reglab/housing_qa huggingface dataset:
IA Code § 524.149 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.149 - Reserved.

524.149 Reserved. Reserved.
IA Code § 524.150 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.150 - Reserved.

524.150 Reserved. Reserved.
IA Code § 524.151 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.151 - Reserved.

524.151 Reserved. Reserved.
IA Code § 524.152 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.152 - Reserved.

524.152 Reserved. Reserved.
IA Code § 524.153 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.153 - Reserved.

524.153 Reserved. Reserved.
IA Code § 524.154 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.154 - Reserved.

524.154 Reserved. Reserved.
IA Code § 524.155 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.155 - Reserved.

524.155 Reserved. Reserved.
IA Code § 524.156 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.156 - Reserved.

524.156 Reserved. Reserved.
IA Code § 524.157 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.157 - Reserved.

524.157 Reserved. Reserved.
IA Code § 524.158 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.158 - Reserved.

524.158 Reserved. Reserved.
IA Code § 524.159 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.159 - Reserved.

524.159 Reserved. Reserved.
IA Code § 524.160 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.160 - Reserved.

524.160 Reserved. Reserved.
IA Code § 524.161 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.161 - Reserved.

524.161 Reserved. Reserved.
IA Code § 524.162 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.162 - Reserved.

524.162 Reserved. Reserved.
IA Code § 524.163 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.163 - Reserved.

524.163 Reserved. Reserved.
IA Code § 524.164 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.164 - Reserved.

524.164 Reserved. Reserved.
IA Code § 524.165 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.165 - Reserved.

524.165 Reserved. Reserved.
IA Code § 524.166 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.166 - Reserved.

524.166 Reserved. Reserved.
IA Code § 524.167 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.167 - Reserved.

524.167 Reserved. Reserved.
IA Code § 524.168 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.168 - Reserved.

524.168 Reserved. Reserved.
IA Code § 524.169 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.169 - Reserved.

524.169 Reserved. Reserved.
IA Code § 524.170 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.170 - Reserved.

524.170 Reserved. Reserved.
IA Code § 524.171 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.171 - Reserved.

524.171 Reserved. Reserved.
IA Code § 524.172 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.172 - Reserved.

524.172 Reserved. Reserved.
IA Code § 524.173 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.173 - Reserved.

524.173 Reserved. Reserved.
IA Code § 524.174 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.174 - Reserved.

524.174 Reserved. Reserved.
IA Code § 524.175 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.175 - Reserved.

524.175 Reserved. Reserved.
IA Code § 524.176 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.176 - Reserved.

524.176 Reserved. Reserved.
IA Code § 524.177 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.177 - Reserved.

524.177 Reserved. Reserved.
IA Code § 524.178 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.178 - Reserved.

524.178 Reserved. Reserved.
IA Code § 524.179 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.179 - Reserved.

524.179 Reserved. Reserved.
IA Code § 524.180 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.180 - Reserved.

524.180 Reserved. Reserved.
IA Code § 524.181 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.181 - Reserved.

524.181 Reserved. Reserved.
IA Code § 524.182 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.182 - Reserved.

524.182 Reserved. Reserved.
IA Code § 524.183 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.183 - Reserved.

524.183 Reserved. Reserved.
IA Code § 524.184 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.184 - Reserved.

524.184 Reserved. Reserved.
IA Code § 524.185 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.185 - Reserved.

524.185 Reserved. Reserved.
IA Code § 524.186 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.186 - Reserved.

524.186 Reserved. Reserved.
IA Code § 524.187 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.187 - Reserved.

524.187 Reserved. Reserved.
IA Code § 524.188 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.188 - Reserved.

524.188 Reserved. Reserved.
IA Code § 524.189 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.189 - Reserved.

524.189 Reserved. Reserved.
IA Code § 524.190 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.190 - Reserved.

524.190 Reserved. Reserved.
IA Code § 524.191 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.191 - Reserved.

524.191 Reserved. Reserved.
IA Code § 524.192 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.192 - Reserved.

524.192 Reserved. Reserved.
IA Code § 524.193 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.193 - Reserved.

524.193 Reserved. Reserved.
IA Code § 524.194 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.194 - Reserved.

524.194 Reserved. Reserved.
IA Code § 524.195 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.195 - Reserved.

524.195 Reserved. Reserved.
IA Code § 524.196 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.196 - Reserved.

524.196 Reserved. Reserved.
IA Code § 524.197 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.197 - Reserved.

524.197 Reserved. Reserved.
IA Code § 524.198 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.198 - Reserved.

524.198 Reserved. Reserved.
IA Code § 524.199 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.199 - Reserved.

524.199 Reserved. Reserved.
IA Code § 524.200 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.200 - Reserved.

524.200 Reserved. Reserved.
IA Code § 524.201 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.201 - Superintendent of banking.

