reglab/housing_qa huggingface dataset:
7 PA Cons Stat § 6111 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 7 - BANKS AND BANKING|Chapter 61 - Mortgage Loan Industry Licensing and Consumer Protection|Section 6111 - License requirements

§ 6111. License requirements. (a) General rule.--Except as provided under subsections (b) and (c) and section 6112 (relating to exceptions to license requirements), on and after the effective date of this section, no person shall engage in the mortgage loan business in this Commonwealth without being licensed as a mortgage broker, mortgage lender, mortgage servicer or mortgage originator as provided under this chapter. A mortgage originator may not engage in the mortgage loan business unless the mortgage originator is sponsored in the Nationwide Mortgage Licensing System and Registry by a licensed mortgage broker, mortgage lender, mortgage servicer or mortgage loan correspondent, person excepted from this chapter or person excepted from licensure under section 6112 and is under the direct supervision and control of the sponsoring licensee or excepted person.  (b) Licensed activity exceptions.-- (1) A mortgage lender may: (i) Act as a mortgage broker without a separate mortgage broker license. (ii) Act as a mortgage servicer without a separate mortgage servicer license for mortgage loans the mortgage lender has originated, negotiated and owns.  (2) (Deleted by amendment). (3) A person licensed as a mortgage broker may only perform the services of a mortgage broker.  (4) A person only licensed as a mortgage servicer may only perform the services of a mortgage servicer.  (c) Loans for business or commercial purposes.--This chapter shall not apply to mortgage loans made for business or commercial purposes.  (Aug. 5, 2009, P.L.117, No.31, eff. imd.; July 2, 2013, P.L.210, No.38, eff. 60 days; Dec. 22, 2017, P.L.1260, No.81; Feb. 3, 2022, P.L.24, No.8, eff. 60 days)    2022 Amendment. Act 8 amended subsecs. (a) and (b)(1)(i) and deleted subsec. (b)(2).  2017 Amendment. Act 81 amended subsecs. (a) and (b). Section 9(2) of Act 81 provided that the amendment of section 6111 shall take effect upon the effective date of regulations promulgated under section 6141 of this title.  Cross References. Section 6111 is referred to in section 7331 of Title 18 (Crimes and Offenses).
7 PA Cons Stat § 6124 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 7 - BANKS AND BANKING|Chapter 61 - Mortgage Loan Industry Licensing and Consumer Protection|Section 6124 - Prohibited clauses in mortgage loan documents

§ 6124. Prohibited clauses in mortgage loan documents. No writing of any kind executed in connection with a mortgage loan shall contain: (1) An agreement whereby the consumer waives any rights accruing to the consumer under the provisions of this chapter.  (2) An irrevocable wage assignment of, or order for the payment of, any salary, wages, commissions or any other compensation for services, or any part thereof, earned or to be earned.  (3) An agreement to pay any amount other than the unpaid balance of the mortgage loan agreement or promissory note or any other charge authorized by this chapter.    Cross References. Section 6124 is referred to in section 6112 of this title.
7 PA Cons Stat § 6125 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 7 - BANKS AND BANKING|Chapter 61 - Mortgage Loan Industry Licensing and Consumer Protection|Section 6125 - Mortgage lending authority

