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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.
Fresh access: October 24, 2026, Pacific Scope: Surgical correction of PASS-01 claims C010, C016, and C018 only. PASS-01’s calculations, examples, other findings, and unresolved holds remain unchanged. This is the same coordinator’s scoped correction, not an independent review.
For traceability, the stable PASS-01 IDs are shown with the coordinator’s shortened aliases.
| Stable PASS-01 claim ID | Full replacement wording | Replacement source and precise pinpoint | Confidence and limits |
|---|---|---|---|
| S_UT-P1-C010 — coordinator alias S_UT-C010 | Section 13-42-123(2) states the general rule that a provider may not impose charges or receive payment for debt-management services until the provider and individual sign an agreement complying with §§13-42-119 and 13-42-128. That rule must not be restated as an absolute requirement that every statutorily permitted fee always follows a signed agreement: §13-42-123(4)(d) contains an express, bounded branch for educational and counseling services when the individual does not assent to an agreement. That branch remains subject to its own dollar, Division-approval, adjustment, and §13-42-128(4) conditions. It does not create general permission for other preagreement charges. | S_UT-P1-S001, §13-42-123(1)–(2), (4)(a), and (4)(d)(i)–(ii), official PDF p.1. S_UT-P2-S001, §13-42-128(4), official PDF p.3 / PDF index 2. Utah Legislature+1 | High for the statutory text and correction of the universal phrasing. No conclusion is added regarding currently adjusted amounts, provider-specific Division permission, or compensation outside the express branches. |
| S_UT-P1-C016 — coordinator alias S_UT-C016 | Educational and counseling compensation is branch-specific. If an individual assents to an agreement, §13-42-123(3)(a) generally prohibits a fee for educational, counseling, or similar services except as otherwise provided in §123 and §13-42-128(4); §123(3)(b) separately permits the Division to authorize a fee based on the nature and extent of the services furnished. If the individual does not assent to an agreement, §123(4)(d) permits only the bounded educational-and-counseling fee described there: no more than the statutory $100 amount, subject to §13-42-132(6) adjustment, or a larger fee only with Division approval when the nature and extent of the services warrant it. Section 13-42-128(4) separately prohibits compensation for advising, arranging, or assisting an individual in obtaining an extension of credit or another service from a lender or service provider, subject to its exceptions for required government-sponsored counseling and compensation authorized under §123(4)(d). Those exceptions are not automatic authorization for every preagreement fee. A fee actually paid under §123(4)(d) is subject to the specific §123(5) refund rule if the individual assents to an agreement within the stated 90-day period; that refund rule is not a universal refund rule for every counseling-related charge. | S_UT-P1-S001, §13-42-123(3)(a)–(b), (4)(a), (4)(d)(i)–(ii), and (5), official PDF pp.1–2. S_UT-P2-S001, §13-42-128(4)(a)–(b), official PDF p.3 / PDF index 2. Utah Legislature+1 | High for the operative text. The exact currently adjusted dollar amount, any particular Division authorization, and the treatment of a specific service or contract remain held. |
| S_UT-P1-C018 — coordinator alias S_UT-C018 | Except as otherwise provided in §13-42-123(3) and (4), when an agreement contemplates settlement for less than principal, compensation for settlement services must be reasonable and clearly disclosed in the agreement, and a settlement fee may be collected only as the debt is settled. Section 123(6) therefore does not displace or relax the more specific §123(4)(c) settlement-performance, consumer-payment, and fee-allocation conditions. | S_UT-P1-S001, §13-42-123(4)(c)(i)–(iii) and (6)(a)–(b), official PDF pp.1–2. Utah Legislature+1 | High. Contract-specific reasonableness, provider authorization, and independently applicable federal timing remain unresolved. |
The controlling distinction is now explicit: §123(2) supplies the general signed-agreement rule; §123(4)(d) supplies a limited no-agreement counseling branch; and neither §123 nor §128 converts that branch into blanket preagreement fee permission. Utah Legislature+1
| Source ID | Document, literal URL, and version | PASS-02 use and actual check |
|---|---|---|
| S_UT-P1-S001 — reused; no duplicate document ID created | Utah Legislature, Utah Code §13-42-123, “Fees and other charges.” https://le.utah.gov/xcode/Title13/Chapter42/C13-42-S123_2026050620260506.pdf Effective May 6, 2026; two pages; amended by Chapter 95, 2026 General Session. | Freshly reopened and read in full for PASS-02. Relied on §123(1)–(2), §123(3)(a)–(b), §123(4)(a), §123(4)(c)–(d), §123(5), and §123(6). Both pages were also visually inspected. Utah Legislature+2 |
| S_UT-P2-S001 — new document ID | Utah Legislature, Utah Code §13-42-128, “Prohibited acts and practices.” https://le.utah.gov/xcode/Title13/Chapter42/C13-42-S128_2026050620260506.pdf Effective May 6, 2026; three pages; amended by Chapter 95, 2026 General Session. | Freshly opened and reviewed. Corrective reliance is limited to §128(4)(a)–(b), Utah Code p.3 / PDF index 2: the compensation prohibition and its two stated exceptions. The relevant page was visually inspected. Utah Legislature+1 |
No historical §128 document or FAQ cache result is treated as read evidence in PASS-02.