524.201 Superintendent of banking.   1. The governor shall appoint, subject to confirmation by the senate, a superintendent of banking. The appointee shall be selected solely with regard to qualification and fitness to discharge the duties of office, and a person shall not be appointed who has not had at least five years’ experience as an executive officer in a bank.   2. The superintendent shall have an office at the seat of government. The regular term of office shall be four years beginning and ending as provided by section 69.19.  [C24, 27, 31, 35, 39, §9130, 9131; C46, 50, 54, 58, 62, 66, §524.1, 524.2; C71, 73, 75, 77, 79, 81, §524.201]  95 Acts, ch 148, §8; 2004 Acts, ch 1141, §2  Referred to in §535D.3, 546.3  Confirmation, see §2.32
IA Code § 524.202 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.202 - Superintendent — salary.

524.202 Superintendent — salary.   The superintendent shall receive a salary to be fixed by the governor.  [C24, 27, 31, 35, 39, §9137; C46, 50, 54, 58, 62, 66, §524.7; C71, 73, 75, 77, 79, 81, §524.202]  95 Acts, ch 148, §9
IA Code § 524.203 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.203 - Superintendent — vacancy.

524.203 Superintendent — vacancy.   If the office of the superintendent of banking is vacant, the chief of the bank bureau of the banking division shall be the acting superintendent until the governor appoints a new superintendent or acting superintendent. If the chief of the bank bureau is unable to serve, the chief of the finance bureau of the banking division shall be the acting superintendent until the governor appoints a new superintendent or acting superintendent. If both the chief of the bank bureau and the chief of the finance bureau are unable to serve, the chief of the professional licensing and regulation bureau of the banking division shall be the acting superintendent until the governor appoints a new superintendent or acting superintendent.  [C24, 27, 31, 35, 39, §9133; C46, 50, 54, 58, 62, 66, §524.3; C71, 73, 75, 77, 79, 81, §524.203]  2004 Acts, ch 1141, §3; 2008 Acts, ch 1160, §2
IA Code § 524.204 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.204 - Deputy superintendent of banking.

524.204 Deputy superintendent of banking.   The superintendent may appoint an employee of the division of banking as deputy to perform the duties of the superintendent during the absence or inability of the superintendent to act. Any deputy so appointed shall be removable at the pleasure of the superintendent.  [C24, 27, 31, 35, 39, §9136, 9137; C46, 50, 54, 58, 62, 66, §524.6, 524.7; C71, 73, 75, 77, 79, 81, §524.204]  95 Acts, ch 148, §10; 2004 Acts, ch 1141, §4
IA Code § 524.205 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.205 - State banking council.

524.205 State banking council.   1. The state banking council shall consist of the superintendent, who shall be an ex officio member and chairperson, and six other members, appointed by the governor, who shall be appointed, where practical, from various parts of the state. Provided, however, that in no event shall more than five members of such council be engaged in the business of banking in any executive capacity.   2. The terms of office for members of the state banking council, other than the superintendent, shall be four-year staggered terms. Each member shall hold office for the term for which the member is appointed or until a successor is appointed.   3. A member of the state banking council, other than the superintendent, shall not receive a salary but is entitled to reimbursement for actual expenses incurred by the member in connection with the member’s duties. Each member of the council may also be eligible to receive compensation as provided in section 7E.6.   4. The state banking council shall act in an advisory capacity concerning matters submitted to the council by the superintendent pertaining to the conduct of the administration of this chapter.   5. The state banking council shall meet at least once each calendar quarter on such date and at such place as the council may decide, and shall meet at such other times as may be deemed necessary by the superintendent or a majority of the council members.  [C27, 31, 35, §9154-a1, -a2, -a3, -a4, -a7, -a8; C39, §9154.04 – 9154.07, 9154.10, 9154.11; C46, 50, 54, 58, 62, 66, §525.1 – 525.4, 525.7, 525.8; C71, 73, 75, 77, 79, 81, §524.205]  86 Acts, ch 1245, §747; 2004 Acts, ch 1141, §5
IA Code § 524.206 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.206 - Banking division created.

524.206 Banking division created.   The banking division is created within the department of commerce.  [C71, 73, 75, 77, 79, 81, §524.206]  86 Acts, ch 1245, §748
IA Code § 524.208 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.208 - Examiners and other employees.

