Which place’s debt rules apply—and who can help?

SettleADebt — S_WY PASS-02

Wyoming agreements, disclosures, authority, and cancellation

Actual fresh source-access date: October 27, 2026, Pacific. Historical assignment baseline: October 22, 2026—not a current-verification date.

Scope: This pass addresses the agreement/cancellation remainder identified in the reviewed P01 coverage row. It does not reopen the entire provider-fee investigation or complete the Wyoming parent dossier. Source-currentness, actual-actor, actual-contract, authority, earning, sector, remedies, local/tribal, provider-status, publication, and A066 holds remain as stated below.

In this report, S001 means S_WY-P2-S001, and C001 means S_WY-P2-C001. The source and claim registers give the full identifiers.

Principal conclusions

There is no single Wyoming “debt-relief agreement” rule or universal three-day cancellation period. The applicable agreement requirements depend on the actual actor, service, compensation arrangement, sales channel, credit extension, representations, and authority granted.

The most consequential findings are these:

1. An agreement cannot authorize prohibited debt adjusting. Chapter 14 continues to prohibit covered, nonexcluded fee-based debt adjustment. Its text contains no special consumer agreement form, disclosure schedule, or cancellation procedure. That is a bounded observation about Chapter 14—not a conclusion that excluded actors have no other obligations. C001–C004. wyoleg.gov
2. Wyoming’s separate contingent-fee rules materially supplement Rule 1.5. They require signed duplicates, delivery and delivery-proof retention, explanation of the rules, substantial conformity to the prescribed agreement, and a three-calendar-day rescission provision. Their definition reaches compensation contingent in whole or part on successful accomplishment of the legal matter; it is not confined to personal-injury cases. The prescribed agreement is nevertheless recovery-oriented, and this pass does not validate an adaptation for debt-reduction or debt-defense work. C008–C013, C063. Wyoming Courts+1
3. Financing the provider’s own service fee can create a separate consumer-credit agreement problem. A counselor does not become a lender merely by negotiating debts or distributing payments. But a qualifying sale of the provider’s services on credit can trigger Wyoming’s UCCC and, independently, Regulation Z. Those provisions do not create permission to conduct a Chapter 14-prohibited business. C019–C022. Wyoming Legislature+1
4. Authority to negotiate, authority to bind, and federal fee entitlement are different questions. Wyoming agency law and a properly scoped power of attorney can authorize particular acts. But the FTC’s debt-relief rulemaking expressly rejects a standing preapproval clause or provider-executed power of attorney as a substitute for the customer’s execution of the specific settlement required for the TSR fee trigger. C043–C049, C053. Wyoming Legislature+2
5. Cancellation clocks must remain separate. Wyoming’s contingent-fee form uses calendar days; CROA and qualifying home-solicitation laws use business days; Regulation E uses a financial institution’s business days for stop-payment notice. Service termination does not itself rescind a creditor compromise, revoke every agency authorization, close a bank account, or terminate a court appearance. C013, C025, C030, C035, C058, C061. Wyoming Courts+3

A. Focused substantive findings

A1. Classify the actor and activity before selecting agreement language

Compact branch matrix

Sources: S001–S018; claims C001–C045, C050–C061. The branches can overlap; they are not mutually exclusive. Wyoming Legislature+4

Chapter 14: prohibition first, then exclusion

Fresh inspection of the complete operative chapter confirms that the statute does not prescribe a debt-adjustment agreement, mandatory list of creditors, repayment schedule, consumer signature block, disclosure delivery method, retention period, or cancellation notice. It instead defines the activity and excluded persons, prohibits the nonexcluded business, and supplies a criminal consequence. A contract provision describing the service as “authorized,” “legal,” or “noncustodial” does not change those statutory elements. C001–C004; S001, §§33-14-101–103. wyoleg.gov

The nonprofit exclusion requires the complete statutory description: tax-exempt nonprofit consumer credit counseling service. Chapter 14 does not define “tax exempt,” prescribe a recognition application, or say that every organization exempt under any tax provision qualifies. Federal §501(q), when applicable, is a separate tax-qualification rule—not a Wyoming operating authorization or approved consumer contract. Its requirements include tailored counseling, access despite inability to pay or unwillingness to enter a debt-management plan, reasonable/waivable fees, and restrictions on certain activities and financial relationships. No nonprofit-specific Wyoming agreement template was established in the sources read. C002, C005, C062. Wyoming Legislature+1

