or removes all coverage.
D.C. five-calendar-day cancellation trigger	Answered	C012	Actual signing event and method evidence needed for application.
D.C. ten-day reimbursement trigger	Answered in text	C013	Receipt event, legally applicable computation rule, amount and payment proof.
Complete D.C. reimbursement formula	Unresolved	C013,C058	Contract, consideration/service history, and applicable interpretation; no fee modeling here.
CROA coverage and actor exclusions	Answered in text; application conditional	C032	Representations, consideration and exact exclusion facts.
CROA separate statement/contract/copies	Answered	C033–C034; F01–F06	Actual completed documents; no substitute form approved.
CROA service-start clock	Answered in text	C035; M03	Business-day calendar and actual signing facts before any dated calculation.
CROA cancellation/enforceability trigger	Answered in text	C036; M03	Execution/enforceability event and applicable counting.
CROA notice wording discrepancy	Partial	C037	No approved corrective form or controlling interpretation authenticated.
CROA pre-performance fee restriction	Answered conditionally	C038	Coverage and actual full performance; no state-security exception.
TSR seven-business-day receipt requirement	Answered conditionally	C039; M02	Account conditions, request, actual receipt, and all earned-fee predicates.
Provider termination versus creditor release	Answered as distinction; outcome unresolved	C042	Creditor agreement, release, payment and rescission terms.
Rejected settlement proposal	Answered for TSR predicate	C043; M01	Other state/contract compensation consequences remain held.
Failed performance and refund promises	Partial	C010,C048–C050,C058	Actual promise, material breach facts and focused remedy authority if later assigned.
Failed creditor installment	Unresolved outcome	C044	Default, cure, acceleration, release and fee provisions; no automatic inference.
Provider service/term changes	Partial	C024,C029,C045	Modification terms and assent; whether new statutory clocks attach to a particular change.
Assignment/replacement provider	Partial	C045–C046	Assignment/novation terms, agency succession, consent and notice facts.
Attorney discharge/termination	Answered in rule text	C023,C047	Actual attorney relationship, tribunal involvement and fee/property status.
Nonwaiver and automatic voidness	Answered with distinction	C048–C049	Common-law illegality/rescission and full remedies remain outside this pass.
Choice of law/forum	Partial	C054	Actual clause, nexus and applicable conflicts/public-policy analysis.
Arbitration/POA restrictions	Partial	C051–C055	Actual assent, clause, delegation and FAA-preemption issues; no full arbitration dossier.
Current CPPA contract-related prohibitions	Answered at selected-provision level	C050	Actual consumer/merchant/professional-service coverage remains conditional.
Opinion posture and read limits	Answered	C051–C054; S014–S017	Comprehensive later-history/citator work not performed.
Actual provider/contract approval	Excluded	All models	No actual provider, agreement or authorization facts supplied or searched.
Remaining state-parent/A066 categories	Excluded and preserved	C057–C058	Later authorized passes; no acceptance by implication.

Captured table 11

Log item · Actual action/result · Evidentiary treatment · 16 data rows

Log item	Actual action/result	Evidentiary treatment
Chapter 46 relevant bodies	Freshly read § 4605 in full and necessary definitions/adjacent conditions.	New contract findings supported; no access/procedure rerun.
UETA, POA, E-SIGN, CROA	Read the listed statutory bodies and selected operative subsections.	No assertion that every related statute, rule or opinion was reviewed.
TSR/current federal sources	Read current specified eCFR provisions and final-rule explanation; inspected the pertinent final-rule PDF page.	Historical preamble distinguished from current codified rule.
Regulation E/FCRA	Read operative provisions and relevant official interpretations.	No reliance on a withdrawn bulletin or advisory.
CPPA amendment currentness	Read pertinent 2026 amendatory provisions and funding/effective clauses.	Did not generalize the result to all enforcement/remedy amendments.
CFPB guidance register	Checked withdrawn-guidance entries before using any guidance theory.	Withdrawn contract/permissible-purpose materials excluded.
Supreme Court initial route	https://www.supremecourt.gov/opinions/11pdf/10-948.pdf failed.	Recovered the published opinion through S014’s official GovInfo URL; no unchanged retry loop.
D.C. official Doucette route	https://www.dccourts.gov/sites/default/files/2023-01/Doucette%20v%20Neutron%20Holdings%2021-CV-896.pdf returned an access failure.	Used the court-authored published opinion reproduced at S015; hosting limitation disclosed.
Additional agency-opinion lead	https://www.dccourts.gov/sites/default/files/pdf-opinions/02-SP-241.PDF failed.	Not used as authority; no claim to have read that opinion.
Mistyped/nonexistent POA locator	https://code.dccouncil.gov/us/dc/council/code/sections/21-2604.04 did not yield authority.	No legal inference; relevant transition provision is the actually read § 21-2604.03.
Alternate FAA locator	https://uscode.house.gov/us/usc/t9/s2/ failed.	Used the actually read versioned S012 URL.
Wrong CFPB guidance path	https://www.consumerfinance.gov/compliance/supervisory-guidance/withdrawn-guidance/ did not supply the register.	Recovered the actual S018 register; wrong path not treated as absence of withdrawn guidance.
PDF visual reads	S007: index31; S014: indexes3,9; S015:4,5,11; S016:8,13,19; S017:3,4,15.	These exact pages were visually inspected. Parsed text elsewhere is not described as visual inspection.
P03 failed procedure/rule routes	Not rerun.	P03’s unresolved administrative-form/procedure findings preserved.
Historical enforcement materials	Not used for new merits findings.	Complaints/consent resolutions not substituted for controlling law.
Identifier/status searches	None performed.	No actual or hypothetical provider, license, account, borrower, property, roster or docket-status result.

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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.

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S_DC-P4-C001 Saved research record

Chapter 46 agreement requirements apply only after coverage and any claimed exclusion are resolved.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S001, §§ 4601, 4606(b).
Conditions and limits: Consumer purpose, actor and nexus remain conditional.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C001", "original_visible_claim_id": "S_DC-P4-C001", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [1], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C002 Saved research record

Required information precedes the earlier of execution or receipt of consideration; signed acknowledgment is retained three years.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S001, § 4605(a).
Conditions and limits: Not satisfied merely by later disclosure.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C002", "original_visible_claim_id": "S_DC-P4-C002", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [1], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C003 Saved research record

The first four information-statement items concern file access, the stated 30-day circumstance, provider review charge, and disputes concerning the provider-maintained file.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S001, § 4605(b)(1)–(4).
Conditions and limits: Preserve actual statutory subjects.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C003", "original_visible_claim_id": "S_DC-P4-C003", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [1], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C004 Saved research record

FCRA’s specified adverse-action free-disclosure period is 60 days, creating a mismatch with D.C.’s 30-day wording.

Recorded check status: scoped record reconciliation FCRA reverification hold

Sources and exact pinpoints: S009, § 1681j(b); S001, § 4605(b)(2)–(3).
Conditions and limits: No approved substitute form inferred.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C004", "original_visible_claim_id": "S_DC-P4-C004", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [1, 9], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": true}

S_DC-P4-C005 Saved research record

Detailed services and total charge must be disclosed.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S001, § 4605(b)(5).
Conditions and limits: No fee formula or amount approved.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C005", "original_visible_claim_id": "S_DC-P4-C005", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [1], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C006 Saved research record

Security-right and identifier disclosures appear in § 4605; treatment of a claimed no-security branch remains unresolved.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S001, §§ 4605(b)(6)–(7),4604.
Conditions and limits: No invented security or omission exception.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C006", "original_visible_claim_id": "S_DC-P4-C006", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [1], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C007 Saved research record

Direct CRA dispute rights must be disclosed.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S001, § 4605(b)(8).
Conditions and limits: Does not complete a full FCRA analysis.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C007", "original_visible_claim_id": "S_DC-P4-C007", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [1], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C008 Saved research record

Covered service agreements must be written, dated and consumer-signed.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S001, § 4605(c).
Conditions and limits: Electronic satisfaction requires separate predicates.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C008", "original_visible_claim_id": "S_DC-P4-C008", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [1], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C009 Saved research record

Payment terms include the total of payments to the provider or another person.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S001, § 4605(c)(1).
Conditions and limits: Unknown future-payment treatment not resolved.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C009", "original_visible_claim_id": "S_DC-P4-C009", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [1], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C010 Saved research record

Agreement contents include detailed services, proposed credit-information remedies, refund promises and estimated completion.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S001, § 4605(c)(2).
Conditions and limits: No legal definition of completion supplied.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C010", "original_visible_claim_id": "S_DC-P4-C010", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [1], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C011 Saved research record

Principal business and registered-agent information is required.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S001, § 4605(c)(3).
Conditions and limits: Service-of-process role is not automatic cancellation exclusivity.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C011", "original_visible_claim_id": "S_DC-P4-C011", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [1], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C012 Saved research record

The accompanying cancellation notice must state five calendar days from signing and the specified personal/certified-mail methods.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S001, § 4605(d)(1)–(2).
Conditions and limits: No automatic ordinary-email equivalence.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C012", "original_visible_claim_id": "S_DC-P4-C012", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [1], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C013 Saved research record

The notice must state reimbursement within ten days of cancellation-notice receipt.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S001, § 4605(d)(3).
Conditions and limits: Amount, detailed counting, and payment mechanics not fully specified.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C013", "original_visible_claim_id": "S_DC-P4-C013", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [1], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C014 Saved research record

Consumer copies of the listed documents are required; no current administrative form is established here.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S001, §§ 4605(e),4608; carried P03 gap.
Conditions and limits: Statutory content is not agency-form approval.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C014", "original_visible_claim_id": "S_DC-P4-C014", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [1], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C015 Saved research record

Negotiation, settlement acceptance, account control and data consent require distinct authority analysis.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S003, S006–S009, S011.
Conditions and limits: No actual instrument supplied.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C015", "original_visible_claim_id": "S_DC-P4-C015", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [3, 6, 7, 8, 9, 11], "source_ranges_expanded": [[6, 9]], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C016 Saved research record

A covered new D.C. POA requires signature and acknowledgment.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S003, §§ 21-2601.02–.03,.05.
Conditions and limits: Not every service contract is a POA.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C016", "original_visible_claim_id": "S_DC-P4-C016", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [3], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C017 Saved research record

Prior/out-of-state instruments and electronic acknowledgment have separate validity rules.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S003, §§ .06,21-2604.03; S002, § 4910.
Conditions and limits: No complete remote-notarial procedure investigated.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C017", "original_visible_claim_id": "S_DC-P4-C017", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [2, 3], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C018 Saved research record

Properly granted state-law powers can include claims settlement and banking acts.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S003, §§ 21-2602.08,.12.
Conditions and limits: Scope and limitations control; federal predicates remain.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C018", "original_visible_claim_id": "S_DC-P4-C018", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [3], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C019 Saved research record

A provider POA cannot replace customer execution of the specific creditor agreement for the TSR fee condition.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S006, § 310.4(a)(5)(i)(A); S007, 75 FR 48489.
Conditions and limits: Conditional TSR coverage; not a universal invalidity rule for agency settlements.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C019", "original_visible_claim_id": "S_DC-P4-C019", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [6, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C020 Saved research record

Customer payment must satisfy the actual agreement; artificial subdivision of a required lump sum is insufficient.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S006, § 310.4(a)(5)(i)(B); S007, p. 48489 and n.432.
Conditions and limits: DMP discussion is separately conditional; allocation still matters.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C020", "original_visible_claim_id": "S_DC-P4-C020", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [6, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C021 Saved research record

Covered recurring EFTs need consumer-authenticated written authorization and a copy; stop-payment is distinct from debt cancellation.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S008, §§ 1005.2(b),(k),1005.10(b)–(c).
Conditions and limits: Consumer-account and transfer coverage required.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C021", "original_visible_claim_id": "S_DC-P4-C021", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [8], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C022 Saved research record

Obtaining/using a consumer report requires a permissible FCRA purpose and applicable certification.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S009, § 1681b(a)(2),(f).
Conditions and limits: Not blanket privacy or redisclosure permission.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C022", "original_visible_claim_id": "S_DC-P4-C022", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [9], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C023 Saved research record