| Corrective claim ID | Corrective finding | Supporting authority |
|---|---|---|
| S_UT-P2-C001 | PASS-01 C010 was overbroad because §123(2)’s general agreement prerequisite must be read with the express no-agreement educational-and-counseling branch in §123(4)(d). The correction does not authorize any preagreement charge outside that bounded branch. | S_UT-P1-S001, §123(1)–(2), (4)(d); S_UT-P2-S001, §128(4). Utah Legislature+1 |
| S_UT-P2-C002 | The statute distinguishes: restrictions after assent under §123(3)(a); possible specific Division authorization under §123(3)(b); the no-agreement fee branch and larger-fee approval under §123(4)(d); and the separate subject-specific compensation prohibition and exceptions in §128(4). | S_UT-P1-S001, §123(3)(a)–(b), (4)(d); S_UT-P2-S001, §128(4)(a)–(b). Utah Legislature+1 |
| S_UT-P2-C003 | Section 123(5)’s 90-day refund applies specifically to a fee paid under §123(4)(d). It should not be described as applying to every educational, counseling, or similar fee under every branch. | S_UT-P1-S001, §123(5), official PDF p.2. Utah Legislature+1 |
| S_UT-P2-C004 | Section 123(6)’s reasonableness, disclosure, and “as the debt is settled” language is expressly qualified by §123(3) and (4), preserving §123(4)(c)’s specific settlement-fee conditions. | S_UT-P1-S001, §123(4)(c), (6), official PDF pp.1–2. Utah Legislature+2 |
| Affected PASS-01 coverage row | Corrected status and claim mapping | What changes | Holds that remain unchanged |
|---|---|---|---|
| Agreement, funds, bond, remedies | Agreement aspect: partial. Replace C010 with corrected S_UT-P1-C010; add S_UT-P2-C001–C002. The remaining funds, bond, and remedies scope stays excluded for later passes. | The general signed-agreement rule remains, but it is no longer expressed as universal across every permitted fee. The limited §123(4)(d) no-agreement counseling branch is expressly recognized. | Full agreement compliance under §§119 and 128; current exemption matrix; operative rules; provider-specific authority; contract interpretation; all non-agreement portions of the original row. |
| Counseling fee/refund | Partial. Replace C016 with corrected S_UT-P1-C016; preserve P1 C017; add S_UT-P2-C002–C003. | Separates the assent branch, Division authorization under §123(3)(b), no-agreement branch, larger-fee approval, §128(4) prohibition/exceptions, and the fee-specific §123(5) refund. | Exact currently adjusted amount; §132(6) notices; standards, records, or terms of any Division approval; provider-specific authorization; contract facts; government-sponsored-program application; other refunds or cancellation rights. |
| Current settlement allocation / compensation timing | Answered only as current statutory text, with unresolved operational overlays. Replace C018 with corrected S_UT-P1-C018; preserve C013–C015; add S_UT-P2-C004. | Preserves the opening qualification in §123(6): “except as otherwise provided” in subsections (3) and (4). Section 123(6) cannot be used to bypass §123(4)(c). | Federal TSR timing and coverage; CROA overlap; contract-specific reasonableness and disclosures; provider registration; actual settlement facts; cases and administrative interpretations. |
| Every other PASS-01 coverage row | Unchanged. | No new finding or implied acceptance. | Current definitions and exemptions; remote-provider nexus; R152-42 and its adoption history; exact adjusted fees; actual provider status; registry verification; full contracts; federal law; cases; currentness beyond the two checked PDFs; local and tribal issues; and every other Utah or cross-state category remain open. |
Freshly read for PASS-02
Reused
Provided or referenced but not treated as read evidence
Not investigated in this bounded correction
No search or conclusion was added concerning adjusted amounts or CPI calculations, §132(6) notices, current exemptions, R152-42, provider registration status, provider contracts, federal TSR or CROA permission, cases, local or tribal law, or other Utah dossier categories. All corresponding PASS-01 holds remain intact.
