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Correction date: October 24, 2026 Pacific.
The coordinator's correction is warranted. PASS-02 overstated what its official-source chain proved. The introduced/pre-filed A3489 text, S1310 second-reprint text, and two-line current-statutes root/version label authenticate what those documents reproduce, propose, and label. They do not, by themselves, authenticate the target §§17:16G-2 and 17:16G-6 as current on October 24, 2026, establish that A3489 had no later movement, or complete the enactment/final-action chain needed to prove that no intervening amendment became law.
PASS-03 therefore downgrades rather than closes those issues. No contrary enactment is asserted.
| PASS-02 claim | Correction |
|---|---|
| S_NJ-P2-C003 | Downgrade. Old wording—“No material 2026 enacted amendment adding ordinary for-profit debt adjusters to current §17:16G-2 was verified; A3489 is expressly introduced/pending, not enacted”—went too far insofar as it implied closure through October 24. Replace with: “The checked official A3489 introduced-version text proposed adding for-profit debt adjusters to the §17:16G-2 baseline reproduced in that bill. No enacted amendment affecting §17:16G-2 was verified in the bounded official sources actually read in PASS-02. The current October 24, 2026 section text and complete 2026 amendment/final-action chain remain unresolved.” |
| S_NJ-P2-C005 | Downgrade. Replace “proposal language rather than authenticated current law” as a current-law conclusion with: “A3489's introduced version presents proposed §17:16G-6(d) language. That document alone does not establish the October 24, 2026 status of the target section or prove no later bill movement/enactment.” |
| S_NJ-P2-C006 | Partially retain / materially narrow. PASS-02 did establish from the Legislative Digest that S1310 passed both houses and was sent to the Governor. Delete the further inference that “no resulting amendment … became authenticated current law” based on the later A3489 introduction and statutes-root metadata. Replace with: “S1310 passed both houses and was sent to the Governor. PASS-02 did not obtain the complete official gubernatorial/final-action/enactment record needed to determine from primary sources whether its proposed amendments became law or otherwise failed.” |
| S_NJ-P2-C010 | Withdraw closure language. Replace “the current §§2/-6 authentication gap … is materially narrowed/resolved” with: “PASS-02 added official bill-text evidence reproducing baseline language and identifying historical source citations, but it did not authenticate the complete current October 24, 2026 text of §§17:16G-2/-6. The direct-current-text and amendment-chain gaps remain open.” |
The following PASS-02 conclusions are withdrawn or narrowed:
No new search is being represented here as having closed those gaps.
| Claim ID | Precise assertion | Authority basis | Confidence / boundary |
|---|---|---|---|
| S_NJ-P3-C001 | A3489's introduced-version text proves what that introduced bill reproduced and proposed; it does not prove the target statutes' complete current text on October 24, 2026. | P2 canonical source S_NJ-P3-S002 | High. Document-status correction. |
| S_NJ-P3-C002 | The S1310 second-reprint text likewise proves the bill's reproduced baseline and proposed amendments, not ultimate enactment or current codification. | P2 canonical source S_NJ-P3-S003 | High. |
| S_NJ-P3-C003 | The Legislature statutes-root statement “updated through P.L.2026, c.50 and J.R.1” identifies the compilation's stated update level but, without readable target-section text or a complete amendment chain, does not authenticate §§17:16G-2/-6 themselves. | P2 canonical source S_NJ-P3-S001 | High. |
| S_NJ-P3-C004 | S1310's passage by both houses and transmission to the Governor is directly established by the official Legislative Digest. Its ultimate gubernatorial/final-action status was not established by the primary record read in PASS-02. | P2 canonical source S_NJ-P3-S004 | High for passage/transmission; unresolved thereafter. |
| S_NJ-P3-C005 | As of this correction, no enacted amendment contrary to the PASS-01 framework is asserted, but absence of enactment has not been proven from the bounded primary sources actually read. | S_NJ-P3-S001–S004 | Bounded negative finding only. |
| S_NJ-P3-C006 | The current October 24, 2026 text of N.J.S.A. 17:16G-2 and 17:16G-6 remains an unresolved authentication item until readable official current section text or a complete official enactment/amendment chain is obtained. | S_NJ-P3-S001–S004 | Held. |
| S_NJ-P3-C007 | A3489's introduced-version URL establishes only that version's status at introduction; it does not establish whether the bill later advanced, was amended, enacted, or died. | S_NJ-P3-S002 | High. Later history remains unresolved. |
PASS-02 split portions of the same documents into multiple source rows. For this correction, each document is canonicalized once.