Lawyers must respect client settlement decisions and applicable confidentiality restrictions.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S011, Rules 1.2(a),1.6.
Conditions and limits: Actual lawyer/client relationship not established.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C023", "original_visible_claim_id": "S_DC-P4-C023", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [11], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C024 Saved research record

UETA recognition does not eliminate agreement, intent, attribution, scope, or excluded-transaction requirements.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S002, §§ 4901–4908.
Conditions and limits: Context and evidence matter.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C024", "original_visible_claim_id": "S_DC-P4-C024", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [2], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C025 Saved research record

Required electronic records must meet retainability and retention conditions.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S002, §§ 4907,4911.
Conditions and limits: A transient or blocked-access page may be insufficient.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C025", "original_visible_claim_id": "S_DC-P4-C025", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [2], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C026 Saved research record

Specified notice methods are not automatically erased by electronic-signature law.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S002, § 4907; S004, §§ 7001(c)(2),7002.
Conditions and limits: Exact CCSO email-cancellation interaction unresolved.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C026", "original_visible_claim_id": "S_DC-P4-C026", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [2, 4], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C027 Saved research record

Electronic receipt can occur without human awareness but requires the statutory system/processing facts.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S002, § 4914.
Conditions and limits: Sending or acknowledgment does not prove every receipt/content issue.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C027", "original_visible_claim_id": "S_DC-P4-C027", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [2], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C028 Saved research record

E-SIGN coverage and exclusions must be tested separately from UETA.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S004, §§ 7001,7003,7006.
Conditions and limits: No universal coverage of every notice.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C028", "original_visible_claim_id": "S_DC-P4-C028", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [4], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C029 Saved research record

Covered consumer e-disclosures require the § 7001(c) consent/access framework.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S004, § 7001(c)(1)–(2).
Conditions and limits: State UETA interaction must also be considered.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C029", "original_visible_claim_id": "S_DC-P4-C029", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [4], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C030 Saved research record

Withdrawal and retention rules do not automatically invalidate all earlier compliant electronic acts.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S004, § 7001(c)(3)–(4),(d)–(e).
Conditions and limits: Limited statutory safe language is not a general cure.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C030", "original_visible_claim_id": "S_DC-P4-C030", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [4], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C031 Saved research record

State UETA’s relation to E-SIGN prevents a one-rule-fits-all statement for every state writing.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S004, § 7002; S003, § 21-2604.02.
Conditions and limits: Precise method/preemption disputes remain held.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C031", "original_visible_claim_id": "S_DC-P4-C031", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [3, 4], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C032 Saved research record

CROA coverage and exclusions differ from Chapter 46; there is no matching blanket attorney exclusion.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S005, § 1679a(3).
Conditions and limits: Actual representations, consideration and actor facts required.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C032", "original_visible_claim_id": "S_DC-P4-C032", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [5], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C033 Saved research record

CROA requires its separate disclosure and two-year signed acknowledgment retention.

Recorded check status: scoped reconciliation underlying duty supported F02 pinpoint correction UNSENT

Sources and exact pinpoints: S005, § 1679c.
Conditions and limits: Do not collapse into an undifferentiated contract.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C033", "original_visible_claim_id": "S_DC-P4-C033", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [5], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": ["S_DC-P4-F001"], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C034 Saved research record

CROA requires specified contract terms, cancellation materials and completed copies.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S005, §§ 1679d(b),1679e(b)–(c).
Conditions and limits: Not a universal D.C. form.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C034", "original_visible_claim_id": "S_DC-P4-C034", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [5], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C035 Saved research record

CROA’s service-start period begins on signing under § 1679d(a).

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S005, § 1679d(a).
Conditions and limits: No actual business-day computation made.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C035", "original_visible_claim_id": "S_DC-P4-C035", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [5], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C036 Saved research record

CROA cancellation uses the after-execution/otherwise-enforceable trigger in § 1679e(a).

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S005, § 1679e(a).
Conditions and limits: Separate from the service-start wording.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C036", "original_visible_claim_id": "S_DC-P4-C036", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [5], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C037 Saved research record

CROA’s form text and operative business-day right use different wording.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S005, § 1679e(a)–(b).
Conditions and limits: No shortening of the operative right or approved form rewrite.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C037", "original_visible_claim_id": "S_DC-P4-C037", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [5], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C038 Saved research record

CROA prohibits charge/receipt before full agreed-service performance.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S005, § 1679b(b).
Conditions and limits: Waiting-period expiration or D.C. security is not an exception.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C038", "original_visible_claim_id": "S_DC-P4-C038", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [5], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C039 Saved research record

Qualifying TSR account withdrawal requires receipt within seven business days of request, less only fees satisfying all (i)(A)–(C) predicates.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S006, § 310.4(a)(5)(ii)(E).
Conditions and limits: Independent state/contract entitlement still necessary.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C039", "original_visible_claim_id": "S_DC-P4-C039", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [6], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C040 Saved research record

TSR coverage depends on the sales process and applicable exceptions.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S006, §§ 310.2,310.6(b)(3),(5),(6).
Conditions and limits: Web, telephone and face-to-face channels are not interchangeable.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C040", "original_visible_claim_id": "S_DC-P4-C040", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [6], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C041 Saved research record

Covered sales require specified pre-consent disclosures; credit-repair timing has a separate TSR provision.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S006, §§ 310.3(a)(1),310.4(a)(2).
Conditions and limits: No full federal overview or universal coverage claim.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C041", "original_visible_claim_id": "S_DC-P4-C041", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [6], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C042 Saved research record

Canceling the provider contract does not itself establish rescission of a separate creditor agreement or debt forgiveness.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S001 § 4605; S005 § 1679e; S006 § 310.4(a)(5).
Conditions and limits: Separate agreement, parties, release and performance terms control.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C042", "original_visible_claim_id": "S_DC-P4-C042", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [1, 5, 6], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C043 Saved research record

A rejected proposal does not satisfy customer execution for covered TSR fee earning.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S006, § 310.4(a)(5)(i)(A); S007 p.48489.
Conditions and limits: Other compensation questions remain held.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C043", "original_visible_claim_id": "S_DC-P4-C043", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [6, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C044 Saved research record

A later creditor-installment default does not establish automatic fee retention, clawback, release or balance reinstatement.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S006; actual creditor/provider terms absent.
Conditions and limits: These outcomes are unresolved, not affirmatively prohibited in every case.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C044", "original_visible_claim_id": "S_DC-P4-C044", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [6], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C045 Saved research record

CPPA successor/assign provisions preserve specified claims/defenses; POA delegation/succession remains separate.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S010 § 3901(a)(3)(C)(ii); S003 §§ .11,21-2602.01(a)(5).
Conditions and limits: No assignment or novation approved.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C045", "original_visible_claim_id": "S_DC-P4-C045", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [3, 10], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C046 Saved research record

POA termination and good-faith action without actual knowledge have distinct rules.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S003, § 21-2601.10.
Conditions and limits: Revocation notice and actual knowledge are factual issues.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C046", "original_visible_claim_id": "S_DC-P4-C046", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [3], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C047 Saved research record

Lawyer termination entails client-protection and unearned/unincurred advance-return duties.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S011, Rule 1.16(a)(3),(c)–(d).
Conditions and limits: Subject to applicable tribunal and lawful dispute rules.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C047", "original_visible_claim_id": "S_DC-P4-C047", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [11], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C048 Saved research record

Chapter 46 prohibits waiver but § 4606 does not automatically void all noncompliant contracts.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S001, §§ 4603(6),4606,4607.
Conditions and limits: Full illegality/remedies analysis remains separate.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C048", "original_visible_claim_id": "S_DC-P4-C048", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [1], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C049 Saved research record

CROA expressly voids noncompliant covered contracts and prohibits waiver.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S005, § 1679f.
Conditions and limits: Coverage must first be established.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C049", "original_visible_claim_id": "S_DC-P4-C049", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [5], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C050 Saved research record

Current CPPA contract-related prohibitions and successor language are in amendments not subject to the identified funding condition.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S010, Law26-187 §§4(b),4(f),6; §§3901,3904.
Conditions and limits: Other amendment provisions not resolved.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C050", "original_visible_claim_id": "S_DC-P4-C050", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [10], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C051 Saved research record

CROA does not categorically preclude FAA arbitration, but valid agreement and applicable defenses remain necessary.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S012 §2; S014 pp.98–104.
Conditions and limits: CompuCredit reserved coverage.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C051", "original_visible_claim_id": "S_DC-P4-C051", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [12, 14], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C052 Saved research record

Doucette rejected the particular arbitration unconscionability challenge, not every possible contract objection.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S015, slip pp.5–6,12.
Conditions and limits: Delegation/formation limits preserved.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C052", "original_visible_claim_id": "S_DC-P4-C052", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [15], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C053 Saved research record

Walker distinguishes notice/formation from mere use or message receipt and reserves the inquiry-notice sufficiency question.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S016, slip pp.9,14,20.
Conditions and limits: Federal application of D.C. law on particular facts.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C053", "original_visible_claim_id": "S_DC-P4-C053", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [16], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C054 Saved research record

Forrest supports case-specific forum enforcement, not universal evasion of D.C. protective statutes.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S017, slip pp.4–5,16.
Conditions and limits: Choice-of-law/public-policy application to CCSOs unresolved.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C054", "original_visible_claim_id": "S_DC-P4-C054", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [17], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C055 Saved research record

POA predispute jury-waiver restrictions require separate FAA/preemption analysis before applying to arbitration.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S003 §§21-2601.19(g),21-2602.12; S012.
Conditions and limits: No blanket arbitration conclusion.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C055", "original_visible_claim_id": "S_DC-P4-C055", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [3, 12], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C056 Saved research record

Withdrawn CFPB guidance was not used as operative contract or permissible-purpose authority.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: S018; operative S008–S010 instead.
Conditions and limits: Register check is not a complete guidance-history survey.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C056", "original_visible_claim_id": "S_DC-P4-C056", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [8, 9, 10, 18], "source_ranges_expanded": [[8, 10]], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C057 Saved research record

Current prescribed administrative CCSO contract/forms and implementation rules remain unauthenticated.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: Carried P03 finding; S001 §4608.
Conditions and limits: No failed-route rerun or absence inference.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C057", "original_visible_claim_id": "S_DC-P4-C057", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [1], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": false}

S_DC-P4-C058 Saved research record

No actual refund amount, lawful fee-retention amount, or completed-service determination is established.

Recorded check status: scoped record reconciliation selected bodies source currentness contract application holds

Sources and exact pinpoints: Missing contracts/ledger; S001,S005–S008.
Conditions and limits: Distinguish money categories and avoid duplicate recovery arithmetic.

