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Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.
SettleADebt.com — S_KS, PASS-10
Bounded PASS-03 funds/source corrections
Fresh targeted access: October 26, 2026, Pacific / October 26, 2026, UTC Character: Same-coordinator correction; not an independent review. All other PASS-03 findings, eight ledgers, 11 scalar calculations, conditional federal analysis, and unresolved operational holds remain unchanged.
| Correction group and affected PASS-03 identifiers | Exact replacement wording | Direct sources, pinpoints, and access/version status | Residual holds |
|---|---|---|---|
| 1. Statutory calendar-day computation Affected substantive text: PASS-03 §A2.2 and all statements that no weekend/holiday rule was reviewed. Affected claims: S_KS-P3-C007 (four-calendar-day deposit); S_KS-P3-C014 (ten-calendar-day rescission return); S_KS-P3-C017 (three-calendar-day out-of-state record production); S_KS-P3-C018 (15-calendar-day event report). Affected coverage: “Weekend/holiday exception”; “Four-calendar-day trust deposit”; “Ten-calendar-day current-held return”; “Out-of-state record production”; “Annual report and event notices.” Affected source family: S_KS-P3-S001, supplemented prospectively by K.S.A. 60-206(a). | Withdraw: “No reviewed weekend/holiday exception” and any implication that the four-, ten-, three-, or 15-calendar-day periods lack a Kansas computation rule. Replace with: “K.S.A. 60-206(a) expressly governs a time period stated in any Kansas statute or administrative rule or regulation when that authority does not specify a different method of computation. The affected CSO provisions specify the unit as ‘calendar days’ but do not separately specify how to treat the triggering day or a terminal weekend or legal holiday. Under the statutory default method: • exclude the day of the event that triggers the period; • count every intermediate day, including Saturdays, Sundays, and legal holidays; • include the last day, except that a last day falling on a Saturday, Sunday, or legal holiday continues to the next day that is none of those; and • determine a ‘next day’ by counting forward for a period measured after an event and backward for a period measured before an event. A legal holiday is a day declared a holiday by the President, Congress, the Kansas Legislature, or an order of the Kansas Supreme Court; a half holiday is not treated as a legal holiday. The four affected CSO periods are all measured after an event, so the backward-counting definition does not independently change them.” Kansas Legislature Corrected claim qualifications: C007: Funds for creditor disbursement remain subject to deposit within four calendar days after receipt, computed under the above default method unless a different controlling computation rule applies. Kansas Legislature C014: Funds then held for the consumer remain subject to return within ten calendar days after receipt of rescission, using the same default computation method. Kansas Legislature C017: Out-of-state records remain due within three calendar days after the statutory trigger, using the same default computation method. Kansas Legislature C018: Specified event reports remain due within 15 calendar days of the event, using the same default computation method. Kansas Legislature This correction does not import court-clerk closing hours, clerk-office inaccessibility, court extension powers, excusable-neglect relief, or extra days for mail or electronic service into CSO fund operations. | Current source: K.S.A. 60-206(a)(1), (5), and (6): https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0006_section/060_002_0006_k/ Fresh complete necessary subsection read on Oct. 26, 2026. Relevant operative text appears in webpage lines 57–62. This was a fresh prospective correction source, not part of the original P3 access history. Kansas Legislature Affected CSO provisions: https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/ — §50-1122(a), (c). Kansas Legislature https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0025_section/050_011_0025_k/ — §50-1125(c). Kansas Legislature https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0024_section/050_011_0024_k/ — §50-1124(b). Kansas Legislature | No actual receipt date, event date, final day, legal holiday, or contrary transaction-specific computation rule was supplied. Therefore, no individual calendar deadline is calculated. No CSO-specific controlling appellate decision addressing these exact periods was located in the focused search. The correction applies the current general statutory computation text; it is not represented as a CSO-specific case holding. The original ledger balances and return amounts remain unchanged. |
