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DETAILED RESEARCH · EVIDENCE & LIMITS INCLUDED

SSD Four corrections to

S_SD · pass-02Captured 2026-10-274 tables · 20 claim records · 7 source recordsScoped coordinator review completed

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_SD PASS-02 — Four corrections to PASS-01

Fresh public-source access: October 27, 2026, America/Los_Angeles. Disposition: The retention-status, budget-pinpoint, and request-to-receipt corrections are answered. CROA currentness is authenticated only through the dates expressly displayed in the selected section bodies; the later interval remains held.

This addendum supersedes only the passages identified below. P01 otherwise remains preserved, including its conditional provider-access framework and all unresolved state, federal, business-purpose, remote-provider, secured-debt, mediator, contract, and general-law questions. No provider authorization, fee approval, parent-state/A066 acceptance, operational clearance, or publication readiness is established.

1. Four-row before-and-after correction map

Issue and exact P01 location Superseded wording or treatment Corrected finding and replacement treatment
1. Retention status: S_SD-P1-C014, §5.3, S_SD-P1-S007 §5.3 said the July 2026 schedule “requires permanent retention.” C014 combined the schedule and budget as evidence of ongoing administration without preserving the schedule’s pending-approval qualification. AG-136’s permanent-retention language is qualified by same-page footnote 42: “Pending Records Destruction Board approval.” Treat it as pending generic policy—not a final approved retention rule or proof of a maintained provider bond. The S007 portion of C014 is narrowed accordingly. See P2-C001–C003. South Dakota Official State Homepage
2. Budget pinpoint: S_SD-P1-S008, its pinpoint in S_SD-P1-C014, and §5.3 S008 gave “Internal page 14/PDF page 15.” Correct locator: printed page 15 / zero-based PDF index 14, the fifteenth PDF page. The original one-based PDF-page reference was correct; the internal/printed-page reference was not. The reported figures remain unchanged. Preserve the displayed timestamp and Governor-budget qualification in P2-C004–C007. My LRC+1
3. CROA currency bridge: §4.3, S_SD-P1-S017–S018, S_SD-P1-C032 P01 attributed currency through Public Law 119-124, October 15, 2026, to House materials and used that assertion to connect the 2024 annual-edition text to the later date. Each selected House section body freshly read here states currency through Public Law 119-120, October 7, 2026. The supplied chapter-front page displayed no currency statement. The selected 2024 passages match the later section bodies substantively, but October 8–27 currentness, including the asserted October 15 bridge, remains unverified. Conditional coverage is preserved; access failures establish neither a legal amendment nor that P01’s historical observation was false. See P2-C008–C015. US Code+4
4. Dedicated-account deadline: §4.2, S_SD-P1-C029, E03, and S_SD-P1-S014 C029 described return “within seven business days after withdrawal”; E03 omitted the request-based starting point. Replace that wording with customer receipt within seven business days of the customer’s request, excluding only funds earned under all applicable conditions in §310.4(a)(5)(i)(A)–(C). E03’s stipulated arithmetic remains unchanged. See P2-C016–C020 and the bounded correction below. eCFR

2. Fresh source register

Source-ID convention: Each full identifier begins S_SD-P2-. The selected House section pages share one source group; the memorandum and AG-136 entry share another. Different passages are not presented as different documents.

All access dates below are October 27, 2026 Pacific. PDF indices are zero-based. HTML documents have no printed page or PDF index.

Source ID Title, issuer, and complete HTTPS URL Version/status Exact pinpoint and actual read bounds
S_SD-P2-S001 Office of the Attorney General—Records Retention and Destruction Schedule, South Dakota records-management program/Attorney General. https://www.sd.gov/sys_attachment.do?sys_id=e52847c71be68b14df4edb1de54bcb78 Memorandum dated July 30, 2026; AG-136 footer 07/2026. Pending qualification preserved. Printed 87 / PDF index 111: AG-136 description, citation, retention language, footnote 42. Unnumbered memorandum / PDF index 2: heading/date. Both pages visually checked; not the entire 135-page schedule. South Dakota Official State Homepage+1
S_SD-P2-S002 Office of the Attorney General—Fiscal Year 2027 Budget Brief Detail, official South Dakota legislative-hosted budget document. https://mylrc.sdlegislature.gov/api/Documents/Attachment/295234.pdf?Year=2026 FY2027 brief; displayed timestamp 1/4/2025, 10:39:47 AM. Not treated as an authenticated publication date. Printed 15 / PDF index 14: performance header, debt-adjustment-bonds row, footer. Printed 1 / PDF index 0: Governor-budget caution. Both pages visually checked. My LRC+1
S_SD-P2-S003 Selected Title 15 CROA section bodies, U.S. House Office of the Law Revision Counsel. §1679a, Definitions: https://uscode.house.gov/us/usc/119-118/t15/s1679a/ §1679b, Prohibited practices: https://uscode.house.gov/us/usc/119-118/t15/s1679b/ §1679d, Credit repair organizations contracts: https://uscode.house.gov/us/usc/119-118/t15/s1679d/ §1679e, Right to cancel contract: https://uscode.house.gov/us/usc/119-118/t15/s1679e/ Each body, notwithstanding the 119-118 URL component, states laws in effect through PL 119-120 (October 7, 2026). Later currency not established. Read each currency header and §1679a(1)–(4), §1679b(b), §1679d(a)–(b), §1679e(a)–(c). HTML; page/index N/A. §1679b was reached through §1679a’s “Next” link; the d/e locators were directly opened and returned substantive bodies. US Code+3
S_SD-P2-S004 Chapter 41—Consumer Credit Protection—Front Matter, House OLRC. https://uscode.house.gov/us/usc/119-124/t15/chapter41-front.html Successful retrieval of front matter, without a displayed currency statement. The path component is not adopted as legal-currentness evidence. Chapter heading and section listing, including §§1679a–1679e; returned page checked for currency language. No operative section body or amendment bridge supplied by this page. HTML; page/index N/A. US Code+1
S_SD-P2-S005 2024 U.S. Code, Title 15, Chapter 41, Subchapter II–A—Credit Repair Organizations, GovInfo/GPO official annual-edition PDF. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf 2024 annual edition, not independently an October 2026 currency certification. Printed 1552 / index 1: §1679a and §1679b(b). Printed 1553 / index 2: §1679d(a). Printed 1554 / index 3: §1679d(b), §1679e(a)–(c). Selected passages visually checked and compared with S003; adjacent provisions not adopted. GovInfo+2
S_SD-P2-S006 16 C.F.R. §310.4—Abusive telemarketing acts or practices, FTC regulation displayed by eCFR/OFR-GPO. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4 Authoritative but unofficial display. Header: through October 23, 2026; Title 16 last amended October 19, 2026. Currency header; (a)(5)(i)(A)–(C) and (a)(5)(ii)(A)–(E), especially (ii)(E). HTML; page/index N/A. eCFR+1
S_SD-P2-S007 Attempted preliminary-edition House section pages—failure log, not substantive authority. §1679b: https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1679b+edition%3Aprelim%29 §1679d: https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1679d §1679e: https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1679e+edition%3Aprelim%29 All three newly attempted routes returned 404 Not Found. No text, edition currency, or legal change authenticated through them. Search-discovered URLs were actually opened. No substantive body read. Snippets were not used to supply missing law or dates. No unchanged retry followed. Page/index N/A. (Invalid URL)