For lawyers, Chapter 14’s status-based exclusion names a Wyoming-admitted individual and an all-Wyoming-bar copartnership or professional corporation. Section 102(b) separately addresses debt adjusting incurred in the practice of law in Wyoming. Current Rule 10 permits additional law-practice business forms, subject to its conditions, but it does not amend Chapter 14’s exclusion wording. An LLC’s permissible law-practice form is therefore not, by itself, proof of the status exclusion; actual legal practice and the applicable statutory branch still matter. Rule 10 also contains a specific allowance for nonlawyer directors of a nonprofit corporation where professional judgment is not impaired; “every director must always be a lawyer” would overstate it. C003, C006, C074. Wyoming Legislature+2

A2. Lawyer agreement, communication, delivery, and termination requirements

Ordinary fee engagements

Rule 1.5 requires communication of the representation’s scope and the basis or rate of fees and expenses before or within a reasonable time after representation begins, except for a regularly represented client charged on the same basis or rate. The rule says preferably in writing; it does not turn every ordinary fee engagement into a mandatory signed written contract. Changes in the fee basis or rate must also be communicated. Reasonableness remains required. C007; S004, Rule 1.5(a)–(b). wyocourts.gov

A contingent fee is different. Rule 1.5(c) requires a client-signed writing stating the calculation method, applicable percentages at different stages, expenses, whether expenses are deducted before or after calculation, and expenses for which the client remains liable regardless of outcome. At conclusion, the lawyer must provide a written statement of the outcome and, where there is a recovery, the remittance and its calculation. C008. wyocourts.gov

Separate Wyoming contingent-fee rules

The separate Rules Governing Contingent Fees add requirements that cannot be omitted by relying only on Rule 1.5:

• Rule 4: written duplicates; the lawyer and each client sign; delivery or mailing of a signed duplicate to each client within a reasonable time; retention of a copy and delivery proof for three years after completion, settlement, or termination, whichever event first occurs.
• Rule 5(e): furnish and fully explain the contingent-fee rules at entry.
• Rule 6: substantial conformity to the prescribed agreement; changes to paragraphs I–XI that effectively change client rights have no force or effect unless sanctioned by the Wyoming district court that does or would have jurisdiction.
• Prescribed paragraph X: immediate effectiveness, but three calendar days from the agreement’s stated date to rescind by the specified written notice method.

The commercial-account-collection and insurance-subrogation exception in Rule 3 removes those usual-practice arrangements from Rules 4 and 5. It is not a general exception for representing a consumer debtor and does not, by its terms, erase Rule 6. C009–C013. Wyoming Courts+1

The prescribed form is substantially designed around recovery of a claim. Its percentage blanks and recovery-based presumptions are not verified debt-settlement fee caps. Adapting it to a savings-based defense engagement raises an unresolved form-conformity question; this pass does not approve that adaptation. C063. Wyoming Courts

Client control and termination

Rule 1.2 reserves the settlement decision to the client. Rule 1.4 requires consultation, sufficient explanation, and communication of material developments and decisions requiring informed consent. The comments recognize that a client may authorize specified action in advance, but that does not make every general retainer an unlimited settlement grant. C014. Wyoming Courts+1

Rule 1.8(f) conditions third-party payment on informed consent, independence, and confidentiality. Rule 1.8(g) requires each client’s informed consent for an aggregate settlement and disclosure of the existence and nature of all claims or pleas and each person’s participation. The Wyoming text read does not expressly add the ABA-model phrase “in a writing signed by the client” to paragraph (g); that language is not imported here. Other writing requirements may still apply. C015. Wyoming Courts+1

Discharge or withdrawal does not erase continuing obligations. Rule 1.16 requires protection of the client’s interests, reasonable notice, time to obtain other counsel, surrender of entitled papers/property, and refund of an unearned advance. A tribunal’s permission may be necessary, and a lawyer may have to continue when ordered. No universal numerical refund deadline appears in the professional provisions read. C016–C018. Wyoming Courts

The current Rule 1.15 text is the version labeled effective September 21, 2026, not the earlier version also printed in the compilation. It requires unearned advance fees to remain in trust until earned. The compilation records a July 21, 2026 amendment; the separate amendment order was not successfully retrieved, so the order’s complete contents are held. C017, C073. Wyoming Courts+1