524.208 Examiners and other employees.   The superintendent may appoint examiners and other employees as the superintendent deems necessary to the proper discharge of the duties imposed upon the superintendent by the laws of this state. Pay plans shall be established for employees, other than clerical employees or employees of the professional licensing and regulation bureau of the banking division, who examine the accounts and affairs of state banks and who examine the accounts and affairs of other persons, subject to supervision and regulation by the superintendent, which are substantially equivalent to those paid by the federal deposit insurance corporation and other federal supervisory agencies in this area of the United States.  [C24, 27, 31, 35, 39, §9136, 9137; C46, 50, 54, 58, 62, 66, §524.6, 524.7; C71, 73, 75, 77, 79, 81, §524.208]  86 Acts, ch 1245, §749; 2004 Acts, ch 1141, §7; 2006 Acts, ch 1177, §32
IA Code § 524.209 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.209 - Expenses.

524.209 Expenses.   The superintendent, examiners, and other employees of the banking division shall be entitled to receive reimbursement for expenses incurred in the performance of their duties. The superintendent, and when specifically authorized by the superintendent, examiners, and other employees of the banking division, shall be entitled to receive reimbursement for expenses incurred while attending conventions, meetings, conferences, schools, or seminars relating to the performance of their duties, and such expenses shall be paid by the treasurer of state on warrants drawn by the director of the department of administrative services.  [C24, 27, 31, 35, 39, §9144; C46, 50, 54, 58, 62, 66, §524.16; C71, 73, 75, 77, 79, 81, §524.209]  2003 Acts, ch 145, §286; 2004 Acts, ch 1141, §8
IA Code § 524.210 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.210 - Insurance and surety bonds.

524.210 Insurance and surety bonds.   The superintendent shall acquire good and sufficient bond in a company authorized to do business in this state insuring the faithful performance of examiners and all other employees of the banking division and insuring against any liability which may accrue in the case of the loss of any property of a state bank, of a customer of a state bank, or of any other person in the course of any examination, investigation, or other function required or allowed by the laws of this state. The superintendent shall be bonded in accordance with the provisions of chapter 64.  [C24, 27, 31, 35, 39, §9138, 9139; C46, 50, 54, 58, 62, 66, §524.8, 524.9; C71, 73, 75, 77, 79, 81, §524.210]  2004 Acts, ch 1141, §9
IA Code § 524.212 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.212 - Prohibition against disclosure of regulatory information.

524.212 Prohibition against disclosure of regulatory information.   1. The superintendent, members of the state banking council, general counsel, examiners, or other employees of the banking division shall not disclose, in any manner, to any person other than the person examined and those regulatory agencies referred to in section 524.217, subsection 2, any information relating specifically to the supervision and regulation of any state bank, persons subject to the provisions of chapter 533A, 533C, 536, or 536A, any affiliate of any state bank, or an affiliate of a person subject to the provisions of chapter 533A, 533C, 536, or 536A, except when ordered to do so by a court of competent jurisdiction and then only in those instances referred to in section 524.215, subsection 2, paragraphs “a”, “b”, “c”, “e”, and “f”.   2. The superintendent may receive documents, materials, or other information, including otherwise confidential and privileged documents, materials, or other information, from other local, state, federal, and international regulatory agencies, the conference of state bank supervisors and its affiliates or subsidiaries, the American association of mortgage regulators and its affiliates or subsidiaries, and the national association of consumer credit administrators and its affiliates or subsidiaries, and shall maintain as confidential and privileged any such document, material, or other information received with notice or the understanding that it is confidential or privileged under the laws of the jurisdiction that is the source of the document, material, or other information. With respect to documents, materials, or other information that is shared or stored electronically, the superintendent is authorized to take any necessary steps to ensure the division’s information technology systems comply with the information technology security requirements established by any of the regulatory agencies or associations of state regulatory agencies described in this section.  [C31, 35, §9146-c1; C39, §9146.1; C46, 50, 54, 58, 62, 66, §524.19; C71, 73, 75, 77, 79, 81, §524.212]  95 Acts, ch 148, §14; 2003 Acts, ch 96, §40, 42; 2004 Acts, ch 1141, §11; 2008 Acts, ch 1031, §56; 2008 Acts, ch 1160, §4; 2011 Acts, ch 102, §2  Referred to in §524.211, 524.1611
IA Code § 524.213 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.213 - Duties and powers of superintendent.

524.213 Duties and powers of superintendent.   The superintendent shall have general control, supervision and regulation of all state banks and shall be charged with the administration, interpretation, and execution of the laws, rules, and regulations of this state and any other state or federal law or regulation relating to banks and banking and with such other duties and responsibilities as are imposed upon the superintendent by the laws of this state. The superintendent shall have power to adopt and promulgate such rules and regulations as necessary to carry out and enforce, properly and effectively, the provisions of this chapter and chapter 12C applicable to banks.  [C24, 27, 31, 35, 39, §9140; C46, 50, 54, 58, 62, 66, §524.10; C71, 73, 75, 77, 79, 81, §524.213]  2002 Acts, ch 1096, §15, 17; 2010 Acts, ch 1028, §6; 2017 Acts, ch 138, §1
IA Code § 524.214 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.214 - Subpoena — contempt.

