PASS-03 C027 must use the statute’s inclusive phrase “within five days,” not “<5.”
Recorded check status: not yet checked
- Sources and pinpoints
- P5-S001, § 6.2-2014(1)(v)(a)
- Status and limit
- Corrected; high confidence. Virginia Law
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Actual fresh access date: October 24, 2026, Pacific Scope: corrections to S_VA-P3-C027, C022, and C032 only.
PASS-03 remains otherwise unchanged. PASS-04 has not yet been coordinator-reviewed and is not treated here as resolving any substantive hold. No fee-permission search, case-law search, amendment-history investigation, or new example was performed.
| Original PASS-03 claim | Required correction | Replacement claim text |
|---|---|---|
| S_VA-P3-C027 | The material claim table abbreviated the first refund window as “<5,” incorrectly excluding the fifth day. | A DMP agreement must provide that, upon termination, the consumer receives all funds not disbursed to creditors and either: (a) all fees paid if the agreement is terminated within five days after consumer execution; or (b) all fees paid less the setup fee if terminated more than five but less than 31 days after consumer execution. “Within five days” must not be restated as “less than five days.” The return of undisbursed creditor money remains distinct from the fee-refund calculation. |
| S_VA-P3-C022 | The standalone claim omitted the express exception to the standard-form separate-consent rule. | Virginia UETA applies only where each party has agreed to transact electronically. Except for a separate and optional agreement whose primary purpose is authorizing an electronic transaction, an electronic-consent term in a standard-form contract must be conspicuously displayed and separately consented to. |
| S_VA-P3-C032 | The original explanation risked treating all § 1-210 extension provisions as categorically limited to judicial or government acts. | The exact private DMP-cancellation weekend/holiday endpoint remains held. Section 1-210(B) has a judicial-proceeding scope; subsection C concerns statutory maximum periods for bringing legal actions; and subsection E must be evaluated under its own wording. These provisions do not, on the present bounded research, establish either an automatic extension or a categorical no-extension rule for a private DMP cancellation notice. Section 1-210(A)’s exclusion of the triggering-event day remains a separate rule. |
S_VA-P3-C027 — corrected, original ID retained
A DMP agreement must state that, upon termination, the consumer is entitled to a refund of all funds not disbursed to creditors and either:
The first category includes the statutory fifth day; it must not be abbreviated as “<5.” The return of undisbursed creditor-payment money is a separate component of the consumer’s entitlement and is not collapsed into the fee-refund calculation. Virginia Law
The PASS-03 coverage-table row for “DMP termination and fee-refund windows” is corrected to:
Answered textually: all undisbursed creditor-payment funds are returnable upon termination; the first fee-refund category applies when termination occurs within five days, and the second applies when termination occurs more than five but less than 31 days after consumer execution.
The existing PASS-03 narrative used “within five days” and therefore requires no substantive change.
The existing cancellation example already assumed that the cancellation fell “within the statutory first-five-day fee-refund category.” Its arithmetic is unchanged. No new example is supplied.
The following remain unchanged:
S_VA-P3-C022 — corrected, original ID retained
Virginia UETA applies only to transactions where each party has agreed to transact electronically, with agreement determined from context and surrounding circumstances. An electronic-consent term generally may not be placed in a standard-form contract unless it is conspicuously displayed and separately consented to. The statute expressly excepts a separate and optional agreement whose primary purpose is to authorize a transaction to be conducted electronically. Consent also may not be inferred solely from a party’s prior electronic payment of an account or electronic warranty registration. Virginia Law
This correction preserves the exception already stated in PASS-03’s narrative and ensures that the standalone claim row cannot be read as eliminating it.
S_VA-P3-C032 — corrected qualification, original ID retained
The exact weekend or holiday endpoint for a private DMP cancellation remains unresolved.
Section 1-210(A) separately provides that, when an act of the General Assembly or rule of court requires an act within a prescribed period after an event or judgment, the event or judgment day is not counted against the allowed period.