§ 6125. Mortgage lending authority. (a) First mortgage loans.--Mortgage lenders engaged in the first mortgage loan business may make first mortgage loans pursuant to:  (1) the act of January 30, 1974 (P.L.13, No.6), referred to as the Loan Interest and Protection Law; or  (2) if the licensee is qualified, applicable Federal law, including the Alternative Mortgage Transaction Parity Act of 1982 (96 Stat. 1545, 12 U.S.C. § 3801 et seq.) and section 501 of the Depository Institution Deregulation and Monetary Control Act of 1980 (94 Stat. 161, 12 U.S.C. § 1735f-7a).  (b) Secondary mortgage loans.--Mortgage lenders engaged in the secondary mortgage loan business may:  (1) if the licensee is qualified, make secondary mortgage loans on terms as are permissible under applicable Federal law, including the Alternative Mortgage Transaction Parity Act of 1982; or  (2) (i) make secondary mortgage loans repayable in installments and charge, contract for and receive thereon interest at a rate not exceeding 1.85% per month. No interest shall be paid, deducted or received in advance, except that interest from the date of disbursement of funds to the consumer to the first day of the following month shall be permitted in the event the first installment payment is more than 30 days after the date of disbursement. Interest shall not be compounded and shall be computed only on unpaid principal balances. However, the inclusion of earned interest in a new note shall not be considered compounding. For the purpose of computing interest, a month shall be any period of 30 consecutive days;  (ii) charge and collect an origination fee not exceeding 3% of the original principal amount of the secondary mortgage loan. The fee shall be fully earned at the time the secondary mortgage loan is made and may be added to the principal amount of the secondary mortgage loan. No origination fee may be collected on subsequent advances made pursuant to an open-end loan if the full fee of 3% of the credit limit was collected at the time the open-end loan was made; and  (iii) charge and collect a delinquency charge of $20 or 10% of each payment, whichever is greater, for a payment which is more than 15 days late.  (Aug. 5, 2009, P.L.117, No.31, eff. imd.)   2009 Amendment. Act 31 amended subsec. (b)(2)(ii).  Cross References. Section 6125 is referred to in section 6112 of this title.
7 PA Cons Stat § 6134 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 7 - BANKS AND BANKING|Chapter 61 - Mortgage Loan Industry Licensing and Consumer Protection|Section 6134 - License duration

§ 6134. License duration. A license issued by the department shall be subject to all of the following limitations:  (1) Be renewed on the licensee's renewal date each year upon completion of the requirements of section 6131(h)  (relating to application for license). No refund of any portion of the license fee shall be made if the license is voluntarily surrendered to the department or suspended or revoked by the department prior to its expiration date.  (2) Be invalid if the licensee's authority to conduct business is voided under any law of this Commonwealth or any other state, unless the licensee demonstrates to the satisfaction of the department that the applicable court or governmental entity was clearly erroneous in voiding the licensee's authority to conduct business.  (3) Not be assignable or transferable by operation of law or otherwise.
7 PA Cons Stat § 6136 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 7 - BANKS AND BANKING|Chapter 61 - Mortgage Loan Industry Licensing and Consumer Protection|Section 6136 - Licensee limitations

§ 6136. Licensee limitations.   (a) Name and changes to name.--A licensee cannot transact any business under this chapter under any other name or names except those names designated in its license. A mortgage originator may not use any other name other than the mortgage originator's personal legal name. A licensee that changes its name or place or places of business shall notify the department or the Nationwide Mortgage Licensing System and Registry, as determined by the department, within ten days of the change.  (b) Other businesses.--A licensee cannot conduct a business other than the mortgage loan business licensed by the department under this chapter without at least 30 days' prior written notification to the department. (July 2, 2013, P.L.210, No.38, eff. 60 days)   2013 Amendment. Act 38 amended subsec. (a).
7 PA Cons Stat § 6137 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 7 - BANKS AND BANKING|Chapter 61 - Mortgage Loan Industry Licensing and Consumer Protection|Section 6137 - Surrender of license

§ 6137. Surrender of license.  Upon satisfying the department that all creditors of a licensee have been paid or that other arrangements satisfactory to the creditors and the department have been made, a licensee may voluntarily surrender its license to the department by providing the department or the Nationwide Mortgage Licensing System and Registry, as determined by the department, written notice that the license is being voluntarily surrendered, but an action by a licensee shall not affect the licensee's civil or criminal liability for acts committed. (July 2, 2013, P.L.210, No.38, eff. 60 days)
7 PA Cons Stat § 6140 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 7 - BANKS AND BANKING|Chapter 61 - Mortgage Loan Industry Licensing and Consumer Protection|Section 6140 - Penalties