A3. When Wyoming consumer-credit agreement rules actually attach

Counseling is not automatically credit extension

Under §40-14-204, a consumer credit sale requires, among other things, a seller regularly engaging in credit transactions of the same kind, a nonorganizational buyer, primarily personal/family/household purposes, and either installments or a credit service charge. For services, the state amount-financed ceiling is $75,000. The definition excludes specified lender-credit-card purchases unless brought within the act by the statutory agreement mechanism. “Services” and “sale of services” include furnishing or agreeing to furnish personal services. C019. Wyoming Legislature

The state installment definition and regular-engagement definition must be tested separately; recurring charges for newly supplied monthly services are not automatically installment financing of a previously incurred service debt. Nor does receiving payments for creditors automatically make the counselor the creditor on those debts. C019. Wyoming Legislature+1

The UCCC has its own territorial provisions, including certain Wyoming-resident transactions entered in Wyoming after advertising or offers into the state. It also restricts contrary governing-law, jurisdiction, and venue provisions when applicable. The exclusions read concern government credit, specified insurance transactions, and regulated utility/common-carrier transactions; they are not a blanket attorney or nonprofit exception. Registration for consumer credit sales, when required, remains separate from Chapter 14 permission. C020. Wyoming Legislature+1

Actual agreement consequences

For an applicable credit sale, §40-14-222(f) connects disclosure compliance to the federal Consumer Credit Protection Act. Regulation Z independently requires its own creditor/transaction predicates; the provider must not simply borrow disclosures from a lender’s loan. In an ordinary covered closed-end credit transaction, required disclosures are clear, conspicuous, retainable, and generally delivered before consummation. They concern the creditor, amount financed, applicable finance charge/APR, payments, total payments or sale price as applicable, and conditional default, security, insurance, prepayment, and other terms. There are specific exceptions, including a small-finance-charge APR exception; this is not an “every field always applies” checklist. C021–C022, C072. Wyoming Legislature+3

Additional state agreement limitations include nonwaiver, restrictions on noncheck negotiable instruments and assignments of earnings, referral-inducement arrangements, default-charge provisions, and a prohibition on authorization to confess judgment. These are conditional credit-sale limits, not universal debt-counseling clauses. C064–C070. Wyoming Legislature+3

Wyoming home-solicitation cancellation

A qualifying Wyoming home-solicitation sale is a consumer credit sale of at least $25 involving the specified personal solicitation and off-premises agreement. Exclusions include buyer-initiated transactions consummated entirely by telephone/mail, preexisting revolving accounts, and specified prior negotiations at a fixed business establishment. C023. Wyoming Legislature

The buyer ordinarily may cancel until midnight of the third business day after signing a compliant agreement or offer. Written notice goes to the seller at the stated address. Properly addressed, prepaid mailed notice is effective when deposited, and no special wording is necessary if the writing communicates the intention not to be bound. The statutory period does not run from a noncompliant document as though compliance had occurred. C024–C025. Wyoming Legislature+1

The emergency exception is factual: a buyer requests immediate performance because of an emergency and the seller in good faith substantially begins before cancellation; goods also must be nonreturnable in substantially their received condition. A generic waiver is not a substitute. C026. Wyoming Legislature

There is a material textual discrepancy:

• The mandated cancellation notice promises return within ten business days.
• The operative return provision, §40-14-254, says ten days without “business.”
• Section 40-14-255(c) denies compensation for services performed before a cancellation under this part.

No published Wyoming decision reconciling the ten-day wording was established. This report preserves both texts rather than silently substituting one for the other. C027. wyoleg.gov

A4. Conditional federal agreement and cancellation overlays

CROA: actual credit-improvement representations matter

CROA is not universally applicable to settlement or counseling. Its paid credit-improvement purpose, interstate-commerce/mails, consumer, and exclusion elements must be met. The statutory nonprofit exclusion concerns an organization exempt under §501(c)(3); that is not identical to Wyoming’s undefined “tax-exempt nonprofit consumer credit counseling service” description. The statute also contains specified creditor and institutional exclusions, but no blanket attorney exclusion. C031. US Code

When CROA applies, the organization must provide the complete separate statutory disclosure before execution, obtain and retain a signed acknowledgment for two years, enter a signed and dated written contract containing the required terms, provide copies at signing, and observe both the waiting period and cancellation right. The consumer’s right is measured in business days, notwithstanding the shorter “3rd day” wording printed in the statute’s cancellation-form subsection. Rights cannot be waived, and a noncomplying contract is not rendered enforceable by an electronic signature or a lawyer’s involvement. C032–C036. US Code+3

Fresh-route qualification: Sections 1679a–f were freshly read in OLRC bodies displaying laws through Public Law 119-134, October 20, 2026. Section 1679j was freshly read only through Public Law 119-124, October 15, 2026. This is not reuse of P01’s earlier bodies and is not certification of changes after those source dates.

