reglab/housing_qa huggingface dataset:
MO Rev Stat § 408.585 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 408 - Legal Tender and Interest|Section 408.585 - Limitation on requirements of sections 408.570 to 408.600.

Effective - 01 Jan 1980   408.585. Limitation on requirements of sections 408.570 to 408.600. — 1. No provision of sections 408.570 to 408.600 shall be construed to require any financial institution to make any residential real estate loan contrary to sound underwriting practices which shall include but not be limited to the following:  (1) The credit worthiness of the applicant; and  (2) The market value of the residential real estate proposed as security for the loans.  2. A financial institution may employ different loan application procedures for loans to purchase or construct new dwellings as opposed to the purchase of previously occupied dwellings. ­­-------- (L. 1979 S.B. 305)  Effective 1-01-80
MO Rev Stat § 408.590 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 408 - Legal Tender and Interest|Section 408.590 - Division directors, report to governor and department director, contents.

Effective - 28 Aug 2013   *408.590. Division directors, report to governor and department director, contents. — 1. As to the state financial institutions under the supervision of the respective divisions, each division director shall report annually to the governor and the director of the department, with regard to each county or city with a population in excess of two hundred fifty thousand the following:  (1) The number and type of violations of sections 408.570 to 408.600 which are found to have occurred, a statement of the action or actions taken to enforce the provisions of said sections, and the names of the financial institutions which have been found upon a hearing to have violated the provisions of said sections; and  (2) The number and nature of all complaints received by the department or division regarding alleged violations of any provision of sections 408.570 to 408.600 and the action taken on each complaint by the division.  2. This report shall be maintained by each division as a public document for a period of five years. ­­-------- (L. 1979 S.B. 305, A.L. 2013 H.B. 329 merged with S.B. 235)  Effective 8-28-13 (S.B. 235); 10-11-13 (H.B. 329)  *H.B. 329 effective 10-11-13, see § 21.250. H.B. 329 was vetoed July 2, 2013. The veto was overridden on September 11, 2013.
MO Rev Stat § 408.595 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 408 - Legal Tender and Interest|Section 408.595 - Financial institutions to make other annual report, contents.

Effective - 01 Jan 1980   408.595. Financial institutions to make other annual report, contents. — Not later than sixty days following the close of each fiscal year, every state financial institution which accepts savings deposits shall certify to the appropriate division director the total savings deposits of the institution accepted by the institution in the state of Missouri as of the close of the fiscal year, and the total amount of the institution's investments in loans, other than loans originated in the state of Missouri and in negotiable instruments other than loans. ­­-------- (L. 1979 S.B. 305)  Effective 1-01-80
MO Rev Stat § 408.675 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 408 - Legal Tender and Interest|Section 408.675 - Citation of law — definitions.

Effective - 28 Aug 1989   408.675. Citation of law — definitions. — 1. Sections 408.675 to 408.700 shall be known and may be cited as the "Missouri Right to Financial Privacy Act".  2. For the purposes of sections 408.675 to 408.700, the following terms mean:  (1) "Customer", any person or his authorized representative who utilized services of a financial institution, or for whom a financial institution is acting or has acted as a fiduciary, in relation to an account maintained in such person's name;  (2) "Financial institution", bank, savings and loan association, trust company, credit union, consumer credit lender, consumer finance institution, persons who act as lender on loans governed by sections 408.100 and 408.120 to 408.190, persons who are sellers under a retail time contract or retail time transactions governed by sections 408.250 to 408.370, and any other persons, including, but not limited to, stockbrokers and brokerage firms, which accept money for deposit to an account on which checks may be drawn by the owner of such account;  (3) "Financial record", an original, a copy, or information derived from any record held by a financial institution pertaining to a customer's relationship with the financial institution;  (4) "Government authority", any agency or department of the state of Missouri or any agent thereof;  (5) "Law enforcement inquiry", a lawful investigation, official proceeding, or grand jury proceeding relating to the commission of any crime;  (6) "Subpoena", a judicial subpoena, an administrative subpoena, or other process expressly authorized by law;  (7) "Supervisory agency", any agency or department of Missouri having statutory authority to examine the financial condition or business operations of a financial institution;  (8) "Government investigation", a lawful proceeding inquiring into a violation of any civil statute or any valid regulation, rule, or order issued pursuant thereto. ­­-------- (L. 1989 H.B. 82 §§ 1, 2)
MO Rev Stat § 408.677 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 408 - Legal Tender and Interest|Section 408.677 - Government access to records, when — requirements.

