reglab/housing_qa huggingface dataset:
CT Gen Stat § 36a-496. (Formerly Sec. 36-440k) (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 668 - Nondepository Financial Institutions|Section 36a-496. (Formerly Sec. 36-440k) - Applications and referrals from unlicensed mortgage brokers or mortgage loan originators.

 No person engaged in the business of making residential mortgage loans in this state, whether licensed in accordance with the provisions of sections 36a-485 to 36a-498e, inclusive, 36a-534a and 36a-534b or exempt from licensing, shall accept applications or referral of applicants from, or pay a fee to, any mortgage broker or mortgage loan originator who is required to be licensed under said sections but was not, as of the time of the performance of such mortgage broker's or mortgage loan originator's services in connection with loans made or to be made by the mortgage lender or mortgage correspondent lender, licensed to act as such by the commissioner, if the mortgage lender or mortgage correspondent lender has actual knowledge that the mortgage broker or mortgage loan originator was not licensed by the commissioner.(P.A. 91-306, S. 2; P.A. 02-111, S. 12; P.A. 04-69, S. 9; P.A. 07-156, S. 13; P.A. 08-176, S. 31, 51; P.A. 09-209, S. 15; P.A. 18-173, S. 16.)History: Sec. 36-440k transferred to Sec. 36a-496 in 1995; P.A. 02-111 extended prohibition to include accepting applications or referrals of applications from, or payment of fees to, unregistered originators and replaced references to “mortgage broker” with references to “first mortgage broker”; P.A. 04-69 substituted “36a-498a” for “36a-498”; P.A. 07-156 deleted references to “registered”, effective September 30, 2008; P.A. 08-176 changed effective date of P.A. 07-156, S. 13, from September 30, 2008, to July 1, 2008, added language re person not licensed at the time of performance of services, added references to “mortgage correspondent lender” and made conforming changes, effective July 1, 2008; P.A. 09-209 changed “mortgage loans” to “residential mortgage loans”, effective July 31, 2009; P.A. 18-173 replaced reference to Sec. 36a-498a with reference to Sec. 36a-498e and added references to Secs. 36a-534a and 36a-534b.
CT Gen Stat § 36a-498b (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 668 - Nondepository Financial Institutions|Section 36a-498b - Release of secondary mortgage. Notice of outstanding balance of obligation secured by secondary mortgage.

 (a) Each mortgage lender, mortgage correspondent lender and mortgage broker, all as defined in section 36a-485 and licensed under section 36a-489, shall deliver to the mortgagor a release of a secondary mortgage: (1) Upon receipt by such licensee of cash or a certified check in the amount of the outstanding balance of the obligation secured by such mortgage; or (2) upon payment by the payor bank, as defined in section 42a-4-105, of any check that is payable to such licensee or its assignee in the amount of the outstanding balance of the obligation secured by such mortgage.(b) Each such licensee shall advise any person designated by the mortgagor of the amount of the outstanding balance of the obligation secured by the secondary mortgage granted to such licensee no later than the second business day after the licensee receives a request for such information.(P.A. 08-176, S. 55.)History: P.A. 08-176 effective July 1, 2008.
CT Gen Stat § 36a-498c (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 668 - Nondepository Financial Institutions|Section 36a-498c - Adoption of mortgage loan policy with respect to subprime mortgage loans and nontraditional mortgage loans.

 At least once a year, each mortgage lender and mortgage correspondent lender, both as defined in section 36a-485 and licensed under section 36a-489, shall adopt a mortgage loan policy with respect to subprime mortgage loans and nontraditional mortgage loans made by such mortgage lender or such mortgage correspondent lender based on and consistent with the most current version of the Conference of State Bank Supervisors, American Association of Residential Mortgage Regulators and National Association of Consumer Credit Administrators Statement on Subprime Mortgage Lending, and the Conference of State Bank Supervisors and American Association of Residential Mortgage Regulators Guidance on Nontraditional Mortgage Product Risks. Such licensees shall comply with such policy and develop and implement internal controls that are reasonably designed to ensure such compliance. The mortgage loan policy and any residential mortgage loan, as defined in section 36a-485, made pursuant to the policy shall be subject to examination concerning prudent lending practices by the commissioner.(P.A. 08-176, S. 56; P.A. 09-209, S. 4.)History: P.A. 08-176 effective July 1, 2008; P.A. 09-209 changed “mortgage loan” to “residential mortgage loan” and “Banking Commissioner” to “commissioner”, effective July 31, 2009.
CT Gen Stat § 36a-498f (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 668 - Nondepository Financial Institutions|Section 36a-498f - Authority of commissioner re investigations and examinations. Prohibited acts by subjects of investigation or examination.