TSR: disclosures before enrollment and specific settlement execution

For a covered debt-relief telemarketing transaction, the disclosure timing is before enrollment, not merely before the first fee. Material disclosures include total cost and restrictions, applicable refund/cancellation information, time to results, the required accumulation of funds for each creditor, risks of stopping payments when the service relies on that conduct, and specified dedicated-account ownership/exit information when such an account is required. C050–C051. eCFR+1

The debt-relief fee trigger requires the customer’s execution of the specific debt alteration and the required payment. The 2010 final rulemaking explains that execution may be oral or written, but a provider cannot substitute general advance approval or its own execution under a power of attorney. For a DMP, the relevant creditor agreements must actually bind the creditors; the provider’s own enrollment document is not their assent. C053. Federal Register+1

Where the dedicated-account provision applies, the customer must be able to leave the service without penalty and receive the account funds, less fees properly earned under the rule, within seven business days. That is not a universal three-day rescission rule and does not itself unwind a creditor settlement. C054, C061. eCFR

The current TSR record rule generally requires five years, with record-specific starting points. The older FTC business guide’s two-year discussion is not used as the current rule. The 2024 final rule and current §310.5 were checked for this distinction. C055. eCFR+1

Separate FTC Cooling-Off Rule

The federal rule is distinct from Wyoming’s credit-sale rule. It can reach qualifying cash or credit sales of consumer goods/services—at least $25 at the buyer’s residence or $130 at other covered locations—subject to the rule’s solicitation and exclusion conditions. Entirely mail/telephone transactions without other contact are excluded; the emergency exclusion requires its own buyer-authored written statement and waiver conditions. C028. eCFR

When applicable, the rule requires a dated receipt or contract copy, prescribed notice near the signature or on the receipt, duplicate cancellation forms, completion of the deadline and seller fields, and oral notice of the right at signing. Its “business day” definition excludes Sundays and federal holidays. Its refund period is ten business days after receipt of cancellation. C029–C030. eCFR+1

A5. Electronic assent, delivery, and retention

Wyoming UETA makes electronic records and signatures legally usable when its scope and agreement-to-transact-electronically conditions are met. Attribution still requires proof that the act was the person’s act; a typed name, checkbox, or credential does not prove authority by itself. Required records must be capable of retention at receipt, and a system that inhibits printing or storage can fail the delivery requirement. Other substantive content, timing, and prescribed delivery methods remain operative. C037–C039. Wyoming Legislature+2

Where E-SIGN’s consumer-disclosure provision applies to legally required writing, affirmative consent must follow the specified paper-option, withdrawal, scope, procedure, hardware/software, and access-demonstration disclosures. Withdrawal is prospective under the statute’s conditions; failure of the access-demonstration component alone is not automatically a declaration that the underlying contract is void. E-SIGN does not require consumers to accept electronic delivery. C040–C041. US Code

Neither UETA nor E-SIGN automatically converts a prescribed registered-mail rescission method into email. Nor does E-SIGN replace court-filing rules; court documents and specified notices are among its statutory exceptions. C039, C042. Wyoming Legislature+1

A6. Authority to negotiate, bind, receive, or release

Wyoming’s power-of-attorney statute recognizes an actual grant of authority in a writing or record. Execution generally requires the principal’s signature or a signature directed in the principal’s conscious presence. Acknowledgment creates a presumption of genuineness; it is not correct to say notarization is universally required for every power under §3-9-105. C043. Wyoming Legislature

A grant incorporating general authority over “claims and litigation” can include compromise, release, payment, receipt, and other enumerated acts under §3-9-212, unless limited by the instrument or other law. Thus, “a power of attorney can never authorize settlement” would also be incorrect. But a negotiation-only authorization is not automatically that broad grant; creditor assent is still necessary; and an otherwise prohibited confession-of-judgment clause is not rescued by the POA statute. C044, C069. Wyoming Legislature+1

Revocation, expiration, death, and other statutory events can terminate authority. The statute also protects certain good-faith acts without actual knowledge of termination; execution of a later power does not automatically revoke every earlier power. Acceptance of a power is not an obligation to enter the proposed underlying settlement. C045. Wyoming Legislature+1