| 2. K.S.A. 50-1122(b)(2) remittance “or” Affected substantive text: PASS-03 §A2.3 and the executive-summary, account-model-matrix, and remittance discussion describing a verified “20-calendar-day outside constraint.” Affected claim: S_KS-P3-C009. Affected coverage: “Creditor-remittance deadline.” Affected source: S_KS-P3-S001, §§50-1122(b)(2) and 50-1121(a). | Withdraw: The categorical statement that Kansas establishes a verified universal 20-calendar-day outside cap. Replace §A2.3 and C009 with: “K.S.A. 50-1122(b)(2) literally requires the licensee to disburse consumer funds to creditors ‘within 20 calendar days after receipt’ or ‘the latest date before the consumer would incur any fee, charge or penalty due to delay in payment.’ The statute does not say ‘whichever is earlier’ or ‘whichever is later.’ K.S.A. 50-1121(a) separately prohibits delaying payment for the purpose of increasing consumer interest, costs, fees, or charges. The purposeful-delay prohibition does not textually resolve how the two alternative dates in §50-1122(b)(2) relate in every circumstance.” Kansas Legislature+1 “No controlling Kansas case, published formal OSBC interpretation, or operative rule was located that resolves the word ‘or’ into a universal earlier-of or later-of rule. Accordingly: • treating the earlier of the two dates as the operating deadline is a conservative consumer-protective compliance assumption, not an established Kansas holding; • the 20-day clause should not be described as a conclusively verified universal outside cap; and • the second clause likewise should not be treated as affirmative permission to delay beyond 20 days.” Corrected C009: “Section 50-1122(b)(2) establishes two textual remittance benchmarks joined by ‘or’: 20 calendar days after receipt and the latest date before delay would cause a consumer fee, charge, or penalty. Section 50-1121(a) separately forbids purposeful delay designed to increase charges. The controlling relation between the two benchmarks remains unresolved; an earlier-of operating rule is conservative, not a verified judicial or agency construction.” | Current statutory text: https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/ Fresh read of complete §50-1122(b)(2) on Oct. 26, 2026; operative language appears at webpage line 58. Kansas Legislature https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0021_section/050_011_0021_k/ Fresh read of §50-1121(a); operative purposeful-delay prohibition appears at webpage line 58. Kansas Legislature Focused official-source searches for the exact clause and statutory citation located the statute and OSBC compilation but no resolving primary decision or formal interpretation. The original source-access history remains preserved. | Actual creditor due dates, grace periods, posting conventions, when a fee or penalty is incurred, bank-settlement timing, receipt date, and evidence of a provider’s purpose remain transaction-specific and unresolved. No deadline arithmetic or ledger amount changes. The original duties to correct misdirected payments and reimburse resulting actual creditor charges remain unchanged. |
| 3. July 1, 2026 KMTA amendment and source-version conflict Affected substantive text: PASS-03 §A5.2 and the limited KMTA gateway discussion. Affected sources: S_KS-P3-S007 and S_KS-P3-S008. Affected claims: S_KS-P3-C030, S_KS-P3-C031, and S_KS-P3-C035. Affected coverage: “KMTA administrator gateway”; “Direct CSO/KMTA overlap”; source-currentness qualifications for the administrator/processor/account-control matrix. Unaffected: C032–C034 except where their gateway source version depends on the corrected current definitions or exemptions. | A. Correct the ordinary money-transmission gateway and S007/C030 currentness Replace with: “Effective July 1, 2026, HB 2591 §15 amended K.S.A. 9-555. The existing ordinary branch—receiving money for transmission from a person located in Kansas—remained part of the definition. The amendment added virtual-currency-kiosk and three-party-exchange branches and added exclusions for specified two-party and virtual-currency-to-virtual-currency exchanges. The ordinary administrator gateway therefore remains supported by the receiving-money branch, while the added virtual-currency provisions are separate.” Kansas Legislature+1 As freshly checked, the current Revisor §9-555 webpage still displays the pre-amendment four-branch definition and January 1, 2025 effective clause, while showing HB 2591 under “Measures Affecting This Section.” It is therefore not a fully consolidated source for the July 1 amendments. Kansas Legislature+1 Corrected C030: “The operative KMTA definition continues to include receiving money for transmission from a person in Kansas. Effective July 1, 2026, §9-555 also includes the enacted virtual-currency-kiosk and three-party-exchange amendments. Licensing remains required absent authorized-delegate or applicable exemption status. For the post-July 1 definition, the enacted bill, certified Kansas Register text, and amended agency compilation are more reliable than the currently unconsolidated Revisor display.” B. Correct §9-556(a)(13) from government-agent to bank/depository-agent pathway Replace §A5.2 and C031 in the affected part with: “Effective July 1, 2026, HB 2591 §16 struck the paragraph (a)(6) cross-reference in §9-556(a)(13) and inserted (7). Paragraph (7) is the federally insured depository financial institution, bank holding company, specified international banking office/foreign bank, and specified federally organized corporation exemption. Paragraph (13) therefore supplies a conditional third-party-service-provider or agent route tied to a qualifying paragraph-(7) exempt entity—not the state-government exemption in paragraph (6).” Kansas Secretary of State+1 The exemption remains available only to the extent that all of the following are established: • express appointment as the exempt entity’s third-party service provider or agent; • money transmission on behalf of the exempt entity; • a written agreement identifying the specific functions the provider or agent will perform; and • the exempt entity’s assumption of all risk of loss and all legal responsibility for satisfying outstanding money-transmission obligations upon the provider’s or agent’s receipt of the purchaser’s or holder’s