§ 6140. Penalties.   (a) Persons operating without licenses.--A person subject to the provisions of this chapter and not licensed by the department who violates any provision of this chapter or who commits any action which would subject a license to suspension, revocation or nonrenewal under section 6139 (relating to suspension, revocation or refusal) may be fined by the department up to $10,000 for each offense.  (b) Violation by licensee.--A person licensed under this chapter or director, officer, owner, partner, employee, mortgage originator or agent of a licensee who violates a provision of this chapter or who commits any action which would subject the licensee to suspension, revocation or nonrenewal under section 6139 may be fined by the department up to $10,000 for each offense. (July 2, 2013, P.L.210, No.38, eff. 60 days)    2013 Amendment. Act 38 amended subsec. (b).  Cross References. Section 6140 is referred to in section 6112 of this title.
7 PA Cons Stat § 6141 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 7 - BANKS AND BANKING|Chapter 61 - Mortgage Loan Industry Licensing and Consumer Protection|Section 6141 - Mortgage servicers

§ 6141. Mortgage servicers. (a) Regulatory coordination.--In order to implement this chapter as applicable to mortgage servicers, the following apply:  (1) Subject to paragraph (2), the department shall promulgate regulations which effectively incorporate the Consumer Financial Protection Bureau's mortgage servicer regulations at 12 CFR Pt. 1024, Subpt. C (relating to mortgage servicing), other than 12 CFR 1024.30 (relating to scope). The regulations promulgated under this paragraph shall not apply to a reverse mortgage or timeshare or a person excepted from licensure under section 6112 (relating to exceptions to license requirements).  (2) When the Federal regulations under paragraph (1) are altered, the department shall promulgate regulations making the appropriate incorporation.  (3) Regulations under this subsection shall not be subject to any of the following: (i) Sections 201, 202, 203, 204 and 205 of the act of July 31, 1968 (P.L.769, No.240), referred to as the Commonwealth Documents Law.  (ii) Sections 204(b) and 301(10) of the act of October 15, 1980 (P.L.950, No.164), known as the Commonwealth Attorneys Act.  (iii) The act of June 25, 1982 (P.L.633, No.181), known as the Regulatory Review Act. (b) Failure of regulatory coordination.--If an alteration of Federal regulations under subsection (a)(2) results in a complete lack of Federal regulations in the area, all of the following apply:  (1) The version of the Pennsylvania regulations in effect at the time of the alteration shall remain in effect for two years.  (2) During the time period under paragraph (1), the department shall promulgate replacement regulations.  (Dec. 22, 2017, P.L.1260, No.81, eff. imd.; Feb. 3, 2022, P.L.24, No.8, eff. 60 days)   2022 Amendment. Act 8 amended subsec. (a)(1).  2017 Amendment. Act 81 added section 6141.
7 PA Cons Stat § 6151 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 7 - BANKS AND BANKING|Chapter 61 - Mortgage Loan Industry Licensing and Consumer Protection|Section 6151 - Applicability

§ 6151. Applicability.  The provisions of this chapter shall apply to: (1) Any mortgage loan which is: (i) negotiated, offered or otherwise transacted within this Commonwealth, in whole or in part, whether by the ultimate lender or any other person; (ii) made or executed within this Commonwealth; or (iii) notwithstanding the place of execution, secured by a dwelling or residential real estate located in this Commonwealth. (2) Any person who engages in the mortgage loan business in this Commonwealth. (July 2, 2013, P.L.210, No.38, eff. 60 days)    Cross References. Section 6151 is referred to in section 6112 of this title.
7 PA Cons Stat § 6152 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 7 - BANKS AND BANKING|Chapter 61 - Mortgage Loan Industry Licensing and Consumer Protection|Section 6152 - Relationship to other laws

§ 6152. Relationship to other laws. The following apply:  (1) A political subdivision may not enact or enforce any ordinance, resolution or regulation pertaining to the financial or lending activities of a person that:  (i) is subject to the jurisdiction of the department, including activities subject to this chapter;  (ii) is subject to the jurisdiction or regulatory supervision of the Board of Governors of the Federal Reserve System, the Office of the Comptroller of the Currency, the Office of Thrift Supervision, the National Credit Union Administration, the Federal Deposit Insurance Corporation, the Federal Trade Commission or the United States Department of Housing and Urban Development; or  (iii) originates, purchases, sells, assigns, securitizes or services any property interest or obligation created by a financial transaction or loan made, executed or originated by a person referred to in subparagraph (i) or (ii) or assists or facilitates such a transaction or loan.  (2) This section applies to any ordinance, resolution or regulation pertaining to financial or lending activity, including any ordinance, resolution or regulation:  (i) disqualifying a person from doing business with a political subdivision based upon financial or lending activity; or  (ii) imposing reporting requirements or any other obligations upon a person regarding financial or lending activity.
7 PA Cons Stat § 6153 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 7 - BANKS AND BANKING|Chapter 61 - Mortgage Loan Industry Licensing and Consumer Protection|Section 6153 - Preservation of existing contracts