The four published cases examined below support a fact-sensitive distinction: assent and authority may exist without the final formal document, but a signed document may also lack essential terms, and an attorney’s professional relationship does not itself prove authority for every disposition. C046–C049. OpenJurist+3

A7. Cancellation is object-specific

This separation is an inference from the distinct legal objects and triggers, not a newly discovered universal Wyoming cancellation statute. C016, C035, C045, C054, C057–C061. Wyoming Courts+4

B. Source register

All entries were freshly accessed on October 27, 2026, Pacific. “Current” below describes the retrieved source’s presentation, not an independently completed legislative or citator audit through that date. HTML sources have no printed/PDF page. For the legislative PDFs, no separate printed page number was visible in the cited portions; the listed numbers are zero-based PDF indices.

C. Claim register

Confidence terminology: “High—text” means the cited text clearly states the rule, subject to the source-currentness limits. “Conditional” means the rule is clear but actual applicability requires facts not supplied. “Held” identifies an unresolved interpretation or missing source.

C1. Actor and professional-agreement claims

C2. Credit-sale, solicitation, and credit-repair claims

C3. Electronic records, agency, and cases

C4. Federal authorization, cancellation separation, and additional agreement limits

D. Source-limited case comparison

Practical legal distinction established by these cases: proof of agency and assent is transaction-specific. Neither “the lawyer handled negotiations” nor “someone signed a document” conclusively establishes every needed authority or term. Conversely, the absence of a later formal signature is not always dispositive. This is a synthesis of the cited holdings, not a separate case rule.

E. Official agreement/form inventory and required notices

E1. Wyoming contingent-fee packet—complete field and provision inventory

Status: The packet was actually read in full. Rule6 makes substantial conformity material; this is not merely a private sample. The inventory below preserves the packet’s fields and provisions without presenting a modified debt-settlement agreement as approved. S007; C010–C013, C063. Wyoming Courts+1

Prescribed paragraph X:

“This agreement shall be effective immediately. However, the client shall have a period of three (3) calendar days from the date hereon to rescind by notice in writing postmarked by registered mail or actual delivery to the attorney before the end of the third day.”

The form’s recovery assumptions, medical release, and structured-settlement provisions are precisely why it should not be relabeled as a ready-made Wyoming debtor-side settlement agreement. Whether and how to adapt those provisions without changing protected client rights remains held.

E2. CROA—complete statutory disclosure and cancellation fields

Separate precontract disclosure

The following is the statutory notice read in §1679c(a), not a generalized summary of all current FCRA rights. It must remain separate from the contract and other written materials, with the signed acknowledgment retained as §1679c(c) requires. S008; C032. US Code

Consumer Credit File Rights Under State and Federal Law

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any “credit repair” company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file.

You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:

The Public Reference Branch Federal Trade Commission Washington, D.C. 20580

Contract fields and near-signature notice

Section1679d requires: payment terms, including all payments to the organization or any other person and total amount; full detailed services including guarantees; estimated completion date or period; organization name and principal business address; consumer signature and date; and this conspicuous bold statement immediately next to the signature space. C033. US Code

“You may cancel this contract without penalty or obligation at any time before midnight of the 3rd business day after the date on which you signed the contract. See the attached notice of cancellation form for an explanation of this right.”

Duplicate cancellation form

The statute requires the heading “Notice of Cancellation” and bold type:

You may cancel this contract, without any penalty or obligation, at any time before midnight of the 3rd day which begins after the date the contract is signed by you.

To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or any other written notice to [name of credit repair organization] at [address of credit repair organization] before midnight on [date].

I hereby cancel this transaction, [date] [purchaser’s signature].

The form’s “3rd day” wording does not erase §1679e(a)’s third-business-day right. Copies of the completed contract, disclosure and every other required signed document are due at signing. C034–C035. US Code

E3. Wyoming home-solicitation form

Mandatory only when §§40-14-251–253 apply. The agreement must use the principal oral-presentation language, show the actual signature date and seller’s name/address, and contain the near-signature notice. The cancellation form is completed in duplicate, boldface at least ten points, in the agreement’s language, attached and readily detachable. S002; C024. Wyoming Legislature

Near-signature caption: “Buyer’s right to cancel”

You, the buyer, may cancel this transaction at any time prior to 12:00 midnight of the third business day after the date of this transaction. See the attached notice of cancellation form for an explanation of this right.

