Each load-bearing fact below may be quoted with its source. Two checks means two independent confirmations on different dates; estimate means the derivation is shown and awaits actuarial review. If a number here cannot survive a legislator's staff, it does not stay.
| The claim, as written | Source | Checked |
|---|---|---|
| ~23–26,000 eviction filings per year in Minnesota | MN Judicial Branch annual reports — 25,847 (2023); 23,282 (2024); tracking ~25K (2025) | ✓✓ 10/23 · 11/2 |
| Deposit disputes & serial nonpayment consume a third to a half of filings | Working estimate from filing-mix analysis — awaiting a published court breakdown before it hardens | estimate — flagged |
| Private deposit-insurance products pay the landlord and recover from the tenant | Published product terms of the security-deposit-replacement industry (subrogation language, standard — copies on file) | ✓✓ 10/23 · 11/2 |
| Class action against a major deposit-alternative carrier, S.D.N.Y., filed Oct 6, 2026 | OpenClassActions; Insurance Business Magazine — verified 10/18 | ✓✓ 10/18 · 10/23 |
| Custodial deposit protection has operated nationally in the UK since 2007, funded off pooled float | UK Housing Act 2004; gov.uk tenancy deposit protection — schemes live April 2007 | ✓✓ 10/23 · 11/2 |
| Statutory 1% interest accrues to the tenant on deposits | Minn. Stat. § 504B.178, subd. 2 | ✓✓ statute · 11/2 |
| Usable pool float ≈ 3% net (≈$23.4M/yr at scale) | Internal math audit 10/23 — 4% escrow yield minus the tenant's statutory 1%, on MN deposit stock | estimate — derivation shown |
| ~$5,600–$7,400 taxpayer cost per contested eviction | Harris County i4J model: $199–260M annual public cost ÷ ~35–38K evictions | ✓✓ 10/23 · 11/2 |
| Renter share ≈ $6/mo; total braid ≈ $15/mo at $1,300 rent | 10/23 restatement — split ratio open pending actuarial | estimate — derivation shown |
| Monthly credit advance reconciled on the return follows the federal APTC / Form 8962 model | IRS Form 8962 (premium tax credit); MN M1PR renter's credit e-file rail | ✓✓ 10/23 · 11/2 |
| Repayable state advance against future premiums follows the UI trust-fund precedent | 42 U.S.C. § 1322 — federal UI Title XII repayable advances | ✓✓ 10/23 · 11/2 |
Every figure travels the same road before it may be quoted:
Source it. The claim is written next to its source — an official publication, a statute, or a filed document. No source, no sentence.
Check it twice. Two independent confirmations on different dates earn the ✓✓ mark. A single confirmation earns ✓ and stays labeled.
Or flag it. Internal estimates and figures awaiting published data are marked estimate with the derivation shown — never presented as settled fact.
And stay correctable. Any reader may flag an error at the Inkwell; a correction entered into the record is credited to the person who caught it.
Find a number that won't hold? Mark it at the Inkwell — a caught error here is a win, not an embarrassment.