| Canonical source ID | Document | Direct literal URL | Document status/version | PASS-03 access status | PASS-02 aliases |
|---|---|---|---|---|---|
| S_NJ-P3-S001 | New Jersey General and Permanent Statutes — statutes root | https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1 | Official Legislature statutes root; PASS-02 displayed update label through P.L.2026, c.50 and J.R.1 | Reuse only in PASS-03; not freshly reopened. | P2-S001 |
| S_NJ-P3-S002 | A3489 introduced text, 222nd Legislature | https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM | Official introduced/pre-filed version; proposal text, not final history | Reuse only in PASS-03. Coordinator separately read the same document; not independent review. | P2-S002, P2-S003 |
| S_NJ-P3-S003 | S1310 Second Reprint, 221st Legislature | https://pub.njleg.gov/Bills/2024/S1500/1310_R2.HTM | Official second-reprint bill text; not itself final-action proof | Reuse only in PASS-03. | P2-S004, P2-S005 |
| S_NJ-P3-S004 | New Jersey Legislative Digest, January 12, 2026 | https://pub.njleg.state.nj.us/publications/legislative-digest/011226.htm | Official legislative proceeding record; shows vote and “Passed Both Houses/Sent To Governor” status | Reuse only in PASS-03. | P2-S006, P2-S007 |
| S_NJ-P3-S005 | NJ Courts A-0052-23 case page | https://www.njcourts.gov/cases/a-0052-23 | Official Appellate case page/indexed record | Reuse only; Anchor later-status gap unchanged. | P2-S008 |
| S_NJ-P3-S006 | NJ Courts published Appellate opinions index | https://www.njcourts.gov/attorneys/opinions/published-appellate | Official published-opinion index | Reuse only; no merits rerun. | P2-S009 |
| S_NJ-P3-S007 | NJ Courts opinion summaries index | https://www.njcourts.gov/attorneys/opinions/opinion-summaries | Official appellate opinion-summary index | Reuse only. | P2-S010 |
| S_NJ-P3-S008 | NJ Courts A-0052-23 appellate briefs bundle | https://www.njcourts.gov/system/files/cases/briefs/a0052-23briefs.pdf | Official pre-decision appellate briefs | Reuse only; not probative of later Supreme Court status. | P2-S011 |
No claim is made that these eight canonical rows are eight independent authorities. S002/S003 are bill texts; S004 is one legislative digest; S005–S008 concern the same Anchor litigation record family.
| Affected PASS-02 coverage item | Corrected status | What is actually established | Exact remaining evidence |
|---|---|---|---|
| Current official §17:16G-2 wording | Unresolved / partial | Official bill texts reproduce a baseline and proposed amendments. | Readable official current §17:16G-2 text dated/current through Oct.24, 2026 or a complete official enactment/amendment chain establishing every change through that date. |
| Current official §17:16G-6 wording | Unresolved / partial | Official bill texts reproduce the historical statutory $15/regulatory-override language and proposed additions. | Same: current official §17:16G-6 or complete authenticated amendment chain. |
| Material 2026 enacted amendment affecting §§2/-6 | Unresolved | No enacted amendment was verified in the bounded sources read; no contrary enactment is asserted. | Official final-action/enactment history for S1310 and relevant 2026 successors, plus current target-section text or session-law chain. |
| S1310 legislative passage | Answered | Passed both houses; sent to Governor. | None for this procedural stage. |
| S1310 exact gubernatorial/final disposition | Unresolved | Not established by primary source read in PASS-02. | Official Governor action record, Legislature final-history page, veto message, pocket-veto list, or authenticated session-law/nonenactment record tied specifically to S1310. |
| A3489 later movement after introduced version | Unresolved | Only introduced-version document status was established. | Official bill-history/action record showing subsequent referrals, amendments, votes, enactment, veto, or end-of-session disposition. |
| Anchor post-May 9, 2025 later status | Unchanged unresolved | Appellate identity/publication was established in PASS-02; supplied holding remains prior evidence. | Official Supreme Court docket/order/status showing certification petition, grant/denial, stay, reversal, or other disposition. |
Nothing in PASS-03 changes the existing holds concerning:
This correction makes no full-state, publication-readiness, provider-authorization, or A066-acceptance claim.
PASS-03 is a correction of PASS-02's inference boundary, not a new merits investigation. I did not relabel previously read sources as fresh visits. The coordinator's separate reading of A3489, S1310R2, and the statutes root is acknowledged as same-coordinator review, not independent review.
The appropriate current position is therefore:
Official bill materials reproduce the historical/current-looking baseline and proposed changes, but the current October 24, 2026 text of §§17:16G-2/-6 and the complete 2026 enactment/final-action chain remain unresolved until stronger primary evidence is read.
END S_NJ PASS-03.
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.