“Notice of cancellation”

You may cancel this transaction without any penalty or obligation within three (3) business days from [enter date of transaction]. If you cancel, any property traded in, any payments made by you under the contract or sale and any negotiable instrument executed by you will be returned within ten (10) business days following receipt by the seller of your cancellation notice. Any security interest arising out of the transaction will be cancelled.

If you cancel, you must make available to the seller at your residence, in substantially as good condition as when received, any goods delivered to you under this contract or sale, or you may if you wish comply with the instructions of the seller regarding the return shipment of the goods at the seller’s expense and risk.

If you do make the goods available to the seller and the seller does not pick them up within twenty (20) days of the date of your notice of cancellation, you may retain or dispose of the goods without any further obligation. If you fail to make the goods available to the seller, or if you agree to return the goods to the seller and fail to do so, then you remain liable for performance of all obligations under the contract.

To cancel this transaction, mail or deliver a signed and dated copy of this cancellation notice or any other written notice, or send a telegram, to [name of seller], at [address of seller’s place of business] not later than 12:00 midnight of [date].

I hereby cancel this transaction. [Date] [Buyer’s signature]

This preserves the form’s ten-business-day wording while retaining the separate §254 ten-day operative-text hold.

E4. FTC Cooling-Off Rule form

Mandatory only under Part429’s federal predicate. At execution, the seller must provide the required contract/receipt and completed duplicate notices, in the applicable language and type size, and orally explain the cancellation right. The near-signature/front-receipt notice is:

You, the buyer, may cancel this transaction at any time prior to midnight of the third business day after the date of this transaction. See the attached notice of cancellation form for an explanation of this right.

The rule permits the specified placement variation while requiring a complete contract copy; “attached” must match the permitted placement. S015; C029. eCFR

NOTICE OF CANCELLATION or NOTICE OF RIGHT TO CANCEL [Enter transaction date]

You may CANCEL this transaction, without any Penalty or Obligation, within THREE BUSINESS DAYS from the above date.

If you cancel, any property traded in, any payments made by you under the contract or sale, and any negotiable instrument executed by you will be returned within TEN BUSINESS DAYS following receipt by the seller of your cancellation notice, and any security interest arising out of the transaction will be cancelled.

If you cancel, you must make available to the seller at your residence, in substantially as good condition as when received, any goods delivered to you under this contract or sale, or you may, if you wish, comply with the instructions of the seller regarding the return shipment of the goods at the seller’s expense and risk.

If you do make the goods available to the seller and the seller does not pick them up within 20 days of the date of your Notice of Cancellation, you may retain or dispose of the goods without any further obligation. If you fail to make the goods available to the seller, or if you agree to return the goods to the seller and fail to do so, then you remain liable for performance of all obligations under the contract.

To cancel this transaction, mail or deliver a signed and dated copy of this Cancellation Notice or any other written notice, or send a telegram, to [Name of seller], at [address of seller’s place of business] NOT LATER THAN MIDNIGHT OF [date].

I HEREBY CANCEL THIS TRANSACTION. [Date] [Buyer’s signature]

No actual cancellation date is filled here. The rule’s business-day definition is not automatically transplanted into CROA, Wyoming’s separate statute, or a bank’s Regulation E calendar.

F. Worked models and smaller failure postures

These are fictional classification exercises, not approved contracts or personal-action recommendations. They assume no undisclosed facts. No real holiday calendar or actual borrower/provider record was used.

Model 1 — A complete electronic contract cannot cure prohibited activity

Inputs/actor: A nonexcluded commercial company agrees, for debtor compensation, to negotiate principal reductions. It supplies a detailed PDF, a creditor list, electronic signature, cancellation clause, and payment schedule.

Sequence: Consumer receives and signs the documents; no creditor settlement yet exists.

Applicable clause: §§33-14-101(a)(ii)(A), -102(a).

Required classification: The activity is covered fee-based debt adjusting. Contract completeness is not an exclusion.

Conditional consequence: The agreement does not supply lawful market access. No “compliant agreement” conclusion follows from successful e-signature or delivery.

Missing evidence: An actual statutory exclusion or a materially different activity. This example assumes neither. C001–C004, C037–C039.

Model 2 — Excluded nonprofit, electronic assent, but defective delivery

Inputs/actor: Assume an organization actually qualifies as a tax-exempt nonprofit consumer credit counseling service. Assume no CROA-covered credit-improvement offering and no applicable TSR transaction have been established.

