FIND THE EXPLANATION
Use the notice, agreement, and places connected to the debt to find the right court, regulator, or legal-help service.
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If you came here to check a specific citation, open the original archive below. It includes its source dates and recorded qualifications.
The explanation above is written for readers. These original working documents preserve the evidence trail, including technical language, dated passages and known corrections. They have not all received independent professional review. Use the marked limits before relying on a particular rule or figure.
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.
Actual access date: October 24, 2026, Pacific Time. Actual model/mode: GPT-5.6 Sol Pro, regular Chat. Patch boundary: PASS-01 remains immutable. This supplement replaces or qualifies only the identified source-access, Rule 706, provider-fee, bond-mechanic, education-submission-fee, and 2007-effective-date cells. It does not rerun the broad Maine investigation or the 11 worked examples.
| Affected PASS-01 item | Exact PASS-02 replacement or qualification |
|---|---|
| S_ME-P1-S007 | Replace the former “direct page returned 403” access characterization with: the official Secretary of State www1.maine.gov rule inventory was actually read; it identifies 02-030 Bureau of Consumer Credit Protection and directly links Chapter 706. The page says posted rules are intended to be current but are not certified adjudicatory/evidentiary copies. [P2-S001; P2-C001] Maine.gov+1 |
| S_ME-P1-S008 | Third-party Rule 706 reproductions are no longer the best available source for the rule’s identity or effective status. Use the official SOS inventory, official linked Word route, and official annual rulemaking report instead. The web tool did not parse the Word body; section-level Word findings below are expressly documented coordinator reuse, not a newly claimed assistant full-text read. [P2-S002–S003; P2-C001–C003] (Website Name Missing) |
| S_ME-P1-S009 | Replace “search-index text only; direct fetch returned 403” with an actual full-page read of the Bureau’s debt-management licensing page, including NMLS filing instructions and the complete visible fee table. [P2-S004; P2-C004] Maine.gov |
| S_ME-P1-S011 | Replace “search-index text only; direct fetch returned 403” with an actual full-page read of the Bureau’s ESB page, including conversion dates, renewal hold, and branch-coverage mechanics. [P2-S005; P2-C006] Maine.gov |
| S_ME-P1-C026 | Retain the statutory $800 initial-registration ceiling, $600 reregistration ceiling, $100 late charge, and separately determined NMLS processing charge. Supplement with the Bureau’s current stated state fees and the separate $100 education-program submission fee. Do not combine those categories. [P2-C004–C005, C007–C008] Maine State Legislature+1 |
| S_ME-P1-C027 | Replace the former source-confidence qualification with: $500 company application, $250 branch application, $250 company renewal, and $250 branch renewal are now confirmed on the actual current Bureau page as well as in the Rule 706 text documented by the coordinator. Add the Bureau’s $25-per-change amendment fee and its NMLS-nonrefundability statement. [P2-C003–C004] Maine.gov |
| S_ME-P1-C028 | Upgrade the “NMLS is the current filing route” portion to directly read official agency support. Preserve the public-status limitation: no generated Maine checklist and no named entity, DBA, branch, or registration status were checked. [P2-C004–C005] Maine.gov |
| S_ME-P1-C029 | Replace “reported effective” with “officially verified filing 2023-139, effective September 2, 2023.” Retain the registration-period ambiguity because the rule contains calendar-year, November-or-later, and NMLS-determined-period provisions. Current authority dates still must come from the live NMLS record. [P2-C002, C010] Maine State Legislature+1 |
| S_ME-P1-C036 | Strengthen the operational evidence: the officially linked Rule 706 text expressly contemplates an “individual or entity,” a sole proprietorship, and a sole proprietor’s résumé. The textual tension with §6173(2)’s use of “organization” remains unresolved; Rule 706’s application path does not itself constitute a controlling construction of every natural-person case. [P2-C003, C009] |
| S_ME-P1-C016 / education-fee discussion | Add that each consumer-education-program submission to the administrator carries a $100 government fee. Preserve the separate reasonable consumer charge ceiling of $50. [P2-C007–C008] Maine State Legislature |
| S_ME-P1-S006 / C008 date qualification | The September 20, 2007 effective date is directly shown in the official chaptered-law text and no longer requires qualification as an unauthenticated inferred date. [P2-S009; P2-C011] Maine State Legislature+1 |
| Source ID | Title / issuer | Direct literal URL | Exact pinpoint, version, and status | Actual access and limitations |
|---|---|---|---|---|
| S_ME-P2-S001 | Department of Professional and Financial Regulation Rules — Maine Secretary of State | https://www1.maine.gov/sos/rulemaking/agency-rules/department-professional-and-financial-regulation-rules | Page lines 263–268: download instructions and noncertified-copy warning; lines 362–386: 02-030 Bureau of Consumer Credit Protection and Chapter 706 link. Current official posting accessed Oct. 24, 2026. | Freshly read. The state says it attempts to post the most current rule versions but that these are not certified copies for adjudicatory or evidentiary proceedings. No certified copy was requested. Maine.gov+1 |
| S_ME-P2-S002 | Chapter 706 Word document — Maine Secretary of State / BCCP | https://www1.maine.gov/sos/sites/maine.gov.sos/files/content/assets/030c706.doc | Relevant coordinator-read pinpoints: General Provisions IV(2), IV(4)(e), IV(5)(a)–(c), IV(6)(a), (c), (h), (k), IV(7)(a)–(d), and footer “September 2, 2023 — filing 2023-139.” | The official link was independently verified. The present web tool returned unsupported application/msword, not 403. The assistant did not freshly parse the complete Word body. The section-level contents are documented coordinator reuse from the coordinator’s full local text conversion; no visual-layout certification is claimed. (Website Name Missing) |
