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S_NY ACCESS-01 — Source provenance correction
SettleADebt.com | A066 | New York | Baseline: October 22, 2026 | Correction date: October 22, 2026 | GPT-6, regular Chat; no Deep Research invoked
1. Corrected S_NY-P02-C005 finding and status
Correction: Pass-02 incorrectly described the 2022 Westlaw reproduction of 3 NYCRR § 402.10 as opened. Its source register correctly recorded that the text was obtained through a search extract and that direct opening failed with HTTP 403.
No successful full-page opening of that Westlaw source is documented.
The corrected finding is:
S_NY-P02-C005 — Rescission, notice and conditional fee refunds
A search extract attributed to an unofficial Westlaw reproduction of 3 NYCRR § 402.10, labeled current through February 15, 2022, describes:
- § 402.10(a): three-business-day rescission and notice requirements.
- § 402.10(b): written rescission notice.
- § 402.10(c): a mailing rule treating properly addressed and posted notice as given upon mailing.
- § 402.10(d): prompt return of contract-associated fees following timely rescission, subject to an exception for reasonable counseling fees separately imposed.
Evidence status: Search-extract-only for the Westlaw source; direct opening failed. Current official October 2026 text unverified.
These provisions are reported contents of the historical reproduction, not independently authenticated operative October 2026 regulatory requirements.
Prior evidence reuse
Pass-01 separately registered:
S_NY-P01-S018 — Cornell LII, 3 NYCRR § 402.10
https://www.law.cornell.edu/regulations/new-york/3-NYCRR-402.10
Pass-01 reported that the Cornell reproduction was opened on October 22, 2026.
That is previously reported secondary-source access, not a fresh opening in pass-02 or this correction. The prior access report does not establish the regulation's October 2026 currency.
2. Corrected S_NY-P02-S003 source-register row
No new source ID is created because no new source was retrieved.
3. Claim, source and coverage disposition
| Record |
Corrected disposition |
Consequence |
| S_NY-P02-C005 |
Partial; historical secondary search extract, with separately reported prior Cornell access |
Remove the affirmative “opened Westlaw reproduction” wording |
| S_NY-P02-S003 |
Search-extract-only; HTTP 403 on direct opening |
Preserve the failed-access record |
| S_NY-P01-S018 |
Prior secondary evidence reportedly opened in pass-01 |
Do not count as a fresh pass-02 opening |
| S_NY-P02-C009 |
Separate § 402.11 ordinary-termination finding |
Unchanged; does not authenticate § 402.10 |
| Three-business-day rescission |
Partial |
Banking Law § 584-a independently supports the contractual cancellation-notice requirement; complete regulatory mechanics remain unverified |
| Written delivery and posting |
Partial |
Authenticate current official § 402.10(b)–(c) |
| Contract-fee and counseling-fee refunds |
Partial |
Authenticate current official § 402.10(d) and related provisions |
| Unused debtor funds |
Unresolved |
Obtain current official § 402.22 |
| Official regulatory access route |
Route verified by coordinator |
DOS State Register link to public Westlaw NYCRR does not authenticate every section or amendment |
| DFS annual-report deadline |
No new 2026 conclusion |
Historical 2025 prose cannot establish a 2026 deadline |
4. Residual holds
- Current regulation: Authenticate official October 2026 text and amendment history for relevant Parts 402 and 404 provisions.
- Rescission and refunds: Do not certify the exact current § 402.10 delivery, posting or counseling-fee exception from the 2022 extract alone.
- Unused money: Section 402.22 remains a material unresolved source.
- Fees: No universal New York fee ceiling, absence of a ceiling, or approved fee formula has been established.
- Source provenance: Official publication-route verification is not full-text verification. The Westlaw HTTP 403 failure remains recorded.
- Research status: This correction establishes neither category-1 publication readiness nor completion of the other six New York categories.
Researcher self-check: The conflicting descriptions have been reconciled against the saved response. No new web retrieval, independent legal review, local file write, publication or account action was performed. The correction changes evidence provenance only; it does not strengthen the underlying legal claim.
END S_NY ACCESS-01