3. Atomic claim register

Full identifiers appear below; source references such as S003 mean S_SD-P2-S003.

Claim ID Precise corrected assertion Source and pinpoint Confidence and boundary
S_SD-P2-C001 AG-136’s retention text is subject to footnote 42’s pending-approval qualification. S001, printed 87/index 111, AG-136 and footnote 42. South Dakota Official State Homepage High for displayed status; no subsequent approval inferred.
S_SD-P2-C002 The generic entry does not prove a particular bond remains maintained or a provider currently authorized. S001, AG-136 description. South Dakota Official State Homepage Evidentiary limitation, not a provider-status finding.
S_SD-P2-C003 The entry prints “SDCL-34-34-3.” That apparent error remains distinct from P01’s retained §37-34-3 authority. S001, AG-136 description. South Dakota Official State Homepage Typo freshly observed; controlling statute not re-investigated in P02.
S_SD-P2-C004 The relevant budget row is on printed 15/index 14. S002, performance page/footer. My LRC High; visual confirmation.
S_SD-P2-C005 The row reports actual FY2024: 50; actual FY2025: 49; estimated FY2026: 50; estimated FY2027: 50 debt-adjustment bonds. S002, performance header and row. My LRC Counts unchanged; neither unique active providers nor current approvals established.
S_SD-P2-C006 The displayed timestamp is 1/4/2025, 10:39:47 AM. S002, printed 15/index 14 footer. My LRC Display only; no inferred publication date.
S_SD-P2-C007 The brief cautions that its Governor-budget basis may differ from the Legislature’s final budget. S002, printed 1/index 0, introductory caution. My LRC No final-budget certification.
S_SD-P2-C008 All four selected House section bodies state currency through PL 119-120, October 7, 2026. S003, each section’s currency header. US Code+3 Body statements—not an inference from URL naming.
S_SD-P2-C009 The selected §1679a definitions and exclusions show no material wording difference between S005 and S003. S005, printed 1552/index 1; S003, §1679a(1)–(4). GovInfo+1 Coverage remains conditional; no South Dakota-wide CROA application inferred.
S_SD-P2-C010 Both versions of §1679b(b) prohibit charging or receiving consideration for an agreed service before that service is fully performed. S005, printed 1552/index 1; S003, §1679b(b). GovInfo+1 Text comparison only; applicable-provider and service facts remain required.
S_SD-P2-C011 Selected §1679d(a)–(b) text matches substantively: the signed, written, dated contract requirements and service-start restriction are not changed between these versions. S005, printed 1553–1554/indices 2–3; S003, §1679d(a)–(b). GovInfo+2 The service-start period begins on signing; no new agreement-law analysis undertaken.
S_SD-P2-C012 Selected §1679e(a)–(c) cancellation, form, and copy provisions match substantively between the two versions. S005, printed 1554/index 3; S003, §1679e(a)–(c). GovInfo+1 The cancellation right in (a) runs to before midnight of the third business day beginning after execution or the specified enforceability event. No actual deadline calculated.
S_SD-P2-C013 The supplied 119-124 chapter-front page does not authenticate P01’s claimed October 15 currency bridge. S004, returned front matter. US Code Successful retrieval, but insufficient content for that proposition.
S_SD-P2-C014 The three preliminary-page failures supply no substantive evidence of amendment, repeal, or unchanged law. S007, recorded 404 results. (Invalid URL) Access failure is not a legal-status determination.
S_SD-P2-C015 This pass does not establish the selected CROA provisions’ currentness for October 8–27, 2026. S003’s stated cutoff; S004 and S007 limitations. US Code+1 Exact later-period hold; not evidence that the law changed.
S_SD-P2-C016 The fresh eCFR header is October 23 / last Title 16 amendment October 19. S006, currency header. eCFR Does not identify an amendment to this particular clause; does not overwrite P01’s historical October 22 observation.
S_SD-P2-C017 Under the applicable rule, the customer must receive the required funds within seven business days of the request. S006, §310.4(a)(5)(ii)(E). eCFR Request-to-receipt requirement, not a transfer-initiation deadline.
S_SD-P2-C018 The earned-funds exception requires compliance with (i)(A)–(C): qualifying customer-executed debt alteration, payment under that agreement, and applicable fee allocation. S006, §310.4(a)(5)(i)(A)–(C), (ii)(E). eCFR A payment alone does not establish the exception.
S_SD-P2-C019 E03’s stipulated proportional calculation remains $800 allocated to A; $300 previously received; $500 remaining. User-preserved E03 inputs; arithmetic below. Numeric consistency only; prior collection is stipulated to follow all required conditions.
S_SD-P2-C020 E03’s current account balance remains $1,700 + $500 = $2,200, with $0 administrator fee. User-preserved E03 account snapshot. The previous $300 is not deducted again. No actual entitlement or debit authority adjudicated.

