reglab/housing_qa huggingface dataset:
NV Rev Stat § 676A.140 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.140 - "Debt-management services" defined.

Debt-management services means services as an intermediary between an individual and one or more creditors of the individual for the purpose of obtaining concessions and includes credit counseling, the development and implementation of debt-management plans and debt settlement services. The term does not include:  1. Legal services provided in an attorney-client relationship by an attorney licensed or otherwise authorized to practice law in this State;  2. Accounting services provided in an accountant-client relationship by a certified public accountant licensed to provide accounting services in this State; or  3. Financial-planning services provided in a financial planner-client relationship by a member of a financial-planning profession whose members the Commissioner, by regulation, determines are:  (a) Licensed by this State;  (b) Subject to a disciplinary mechanism;  (c) Subject to a code of professional responsibility; and  (d) Subject to a continuing education requirement.  (Added to NRS by 2009, 1971)
NV Rev Stat § 676A.150 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.150 - "Debt settlement services" defined.

Debt settlement services means debt-management services which contemplate that:  1. Regular, periodic payments will be made by or on behalf of the individual to whom the services are being provided;  2. The individual will accumulate such payments in a bank account which is insured by the Federal Deposit Insurance Corporation, owned by the individual and not controlled by the provider; and  3. The individual will use the accumulated amount of the payments made pursuant to subsection 1 to make payments to:  (a) The provider for any fees charged by the provider pursuant to NRS 676A.580; and  (b) Creditors in order to settle the debts of the individual for less than the principal amount of the debt.  (Added to NRS by 2009, 1972)
NV Rev Stat § 676A.160 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.160 - "Entity" defined.

Entity means a person other than an individual.  (Added to NRS by 2009, 1972)
NV Rev Stat § 676A.170 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.170 - "Good faith" defined.

Good faith means honesty in fact and the observance of reasonable standards of fair dealing.  (Added to NRS by 2009, 1972)
NV Rev Stat § 676A.180 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.180 - "Person" defined.

Person means an individual, corporation, business trust, estate, trust, partnership, limited-liability company, association, joint venture or any other legal or commercial entity. The term does not include a public corporation, government or governmental subdivision, agency or instrumentality.  (Added to NRS by 2009, 1972)
NV Rev Stat § 676A.190 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.190 - "Plan" defined.

Plan means a program or strategy in which a provider furnishes debt-management services to an individual and which includes a schedule of payments to be made by or on behalf of the individual and used to pay debts owed by the individual.  (Added to NRS by 2009, 1972)
NV Rev Stat § 676A.200 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.200 - "Principal amount of the debt" defined.

Principal amount of the debt means the amount of a debt at the time of an agreement.  (Added to NRS by 2009, 1972)
NV Rev Stat § 676A.210 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.210 - "Provider" defined.

Provider means a person that provides, offers to provide or agrees to provide debt-management services directly or through others.  (Added to NRS by 2009, 1972)
NV Rev Stat § 676A.220 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.220 - "Record" defined.

Record means information which is inscribed on a tangible medium or which is stored in an electronic or other medium and is retrievable in perceivable form.  (Added to NRS by 2009, 1972)
NV Rev Stat § 676A.230 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.230 - "Settlement fee" defined.

Settlement fee means a charge imposed on or paid by an individual in connection with a creditor’s assent to accept in full satisfaction of a debt an amount less than the principal amount of the debt.  (Added to NRS by 2009, 1972)
NV Rev Stat § 676A.240 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.240 - "Sign" defined.

Sign means, with present intent to authenticate or adopt a record:  1. To execute or adopt a tangible symbol; or  2. To attach to or logically associate with the record an electronic sound, symbol or process.  (Added to NRS by 2009, 1972)
NV Rev Stat § 676A.250 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.250 - "State" defined.

State means a state of the United States, the District of Columbia, Puerto Rico, the United States Virgin Islands, or any territory or insular possession subject to the jurisdiction of the United States.  (Added to NRS by 2009, 1972)
NV Rev Stat § 676A.260 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.260 - "Trust account" defined.

Trust account means an account held by a provider that is:  1. Established in an insured bank;  2. Separate from other accounts of the provider or its designee;  3. Designated as a trust account or other account designated to indicate that the money in the account is not the money of the provider or its designee; and  4. Used to hold money of one or more individuals for disbursement to creditors of the individuals.  (Added to NRS by 2009, 1973)
NV Rev Stat § 676A.270 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.270 - Applicability. [Effective through December 31, 2019.]