Sequence: The consumer agrees to electronic dealings. The organization displays an agreement behind a link that expires immediately after assent and disables saving and printing. The consumer receives only a payment confirmation.

Applicable clauses: UETA §§40-21-105, -107–109, -112; E-SIGN §7001(c) where legally required consumer writing is involved.

Required step: Determine which writing/delivery duty applies, obtain the required electronic consent where applicable, and furnish a record the consumer can retain at receipt.

Conditional consequence: Electronic assent may be attributable to the consumer while required delivery remains unsatisfied. Neither nonprofit status nor a click proves delivery. No universal three-day cancellation period is invented for this branch.

Missing evidence: Actual tax/service qualification; actual disclosures and consent flow; retention capability; whether CROA, a sales-channel rule, or credit-sale law attaches. Creditor assent to a DMP remains a separate missing fact. C002, C005, C037–C041, C053.

Model 3 — Lawyer contingent engagement: timely versus late rescission

Inputs/actor: Assume genuine authorized legal representation and a fee contingent on successful accomplishment. The agreement includes prescribed paragraph X without a sanctioned alteration.

Sequence A: On the first calendar day after the stated agreement date, the client actually delivers written rescission to the lawyer.

Result A: This is within the prescribed three-calendar-day period on the stated assumptions.

Sequence B: The first notice is actually delivered on the fifth calendar day afterward, with no earlier qualifying registered-mail postmark.

Result B: It is outside paragraph X’s ordinary three-calendar-day period on those assumptions. That does not eliminate the client’s ability to discharge counsel or the lawyer’s duty to refund unearned amounts.

Required steps: Apply Rule4 signing/delivery, Rule5(e) explanation, Rule6 conformity, paragraph X notice method, and Rule1.16 termination duties separately.

Missing evidence: Exact date and any applicable computation/extension rule; actual receipt/postmark; whether the fee arrangement is contingent; whether a debt-savings adaptation complies with Rule6; any separate CROA or solicitation right. No exact real-world deadline is certified. C009–C018, C063.

Model 4 — CROA-covered service: business-day clock and delivery

Inputs/actor: Assume a Wyoming-excluded lawyer provides a separate paid credit-improvement service satisfying CROA, with no statutory CROA exclusion.

Sequence: The consumer signs on event day B0. For this fictional example only, B1, B2 and B3 are stipulated to be the first three legally qualifying business days beginning afterward.

Required steps: Before B0 execution, give the separate §1679c disclosure. At signing, give the completed signed contract, duplicate cancellation notice, disclosure copy, and every other required signed document. Do not begin services before the statutory waiting period expires.

Timely branch: Signed written cancellation actually delivered to the organization before midnight of B3 is within §1679e(a).

Late branch: First delivery on B4 does not satisfy that ordinary three-business-day right merely because the document is called a “cancellation.” Other noncompliance or termination grounds are not decided.

Failure branch: The notice’s printed “3rd day” language is used to insert an earlier calendar-day deadline. That does not shorten the substantive business-day right.

Missing evidence: Actual CROA purpose, exclusion facts, governing business-day computation and holidays, document delivery, and any independent state right. C031–C036.

Model 5 — Negotiation authority, binding authority, and TSR execution

Inputs/actor: Assume an independently lawful provider. Debt balance is $10,000. A document authorizes the provider only to request offers and communicate information. A creditor offers settlement for $4,000.

Sequence A: The provider signs “accepted for the debtor” without a broader grant or debtor assent.

Classification: Negotiation authority alone does not establish authority to bind. The offer amount does not cure the missing grant.

Sequence B: Instead, assume a valid instrument grants general claims-and-litigation authority under §3-9-212, with no limiting language and continuing authority.

Classification: That grant can include compromise and release powers under Wyoming law, but creditor assent and all other transaction requirements still must exist.

Separate federal result: Even if an agency analysis could bind the principal, the provider cannot treat its own POA signature as the customer’s execution of the specific settlement for the TSR debt-relief fee trigger. The required consumer execution and payment must independently occur.

Missing evidence: Actual instrument, governing law, limitations, termination/knowledge facts, creditor acceptance, complete settlement terms, and specific customer execution. No fee is calculated or deemed earned. C043–C045, C046–C049, C053.

Model 6 — Unearned legal advance: same balance, no double deduction

Assumed valid engagement: Ordinary hourly legal representation; reasonable agreed rate $150/hour; no applicable federal advance-fee prohibition; no dispute about the work or its earning.