CROA correction’s precise effect

P01-C032 may remain a conditional statement supported by the selected 2024 text and corroborated by the section bodies displaying the October 7 cutoff. It should not carry an authenticated October 15—or October 27—currency label on the evidence obtained here. The selected comparisons do not extend to the entire chapter, later public laws, implementing doctrine, or case law. GovInfo+6

4. E03 — Bounded correction, with the original method preserved

These are the supplied hypothetical inputs, not a verified consumer account or approved fee contract.

Plain text

Currency: USD.

Enrollment balances:
A = $4,000
B = $6,000
C = $10,000
Total = $4,000 + $6,000 + $10,000 = $20,000

Total contracted fee assumed for this arithmetic = $4,000.
Method throughout: proportional enrolled-balance allocation.

A allocation:
$4,000 × ($4,000 ÷ $20,000) = $800

Prior A fee, stipulated received only after all A conditions = $300.
Remaining A allocation:
$800 − $300 = $500

Current account:
Unearned funds                         $1,700
Conditionally earned, untransferred A fee  $500
Administrator fee                         $0
Account total                         $2,200

All arithmetic is exact; no rounding adjustment is needed. The previous $300 is outside the stated current balance and is not subtracted a second time.

Replacement for E03’s receipt sentence: On the stipulated conditions, the $1,700 must reach the customer by the P2-C017 request-based deadline. The $500 is only the conditional earned-funds exclusion described in P2-C018, not automatic debit permission. eCFR

The $4,000 contracted-fee assumption is retained solely to preserve the example. It establishes neither legal reasonableness nor enforceability, provider authorization, a real withdrawal date, or a calendar deadline.

Two abstract failure branches

Status branch: Treating the pending AG-136 entry as a final-approved retention rule fails the status check. Retain the approval hold; infer no provider permission. South Dakota Official State Homepage

Receipt branch: Initiating a transfer before the deadline but delivering the required funds afterward fails P2-C017. Initiation is not receipt. No actual calendar is assumed. eCFR

5. Four-issue coverage and gap table

Issue Status and claim IDs Exact missing evidence or excluded inference Bounded next action
AG-136 pending status Answered correction; later approval unresolved. C001–C003. No final-approved generic AG-136 policy with authenticated approval/effective status was established. Provider-specific maintenance and permission are excluded. Preserve the qualification. No board-record or provider-file query. Reconsider only upon separately supplied or authorized final generic policy evidence.
FY2027 budget pinpoint Answered. C004–C007. Nothing missing for the requested pinpoint repair. Final-budget correspondence and unique-provider/current-approval interpretations are not established and are outside this correction. Replace the locator; retain the figures and cautions. No provider-count arithmetic or entity inquiry.
CROA currentness Partial. C008–C015. Missing: operative section-level or other official legal-update evidence accounting for the period after October 7 through October 27, including the claimed October 15 connection. Front matter and failed pages do not fill it. Keep that exact interval held. A later authorized check should target only the four selected statutory bodies and directly relevant official update evidence—not infer currency from a path, index, or snippet.
Dedicated-account request/receipt wording Answered, conditionally applicable. C016–C020. No textual gap for the requested correction. Actual transaction facts, fee entitlement, debit authority, and calendar computation are excluded. Replace the temporal wording in §4.2/C029/E03. Preserve the same proportional method and existing legal holds; do not rerun the other seven examples.

6. Researcher self-check

Actually read: The seven selected PDF pages identified in the source table were visually checked. The four selected House section bodies, the supplied chapter-front page, and the identified eCFR header and clauses were read directly. This was not a review of the complete retention schedule, budget, CROA chapter, or TSR.

Actual failures and limits: S007 records three fresh 404 responses. S004 loaded successfully but supplied no currency statement. The failed preliminary pages were not replaced with search-snippet assertions. The successful section bodies support only their expressly displayed cutoff; the later-period hold remains.

Not performed: No board records, provider files, authorization databases, borrower/account records, case records, or dockets were queried. No contacts, filings, record requests, local artifact writes, or hash verification were undertaken. The coordinator’s supplied capture, review, numeric-check, and model history was not re-verified.

This is a researcher correction self-check, not independent review or qualified legal approval. Every other P01 source gap and state/country/contract hold remains unchanged, as do all parent-state, A066, operational, and publication holds.