 Section 36a-498f is repealed, effective October 1, 2018.(P.A. 09-209, S. 19; P.A. 17-38, S. 13; P.A. 18-173, S. 101.)
CT Gen Stat § 36a-498g (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 668 - Nondepository Financial Institutions|Section 36a-498g - Severability.

 If any provision or application of section 36a-21, sections 36a-485 to 36a-498e, inclusive, or sections 36a-498h, 36a-534a and 36a-534b to any person or circumstance is held invalid by a court of this state, the remainder of said sections or the application of such provision to other persons or circumstances shall not be affected.(P.A. 09-209, S. 22; P.A. 18-173, S. 21.)History: P.A. 09-209 effective July 31, 2009; P.A. 18-173 replaced reference to Sec. 36a-498f with reference to Sec. 36a-498e, added reference to Sec. 36a-498h, and made a technical change.
CT Gen Stat § 36a-498h (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 668 - Nondepository Financial Institutions|Section 36a-498h - Lead generator licensees. Prohibited acts.

 (a) No person required to be licensed as a lead generator shall, while engaged in lead generation activities:(1) Initiate any outbound telephone call using an automatic telephone dialing system or an artificial or prerecorded voice without the prior express written consent of the recipient;(2) Fail to transmit the lead generator's name and telephone number to any caller identification service in use by a consumer;(3) Initiate an outbound telephone call to a consumer's residence between nine o'clock p.m. and eight o'clock a.m. local time in the consumer's location;(4) Fail to clearly and conspicuously identify the lead generator and the purpose of the contact in its written and oral communications with a consumer;(5) Fail to provide the ability to opt out of any unsolicited advertisement communicated to a consumer via an electronic mail address;(6) Initiate an unsolicited advertisement via electronic mail to a consumer more than ten business days after the receipt of a request from such consumer to opt out of such unsolicited advertisements;(7) Use a subject heading or electronic mail address in a commercial electronic mail message that would likely mislead a recipient, acting reasonably under the circumstances, about a material fact regarding the sender, contents or subject matter of the message;(8) Sell, lease, exchange or otherwise transfer or release the electronic mail address or telephone number of a consumer who has requested to opt out of future solicitations;(9) Collect, buy, lease, exchange or otherwise transfer or receive an individual's Social Security number or bank account number;(10) Use information from a trigger lead to solicit consumers who have opted out of firm offers of credit under the federal Fair Credit Reporting Act;(11) Initiate a telephone call to a consumer who has placed his or her contact information on a federal or state Do Not Call list, unless the consumer has provided express written consent;(12) Represent to the public, through advertising or other means of communicating or providing information, including, but not limited to, the use of business cards or stationery, brochures, signs or other promotional items, that such lead generator can or will perform any other activity requiring licensure under this title, unless such lead generator is duly licensed to perform such other activity or exempt from such licensure requirements; or(13) Refer applicants to, or receive a fee from, any person who is required to be licensed under this title but was not so licensed as of the time of performance of such lead generator's services.(b) A violation of any provision of this section shall be deemed an unfair or deceptive act or practice pursuant to subsection (a) of section 42-110b.(P.A. 17-38, S. 16.)History: P.A. 17-38 effective January 1, 2018.
CT Gen Stat § 36a-518. (Formerly Sec. 36-224i) (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 668 - Nondepository Financial Institutions|Section 36a-518. (Formerly Sec. 36-224i) - Regulations.

 Section 36a-518 is repealed, effective October 1, 2002.(P.A. 77-228, S. 9; P.A. 02-111, S. 51.)
CT Gen Stat § 36a-534a (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 668 - Nondepository Financial Institutions|Section 36a-534a - Notice of discriminatory lending practices. Violation as grounds for license suspension, revocation or nonrenewal.