Recorded coordinator check boundaries

coordinator review note: {"claim_id": "S_DC-P4-C058", "original_visible_claim_id": "S_DC-P4-C058", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_area_numbers_preserved": [66], "explicit_source_numbers": [1, 5, 6, 7, 8], "source_ranges_expanded": [[5, 8]], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_conditions_and_holds_retained": true, "linked_audit_F02_citation_only_UNSENT": [], "claim_itself_wrong": false, "FCRAcurrentbody_reverification_hold": 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

S_DC-P4-S001 Saved research record

D.C. Council / Law Library — CCSOA, Chapter 46 https://code.dccouncil.gov/us/dc/council/code/sections/28-4601 https://code.dccouncil.gov/us/dc/council/code/sections/28-4603 https://code.dccouncil.gov/us/dc/council/code/sections/28-4604 https://code.dccouncil.gov/us/dc/council/code/sections/28-4605 https://code.dccouncil.gov/us/dc/council/code/sections/28-4606 https://code.dccouncil.gov/us/dc/council/code/sections/28-4607 https://code.dccouncil.gov/us/dc/council/code/sections/28-4608

Recorded check status: scoped selected body with limits

Exact pinpoints, version/effective status, and actual read limits: Fresh operative bodies read; principal reliance 4601(1)–(3), 4603(1),(3)–(7), 4604(a)–(b), complete 4605(a)–(e), 4606(a)–(c), 4607 limited contract/remedy distinction, 4608 rule/form distinction. Section 4605 history: effective March 8, 1991; other sections have their own later histories. Same authority as P02-S001, freshly checked—not independent corroboration. No actual form, registration, or contract approval.
Direct source URLs: https://code.dccouncil.gov/us/dc/council/code/sections/28-4601
https://code.dccouncil.gov/us/dc/council/code/sections/28-4603
https://code.dccouncil.gov/us/dc/council/code/sections/28-4604
https://code.dccouncil.gov/us/dc/council/code/sections/28-4605
https://code.dccouncil.gov/us/dc/council/code/sections/28-4606
https://code.dccouncil.gov/us/dc/council/code/sections/28-4607
https://code.dccouncil.gov/us/dc/council/code/sections/28-4608

Recorded coordinator check boundaries

coordinator review note: {"source_id": "S_DC-P4-S001", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "fresh_read_map_entries": [{"chunk": 0, "URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-4605", "packet_character_bounds": [0, 5190], "PDF_page_tags": [], "source_id": "S_DC-P4-S001", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 49]], "actual_numbered_lines_read": [[0, 49]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 1, "URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-4603", "packet_character_bounds": [5270, 8419], "PDF_page_tags": [], "source_id": "S_DC-P4-S001", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 45]], "actual_numbered_lines_read": [[0, 45]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 2, "URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-4606", "packet_character_bounds": [8499, 10087], "PDF_page_tags": [], "source_id": "S_DC-P4-S001", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 27]], "actual_numbered_lines_read": [[0, 27]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 3, "URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-4604", "packet_character_bounds": [10167, 12241], "PDF_page_tags": [], "source_id": "S_DC-P4-S001", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 29]], "actual_numbered_lines_read": [[0, 29]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}], "selected_body_checks": [{"source_id": "S_DC-P4-S001", "evidence_URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-4605", "line_range": [7, 45], "scope": "Complete operative disclosure, acknowledgment3years, all8items, signeddatedagreement/paymentstotal/services/addresses,5CALENDARdays,method,10daysfromRECEIPT,copies; notactualform/refundsum", "evidence": [{"source_id": "S_DC-P4-S001", "actual_URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-4605", "packet": "[internal evidence reference]", "chunk": 0, "actual_numbered_lines": [[7, 45]], "packet_character_bounds": [0, 5190], "dated_reuse": false}], "fresh_PDFpixels": false}, {"source_id": "S_DC-P4-S001", "evidence_URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-4603", "line_range": [9, 32], "scope": "Conditionalprecompletionsecurity/nofalsityoromission/nonwaiver/noncompliance; notfederalfeepermission", "evidence": [{"source_id": "S_DC-P4-S001", "actual_URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-4603", "packet": "[internal evidence reference]", "chunk": 1, "actual_numbered_lines": [[9, 32]], "packet_character_bounds": [5270, 8419], "dated_reuse": false}], "fresh_PDFpixels": false}, {"source_id": "S_DC-P4-S001", "evidence_URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-4604", "line_range": [7, 12], "scope": "Providersecurity25kbondortrust/precompletioncondition/refundanddamagesuses; notconsumersettlementaccount/fullfundsreview", "evidence": [{"source_id": "S_DC-P4-S001", "actual_URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-4604", "packet": "[internal evidence reference]", "chunk": 3, "actual_numbered_lines": [[7, 12]], "packet_character_bounds": [10167, 12241], "dated_reuse": false}], "fresh_PDFpixels": false}, {"source_id": "S_DC-P4-S001", "evidence_URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-4606", "line_range": [7, 14], "scope": "Hearing/claimantexemptionburden/savings; noautomaticwholecontractvoidness", "evidence": [{"source_id": "S_DC-P4-S001", "actual_URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-4606", "packet": "[internal evidence reference]", "chunk": 2, "actual_numbered_lines": [[7, 14]], "packet_character_bounds": [8499, 10087], "dated_reuse": false}], "fresh_PDFpixels": false}], "dated_reuse": [], "fresh_failed_events": [], "linked_UNSENT_findings": [], "status": "Selectedcurrent/historicalbodywithlimits", "all_current_primary_source_accepted": false, "original_failures_secondary_versions_pixels_citations_application_holds_retained": true}

S_DC-P4-S002 Saved research record

D.C. Council — UETA https://code.dccouncil.gov/us/dc/council/code/sections/28-4901 https://code.dccouncil.gov/us/dc/council/code/sections/28-4902 https://code.dccouncil.gov/us/dc/council/code/sections/28-4903 https://code.dccouncil.gov/us/dc/council/code/sections/28-4904 https://code.dccouncil.gov/us/dc/council/code/sections/28-4905 https://code.dccouncil.gov/us/dc/council/code/sections/28-4906 https://code.dccouncil.gov/us/dc/council/code/sections/28-4907 https://code.dccouncil.gov/us/dc/council/code/sections/28-4908 https://code.dccouncil.gov/us/dc/council/code/sections/28-4910 https://code.dccouncil.gov/us/dc/council/code/sections/28-4911 https://code.dccouncil.gov/us/dc/council/code/sections/28-4914

Recorded check status: scoped selected body with limits

Exact pinpoints, version/effective status, and actual read limits: Fresh listed bodies; definitions, scope/exclusions, agreed electronic transactions, recognition, writing/delivery, attribution, acknowledgment, retention, sending/receipt. § 4903 applies to records/signatures on or after October 3, 2001; individual histories include later technical corrections. Not a complete UETA case-law or remote-notarization review.
Direct source URLs: https://code.dccouncil.gov/us/dc/council/code/sections/28-4901
https://code.dccouncil.gov/us/dc/council/code/sections/28-4902
https://code.dccouncil.gov/us/dc/council/code/sections/28-4903
https://code.dccouncil.gov/us/dc/council/code/sections/28-4904
https://code.dccouncil.gov/us/dc/council/code/sections/28-4905
https://code.dccouncil.gov/us/dc/council/code/sections/28-4906
https://code.dccouncil.gov/us/dc/council/code/sections/28-4907
https://code.dccouncil.gov/us/dc/council/code/sections/28-4908
https://code.dccouncil.gov/us/dc/council/code/sections/28-4910
https://code.dccouncil.gov/us/dc/council/code/sections/28-4911
https://code.dccouncil.gov/us/dc/council/code/sections/28-4914

Recorded coordinator check boundaries

coordinator review note: {"source_id": "S_DC-P4-S002", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "fresh_read_map_entries": [{"chunk": 5, "URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-4907", "packet_character_bounds": [13932, 17552], "PDF_page_tags": [], "source_id": "S_DC-P4-S002", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 42]], "actual_numbered_lines_read": [[0, 42]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 6, "URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-4914", "packet_character_bounds": [17632, 21978], "PDF_page_tags": [], "source_id": "S_DC-P4-S002", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 49]], "actual_numbered_lines_read": [[0, 49]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 6, "URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-4904", "packet_character_bounds": [17854, 20563], "PDF_page_tags": [], "source_id": "S_DC-P4-S002", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 36]], "actual_numbered_lines_read": [[0, 36]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 7, "URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-4908", "packet_character_bounds": [20643, 22844], "PDF_page_tags": [], "source_id": "S_DC-P4-S002", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 32]], "actual_numbered_lines_read": [[0, 32]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 8, "URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-4911", "packet_character_bounds": [22924, 26267], "PDF_page_tags": [], "source_id": "S_DC-P4-S002", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 47]], "actual_numbered_lines_read": [[0, 47]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}], "selected_body_checks": [{"source_id": "S_DC-P4-S002", "evidence_URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-4904", "line_range": [7, 16], "scope": "Electronicagreement from context and conduct, othertransactions refusal, otherlaw retained", "evidence": [{"source_id": "S_DC-P4-S002", "actual_URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-4904", "packet": "[internal evidence reference]", "chunk": 6, "actual_numbered_lines": [[7, 16]], "packet_character_bounds": [17854, 20563], "dated_reuse": false}], "fresh_PDFpixels": false}, {"source_id": "S_DC-P4-S002", "evidence_URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-4907", "line_range": [7, 23], "scope": "Retainableatreceipt; no inhibitedstoreprint; specifiedmethods/formatsretained withlimitedfirstclassmailvariation", "evidence": [{"source_id": "S_DC-P4-S002", "actual_URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-4907", "packet": "[internal evidence reference]", "chunk": 5, "actual_numbered_lines": [[7, 23]], "packet_character_bounds": [13932, 17552], "dated_reuse": false}], "fresh_PDFpixels": false}, {"source_id": "S_DC-P4-S002", "evidence_URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-4908", "line_range": [7, 12], "scope": "Actattribution andcontext/legal effect nottimestampalone", "evidence": [{"source_id": "S_DC-P4-S002", "actual_URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-4908", "packet": "[internal evidence reference]", "chunk": 7, "actual_numbered_lines": [[7, 12]], "packet_character_bounds": [20643, 22844], "dated_reuse": false}], "fresh_PDFpixels": false}, {"source_id": "S_DC-P4-S002", "evidence_URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-4911", "line_range": [7, 23], "scope": "Accurateaccessibleelectronicretention; originalrecord andotheragencyconditions", "evidence": [{"source_id": "S_DC-P4-S002", "actual_URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-4911", "packet": "[internal evidence reference]", "chunk": 8, "actual_numbered_lines": [[7, 23]], "packet_character_bounds": [22924, 26267], "dated_reuse": false}], "fresh_PDFpixels": false}, {"source_id": "S_DC-P4-S002", "evidence_URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-4914", "line_range": [7, 29], "scope": "Sending andreceiptdesignatedusedprocessable/retrievablesystem,awarenessnotnecessary,acknotcontentidentity,knownfailure/otherlaw", "evidence": [{"source_id": "S_DC-P4-S002", "actual_URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-4914", "packet": "[internal evidence reference]", "chunk": 6, "actual_numbered_lines": [[7, 29]], "packet_character_bounds": [17632, 21978], "dated_reuse": false}], "fresh_PDFpixels": false}], "dated_reuse": [], "fresh_failed_events": [], "linked_UNSENT_findings": [], "status": "Selectedcurrent/historicalbodywithlimits", "all_current_primary_source_accepted": false, "original_failures_secondary_versions_pixels_citations_application_holds_retained": true}

S_DC-P4-S003 Saved research record

D.C. Council — Uniform Power of Attorney Act https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.02 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.03 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.05 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.06 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.07 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.10 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.11 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.14 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.19 https://code.dccouncil.gov/us/dc/council/code/sections/21-2602.01 https://code.dccouncil.gov/us/dc/council/code/sections/21-2602.08 https://code.dccouncil.gov/us/dc/council/code/sections/21-2602.12 https://code.dccouncil.gov/us/dc/council/code/sections/21-2604.02 https://code.dccouncil.gov/us/dc/council/code/sections/21-2604.03

Recorded check status: scoped selected body with limits

Exact pinpoints, version/effective status, and actual read limits: Fresh selected statutory bodies: definition/scope; execution/validity; designated law; termination/successors/duties; reliance; express delegation; banking/claims authority; E-SIGN savings; transition. Enacted effective February 23, 2023, Law 24-236 § 2(d). Earlier/out-of-state instruments expressly require separate treatment. No actual POA or acknowledgment examined.
Direct source URLs: https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.02
https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.03
https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.05
https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.06
https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.07
https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.10
https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.11
https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.14
https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.19
https://code.dccouncil.gov/us/dc/council/code/sections/21-2602.01
https://code.dccouncil.gov/us/dc/council/code/sections/21-2602.08
https://code.dccouncil.gov/us/dc/council/code/sections/21-2602.12
https://code.dccouncil.gov/us/dc/council/code/sections/21-2604.02
https://code.dccouncil.gov/us/dc/council/code/sections/21-2604.03