END S_SD PASS-02.

Every captured table

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.

How to read the research →

Captured table 01

Issue and exact P01 location · Superseded wording or treatment · Corrected finding and replacement treatment · 4 data rows

Issue and exact P01 locationSuperseded wording or treatmentCorrected finding and replacement treatment
1. Retention status: S_SD-P1-C014, §5.3, S_SD-P1-S007§5.3 said the July 2026 schedule “requires permanent retention.” C014 combined the schedule and budget as evidence of ongoing administration without preserving the schedule’s pending-approval qualification.AG-136’s permanent-retention language is qualified by same-page footnote 42: “Pending Records Destruction Board approval.” Treat it as pending generic policy—not a final approved retention rule or proof of a maintained provider bond. The S007 portion of C014 is narrowed accordingly. See P2-C001–C003. South Dakota Official State Homepage
2. Budget pinpoint: S_SD-P1-S008, its pinpoint in S_SD-P1-C014, and §5.3S008 gave “Internal page 14/PDF page 15.”Correct locator: printed page 15 / zero-based PDF index 14, the fifteenth PDF page. The original one-based PDF-page reference was correct; the internal/printed-page reference was not. The reported figures remain unchanged. Preserve the displayed timestamp and Governor-budget qualification in P2-C004–C007. My LRC +1
3. CROA currency bridge: §4.3, S_SD-P1-S017–S018, S_SD-P1-C032P01 attributed currency through Public Law 119-124, October 15, 2026, to House materials and used that assertion to connect the 2024 annual-edition text to the later date.Each selected House section body freshly read here states currency through Public Law 119-120, October 7, 2026. The supplied chapter-front page displayed no currency statement. The selected 2024 passages match the later section bodies substantively, but October 8–27 currentness, including the asserted October 15 bridge, remains unverified. Conditional coverage is preserved; access failures establish neither a legal amendment nor that P01’s historical observation was false. See P2-C008–C015. US Code +4
4. Dedicated-account deadline: §4.2, S_SD-P1-C029, E03, and S_SD-P1-S014C029 described return “within seven business days after withdrawal”; E03 omitted the request-based starting point.Replace that wording with customer receipt within seven business days of the customer’s request, excluding only funds earned under all applicable conditions in §310.4(a)(5)(i)(A)–(C). E03’s stipulated arithmetic remains unchanged. See P2-C016–C020 and the bounded correction below. eCFR
Source links captured in this table

Captured table 02

Source ID · Title, issuer, and complete HTTPS URL · Version/status · 7 data rows

Source IDTitle, issuer, and complete HTTPS URLVersion/statusExact pinpoint and actual read bounds
S_SD-P2-S001Office of the Attorney General—Records Retention and Destruction Schedule, South Dakota records-management program/Attorney General. https://www.sd.gov/sys_attachment.do?sys_id=e52847c71be68b14df4edb1de54bcb78Memorandum dated July 30, 2026; AG-136 footer 07/2026. Pending qualification preserved.Printed 87 / PDF index 111: AG-136 description, citation, retention language, footnote 42. Unnumbered memorandum / PDF index 2: heading/date. Both pages visually checked; not the entire 135-page schedule. South Dakota Official State Homepage +1
S_SD-P2-S002Office of the Attorney General—Fiscal Year 2027 Budget Brief Detail, official South Dakota legislative-hosted budget document. https://mylrc.sdlegislature.gov/api/Documents/Attachment/295234.pdf?Year=2026FY2027 brief; displayed timestamp 1/4/2025, 10:39:47 AM. Not treated as an authenticated publication date.Printed 15 / PDF index 14: performance header, debt-adjustment-bonds row, footer. Printed 1 / PDF index 0: Governor-budget caution. Both pages visually checked. My LRC +1
S_SD-P2-S003Selected Title 15 CROA section bodies, U.S. House Office of the Law Revision Counsel. §1679a, Definitions: https://uscode.house.gov/us/usc/119-118/t15/s1679a/ §1679b, Prohibited practices: https://uscode.house.gov/us/usc/119-118/t15/s1679b/ §1679d, Credit repair organizations contracts: https://uscode.house.gov/us/usc/119-118/t15/s1679d/ §1679e, Right to cancel contract: https://uscode.house.gov/us/usc/119-118/t15/s1679e/Each body, notwithstanding the 119-118 URL component, states laws in effect through PL 119-120 (October 7, 2026). Later currency not established.Read each currency header and §1679a(1)–(4), §1679b(b), §1679d(a)–(b), §1679e(a)–(c). HTML; page/index N/A. §1679b was reached through §1679a’s “Next” link; the d/e locators were directly opened and returned substantive bodies. US Code +3
S_SD-P2-S004Chapter 41—Consumer Credit Protection—Front Matter, House OLRC. https://uscode.house.gov/us/usc/119-124/t15/chapter41-front.htmlSuccessful retrieval of front matter, without a displayed currency statement. The path component is not adopted as legal-currentness evidence.Chapter heading and section listing, including §§1679a–1679e; returned page checked for currency language. No operative section body or amendment bridge supplied by this page. HTML; page/index N/A. US Code +1
S_SD-P2-S0052024 U.S. Code, Title 15, Chapter 41, Subchapter II–A—Credit Repair Organizations, GovInfo/GPO official annual-edition PDF. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf2024 annual edition, not independently an October 2026 currency certification.Printed 1552 / index 1: §1679a and §1679b(b). Printed 1553 / index 2: §1679d(a). Printed 1554 / index 3: §1679d(b), §1679e(a)–(c). Selected passages visually checked and compared with S003; adjacent provisions not adopted. GovInfo +2
S_SD-P2-S00616 C.F.R. §310.4—Abusive telemarketing acts or practices, FTC regulation displayed by eCFR/OFR-GPO. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4Authoritative but unofficial display. Header: through October 23, 2026; Title 16 last amended October 19, 2026.Currency header; (a)(5)(i)(A)–(C) and (a)(5)(ii)(A)–(E), especially (ii)(E). HTML; page/index N/A. eCFR +1
S_SD-P2-S007Attempted preliminary-edition House section pages—failure log, not substantive authority. §1679b: https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1679b+edition%3Aprelim%29 §1679d: https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1679d §1679e: https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1679e+edition%3Aprelim%29All three newly attempted routes returned 404 Not Found. No text, edition currency, or legal change authenticated through them.Search-discovered URLs were actually opened. No substantive body read. Snippets were not used to supply missing law or dates. No unchanged retry followed. Page/index N/A. (Invalid URL)
Source links captured in this table