 (a) Any mortgage broker, or mortgage lender or mortgage correspondent lender, as defined in section 36a-485 and licensed pursuant to section 36a-489, shall notify the commissioner by written affidavit if any such mortgage broker, mortgage lender or mortgage correspondent lender, as a result of a transaction in which such mortgage broker, mortgage lender or mortgage correspondent lender was involved, reasonably believes that the lending practices of a financial institution or federal bank violate section 36a-737 or 46a-66. Such mortgage broker, mortgage lender or mortgage correspondent lender shall provide the commissioner with any written document containing lending restrictions which a financial institution or federal bank has provided to such mortgage broker, mortgage lender or mortgage correspondent lender. In the event the commissioner finds that there is a reasonable basis for said notification, the commissioner shall notify the Commission on Human Rights and Opportunities of said notification and the action the commissioner plans to take with respect thereto.(b) The commissioner may suspend, revoke or refuse to renew the license of any such broker or lender who violates subsection (a) of this section.(P.A. 98-221; P.A. 99-36, S. 31; P.A. 02-111, S. 28; P.A. 08-176, S. 57.)History: P.A. 99-36 made technical changes; P.A. 02-111 amended Subsec. (a) by adding references to “first” mortgage broker, “secondary mortgage” broker and “mortgage” lender and made a technical change in Subsec. (b); P.A. 08-176 amended Subsec. (a) to add references to “mortgage correspondent lender” and make conforming changes, effective July 1, 2008.
CT Gen Stat § 36a-534c (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 668 - Nondepository Financial Institutions|Section 36a-534c - Reports re system.

 Section 36a-534c is repealed, effective June 9, 2017.(P.A. 07-156, S. 25; P.A. 08-176, S. 67; P.A. 12-96, S. 17; P.A. 17-38, S. 17.)
CT Gen Stat § 36a-536. (Formerly Sec. 36-255) (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 668 - Nondepository Financial Institutions|Section 36a-536. (Formerly Sec. 36-255) - License required. Location of licensed activity.

 No person, unless excluded from the definition of a “sales finance company” as provided in section 36a-535, shall engage in the business of a sales finance company unless such person has obtained a license for its main office and for each branch office where such business is conducted in accordance with the provisions of sections 36a-535 to 36a-547, inclusive. Any activity subject to licensure pursuant to sections 36a-535 to 36a-547, inclusive, shall be conducted from an office located in a state, as defined in section 36a-2. A licensee under sections 36a-535 to 36a-547, inclusive, shall not be required to obtain any other license in this state in order to perform any act permitted or required to be performed by such licensee under said sections.(1949 Rev., S. 5964 (1), (6); March, 1958, P.A. 27, S. 32; P.A. 81-128, S. 6; P.A. 94-122, S. 250, 340; P.A. 18-173, S. 24.)History: P.A. 81-128 eliminated reference to repealed Subsec. (h) of Sec. 36-254 and clarified licensing exemption; P.A. 94-122 made technical changes, effective January 1, 1995; Sec. 36-255 transferred to Sec. 36a-536 in 1995; P.A. 18-173 replaced reference to person licensed as provided in Secs. 36a-535 to 36a-546 with provision re person obtaining license for main office and each branch office, added provision re activities to be conducted from office located in a state, and made a conforming change.
CT Gen Stat § 36a-538. (Formerly Sec. 36-256b) (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 668 - Nondepository Financial Institutions|Section 36a-538. (Formerly Sec. 36-256b) - Payment of cost of investigation.

 Each person applying for a license as a sales finance company or a renewal thereof shall pay the actual cost, at the discretion of and as determined by the commissioner, of any investigation or examination made of such person by the commissioner.(1967, P.A. 631, S. 7; P.A. 94-122, S. 252, 340.)History: P.A. 94-122 made technical changes, effective January 1, 1995; Sec. 36-256b transferred to Sec. 36a-538 in 1995.
CT Gen Stat § 36a-544. (Formerly Sec. 36-260b) (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 668 - Nondepository Financial Institutions|Section 36a-544. (Formerly Sec. 36-260b) - Regulations.