  1. This chapter does not apply to an agreement with an individual who the provider has no reason to know resides in this State at the time of the agreement.  2. This chapter does not apply to a provider to the extent that the provider:  (a) Provides or agrees to provide debt-management, educational or counseling services to an individual who the provider has no reason to know resides in this State at the time the provider agrees to provide the services; or  (b) Receives no compensation for debt-management services from or on behalf of the individuals to whom it provides the services or from their creditors.  3. This chapter does not apply to the following persons or their employees when the person or the employee is engaged in the regular course of the person’s business or profession:  (a) A judicial officer, a person acting under an order of a court or an administrative agency or an assignee for the benefit of creditors;  (b) A bank;  (c) An affiliate, as defined in paragraph (a) of subsection 2 of NRS 676A.030, of a bank if the affiliate is regulated by a federal or state banking regulatory authority; or  (d) A title insurer, escrow company or other person that provides bill-paying services if the provision of debt-management services is incidental to the bill-paying services.  (Added to NRS by 2009, 1973)
NV Rev Stat § 676A.270 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.270 - Applicability. [Effective January 1, 2020.]

  1. This chapter does not apply to an agreement with an individual who the provider has no reason to know resides in this State at the time of the agreement.  2. This chapter does not apply to a provider to the extent that the provider:  (a) Provides or agrees to provide debt-management, educational or counseling services to an individual who the provider has no reason to know resides in this State at the time the provider agrees to provide the services; or  (b) Receives no compensation for debt-management services from or on behalf of the individuals to whom it provides the services or from their creditors.  3. This chapter does not apply to the following persons or their employees when the person or the employee is engaged in the regular course of the person’s business or profession:  (a) A judicial officer, a person acting under an order of a court or an administrative agency or an assignee for the benefit of creditors;  (b) A bank;  (c) An affiliate, as defined in paragraph (a) of subsection 2 of NRS 676A.030, of a bank if the affiliate is regulated by a federal or state banking regulatory authority; or  (d) A title insurer, escrow company or other person that provides bill-paying services if the provision of debt-management services is incidental to the bill-paying services.  4. Except as otherwise required by the Director of the Department of Business and Industry pursuant to NRS 657A.430 or 657A.620, this chapter does not apply to a participant in the Regulatory Experimentation Program for Product Innovation established and administered pursuant to chapter 657A of NRS.  (Added to NRS by 2009, 1973; A 2019, 3999, effective January 1, 2020)
NV Rev Stat § 676A.280 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.280 - Uniformity of application and construction.

In applying and construing the Uniform Debt-Management Services Act, consideration must be given to the need to promote uniformity of the law with respect to its subject matter among states that enact it.  (Added to NRS by 2009, 1997)
NV Rev Stat § 676A.290 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.290 - Relation to Electronic Signatures in Global and National Commerce Act.

This chapter modifies, limits and supersedes the federal Electronic Signatures in Global and National Commerce Act, 15 U.S.C. §§ 7001 et seq., but does not modify, limit or supersede section 101(c) of that act, 15 U.S.C. § 7001(c), or authorize electronic delivery of any of the notices described in section 103(b) of that act, 15 U.S.C. § 7003(b).  (Added to NRS by 2009, 1998)
NV Rev Stat § 676A.300 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.300 - Registration required.

  1. Except as otherwise provided in subsection 2, a provider may not provide debt-management services to an individual who it reasonably should know resides in this State at the time it agrees to provide the services, unless the provider is registered under this chapter.  2. If a provider is registered under this chapter, subsection 1 does not apply to an employee or agent of the provider.  3. The Commissioner shall maintain and publicize a list of the names of all registered providers.  (Added to NRS by 2009, 1973)
NV Rev Stat § 676A.310 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.310 - Application for registration: Form; contents; fee; bond; evidence of insurance.

  1. An application for registration as a provider must be in a form prescribed by the Commissioner.  2. Subject to adjustment of dollar amounts pursuant to subsection 6 of NRS 676A.730, an application for registration as a provider must be accompanied by:  (a) The fee established by the Commissioner;  (b) The bond required by NRS 676A.390;  (c) If the debt-management services to be provided by the provider will include the development and implementation of debt-management plans, identification of all trust accounts required by NRS 676A.570 and an irrevocable consent authorizing the Commissioner to review and examine the trust accounts;  (d) Evidence of insurance in the amount of $250,000:  (1) Against the risks of dishonesty, fraud, theft and other misconduct on the part of the applicant or a director, employee or agent of the applicant;  (2) Issued by an insurance company authorized to do business in this State and rated at least A or equivalent by a nationally recognized rating organization approved by the Commissioner;  (3) With a deductible not exceeding $5,000;  (4) Payable for the benefit of the applicant, this State and individuals who are residents of this State, as their interests may appear; and  (5) Not subject to cancellation by the applicant or the insurer until 60 days after written notice has been given to the Commissioner;  (e) Proof of compliance with NRS 360.760 to 360.796, inclusive; and  (f) If the applicant is exempt from taxation, evidence of nonprofit and tax-exempt status applicable to the applicant under the Internal Revenue Code, 26 U.S.C. § 501.  (Added to NRS by 2009, 1973)
NV Rev Stat § 676A.330 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.330 - Duty to report changes in information.