Recorded coordinator check boundaries

coordinator review note: {"source_id": "S_DC-P4-S003", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "fresh_read_map_entries": [{"chunk": 4, "URL": "https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.05", "packet_character_bounds": [12321, 13852], "PDF_page_tags": [], "source_id": "S_DC-P4-S003", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 21]], "actual_numbered_lines_read": [[0, 21]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}], "selected_body_checks": [{"source_id": "S_DC-P4-S003", "evidence_URL": "https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.05", "line_range": [7, 12], "scope": "Signature and acknowledgment validity of instrument executed under chapter; notroutineclick/exclusion/outofstate instrumentanalysis", "evidence": [{"source_id": "S_DC-P4-S003", "actual_URL": "https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.05", "packet": "[internal evidence reference]", "chunk": 4, "actual_numbered_lines": [[7, 12]], "packet_character_bounds": [12321, 13852], "dated_reuse": false}], "fresh_PDFpixels": false}], "dated_reuse": [], "fresh_failed_events": [], "linked_UNSENT_findings": [], "status": "Selectedcurrent/historicalbodywithlimits", "all_current_primary_source_accepted": false, "original_failures_secondary_versions_pixels_citations_application_holds_retained": true}

S_DC-P4-S004 Saved research record

U.S. House OLRC — E-SIGN https://uscode.house.gov/us/usc/119-134/t15/s7001/ https://uscode.house.gov/us/usc/119-134/t15/s7002/ https://uscode.house.gov/us/usc/119-118/t15/s7003/ https://uscode.house.gov/us/usc/119-118/t15/s7006/

Recorded check status: scoped selected body with limits

Exact pinpoints, version/effective status, and actual read limits: Fresh 7001(a)–(e), 7002, 7003, relevant 7006 definitions. The 119-134 pages displayed currency through P.L. 119-134, October 20, 2026; the other route displayed through P.L. 119-120, October 7, 2026. These are publication bounds, not a fresh complete review of intervening legislation. Interstate-commerce and consumer predicates; statutory exclusions retained.
Direct source URLs: https://uscode.house.gov/us/usc/119-134/t15/s7001/
https://uscode.house.gov/us/usc/119-134/t15/s7002/
https://uscode.house.gov/us/usc/119-118/t15/s7003/
https://uscode.house.gov/us/usc/119-118/t15/s7006/

Recorded coordinator check boundaries

coordinator review note: {"source_id": "S_DC-P4-S004", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "fresh_read_map_entries": [{"chunk": 0, "URL": "https://uscode.house.gov/us/usc/119-134/t15/s7001/", "packet_character_bounds": [0, 3725], "PDF_page_tags": [], "source_id": "S_DC-P4-S004", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 42]], "actual_numbered_lines_read": [[0, 42]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 1, "URL": "https://uscode.house.gov/us/usc/119-134/t15/s7002/", "packet_character_bounds": [3805, 7285], "PDF_page_tags": [], "source_id": "S_DC-P4-S004", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 40]], "actual_numbered_lines_read": [[0, 40]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 5, "URL": "https://uscode.house.gov/us/usc/119-134/t15/s7001/", "packet_character_bounds": [17901, 22197], "PDF_page_tags": [], "source_id": "S_DC-P4-S004", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[52, 90]], "actual_numbered_lines_read": [[52, 90]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 0, "URL": "https://uscode.house.gov/us/usc/119-134/t15/s7001/", "packet_character_bounds": [0, 1118], "PDF_page_tags": [], "source_id": "S_DC-P4-S004", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[43, 50]], "actual_numbered_lines_read": [[43, 50]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 2, "URL": "https://uscode.house.gov/us/usc/119-134/t15/s7001/", "packet_character_bounds": [4689, 6472], "PDF_page_tags": [], "source_id": "S_DC-P4-S004", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[46, 59]], "actual_numbered_lines_read": [[46, 59]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 3, "URL": "https://uscode.house.gov/us/usc/119-134/t15/s7001/", "packet_character_bounds": [6552, 8590], "PDF_page_tags": [], "source_id": "S_DC-P4-S004", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[97, 108]], "actual_numbered_lines_read": [[97, 108]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 0, "URL": "https://uscode.house.gov/us/usc/119-134/t15/s7001/", "packet_character_bounds": [0, 6704], "PDF_page_tags": [], "source_id": "S_DC-P4-S004", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[70, 143]], "actual_numbered_lines_read": [[90, 103]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}], "selected_body_checks": [{"source_id": "S_DC-P4-S004", "evidence_URL": "https://uscode.house.gov/us/usc/119-134/t15/s7001/", "line_range": [15, 103], "scope": "Publicationbounds; 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noallstatewritingone federalroute", "evidence": [{"source_id": "S_DC-P4-S004", "actual_URL": "https://uscode.house.gov/us/usc/119-134/t15/s7002/", "packet": "[internal evidence reference]", "chunk": 1, "actual_numbered_lines": [[15, 40]], "packet_character_bounds": [3805, 7285], "dated_reuse": false}], "fresh_PDFpixels": false}], "dated_reuse": [], "fresh_failed_events": [], "linked_UNSENT_findings": [], "status": "Selectedcurrent/historicalbodywithlimits", "all_current_primary_source_accepted": false, "original_failures_secondary_versions_pixels_citations_application_holds_retained": true}

S_DC-P4-S005 Saved research record

U.S. House OLRC — CROA https://uscode.house.gov/us/usc/119-118/t15/s1679a/ https://uscode.house.gov/us/usc/119-118/t15/s1679b/ https://uscode.house.gov/us/usc/119-134/t15/s1679c/ https://uscode.house.gov/us/usc/119-134/t15/s1679d/ https://uscode.house.gov/us/usc/119-134/t15/s1679e/ https://uscode.house.gov/us/usc/119-134/t15/s1679f/ https://uscode.house.gov/us/usc/119-118/t15/s1679j/

Recorded check status: scoped selected body with citation correction UNSENT

Exact pinpoints, version/effective status, and actual read limits: Fresh definitions/exclusions; 1679b(b); complete relevant disclosure/contract/cancellation text in c–e; f; j. Same OLRC publication bounds as S004. Enacted 1996; statutory applicability note retained. No provider-specific coverage decision; no invented business-day calendar.
Direct source URLs: https://uscode.house.gov/us/usc/119-118/t15/s1679a/
https://uscode.house.gov/us/usc/119-118/t15/s1679b/
https://uscode.house.gov/us/usc/119-134/t15/s1679c/
https://uscode.house.gov/us/usc/119-134/t15/s1679d/
https://uscode.house.gov/us/usc/119-134/t15/s1679e/
https://uscode.house.gov/us/usc/119-134/t15/s1679f/
https://uscode.house.gov/us/usc/119-118/t15/s1679j/

Recorded coordinator check boundaries

coordinator review note: {"source_id": "S_DC-P4-S005", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "fresh_read_map_entries": [{"chunk": 7, "URL": "https://uscode.house.gov/us/usc/119-134/t15/s1679d/", "packet_character_bounds": [22058, 25936], "PDF_page_tags": [], "source_id": "S_DC-P4-S005", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 60]], "actual_numbered_lines_read": [[0, 60]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 8, "URL": "https://uscode.house.gov/us/usc/119-134/t15/s1679e/", "packet_character_bounds": [26016, 29773], "PDF_page_tags": [], "source_id": "S_DC-P4-S005", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 51]], "actual_numbered_lines_read": [[0, 51]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 3, "URL": "https://uscode.house.gov/us/usc/119-134/t15/s1679c/", "packet_character_bounds": [7679, 11383], "PDF_page_tags": [], "source_id": "S_DC-P4-S005", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 35]], "actual_numbered_lines_read": [[0, 35]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 4, "URL": "https://uscode.house.gov/us/usc/119-134/t15/s1679f/", "packet_character_bounds": [11463, 14217], "PDF_page_tags": [], "source_id": "S_DC-P4-S005", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 49]], "actual_numbered_lines_read": [[0, 49]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 5, "URL": "https://uscode.house.gov/us/usc/119-118/t15/s1679b/", "packet_character_bounds": [14297, 17774], "PDF_page_tags": [], "source_id": "S_DC-P4-S005", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 54]], "actual_numbered_lines_read": [[0, 54]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 6, "URL": "https://uscode.house.gov/us/usc/119-134/t15/s1679c/", "packet_character_bounds": [22277, 25470], "PDF_page_tags": [], "source_id": "S_DC-P4-S005", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[35, 75]], "actual_numbered_lines_read": [[35, 75]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}], "selected_body_checks": [{"source_id": "S_DC-P4-S005", "evidence_URL": "https://uscode.house.gov/us/usc/119-134/t15/s1679c/", "line_range": [20, 56], "scope": "Separateprecontractdisclosure,subsectionbseparatedocumentversuscackretention2years; F02pinpointcorrectiononly", "evidence": [{"source_id": "S_DC-P4-S005", "actual_URL": "https://uscode.house.gov/us/usc/119-134/t15/s1679c/", "packet": "[internal evidence reference]", "chunk": 3, "actual_numbered_lines": [[20, 35]], "packet_character_bounds": [7679, 11383], "dated_reuse": false}, {"source_id": "S_DC-P4-S005", "actual_URL": "https://uscode.house.gov/us/usc/119-134/t15/s1679c/", "packet": "[internal evidence reference]", "chunk": 6, "actual_numbered_lines": [[35, 56]], "packet_character_bounds": [22277, 25470], "dated_reuse": false}], "fresh_PDFpixels": false}, {"source_id": "S_DC-P4-S005", "evidence_URL": "https://uscode.house.gov/us/usc/119-134/t15/s1679d/", "line_range": [20, 46], "scope": "Written datedconsumercontractand3businessdayservicewaitbeginningonsign/requiredterms/adjacentsignaturewarning", "evidence": [{"source_id": "S_DC-P4-S005", "actual_URL": "https://uscode.house.gov/us/usc/119-134/t15/s1679d/", "packet": "[internal evidence reference]", "chunk": 7, "actual_numbered_lines": [[20, 46]], "packet_character_bounds": [22058, 25936], "dated_reuse": false}], "fresh_PDFpixels": false}, {"source_id": "S_DC-P4-S005", "evidence_URL": "https://uscode.house.gov/us/usc/119-134/t15/s1679e/", "line_range": [20, 37], "scope": "Thirdbusinessday afterexecution/otherwiseenforceable trigger; formthirdDAYwordingdistinct; duplicateform/copiestimeofsigning", "evidence": [{"source_id": "S_DC-P4-S005", "actual_URL": "https://uscode.house.gov/us/usc/119-134/t15/s1679e/", "packet": "[internal evidence reference]", "chunk": 8, "actual_numbered_lines": [[20, 37]], "packet_character_bounds": [26016, 29773], "dated_reuse": false}], "fresh_PDFpixels": false}, {"source_id": "S_DC-P4-S005", "evidence_URL": "https://uscode.house.gov/us/usc/119-134/t15/s1679f/", "line_range": [20, 40], "scope": "Waiverinvalid/attemptviolation/coverednoncompliantcontractvoid andunenforceable; coverageheld", "evidence": [{"source_id": "S_DC-P4-S005", "actual_URL": "https://uscode.house.gov/us/usc/119-134/t15/s1679f/", "packet": "[internal evidence reference]", "chunk": 4, "actual_numbered_lines": [[20, 40]], "packet_character_bounds": [11463, 14217], "dated_reuse": false}], "fresh_PDFpixels": false}, {"source_id": "S_DC-P4-S005", "evidence_URL": "https://uscode.house.gov/us/usc/119-118/t15/s1679b/", "line_range": [47, 50], "scope": "Fullagreedserviceperformancebeforechargeorreceipt; no waitingperiod/securityexception", "evidence": [{"source_id": "S_DC-P4-S005", "actual_URL": "https://uscode.house.gov/us/usc/119-118/t15/s1679b/", "packet": "[internal evidence reference]", "chunk": 5, "actual_numbered_lines": [[47, 50]], "packet_character_bounds": [14297, 17774], "dated_reuse": false}], "fresh_PDFpixels": false}], "dated_reuse": [], "fresh_failed_events": [], "linked_UNSENT_findings": ["S_DC-P4-F001"], "status": "Selectedcurrent/historicalbodywithlimits", "all_current_primary_source_accepted": false, "original_failures_secondary_versions_pixels_citations_application_holds_retained": true}

S_DC-P4-S006 Saved research record

FTC / eCFR — TSR, 16 C.F.R. Part 310 https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2 https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3 https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4 https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6