 (a) The commissioner may adopt regulations, in accordance with chapter 54, as necessary to carry out the provisions of sections 36a-535 to 36a-547, inclusive, including the defining of any terms, whether or not used in said sections, so far as the definitions are not inconsistent with the provisions of said sections.(b) No regulation may be adopted under this section unless the commissioner finds that the action is necessary or appropriate in the public interest or for the protection of purchasers and consistent with the purposes fairly intended by the policy and provisions of sections 36a-535 to 36a-547, inclusive.(1967, P.A. 631, S. 6; P.A. 94-122, S. 257, 340; P.A. 18-173, S. 90.)History: P.A. 94-122 made technical changes, effective January 1, 1995; Sec. 36-260b transferred to Sec. 36a-544 in 1995; P.A. 18-173 replaced references to Sec. 36a-546 with references to Sec. 36a-547.
CT Gen Stat § 36a-545. (Formerly Sec. 36-262a) (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 668 - Nondepository Financial Institutions|Section 36a-545. (Formerly Sec. 36-262a) - Books and records.

 Each applicant or licensee shall have established bookkeeping methods and shall keep books and records at the place of business specified in the license in a form and manner satisfactory to the commissioner, or shall make such books and records available at such place of business not later than five business days after requested by the commissioner. All such books and records shall be preserved for at least two years after the making of the final entry therein.(1967, P.A. 631, S. 8; P.A. 00-61, S. 4, 9.)History: Sec. 36-262a transferred to Sec. 36a-545 in 1995; P.A. 00-61 added provision re availability of books and records at place of business, effective July 1, 2000.
CT Gen Stat § 36a-546. (Formerly Sec. 36-263) (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 668 - Nondepository Financial Institutions|Section 36a-546. (Formerly Sec. 36-263) - Penalty.

 Any individual, corporation, partnership, limited partnership, association or other unincorporated enterprise, and any responsible officer, partner or employee thereof, who wilfully fails to comply with or violates any of the provisions of sections 36a-535 to 36a-547, inclusive, or who engages in business as a sales finance company without being licensed as a sales finance company by the commissioner in accordance with the provisions of said sections, shall be fined not more than five hundred dollars or imprisoned not more than six months or both.(1949 Rev., S. 5968; P.A. 18-173, S. 91.)History: Sec. 36-263 transferred to Sec. 36a-546 in 1995; P.A. 18-173 replaced “36a-545” with “36a-547”.Annotation to former section 36-263:Cited. 139 C. 425.
CT Gen Stat § 36a-547 (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 668 - Nondepository Financial Institutions|Section 36a-547 - Retail installment contract records.

 On and after October 1, 2018, a sales finance company, as defined in section 36a-535, shall acquire and maintain adequate records in the form and manner as the commissioner shall direct in each retail installment contract acquired by purchase, discount, pledge, loan, advance or otherwise, and any application for a retail installment contract, covering the retail sale of a motor vehicle in the state that has been reviewed by the sales finance company or relates to a retail installment contract acquired by the sales finance company, including, but not limited to, the: (1) Name, address, income, credit score, ethnicity, race and sex of the applicant and any coapplicants; (2) type, amount and annual percentage rate of the loan; and (3) disposition of the application. Such records shall be made available to the Banking Commissioner not later than five business days after a request for such records by the commissioner. Each sales finance company shall retain such records for not less than two years after the date of the application for applications that were denied or, for any retail installment contract that was acquired, for not less than two years after the date of final payment or sale or assignment of such contract, whichever occurs first, or such longer period as may be required by any other provision of law. On or before July 1, 2019, each licensee shall provide to the commissioner the records collected between October 1, 2018, to June 30, 2019, inclusive.(P.A. 16-65, S. 15; P.A. 17-236, S. 5; P.A. 18-173, S. 97.)History: P.A. 16-65 effective May 26, 2016; P.A. 17-236 made a technical change, effective July 11, 2017; P.A. 18-173 replaced “October 1, 2016” with “October 1, 2018”, amended Subdiv. (1) by adding “, ethnicity, race and sex” and deleting “and, if known, the ethnicity, race and sex of such individuals”, replaced “January 30, 2017” with “July 1, 2019”, and replaced “December 31, 2016” with “June 30, 2019”, and made technical changes.
CT Gen Stat § 36a-560. (Formerly Sec. 36-230) (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 668 - Nondepository Financial Institutions|Section 36a-560. (Formerly Sec. 36-230) - Restrictions on licensee.