| S_ME-P2-S003 | Annual List of Rulemaking Activity, Rules Adopted January 1–December 31, 2023 — Maine Secretary of State | https://legislature.maine.gov/doc/10657 | PDF p. 6 of the document, parsed lines 168–203: agency, umbrella unit 02-030, statutory authority §6173, Chapter 706 title, filing 2023-139, effective 9/2/2023, routine technical/nonemergency status, basis statement, and NMLS transition. | Freshly read and page image inspected. This independently verifies adoption metadata, but it is not the complete operative rule text. Maine State Legislature+1 |
| S_ME-P2-S004 | Debt Management Service Providers — Maine Bureau of Consumer Credit Protection | https://www1.maine.gov/pfr/consumercredit/industry/licensing/debt_management.htm | Lines 18–26: ESB notice, registration scope, NMLS filing and checklist link. Lines 29–39: $500 application, $250 branch application, $250 renewal, $250 branch renewal, $25 amendment per legal-name/address/trade-name change, and NMLS-collected-fee nonrefundability. | Fresh full-page read. Current operational material with no visible page-specific revision or legal effective date. It supports procedure and current stated charges but does not override statute or rule. Maine.gov |
| S_ME-P2-S005 | Electronic Surety Bonds — Maine Bureau of Consumer Credit Protection | https://www1.maine.gov/pfr/consumercredit/industry/licensing/nmls/bonds.html | Lines 18–26: September 1, 2025 intake start, January 31, 2026 conversion deadline, and renewal hold. Lines 29–32: no NMLS branch bonds; one company ESB in aggregate required coverage; one ESB per company license; cancellations and riders supported. | Fresh full-page read. Operational implementation source, not a substitute for the bond statute, Rule 706, or the actual bond form. Maine.gov |
| S_ME-P2-S006 | Title 32, §6173, Registration and annual reregistration — Maine Revisor of Statutes | https://legislature.maine.gov/statutes/32/title32sec6173.html | §6173(2)–(3), especially subsection 2-B at lines 34–49. Page data extracted October 5, 2026. | Fresh official HTML read. Confirms separate-location registration, statutory fee ceilings, separate NMLS processing fee, $100 late fee, amendment authority, and 30-day action period after completeness. Maine State Legislature |
| S_ME-P2-S007 | Title 32, §6174-B, Counselor certification; consumer education program — Maine Revisor | https://legislature.maine.gov/statutes/32/title32sec6174-B.html | §6174-B(2), lines 24–30. Page data extracted October 5, 2026. Alternate chapter PDF: https://legislature.maine.gov/statutes/32/title32ch80-A.pdf. | Fresh official HTML read. It directly distinguishes the $100 program-submission fee from the consumer fee capped at $50. The HTML avoids reliance on the chapter-PDF screenshot renderer’s stale visual footer. Maine State Legislature |
| S_ME-P2-S008 | Title 32, §6174, Bond required — Maine Revisor | https://legislature.maine.gov/statutes/32/title32sec6174.html | §6174, lines 22–27. Page data extracted October 5, 2026. | Fresh official HTML read. Statute states a $50,000 aggregate surety bond accompanying each application. Rule 706’s per-office wording and NMLS aggregate-company implementation require the later full bond pass for hierarchy, form, and claims questions. Maine State Legislature |
| S_ME-P2-S009 | Public Law 2007, chapter 36, An Act To Amend the Debt Management Services Laws — Maine Legislature | https://legislature.maine.gov/legis/bills/bills_123rd/chapters/PUBLIC36.asp | PDF: https://legislature.maine.gov/legis/bills/bills_123rd/chappdfs/PUBLIC36.pdf | HTML lines 0–2: signed April 9, 2007. Lines 36–50: nonprofit repeal/registration and fee provisions. Lines 67–80: headnote change, for-profit appropriation statement, and “Effective September 20, 2007.” PDF p. 3 shows the same effective date. | Fresh official HTML and PDF read; PDF page image inspected. This resolves the specific effective-date provenance issue. Maine State Legislature+1 |
| Claim ID | Precise supplemental assertion | Source / pinpoint | Conditions and confidence limits |
|---|---|---|---|
| S_ME-P2-C001 | The official Rule 706 inventory is accessible through the www1.maine.gov route, and the direct Rule 706 link fails in the web tool because of unsupported application/msword, not because of 403 denial. | S001 lines 263–266 and 386; S002 direct-access response. Maine.gov+1 | High for access status. The posted copy is expressly noncertified for adjudicatory/evidentiary use. |
| S_ME-P2-C002 | Chapter 706 was filed as 2023-139 and became effective September 2, 2023 as a routine technical, nonemergency rule under §6173. | S003, PDF p. 6, lines 168–203. Maine State Legislature+1 | High for the 2023 adoption record. A complete negative check for every later 2024–2026 filing was not performed. |
| S_ME-P2-C003 | The officially linked Rule 706 text contains $500 company and $250 branch application fees; $250 company and branch renewals; $50,000 bond documentation for each office location; individual/entity and sole-proprietor application fields; and overlapping calendar-year, November-or-later, and NMLS-determined validity clauses. | S002, coordinator-read Rule 706 IV(2), IV(4)(e), IV(5)(b)–(c), IV(6)(a), (c), (h), (k), IV(7)(b). | Documented coordinator reuse, not a claimed fresh assistant full-text read of the Word file. Official link and document identity were independently verified. |
| S_ME-P2-C004 | The current Bureau page directs all DMS-provider applications through NMLS and states the following charges: $500 application, $250 branch application, $250 renewal, $250 branch renewal, and $25 for each legal-name, address, or trade-name amendment. It states that fees collected through NMLS are nonrefundable. | S004 lines 24–39. Maine.gov | High as current operational agency guidance. The page is not treated as an exhaustive fee code or as overriding contrary law. |
| S_ME-P2-C005 | Section 6173 authorizes an additional NMLS processing fee in an amount determined by NMLS; the exact current 2026 processing amount was not verified. | S006 §6173(2-B)(B), lines 45–46. Maine State Legislature | High on the separate-charge requirement; held on current amount. Historical 2023 fiscal-impact figures are not used as present amounts. |