Recorded check status: scoped dated TSR body with limits

Exact pinpoints, version/effective status, and actual read limits: Fresh selected definitions, 310.3(a)(1), (a)(2)(x), (a)(3); 310.4(a)(2), (a)(5)(i)–(ii), (a)(7); 310.6(b)(3),(5),(6). Title displayed current through October 23, 2026. Title-level update is not section effective date. Applicable telemarketing/FTC jurisdiction and exceptions remain conditional.
Direct source URLs: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2
https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3
https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4
https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6

Recorded coordinator check boundaries

coordinator review note: {"source_id": "S_DC-P4-S006", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "fresh_read_map_entries": [], "selected_body_checks": [{"source_id": "S_DC-P4-S006", "evidence_URL": "https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4", "line_range": [115, 131], "scope": "DatedsamecoordinatorcompleteTSRa5operativefeeandfiveaccountpredicates/allA-C and7BUSINESSdaysfromrequestcustomerreceipt; actualcoverage/entitlementheld", "evidence": [{"source_id": "S_DC-P4-S006", "actual_URL": "https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4", "packet": "[internal evidence reference]", "chunk": 5, "actual_numbered_lines": [[115, 115]], "packet_character_bounds": [19765, 24193], "dated_reuse": true}, {"source_id": "S_DC-P4-S006", "actual_URL": "https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4", "packet": "[internal evidence reference]", "chunk": 1, "actual_numbered_lines": [[116, 131]], "packet_character_bounds": [5416, 10135], "dated_reuse": true}], "fresh_PDFpixels": false}], "dated_reuse": [{"source_id": "S_DC-P4-S006", "original_complete_packet": "[internal evidence reference]", "complete_unmodified_copy": "[internal evidence reference]", "sha256": "3b3f64bfbcf1a59b87272d3be1ca050961d918d1f959582a647d5e6749343602", "original_sha256": "3b3f64bfbcf1a59b87272d3be1ca050961d918d1f959582a647d5e6749343602", "chunk": 5, "URL": "https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4", "packet_character_bounds": [19765, 24193], "actual_body_bounds_reused": [[69, 69], [115, 115]], "prior_actual_read_map": "[internal evidence reference]", "prior_map_sha256": "39dac2502087e46c178ec51a39e90b04329fe54961896b3e87195bb6fc5c5cdd", "previous_same_coordinator_actual_read_during_ND2": true, "capture_date": "2026-10-29 current coordinator batch; individual opening clock unknown", "not_new_fetch_recovery_or_ND_legal_premise": true, "PDFpixels": false}, {"source_id": "S_DC-P4-S006", "original_complete_packet": "[internal evidence reference]", "complete_unmodified_copy": "[internal evidence reference]", "sha256": "6c1dc6cb5086d254d5e68fa097ab7695586cb5865b42bceeb95544d7eafd3618", "original_sha256": "6c1dc6cb5086d254d5e68fa097ab7695586cb5865b42bceeb95544d7eafd3618", "chunk": 1, "URL": "https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4", "packet_character_bounds": [5416, 10135], "actual_body_bounds_reused": [[116, 131]], "prior_actual_read_map": "[internal evidence reference]", "prior_map_sha256": "39dac2502087e46c178ec51a39e90b04329fe54961896b3e87195bb6fc5c5cdd", "previous_same_coordinator_actual_read_during_ND2": true, "capture_date": "2026-10-29 current coordinator batch; individual opening clock unknown", "not_new_fetch_recovery_or_ND_legal_premise": true, "PDFpixels": false}], "fresh_failed_events": [], "linked_UNSENT_findings": [], "status": "DatedsamecoordinatorcurrentTSRbodyreusewithlimits", "all_current_primary_source_accepted": false, "original_failures_secondary_versions_pixels_citations_application_holds_retained": true}

S_DC-P4-S007 Saved research record

FTC — 2010 TSR final rule and statement of basis and purpose https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf

Recorded check status: scoped selected body with limits

Exact pinpoints, version/effective status, and actual read limits: Fresh selected III.C.5.a, printed 75 FR 48489 / PDF index 31, including footnotes 427–433; visually inspected. Selected effective-date discussion read. Debt-relief advance-fee provision effective October 27, 2010. Historical final-rule explanation read alongside current S006; not a whole 66-page visual review.
Direct source URLs: https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule
https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf

Recorded coordinator check boundaries

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S_DC-P4-S008 Saved research record

CFPB — Regulation E and official interpretations https://www.consumerfinance.gov/rules-policy/regulations/1005/2/ https://www.consumerfinance.gov/rules-policy/regulations/1005/3/ https://www.consumerfinance.gov/rules-policy/regulations/1005/10/

Recorded check status: scoped selected body with limits

Exact pinpoints, version/effective status, and actual read limits: Fresh 1005.2(b),(k); 1005.3(a), relevant coverage; 1005.10(b)–(d) and relevant official comments, particularly authorization/consumer copy and stop-payment. Pages label themselves current regulation. Full amendment chronology and all account exclusions not independently reconstructed. Not reliance on withdrawn guidance.
Direct source URLs: https://www.consumerfinance.gov/rules-policy/regulations/1005/2/
https://www.consumerfinance.gov/rules-policy/regulations/1005/3/
https://www.consumerfinance.gov/rules-policy/regulations/1005/10/

Recorded coordinator check boundaries

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S_DC-P4-S009 Saved research record

U.S. House OLRC — FCRA selected provisions https://uscode.house.gov/us/usc/119-134/t15/s1681b/ https://uscode.house.gov/us/usc/119-118/t15/s1681j/

Recorded check status: scoped failed FCRA reverification with holds

Exact pinpoints, version/effective status, and actual read limits: Fresh 1681b(a)(2),(f); 1681j(b). Publication bounds as S004. Permissible-purpose and free-disclosure interface only; not full FCRA/privacy/redisclosure coverage.
Direct source URLs: https://uscode.house.gov/us/usc/119-134/t15/s1681b/
https://uscode.house.gov/us/usc/119-118/t15/s1681j/

Recorded coordinator check boundaries

coordinator review note: {"source_id": "S_DC-P4-S009", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "fresh_read_map_entries": [{"chunk": 2, "URL": "https://uscode.house.gov/us/usc/119-118/t15/s1681j/", "packet_character_bounds": [7365, 7599], "PDF_page_tags": [], "source_id": "S_DC-P4-S009", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [], "actual_numbered_lines_read": [], "failed_access": true, "whole_error_read": true, "location_metadata_only_when_empty": false, "PDFpixels": false}], "selected_body_checks": [], "dated_reuse": [], "fresh_failed_events": [{"source_id": "S_DC-P4-S009", "URL": "https://uscode.house.gov/us/usc/119-118/t15/s1681j/", "packet": "[internal evidence reference]", "chunk": 2, "packet_character_bounds": [7365, 7599], "exact_complete_error_text": "\nInternal Error ()\nciteturn3046view2 [wordlim: 200] Source: open({\"ref_id\":\"https://uscode.house.gov/us/usc/119-118/t15/s1681j/\",\"lineno\":null}); \nFailed to fetch https://uscode.house.gov/us/usc/119-118/t15/s1681j/: (404) Not Found", "body_obtained": false, "whole_error_read": true, "once_only_no_retry_edition_variant_or_workaround": true}], "linked_UNSENT_findings": [], "status": "FreshselectedFCRAbodyFAILEDothergroupbodiesunreopened", "all_current_primary_source_accepted": false, "original_failures_secondary_versions_pixels_citations_application_holds_retained": true}

S_DC-P4-S010 Saved research record

D.C. Council — CPPA and 2026 amending law https://code.dccouncil.gov/us/dc/council/code/sections/28-3901 https://code.dccouncil.gov/us/dc/council/code/sections/28-3904 https://code.dccouncil.gov/us/dc/council/laws/26-187

Recorded check status: scoped selected body with limits

Exact pinpoints, version/effective status, and actual read limits: Fresh 3901(a)(2)–(3), especially (3)(C)(ii); 3904(a)(5)–(7),(20)–(21),(25),(29), (b)(3); Law 26-187 §§ 4(b),4(f),6,8. Relevant amendments effective September 26, 2026; listed funding condition does not include 4(b)/4(f). No full enforcement/remedies or professional-services coverage decision.
Direct source URLs: https://code.dccouncil.gov/us/dc/council/code/sections/28-3901
https://code.dccouncil.gov/us/dc/council/code/sections/28-3904
https://code.dccouncil.gov/us/dc/council/laws/26-187