No independent-review claim, application, contact, account change, browser control, local write, publication action, or launch-readiness determination was made.
END S_UT PASS-02
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.
Stable PASS-01 claim ID · Full replacement wording · Replacement source and precise pinpoint · 3 data rows
| Stable PASS-01 claim ID | Full replacement wording | Replacement source and precise pinpoint | Confidence and limits |
|---|---|---|---|
| S_UT-P1-C010 — coordinator alias S_UT-C010 | Section 13-42-123(2) states the general rule that a provider may not impose charges or receive payment for debt-management services until the provider and individual sign an agreement complying with §§13-42-119 and 13-42-128. That rule must not be restated as an absolute requirement that every statutorily permitted fee always follows a signed agreement: §13-42-123(4)(d) contains an express, bounded branch for educational and counseling services when the individual does not assent to an agreement. That branch remains subject to its own dollar, Division-approval, adjustment, and §13-42-128(4) conditions. It does not create general permission for other preagreement charges. | S_UT-P1-S001, §13-42-123(1)–(2), (4)(a), and (4)(d)(i)–(ii), official PDF p.1. S_UT-P2-S001, §13-42-128(4), official PDF p.3 / PDF index 2. Utah Legislature +1 | High for the statutory text and correction of the universal phrasing. No conclusion is added regarding currently adjusted amounts, provider-specific Division permission, or compensation outside the express branches. |
| S_UT-P1-C016 — coordinator alias S_UT-C016 | Educational and counseling compensation is branch-specific. If an individual assents to an agreement, §13-42-123(3)(a) generally prohibits a fee for educational, counseling, or similar services except as otherwise provided in §123 and §13-42-128(4); §123(3)(b) separately permits the Division to authorize a fee based on the nature and extent of the services furnished. If the individual does not assent to an agreement, §123(4)(d) permits only the bounded educational-and-counseling fee described there: no more than the statutory $100 amount, subject to §13-42-132(6) adjustment, or a larger fee only with Division approval when the nature and extent of the services warrant it. Section 13-42-128(4) separately prohibits compensation for advising, arranging, or assisting an individual in obtaining an extension of credit or another service from a lender or service provider, subject to its exceptions for required government-sponsored counseling and compensation authorized under §123(4)(d). Those exceptions are not automatic authorization for every preagreement fee. A fee actually paid under §123(4)(d) is subject to the specific §123(5) refund rule if the individual assents to an agreement within the stated 90-day period; that refund rule is not a universal refund rule for every counseling-related charge. | S_UT-P1-S001, §13-42-123(3)(a)–(b), (4)(a), (4)(d)(i)–(ii), and (5), official PDF pp.1–2. S_UT-P2-S001, §13-42-128(4)(a)–(b), official PDF p.3 / PDF index 2. Utah Legislature +1 | High for the operative text. The exact currently adjusted dollar amount, any particular Division authorization, and the treatment of a specific service or contract remain held. |
| S_UT-P1-C018 — coordinator alias S_UT-C018 | Except as otherwise provided in §13-42-123(3) and (4), when an agreement contemplates settlement for less than principal, compensation for settlement services must be reasonable and clearly disclosed in the agreement, and a settlement fee may be collected only as the debt is settled. Section 123(6) therefore does not displace or relax the more specific §123(4)(c) settlement-performance, consumer-payment, and fee-allocation conditions. | S_UT-P1-S001, §13-42-123(4)(c)(i)–(iii) and (6)(a)–(b), official PDF pp.1–2. Utah Legislature +1 | High. Contract-specific reasonableness, provider authorization, and independently applicable federal timing remain unresolved. |
Source ID · Document, literal URL, and version · PASS-02 use and actual check · 2 data rows
| Source ID | Document, literal URL, and version | PASS-02 use and actual check |
|---|---|---|
| S_UT-P1-S001 — reused; no duplicate document ID created | Utah Legislature, Utah Code §13-42-123, “Fees and other charges.” https://le.utah.gov/xcode/Title13/Chapter42/C13-42-S123_2026050620260506.pdf Effective May 6, 2026; two pages; amended by Chapter 95, 2026 General Session. | Freshly reopened and read in full for PASS-02. Relied on §123(1)–(2), §123(3)(a)–(b), §123(4)(a), §123(4)(c)–(d), §123(5), and §123(6). Both pages were also visually inspected. Utah Legislature +2 |