Effective - 28 Aug 1989   408.677. Government access to records, when — requirements. — Except as provided in section 408.690, no government authority may have access to or obtain copies of the information contained in the financial records of any customer unless the financial records are reasonably described and:  (1) Such customer has authorized such disclosure in accordance with section 408.682;  (2) Such financial records are disclosed in response to a subpoena which meets the requirements of section 408.683; or  (3) Such financial records are disclosed in response to a written request which meets the requirements of section 408.683. ­­-------- (L. 1989 H.B. 82 § 3)
MO Rev Stat § 408.680 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 408 - Legal Tender and Interest|Section 408.680 - Financial institution may not disclose, exceptions, requirements.

Effective - 28 Aug 1989   408.680. Financial institution may not disclose, exceptions, requirements. — 1. A financial institution, or officer, employee, or agent thereof shall not provide to any government authority access to the financial record of any customer except in accordance with the provisions of sections 408.675 to 408.700.  2. A financial institution shall not release the financial records of a customer until the government authority seeking such records gives notice in writing to the financial institution that it has complied with the applicable provisions of sections 408.675 to 408.700. ­­-------- (L. 1989 H.B. 82 § 4)
MO Rev Stat § 408.682 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 408 - Legal Tender and Interest|Section 408.682 - Customer authorization, requirements.

Effective - 28 Aug 1989   408.682. Customer authorization, requirements. — 1. A customer may authorize disclosure of his financial records if he furnishes to the financial institution and to the government authority seeking to obtain such disclosure a signed and dated statement which:  (1) Authorizes such disclosure for such period as may be agreed upon;  (2) States that the customer may revoke such authorization at any time before the financial records are disclosed;  (3) Identifies the financial records which are authorized to be disclosed;  (4) Specifies the purpose and the government authority to which such records may be disclosed; and  (5) States the customer's rights under sections 408.675 to 408.700.  2. Such authorization shall not be required as a condition of doing business with any financial institution.  3. The customer has the right to obtain a copy of the information which shall be disclosed to a government authority pursuant to sections 408.675 to 408.700, and the identity of the government authority to which such disclosure was made. ­­-------- (L. 1989 H.B. 82 § 5)
MO Rev Stat § 408.683 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 408 - Legal Tender and Interest|Section 408.683 - Subpoena, government may obtain records with, when — procedure — notice required.

Effective - 28 Aug 1989   408.683. Subpoena, government may obtain records with, when — procedure — notice required. — A government authority may obtain financial records pursuant to a subpoena if:  (1) There is reason to believe that the records sought are relevant to a government investigation;  (2) A copy of the subpoena has been served upon the customer or mailed to his last known address on or before the date on which the subpoena is served on the financial institution together with the following notice: "Records or information concerning your transactions held by the financial institution named in the attached subpoena (or other process) are being sought by the (agency or department) in accordance with the Missouri Right to Financial Privacy Act for the following purpose: (state purpose with reasonable specificity) If you desire that such records or information not be made available, you must: 1. State in writing that you are the customer whose records are being requested and give the reasons you believe the records are not relevant to the law enforcement inquiry stated in this subpoena or any other basis for objecting to the release of the records; 2. File the statement by mailing or delivering it to the clerk of the court which issued or has the power to enforce the subpoena; 3. Serve the government authority requesting the records by mailing or delivering a copy of your statement to it at the address stated in the notice; and 4. Be prepared to go to court or to the issuing authority and present your position in further detail.  You do not need to have a lawyer to represent yourself, although you may wish to employ one to represent you and protect your rights.  If you do not follow the above procedures, upon the expiration of ten days from the date of service or fourteen days from the date of mailing of this notice, the records or information requested therein will be made available. These records may be transferred to other government authorities for legitimate government investigations."; ­­and  (3) Ten days have expired from the date of service of the notice or fourteen days have expired from the date of mailing the notice to the customer and within such time period the customer has not filed a statement or a motion to quash in an appropriate court, or the customer challenge provisions of section 408.686 have been complied with. ­­-------- (L. 1989 H.B. 82 § 6)
MO Rev Stat § 408.687 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 408 - Legal Tender and Interest|Section 408.687 - Financial institution to assemble records upon subpoena — delivery of records, when.