Captured table 03

Claim ID · Precise corrected assertion · Source and pinpoint · 20 data rows

Claim IDPrecise corrected assertionSource and pinpointConfidence and boundary
S_SD-P2-C001AG-136’s retention text is subject to footnote 42’s pending-approval qualification.S001, printed 87/index 111, AG-136 and footnote 42. South Dakota Official State HomepageHigh for displayed status; no subsequent approval inferred.
S_SD-P2-C002The generic entry does not prove a particular bond remains maintained or a provider currently authorized.S001, AG-136 description. South Dakota Official State HomepageEvidentiary limitation, not a provider-status finding.
S_SD-P2-C003The entry prints “SDCL-34-34-3.” That apparent error remains distinct from P01’s retained §37-34-3 authority.S001, AG-136 description. South Dakota Official State HomepageTypo freshly observed; controlling statute not re-investigated in P02.
S_SD-P2-C004The relevant budget row is on printed 15/index 14.S002, performance page/footer. My LRCHigh; visual confirmation.
S_SD-P2-C005The row reports actual FY2024: 50; actual FY2025: 49; estimated FY2026: 50; estimated FY2027: 50 debt-adjustment bonds.S002, performance header and row. My LRCCounts unchanged; neither unique active providers nor current approvals established.
S_SD-P2-C006The displayed timestamp is 1/4/2025, 10:39:47 AM.S002, printed 15/index 14 footer. My LRCDisplay only; no inferred publication date.
S_SD-P2-C007The brief cautions that its Governor-budget basis may differ from the Legislature’s final budget.S002, printed 1/index 0, introductory caution. My LRCNo final-budget certification.
S_SD-P2-C008All four selected House section bodies state currency through PL 119-120, October 7, 2026.S003, each section’s currency header. US Code +3Body statements—not an inference from URL naming.
S_SD-P2-C009The selected §1679a definitions and exclusions show no material wording difference between S005 and S003.S005, printed 1552/index 1; S003, §1679a(1)–(4). GovInfo +1Coverage remains conditional; no South Dakota-wide CROA application inferred.
S_SD-P2-C010Both versions of §1679b(b) prohibit charging or receiving consideration for an agreed service before that service is fully performed.S005, printed 1552/index 1; S003, §1679b(b). GovInfo +1Text comparison only; applicable-provider and service facts remain required.
S_SD-P2-C011Selected §1679d(a)–(b) text matches substantively: the signed, written, dated contract requirements and service-start restriction are not changed between these versions.S005, printed 1553–1554/indices 2–3; S003, §1679d(a)–(b). GovInfo +2The service-start period begins on signing; no new agreement-law analysis undertaken.
S_SD-P2-C012Selected §1679e(a)–(c) cancellation, form, and copy provisions match substantively between the two versions.S005, printed 1554/index 3; S003, §1679e(a)–(c). GovInfo +1The cancellation right in (a) runs to before midnight of the third business day beginning after execution or the specified enforceability event. No actual deadline calculated.
S_SD-P2-C013The supplied 119-124 chapter-front page does not authenticate P01’s claimed October 15 currency bridge.S004, returned front matter. US CodeSuccessful retrieval, but insufficient content for that proposition.
S_SD-P2-C014The three preliminary-page failures supply no substantive evidence of amendment, repeal, or unchanged law.S007, recorded 404 results. (Invalid URL)Access failure is not a legal-status determination.
S_SD-P2-C015This pass does not establish the selected CROA provisions’ currentness for October 8–27, 2026.S003’s stated cutoff; S004 and S007 limitations. US Code +1Exact later-period hold; not evidence that the law changed.
S_SD-P2-C016The fresh eCFR header is October 23 / last Title 16 amendment October 19.S006, currency header. eCFRDoes not identify an amendment to this particular clause; does not overwrite P01’s historical October 22 observation.
S_SD-P2-C017Under the applicable rule, the customer must receive the required funds within seven business days of the request.S006, §310.4(a)(5)(ii)(E). eCFRRequest-to-receipt requirement, not a transfer-initiation deadline.
S_SD-P2-C018The earned-funds exception requires compliance with (i)(A)–(C): qualifying customer-executed debt alteration, payment under that agreement, and applicable fee allocation.S006, §310.4(a)(5)(i)(A)–(C), (ii)(E). eCFRA payment alone does not establish the exception.
S_SD-P2-C019E03’s stipulated proportional calculation remains $800 allocated to A; $300 previously received; $500 remaining.User-preserved E03 inputs; arithmetic below.Numeric consistency only; prior collection is stipulated to follow all required conditions.
S_SD-P2-C020E03’s current account balance remains $1,700 + $500 = $2,200, with $0 administrator fee.User-preserved E03 account snapshot.The previous $300 is not deducted again. No actual entitlement or debit authority adjudicated.
Source links captured in this table