Inputs and sequence:

• Advance received: $1,200.00.
• First two hours actually earned: 2 × $150 = $300.00.
• That $300.00 was already withdrawn properly.
• Remaining trust balance: $1,200 − $300 = $900.00.
• One additional hour was actually earned before termination but not yet withdrawn: 1 × $150 = $150.00.

Reconciliation:

• Total actually earned: $300 + $150 = $450.00.
• Unearned amount: $1,200 − $450 = $750.00.
• From the current trust balance: $900 − $150 = $750.00 to refund.

The previously withdrawn $300 is not deducted again. Arithmetic does not establish that either block of work was earned; that is an explicit factual assumption. Rule1.16 also governs notice, files, and any tribunal permission. No numerical refund deadline is invented. C007, C016–C018, C073.

Model 7 — Provider’s own credit sale and overlapping solicitation rules

Inputs/actor: Assume genuine authorized legal services, no prohibited solicitation, and a seller that made 30 qualifying similar credit transactions in the preceding calendar year. A consumer buys a $600 service package for personal purposes under a written agreement requiring six $100 monthly payments. The provider personally solicits and obtains the agreement at the consumer’s home. No prior fixed-premises negotiations, emergency request, lender-credit-card purchase, or other stated exclusion exists.

Operators: 6 × $100 = $600 total payments. No finance charge is assumed. This arithmetic does not determine whether work has been earned.

Classification: The facts are designed to satisfy the relevant state credit-sale and installment predicates. Regulation Z’s independent creditor conditions must also be met. Wyoming home-solicitation requirements are implicated; the federal Cooling-Off Rule requires its own jurisdictional analysis.

Required steps: Applicable credit disclosures before consummation; state agreement and cancellation notices; federal notice duties if independently applicable. A zero finance charge does not eliminate every disclosure duty, but the APR exception must be considered rather than mechanically inserting every §1026.18 field.

Cancellation: A properly addressed, prepaid state cancellation mailed within the stipulated third-business-day period is effective on deposit. If the agreement never complied with the state notice requirements, the provider cannot simply claim that the ordinary clock expired.

Consequences: Section255(c) prevents compensation for services performed before cancellation under that part. Section254’s ten days and the prescribed form’s ten business days remain distinct; the federal rule independently says ten business days if applicable.

Missing evidence: Actual credit frequency, territory, contract, solicitation facts, registration compliance, legal-service authorization, federal jurisdiction, exact calendar, and reconciliation authority for the state ten-day discrepancy. C019–C030, C072.

Smaller supported failure postures

G. Coverage, gaps, and exact next investigations

G1. Assigned-question coverage

G2. Separate holds

G3. Contribution crosswalk

H. Failed routes, read limits, and researcher self-check

H1. Failed or incomplete source routes

H2. What was actually read

Complete within the stated unit: the operative Chapter14; the contingent-fee rules and all four attachments; the Rule10 amendment order; the listed CROA sections; §501(q); the relevant complete home-solicitation and Cooling-Off clauses/forms; Dameron’s and McCormick’s majority opinions.

Selected, not whole-document reads: Titles3 and40; the professional-rules compilation; the authorized-practice compilation; current TSR/Regulation E/Regulation Z provisions; E-SIGN’s exceptions; the 2010, 2024 and 2015 final rulemakings; McConnell and Cross.

PDF images: Relevant statutory, contingent-form, Rule10, case and Federal Register images were inspected. The failed current-Rule1.15 image request is separately disclosed rather than represented as successful.

Not reused as newly verified: P01’s historical exclusion-act dates, its original source currency, its model/provenance wording, or unprovided coordinator originals. The 1957 enactment remains unread here. No other state report supplies a legal premise.

Not done: No private records, provider contracts, named licenses, IRS/EIN status, borrower/account facts, docket-status queries, contacts, applications, filings, purchases, browser control, other chats, subagents, local writes, hashes, or publication. No comprehensive citator or independent review was performed.

Component conclusion

This pass establishes a conditional agreement framework, not a Wyoming-approved debt-relief contract:

• prohibited commercial activity remains prohibited;
• genuine excluded branches carry their own agreement and professional conditions;
• consumer-credit, solicitation, credit-repair, telemarketing, electronic-record, agency, and payment rules attach only on their actual predicates;
• signing, binding authority, delivery, earning, cancellation, and termination are separate legal questions;
• the identified source, interpretation, currentness, and broader-dossier gaps remain open.

END S_WY PASS-02.