| S_UT-P2-S001 — new document ID | Utah Legislature, Utah Code §13-42-128, “Prohibited acts and practices.” https://le.utah.gov/xcode/Title13/Chapter42/C13-42-S128_2026050620260506.pdf Effective May 6, 2026; three pages; amended by Chapter 95, 2026 General Session. | Freshly opened and reviewed. Corrective reliance is limited to §128(4)(a)–(b), Utah Code p.3 / PDF index 2: the compensation prohibition and its two stated exceptions. The relevant page was visually inspected. Utah Legislature +1 |
Corrective claim ID · Corrective finding · Supporting authority · 4 data rows
| Corrective claim ID | Corrective finding | Supporting authority |
|---|---|---|
| S_UT-P2-C001 | PASS-01 C010 was overbroad because §123(2)’s general agreement prerequisite must be read with the express no-agreement educational-and-counseling branch in §123(4)(d). The correction does not authorize any preagreement charge outside that bounded branch. | S_UT-P1-S001, §123(1)–(2), (4)(d); S_UT-P2-S001, §128(4). Utah Legislature +1 |
| S_UT-P2-C002 | The statute distinguishes: restrictions after assent under §123(3)(a); possible specific Division authorization under §123(3)(b); the no-agreement fee branch and larger-fee approval under §123(4)(d); and the separate subject-specific compensation prohibition and exceptions in §128(4). | S_UT-P1-S001, §123(3)(a)–(b), (4)(d); S_UT-P2-S001, §128(4)(a)–(b). Utah Legislature +1 |
| S_UT-P2-C003 | Section 123(5)’s 90-day refund applies specifically to a fee paid under §123(4)(d). It should not be described as applying to every educational, counseling, or similar fee under every branch. | S_UT-P1-S001, §123(5), official PDF p.2. Utah Legislature +1 |
| S_UT-P2-C004 | Section 123(6)’s reasonableness, disclosure, and “as the debt is settled” language is expressly qualified by §123(3) and (4), preserving §123(4)(c)’s specific settlement-fee conditions. | S_UT-P1-S001, §123(4)(c), (6), official PDF pp.1–2. Utah Legislature +2 |
Affected PASS-01 coverage row · Corrected status and claim mapping · What changes · 4 data rows
| Affected PASS-01 coverage row | Corrected status and claim mapping | What changes | Holds that remain unchanged |
|---|---|---|---|
| Agreement, funds, bond, remedies | Agreement aspect: partial. Replace C010 with corrected S_UT-P1-C010; add S_UT-P2-C001–C002. The remaining funds, bond, and remedies scope stays excluded for later passes. | The general signed-agreement rule remains, but it is no longer expressed as universal across every permitted fee. The limited §123(4)(d) no-agreement counseling branch is expressly recognized. | Full agreement compliance under §§119 and 128; current exemption matrix; operative rules; provider-specific authority; contract interpretation; all non-agreement portions of the original row. |
| Counseling fee/refund | Partial. Replace C016 with corrected S_UT-P1-C016; preserve P1 C017; add S_UT-P2-C002–C003. | Separates the assent branch, Division authorization under §123(3)(b), no-agreement branch, larger-fee approval, §128(4) prohibition/exceptions, and the fee-specific §123(5) refund. | Exact currently adjusted amount; §132(6) notices; standards, records, or terms of any Division approval; provider-specific authorization; contract facts; government-sponsored-program application; other refunds or cancellation rights. |
| Current settlement allocation / compensation timing | Answered only as current statutory text, with unresolved operational overlays. Replace C018 with corrected S_UT-P1-C018; preserve C013–C015; add S_UT-P2-C004. | Preserves the opening qualification in §123(6): “except as otherwise provided” in subsections (3) and (4). Section 123(6) cannot be used to bypass §123(4)(c). | Federal TSR timing and coverage; CROA overlap; contract-specific reasonableness and disclosures; provider registration; actual settlement facts; cases and administrative interpretations. |
| Every other PASS-01 coverage row | Unchanged. | No new finding or implied acceptance. | Current definitions and exemptions; remote-provider nexus; R152-42 and its adoption history; exact adjusted fees; actual provider status; registry verification; full contracts; federal law; cases; currentness beyond the two checked PDFs; local and tribal issues; and every other Utah or cross-state category remain open. |
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: checked with limits in separate scoped review
Recorded check status: checked with limits in separate scoped review
Recorded check status: checked with limits in separate scoped review
Recorded check status: checked with limits in separate scoped review
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: prior recent primary parsedtext reused with limits;see scopedreview
Recorded check status: prior recent primary parsedtext reused with limits;see scopedreview
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
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.
accepted with limits
Original saved Markdown SHA-256: b465d9f4a383706dd819bfe749330fcc6961d984f8220eddca1cf1c9393b0d9a. Public formatting, private-reference removal and correction annotations are separate from that immutable original.