Captured table 04

Issue · Status and claim IDs · Exact missing evidence or excluded inference · 4 data rows

IssueStatus and claim IDsExact missing evidence or excluded inferenceBounded next action
AG-136 pending statusAnswered correction; later approval unresolved. C001–C003.No final-approved generic AG-136 policy with authenticated approval/effective status was established. Provider-specific maintenance and permission are excluded.Preserve the qualification. No board-record or provider-file query. Reconsider only upon separately supplied or authorized final generic policy evidence.
FY2027 budget pinpointAnswered. C004–C007.Nothing missing for the requested pinpoint repair. Final-budget correspondence and unique-provider/current-approval interpretations are not established and are outside this correction.Replace the locator; retain the figures and cautions. No provider-count arithmetic or entity inquiry.
CROA currentnessPartial. C008–C015.Missing: operative section-level or other official legal-update evidence accounting for the period after October 7 through October 27, including the claimed October 15 connection. Front matter and failed pages do not fill it.Keep that exact interval held. A later authorized check should target only the four selected statutory bodies and directly relevant official update evidence—not infer currency from a path, index, or snippet.
Dedicated-account request/receipt wordingAnswered, conditionally applicable. C016–C020.No textual gap for the requested correction. Actual transaction facts, fee entitlement, debit authority, and calendar computation are excluded.Replace the temporal wording in §4.2/C029/E03. Preserve the same proportional method and existing legal holds; do not rerun the other seven examples.

Find the assertion and its boundaries

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.

How to read the research →

S_SD-P2-C001 Saved research record

AG-136’s retention text is subject to footnote 42’s pending-approval qualification.

Recorded check status: not yet checked

Source and pinpoint
S001, printed 87/index 111, AG-136 and footnote 42. South Dakota Official State Homepage
Confidence and boundary
High for displayed status; no subsequent approval inferred.
S_SD-P2-C002 Saved research record

The generic entry does not prove a particular bond remains maintained or a provider currently authorized.

Recorded check status: not yet checked

Source and pinpoint
S001, AG-136 description. South Dakota Official State Homepage
Confidence and boundary
Evidentiary limitation, not a provider-status finding.
S_SD-P2-C003 Saved research record

The entry prints “SDCL-34-34-3.” That apparent error remains distinct from P01’s retained §37-34-3 authority.

Recorded check status: not yet checked

Source and pinpoint
S001, AG-136 description. South Dakota Official State Homepage
Confidence and boundary
Typo freshly observed; controlling statute not re-investigated in P02.
S_SD-P2-C004 Saved research record

The relevant budget row is on printed 15/index 14.

Recorded check status: not yet checked

Source and pinpoint
S002, performance page/footer. My LRC
Confidence and boundary
High; visual confirmation.
S_SD-P2-C005 Saved research record

The row reports actual FY2024: 50; actual FY2025: 49; estimated FY2026: 50; estimated FY2027: 50 debt-adjustment bonds.

Recorded check status: not yet checked

Source and pinpoint
S002, performance header and row. My LRC
Confidence and boundary
Counts unchanged; neither unique active providers nor current approvals established.
S_SD-P2-C006 Saved research record

The displayed timestamp is 1/4/2025, 10:39:47 AM.

Recorded check status: not yet checked

Source and pinpoint
S002, printed 15/index 14 footer. My LRC
Confidence and boundary
Display only; no inferred publication date.
S_SD-P2-C007 Saved research record

The brief cautions that its Governor-budget basis may differ from the Legislature’s final budget.

Recorded check status: not yet checked

Source and pinpoint
S002, printed 1/index 0, introductory caution. My LRC
Confidence and boundary
No final-budget certification.
S_SD-P2-C008 Saved research record

All four selected House section bodies state currency through PL 119-120, October 7, 2026.

Recorded check status: not yet checked

Source and pinpoint
S003, each section’s currency header. US Code +3
Confidence and boundary
Body statements—not an inference from URL naming.
S_SD-P2-C009 Saved research record

The selected §1679a definitions and exclusions show no material wording difference between S005 and S003.

Recorded check status: not yet checked

Source and pinpoint
S005, printed 1552/index 1; S003, §1679a(1)–(4). GovInfo +1
Confidence and boundary
Coverage remains conditional; no South Dakota-wide CROA application inferred.
S_SD-P2-C010 Saved research record

Both versions of §1679b(b) prohibit charging or receiving consideration for an agreed service before that service is fully performed.

Recorded check status: not yet checked

Source and pinpoint
S005, printed 1552/index 1; S003, §1679b(b). GovInfo +1
Confidence and boundary
Text comparison only; applicable-provider and service facts remain required.
S_SD-P2-C011 Saved research record

Selected §1679d(a)–(b) text matches substantively: the signed, written, dated contract requirements and service-start restriction are not changed between these versions.

Recorded check status: not yet checked

Source and pinpoint
S005, printed 1553–1554/indices 2–3; S003, §1679d(a)–(b). GovInfo +2
Confidence and boundary
The service-start period begins on signing; no new agreement-law analysis undertaken.
S_SD-P2-C012 Saved research record

Selected §1679e(a)–(c) cancellation, form, and copy provisions match substantively between the two versions.