Recorded coordinator check boundaries

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"PDFpixels": false}, {"chunk": 4, "URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-3904", "packet_character_bounds": [14702, 17821], "PDF_page_tags": [], "source_id": "S_DC-P4-S010", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 36]], "actual_numbered_lines_read": [[0, 36]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 7, "URL": "https://code.dccouncil.gov/us/dc/council/laws/26-187", "packet_character_bounds": [25550, 29424], "PDF_page_tags": [], "source_id": "S_DC-P4-S010", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[499, 537]], "actual_numbered_lines_read": [[499, 537]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 4, "URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-3901", "packet_character_bounds": [24768, 27878], "PDF_page_tags": [], "source_id": "S_DC-P4-S010", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[21, 47]], "actual_numbered_lines_read": [[21, 47]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 5, "URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-3904", "packet_character_bounds": [27958, 28302], "PDF_page_tags": [], "source_id": "S_DC-P4-S010", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [], "actual_numbered_lines_read": [], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": true, "PDFpixels": false}, {"chunk": 4, "URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-3904", "packet_character_bounds": [8670, 10696], "PDF_page_tags": [], "source_id": "S_DC-P4-S010", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[82, 109]], "actual_numbered_lines_read": [[82, 109]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 5, "URL": "https://code.dccouncil.gov/us/dc/council/laws/26-187", "packet_character_bounds": [10776, 21414], "PDF_page_tags": [], "source_id": "S_DC-P4-S010", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[99, 111], [174, 238], [333, 339], [401, 407], [430, 465], [483, 497]], "actual_numbered_lines_read": [[401, 405]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 6, "URL": "https://code.dccouncil.gov/us/dc/council/laws/26-187", "packet_character_bounds": [21494, 29969], "PDF_page_tags": [], "source_id": "S_DC-P4-S010", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[16, 24], [48, 54], [86, 119], [174, 198], [200, 209], [219, 225], [424, 426], [430, 452], [454, 454], [483, 497]], "actual_numbered_lines_read": [[90, 119]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 4, "URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-3904", "packet_character_bounds": [17232, 22171], "PDF_page_tags": [], "source_id": "S_DC-P4-S010", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[47, 91]], "actual_numbered_lines_read": [[47, 91]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 5, "URL": "https://code.dccouncil.gov/us/dc/council/laws/26-187", "packet_character_bounds": [22251, 27430], "PDF_page_tags": [], "source_id": "S_DC-P4-S010", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[115, 168]], "actual_numbered_lines_read": [[115, 168]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 6, "URL": "https://code.dccouncil.gov/us/dc/council/laws/26-187", "packet_character_bounds": [27510, 32430], "PDF_page_tags": [], "source_id": "S_DC-P4-S010", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[211, 212], [214, 256]], "actual_numbered_lines_read": [[211, 212], [214, 256]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 1, "URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-3904", "packet_character_bounds": [6784, 13502], "PDF_page_tags": [], "source_id": "S_DC-P4-S010", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[22, 81]], "actual_numbered_lines_read": [[37, 60]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}], "selected_body_checks": [{"source_id": "S_DC-P4-S010", "evidence_URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-3901", "line_range": [25, 30], "scope": "Currentmerchant successors/assigns sameclaimsdefenses; notassignmentnovation/POA/debitpermission", "evidence": [{"source_id": "S_DC-P4-S010", "actual_URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-3901", "packet": "[internal evidence reference]", "chunk": 4, "actual_numbered_lines": [[25, 30]], "packet_character_bounds": [24768, 27878], "dated_reuse": false}], "fresh_PDFpixels": false}, {"source_id": "S_DC-P4-S010", "evidence_URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-3904", "line_range": [17, 22], "scope": "Currentmisrepresentationofrights/materialomissions/ambiguity", "evidence": [{"source_id": "S_DC-P4-S010", "actual_URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-3904", "packet": "[internal evidence reference]", "chunk": 4, "actual_numbered_lines": [[17, 22]], "packet_character_bounds": [14702, 17821], "dated_reuse": false}], "fresh_PDFpixels": false}, {"source_id": "S_DC-P4-S010", "evidence_URL": 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actualconsumermerchant/professionalcoverageheld", "evidence": [{"source_id": "S_DC-P4-S010", "actual_URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-3904", "packet": "[internal evidence reference]", "chunk": 4, "actual_numbered_lines": [[82, 87]], "packet_character_bounds": [8670, 10696], "dated_reuse": false}, {"source_id": "S_DC-P4-S010", "actual_URL": "https://code.dccouncil.gov/us/dc/council/code/sections/28-3904", "packet": "[internal evidence reference]", "chunk": 4, "actual_numbered_lines": [[74, 87]], "packet_character_bounds": [17232, 22171], "dated_reuse": false}], "fresh_PDFpixels": false}, {"source_id": "S_DC-P4-S010", "evidence_URL": "https://code.dccouncil.gov/us/dc/council/laws/26-187", "line_range": [99, 130], "scope": "4bdefinitionamendment contains successorsclaims/defenses; noactualassignmentpermission", "evidence": [{"source_id": "S_DC-P4-S010", "actual_URL": "https://code.dccouncil.gov/us/dc/council/laws/26-187", "packet": "[internal evidence reference]", "chunk": 6, "actual_numbered_lines": [[99, 119]], "packet_character_bounds": [21494, 29969], "dated_reuse": false}, {"source_id": "S_DC-P4-S010", "actual_URL": "https://code.dccouncil.gov/us/dc/council/laws/26-187", "packet": "[internal evidence reference]", "chunk": 5, "actual_numbered_lines": [[115, 130]], "packet_character_bounds": [22251, 27430], "dated_reuse": false}], "fresh_PDFpixels": false}, {"source_id": "S_DC-P4-S010", "evidence_URL": "https://code.dccouncil.gov/us/dc/council/laws/26-187", "line_range": [221, 238], "scope": "4fconductreplacementheader andparticularmisrepresentationclauses, notfullamendment/currentnessdossier", "evidence": [{"source_id": "S_DC-P4-S010", "actual_URL": "https://code.dccouncil.gov/us/dc/council/laws/26-187", "packet": "[internal evidence reference]", "chunk": 6, "actual_numbered_lines": [[221, 238]], "packet_character_bounds": [27510, 32430], "dated_reuse": false}], "fresh_PDFpixels": false}, {"source_id": "S_DC-P4-S010", "evidence_URL": "https://code.dccouncil.gov/us/dc/council/laws/26-187", "line_range": [505, 530], "scope": "Sec6fundinglist4cdegh excludesb/f;Sec8reviewperiodandlawinfoSept26effectivity; otherfundedprovisionsheld", "evidence": [{"source_id": "S_DC-P4-S010", "actual_URL": "https://code.dccouncil.gov/us/dc/council/laws/26-187", "packet": "[internal evidence reference]", "chunk": 7, "actual_numbered_lines": [[505, 530]], "packet_character_bounds": [25550, 29424], "dated_reuse": false}], "fresh_PDFpixels": false}], "dated_reuse": [], "fresh_failed_events": [], "linked_UNSENT_findings": [], "status": "Selectedcurrent/historicalbodywithlimits", "all_current_primary_source_accepted": false, "original_failures_secondary_versions_pixels_citations_application_holds_retained": true}

S_DC-P4-S011 Saved research record

D.C. Bar — published D.C. Rules of Professional Conduct https://www.dcbar.org/for-lawyers/legal-ethics/rules-of-professional-conduct/client-lawyer-relationship/scope-of-representation https://www.dcbar.org/for-lawyers/legal-ethics/rules-of-professional-conduct/client-lawyer-relationship/confidentiality-of-information https://www.dcbar.org/for-lawyers/legal-ethics/rules-of-professional-conduct/client-lawyer-relationship/declining-or-terminating-representation

Recorded check status: source record reconciled unreopened body holds

Exact pinpoints, version/effective status, and actual read limits: Fresh Rules 1.2(a),(c) and relevant comments; 1.6(a),(e),(g); 1.16(a)(3),(c),(d), comments 4,11–12. Published pages identify relevant amendments effective September 15, 2025; underlying adoption order not separately inspected. No lawyer-status lookup.
Direct source URLs: https://www.dcbar.org/for-lawyers/legal-ethics/rules-of-professional-conduct/client-lawyer-relationship/scope-of-representation
https://www.dcbar.org/for-lawyers/legal-ethics/rules-of-professional-conduct/client-lawyer-relationship/confidentiality-of-information
https://www.dcbar.org/for-lawyers/legal-ethics/rules-of-professional-conduct/client-lawyer-relationship/declining-or-terminating-representation

Recorded coordinator check boundaries

coordinator review note: {"source_id": "S_DC-P4-S011", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "fresh_read_map_entries": [], "selected_body_checks": [], "dated_reuse": [], "fresh_failed_events": [], "linked_UNSENT_findings": [], "status": "Recordreconciled_underlyingbodyunreopened", "all_current_primary_source_accepted": false, "original_failures_secondary_versions_pixels_citations_application_holds_retained": true}

S_DC-P4-S012 Saved research record

U.S. House OLRC — FAA § 2 https://uscode.house.gov/us/usc/119-121/t9/s2/

Recorded check status: source record reconciled unreopened body holds

Exact pinpoints, version/effective status, and actual read limits: Fresh full operative § 2. Page displayed currency through P.L. 119-121, October 9, 2026. Commerce, written agreement, general defenses and statutory exceptions retained; no actual clause evaluated.
Direct source URLs: https://uscode.house.gov/us/usc/119-121/t9/s2/

Recorded coordinator check boundaries

coordinator review note: {"source_id": "S_DC-P4-S012", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "fresh_read_map_entries": [], "selected_body_checks": [], "dated_reuse": [], "fresh_failed_events": [], "linked_UNSENT_findings": [], "status": "Recordreconciled_underlyingbodyunreopened", "all_current_primary_source_accepted": false, "original_failures_secondary_versions_pixels_citations_application_holds_retained": true}

S_DC-P4-S013 Saved research record

D.C. Council — Arbitration agreement validity https://code.dccouncil.gov/us/dc/council/code/sections/16-4406

Recorded check status: source record reconciled unreopened body holds

Exact pinpoints, version/effective status, and actual read limits: Fresh (a)–(d). Current codified body; not a complete FAA-preemption, delegation, or arbitration dossier.
Direct source URLs: https://code.dccouncil.gov/us/dc/council/code/sections/16-4406

Recorded coordinator check boundaries

coordinator review note: {"source_id": "S_DC-P4-S013", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "fresh_read_map_entries": [], "selected_body_checks": [], "dated_reuse": [], "fresh_failed_events": [], "linked_UNSENT_findings": [], "status": "Recordreconciled_underlyingbodyunreopened", "all_current_primary_source_accepted": false, "original_failures_secondary_versions_pixels_citations_application_holds_retained": true}

S_DC-P4-S014 Saved research record

U.S. Supreme Court / GovInfo — CompuCredit, 565 U.S. 95 https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf

Recorded check status: source record reconciled unreopened body holds

Exact pinpoints, version/effective status, and actual read limits: Published January 10, 2012 opinion; selected majority pp. 97–104 and disposition; visual p. 98/PDF 3, p. 104/PDF 9. Reversal/remand; coverage reserved in footnote 1. No full later-history certification.
Direct source URLs: https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf

Recorded coordinator check boundaries

coordinator review note: {"source_id": "S_DC-P4-S014", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "fresh_read_map_entries": [], "selected_body_checks": [], "dated_reuse": [], "fresh_failed_events": [], "linked_UNSENT_findings": [], "status": "Recordreconciled_underlyingbodyunreopened", "all_current_primary_source_accepted": false, "original_failures_secondary_versions_pixels_citations_application_holds_retained": true}

S_DC-P4-S015 Saved research record

D.C. Court of Appeals — Doucette opinion, reproduced by Justia https://law.justia.com/cases/district-of-columbia/court-of-appeals/2023/21-cv-896.html https://cases.justia.com/district-of-columbia/court-of-appeals/2023-21-cv-896.pdf?ts=1674743594

Recorded check status: source record reconciled unreopened body holds

Exact pinpoints, version/effective status, and actual read limits: Published January 26, 2023; 288 A.3d 339. Selected slip pp. 1–8,12; visual 5/PDF4, 6/PDF5, 12/PDF11. Court-authored opinion, third-party reproduction; official-host attempt failed. Not an enforcement record or docket search.
Direct source URLs: https://law.justia.com/cases/district-of-columbia/court-of-appeals/2023/21-cv-896.html
https://cases.justia.com/district-of-columbia/court-of-appeals/2023-21-cv-896.pdf?ts=1674743594

Recorded coordinator check boundaries

coordinator review note: {"source_id": "S_DC-P4-S015", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "fresh_read_map_entries": [], "selected_body_checks": [], "dated_reuse": [], "fresh_failed_events": [], "linked_UNSENT_findings": [], "status": "Recordreconciled_underlyingbodyunreopened", "all_current_primary_source_accepted": false, "original_failures_secondary_versions_pixels_citations_application_holds_retained": true}

S_DC-P4-S016 Saved research record

U.S. Court of Appeals, D.C. Circuit — Walker v. Uber Technologies https://media.cadc.uscourts.gov/opinions/docs/2026/08/24-7154-2190369.pdf

Recorded check status: scoped selected body with limits

Exact pinpoints, version/effective status, and actual read limits: Published August 28, 2026; selected slip pp. 2,9–15,19–20; visual 9/PDF8, 14/PDF13, 20/PDF19. Affirmed denial of arbitration; inquiry-notice sufficiency not finally decided. No subsequent docket-status inquiry.
Direct source URLs: https://media.cadc.uscourts.gov/opinions/docs/2026/08/24-7154-2190369.pdf

