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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S_ME — PASS-03
Bounded §6174-B(3) qualification patch
Actual research/access date: October 24, 2026, Pacific Time
Actual model/mode: GPT-5.6 Sol Pro, regular Chat
Effect: PASS-01 and PASS-02 remain immutable. Only the specified PASS-02 claim, two fee-table cells, and related coverage rows are replaced below.
1. Replacement claim rows
| Claim ID |
Replaces / supplements |
Exact replacement assertion |
Source, conditions, and confidence limits |
| S_ME-P3-C001 |
Replaces S_ME-P2-C007 in full |
Section 6174-B(2) requires providers of consumer-education programs to submit each program to the administrator for approval with a $100 submission fee and permits a debt-management-service provider to charge consumers a reasonable program fee not exceeding $50. Both propositions must be carried together with §6174-B(3): §6174-B does not apply to a debt-management-service provider that is located in Maine and does not provide debt-management services to a consumer who is a Maine resident. |
S_ME-P3-S001, §6174-B(2)–(3), lines 27–32. The subsection (3) predicate is conjunctive and provider-specific as written. The text does not expressly establish a transaction-by-transaction exemption for outbound transactions when the same Maine-located provider also serves Maine-resident consumers; that mixed-customer application remains held absent authoritative interpretation. No additional conclusion is made about a separate education-program provider that is not itself the identified debt-management-service provider. Maine State Legislature |
| S_ME-P3-C002 |
Supplements P2-C007/P2-C008 boundary language |
Section 6174-B(3) says only that “this section” does not apply when its stated predicate is satisfied. This patch therefore does not extend the exception to separate registration requirements under §6173, bond requirements under §6174, other Maine provisions, destination-state law, or independently applicable federal requirements. |
S_ME-P3-S001, §6174-B(3), line 30. This is a bounded textual qualification, not a conclusion that every separate requirement necessarily applies in every factual scenario. Maine State Legislature |
2. Source register
| Source ID |
Title / issuer |
Direct literal URL |
Exact pinpoint, version, and legal status |
Actual access and limitations |
| S_ME-P3-S001 |
Title 32, §6174-B — Counselor certification; consumer education program, Maine Office of the Revisor of Statutes |
https://legislature.maine.gov/statutes/32/title32sec6174-B.html |
§6174-B(2), line 27: $100 fee accompanying each program submission and reasonable consumer fee capped at $50. §6174-B(3), line 30: section-level exception for a Maine-located provider that does not provide debt-management services to a Maine-resident consumer. Lines 34–36: section history, including PL 2007, c. 36, §9 and PL 2009, c. 243, §5. Page states data extracted October 5, 2026 at 17:28:28. |
Freshly read from the current official HTML on October 24, 2026, Pacific Time. No agency interpretation, adjudication, or controlling decision addressing mixed Maine/non-Maine customer operations was reviewed in this bounded pass. Maine State Legislature |
3. Replacement PASS-02 market-access-fee table cells
These rows replace only the two education-program rows in the PASS-02 “Replacement market-access and related fee table.”
| Charge or condition |
Amount / mechanic |
Payer and triggering event |
Current support |
Corrected boundary |
| Education-program submission |
$100 for each program submission |
Provider of the consumer-education program submitting that program to the administrator for approval |
32 M.R.S. §6174-B(2), S_ME-P3-C001. Maine State Legislature |
Subject to §6174-B(3): §6174-B does not apply to a debt-management-service provider located in Maine that does not provide debt-management services to a Maine-resident consumer. The text does not establish that a Maine-located provider serving both Maine and non-Maine residents may apply the exception separately to each outbound transaction. That mixed-customer issue remains held. This is a government program-submission charge, not a consumer service fee. |
| Consumer education-program charge |
Reasonable; maximum $50 |
Consumer receiving the administrator-approved consumer-education program |
32 M.R.S. §6174-B(2), S_ME-P3-C001. Maine State Legislature |
Subject to the same §6174-B(3) provider-level predicate. Do not generalize the exception to every non-Maine consumer transaction when the provider also serves Maine-resident consumers. The subsection does not by its text disapply separate registration, bond, other state-law, or federal requirements. |
4. Replacement PASS-02 coverage rows
These rows replace the corresponding education-fee rows in the PASS-02 correction-coverage table.
| Correction topic |
Status after PASS-03 |
Supporting claims |
Remaining limitation / exact next evidence |
| $100 education-program submission fee |
Resolved as to statutory amount and express exception; mixed-customer application partial |
S_ME-P3-C001–C002 |
The $100 requirement is subject to §6174-B(3)’s express exclusion for a provider located in Maine that does not provide debt-management services to a Maine-resident consumer. Obtain an authoritative Maine interpretation before treating the exclusion as transaction-specific for a provider that serves both Maine and non-Maine residents. Approval procedure, refund treatment, and treatment of a separate non-DMS education-program provider remain open. |
| Separate $50 consumer education-program cap |
Resolved as to statutory ceiling and express exception; mixed-customer application partial |
S_ME-P3-C001–C002 |
The $50 consumer cap is within the same section and therefore carries the same §6174-B(3) boundary. Fee earning, collection timing, refund treatment, bundling, federal treatment, and application to outbound transactions of a mixed-customer provider remain open. |
5. Compact read and scope self-check
Freshly read in this pass:
- Current official §6174-B HTML, including subsections (2) and (3), section history, and the page’s October 5, 2026 extraction date. Maine State Legislature
Not reread or relabeled:
- PASS-01 source-access history.
- PASS-02’s distinction between sources freshly read by the assistant and Rule 706 material documented as coordinator reuse.
- Other Maine statutes, Rule 706, NMLS materials, bond materials, fee structures, examples, or unresolved interpretation questions.
No conclusion is added concerning current provider status, registration, bonds, federal applicability, fee earning, refunds, interest bases, remote-provider nexus, creditor or referral arrangements, collection, case law, sectors, local or tribal law, full-state completion, or A066 acceptance. This is not an independent review.
END S_ME PASS-03.