Nothing publishes claiming 501(c)(3), CHDO, property ownership, or active housing programs until every checkbox on this sheet is documented on file.
⚠ Absolute rule. Public claims of nonprofit status, CHDO certification, active housing counseling, or property control are legally-sensitive claims. Nothing publishes without the IRS letter, board records, and program documentation attached.
Entity & Governance
Legal Name FiledNonprofit corp registered w/ state
IRS 501(c)(3) Determination LetterOn file · date + effective
Articles of IncorporationNonprofit purpose clause
Bylaws (Current)Board election + meeting rules
Board Roster≥3 independent members
Board Independence DocumentedNo majority related-party control
Conflict-of-Interest PolicySigned by all board + staff
Whistleblower PolicyIRS Form 990 requirement
Document-Retention Policy7-year default
Programs, Property & Fair Housing
Current Programs DefinedWritten scope · beneficiaries · outcomes
Consumer credit services are regulated at both federal and state level. State-by-state licensing, bonding, and disclosure rules apply — never launch a new state without confirming lane rules.
⚠ Regulated activity. Credit-repair, credit-restoration, and consumer-funding services are governed by CROA (federal), state credit-services-organization laws, bonding requirements, and advertising rules. Every advertising claim requires attorney review.
Advertising Claims ApprovedEvery stat + testimonial reviewed
Ongoing
5
Public Launch in StateOnly after registration active + docs signed
Post-reg
Attorney: — · Bond carrier: —"…faithfully done." — Prov 16:3
McKnight MortgageOS
Software · Mortgage Industry Tools
Compliance Packet · P0Volume 11 · Sheet 3 of 6
MortgageOS Compliance
Any software that surfaces or applies mortgage program rules (loan limits · guidelines · calculators) must clearly disclaim, cite official sources, and route decisions to licensed humans.
⚠ Every loan limit and program rule must be verified against the official source before production display. Stale data in a mortgage tool is a legal exposure — not a bug.
Legal & Data Foundation
Software Legal EntityDE LLC or C-Corp · IP-assigned
FMCSA requires an active USDOT number, MC authority, insurance filings, drug-and-alcohol program, and driver qualification files before you can legally move commercial freight for hire.
⚠ FMCSA-regulated operator. Public marketing that suggests active freight operations before USDOT + MC + insurance + BOC-3 are all confirmed active is a false-hire representation. Wait for confirmation.
Federal Authority & Insurance
USDOT Number ActiveRegister + biennial update current
MC Authority GrantedMotor carrier operating authority issued
Operating Status "Authorized"Not just applied — actually authorized
BOC-3 FiledProcess-agent designations by state
UCR CurrentUnified Carrier Registration paid
Insurance (BI/PD + Cargo)$750K min BI/PD · Cargo per contract
Form MCS-90 EndorsementOn file at FMCSA
Factoring AgreementSigned w/ approved factor if applicable
Drivers, Equipment & Safety
Driver Qualification FilesDQ file per driver · 391.51
Drug & Alcohol ProgramConsortium enrollment · testing pool
Commercial vehicle repair combines garage-liability insurance, environmental handling (waste oil, tires, refrigerants), and customer-authorization law. Skip a step, invite a claim.
⚠ Consumer-repair statutes vary by state. Written estimates, change-order approvals, and customer-signed authorization are legally required in most states before work begins. Never let a tech skip the paperwork.
Operator & Insurance
Legal Operator EntitySeparate from freight operator
Physical / Mobile StatusLocation or service-area declared
Service Area BoundaryMiles / counties / states served
Garage Liability InsuranceVehicles in custody covered
Workers' Comp (WC)Per state · every tech
Auto Liability (Mobile Trucks)Service vehicles on road
Umbrella PolicyExcess liability recommended
Operations & Environmental
Technician QualificationsASE certs · CDL if applicable
Licensed childcare is one of the most heavily regulated small businesses in America. State DSS licensing, staff background checks, and facility inspections all precede any enrollment activity.
⚠ Child safety is non-negotiable. No enrollment marketing, no wait-list opens, no facility tours until license, staff background checks, CPR/first-aid, and emergency plan are all confirmed complete and posted.
Licensing & Facility
Legal Provider NameEntity listed on license
Childcare LicenseCurrent · SC DSS issued
Provider NumberDSS-assigned identifier
Facility Address on LicensePhysical address of care
Licensed CapacityTotal + per age group
Age Groups ApprovedInfant · toddler · pre-K · school-age
Operating Hours FiledDays + hours on license
Fire Marshal / Health InspectionPassed · certificate posted
ABC Quality StatusLevel filed + shared publicly
Inspection History CleanRecent inspection reports on file
Staff, Policies & Family Docs
Staff Roster + RatiosMeets state ratio + capacity rules
Staff Qualifications on FileEducation · training hours
Background Checks (SLED + FBI)Every staff · current · repeatable
CPR / First-Aid CurrentEvery staff · certificate on file