PASS-02 claim · Correction · 4 data rows
| PASS-02 claim | Correction |
|---|---|
| S_NJ-P2-C003 | Downgrade. Old wording—“No material 2026 enacted amendment adding ordinary for-profit debt adjusters to current §17:16G-2 was verified; A3489 is expressly introduced/pending, not enacted”—went too far insofar as it implied closure through October 24. Replace with: “The checked official A3489 introduced-version text proposed adding for-profit debt adjusters to the §17:16G-2 baseline reproduced in that bill. No enacted amendment affecting §17:16G-2 was verified in the bounded official sources actually read in PASS-02. The current October 24, 2026 section text and complete 2026 amendment/final-action chain remain unresolved.” |
| S_NJ-P2-C005 | Downgrade. Replace “proposal language rather than authenticated current law” as a current-law conclusion with: “A3489's introduced version presents proposed §17:16G-6(d) language. That document alone does not establish the October 24, 2026 status of the target section or prove no later bill movement/enactment.” |
| S_NJ-P2-C006 | Partially retain / materially narrow. PASS-02 did establish from the Legislative Digest that S1310 passed both houses and was sent to the Governor. Delete the further inference that “no resulting amendment … became authenticated current law” based on the later A3489 introduction and statutes-root metadata. Replace with: “S1310 passed both houses and was sent to the Governor. PASS-02 did not obtain the complete official gubernatorial/final-action/enactment record needed to determine from primary sources whether its proposed amendments became law or otherwise failed.” |
| S_NJ-P2-C010 | Withdraw closure language. Replace “the current §§2/-6 authentication gap … is materially narrowed/resolved” with: “PASS-02 added official bill-text evidence reproducing baseline language and identifying historical source citations, but it did not authenticate the complete current October 24, 2026 text of §§17:16G-2/-6. The direct-current-text and amendment-chain gaps remain open.” |
Claim ID · Precise assertion · Authority basis · 7 data rows
| Claim ID | Precise assertion | Authority basis | Confidence / boundary |
|---|---|---|---|
| S_NJ-P3-C001 | A3489's introduced-version text proves what that introduced bill reproduced and proposed; it does not prove the target statutes' complete current text on October 24, 2026. | P2 canonical source S_NJ-P3-S002 | High. Document-status correction. |
| S_NJ-P3-C002 | The S1310 second-reprint text likewise proves the bill's reproduced baseline and proposed amendments, not ultimate enactment or current codification. | P2 canonical source S_NJ-P3-S003 | High. |
| S_NJ-P3-C003 | The Legislature statutes-root statement “updated through P.L.2026, c.50 and J.R.1” identifies the compilation's stated update level but, without readable target-section text or a complete amendment chain, does not authenticate §§17:16G-2/-6 themselves. | P2 canonical source S_NJ-P3-S001 | High. |
| S_NJ-P3-C004 | S1310's passage by both houses and transmission to the Governor is directly established by the official Legislative Digest. Its ultimate gubernatorial/final-action status was not established by the primary record read in PASS-02. | P2 canonical source S_NJ-P3-S004 | High for passage/transmission; unresolved thereafter. |
| S_NJ-P3-C005 | As of this correction, no enacted amendment contrary to the PASS-01 framework is asserted, but absence of enactment has not been proven from the bounded primary sources actually read. | S_NJ-P3-S001–S004 | Bounded negative finding only. |
| S_NJ-P3-C006 | The current October 24, 2026 text of N.J.S.A. 17:16G-2 and 17:16G-6 remains an unresolved authentication item until readable official current section text or a complete official enactment/amendment chain is obtained. | S_NJ-P3-S001–S004 | Held. |
| S_NJ-P3-C007 | A3489's introduced-version URL establishes only that version's status at introduction; it does not establish whether the bill later advanced, was amended, enacted, or died. | S_NJ-P3-S002 | High. Later history remains unresolved. |
Canonical source ID · Document · Direct literal URL · 8 data rows
| Canonical source ID | Document | Direct literal URL | Document status/version | PASS-03 access status | PASS-02 aliases |
|---|---|---|---|---|---|
| S_NJ-P3-S001 | New Jersey General and Permanent Statutes — statutes root | https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1 | Official Legislature statutes root; PASS-02 displayed update label through P.L.2026, c.50 and J.R.1 | Reuse only in PASS-03; not freshly reopened. | P2-S001 |
| S_NJ-P3-S002 | A3489 introduced text, 222nd Legislature | https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM | Official introduced/pre-filed version; proposal text, not final history | Reuse only in PASS-03. Coordinator separately read the same document; not independent review. | P2-S002, P2-S003 |
| S_NJ-P3-S003 | S1310 Second Reprint, 221st Legislature | https://pub.njleg.gov/Bills/2024/S1500/1310_R2.HTM | Official second-reprint bill text; not itself final-action proof | Reuse only in PASS-03. | P2-S004, P2-S005 |