The possible extension provisions have distinct wording and scopes:
This bounded correction does not determine that any one of those extension provisions necessarily applies—or necessarily does not apply—to a private consumer’s DMP cancellation notice. No exact calendar endpoint should be stated without the applicable execution date, notice facts, contractual mechanics, and additional controlling authority. Virginia Law
This replaces any implication that all § 1-210 extension provisions are categorically limited to judicial or government acts.
| Source ID | Issuer and title | Direct literal URL | Exact clause freshly read | Status, access, and limitation |
|---|---|---|---|---|
| S_VA-P5-S001 | Virginia General Assembly — Code § 6.2-2014, Required and prohibited business methods | https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2014/ | Subdivision 1(v), especially clauses (a) and (b): undisbursed creditor funds, “within five days,” and “more than five but less than 31 days.” | Current posted codified statute dated October 24, 2026; freshly read October 24, 2026. It does not resolve whether properly incurred § 6.2-2016 reimbursements are “fees paid.” Virginia Law |
| S_VA-P5-S002 | Virginia General Assembly — Code § 59.1-483, Use of electronic records and electronic signatures; variation by agreement | https://law.lis.virginia.gov/vacode/title59.1/chapter42.1/section59.1-483/ | Subsection (b): party agreement, standard-form conspicuous/separate consent, and the separate-optional-agreement exception. | Current posted codified statute dated October 24, 2026; freshly read October 24, 2026. No broader E-SIGN or contract-case-law investigation was undertaken. Virginia Law |
| S_VA-P5-S003 | Virginia General Assembly — Code § 1-210, Computation of time | https://law.lis.virginia.gov/vacode/title1/chapter2.1/section1-210/ | Subsections A, B, C, and E. | Current posted codified statute dated October 24, 2026; freshly read October 24, 2026. This source alone does not settle the private DMP-cancellation weekend/holiday endpoint. Virginia Law |
| Claim ID | Corrective assertion | Sources and pinpoints | Status and limit |
|---|---|---|---|
| S_VA-P5-C001 | PASS-03 C027 must use the statute’s inclusive phrase “within five days,” not “<5.” | P5-S001, § 6.2-2014(1)(v)(a) | Corrected; high confidence. Virginia Law |
| S_VA-P5-C002 | The second fee-refund category applies when termination occurs more than five but less than 31 days after execution. | P5-S001, § 6.2-2014(1)(v)(b) | Corrected; high confidence. Virginia Law |
| S_VA-P5-C003 | Return of all funds not disbursed to creditors is a distinct termination entitlement from the two fee-refund alternatives. | P5-S001, § 6.2-2014(1)(v) | Retained; high confidence. Virginia Law |
| S_VA-P5-C004 | C022 must retain the exception for a separate, optional agreement whose primary purpose is authorizing electronic transactions. | P5-S002, § 59.1-483(b) | Corrected; high confidence. Virginia Law |
| S_VA-P5-C005 | Section 1-210(B), C, and E have different textual scopes and cannot be collapsed into a categorical judicial/government-only description. | P5-S003, § 1-210(B), (C), and (E) | Corrected qualification; high confidence as to text. Virginia Law |
| S_VA-P5-C006 | The private DMP-cancellation weekend/holiday endpoint remains unresolved; this correction establishes neither automatic extension nor automatic nonextension. | P5-S003, § 1-210(A), (B), (C), and (E) | Held. No new case-law research performed. Virginia Law |
| S_VA-P5-C007 | Section 1-210(A)’s exclusion of the triggering-event day remains analytically separate from whether any later weekend/holiday extension applies. | P5-S003, § 1-210(A) | Retained with qualification. Virginia Law |
| PASS-05 item | Status | Affected original claim | Exact disposition |
|---|---|---|---|
| First DMP fee-refund window | Corrected | S_VA-P3-C027 | Replace “<5” with “within five days.” Day five is not excluded by the claim wording. |
| Second DMP fee-refund window | Confirmed | S_VA-P3-C027 | Retain “more than five but less than 31 days.” |
| Undisbursed creditor money | Unchanged | S_VA-P3-C027/C028 | Remains distinct from fee refunds. |
| Properly incurred § 6.2-2016 reimbursement refund | Still unresolved | PASS-02 C009; PASS-03 C027 qualification | No refund or nonrefund conclusion added. |
| Standard-form electronic-consent exception | Restored expressly | S_VA-P3-C022 | Retain the separate-and-optional-agreement exception. |
| Triggering-day exclusion | Unchanged but kept separate | PASS-03 C030 | Section 1-210(A) remains the cited starting-day rule. |
| Weekend/holiday endpoint | Still unresolved | S_VA-P3-C032 | No automatic extension or categorical no-extension conclusion. |
| Refund-delivery deadline | Still unresolved | PASS-03 C033 | No deadline invented. |
| PASS-02 later-debt fee timing | Open | PASS-02 C001 | Not researched here. |
| PASS-02 independent-account-charge treatment | Open | PASS-02 C004 | Not researched here. |
| Trust-account reconciliation cadence | Open | PASS-03 C048 | Not researched here. |
| Full amendment and controlling-case history | Open | — | No new historical or judicial investigation performed. |
| Wider Virginia dossier and A066 | Open | — | No state completion, acceptance, or publication-readiness implication. |
No new fee example, refund-delivery deadline, or calendar-endpoint example is supplied. The original claim IDs and historical model provenance remain unchanged. This addendum is not independent review.