524.214 Subpoena — contempt.   1. The superintendent and, upon the approval of the superintendent, any examiner or other employees of the banking division shall have the power to subpoena witnesses, to compel their attendance, to administer an oath, to examine any person under oath and to require the production of any relevant books or papers. Such examination may be conducted on any subject relating to the duties imposed upon, or powers vested in, the superintendent under the provisions of this chapter or any other chapter administered by the superintendent.   2. Whenever any person subpoenaed pursuant to subsection 1 of this section neglects or refuses to obey the terms of such subpoena, to produce books or papers or to give testimony, as required, the superintendent may apply to the district court of Polk county for the enforcement of such subpoena or the issuance of an order compelling such compliance as the court may direct.   3. The refusal of any person to obey an order of the district court, issued pursuant to subsection 2 of this section, without reasonable cause, shall be considered a contempt of that court.  [C97, §1877; S13, §1871; C24, 27, 31, 35, 39, §9226, 9236; C46, 50, 54, 58, 62, 66, §528.20, 528.30; C71, 73, 75, 77, 79, 81, §524.214]  2004 Acts, ch 1141, §12; 2007 Acts, ch 88, §4  Referred to in §524.217
IA Code § 524.215 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.215 - Records of division of banking.

524.215 Records of division of banking.   1. All records of the division of banking shall be public records subject to the provisions of chapter 22, except that all papers, documents, reports, reports of examinations, and other writings relating specifically to the supervision and regulation of any state bank or other person by the superintendent pursuant to the laws of this state shall not be public records and shall not be open for examination or copying by the public or for examination or publication by the news media.   2. The superintendent, members of the state banking council, examiners, or other employees of the banking division shall not be subpoenaed in any cause or proceeding to give testimony concerning information relating specifically to the supervision and regulation of any state bank or other person by the superintendent pursuant to the laws of this state, and the records of the banking division which relate specifically to the supervision and regulation of any such state bank or other such person shall not be offered in evidence in any court or subject to subpoena by any party except, where relevant:   a. In such actions or proceedings as are brought by the superintendent.   b. In any matter in which an interested and proper party seeks review of a decision of the superintendent.   c. In any action or proceeding which arises out of the criminal provisions of the laws of this state or the United States.   d. In any action brought as a shareholders derivative suit against a state bank or other entity regulated by the superintendent.   e. In an action brought to recover moneys for a loss in connection with an indemnity bond which was a result of embezzlement, misappropriation, or misuse of state bank funds by a director, officer, or employee of the state bank.   f. In an action brought to recover moneys for a loss in connection with an indemnity bond which was a result of embezzlement, misappropriation, or misuse of funds, belonging to an entity regulated by the superintendent, by a director, officer, or employee of the entity.  [C31, 35, §9146-c1; C39, §9146.1; C46, 50, 54, 58, 62, 66, §524.19; C71, 73, 75, 77, 79, 81, §524.215]  95 Acts, ch 148, §15; 96 Acts, ch 1056, §4; 2004 Acts, ch 1141, §13; 2007 Acts, ch 88, §5, 6; 2016 Acts, ch 1011, §100  Referred to in §524.212
IA Code § 524.215A (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 524 - BANKS|Section 524.215A - Preservation of division of banking records.

524.215A Preservation of division of banking records.   1. The division of banking may preserve records, papers, or documents kept by the division or in the possession or custody of the division by any of the following means:   a. Photographing or microphotographing, or otherwise reproducing upon film.   b. Preserving in any electronic medium or format capable of being read or scanned by computer and capable of being reproduced by printing or by any other form of reproduction of electronically stored data.   2. Photographs, microphotographs, or photographic films or copies thereof, or reproductions of electronically stored data, created pursuant to subsection 1 shall be deemed to be an original record for all purposes, including introduction in evidence in all state and federal courts or administrative hearings, and shall be admissible to prove any act, transaction, occurrence, or event therein recorded.   3. Photographs, microphotographs, or photographic films or copies thereof, or reproductions of electronically stored data, created pursuant to subsection 1 shall be preserved in such manner as the division prescribes, and the original photographs, microphotographs, photographic films, copies, and reproductions may be destroyed or otherwise disposed of as the division directs.   4. The division of banking may adopt a record retention policy authorizing the division to destroy communications received by electronic mail that are more than six months old.  2007 Acts, ch 170, §1; 2010 Acts, ch 1028, §7