§ 6153. Preservation of existing contracts. Nothing contained in this chapter shall be construed to impair or affect first or secondary mortgage loans executed prior to the effective date of this chapter.
8 PA Cons Stat § 101 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 8 - BOROUGHS AND INCORPORATED TOWNS|Chapter 1 - Preliminary Provisions|Section 101 - Short title of part

§ 101. Short title of part.  This part shall be known and may be cited as the Borough Code.
8 PA Cons Stat § 101.1 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 8 - BOROUGHS AND INCORPORATED TOWNS|Chapter 1 - Preliminary Provisions|Section 101.1 - Definitions

§ 101.1. Definitions.  The following words and phrases when used in this part shall have the meanings given to them in this section unless the context clearly indicates otherwise:  "Abutting property" or "abutting real estate." In reference to any street, the term shall mean any property physically adjoining the street, regardless of what the reversion rights in the street may be and regardless of where the lot lines may be in relation to the street.  "Council." A borough council.  "Highway." A State highway of this Commonwealth.  "Latest official census." The later of any of the following: (1) The most recent Federal decennial census. (2) A census conducted later in time than the census under paragraph (1) by the United States Census Bureau. "Municipal corporation." A city, borough, incorporated town, township of the first or second class or any home rule municipality other than a county. "Municipality." A municipal corporation or a county. "Pennsylvania Construction Code." The act of November 10, 1999 (P.L.491, No.45), known as the Pennsylvania Construction Code Act. "Pennsylvania Municipalities Planning Code." The act of July 31, 1968 (P.L.805, No.247), known as the Pennsylvania Municipalities Planning Code. "Street." Any street, road, lane, court, cul-de-sac, alley, public way and public square.
8 PA Cons Stat § 102 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 8 - BOROUGHS AND INCORPORATED TOWNS|Chapter 1 - Preliminary Provisions|Section 102 - Excluded provisions

§ 102. Excluded provisions.  This part shall not include any provisions and shall not be construed to repeal any acts relating to: (1) The assessment and valuation of property and persons for the purpose of taxation and the collection of taxes, except as provided in this part. (2) The collection of municipal claims by liens. (3) The method of incurring or increasing indebtedness. (4) Conduct of elections. (5) Public schools. (6) The powers and duties of borough and ward constables. (7) Magisterial district judges. (8) The giving of municipal consent to public utilities. (9) State highways. (10) Validations of elections, bonds, ordinances and acts of corporate officers. (11) 18 Pa.C.S. (relating to crimes and offenses). (12) 75 Pa.C.S. (relating to vehicles).    Cross References. Section 102 is referred to in section 3501 of this title.
8 PA Cons Stat § 103 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 8 - BOROUGHS AND INCORPORATED TOWNS|Chapter 1 - Preliminary Provisions|Section 103 - Construction of part

§ 103. Construction of part.   (a) Continuation.--The following shall apply: (1) The provisions of this part that are the same as those of laws existing on January 1, 1966, are intended as a continuation of laws existing on January 1, 1966, and not as new enactments. (2) The repeal by this part of any act or part of an act shall not revive any act or part repealed or superseded nor affect the corporate existence of any incorporated borough. (3) The provisions of this part shall not affect any of the following: (i) Any act done, liability incurred or right accrued or vested. (ii) Any suit or prosecution pending or to be instituted to enforce any right or penalty or punish any offense under the authority of the repealed laws. (4) All ordinances, resolutions, regulations and rules made under any act repealed under this part shall continue with the same force and effect as if the act had not been repealed to the extent that the ordinances, resolutions, regulations and rules could have been made under this part. (5) Any individual holding office under any act repealed by this part shall continue to hold office until the expiration of the term, subject to the conditions attached to the office prior to January 1, 1966.  (b) Powers and duties.--Borough council shall have the corporate powers and duties and borough officials shall have the powers and duties under this part and as provided in other laws to the extent that the powers and duties are not repealed under this part.
8 PA Cons Stat § 104 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 8 - BOROUGHS AND INCORPORATED TOWNS|Chapter 1 - Preliminary Provisions|Section 104 - Constitutional construction