money or monetary value. Kansas Secretary of State+1 State governmental entities remain separately exempt under paragraph (6), and governmental-benefit transfers remain separately addressed by paragraph (8); neither is the corrected paragraph-(13) cross-reference. Kansas Secretary of State Corrected C031: “Payment-system, payee-agent, intermediary, depository-institution, employee, third-party-service-provider/agent, professional-practice, payroll-agent, and Commissioner exemptions remain condition-specific. After July 1, 2026, the subsection (a)(13) service-provider/agent route is tied to a paragraph-(7) depository/banking exempt entity and requires express appointment, a function-specific written agreement, and complete assumption of risk and legal responsibility by that exempt entity. No exemption follows from a bank relationship, administrator label, or contract name alone.” C. Preserve but refine C035 Corrected C035: “Current §9-556 still contains no express exemption merely for holding a Kansas CSO license. Whether a direct licensed custodial CSO also requires KMTA authority remains unresolved. Separately, an actual administrator or service provider acting for a qualifying paragraph-(7) depository/banking entity may have a conditional §9-556(a)(13) route only if every statutory condition is proved; that exemption does not transfer automatically to the CSO, its affiliates, or another administrator.” D. Correct source status • S_KS-P3-S007 remains an accurate record of the original P3 Revisor access, but it may not be described as a complete post-July 1 consolidation. Fresh review shows §9-555 remains unconsolidated and §9-556(13) still displays the obsolete (a)(6) cross-reference even though its paragraph (7) bank exemption is displayed. Kansas Legislature+1 • S_KS-P3-S008 correctly reflects the amended substantive cross-reference to paragraph (7) and the amended §9-555 definition. However, its §9-556 history line incorrectly attributes the 2026 amendment to HB 2591 §15; the enacted amendment to §9-556 is §16. Kansas Bank Commissioner+2 | Enrolled HB 2591: https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/hb_2591/hb2591_enrolled.pdf Fresh targeted parsed and visual inspection, not a whole-bill reread: • §15 definition amendments: PDF indices 9–11 / printed pages 10–12; relevant ordinary and added branches at indices 9–10, and definitions (31)–(32) at index 11 / printed page 12. Kansas Legislature+2 • §16 amendment: PDF indices 11–13 / printed pages 12–14; corrected paragraph-(13) cross-reference appears at PDF index 12 / printed page 13. Kansas Legislature+2 • §§22–23: PDF index 19 / printed page 20. Section 22 repeals the prior 9-555 and 9-556 text on and after July 1, 2026; §23 makes the act effective after Kansas Register publication. Kansas Legislature Secretary of State certified Kansas Register: https://sos.ks.gov/publications/Register/Volume-45/Issues/Issue-18/04-30-26-54119.html Fresh HTML read: certification at lines 138–143; publication April 30, 2026 at lines 147–149; §15 begins at lines 423–425; §16 begins at lines 519–520; paragraph-(13) amendment and conditions at lines 545–549; §§22–23 at lines 712–716. Kansas Secretary of State+4 Secretary of State session-laws index: https://sos.ks.gov/publications/session-laws.html Fresh read: Chapter 102 / HB 2591 records Governor approval on April 9, 2026 and Kansas Register publication/effectiveness on April 30, 2026. Kansas Secretary of State Current OSBC KMTA compilation: https://osbckansas.gov/legal/kmta_2026.pdf Fresh targeted parsed and visual inspection: • amended §9-555 definition at PDF indices 4–5 / printed KMTA Statutes pages 3–4; Kansas Bank Commissioner • §9-556(a)(13) at PDF indices 8–9 / printed pages 7–8; amended paragraph-(7) cross-reference appears at index 8 / printed page 7, with conditions continuing at index 9 / printed page 8; Kansas Bank Commissioner+1 • the compilation’s history line incorrectly says “2026 HB 2591, §15” for §9-556. Kansas Bank Commissioner Current Revisor pages showing incomplete consolidation: https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0055_section/009_005_0055_k/ Kansas Legislature https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0056_section/009_005_0056_k/ Kansas Legislature Conflicting generic bill-page metadata: https://www.kslegislature.gov/b2025_26/bills/hb2591/ The generic bill page still says “publication in the statute book,” which conflicts with the enrolled §23, the certified Kansas Register publication, and the Secretary of State Chapter 102 row. That generic metadata is not used for the operative-date conclusion. Kansas Legislature+2 | Effective-date distinction: Governor approval occurred April 9, 2026; publication occurred April 30, 2026; the act generally became effective upon that Kansas Register publication; §§15 and 16 expressly made the amendments to §§9-555 and 9-556 operative on and after July 1, 2026. Those dates are not interchangeable. Kansas Secretary of State+3 No actual bank, administrator, service-provider appointment, written agreement, risk assumption, legal-responsibility assumption, license, authorized-delegate relationship, or transaction facts were supplied. No entity is found exempt. The direct CSO/KMTA overlap remains unresolved, as do actual account control, ACH authority, agency, receipt, and loss-allocation facts. The literal K.S.A. 9-582(c) wording and its refund exceptions remain unchanged. No full KMTA, kiosk, amendment-history, or agency-order audit was performed. |
END S_KS PASS-10.