Recorded coordinator check boundaries

coordinator review note: {"source_id": "S_DC-P4-S016", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "fresh_read_map_entries": [{"chunk": 1, "URL": "https://media.cadc.uscourts.gov/opinions/docs/2026/08/24-7154-2190369.pdf", "packet_character_bounds": [3605, 7249], "PDF_page_tags": ["P0", "P0-1", "P1", "P1-2", "P2"], "source_id": "S_DC-P4-S016", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 59]], "actual_numbered_lines_read": [[0, 59]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 2, "URL": "https://media.cadc.uscourts.gov/opinions/docs/2026/08/24-7154-2190369.pdf", "packet_character_bounds": [6333, 22046], "PDF_page_tags": ["P10", "P10-11", "P11", "P11-12", "P12", "P12-13", "P13", "P14", "P5", "P5-6", "P6", "P6-7", "P7", "P7-8", "P8", "P8-9"], "source_id": "S_DC-P4-S016", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[157, 264], [304, 412], [446, 453]], "actual_numbered_lines_read": [[240, 264], [304, 335], [446, 453]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 1, "URL": "https://media.cadc.uscourts.gov/opinions/docs/2026/08/24-7154-2190369.pdf", "packet_character_bounds": [4966, 7605], "PDF_page_tags": ["P18", "P18-19", "P19"], "source_id": "S_DC-P4-S016", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[573, 608]], "actual_numbered_lines_read": [[573, 608]], "failed_access": false, "whole_error_read": false, "location_metadata_only_when_empty": false, "PDFpixels": false}], "selected_body_checks": [{"source_id": "S_DC-P4-S016", "evidence_URL": "https://media.cadc.uscourts.gov/opinions/docs/2026/08/24-7154-2190369.pdf", "line_range": [0, 52], "scope": "PublishedCourtmajority/sourceidentityAug28,2026andguest-riderformation/affirmanceintro; noactualcaseinquiry", "evidence": [{"source_id": "S_DC-P4-S016", "actual_URL": "https://media.cadc.uscourts.gov/opinions/docs/2026/08/24-7154-2190369.pdf", "packet": "[internal evidence reference]", "chunk": 1, "actual_numbered_lines": [[0, 52]], "packet_character_bounds": [3605, 7249], "dated_reuse": false}], "fresh_PDFpixels": false}, {"source_id": "S_DC-P4-S016", "evidence_URL": "https://media.cadc.uscourts.gov/opinions/docs/2026/08/24-7154-2190369.pdf", "line_range": [240, 264], "scope": "DChighestcourtinquirynoticequestion expresslyreserved andassumedevenif; notallunreadcontractsfail", "evidence": [{"source_id": "S_DC-P4-S016", "actual_URL": "https://media.cadc.uscourts.gov/opinions/docs/2026/08/24-7154-2190369.pdf", "packet": "[internal evidence reference]", "chunk": 2, "actual_numbered_lines": [[240, 264]], "packet_character_bounds": [6333, 22046], "dated_reuse": false}], "fresh_PDFpixels": false}, {"source_id": "S_DC-P4-S016", "evidence_URL": "https://media.cadc.uscourts.gov/opinions/docs/2026/08/24-7154-2190369.pdf", "line_range": [304, 335], "scope": "Guest-riderunsolicitedunseenmessage,notnormalaffirmativeclick/browsefacts; quotedunderlyingcasesnotfreshreads", "evidence": [{"source_id": "S_DC-P4-S016", "actual_URL": "https://media.cadc.uscourts.gov/opinions/docs/2026/08/24-7154-2190369.pdf", "packet": "[internal evidence reference]", "chunk": 2, "actual_numbered_lines": [[304, 335]], "packet_character_bounds": [6333, 22046], "dated_reuse": false}], "fresh_PDFpixels": false}, {"source_id": "S_DC-P4-S016", "evidence_URL": "https://media.cadc.uscourts.gov/opinions/docs/2026/08/24-7154-2190369.pdf", "line_range": [573, 608], "scope": "Fact-boundestoppel/rejectedintertwinedclaims/affirmedjudgment; notallFAAorothercontractpermission", "evidence": [{"source_id": "S_DC-P4-S016", "actual_URL": "https://media.cadc.uscourts.gov/opinions/docs/2026/08/24-7154-2190369.pdf", "packet": "[internal evidence reference]", "chunk": 1, "actual_numbered_lines": [[573, 608]], "packet_character_bounds": [4966, 7605], "dated_reuse": false}], "fresh_PDFpixels": false}], "dated_reuse": [], "fresh_failed_events": [], "linked_UNSENT_findings": [], "status": "Selectedcurrent/historicalbodywithlimits", "all_current_primary_source_accepted": false, "original_failures_secondary_versions_pixels_citations_application_holds_retained": true}

S_DC-P4-S017 Saved research record

D.C. Court of Appeals — Forrest opinion, reproduced by Justia https://law.justia.com/cases/district-of-columbia/court-of-appeals/2002/01-cv-1101-5.html https://cases.justia.com/district-of-columbia/court-of-appeals/01-cv-1101-5.pdf?ts=1462314236

Recorded check status: source record reconciled unreopened body holds

Exact pinpoints, version/effective status, and actual read limits: Published August 29, 2002; 805 A.2d 1007. Selected formation/forum/scope analysis and disposition; visual 4/PDF3, 5/PDF4, 16/PDF15. Affirmed dismissal; not a CCSOA choice-of-law holding.
Direct source URLs: https://law.justia.com/cases/district-of-columbia/court-of-appeals/2002/01-cv-1101-5.html
https://cases.justia.com/district-of-columbia/court-of-appeals/01-cv-1101-5.pdf?ts=1462314236

Recorded coordinator check boundaries

coordinator review note: {"source_id": "S_DC-P4-S017", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "fresh_read_map_entries": [], "selected_body_checks": [], "dated_reuse": [], "fresh_failed_events": [], "linked_UNSENT_findings": [], "status": "Recordreconciled_underlyingbodyunreopened", "all_current_primary_source_accepted": false, "original_failures_secondary_versions_pixels_citations_application_holds_retained": true}

S_DC-P4-S018 Saved research record

CFPB — Withdrawn guidance register https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/

Recorded check status: source record reconciled unreopened body holds

Exact pinpoints, version/effective status, and actual read limits: Fresh relevant entries: contract-terms circular and FCRA permissible-purpose advisory withdrawn May 12, 2025. Register update date is not the legal effective date of underlying statutes/regulations. Used to exclude withdrawn guidance, not as affirmative contract authority.
Direct source URLs: https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/

Recorded coordinator check boundaries

coordinator review note: {"source_id": "S_DC-P4-S018", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "fresh_read_map_entries": [], "selected_body_checks": [], "dated_reuse": [], "fresh_failed_events": [], "linked_UNSENT_findings": [], "status": "Recordreconciled_underlyingbodyunreopened", "all_current_primary_source_accepted": false, "original_failures_secondary_versions_pixels_citations_application_holds_retained": true}

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

Each § 4605 precontract disclosure

Recorded check status: recorded; no individual primary acceptance inferred

Status: Answered at statutory level
Claims / models: C002–C007; D01–D10
Exact missing evidence or next bounded investigation: Actual document compliance requires the exact disclosure version and delivery sequence.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 0, "topic": "Each § 4605 precontract disclosure", "all_original_cells_read": true, "original_researcher_status": "Answered at statutory level", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-2 Saved research record

Signed acknowledgment and retention

Recorded check status: recorded; no individual primary acceptance inferred

Status: Answered
Claims / models: C002; D02
Exact missing evidence or next bounded investigation: Generic proof category identified; no actual record examined.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 1, "topic": "Signed acknowledgment and retention", "all_original_cells_read": true, "original_researcher_status": "Answered", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-3 Saved research record

Written/detailed service agreement

Recorded check status: recorded; no individual primary acceptance inferred

Status: Answered at statutory level
Claims / models: C008–C011; D11–D16
Exact missing evidence or next bounded investigation: Actual terms and future-payment treatment remain unknown.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 2, "topic": "Written/detailed service agreement", "all_original_cells_read": true, "original_researcher_status": "Answered at statutory level", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-4 Saved research record

Cancellation notice contents/method

Recorded check status: recorded; no individual primary acceptance inferred

Status: Answered in text; electronic application partial
Claims / models: C012–C013; D17–D19
Exact missing evidence or next bounded investigation: Published authority resolving § 4605(d)(2) electronic substitution.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 3, "topic": "Cancellation notice contents/method", "all_original_cells_read": true, "original_researcher_status": "Answered in text; electronic application partial", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-5 Saved research record

Copies and accessibility

Recorded check status: recorded; no individual primary acceptance inferred

Status: Answered conditionally
Claims / models: C014,C025
Exact missing evidence or next bounded investigation: Exact versions, delivery and accessibility facts.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 4, "topic": "Copies and accessibility", "all_original_cells_read": true, "original_researcher_status": "Answered conditionally", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-6 Saved research record

State 30-day versus federal 60-day disclosure

Recorded check status: recorded; no individual primary acceptance inferred

Status: Partial reconciliation
Claims / models: C003–C004
Exact missing evidence or next bounded investigation: Approved interpretive guidance or controlling opinion on compliant combined disclosure wording.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 5, "topic": "State 30-day versus federal 60-day disclosure", "all_original_cells_read": true, "original_researcher_status": "Partial reconciliation", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": true}

coverage-7 Saved research record

Security-disclosure/no-security branch

Recorded check status: recorded; no individual primary acceptance inferred

Status: Unresolved interpretation
Claims / models: C006
Exact missing evidence or next bounded investigation: Published rule/opinion addressing § 4605(b)(6)–(7) when no pre-completion money is received.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 6, "topic": "Security-disclosure/no-security branch", "all_original_cells_read": true, "original_researcher_status": "Unresolved interpretation", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-8 Saved research record

Mandatory administrative agreement/form

Recorded check status: recorded; no individual primary acceptance inferred

Status: Unresolved; preserved
Claims / models: C014,C057
Exact missing evidence or next bounded investigation: Authenticated adopted rule/form; no P03 failed-route rerun.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 7, "topic": "Mandatory administrative agreement/form", "all_original_cells_read": true, "original_researcher_status": "Unresolved; preserved", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-9 Saved research record

Negotiation versus settlement authority

Recorded check status: recorded; no individual primary acceptance inferred

Status: Answered in legal distinctions
Claims / models: C015–C019; M01
Exact missing evidence or next bounded investigation: Actual engagement and agency instrument.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 8, "topic": "Negotiation versus settlement authority", "all_original_cells_read": true, "original_researcher_status": "Answered in legal distinctions", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-10 Saved research record

POA execution/acknowledgment

Recorded check status: recorded; no individual primary acceptance inferred

Status: Answered for specified statutory branches
Claims / models: C016–C018
Exact missing evidence or next bounded investigation: Execution location/date, applicable exclusion and acknowledgment facts; remote-notarial details if material.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 9, "topic": "POA execution/acknowledgment", "all_original_cells_read": true, "original_researcher_status": "Answered for specified statutory branches", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-11 Saved research record

Customer execution under TSR

Recorded check status: recorded; no individual primary acceptance inferred

Status: Answered conditionally
Claims / models: C019; M01
Exact missing evidence or next bounded investigation: Specific agreement, customer act, legal validity, TSR coverage.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 10, "topic": "Customer execution under TSR", "all_original_cells_read": true, "original_researcher_status": "Answered conditionally", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-12 Saved research record

Payment trigger and bona fide installments

Recorded check status: recorded; no individual primary acceptance inferred

Status: Answered conditionally
Claims / models: C020; M01–M02
Exact missing evidence or next bounded investigation: Creditor-required payment structure and actual payment evidence.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 11, "topic": "Payment trigger and bona fide installments", "all_original_cells_read": true, "original_researcher_status": "Answered conditionally", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-13 Saved research record

Recurring debit consent/stop-payment

Recorded check status: recorded; no individual primary acceptance inferred

Status: Answered conditionally
Claims / models: C021
Exact missing evidence or next bounded investigation: Account/transfer classification and authorization record; one-time-payment issues remain separate.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 12, "topic": "Recurring debit consent/stop-payment", "all_original_cells_read": true, "original_researcher_status": "Answered conditionally", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-14 Saved research record

Record access/sharing

Recorded check status: recorded; no individual primary acceptance inferred

Status: Partial
Claims / models: C022–C023
Exact missing evidence or next bounded investigation: Actual purpose and scope; broader privacy/redisclosure laws not comprehensively investigated.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 13, "topic": "Record access/sharing", "all_original_cells_read": true, "original_researcher_status": "Partial", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-15 Saved research record

UETA scope, agreement and attribution

Recorded check status: recorded; no individual primary acceptance inferred

Status: Answered in text
Claims / models: C024
Exact missing evidence or next bounded investigation: Actual electronic interaction and identity evidence.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 14, "topic": "UETA scope, agreement and attribution", "all_original_cells_read": true, "original_researcher_status": "Answered in text", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-16 Saved research record

Electronic retainability/record retention

Recorded check status: recorded; no individual primary acceptance inferred

Status: Answered in text
Claims / models: C025
Exact missing evidence or next bounded investigation: Actual file, access conditions and retention system.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 15, "topic": "Electronic retainability/record retention", "all_original_cells_read": true, "original_researcher_status": "Answered in text", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-17 Saved research record

Electronic notice receipt

Recorded check status: recorded; no individual primary acceptance inferred

Status: Answered in text; factual use unresolved
Claims / models: C027
Exact missing evidence or next bounded investigation: Designated system, processability, retrievability, content and transmission result.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 16, "topic": "Electronic notice receipt", "all_original_cells_read": true, "original_researcher_status": "Answered in text; factual use unresolved", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-18 Saved research record

E-SIGN consent, withdrawal and paper options

Recorded check status: recorded; no individual primary acceptance inferred

Status: Answered conditionally
Claims / models: C028–C031
Exact missing evidence or next bounded investigation: Actual consent sequence; precise state-UETA interaction for disputed notices.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 17, "topic": "E-SIGN consent, withdrawal and paper options", "all_original_cells_read": true, "original_researcher_status": "Answered conditionally", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-19 Saved research record