An applicant or registered provider shall notify the Commissioner within 10 days after a change in the information specified in paragraph (d) or (f) of subsection 2 of NRS 676A.310 or subsection 1, 3, 6, 12 or 13 of NRS 676A.320.  (Added to NRS by 2009, 1975)
NV Rev Stat § 676A.340 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.340 - Commissioner to make certain information available; certain information confidential.

  1. Except as otherwise provided in subsection 2, the Commissioner shall make the information in an application for registration as a provider available to the public.  2. Except as otherwise provided in NRS 239.0115, the information required by subsections 7, 14 and 17 of NRS 676A.320 and the addresses required by subsection 4 of NRS 676A.320 are confidential and not subject to inspection by the general public.  (Added to NRS by 2009, 1975)
NV Rev Stat § 676A.350 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.350 - Issuance of certificate of registration; temporary certificate of registration; grounds for denial of registration.

  1. Except as otherwise provided in subsections 3 and 4, the Commissioner shall issue a certificate of registration as a provider to a person that complies with NRS 676A.310 and 676A.320.  2. If an applicant has otherwise complied with NRS 676A.310 and 676A.320, including a timely effort to obtain the information required by subsection 14 of NRS 676A.320, but the information has not been received, the Commissioner may issue a temporary certificate of registration. The temporary certificate expires not later than 180 days after issuance.  3. The Commissioner may deny registration if:  (a) The application contains information that is materially erroneous or incomplete;  (b) An officer, director or owner of the applicant has been convicted of a crime, or suffered a civil judgment, involving dishonesty or the violation of state or federal securities laws;  (c) The applicant or any of its officers, directors or owners have defaulted in the payment of money collected for others; or  (d) The Commissioner finds that the financial responsibility, experience, character or general fitness of the applicant or its owners, directors, employees or agents does not warrant belief that the business will be operated in compliance with this chapter.  4. The Commissioner shall deny registration if, with respect to an applicant that is organized as a nonprofit entity or has obtained tax-exempt status under the Internal Revenue Code, 26 U.S.C. § 501, the applicant’s board of directors is not independent of the applicant’s employees and agents.  5. Subject to adjustment of the dollar amount pursuant to subsection 6 of NRS 676A.730, a board of directors is not independent for purposes of subsection 4 if more than one-fourth of its members:  (a) Are affiliates of the applicant, as defined in subsection 1 of NRS 676A.030 or paragraph (a), (b), (d), (e), (f) or (g) of subsection 2 of NRS 676A.030; or  (b) After the date 10 years before first becoming a director of the applicant, were employed by or directors of a person that received from the applicant more than $25,000 in either the current year or the preceding year.  (Added to NRS by 2009, 1976)
NV Rev Stat § 676A.360 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.360 - Commissioner to approve or deny registration within certain period; extension to obtain additional information; appeal of denial; period of validity of registration.

  1. The Commissioner shall approve or deny an initial registration as a provider within 120 days after an application is filed. In connection with a request pursuant to subsection 19 of NRS 676A.320 for additional information, the Commissioner may extend the 120-day period for not more than 60 days. Within 7 days after denying an application, the Commissioner, in a record, shall inform the applicant of the reasons for the denial.  2. If the Commissioner denies an application for registration as a provider or does not act on an application within the time prescribed in subsection 1, the applicant may appeal and request a hearing pursuant to NRS 233B.121 to 233B.150, inclusive.  3. Subject to subsection 4 of NRS 676A.370 and NRS 676A.750, a registration as a provider is valid for 1 year.  (Added to NRS by 2009, 1976)
NV Rev Stat § 676A.380 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.380 - Alternative application for registration for applicants licensed or certified in another state; conditions.

