THE CLIFFORD PROTOCOL THE LAWFUL METHOD OF ABANDONED CREDIT RECOUPMENT

1. The Death of Substance: The Transition to Credit-Based Finance

Modern banking no longer operates on the redemption of money in gold or silver. Since the enactment of House Joint Resolution 192 (1933), gold-backed contracts were abolished and all public and private obligations were mandated to be discharged in fiat credit. This marked a decisive shift where value was no longer anchored to a physical commodity but to human credit, productive capacity, and enforceable promises. In today's economy, money is not mined—it is promised, recorded, and enforced.

2. Banks as Nominees and the Monetization of the Signature

Under the Bills of Exchange Act 1882, every signed loan, mortgage, or promissory note is a negotiable instrument that can be endorsed, discounted, and securitized.

• Credit Creation Ex Nihilo: Banks do not lend pre-existing deposits. Instead, they create credit "out of nothing" by monetizing the borrower's signature at the moment of signing.
• The Funding Illusion: When a contract is signed, the bank simultaneously creates a matching deposit in the borrower's account. Your signature—not the bank's reserves—is the true source of value and the funding source for the credit.
• The Nominee Posture: Banks act as nominees or middlemen, booking these instruments as assets despite not advancing their own capital.

3. The Strategy of Silence and the Abandoned Credit Windfall

Banks profit perpetually from what is characterized as "abandoned credit".

• Presumption of Inaction: If the true owner (the signer) remains silent and does not file to reclaim the credit, the IRS treats it as abandoned property.
• Nominee Misreporting: Banks file Form 1099-OID in their own names as nominees, capturing the tax credits generated by your signature.
• Profit via Hypothecation: Banks use the securities created by your signature as collateral for their own credit expansion and trading. Through re-hypothecation, they generate profits far exceeding the original loan value.

4. The Debtor Trap: SSN and ITIN Filings

A critical failure in attempting credit recoupment is filing as a "debtor" rather than a "creditor."

• Agency Presumption: The IRS algorithm is hard-coded to recognize SSN or ITIN filings as operations of the "body corporate" or debtor estate created by the birth certificate.
• Surety Conflict: Using an SSN to file places the living soul in the role of agent and surety for the corporate debtor.
• Fraud Filters (Code 810): Because the system sees an SSN filer as a debtor, these returns often trigger Code 810 (Refund Freeze) holds, as the system assumes the debtor is making a fraudulent claim against the Treasury.

5. The Lawful Remedy: The Clifford Protocol

The Clifford Protocol provides a structural remedy to correct nominee misreporting and reclaim abandoned securities through a specific administrative and jurisdictional sequence.

A. Jurisdictional Correction via the Envoy Protocol

• This protocol uses the doctrine of Clausula Rebus Sic Stantibus to renounce the unwanted agency relationship with the state-created persona. The living soul reoccupies the office of General Executor over the decedent estate, taking control of all liabilities and assets.

B. The 98-Series International Grantor Trust

Filing through a 98-Series Trust is the most efficient pass-through entity for this process.

• Separate EIN: Distinguishes the trust from the SSN-based debtor fiction.
• Fiduciary Standing: Positions the trust as the lawful beneficial owner and Holder in DueCourse.
• Nominee Correction: Files a corrective 1099-OID listing the bank as the nominee toreclaim the credits.

C. Compliance with the IRS 945 AlgorithmFor a refund to clear, the filing must align with the bank's own reporting

• Form 945 (The Master Record): Banks remit withheld tax from your signature-generated income via Form 945.
• Verification: The IRS 810 Code Algorithm ensures that your claim is less than or equal to the "negative numbers" (credits) verified in the bank's 945 module.

D. Movement of Funds and the Asset Fortress

1. Grant Distribution: The IRS issues the recoupment to the ROS Ecclesia Trust (a 508(c)(1)(a) ministry), which maintains the funds in a tax-exempt ecclesiastical jurisdiction.
2. Asset Fortress Protocol (Trust 2): The ministry trust issues a ministerial grant to the member's second trust, the Asset Fortress.
3. Private Treasury: The Asset Fortress functions as a private treasury for the beneficial use of the living soul, "off-board" from the corporate system.
4. Spend and Recoup: This creates a loop where spending from the private treasury generates new abandoned credit that can be recouped again.

6. Regulatory Status and Non-Claims Management

The Clifford Protocol is structured to remain outside of standard commercial regulations:

• Non-Regulated Activity: In the UK, tax recoupment from the U.S. Treasury is not a "prescribed" category under FCA jurisdiction.
• Not Claims Management: The activity is framed as ecclesiastical education. Because it involves no claim against a regulated party and uses a donation-based model (PMA) rather than fees, it does not trigger commercial activity regulations.
• Transparent Fiduciary Structure: The 98-Series Trust is recognized as a legitimate fiduciary claimant, providing a lawful path for the true owner to correct misreporting under IRS Publication 1212.