| S_ME-P2-C006 | Debt-management-provider ESB intake began September 1, 2025; existing providers had to convert by January 31, 2026; specified unconverted renewals were held; and branch coverage must be carried through one company ESB in the aggregate required amount because NMLS does not support branch bonds. | S005 lines 18–32. Maine.gov | High as current operational mechanics. Full bond-form, cancellation, claims, insolvency, and statutory/rule hierarchy remain later-pass issues. |
| S_ME-P2-C007 | Every consumer-education-program submission to the administrator must be accompanied by a $100 fee, while a provider may charge the consumer a reasonable program fee not exceeding $50. | S007 §6174-B(2), line 27. Maine State Legislature | High. The two fees have different payers, events, and purposes. |
| S_ME-P2-C008 | Government/provider access charges, NMLS processing charges, bond coverage, the $100 education-program submission charge, and consumer service charges are legally distinct categories and must not be aggregated or substituted for one another. | S004; S006; S007; S008. Maine.gov+3 | High as a classification conclusion. No claim is made that the current agency fee webpage lists every possible examination, corporate, bond-premium, or NMLS charge. |
| S_ME-P2-C009 | Official Rule 706 application fields expressly contemplate individuals and sole proprietors, improving the primary-source basis for an operational sole-proprietor route. | S002, coordinator-read Rule 706 IV(6)(a), (c), (h). | Medium-high operationally. The unresolved tension with §6173(2)’s “organization” language remains; no controlling court or formal interpretive ruling was located in this patch. |
| S_ME-P2-C010 | Rule 706’s registration-period provisions are not safely reduced to one universal expiration formula: it states a January 1–December 31 period, extends certain registrations issued November 1 or later through the following December 31, and separately assigns post-transition validity periods to NMLS. | S002, coordinator-read Rule 706 IV(2), IV(5)(b), IV(7)(b); S003 basis statement. Maine State Legislature | Medium-high. The live NMLS authority record remains controlling for an actual provider’s dates. |
| S_ME-P2-C011 | Public Law 2007, chapter 36 was signed April 9, 2007 and expressly states an effective date of September 20, 2007. | S009 HTML lines 0–2 and 80; PDF p. 3. Maine State Legislature+1 | High. No inferred 90-day computation is needed. |
| S_ME-P2-C012 | The current SOS inventory’s continued link to the 2023 Chapter 706 file is current-posting evidence, but it is not a certified, complete later-amendment chain. | S001 lines 265–266 and 386; S003. Maine.gov+2 | Partial. Exact later adoption-chain completeness remains held. |
This table replaces only the PASS-01 market-access-fee presentation. The consumer settlement, monthly, setup, and worked-example calculations remain unchanged.
| Charge or condition | Amount / mechanic | Payer and triggering event | Current support | Boundary |
|---|---|---|---|---|
| Company registration application | $500 per registration | Applicant filing a company registration through NMLS | Current BCCP page; coordinator-read Rule 706 IV(5)(c)(i). Maine.gov | State provider-access charge; not a consumer fee |
| Branch registration application | $250 per branch registration | Applicant for each covered branch/location | Current BCCP page; coordinator-read Rule 706 IV(5)(c)(ii). Maine.gov | Separate-location requirements remain applicable |
| Company renewal | $250 per registration | Registrant renewing through NMLS | Current BCCP page; coordinator-read Rule 706 IV(4)(e). Maine.gov | Does not include separately determined NMLS processing charges |
| Branch renewal | $250 per branch registration | Branch registrant renewing through NMLS | Current BCCP page; coordinator-read Rule 706 IV(4)(e). Maine.gov | Separate from company renewal |
| Amendment | $25 per change | Change to legal name, address, or trade name | Current BCCP operational page. Maine.gov | Underlying adopted amount was not separately located in the Rule 706 text identified in this patch; legal-adoption provenance remains partial |
| Late reregistration | $100 additional | Reregistration received after the applicable due date | 32 M.R.S. §6173(2-B)(B); Rule 706 also contains late-renewal provisions. Maine State Legislature | Actual reinstatement window and status must be checked in live NMLS |
| NMLS processing charge | Exact current amount held | Applicant/registrant using NMLS | Statute requires a processing fee in an amount determined by NMLS. Maine State Legislature | Do not use the 2023 rulemaking report’s then-current fiscal-impact amount as a verified 2026 amount |
| Education-program submission | $100 for each program submission | Provider of the program submitting it for administrator approval | 32 M.R.S. §6174-B(2). Maine State Legislature | Government submission charge; not the consumer’s $50 program fee |
| Consumer education-program charge | Reasonable; maximum $50 | Consumer receiving the approved program | 32 M.R.S. §6174-B(2). Maine State Legislature | Consumer charge; remains subject to applicable timing and reasonableness rules |
| Surety coverage | Rule text: $50,000 per office location; NMLS submission: one aggregate company ESB where branches require coverage | Registration applicant/registrant furnishing coverage | Coordinator-read Rule 706 IV(6)(k); current ESB page; statute separately states a $50,000 aggregate bond accompanying each application. Maine.gov+1 | Bond/security condition, not a fee. Premium cost, bond form, cancellation, claims, and hierarchy remain open |
| Nonrefundability statement | All fees collected through NMLS are stated to be nonrefundable | Applies according to the Bureau’s current NMLS-fee instruction | Current BCCP page. Maine.gov | Does not establish that consumer service fees, creditor funds, or the separate $100 program-submission fee are nonrefundable |
The listed charges are not represented as exhaustive. They do not include any unverified NMLS processing amount, commercial surety premium, Secretary of State corporate filing, foreign-qualification cost, background-report charge, examination expense, counsel cost, or other system/vendor charge.