END S_VA PASS-05.
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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.
Original PASS-03 claim · Required correction · Replacement claim text · 3 data rows
| Original PASS-03 claim | Required correction | Replacement claim text |
|---|---|---|
| S_VA-P3-C027 | The material claim table abbreviated the first refund window as “<5,” incorrectly excluding the fifth day. | A DMP agreement must provide that, upon termination, the consumer receives all funds not disbursed to creditors and either: (a) all fees paid if the agreement is terminated within five days after consumer execution; or (b) all fees paid less the setup fee if terminated more than five but less than 31 days after consumer execution. “Within five days” must not be restated as “less than five days.” The return of undisbursed creditor money remains distinct from the fee-refund calculation. |
| S_VA-P3-C022 | The standalone claim omitted the express exception to the standard-form separate-consent rule. | Virginia UETA applies only where each party has agreed to transact electronically. Except for a separate and optional agreement whose primary purpose is authorizing an electronic transaction, an electronic-consent term in a standard-form contract must be conspicuously displayed and separately consented to. |
| S_VA-P3-C032 | The original explanation risked treating all § 1-210 extension provisions as categorically limited to judicial or government acts. | The exact private DMP-cancellation weekend/holiday endpoint remains held. Section 1-210(B) has a judicial-proceeding scope; subsection C concerns statutory maximum periods for bringing legal actions; and subsection E must be evaluated under its own wording. These provisions do not, on the present bounded research, establish either an automatic extension or a categorical no-extension rule for a private DMP cancellation notice. Section 1-210(A)’s exclusion of the triggering-event day remains a separate rule. |
Source ID · Issuer and title · Direct literal URL · 3 data rows
| Source ID | Issuer and title | Direct literal URL | Exact clause freshly read | Status, access, and limitation |
|---|---|---|---|---|
| S_VA-P5-S001 | Virginia General Assembly — Code § 6.2-2014, Required and prohibited business methods | https://law.lis.virginia.gov/vacode/title6.2/chapter20/section6.2-2014/ | Subdivision 1(v), especially clauses (a) and (b): undisbursed creditor funds, “within five days,” and “more than five but less than 31 days.” | Current posted codified statute dated October 24, 2026; freshly read October 24, 2026. It does not resolve whether properly incurred § 6.2-2016 reimbursements are “fees paid.” Virginia Law |
| S_VA-P5-S002 | Virginia General Assembly — Code § 59.1-483, Use of electronic records and electronic signatures; variation by agreement | https://law.lis.virginia.gov/vacode/title59.1/chapter42.1/section59.1-483/ | Subsection (b): party agreement, standard-form conspicuous/separate consent, and the separate-optional-agreement exception. | Current posted codified statute dated October 24, 2026; freshly read October 24, 2026. No broader E-SIGN or contract-case-law investigation was undertaken. Virginia Law |
| S_VA-P5-S003 | Virginia General Assembly — Code § 1-210, Computation of time | https://law.lis.virginia.gov/vacode/title1/chapter2.1/section1-210/ | Subsections A, B, C, and E. | Current posted codified statute dated October 24, 2026; freshly read October 24, 2026. This source alone does not settle the private DMP-cancellation weekend/holiday endpoint. Virginia Law |
Claim ID · Corrective assertion · Sources and pinpoints · 7 data rows
| Claim ID | Corrective assertion | Sources and pinpoints | Status and limit |
|---|---|---|---|
| S_VA-P5-C001 | PASS-03 C027 must use the statute’s inclusive phrase “within five days,” not “<5.” | P5-S001, § 6.2-2014(1)(v)(a) | Corrected; high confidence. Virginia Law |