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Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.
Captured table 01
Correction group and affected PASS-03 identifiers · Exact replacement wording · Direct sources, pinpoints, and access/version status · 3 data rows
| Correction group and affected PASS-03 identifiers | Exact replacement wording | Direct sources, pinpoints, and access/version status | Residual holds |
|---|---|---|---|
| 1. Statutory calendar-day computation Affected substantive text: PASS-03 §A2.2 and all statements that no weekend/holiday rule was reviewed. Affected claims: S_KS-P3-C007 (four-calendar-day deposit); S_KS-P3-C014 (ten-calendar-day rescission return); S_KS-P3-C017 (three-calendar-day out-of-state record production); S_KS-P3-C018 (15-calendar-day event report). Affected coverage: “Weekend/holiday exception”; “Four-calendar-day trust deposit”; “Ten-calendar-day current-held return”; “Out-of-state record production”; “Annual report and event notices.” Affected source family: S_KS-P3-S001, supplemented prospectively by K.S.A. 60-206(a). | Withdraw: “No reviewed weekend/holiday exception” and any implication that the four-, ten-, three-, or 15-calendar-day periods lack a Kansas computation rule. Replace with: “K.S.A. 60-206(a) expressly governs a time period stated in any Kansas statute or administrative rule or regulation when that authority does not specify a different method of computation. The affected CSO provisions specify the unit as ‘calendar days’ but do not separately specify how to treat the triggering day or a terminal weekend or legal holiday. Under the statutory default method: • exclude the day of the event that triggers the period; • count every intermediate day, including Saturdays, Sundays, and legal holidays; • include the last day, except that a last day falling on a Saturday, Sunday, or legal holiday continues to the next day that is none of those; and • determine a ‘next day’ by counting forward for a period measured after an event and backward for a period measured before an event. A legal holiday is a day declared a holiday by the President, Congress, the Kansas Legislature, or an order of the Kansas Supreme Court; a half holiday is not treated as a legal holiday. The four affected CSO periods are all measured after an event, so the backward-counting definition does not independently change them.” Kansas Legislature Corrected claim qualifications: C007: Funds for creditor disbursement remain subject to deposit within four calendar days after receipt, computed under the above default method unless a different controlling computation rule applies. Kansas Legislature C014: Funds then held for the consumer remain subject to return within ten calendar days after receipt of rescission, using the same default computation method. Kansas Legislature C017: Out-of-state records remain due within three calendar days after the statutory trigger, using the same default computation method. Kansas Legislature C018: Specified event reports remain due within 15 calendar days of the event, using the same default computation method. Kansas Legislature This correction does not import court-clerk closing hours, clerk-office inaccessibility, court extension powers, excusable-neglect relief, or extra days for mail or electronic service into CSO fund operations. | Current source: K.S.A. 60-206(a)(1), (5), and (6): https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0006_section/060_002_0006_k/ Fresh complete necessary subsection read on Oct. 26, 2026. Relevant operative text appears in webpage lines 57–62. This was a fresh prospective correction source, not part of the original P3 access history. Kansas Legislature Affected CSO provisions: https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/ — §50-1122(a), (c). Kansas Legislature https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0025_section/050_011_0025_k/ — §50-1125(c). Kansas Legislature https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0024_section/050_011_0024_k/ — §50-1124(b). Kansas Legislature | No actual receipt date, event date, final day, legal holiday, or contrary transaction-specific computation rule was supplied. Therefore, no individual calendar deadline is calculated. No CSO-specific controlling appellate decision addressing these exact periods was located in the focused search. The correction applies the current general statutory computation text; it is not represented as a CSO-specific case holding. The original ledger balances and return amounts remain unchanged. |