Replace the PASS-01 procedure paragraph with:
All debt-management-service-provider registration applications are currently directed through NMLS by the Maine Bureau of Consumer Credit Protection. The current Bureau page states $500 company, $250 branch, $250 company-renewal, $250 branch-renewal, and $25 specified-amendment charges, and says that fees collected through NMLS are nonrefundable. The exact current NMLS processing fee and generated Maine checklist were not retrieved. Filing and payment do not establish approval or active authority. Maine.gov+1
Replace “Rule 706 is reported effective September 2, 2023” with:
The Secretary of State’s official annual rulemaking report identifies 02-030 C.M.R. chapter 706 as filing 2023-139, effective September 2, 2023, routine technical and nonemergency, under 32 M.R.S. §6173. The current Secretary of State rule inventory links to that rule file. The posted rule is not a certified adjudicatory copy, and this patch does not establish a complete negative chain for every possible later amendment or replacement. Maine State Legislature+2
Replace the PASS-01 registration-period qualification with:
Rule 706 contains three provisions that must be read together rather than collapsed: a general January 1–December 31 registration period; a provision extending new registrations issued November 1 or later through December 31 of the following year; and a post-transition provision assigning validity periods to NMLS. Therefore, an actual company or branch’s current issue, renewal, expiration, terminated, or reinstated status must be verified in NMLS.
The rule-section wording in that paragraph is documented coordinator reuse from the official linked Word document; the official annual rulemaking report independently confirms the rule’s general calendar-year design and NMLS transition. Maine State Legislature
Replace the final sentence of PASS-01 C036 with:
Rule 706 itself—not merely a third-party reproduction—expressly requests the legal name and address of the “individual or entity,” identifies “sole proprietorship” as an entity type, and requires a sole proprietor’s résumé. That supplies primary operational support for an individual/sole-proprietor application route. It does not eliminate the statutory wording issue created by §6173(2), which directs an “organization” to apply, and no controlling construction of that tension is supplied here.
That section-level wording is documented coordinator reuse from Rule 706 IV(6)(a), (c), and (h); the assistant independently verified the official document link but did not freshly parse the Word body.
The following replaces the PASS-01 historical-date qualification:
Public Law 2007, chapter 36 was signed April 9, 2007. Its official chaptered-law text expressly ends with “Effective September 20, 2007.” Sections 6 and 7 repealed the nonprofit-only provision and changed the applicant language, while section 13 described additional administrative costs resulting from permitting for-profit companies to obtain debt-management-provider licenses. The September 20, 2007 date is therefore directly sourced from the enacted public law rather than reconstructed from the ordinary legislative effective-date rule. Maine State Legislature+1
This correction changes source provenance only. It does not alter PASS-01’s current-law conclusion that nonprofit status is neither required nor, by itself, exemptive.
| Correction topic | Status after PASS-02 | Supporting claims | Remaining limitation / exact next evidence |
|---|---|---|---|
| Official SOS Rule 706 inventory access | Resolved | P2-C001 | Certified rule copy not obtained |
| Direct Rule 706 Word-route access status | Resolved | P2-C001 | Web tool cannot parse application/msword |
| Full Rule 706 assistant read | Partial | P2-C003 | Section-level text is coordinator reuse; no assistant full-body or visual-layout certification |
| Filing 2023-139 / effective Sept. 2, 2023 | Resolved | P2-C002 | None for original 2023 adoption identity |
| Complete later-amendment/adoption chain | Held | P2-C012 | Review every applicable 2024–2026 adopted-rule log or obtain certified current rule |
| $500/$250/$250/$250 state fee schedule | Resolved operationally and by coordinator-read rule | P2-C003–C004 | Exact live NMLS invoice may include additional charges |
| $25 amendment fee | Resolved as current agency procedure; legal-source chain partial | P2-C004 | Locate adopted rule, order, or NMLS fee schedule setting the amount |
| NMLS fee nonrefundability | Resolved as current agency instruction | P2-C004 | Does not resolve consumer-fee refunds or other non-NMLS charges |
| Exact current NMLS processing fees | Held | P2-C005 | Retrieve current generated Maine NMLS checklist/fee schedule |
| NMLS filing route | Resolved | P2-C004 | Filing does not prove approval |
| Generated NMLS checklist | Held | P2-C005 | Retrieve actual current Maine checklist output |
| Named entity / DBA / branch status | Held | — | Search exact legal entity, DBA, NMLS ID, authority type, and branch records |
| ESB September 2025 / January 2026 conversion dates | Resolved | P2-C006 | None for stated operational dates |
| Branch coverage through aggregate company ESB | Resolved operationally | P2-C006 | Full bond form, per-office amount reconciliation, claims, cancellation, and remedies remain open |
| $100 education-program submission fee | Resolved | P2-C007–C008 | Approval procedure and refund treatment remain open |
| Separate $50 consumer education cap | Resolved and preserved | P2-C007–C008 | Earning/timing and bundled-product treatment remain open |
| Sole-proprietor operational path | Improved but partial | P2-C009 | Statutory “organization” tension requires agency/court interpretation |
| Registration-period clauses | Text identified; practical status still held | P2-C010 | Verify actual live NMLS dates |
| September 20, 2007 effective date | Resolved | P2-C011 | None for this date |
| Consumer fee earning and refund rules | Unchanged / open | P1 holds preserved | Later fee-earning/refund pass |
| Interest-component settlement base | Unchanged / open | P1 holds preserved | Formal guidance/case law |
| Remote-provider nexus | Unchanged / open | P1 holds preserved | “In this State” interpretation |
| Self-creditor and referral compensation | Unchanged / open | P1 holds preserved | Formal guidance, enforcement, and fact-specific analysis |
| Collection, full bond, funds, agreement, remedies, litigation, limitation, secured-debt, sector, local, tribal, contract, and case-law coverage | Unchanged / open | — | Required later Maine passes |
| Whole-state or A066 acceptance | Not reached | — | All remaining components and coordinator review remain required |
END S_ME PASS-02.