| S_NJ-P3-S004 | New Jersey Legislative Digest, January 12, 2026 | https://pub.njleg.state.nj.us/publications/legislative-digest/011226.htm | Official legislative proceeding record; shows vote and “Passed Both Houses/Sent To Governor” status | Reuse only in PASS-03. | P2-S006, P2-S007 |
| S_NJ-P3-S005 | NJ Courts A-0052-23 case page | https://www.njcourts.gov/cases/a-0052-23 | Official Appellate case page/indexed record | Reuse only; Anchor later-status gap unchanged. | P2-S008 |
| S_NJ-P3-S006 | NJ Courts published Appellate opinions index | https://www.njcourts.gov/attorneys/opinions/published-appellate | Official published-opinion index | Reuse only; no merits rerun. | P2-S009 |
| S_NJ-P3-S007 | NJ Courts opinion summaries index | https://www.njcourts.gov/attorneys/opinions/opinion-summaries | Official appellate opinion-summary index | Reuse only. | P2-S010 |
| S_NJ-P3-S008 | NJ Courts A-0052-23 appellate briefs bundle | https://www.njcourts.gov/system/files/cases/briefs/a0052-23briefs.pdf | Official pre-decision appellate briefs | Reuse only; not probative of later Supreme Court status. | P2-S011 |
Affected PASS-02 coverage item · Corrected status · What is actually established · 7 data rows
| Affected PASS-02 coverage item | Corrected status | What is actually established | Exact remaining evidence |
|---|---|---|---|
| Current official §17:16G-2 wording | Unresolved / partial | Official bill texts reproduce a baseline and proposed amendments. | Readable official current §17:16G-2 text dated/current through Oct.24, 2026 or a complete official enactment/amendment chain establishing every change through that date. |
| Current official §17:16G-6 wording | Unresolved / partial | Official bill texts reproduce the historical statutory $15/regulatory-override language and proposed additions. | Same: current official §17:16G-6 or complete authenticated amendment chain. |
| Material 2026 enacted amendment affecting §§2/-6 | Unresolved | No enacted amendment was verified in the bounded sources read; no contrary enactment is asserted. | Official final-action/enactment history for S1310 and relevant 2026 successors, plus current target-section text or session-law chain. |
| S1310 legislative passage | Answered | Passed both houses; sent to Governor. | None for this procedural stage. |
| S1310 exact gubernatorial/final disposition | Unresolved | Not established by primary source read in PASS-02. | Official Governor action record, Legislature final-history page, veto message, pocket-veto list, or authenticated session-law/nonenactment record tied specifically to S1310. |
| A3489 later movement after introduced version | Unresolved | Only introduced-version document status was established. | Official bill-history/action record showing subsequent referrals, amendments, votes, enactment, veto, or end-of-session disposition. |
| Anchor post-May 9, 2025 later status | Unchanged unresolved | Appellate identity/publication was established in PASS-02; supplied holding remains prior evidence. | Official Supreme Court docket/order/status showing certification petition, grant/denial, stay, reversal, or other disposition. |
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.
Recorded check status: reviewed inference patch with current authentication held
Recorded check status: reviewed inference patch with current authentication held
Recorded check status: reviewed inference patch with current authentication held
Recorded check status: reviewed inference patch with current authentication held
Recorded check status: reviewed inference patch with current authentication held
Recorded check status: reviewed inference patch with current authentication held
Recorded check status: reviewed inference patch with current authentication held
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.
Recorded check status: reuse only canonical document identity reconciled no new access claim
Recorded check status: reuse only canonical document identity reconciled no new access claim
Recorded check status: reuse only canonical document identity reconciled no new access claim
Recorded check status: reuse only canonical document identity reconciled no new access claim
Recorded check status: reuse only canonical document identity reconciled no new access claim
Recorded check status: reuse only canonical document identity reconciled no new access claim
Recorded check status: reuse only canonical document identity reconciled no new access claim
Recorded check status: reuse only canonical document identity reconciled no new access claim
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.
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
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.
revise
Inside: Principal findings · 1. What conduct New Jersey classifies as debt adjustment · The statute uses alternative activity tests
Inside: A. Findings · 1. Current N.J.S.A. 17:16G-2 · 2. Current N.J.S.A. 17:16G-6
Original saved Markdown SHA-256: 3ed03c2c9d2a48bab414342da67289b2cea3577d5c3f1817f1d7fc12cfe1e29e. Public formatting, private-reference removal and correction annotations are separate from that immutable original.