 No licensee shall:(1) Cause a borrower, including, but not limited to, a comaker or guarantor, to owe at any time more than fifteen thousand dollars in principal on one or more small loans;(2) Induce or permit a borrower to split or divide any small loan or loans, or induce or permit a borrower to become obligated, directly or indirectly, under more than one contract of loan at the same time, primarily for the purpose of obtaining rates or charges that would otherwise be prohibited by any applicable provision of sections 36a-555 to 36a-573, inclusive;(3) Take any (A) confession of judgment, (B) power of attorney, (C) note or promise to pay that does not state the actual amount of the loan, the time period for which the loan is made and the charges for such loan, or (D) instrument related to the loan in which blanks are left to be filled after the loan is made;(4) Offer the borrower any other product or service for which there is or will ever be any cost to the borrower in connection with a small loan unless (A) permitted by sections 36a-555 to 36a-573, inclusive, (B) authorized under another license, or by applicable exemption from any requirement for such licensure, to offer such product or services, or (C) if no separate license or exemption therefrom is required to offer such product or services, authorized in advance, in writing, by the commissioner upon being satisfied that such other product or service is of such a character that the granting of such authority would not permit or easily facilitate evasion of the provisions of sections 36a-555 to 36a-573, inclusive, or of any regulations promulgated thereunder; or(5) Renew or refinance a small loan unless the renewal or refinancing of the loan will result in a distinct advantage to the borrower, provided restoration to a contractually up-to-date condition shall not, in itself, constitute a distinct advantage to the borrower.(1949 Rev., S. 5943; P.A. 78-303, S. 52, 136; P.A. 87-9, S. 2, 3; P.A. 94-122, S. 262, 340; P.A. 08-119, S. 7; P.A. 16-65, S. 24; P.A. 18-173, S. 33.)History: P.A. 78-303 replaced banking commission with banking commissioner in keeping with provisions of P.A. 77-614; (Revisor's note: Pursuant to P.A. 87-9 “banking commissioner” was changed editorially by the Revisors to “commissioner of banking”); P.A. 94-122 made technical changes, effective January 1, 1995; Sec. 36-230 transferred to Sec. 36a-560 in 1995; P.A. 08-119 added requirement for surrender of license when licensee ceases to engage in the business of a small loan lender; P.A. 16-65 replaced former provisions with introductory language and Subdivs. (1) to (5) re restrictions on licensee, effective July 1, 2016; P.A. 18-173 made a technical change.
CT Gen Stat § 36a-561. (Formerly Sec. 36-231) (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 668 - Nondepository Financial Institutions|Section 36a-561. (Formerly Sec. 36-231) - Prohibited practices.

 No person licensed or required to be licensed and no control person shall, directly or indirectly:(1) Assist or aid and abet any person in conduct prohibited by sections 36a-555 to 36a-573, inclusive;(2) Employ any scheme, device or artifice to defraud or mislead any person in connection with a small loan;(3) Make, in any manner, any false, misleading or deceptive statement or representation in connection with a small loan or engage in bait and switch advertising;(4) Engage in any unfair or deceptive practice toward any person or misrepresent or omit any material information in connection with a small loan; or(5) Fail to establish, enforce and maintain policies and procedures for supervising employees, agents and office operations that are reasonably designed to achieve compliance with applicable laws and regulations concerning small loan lenders.(1949 Rev., S. 5948 (1); P.A. 94-122, S. 263, 340; P.A. 16-65, S. 25; P.A. 17-233, S. 15.)History: P.A. 94-122 made technical changes, effective January 1, 1995; Sec. 36-231 transferred to Sec. 36a-561 in 1995; P.A. 16-65 replaced former provisions with introductory language and Subdivs. (1) to (4) re prohibited practices, effective July 1, 2016; P.A. 17-233 added reference to control persons, added Subdiv. (5) re failure to establish, enforce and maintain policies and procedures, and made a technical change.