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.
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.
Affected PASS-01 item · Exact PASS-02 replacement or qualification · 11 data rows
| Affected PASS-01 item | Exact PASS-02 replacement or qualification |
|---|---|
| S_ME-P1-S007 | Replace the former “direct page returned 403” access characterization with: the official Secretary of State www1.maine.gov rule inventory was actually read; it identifies 02-030 Bureau of Consumer Credit Protection and directly links Chapter 706. The page says posted rules are intended to be current but are not certified adjudicatory/evidentiary copies. [P2-S001; P2-C001] Maine.gov +1 |
| S_ME-P1-S008 | Third-party Rule 706 reproductions are no longer the best available source for the rule’s identity or effective status. Use the official SOS inventory, official linked Word route, and official annual rulemaking report instead. The web tool did not parse the Word body; section-level Word findings below are expressly documented coordinator reuse, not a newly claimed assistant full-text read. [P2-S002–S003; P2-C001–C003] (Website Name Missing) |
| S_ME-P1-S009 | Replace “search-index text only; direct fetch returned 403” with an actual full-page read of the Bureau’s debt-management licensing page, including NMLS filing instructions and the complete visible fee table. [P2-S004; P2-C004] Maine.gov |
| S_ME-P1-S011 | Replace “search-index text only; direct fetch returned 403” with an actual full-page read of the Bureau’s ESB page, including conversion dates, renewal hold, and branch-coverage mechanics. [P2-S005; P2-C006] Maine.gov |
| S_ME-P1-C026 | Retain the statutory $800 initial-registration ceiling, $600 reregistration ceiling, $100 late charge, and separately determined NMLS processing charge. Supplement with the Bureau’s current stated state fees and the separate $100 education-program submission fee. Do not combine those categories. [P2-C004–C005, C007–C008] Maine State Legislature +1 |
| S_ME-P1-C027 | Replace the former source-confidence qualification with: $500 company application, $250 branch application, $250 company renewal, and $250 branch renewal are now confirmed on the actual current Bureau page as well as in the Rule 706 text documented by the coordinator. Add the Bureau’s $25-per-change amendment fee and its NMLS-nonrefundability statement. [P2-C003–C004] Maine.gov |
| S_ME-P1-C028 | Upgrade the “NMLS is the current filing route” portion to directly read official agency support. Preserve the public-status limitation: no generated Maine checklist and no named entity, DBA, branch, or registration status were checked. [P2-C004–C005] Maine.gov |
| S_ME-P1-C029 | Replace “reported effective” with “officially verified filing 2023-139, effective September 2, 2023.” Retain the registration-period ambiguity because the rule contains calendar-year, November-or-later, and NMLS-determined-period provisions. Current authority dates still must come from the live NMLS record. [P2-C002, C010] Maine State Legislature +1 |
| S_ME-P1-C036 | Strengthen the operational evidence: the officially linked Rule 706 text expressly contemplates an “individual or entity,” a sole proprietorship, and a sole proprietor’s résumé. The textual tension with §6173(2)’s use of “organization” remains unresolved; Rule 706’s application path does not itself constitute a controlling construction of every natural-person case. [P2-C003, C009] |
| S_ME-P1-C016 / education-fee discussion | Add that each consumer-education-program submission to the administrator carries a $100 government fee. Preserve the separate reasonable consumer charge ceiling of $50. [P2-C007–C008] Maine State Legislature |
| S_ME-P1-S006 / C008 date qualification | The September 20, 2007 effective date is directly shown in the official chaptered-law text and no longer requires qualification as an unauthenticated inferred date. [P2-S009; P2-C011] Maine State Legislature +1 |
Source ID · Title / issuer · Direct literal URL · 9 data rows
| Source ID | Title / issuer | Direct literal URL | Exact pinpoint, version, and status | Actual access and limitations |
|---|---|---|---|---|
| S_ME-P2-S001 | Department of Professional and Financial Regulation Rules — Maine Secretary of State | https://www1.maine.gov/sos/rulemaking/agency-rules/department-professional-and-financial-regulation-rules | Page lines 263–268: download instructions and noncertified-copy warning; lines 362–386: 02-030 Bureau of Consumer Credit Protection and Chapter 706 link. Current official posting accessed Oct. 24, 2026. | Freshly read. The state says it attempts to post the most current rule versions but that these are not certified copies for adjudicatory or evidentiary proceedings. No certified copy was requested. Maine.gov +1 |
| S_ME-P2-S002 | Chapter 706 Word document — Maine Secretary of State / BCCP | https://www1.maine.gov/sos/sites/maine.gov.sos/files/content/assets/030c706.doc | Relevant coordinator-read pinpoints: General Provisions IV(2), IV(4)(e), IV(5)(a)–(c), IV(6)(a), (c), (h), (k), IV(7)(a)–(d), and footer “September 2, 2023 — filing 2023-139.” | The official link was independently verified. The present web tool returned unsupported application/msword, not 403. The assistant did not freshly parse the complete Word body. The section-level contents are documented coordinator reuse from the coordinator’s full local text conversion; no visual-layout certification is claimed. (Website Name Missing) |