Effective - 28 Aug 1989   408.687. Financial institution to assemble records upon subpoena — delivery of records, when. — Upon receipt of a request for financial records made by a government authority under section 408.683, the financial institution shall, unless otherwise provided by law proceed to assemble the records requested and must be prepared to deliver the records to the government authority upon receipt of the notice required under subsection 2 of section 408.680. ­­-------- (L. 1989 H.B. 82 § 9)
MO Rev Stat § 408.689 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 408 - Legal Tender and Interest|Section 408.689 - Transfer of records to additional agency, allowed when — notice.

Effective - 28 Aug 1989   408.689. Transfer of records to additional agency, allowed when — notice. — 1. Financial records originally obtained pursuant to sections 408.675 to 408.700 shall not be transferred to another agency or department unless the transferring agency or department makes a written finding that there is reason to believe that the records are relevant to a legitimate law enforcement inquiry within the jurisdiction of the receiving agency or department.  2. When financial records subject to sections 408.675 to 408.700 are transferred pursuant to this section the transferring agency or department shall within fourteen days send to the customer the following notice: "Copies of, or information contained in, your financial records lawfully in possession of (the agency or department) have been furnished to (the agency or department) pursuant to the Missouri Right to Financial Privacy Act for the following purpose (state with reasonable specificity). If you believe that this transfer has not been made to further a legitimate law enforcement inquiry, you may have legal rights under the Missouri Right to Financial Privacy Act.".  3. Notwithstanding subsection 2 of this section, notice to the customer may be delayed if the transferring agency or department has obtained a court order delaying notice, or if the receiving agency or department obtains a court order authorizing a delay in notice. Upon the expiration of any such period of delay, the transferring agency or department shall serve the customer the notice specified in subsection 2 of this section and the agency or department that obtained the court order authorizing a delay in notice shall serve the notice. ­­-------- (L. 1989 H.B. 82 § 10)
MO Rev Stat § 408.693 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 408 - Legal Tender and Interest|Section 408.693 - Fee paid to financial institution, amount, how determined.

Effective - 28 Aug 1989   408.693. Fee paid to financial institution, amount, how determined. — Except for records obtained pursuant to section 408.690, a government authority shall pay to the financial institution assembling or providing financial records pertaining to a customer and in accordance with procedures established by sections 408.675 to 408.700 a fee for reimbursement for such costs as are reasonably necessary and which have been directly incurred in searching for, reproducing, or transporting books, papers, records, or other data required or requested to be produced. The rates established by the board of governors of the Federal Reserve System shall, by regulation, establish the rates and conditions under which such payment may be made. ­­-------- (L. 1989 H.B. 82 § 13)
MO Rev Stat § 408.695 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 408 - Legal Tender and Interest|Section 408.695 - Statute of limitations.

Effective - 28 Aug 1989   408.695. Statute of limitations. — An action to enforce any provision of sections 408.675 to 408.700 may be brought in the circuit court within three years from the date on which the violation occurs or on the date of discovery of such violation, whichever is later. ­­-------- (L. 1989 H.B. 82 § 14)
MO Rev Stat § 408.696 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 408 - Legal Tender and Interest|Section 408.696 - Civil liability for violation, amount — disciplinary action against agency employee, when — good faith a valid defense, when — exclusive remedy.

Effective - 28 Aug 1989   408.696. Civil liability for violation, amount — disciplinary action against agency employee, when — good faith a valid defense, when — exclusive remedy. — 1. Any financial institution or an agency or department of the state of Missouri obtaining or disclosing financial records or information contained therein in violation of sections 408.675 to 408.700 is liable to the customer to whom such records relate in an amount equal to the sum of:  (1) One thousand dollars, without regard to the volume of records involved;  (2) Any actual damages sustained by the customer as a result of the disclosure; and  (3) In the case of any successful action to enforce liability under this section, the costs of the action together with reasonable attorney's fees may be allowed by the court.  2. Whenever the court determines that any employee of an agency or department of the state of Missouri has violated any provision of sections 408.675 to 408.700 and the court finds that the circumstances surrounding the violation raise questions of whether an officer or employee of the department or agency acted willfully or intentionally with respect to the violation, the agency or department supervising said violator shall promptly initiate a proceeding to determine whether disciplinary action is warranted against the agent or employee who was primarily responsible for the violation. The agency or department after investigation and consideration of the evidence submitted shall submit its findings and recommendations to the administrative authority of the agency concerned and shall send copies of the findings and recommendations to the officer or employee or his representative.  3. Any financial institution or agent or employee thereof making a disclosure of financial records pursuant to sections 408.675 to 408.700 in good faith reliance upon a notice by any government authority shall not be liable to the customer or any other person for such disclosure.  4. The remedies and sanctions described in sections 408.675 to 408.700 shall be the only judicially recognized remedies and sanctions for violations of sections 408.675 to 408.700. ­­-------- (L. 1989 H.B. 82 § 15)
MO Rev Stat § 408.697 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 408 - Legal Tender and Interest|Section 408.697 - Injunctive relief, allowed when.