§ 104. Constitutional construction.  The provisions of this part are severable. If any provision of this part or its application to any person or circumstance is held invalid, the invalidity shall not affect other provisions or applications of this part which can be given effect without the invalid provision or application.    Cross References. Section 104 is referred to in section 1302.1 of this title.
8 PA Cons Stat § 105 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 8 - BOROUGHS AND INCORPORATED TOWNS|Chapter 1 - Preliminary Provisions|Section 105 - Construction of references

§ 105. Construction of references.  If reference is made in this part to any act, the reference shall apply to and include any codification in which the provisions of the act referred to are substantially reenacted.
8 PA Cons Stat § 106 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 8 - BOROUGHS AND INCORPORATED TOWNS|Chapter 1 - Preliminary Provisions|Section 106 - Application

§ 106. Application.   (a) General.--This part shall apply to all boroughs.  (b) Prior acts.--This part shall not annul or repeal any local or special act or part of a local or special act in force on January 1, 1966.  (c) Local law.--The following shall apply: (1) The provisions of this part similar to the provisions of the former act of May 14, 1915 (P.L.312, No.192), entitled "An act providing a system of government for boroughs, and revising, amending, and consolidating the law relating to boroughs," shall apply to boroughs incorporated under local laws in the same manner as similar provisions of the former act of May 4, 1927 (P.L.519, No.336), entitled "An act concerning boroughs, and revising, amending and consolidating the law relating to boroughs," were extended to boroughs acting under local laws. (2) If a provision of this part conflicts with a special or local law applicable to a borough that has not been surrendered, the provisions shall be construed so that effect may be given to both. If the conflict between the provisions is irreconcilable, the provision in the local or special law shall prevail.
8 PA Cons Stat § 107 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 8 - BOROUGHS AND INCORPORATED TOWNS|Chapter 1 - Preliminary Provisions|Section 107 - Acceptance

§ 107. Acceptance.   (a) Petition.--The following shall apply: (1) A borough incorporated or acting under any local or special act may surrender the provisions of its special and local acts in their entirety or as they are inconsistent with this part and be governed by this part by presenting a petition to the court of common pleas of the county setting forth the desire of the borough to accept the provisions of this part. (2) The petition under paragraph (1) shall indicate whether it is the desire of the borough to surrender all of its special and local acts or to retain its special and local acts that are not inconsistent with this part. (3) If the petition indicates a desire to retain local or special acts, it shall indicate the local or special acts to be retained. The petition shall be made by the council or by at least 10% of the registered electors of the borough as of the date the petition is filed.  (b) Hearing.--The following shall apply: (1) Upon the presentation of a petition under subsection (a), the court shall set and provide notice of a hearing date. An inhabitant of the borough may remonstrate against the granting of the petition at the hearing. (2) If the court grants the petition, the decree of the court shall be recorded in the office for the recording of deeds, and the borough shall be subject to this part and any local or special acts retained as set forth in the petition. On and after the date of the decree, any local or special act applicable to the borough shall no longer apply to the borough if it is inconsistent with this part or has been surrendered.  (c) Force and effect.--If a borough accepts this part under this section, all of the following shall continue with the same force and effect as if no acceptance had been made: (1) Liabilities incurred. (2) Rights accrued or vested. (3) Obligations issued or contracted. (4) Suits and prosecutions pending or to be instituted to enforce any right or penalty accrued or to punish any offense committed prior to the acceptance. (5) Ordinances.    Cross References. Section 107 is referred to in section 107.1 of this title.