DOSSIER 01 / SOURCE REGISTER

Read the primary records.

Source notes distinguish agency allegations, company accounts, historical filings and our illustrative calculations. Reviewed October 23, 2026. Records may subsequently change.

1. JAB / NVA / SAGE: case and final consent order (2022)

   Federal Trade Commission

   Local specialty/emergency veterinary competition and divestitures; not proof of universal price increases. Checked 23 October 2026.

2. Inquiry into serial acquisitions and roll-up strategies (2024)

   Federal Trade Commission / Department of Justice

   Agency description of cumulative consolidation concerns; an inquiry, not a finding against every acquisition.

3. How dental practice affiliation works

   Heartland Dental

   Company account of legacy brands, business support and clinical autonomy; does not establish concealment or misconduct.

4. Petco FY2023 Form 10-K: Risks Related to Our Indebtedness

   Petco Health and Wellness Company / SEC EDGAR

   Historical company risk disclosure, printed pages 31–32. Not evidence about the invented clinic or a present default.

5. Private Equity Funds

   U.S. Securities and Exchange Commission, Investor.gov

   Fund structure, fees and conflicts; agreements differ and no universal fee rate is assumed.

6. Proposed RealPage settlement, 24 November 2025

   U.S. Department of Justice

   Historical allegations and proposed restrictions; not presented as a liability judgment or a veterinary software case.

7. RealPage response to the DOJ settlement, 24 November 2025

   RealPage

   Company denies wrongdoing and says its tools support independent decisions; its account is distinguished from agency allegations.

8. Know your medical bill rights when not using insurance

   Centers for Medicare & Medicaid Services

   Uninsured/self-pay human health-care estimates and scope. Emergency care does not provide the same advance-estimate opportunity. Checked 23 October 2026.

9. Dispute a medical bill: patient-provider dispute resolution

   Centers for Medicare & Medicaid Services

   Eligibility, per-provider $400 threshold, 120-day initial-bill window, required estimate and $25 filing fee. Check current CMS instructions before filing.

10. ADA receives CMS clarification on No Surprises Act (2023)

    American Dental Association

    First-party report of CMS correspondence: dental estimate rules depend on insurance and self-pay status, including limited-scope plan exceptions.

11. Medical credit cards and payment plans: what to know

    Consumer Financial Protection Bureau

    Financing costs, deferred interest and alternatives; no particular lender is recommended.

12. Information a debt collector must provide

    Consumer Financial Protection Bureau

    Covered debt collectors, validation information and timely written disputes. A routine provider billing inquiry is a different process.

13. What laws limit what debt collectors can say or do?

    Consumer Financial Protection Bureau

    FDCPA generally covers personal/family/household debts and generally not the original creditor collecting its own debt. State protections may differ.

14. How to avoid a home improvement scam

    Federal Trade Commission

    Written comparable estimates, local licensing checks and contract documentation. This guide does not assert a universal cancellation right.