Effective - 28 Aug 1989   408.697. Injunctive relief, allowed when. — In addition to any other remedy contained in sections 408.675 to 408.700, injunctive relief shall be available to require that the procedures of sections 408.675 to 408.700 are complied with. In the event of a successful action, costs together with reasonable attorney's fees as determined by the court may be recovered. ­­-------- (L. 1989 H.B. 82 § 16)
MO Rev Stat § 408.699 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 408 - Legal Tender and Interest|Section 408.699 - Statute of limitations, tolled when.

Effective - 28 Aug 1989   408.699. Statute of limitations, tolled when. — If any individual files a motion or application under sections 408.655 and 408.675 to 408.700 which has the effect of delaying the access of a government authority to financial records pertaining to such individual, any applicable statute of limitations shall be deemed to be tolled for the period extending from the date such motion or application was filed until the date upon which the motion or application is decided. ­­-------- (L. 1989 H.B. 82 § 17)
MO Rev Stat § 408.700 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 408 - Legal Tender and Interest|Section 408.700 - Subpoena issued under authority of grand jury, records, use of.

Effective - 28 Aug 1989   408.700. Subpoena issued under authority of grand jury, records, use of. — Financial records relating to a customer obtained from a financial institution pursuant to a subpoena issued under the authority of a grand jury:  (1) Shall be returned and actually presented to the grand jury;  (2) Shall be used only for the purpose of considering whether to issue an indictment or presentment by that grand jury, or of prosecuting a crime for which that indictment or presentment is issued, or for a purpose authorized by the applicable Missouri rules of criminal procedure;  (3) Shall be destroyed or returned to the financial institution if not used for one of the purposes specified in subdivision (2) of this section; and  (4) Shall not be maintained, or a description of the contents of such records shall not be maintained by any government authority other than in the sealed records of the grand jury, unless such record has been used in the prosecution of a crime for which the grand jury issued an indictment or presentment or for a purpose authorized by rules 5 and 6 of the Missouri rules of criminal procedure. ­­-------- (L. 1989 H.B. 82 § 18)
MO Rev Stat § 408.800 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 408 - Legal Tender and Interest|Section 408.800 - Definitions.

Effective - 28 Aug 2016   408.800. Definitions. — As used in sections 408.800 to 408.815, the following terms shall mean:  (1) "American Savings Promotion Act", Public Law 113-251, enacted by the 113th United States Congress;  (2) "Eligible account", an insured deposit account offered by an eligible financial institution that provides an incentive savings program authorized under sections 408.800 to 408.815. This shall include any account in which an individual has either a joint or individual interest, any trust account, or similar account held for a beneficiary. For individual accounts, one individual account holder shall be eighteen years of age or older to be eligible. The eligibility of the account shall not be affected by the designation of a transfer on death beneficiary;  (3) "Eligible financial institution", a federally insured depository institution that is state or federally chartered and is authorized to accept deposits that are insured by the Federal Deposit Insurance Corporation or the National Credit Union Administration;  (4) "Eligible financial program":  (a) Any savings program or product that an eligible financial institution offers to participants for the purpose of:  a. Encouraging savings by participants; or  b. Providing participants the opportunity to use and control their own moneys in order to improve his or her economic and social condition;  (b) Programs or products that encourage or require participants to:  a. Open one or more eligible accounts; or  b. Increase deposits or contributions to one or more eligible accounts; or  (c) Programs or products that encourage or require participants to deposit or transfer moneys into one or more eligible accounts on a recurring or automatic basis;  (5) "Participant", any owner of an eligible account;  (6) "Savings promotion program", a promotion in which a chance of winning designated prizes is obtained by the deposit of a specified amount of moneys in a savings account or other savings program offered by an eligible financial institution to participants in which each entry has an equal chance of being drawn where the participants own the savings account or other savings program. ­­-------- (L. 2016 H.B. 2125 merged with S.B. 833)