| S_ME-P2-S003 | Annual List of Rulemaking Activity, Rules Adopted January 1–December 31, 2023 — Maine Secretary of State | https://legislature.maine.gov/doc/10657 | PDF p. 6 of the document, parsed lines 168–203: agency, umbrella unit 02-030, statutory authority §6173, Chapter 706 title, filing 2023-139, effective 9/2/2023, routine technical/nonemergency status, basis statement, and NMLS transition. | Freshly read and page image inspected. This independently verifies adoption metadata, but it is not the complete operative rule text. Maine State Legislature +1 |
| S_ME-P2-S004 | Debt Management Service Providers — Maine Bureau of Consumer Credit Protection | https://www1.maine.gov/pfr/consumercredit/industry/licensing/debt_management.htm | Lines 18–26: ESB notice, registration scope, NMLS filing and checklist link. Lines 29–39: $500 application, $250 branch application, $250 renewal, $250 branch renewal, $25 amendment per legal-name/address/trade-name change, and NMLS-collected-fee nonrefundability. | Fresh full-page read. Current operational material with no visible page-specific revision or legal effective date. It supports procedure and current stated charges but does not override statute or rule. Maine.gov |
| S_ME-P2-S005 | Electronic Surety Bonds — Maine Bureau of Consumer Credit Protection | https://www1.maine.gov/pfr/consumercredit/industry/licensing/nmls/bonds.html | Lines 18–26: September 1, 2025 intake start, January 31, 2026 conversion deadline, and renewal hold. Lines 29–32: no NMLS branch bonds; one company ESB in aggregate required coverage; one ESB per company license; cancellations and riders supported. | Fresh full-page read. Operational implementation source, not a substitute for the bond statute, Rule 706, or the actual bond form. Maine.gov |
| S_ME-P2-S006 | Title 32, §6173, Registration and annual reregistration — Maine Revisor of Statutes | https://legislature.maine.gov/statutes/32/title32sec6173.html | §6173(2)–(3), especially subsection 2-B at lines 34–49. Page data extracted October 5, 2026. | Fresh official HTML read. Confirms separate-location registration, statutory fee ceilings, separate NMLS processing fee, $100 late fee, amendment authority, and 30-day action period after completeness. Maine State Legislature |
| S_ME-P2-S007 | Title 32, §6174-B, Counselor certification; consumer education program — Maine Revisor | https://legislature.maine.gov/statutes/32/title32sec6174-B.html | §6174-B(2), lines 24–30. Page data extracted October 5, 2026. Alternate chapter PDF: https://legislature.maine.gov/statutes/32/title32ch80-A.pdf. | Fresh official HTML read. It directly distinguishes the $100 program-submission fee from the consumer fee capped at $50. The HTML avoids reliance on the chapter-PDF screenshot renderer’s stale visual footer. Maine State Legislature |
| S_ME-P2-S008 | Title 32, §6174, Bond required — Maine Revisor | https://legislature.maine.gov/statutes/32/title32sec6174.html | §6174, lines 22–27. Page data extracted October 5, 2026. | Fresh official HTML read. Statute states a $50,000 aggregate surety bond accompanying each application. Rule 706’s per-office wording and NMLS aggregate-company implementation require the later full bond pass for hierarchy, form, and claims questions. Maine State Legislature |
| S_ME-P2-S009 | Public Law 2007, chapter 36, An Act To Amend the Debt Management Services Laws — Maine Legislature | https://legislature.maine.gov/legis/bills/bills_123rd/chapters/PUBLIC36.asp | PDF: https://legislature.maine.gov/legis/bills/bills_123rd/chappdfs/PUBLIC36.pdf | HTML lines 0–2: signed April 9, 2007. Lines 36–50: nonprofit repeal/registration and fee provisions. Lines 67–80: headnote change, for-profit appropriation statement, and “Effective September 20, 2007.” PDF p. 3 shows the same effective date. | Fresh official HTML and PDF read; PDF page image inspected. This resolves the specific effective-date provenance issue. Maine State Legislature +1 |
Claim ID · Precise supplemental assertion · Source / pinpoint · 12 data rows
| Claim ID | Precise supplemental assertion | Source / pinpoint | Conditions and confidence limits |
|---|---|---|---|
| S_ME-P2-C001 | The official Rule 706 inventory is accessible through the www1.maine.gov route, and the direct Rule 706 link fails in the web tool because of unsupported application/msword, not because of 403 denial. | S001 lines 263–266 and 386; S002 direct-access response. Maine.gov +1 | High for access status. The posted copy is expressly noncertified for adjudicatory/evidentiary use. |
| S_ME-P2-C002 | Chapter 706 was filed as 2023-139 and became effective September 2, 2023 as a routine technical, nonemergency rule under §6173. | S003, PDF p. 6, lines 168–203. Maine State Legislature +1 | High for the 2023 adoption record. A complete negative check for every later 2024–2026 filing was not performed. |
| S_ME-P2-C003 | The officially linked Rule 706 text contains $500 company and $250 branch application fees; $250 company and branch renewals; $50,000 bond documentation for each office location; individual/entity and sole-proprietor application fields; and overlapping calendar-year, November-or-later, and NMLS-determined validity clauses. | S002, coordinator-read Rule 706 IV(2), IV(4)(e), IV(5)(b)–(c), IV(6)(a), (c), (h), (k), IV(7)(b). | Documented coordinator reuse, not a claimed fresh assistant full-text read of the Word file. Official link and document identity were independently verified. |