| 2. K.S.A. 50-1122(b)(2) remittance “or” Affected substantive text: PASS-03 §A2.3 and the executive-summary, account-model-matrix, and remittance discussion describing a verified “20-calendar-day outside constraint.” Affected claim: S_KS-P3-C009. Affected coverage: “Creditor-remittance deadline.” Affected source: S_KS-P3-S001, §§50-1122(b)(2) and 50-1121(a). | Withdraw: The categorical statement that Kansas establishes a verified universal 20-calendar-day outside cap. Replace §A2.3 and C009 with: “K.S.A. 50-1122(b)(2) literally requires the licensee to disburse consumer funds to creditors ‘within 20 calendar days after receipt’ or ‘the latest date before the consumer would incur any fee, charge or penalty due to delay in payment.’ The statute does not say ‘whichever is earlier’ or ‘whichever is later.’ K.S.A. 50-1121(a) separately prohibits delaying payment for the purpose of increasing consumer interest, costs, fees, or charges. The purposeful-delay prohibition does not textually resolve how the two alternative dates in §50-1122(b)(2) relate in every circumstance.” Kansas Legislature +1 “No controlling Kansas case, published formal OSBC interpretation, or operative rule was located that resolves the word ‘or’ into a universal earlier-of or later-of rule. Accordingly: • treating the earlier of the two dates as the operating deadline is a conservative consumer-protective compliance assumption, not an established Kansas holding; • the 20-day clause should not be described as a conclusively verified universal outside cap; and • the second clause likewise should not be treated as affirmative permission to delay beyond 20 days.” Corrected C009: “Section 50-1122(b)(2) establishes two textual remittance benchmarks joined by ‘or’: 20 calendar days after receipt and the latest date before delay would cause a consumer fee, charge, or penalty. Section 50-1121(a) separately forbids purposeful delay designed to increase charges. The controlling relation between the two benchmarks remains unresolved; an earlier-of operating rule is conservative, not a verified judicial or agency construction.” | Current statutory text: https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/ Fresh read of complete §50-1122(b)(2) on Oct. 26, 2026; operative language appears at webpage line 58. Kansas Legislature https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0021_section/050_011_0021_k/ Fresh read of §50-1121(a); operative purposeful-delay prohibition appears at webpage line 58. Kansas Legislature Focused official-source searches for the exact clause and statutory citation located the statute and OSBC compilation but no resolving primary decision or formal interpretation. The original source-access history remains preserved. | Actual creditor due dates, grace periods, posting conventions, when a fee or penalty is incurred, bank-settlement timing, receipt date, and evidence of a provider’s purpose remain transaction-specific and unresolved. No deadline arithmetic or ledger amount changes. The original duties to correct misdirected payments and reimburse resulting actual creditor charges remain unchanged. |
| 3. July 1, 2026 KMTA amendment and source-version conflict Affected substantive text: PASS-03 §A5.2 and the limited KMTA gateway discussion. Affected sources: S_KS-P3-S007 and S_KS-P3-S008. Affected claims: S_KS-P3-C030, S_KS-P3-C031, and S_KS-P3-C035. Affected coverage: “KMTA administrator gateway”; “Direct CSO/KMTA overlap”; source-currentness qualifications for the administrator/processor/account-control matrix. Unaffected: C032–C034 except where their gateway source version depends on the corrected current definitions or exemptions. | A. Correct the ordinary money-transmission gateway and S007/C030 currentness Replace with: “Effective July 1, 2026, HB 2591 §15 amended K.S.A. 9-555. The existing ordinary branch—receiving money for transmission from a person located in Kansas—remained part of the definition. The amendment added virtual-currency-kiosk and three-party-exchange branches and added exclusions for specified two-party and virtual-currency-to-virtual-currency exchanges. The ordinary administrator gateway therefore remains supported by the receiving-money branch, while the added virtual-currency provisions are separate.” Kansas Legislature +1 As freshly checked, the current Revisor §9-555 webpage still displays the pre-amendment four-branch definition and January 1, 2025 effective clause, while showing HB 2591 under “Measures Affecting This Section.” It is therefore not a fully consolidated source for the July 1 amendments. Kansas Legislature +1 Corrected C030: “The operative KMTA definition continues to include receiving money for transmission from a person in Kansas. Effective July 1, 2026, §9-555 also includes the enacted virtual-currency-kiosk and three-party-exchange amendments. Licensing remains required absent authorized-delegate or applicable exemption status. For the post-July 1 definition, the enacted bill, certified Kansas Register text, and amended agency compilation are more reliable than the currently unconsolidated Revisor display.” B. Correct §9-556(a)(13) from government-agent to bank/depository-agent pathway Replace §A5.2 and C031 in the affected