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S_NV PASS-05 — Bounded P04 account-money corrections

Fresh primary-source access: October 27, 2026, Pacific (America/Los_Angeles). This patch changes only the entries identified below. P04’s original provenance, access history, unaffected findings, claim identities, examples, and remaining holds are preserved. No individual source-fetch timestamps are asserted.

A. Limited source-use register

Each document has one source identity despite its multiple relevant provisions.

B. Precise narrative and matrix replacements

R1 — Provider control is not identical to administrator affiliation

Replace only the identified model-matrix row with the following. Its existing row identity is retained.

Authority: S001, §§676A.150(2), .700(2) introductory language and (i)(1), .720; S002, NAC 676A.180(4); S004, §310.4(a)(5)(ii)(C). Delegation does not remove the provider’s liability, but that principle must not be rewritten as a blanket state-law ban on every affiliated administrator. Nevada Legislature+4

R2 — Separate the cancellation period, refund duties, and civil recovery

Use this replacement for the affected cancellation discussion:

NRS 676A.550(1) provides the ordinary cancellation right before midnight of the third business day after assent. Specified noncompliance with §550(2), §540, or §700 extends the cancellation right to 30 days after assent. Cancellation requires notice in a record; mailed notice is given when mailed. The emergency-waiver requirements of §550(3) remain applicable.

The mandatory notice in §550(2) expressly promises refund of all money already paid for cancellation within the three-day period. The extended 30-day cancellation right does not, by that language alone, establish an identical automatic all-money refund. It also does not establish that no refund is due. Nevada Legislature

The necessary separate money provisions remain relevant: §540(4) requires the specified termination protections, and §540(7) makes those rights and obligations effective even when omitted from the agreement. Section 570(8) addresses prompt return of money not paid to creditors, less fees actually payable under §580; §620(2) requires immediate return of the individual’s trust money upon termination. Apply each provision to its trigger and the actual ledger rather than treating every previously paid fee as retainable—or every historical payment as automatically refundable. Nevada Legislature+3

Civil recovery is a different branch. Under §760(5), a provider’s violation of an individual’s §550 rights can support recovery in a civil action of money paid or deposited under the agreement, excluding amounts paid to creditors, subject to applicable statutory qualifications, including §760(6). This is not an automatic all-money-refund rule triggered merely by invoking the 30-day period. Section 610 also has its own voidability predicates—unauthorized charges/payments or missing required registration—which must not be presumed from an agreement defect alone. No additional remedies conclusion is made here. Nevada Legislature+1

R3 — Federal receipt requirement

Replace the affected seven-business-day wording throughout the identified P04 entries with:

When §310.4(a)(5)(ii)(E) applies, the customer may withdraw from the debt-relief service without penalty and must receive all account funds, except amounts earned in compliance with §310.4(a)(5)(i)(A)–(C), within seven business days of the customer’s request.

“Returned or made available” is not retained as an alternative formulation. Service withdrawal remains distinct from unresolved bank-account closure, ACH-revocation, and card-access mechanics. eCFR

R4 — Complete the payee-agent predicate

Replace the payee-agent bullet in P04 §A.5 with:

The current NRS 671.020(3) exemption concerns a person appointed as a payee’s agent to collect and process payment for goods or services, other than money transmission, provided by the payee to the payor. It additionally requires: a written payee-agent agreement directing collection and processing on the payee’s behalf; the payee’s public identification of the agent as accepting those payments; and treatment of receipt by the agent as receipt by the payee, extinguishing the payor’s obligation without remittance-loss risk to the payor. All predicates must be established, subject to §671.020’s introductory qualification.

No creditor-payment or processor arrangement is classified by this patch. The other conditional C025 findings are preserved, not freshly expanded. Nevada Legislature

R5 — Both voluntary-contribution restrictions

Replace P04 §A.7’s voluntary-contribution paragraph with:

NRS 676A.590 prohibits soliciting a voluntary contribution from the individual or an affiliate of that individual for services provided to the individual. Separately, although the provision permits accepting voluntary contributions from an individual, until 30 days after plan completion or termination aggregate receipts from or for that individual cannot exceed the amount chargeable under §580. The no-solicitation rule is not limited to that 30-day period. Expiration of the aggregate-cap period does not establish unrestricted contribution permission, and no current permissible amount is established here. Nevada Legislature

C. Affected claim replacements only

The existing S_NV-P4-C… identities are retained. These are amendments, not new claims or renumbered records.

C020, C022, and C023 retain their existing assertions and identities. Their connection to the corrected matrix is R1: provider ownership/control, anti-evasion, delegation liability, and particular affiliate/referral restrictions are not interchangeable with the federal administrator-affiliation condition.

D. Affected trigger-table rows only

E. Example replacements only

The stipulated amounts and arithmetic are unchanged. These corrections concern legal predicates and the required result, not scalar calculations.

F. Affected coverage replacements only

These retain P04’s existing Scope identities; unlisted rows are unchanged.

Sources for these limited coverage amendments: R1/S001–S002/S004; R2/S001; R3/S004; R4/S003; R5/S001. Nevada Legislature+6

G. Exact affected-entry crosswalk

Researcher self-check and unchanged holds

Four official HTML documents were freshly accessed for the specified passages. Complete §676A.550, §676A.590, §676A.610, current §671.020(3), and §310.4(a)(5)(i)–(ii) were read, together with the necessary selected cross-references. R050-10A is identified only as reused P04 selected-read provenance; no PDF was reopened or newly visually inspected. No whole chapter, complete remedy framework, citator, subsequent-law universe, or actual account/entity record was reviewed. This is not an independent review.

All other holds remain: account ownership/control, commingling, interest, insurance and pass-through coverage, actual custody, actor licensing, lawful fee earning, adjusted amounts, TSR entity/campaign facts, records, insolvency and lien priority, money transmission, security, remedies, courts, limitations, collection, garnishment, secured and other sectors, local/tribal and remaining parent dimensions. Original files and provenance are unchanged. No new component, state, parent, A066, operational, or publication acceptance is established.

END S_NV PASS-05