| S_ME-P2-C004 | The current Bureau page directs all DMS-provider applications through NMLS and states the following charges: $500 application, $250 branch application, $250 renewal, $250 branch renewal, and $25 for each legal-name, address, or trade-name amendment. It states that fees collected through NMLS are nonrefundable. | S004 lines 24–39. Maine.gov | High as current operational agency guidance. The page is not treated as an exhaustive fee code or as overriding contrary law. |
| S_ME-P2-C005 | Section 6173 authorizes an additional NMLS processing fee in an amount determined by NMLS; the exact current 2026 processing amount was not verified. | S006 §6173(2-B)(B), lines 45–46. Maine State Legislature | High on the separate-charge requirement; held on current amount. Historical 2023 fiscal-impact figures are not used as present amounts. |
| S_ME-P2-C006 | Debt-management-provider ESB intake began September 1, 2025; existing providers had to convert by January 31, 2026; specified unconverted renewals were held; and branch coverage must be carried through one company ESB in the aggregate required amount because NMLS does not support branch bonds. | S005 lines 18–32. Maine.gov | High as current operational mechanics. Full bond-form, cancellation, claims, insolvency, and statutory/rule hierarchy remain later-pass issues. |
| S_ME-P2-C007 | Every consumer-education-program submission to the administrator must be accompanied by a $100 fee, while a provider may charge the consumer a reasonable program fee not exceeding $50. | S007 §6174-B(2), line 27. Maine State Legislature | High. The two fees have different payers, events, and purposes. |
| S_ME-P2-C008 | Government/provider access charges, NMLS processing charges, bond coverage, the $100 education-program submission charge, and consumer service charges are legally distinct categories and must not be aggregated or substituted for one another. | S004; S006; S007; S008. Maine.gov +3 | High as a classification conclusion. No claim is made that the current agency fee webpage lists every possible examination, corporate, bond-premium, or NMLS charge. |
| S_ME-P2-C009 | Official Rule 706 application fields expressly contemplate individuals and sole proprietors, improving the primary-source basis for an operational sole-proprietor route. | S002, coordinator-read Rule 706 IV(6)(a), (c), (h). | Medium-high operationally. The unresolved tension with §6173(2)’s “organization” language remains; no controlling court or formal interpretive ruling was located in this patch. |
| S_ME-P2-C010 | Rule 706’s registration-period provisions are not safely reduced to one universal expiration formula: it states a January 1–December 31 period, extends certain registrations issued November 1 or later through the following December 31, and separately assigns post-transition validity periods to NMLS. | S002, coordinator-read Rule 706 IV(2), IV(5)(b), IV(7)(b); S003 basis statement. Maine State Legislature | Medium-high. The live NMLS authority record remains controlling for an actual provider’s dates. |
| S_ME-P2-C011 | Public Law 2007, chapter 36 was signed April 9, 2007 and expressly states an effective date of September 20, 2007. | S009 HTML lines 0–2 and 80; PDF p. 3. Maine State Legislature +1 | High. No inferred 90-day computation is needed. |
| S_ME-P2-C012 | The current SOS inventory’s continued link to the 2023 Chapter 706 file is current-posting evidence, but it is not a certified, complete later-amendment chain. | S001 lines 265–266 and 386; S003. Maine.gov +2 | Partial. Exact later adoption-chain completeness remains held. |
Charge or condition · Amount / mechanic · Payer and triggering event · 11 data rows
| Charge or condition | Amount / mechanic | Payer and triggering event | Current support | Boundary |
|---|---|---|---|---|
| Company registration application | $500 per registration | Applicant filing a company registration through NMLS | Current BCCP page; coordinator-read Rule 706 IV(5)(c)(i). Maine.gov | State provider-access charge; not a consumer fee |
| Branch registration application | $250 per branch registration | Applicant for each covered branch/location | Current BCCP page; coordinator-read Rule 706 IV(5)(c)(ii). Maine.gov | Separate-location requirements remain applicable |
| Company renewal | $250 per registration | Registrant renewing through NMLS | Current BCCP page; coordinator-read Rule 706 IV(4)(e). Maine.gov | Does not include separately determined NMLS processing charges |
| Branch renewal | $250 per branch registration | Branch registrant renewing through NMLS | Current BCCP page; coordinator-read Rule 706 IV(4)(e). Maine.gov | Separate from company renewal |
| Amendment | $25 per change | Change to legal name, address, or trade name | Current BCCP operational page. Maine.gov | Underlying adopted amount was not separately located in the Rule 706 text identified in this patch; legal-adoption provenance remains partial |
| Late reregistration | $100 additional | Reregistration received after the applicable due date | 32 M.R.S. §6173(2-B)(B); Rule 706 also contains late-renewal provisions. Maine State Legislature | Actual reinstatement window and status must be checked in live NMLS |
| NMLS processing charge | Exact current amount held | Applicant/registrant using NMLS | Statute requires a processing fee in an amount determined by NMLS. Maine State Legislature | Do not use the 2023 rulemaking report’s then-current fiscal-impact amount as a verified 2026 amount |
| Education-program submission | $100 for each program submission | Provider of the program submitting it for administrator approval | 32 M.R.S. §6174-B(2). Maine State Legislature | Government submission charge; not the consumer’s $50 program fee |