If a provider holds a license or certificate of registration in another state authorizing it to provide debt-management services, the provider may submit a copy of that license or certificate and the application for it instead of an application in the form prescribed by subsection 1 of NRS 676A.310, NRS 676A.320 or subsection 2 of NRS 676A.370. The Commissioner shall accept the application and the license or certificate from the other state as an application for registration as a provider or for renewal of registration as a provider, as appropriate, in this State if:  1. The application in the other state contains information substantially similar to or more comprehensive than that required in an application submitted in this State;  2. The applicant provides the information required by subsections 1, 3, 10, 12 and 13 of NRS 676A.320; and  3. The applicant, under oath, certifies that the information contained in the application is current or, to the extent it is not current, supplements the application to make the information current.  (Added to NRS by 2009, 1978)
NV Rev Stat § 676A.400 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.400 - Substitute for surety bond.

  1. Instead of the surety bond required by NRS 676A.390, a provider may deliver to the Commissioner, in the amount required by subsection 2 of NRS 676A.390, and, except as otherwise provided in subparagraph (1) of paragraph (b), payable or available to this State and to individuals who reside in this State when they agree to receive debt-management services from the provider, as their interests may appear, if the provider or its agent does not comply with this chapter:  (a) A certificate of insurance issued by an insurance company authorized to do business in this State and rated at least A or equivalent by a nationally recognized rating organization, approved by the Commissioner and with no deductible, or, if the provider supplies a bond in the amount of $5,000, a deductible not exceeding $5,000; or  (b) With the approval of the Commissioner:  (1) An irrevocable letter of credit, issued or confirmed by a bank approved by the Commissioner, payable upon presentation of a certificate by the Commissioner stating that the provider or its agent has not complied with this chapter; or  (2) Bonds or other obligations of the United States or guaranteed by the United States or bonds or other obligations of this State or a political subdivision of this State, to be deposited and maintained with a bank approved by the Commissioner for this purpose.  2. If a provider furnishes a substitute pursuant to subsection 1, the provisions of subsections 1, 3, 4 and 5 of NRS 676A.390 apply to the substitute.  (Added to NRS by 2009, 1979)
NV Rev Stat § 676A.500 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.500 - Provider to act in good faith; fiduciary duty.

  1. A provider shall act in good faith in all matters under this chapter.  2. A provider who holds funds on behalf of an individual to whom it provides debt-management services shall act as a fiduciary with respect to those funds.  (Added to NRS by 2009, 1980)
NV Rev Stat § 676A.510 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.510 - Provider to maintain toll-free communication system.

A provider that is required to be registered under this chapter shall maintain a toll-free communication system, staffed at a level that reasonably permits an individual to speak to a certified counselor, certified debt specialist or customer service representative, as appropriate, during ordinary business hours.  (Added to NRS by 2009, 1980)
NV Rev Stat § 676A.550 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.550 - Cancellation of agreement.

  1. An individual may cancel an agreement before midnight of the third business day after the individual assents to it, unless the agreement does not comply with subsection 2 or NRS 676A.540 or 676A.700, in which event the individual may cancel the agreement within 30 days after the individual assents to it. To exercise the right to cancel, the individual must give notice in a record to the provider. Notice by mail is given when mailed.  2. An agreement must be accompanied by a form that contains in boldface type, surrounded by bold black lines: NOTICE OF RIGHT TO CANCEL  You may cancel this agreement, without any penalty or obligation, at any time before midnight of the third business day that begins the day after you agree to it by electronic communication or by signing it.  To cancel this agreement during this period, send an e-mail to ____________________ (e-mail address of provider) or mail or deliver a signed, dated copy of this notice, or any other written notice to ____________________ (name of provider) at ____________________ (address of provider) before midnight on ____________________ (date). If you cancel this agreement within the 3-day period, we will refund all money you already have paid us.  You also may terminate this agreement at any later time, but we may not be required to refund fees you have paid us.  I cancel this agreement, ______________________________________________ Print your name ______________________________________________ Signature ______________________________________________ Date  3. If a personal financial emergency necessitates the disbursement of an individual’s money to one or more of the individual’s creditors before the expiration of 3 days after an agreement is signed, an individual may waive the right to cancel. To waive the right, the individual must send or deliver a signed, dated statement in the individual’s own words describing the circumstances that necessitate a waiver. The waiver must explicitly waive the right to cancel. A waiver by means of a standard form record is void.  (Added to NRS by 2009, 1986)
NV Rev Stat § 676A.560 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.560 - Disclosures and documents to be in English; provider also must furnish translation if language other than English is used in communications.

Unless the Commissioner, by regulation, provides otherwise, the disclosures and documents required by this chapter must be in English. If a provider communicates with an individual primarily in a language other than English, the provider must furnish a translation into the other language of the disclosures and documents required by this chapter.  (Added to NRS by 2009, 1986)