part with: “Effective July 1, 2026, HB 2591 §16 struck the paragraph (a)(6) cross-reference in §9-556(a)(13) and inserted (7). Paragraph (7) is the federally insured depository financial institution, bank holding company, specified international banking office/foreign bank, and specified federally organized corporation exemption. Paragraph (13) therefore supplies a conditional third-party-service-provider or agent route tied to a qualifying paragraph-(7) exempt entity—not the state-government exemption in paragraph (6).” Kansas Secretary of State +1 The exemption remains available only to the extent that all of the following are established: • express appointment as the exempt entity’s third-party service provider or agent; • money transmission on behalf of the exempt entity; • a written agreement identifying the specific functions the provider or agent will perform; and • the exempt entity’s assumption of all risk of loss and all legal responsibility for satisfying outstanding money-transmission obligations upon the provider’s or agent’s receipt of the purchaser’s or holder’s money or monetary value. Kansas Secretary of State +1 State governmental entities remain separately exempt under paragraph (6), and governmental-benefit transfers remain separately addressed by paragraph (8); neither is the corrected paragraph-(13) cross-reference. Kansas Secretary of State Corrected C031: “Payment-system, payee-agent, intermediary, depository-institution, employee, third-party-service-provider/agent, professional-practice, payroll-agent, and Commissioner exemptions remain condition-specific. After July 1, 2026, the subsection (a)(13) service-provider/agent route is tied to a paragraph-(7) depository/banking exempt entity and requires express appointment, a function-specific written agreement, and complete assumption of risk and legal responsibility by that exempt entity. No exemption follows from a bank relationship, administrator label, or contract name alone.” C. Preserve but refine C035 Corrected C035: “Current §9-556 still contains no express exemption merely for holding a Kansas CSO license. Whether a direct licensed custodial CSO also requires KMTA authority remains unresolved. Separately, an actual administrator or service provider acting for a qualifying paragraph-(7) depository/banking entity may have a conditional §9-556(a)(13) route only if every statutory condition is proved; that exemption does not transfer automatically to the CSO, its affiliates, or another administrator.” D. Correct source status • S_KS-P3-S007 remains an accurate record of the original P3 Revisor access, but it may not be described as a complete post-July 1 consolidation. Fresh review shows §9-555 remains unconsolidated and §9-556(13) still displays the obsolete (a)(6) cross-reference even though its paragraph (7) bank exemption is displayed. Kansas Legislature +1 • S_KS-P3-S008 correctly reflects the amended substantive cross-reference to paragraph (7) and the amended §9-555 definition. However, its §9-556 history line incorrectly attributes the 2026 amendment to HB 2591 §15; the enacted amendment to §9-556 is §16. Kansas Bank Commissioner +2 | Enrolled HB 2591: https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/hb_2591/hb2591_enrolled.pdf Fresh targeted parsed and visual inspection, not a whole-bill reread: • §15 definition amendments: PDF indices 9–11 / printed pages 10–12; relevant ordinary and added branches at indices 9–10, and definitions (31)–(32) at index 11 / printed page 12. Kansas Legislature +2 • §16 amendment: PDF indices 11–13 / printed pages 12–14; corrected paragraph-(13) cross-reference appears at PDF index 12 / printed page 13. Kansas Legislature +2 • §§22–23: PDF index 19 / printed page 20. Section 22 repeals the prior 9-555 and 9-556 text on and after July 1, 2026; §23 makes the act effective after Kansas Register publication. Kansas Legislature Secretary of State certified Kansas Register: https://sos.ks.gov/publications/Register/Volume-45/Issues/Issue-18/04-30-26-54119.html Fresh HTML read: certification at lines 138–143; publication April 30, 2026 at lines 147–149; §15 begins at lines 423–425; §16 begins at lines 519–520; paragraph-(13) amendment and conditions at lines 545–549; §§22–23 at lines 712–716. Kansas Secretary of State +4 Secretary of State session-laws index: https://sos.ks.gov/publications/session-laws.html Fresh read: Chapter 102 / HB 2591 records Governor approval on April 9, 2026 and Kansas Register publication/effectiveness on April 30, 2026. Kansas Secretary of State Current OSBC KMTA compilation: https://osbckansas.gov/legal/kmta_2026.pdf Fresh targeted parsed and visual inspection: • amended §9-555 definition at PDF indices 4–5 / printed KMTA Statutes pages 3–4; Kansas Bank Commissioner • §9-556(a)(13) at PDF indices 8–9 / printed pages 7–8; amended paragraph-(7) cross-reference appears at index 8 / printed page 7, with conditions continuing at index 9 / printed page 8; Kansas Bank Commissioner +1 • the compilation’s history line incorrectly says “2026 HB 2591, §15” for §9-556. Kansas Bank Commissioner Current Revisor pages showing incomplete consolidation: https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0055_section/009_005_0055_k/ Kansas Legislature https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0056_section/009_005_0056_k/ Kansas Legislature Conflicting generic bill-page metadata: https://www.kslegislature.gov/b2025_26/bills/hb2591/ The generic bill page still says “publication in the statute book,” which conflicts with the enrolled §23, the certified Kansas Register publication, and the Secretary of State Chapter 102 row. That generic metadata is not used for the operative-date conclusion. Kansas Legislature +2 | Effective-date distinction: Governor approval occurred April 9, 2026; publication occurred April 30, 2026; the act generally became effective upon that Kansas Register publication; §§15 and 16 expressly made the amendments to §§9-555 and 9-556 operative on and after July 1, 2026. Those dates are not interchangeable. Kansas Secretary of State +3 No actual bank, administrator, service-provider appointment, written agreement, risk assumption, legal-responsibility assumption, license, authorized-delegate relationship, or transaction facts were supplied. No entity is found exempt. The direct CSO/KMTA overlap remains unresolved, as do actual account control, ACH authority, agency, receipt, and loss-allocation facts. The literal K.S.A. 9-582(c) wording and its refund exceptions remain unchanged. No full KMTA, kiosk, amendment-history, or agency-order audit was performed. |
Find the assertion and its boundaries
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What was examined—and what is still missing
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Corrections, review and scope
Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.
No currently queued material correction is mapped to this component. This does not remove its currentness, access, jurisdiction or application limits.
Recorded review disposition
accepted with limits three group funds source patch
Other components in this research series
S_KSpass-01
Kansas provider market access and consumer fees
Inside: Kansas provider market access and consumer fees · Bottom-line determination · 1. Classification of debt adjustment, settlement, DMP, credit counseling, and related conduct
8 tables44 claim records18 source recordsScoped review · limits applyCaptured 2026-10-25
S_KSpass-02
Bounded precision-correction addendum
Inside: Bounded precision-correction addendum · A1. Replace the A3.1 electronic-processing fee row · Replacement for S_KS-P1-C026
6 tables17 claim records9 source recordsScoped review · limits applyCaptured 2026-10-26
S_KSpass-03
Kansas consumer-money custody, trust, administration, and return
Inside: Kansas consumer-money custody, trust, administration, and return · 1. Covered fund flows and account architecture · 1.1 Direct custodial debt-management flow
5 tables38 claim records11 source recordsScoped review · limits applyCaptured 2026-10-26
S_KSpass-04
Kansas bond, insurance, and alternative-security component
Inside: Kansas bond, insurance, and alternative-security component · 1.1 Trigger · 1.3 Applicant, principal, obligee, and issuer
9 tables40 claim records14 source recordsScoped review · limits applyCaptured 2026-10-26
S_KSpass-05
Kansas mandatory agreement, disclosure, and execution component
Inside: Kansas mandatory agreement, disclosure, and execution component · 1.1 The agreement duties follow covered status · 1.2 Model-security and structural fit
11 tables56 claim records11 source recordsScoped review · limits applyCaptured 2026-10-26
S_KSpass-06
Kansas credit-services/debt-adjusting enforcement, private remedies, and remedy-specific limitations
Inside: Kansas credit-services/debt-adjusting enforcement, private remedies, and remedy-specific limitations · A1. Model-by-remedy matrix · A2. Remedy-by-claimant matrix
10 tables60 claim records23 source recordsScoped review · limits applyCaptured 2026-10-26
S_KSpass-07
Kansas collection-agency and debt-buyer licensing, original-creditor coverage, and state-specific collection conduct
Inside: A1. No general statewide OSBC collection-agency license established · A2. Kansas UCCC jurisdiction and remote nexus · A3. Supervised-lender licensing of assignees and debt buyers
6 tables63 claim records25 source recordsCorrections to readCaptured 2026-10-26
S_KSpass-08
Bounded security source/provenance corrections
Inside: Bounded PASS-04 security source/provenance corrections
1 tables0 claim records0 source recordsScoped review · limits applyCaptured 2026-10-26
S_KSpass-09
Kansas prelitigation debt validation, disputes, and consumer access to account documentation