Recorded check status: not yet checked

Source and pinpoint
S005, printed 1554/index 3; S003, §1679e(a)–(c). GovInfo +1
Confidence and boundary
The cancellation right in (a) runs to before midnight of the third business day beginning after execution or the specified enforceability event. No actual deadline calculated.
S_SD-P2-C013 Saved research record

The supplied 119-124 chapter-front page does not authenticate P01’s claimed October 15 currency bridge.

Recorded check status: not yet checked

Source and pinpoint
S004, returned front matter. US Code
Confidence and boundary
Successful retrieval, but insufficient content for that proposition.
S_SD-P2-C014 Saved research record

The three preliminary-page failures supply no substantive evidence of amendment, repeal, or unchanged law.

Recorded check status: not yet checked

Source and pinpoint
S007, recorded 404 results. (Invalid URL)
Confidence and boundary
Access failure is not a legal-status determination.
S_SD-P2-C015 Saved research record

This pass does not establish the selected CROA provisions’ currentness for October 8–27, 2026.

Recorded check status: not yet checked

Source and pinpoint
S003’s stated cutoff; S004 and S007 limitations. US Code +1
Confidence and boundary
Exact later-period hold; not evidence that the law changed.
S_SD-P2-C016 Saved research record

The fresh eCFR header is October 23 / last Title 16 amendment October 19.

Recorded check status: not yet checked

Source and pinpoint
S006, currency header. eCFR
Confidence and boundary
Does not identify an amendment to this particular clause; does not overwrite P01’s historical October 22 observation.
S_SD-P2-C017 Saved research record

Under the applicable rule, the customer must receive the required funds within seven business days of the request.

Recorded check status: not yet checked

Source and pinpoint
S006, §310.4(a)(5)(ii)(E). eCFR
Confidence and boundary
Request-to-receipt requirement, not a transfer-initiation deadline.
S_SD-P2-C018 Saved research record

The earned-funds exception requires compliance with (i)(A)–(C): qualifying customer-executed debt alteration, payment under that agreement, and applicable fee allocation.

Recorded check status: not yet checked

Source and pinpoint
S006, §310.4(a)(5)(i)(A)–(C), (ii)(E). eCFR
Confidence and boundary
A payment alone does not establish the exception.
S_SD-P2-C019 Saved research record

E03’s stipulated proportional calculation remains $800 allocated to A; $300 previously received; $500 remaining.

Recorded check status: not yet checked

Source and pinpoint
User-preserved E03 inputs; arithmetic below.
Confidence and boundary
Numeric consistency only; prior collection is stipulated to follow all required conditions.
S_SD-P2-C020 Saved research record

E03’s current account balance remains $1,700 + $500 = $2,200, with $0 administrator fee.

Recorded check status: not yet checked

Source and pinpoint
User-preserved E03 account snapshot.
Confidence and boundary
The previous $300 is not deducted again. No actual entitlement or debit authority adjudicated.

Sources, pinpoints and access limits

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.

S_SD-P2-S001 Saved research record

Office of the Attorney General—Records Retention and Destruction Schedule, South Dakota records-management program/Attorney General. https://www.sd.gov/sys_attachment.do?sys_id=e52847c71be68b14df4edb1de54bcb78

Recorded check status: not yet checked

Version/status
Memorandum dated July 30, 2026; AG-136 footer 07/2026. Pending qualification preserved.
Exact pinpoint and actual read bounds
Printed 87 / PDF index 111: AG-136 description, citation, retention language, footnote 42. Unnumbered memorandum / PDF index 2: heading/date. Both pages visually checked; not the entire 135-page schedule. South Dakota Official State Homepage +1
Direct source URLs
https://www.sd.gov/sys_attachment.do?sys_id=e52847c71be68b14df4edb1de54bcb78
S_SD-P2-S002 Saved research record

Office of the Attorney General—Fiscal Year 2027 Budget Brief Detail, official South Dakota legislative-hosted budget document. https://mylrc.sdlegislature.gov/api/Documents/Attachment/295234.pdf?Year=2026

Recorded check status: not yet checked

Version/status
FY2027 brief; displayed timestamp 1/4/2025, 10:39:47 AM. Not treated as an authenticated publication date.
Exact pinpoint and actual read bounds
Printed 15 / PDF index 14: performance header, debt-adjustment-bonds row, footer. Printed 1 / PDF index 0: Governor-budget caution. Both pages visually checked. My LRC +1
Direct source URLs
https://mylrc.sdlegislature.gov/api/Documents/Attachment/295234.pdf?Year=2026
S_SD-P2-S003 Saved research record

Selected Title 15 CROA section bodies, U.S. House Office of the Law Revision Counsel. §1679a, Definitions: https://uscode.house.gov/us/usc/119-118/t15/s1679a/ §1679b, Prohibited practices: https://uscode.house.gov/us/usc/119-118/t15/s1679b/ §1679d, Credit repair organizations contracts: https://uscode.house.gov/us/usc/119-118/t15/s1679d/ §1679e, Right to cancel contract: https://uscode.house.gov/us/usc/119-118/t15/s1679e/