| S_VA-P5-C002 | The second fee-refund category applies when termination occurs more than five but less than 31 days after execution. | P5-S001, § 6.2-2014(1)(v)(b) | Corrected; high confidence. Virginia Law |
| S_VA-P5-C003 | Return of all funds not disbursed to creditors is a distinct termination entitlement from the two fee-refund alternatives. | P5-S001, § 6.2-2014(1)(v) | Retained; high confidence. Virginia Law |
| S_VA-P5-C004 | C022 must retain the exception for a separate, optional agreement whose primary purpose is authorizing electronic transactions. | P5-S002, § 59.1-483(b) | Corrected; high confidence. Virginia Law |
| S_VA-P5-C005 | Section 1-210(B), C, and E have different textual scopes and cannot be collapsed into a categorical judicial/government-only description. | P5-S003, § 1-210(B), (C), and (E) | Corrected qualification; high confidence as to text. Virginia Law |
| S_VA-P5-C006 | The private DMP-cancellation weekend/holiday endpoint remains unresolved; this correction establishes neither automatic extension nor automatic nonextension. | P5-S003, § 1-210(A), (B), (C), and (E) | Held. No new case-law research performed. Virginia Law |
| S_VA-P5-C007 | Section 1-210(A)’s exclusion of the triggering-event day remains analytically separate from whether any later weekend/holiday extension applies. | P5-S003, § 1-210(A) | Retained with qualification. Virginia Law |
PASS-05 item · Status · Affected original claim · 13 data rows
| PASS-05 item | Status | Affected original claim | Exact disposition |
|---|---|---|---|
| First DMP fee-refund window | Corrected | S_VA-P3-C027 | Replace “<5” with “within five days.” Day five is not excluded by the claim wording. |
| Second DMP fee-refund window | Confirmed | S_VA-P3-C027 | Retain “more than five but less than 31 days.” |
| Undisbursed creditor money | Unchanged | S_VA-P3-C027/C028 | Remains distinct from fee refunds. |
| Properly incurred § 6.2-2016 reimbursement refund | Still unresolved | PASS-02 C009; PASS-03 C027 qualification | No refund or nonrefund conclusion added. |
| Standard-form electronic-consent exception | Restored expressly | S_VA-P3-C022 | Retain the separate-and-optional-agreement exception. |
| Triggering-day exclusion | Unchanged but kept separate | PASS-03 C030 | Section 1-210(A) remains the cited starting-day rule. |
| Weekend/holiday endpoint | Still unresolved | S_VA-P3-C032 | No automatic extension or categorical no-extension conclusion. |
| Refund-delivery deadline | Still unresolved | PASS-03 C033 | No deadline invented. |
| PASS-02 later-debt fee timing | Open | PASS-02 C001 | Not researched here. |
| PASS-02 independent-account-charge treatment | Open | PASS-02 C004 | Not researched here. |
| Trust-account reconciliation cadence | Open | PASS-03 C048 | Not researched here. |
| Full amendment and controlling-case history | Open | — | No new historical or judicial investigation performed. |
| Wider Virginia dossier and A066 | Open | — | No state completion, acceptance, or publication-readiness implication. |
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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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
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
Inside: A. Substantive findings · 1. Classification follows the conduct, funds arrangement, and customer—not the marketing label · 3. Consumer fee bases, ceilings, additional charges, and currentness
Inside: Bottom line · 1. Later debt settled without its own creditor payment · What Virginia actually says
Inside: 1. Mandatory agreement form, execution, disclosures, promises, warnings, prohibited terms · A2. Debt-settlement agreement — Chapter 20.1 · A3. Settlement agreement formatting and readability
Inside: A. Exact narrative-to-canonical-claim map · Exact identity corrections · B1. Replacement for PASS-02 narrative § 2, “Current conclusion”
Original saved Markdown SHA-256: 9aaae2d0767aeb15bba116a45c75759fee70508a67bb7e405b210cb456c523ac. Public formatting, private-reference removal and correction annotations are separate from that immutable original.