Telephone/web/face-to-face differences

Recorded check status: recorded; no individual primary acceptance inferred

Status: Partial, relevant rules identified
Claims / models: C040–C041
Exact missing evidence or next bounded investigation: Actual sales flow; no assumption that one channel establishes or removes all coverage.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 18, "topic": "Telephone/web/face-to-face differences", "all_original_cells_read": true, "original_researcher_status": "Partial, relevant rules identified", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-20 Saved research record

D.C. five-calendar-day cancellation trigger

Recorded check status: recorded; no individual primary acceptance inferred

Status: Answered
Claims / models: C012
Exact missing evidence or next bounded investigation: Actual signing event and method evidence needed for application.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 19, "topic": "D.C. five-calendar-day cancellation trigger", "all_original_cells_read": true, "original_researcher_status": "Answered", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-21 Saved research record

D.C. ten-day reimbursement trigger

Recorded check status: recorded; no individual primary acceptance inferred

Status: Answered in text
Claims / models: C013
Exact missing evidence or next bounded investigation: Receipt event, legally applicable computation rule, amount and payment proof.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 20, "topic": "D.C. ten-day reimbursement trigger", "all_original_cells_read": true, "original_researcher_status": "Answered in text", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-22 Saved research record

Complete D.C. reimbursement formula

Recorded check status: recorded; no individual primary acceptance inferred

Status: Unresolved
Claims / models: C013,C058
Exact missing evidence or next bounded investigation: Contract, consideration/service history, and applicable interpretation; no fee modeling here.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 21, "topic": "Complete D.C. reimbursement formula", "all_original_cells_read": true, "original_researcher_status": "Unresolved", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-23 Saved research record

CROA coverage and actor exclusions

Recorded check status: recorded; no individual primary acceptance inferred

Status: Answered in text; application conditional
Claims / models: C032
Exact missing evidence or next bounded investigation: Representations, consideration and exact exclusion facts.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 22, "topic": "CROA coverage and actor exclusions", "all_original_cells_read": true, "original_researcher_status": "Answered in text; application conditional", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-24 Saved research record

CROA separate statement/contract/copies

Recorded check status: recorded; no individual primary acceptance inferred

Status: Answered
Claims / models: C033–C034; F01–F06
Exact missing evidence or next bounded investigation: Actual completed documents; no substitute form approved.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 23, "topic": "CROA separate statement/contract/copies", "all_original_cells_read": true, "original_researcher_status": "Answered", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": ["S_DC-P4-F001"], "FCRAcurrentbody_reverification_hold": false}

coverage-25 Saved research record

CROA service-start clock

Recorded check status: recorded; no individual primary acceptance inferred

Status: Answered in text
Claims / models: C035; M03
Exact missing evidence or next bounded investigation: Business-day calendar and actual signing facts before any dated calculation.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 24, "topic": "CROA service-start clock", "all_original_cells_read": true, "original_researcher_status": "Answered in text", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-26 Saved research record

CROA cancellation/enforceability trigger

Recorded check status: recorded; no individual primary acceptance inferred

Status: Answered in text
Claims / models: C036; M03
Exact missing evidence or next bounded investigation: Execution/enforceability event and applicable counting.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 25, "topic": "CROA cancellation/enforceability trigger", "all_original_cells_read": true, "original_researcher_status": "Answered in text", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-27 Saved research record

CROA notice wording discrepancy

Recorded check status: recorded; no individual primary acceptance inferred

Status: Partial
Claims / models: C037
Exact missing evidence or next bounded investigation: No approved corrective form or controlling interpretation authenticated.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 26, "topic": "CROA notice wording discrepancy", "all_original_cells_read": true, "original_researcher_status": "Partial", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-28 Saved research record

CROA pre-performance fee restriction

Recorded check status: recorded; no individual primary acceptance inferred

Status: Answered conditionally
Claims / models: C038
Exact missing evidence or next bounded investigation: Coverage and actual full performance; no state-security exception.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 27, "topic": "CROA pre-performance fee restriction", "all_original_cells_read": true, "original_researcher_status": "Answered conditionally", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-29 Saved research record

TSR seven-business-day receipt requirement

Recorded check status: recorded; no individual primary acceptance inferred

Status: Answered conditionally
Claims / models: C039; M02
Exact missing evidence or next bounded investigation: Account conditions, request, actual receipt, and all earned-fee predicates.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 28, "topic": "TSR seven-business-day receipt requirement", "all_original_cells_read": true, "original_researcher_status": "Answered conditionally", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-30 Saved research record

Provider termination versus creditor release

Recorded check status: recorded; no individual primary acceptance inferred

Status: Answered as distinction; outcome unresolved
Claims / models: C042
Exact missing evidence or next bounded investigation: Creditor agreement, release, payment and rescission terms.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 29, "topic": "Provider termination versus creditor release", "all_original_cells_read": true, "original_researcher_status": "Answered as distinction; outcome unresolved", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-31 Saved research record

Rejected settlement proposal

Recorded check status: recorded; no individual primary acceptance inferred

Status: Answered for TSR predicate
Claims / models: C043; M01
Exact missing evidence or next bounded investigation: Other state/contract compensation consequences remain held.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 30, "topic": "Rejected settlement proposal", "all_original_cells_read": true, "original_researcher_status": "Answered for TSR predicate", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-32 Saved research record

Failed performance and refund promises

Recorded check status: recorded; no individual primary acceptance inferred

Status: Partial
Claims / models: C010,C048–C050,C058
Exact missing evidence or next bounded investigation: Actual promise, material breach facts and focused remedy authority if later assigned.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 31, "topic": "Failed performance and refund promises", "all_original_cells_read": true, "original_researcher_status": "Partial", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-33 Saved research record

Failed creditor installment

Recorded check status: recorded; no individual primary acceptance inferred

Status: Unresolved outcome
Claims / models: C044
Exact missing evidence or next bounded investigation: Default, cure, acceleration, release and fee provisions; no automatic inference.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 32, "topic": "Failed creditor installment", "all_original_cells_read": true, "original_researcher_status": "Unresolved outcome", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-34 Saved research record

Provider service/term changes

Recorded check status: recorded; no individual primary acceptance inferred

Status: Partial
Claims / models: C024,C029,C045
Exact missing evidence or next bounded investigation: Modification terms and assent; whether new statutory clocks attach to a particular change.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 33, "topic": "Provider service/term changes", "all_original_cells_read": true, "original_researcher_status": "Partial", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-35 Saved research record

Assignment/replacement provider

Recorded check status: recorded; no individual primary acceptance inferred

Status: Partial
Claims / models: C045–C046
Exact missing evidence or next bounded investigation: Assignment/novation terms, agency succession, consent and notice facts.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 34, "topic": "Assignment/replacement provider", "all_original_cells_read": true, "original_researcher_status": "Partial", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-36 Saved research record

Attorney discharge/termination

Recorded check status: recorded; no individual primary acceptance inferred

Status: Answered in rule text
Claims / models: C023,C047
Exact missing evidence or next bounded investigation: Actual attorney relationship, tribunal involvement and fee/property status.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 35, "topic": "Attorney discharge/termination", "all_original_cells_read": true, "original_researcher_status": "Answered in rule text", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-37 Saved research record

Nonwaiver and automatic voidness

Recorded check status: recorded; no individual primary acceptance inferred

Status: Answered with distinction
Claims / models: C048–C049
Exact missing evidence or next bounded investigation: Common-law illegality/rescission and full remedies remain outside this pass.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 36, "topic": "Nonwaiver and automatic voidness", "all_original_cells_read": true, "original_researcher_status": "Answered with distinction", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-38 Saved research record

Choice of law/forum

Recorded check status: recorded; no individual primary acceptance inferred

Status: Partial
Claims / models: C054
Exact missing evidence or next bounded investigation: Actual clause, nexus and applicable conflicts/public-policy analysis.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 37, "topic": "Choice of law/forum", "all_original_cells_read": true, "original_researcher_status": "Partial", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-39 Saved research record

Arbitration/POA restrictions

Recorded check status: recorded; no individual primary acceptance inferred

Status: Partial
Claims / models: C051–C055
Exact missing evidence or next bounded investigation: Actual assent, clause, delegation and FAA-preemption issues; no full arbitration dossier.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 38, "topic": "Arbitration/POA restrictions", "all_original_cells_read": true, "original_researcher_status": "Partial", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-40 Saved research record

Current CPPA contract-related prohibitions

Recorded check status: recorded; no individual primary acceptance inferred

Status: Answered at selected-provision level
Claims / models: C050
Exact missing evidence or next bounded investigation: Actual consumer/merchant/professional-service coverage remains conditional.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 39, "topic": "Current CPPA contract-related prohibitions", "all_original_cells_read": true, "original_researcher_status": "Answered at selected-provision level", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-41 Saved research record

Opinion posture and read limits

Recorded check status: recorded; no individual primary acceptance inferred

Status: Answered
Claims / models: C051–C054; S014–S017
Exact missing evidence or next bounded investigation: Comprehensive later-history/citator work not performed.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 40, "topic": "Opinion posture and read limits", "all_original_cells_read": true, "original_researcher_status": "Answered", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-42 Saved research record

Actual provider/contract approval

Recorded check status: recorded; no individual primary acceptance inferred

Status: Excluded
Claims / models: All models
Exact missing evidence or next bounded investigation: No actual provider, agreement or authorization facts supplied or searched.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 41, "topic": "Actual provider/contract approval", "all_original_cells_read": true, "original_researcher_status": "Excluded", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

coverage-43 Saved research record

Remaining state-parent/A066 categories

Recorded check status: recorded; no individual primary acceptance inferred

Status: Excluded and preserved
Claims / models: C057–C058
Exact missing evidence or next bounded investigation: Later authorized passes; no acceptance by implication.

Recorded coordinator check boundaries

coordinator acceptance: scoped_coordinator_review_UNSENT_F02_pinpoint_and_all_remaining_source_contract_application_parent_holds
coordinator review note: {"row_zero_based": 42, "topic": "Remaining state-parent/A066 categories", "all_original_cells_read": true, "original_researcher_status": "Excluded and preserved", "researcher_record_unchanged": true, "exact_remaining_question_and_next_source_action_unchanged": true, "accepted": false, "linked_audit_F02_citation_only_UNSENT": [], "FCRAcurrentbody_reverification_hold": false}

Corrections, review and scope

How to read the research →

S_DC-P4-F001

F02 correctly describes two-year signed receipt acknowledgment retention but cites1679c(b). Actual current1679c(b) is separate statement; retention is1679c(c)(1)-(2). C033 cites whole1679c and remains supported within coverage/currentness limits.

Disposition: correction queued; no replacement research was generated for this website. Use the exact recorded limits.

Recorded review disposition

scoped coordinator contract electronic authority review complete F02 pinpoint correction UNSENT FCRA reverification and all source application holds

Other components in this research series

S_DCpass-01

SDC — District of Columbia

Inside: Initial controlling findings · 1. Definitions and business-model classification · 2. Prohibition, licensing, registration, and exemptions

7 tables15 claim records10 source recordsScoped review · limits applyCaptured 2026-10-25

S_DCpass-02

SDC — District of Columbia

Inside: 1.1 The affirmative provider framework exists · 1.2 Commercial debt settlement is strongly, but not finally judicially, within that framework · 1.3 DISB is the current administering regulator

7 tables33 claim records23 source recordsScoped review · limits applyCaptured 2026-10-26

S_DCpass-03

P02 audit-trail repairs and remaining public CCSO procedure/rule gaps

Inside: P02 audit-trail repairs and remaining public CCSO procedure/rule gaps · 1.1 Before-and-after correction map · A. Current CCSO statement, checklist, renewal form, and submission instructions

7 tables19 claim records34 source recordsScoped review · limits applyCaptured 2026-10-27

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Record integrity

Original saved Markdown SHA-256: 6f376033cbf310f53e869c6cc17b5541ed87a9e7834ac22125c180cf1e6590b4. Public formatting, private-reference removal and correction annotations are separate from that immutable original.