| Consumer education-program charge | Reasonable; maximum $50 | Consumer receiving the approved program | 32 M.R.S. §6174-B(2). Maine State Legislature | Consumer charge; remains subject to applicable timing and reasonableness rules |
| Surety coverage | Rule text: $50,000 per office location; NMLS submission: one aggregate company ESB where branches require coverage | Registration applicant/registrant furnishing coverage | Coordinator-read Rule 706 IV(6)(k); current ESB page; statute separately states a $50,000 aggregate bond accompanying each application. Maine.gov +1 | Bond/security condition, not a fee. Premium cost, bond form, cancellation, claims, and hierarchy remain open |
| Nonrefundability statement | All fees collected through NMLS are stated to be nonrefundable | Applies according to the Bureau’s current NMLS-fee instruction | Current BCCP page. Maine.gov | Does not establish that consumer service fees, creditor funds, or the separate $100 program-submission fee are nonrefundable |
Correction topic · Status after PASS-02 · Supporting claims · 25 data rows
| Correction topic | Status after PASS-02 | Supporting claims | Remaining limitation / exact next evidence |
|---|---|---|---|
| Official SOS Rule 706 inventory access | Resolved | P2-C001 | Certified rule copy not obtained |
| Direct Rule 706 Word-route access status | Resolved | P2-C001 | Web tool cannot parse application/msword |
| Full Rule 706 assistant read | Partial | P2-C003 | Section-level text is coordinator reuse; no assistant full-body or visual-layout certification |
| Filing 2023-139 / effective Sept. 2, 2023 | Resolved | P2-C002 | None for original 2023 adoption identity |
| Complete later-amendment/adoption chain | Held | P2-C012 | Review every applicable 2024–2026 adopted-rule log or obtain certified current rule |
| $500/$250/$250/$250 state fee schedule | Resolved operationally and by coordinator-read rule | P2-C003–C004 | Exact live NMLS invoice may include additional charges |
| $25 amendment fee | Resolved as current agency procedure; legal-source chain partial | P2-C004 | Locate adopted rule, order, or NMLS fee schedule setting the amount |
| NMLS fee nonrefundability | Resolved as current agency instruction | P2-C004 | Does not resolve consumer-fee refunds or other non-NMLS charges |
| Exact current NMLS processing fees | Held | P2-C005 | Retrieve current generated Maine NMLS checklist/fee schedule |
| NMLS filing route | Resolved | P2-C004 | Filing does not prove approval |
| Generated NMLS checklist | Held | P2-C005 | Retrieve actual current Maine checklist output |
| Named entity / DBA / branch status | Held | — | Search exact legal entity, DBA, NMLS ID, authority type, and branch records |
| ESB September 2025 / January 2026 conversion dates | Resolved | P2-C006 | None for stated operational dates |
| Branch coverage through aggregate company ESB | Resolved operationally | P2-C006 | Full bond form, per-office amount reconciliation, claims, cancellation, and remedies remain open |
| $100 education-program submission fee | Resolved | P2-C007–C008 | Approval procedure and refund treatment remain open |
| Separate $50 consumer education cap | Resolved and preserved | P2-C007–C008 | Earning/timing and bundled-product treatment remain open |
| Sole-proprietor operational path | Improved but partial | P2-C009 | Statutory “organization” tension requires agency/court interpretation |
| Registration-period clauses | Text identified; practical status still held | P2-C010 | Verify actual live NMLS dates |
| September 20, 2007 effective date | Resolved | P2-C011 | None for this date |
| Consumer fee earning and refund rules | Unchanged / open | P1 holds preserved | Later fee-earning/refund pass |
| Interest-component settlement base | Unchanged / open | P1 holds preserved | Formal guidance/case law |
| Remote-provider nexus | Unchanged / open | P1 holds preserved | “In this State” interpretation |
| Self-creditor and referral compensation | Unchanged / open | P1 holds preserved | Formal guidance, enforcement, and fact-specific analysis |
| Collection, full bond, funds, agreement, remedies, litigation, limitation, secured-debt, sector, local, tribal, contract, and case-law coverage | Unchanged / open | — | Required later Maine passes |
| Whole-state or A066 acceptance | Not reached | — | All remaining components and coordinator review remain required |
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.
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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.
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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.
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Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
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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.
No currently queued material correction is mapped to this component. This does not remove its currentness, access, jurisdiction or application limits.
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Inside: Maine provider market access and consumer fees · Executive determination · 1. How Maine classifies the relevant conduct
Inside: Bounded §6174-B(3) qualification patch · 1. Replacement claim rows · 3. Replacement PASS-02 market-access-fee table cells
Original saved Markdown SHA-256: 007bf6218747d1be184b211af5260669c321ca9565a15c48ed60e006f85a5949. Public formatting, private-reference removal and correction annotations are separate from that immutable original.