Inside: Kansas prelitigation debt validation, disputes, and consumer access to account documentation · A2. Original agreement copy · A3. Assignment notice and reasonable proof
10 tables52 claim records13 source recordsCorrections to readCaptured 2026-10-26
S_KSpass-11
Kansas ordinary consumer-debt credit reporting, furnishing, and dispute overlays
Inside: Kansas ordinary consumer-debt credit reporting, furnishing, and dispute overlays · A1. Kansas actor and duty matrix · A2. Kansas file access
9 tables62 claim records13 source recordsCorrections to readCaptured 2026-10-26
S_KSpass-12
Kansas ordinary unsecured consumer-debt limitation, accrual, choice of law, tolling, and revival
Inside: Kansas ordinary unsecured consumer-debt limitation, accrual, choice of law, tolling, and revival · A1. Written versus unwritten obligations · A2. Credit cards and revolving debt
9 tables60 claim records29 source recordsCorrections to readCaptured 2026-10-26
S_KSpass-13
Kansas ordinary consumer-debt civil case entry, venue, service, response, default, and bounded vacatur procedure
Inside: Kansas ordinary consumer-debt civil case entry, venue, service, response, default, and bounded vacatur procedure · A1. Kansas court structure · A2. Route matrix
9 tables70 claim records30 source recordsCorrections to readCaptured 2026-10-26
S_KSpass-14
Bounded electronic-rescission application clarification
Inside: Bounded PASS-05 electronic-rescission application clarification · 1. Replacement and affected cells · 2. Corrected claim cells
4 tables4 claim records5 source recordsScoped review · limits applyCaptured 2026-10-26
S_KSpass-15
Kansas ordinary consumer-debt lawsuit standing, assignment chain, debt proof, account/instrument records, and evidence
Inside: Kansas ordinary consumer-debt lawsuit standing, assignment chain, debt proof, account/instrument records, and evidence · A1. The concepts must remain distinct · A2. Plaintiff-model matrix
14 tables58 claim records25 source recordsCorrections to readCaptured 2026-10-26
S_KSpass-16
Two bounded remedies precision corrections
Inside: Two bounded PASS-06 remedies precision corrections · 1. Complete two-group disposition · 2. Replacement for PASS-06 B1
6 tables8 claim records9 source recordsScoped review · limits applyCaptured 2026-10-26
S_KSpass-17
Kansas ordinary consumer-debt and debt-relief-agreement arbitration gateway
Inside: Kansas ordinary consumer-debt and debt-relief-agreement arbitration gateway · A1. State-versus-federal threshold matrix · A2. 2018 enactment and current-status check
11 tables64 claim records34 source recordsCorrections to readCaptured 2026-10-26
S_KSpass-18
Kansas ordinary consumer-debt arbitration award to court judgment
Inside: Kansas ordinary consumer-debt arbitration award to court judgment · A1. Act/version matrix · A2. Award-form matrix
18 tables65 claim records24 source recordsCorrections to readCaptured 2026-10-26
S_KSpass-19
Kansas ordinary consumer-debt court-judgment interest, dormancy, revival, liens, and satisfaction
Inside: Kansas ordinary consumer-debt court-judgment interest, dormancy, revival, liens, and satisfaction · A1. Judgment-type matrix · B1. Interest-layer matrix
10 tables55 claim records30 source recordsCorrections to readCaptured 2026-10-26
S_KSpass-20
Kansas ordinary unsecured consumer-debt wage garnishment and earnings exemptions
Inside: Kansas ordinary unsecured consumer-debt wage garnishment and earnings exemptions · A1. Ordinary postjudgment routes · A2. Prejudgment boundary
9 tables75 claim records25 source recordsCorrections to readCaptured 2026-10-26
S_KSpass-21
Kansas ordinary unsecured consumer-debt bank-account garnishment, deposit and benefit exemptions, and tracing
Inside: Kansas ordinary unsecured consumer-debt bank-account garnishment, deposit and benefit exemptions, and tracing · A1. Court and route matrix · A2. What the order reaches
10 tables62 claim records20 source recordsCorrections to readCaptured 2026-10-26
S_KSpass-22
Kansas ordinary unsecured consumer-money-judgment nonwage, nonbank personal-property execution and exemptions
Inside: Kansas ordinary unsecured consumer-money-judgment nonwage, nonbank personal-property execution and exemptions · A1. Court-route matrix · A2. Judgment entry and 14-day stay
11 tables54 claim records20 source recordsCorrections to readCaptured 2026-10-26
S_KSpass-23
Kansas ordinary consumer-money-judgment real-estate execution and homestead protection
Inside: Kansas ordinary consumer-money-judgment real-estate execution and homestead protection · A1. Stage matrix · A2. Effective judgment and enforcement stay
10 tables53 claim records24 source recordsCorrections to readCaptured 2026-10-26
Record integrity
Original saved Markdown SHA-256: 0faf48572f7ea3ef1f8a4fb38b2eb703535c8ddf77c901126088f58c303fbbb1. Public formatting, private-reference removal and correction annotations are separate from that immutable original.