Recorded check status: not yet checked

Version/status
Each body, notwithstanding the 119-118 URL component, states laws in effect through PL 119-120 (October 7, 2026). Later currency not established.
Exact pinpoint and actual read bounds
Read each currency header and §1679a(1)–(4), §1679b(b), §1679d(a)–(b), §1679e(a)–(c). HTML; page/index N/A. §1679b was reached through §1679a’s “Next” link; the d/e locators were directly opened and returned substantive bodies. US Code +3
Direct source URLs
https://uscode.house.gov/us/usc/119-118/t15/s1679a/
https://uscode.house.gov/us/usc/119-118/t15/s1679b/
https://uscode.house.gov/us/usc/119-118/t15/s1679d/
https://uscode.house.gov/us/usc/119-118/t15/s1679e/
S_SD-P2-S004 Saved research record

Chapter 41—Consumer Credit Protection—Front Matter, House OLRC. https://uscode.house.gov/us/usc/119-124/t15/chapter41-front.html

Recorded check status: not yet checked

Version/status
Successful retrieval of front matter, without a displayed currency statement. The path component is not adopted as legal-currentness evidence.
Exact pinpoint and actual read bounds
Chapter heading and section listing, including §§1679a–1679e; returned page checked for currency language. No operative section body or amendment bridge supplied by this page. HTML; page/index N/A. US Code +1
Direct source URLs
https://uscode.house.gov/us/usc/119-124/t15/chapter41-front.html
S_SD-P2-S005 Saved research record

2024 U.S. Code, Title 15, Chapter 41, Subchapter II–A—Credit Repair Organizations, GovInfo/GPO official annual-edition PDF. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf

Recorded check status: not yet checked

Version/status
2024 annual edition, not independently an October 2026 currency certification.
Exact pinpoint and actual read bounds
Printed 1552 / index 1: §1679a and §1679b(b). Printed 1553 / index 2: §1679d(a). Printed 1554 / index 3: §1679d(b), §1679e(a)–(c). Selected passages visually checked and compared with S003; adjacent provisions not adopted. GovInfo +2
Direct source URLs
https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf
S_SD-P2-S006 Saved research record

16 C.F.R. §310.4—Abusive telemarketing acts or practices, FTC regulation displayed by eCFR/OFR-GPO. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4

Recorded check status: not yet checked

Version/status
Authoritative but unofficial display. Header: through October 23, 2026; Title 16 last amended October 19, 2026.
Exact pinpoint and actual read bounds
Currency header; (a)(5)(i)(A)–(C) and (a)(5)(ii)(A)–(E), especially (ii)(E). HTML; page/index N/A. eCFR +1
Direct source URLs
https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4
S_SD-P2-S007 Saved research record

Attempted preliminary-edition House section pages—failure log, not substantive authority. §1679b: https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1679b+edition%3Aprelim%29 §1679d: https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1679d §1679e: https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1679e+edition%3Aprelim%29

Recorded check status: not yet checked

Version/status
All three newly attempted routes returned 404 Not Found. No text, edition currency, or legal change authenticated through them.
Exact pinpoint and actual read bounds
Search-discovered URLs were actually opened. No substantive body read. Snippets were not used to supply missing law or dates. No unchanged retry followed. Page/index N/A. (Invalid URL)
Direct source URLs
https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1679b+edition%3Aprelim%29
https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1679d
https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1679e+edition%3Aprelim%29

What was examined—and what is still missing

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.

coverage-1 Saved research record

AG-136 pending status

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim IDs
Answered correction; later approval unresolved. C001–C003.
Exact missing evidence or excluded inference
No final-approved generic AG-136 policy with authenticated approval/effective status was established. Provider-specific maintenance and permission are excluded.
Bounded next action
Preserve the qualification. No board-record or provider-file query. Reconsider only upon separately supplied or authorized final generic policy evidence.

Recorded coordinator check boundaries

coordinator acceptance
awaiting_first_scoped_review
coverage-2 Saved research record

FY2027 budget pinpoint

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim IDs
Answered. C004–C007.
Exact missing evidence or excluded inference
Nothing missing for the requested pinpoint repair. Final-budget correspondence and unique-provider/current-approval interpretations are not established and are outside this correction.
Bounded next action
Replace the locator; retain the figures and cautions. No provider-count arithmetic or entity inquiry.

Recorded coordinator check boundaries

coordinator acceptance
awaiting_first_scoped_review
coverage-3 Saved research record

CROA currentness

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim IDs
Partial. C008–C015.
Exact missing evidence or excluded inference
Missing: operative section-level or other official legal-update evidence accounting for the period after October 7 through October 27, including the claimed October 15 connection. Front matter and failed pages do not fill it.
Bounded next action
Keep that exact interval held. A later authorized check should target only the four selected statutory bodies and directly relevant official update evidence—not infer currency from a path, index, or snippet.

Recorded coordinator check boundaries

coordinator acceptance
awaiting_first_scoped_review
coverage-4 Saved research record

Dedicated-account request/receipt wording

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim IDs
Answered, conditionally applicable. C016–C020.
Exact missing evidence or excluded inference
No textual gap for the requested correction. Actual transaction facts, fee entitlement, debit authority, and calendar computation are excluded.
Bounded next action
Replace the temporal wording in §4.2/C029/E03. Preserve the same proportional method and existing legal holds; do not rerun the other seven examples.

Recorded coordinator check boundaries

coordinator acceptance
awaiting_first_scoped_review

Corrections, review and scope

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.

How to read the research →

No currently queued material correction is mapped to this component. This does not remove its currentness, access, jurisdiction or application limits.

Recorded review disposition

accepted with limits

Other components in this research series

Record integrity

Original saved Markdown SHA-256: d0728390485c3acf2ee4da235df810e2b78b25ae4863219cb656616f68f77f22. Public formatting, private-reference removal and correction annotations are separate from that immutable original.

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