reglab/housing_qa huggingface dataset:
OR Rev Stat § 697.500 (2021)
2021 Oregon Revised Statutes|Volume : 17 - Occupations|Chapter 697 - Collection Agencies; Check-Cashing Businesses; Debt Management Service Providers|Section 697.500 - Definitions for ORS 697.500 to 697.555.

As used in ORS 697.500 to 697.555: (1)(a) "Check-cashing business" means a person that conducts a business that for a fee, service charge or other consideration provides money, credit or any other thing of value in exchange for payment instruments. (b) "Check-cashing business" does not include a financial institution as defined in ORS 706.008 or an employee of a licensee. (2) "Licensee" means a person licensed as a check-cashing business under ORS 697.514. (3) "Nationwide Multistate Licensing System" means a system that the Conference of State Bank Supervisors and the American Association of Residential Mortgage Regulators, or assigns of the Conference of State Bank Supervisors or the American Association of Residential Mortgage Regulators, develop and maintain for participating state agencies to use in licensing and registering mortgage loan originators and other persons that provide nondepository financial services. (4) "Payment instrument" means: (a) A check, warrant or draft issued by the federal government, a state government, a county or municipal government, or a federal or state agency; (b) A payroll check; or (c) A personal check, money order or any other check. [2007 c.358 §1; 2015 c.118 §1]
OR Rev Stat § 697.502 (2021)
2021 Oregon Revised Statutes|Volume : 17 - Occupations|Chapter 697 - Collection Agencies; Check-Cashing Businesses; Debt Management Service Providers|Section 697.502 - Exemptions from licensing and record-keeping requirements.

(1) ORS 697.510, 697.512, 697.514 and 697.540 do not apply to a person licensed under ORS 717.200 to 717.320. (2) ORS 697.510, 697.512, 697.514, 697.528 and 697.540 do not apply to a person engaged in the bona fide retail sale of goods or services and not purporting to be a check-cashing business that, as an incident of or independent of a retail sale or service, from time to time cashes payment instruments for a fee, service charge or other consideration but does not charge more than $2 or two percent of the face value of the payment instrument, whichever is greater. [2007 c.358 §2]
OR Rev Stat § 697.504 (2021)
2021 Oregon Revised Statutes|Volume : 17 - Occupations|Chapter 697 - Collection Agencies; Check-Cashing Businesses; Debt Management Service Providers|Section 697.504 - Licensing requirement.

Except as provided in ORS 697.502, a person may not conduct, purport to conduct or advertise that the person conducts a check-cashing business without first obtaining a license under ORS 697.514. [2007 c.358 §3]
OR Rev Stat § 697.510 (2021)
2021 Oregon Revised Statutes|Volume : 17 - Occupations|Chapter 697 - Collection Agencies; Check-Cashing Businesses; Debt Management Service Providers|Section 697.510 - License application form and contents; waiver; rules.

(1)(a) An applicant for a license to conduct a check-cashing business shall apply in writing on a form and in a format that the Director of the Department of Consumer and Business Services prescribes by rule. (b) The director, consistent with the requirements of ORS 697.500 to 697.555, may administer a program to issue and renew licenses for check-cashing businesses by means of an agreement with the Nationwide Multistate Licensing System and may, by rule, conform the practices, procedures and information that the Department of Consumer and Business Services uses to issue or renew a license to the requirements of the Nationwide Multistate Licensing System. (2) An application for a license to conduct a check-cashing business must contain all of the following: (a) The applicant’s name, together with any fictitious name, assumed business name or trade name the applicant uses in conducting the applicant’s business; (b) The name and address of all of the applicant’s members, partners, officers, directors or principals, as appropriate; (c) The name and address of the applicant’s agent for the service of process, notice or demand, or a power of attorney that the applicant has executed and by which the applicant appoints the Director of the Department of Consumer and Business Services as the applicant’s agent for service of process, notice or demand; (d) The applicant’s principal business address, the location of the applicant’s business records and the addresses for all locations where the applicant conducts or proposes to conduct a check-cashing business; and (e) Other information that the director may require concerning the applicant’s financial responsibility, background experience and business activities and the financial responsibility, background experience and business activities of the applicant’s members, partners, officers, directors and principals. (3) The director, for good cause shown or in order to conform the department’s licensing and license renewal program to the requirements of the Nationwide Multistate Licensing System, may waive any requirement of this section with respect to any license application or may allow an applicant to submit substituted information in a license application in lieu of the information required under subsection (2) of this section. [2007 c.358 §4; 2015 c.118 §2]
OR Rev Stat § 697.512 (2021)
2021 Oregon Revised Statutes|Volume : 17 - Occupations|Chapter 697 - Collection Agencies; Check-Cashing Businesses; Debt Management Service Providers|Section 697.512 - Application fee and investigation fee; rules.

(1) Each person who submits an application under ORS 697.510 shall at the same time pay a nonrefundable application fee and a nonrefundable investigation fee to the Director of the Department of Consumer and Business Services in amounts the director prescribes by rule. If the director approves the application and issues a license under ORS 697.514, the application fee shall constitute the license fee for the remaining portion of the first calendar year and the subsequent full calendar year in which the applicant conducts a check-cashing business. (2) The director shall prescribe fee amounts under subsection (1) of this section that in the aggregate are sufficient to pay all expenses of the Department of Consumer and Business Services related to administering ORS 697.500 to 697.555. The director shall pay all moneys received under this section into the Consumer and Business Services Fund as provided in ORS 705.145. [2007 c.358 §5]
OR Rev Stat § 697.514 (2021)
2021 Oregon Revised Statutes|Volume : 17 - Occupations|Chapter 697 - Collection Agencies; Check-Cashing Businesses; Debt Management Service Providers|Section 697.514 - Application review and license issuance; expiration and renewal; grounds for denial; rules.

(1) After an applicant has submitted a complete application, the Director of the Department of Consumer and Business Services shall review the application and may investigate the applicant’s financial condition and responsibility, financial and business experience, character and general fitness to conduct a check-cashing business. The director may also determine if the applicant has complied with applicable provisions of ORS 697.500 to 697.555 and of federal law. (2) The director shall issue a license to the applicant to conduct a check-cashing business at the locations identified in the application if the director finds that: (a) The applicant and the applicant’s members, officers, directors and principals are financially responsible, have a good character and a good reputation and are experienced and generally fit to conduct a check-cashing business efficiently, in the public interest and in accordance with law; (b) The applicant has fulfilled the requirements imposed under ORS 697.510; and (c) The applicant has paid the license and investigation fees required under ORS 697.512. (3) A license issued under this section expires on December 31 of the calendar year in which the director issues the license. A licensee may not assign or transfer a license issued under this section. A licensee may renew a license after paying a license fee in an amount the director prescribes by rule and only if the licensee meets conditions that the director prescribes by rule, including a condition that the licensee renew a license under the terms of the director’s agreement with the Nationwide Multistate Licensing System. (4) The director shall deny the application if the applicant does not meet the requirements set forth in this section. The director shall issue any denial in writing and shall describe the reasons for the denial. (5) If the director denies a license under this section, the applicant may request a hearing in accordance with ORS 183.435. After receiving the applicant’s request, the director shall grant the applicant a hearing under ORS 183.413 to 183.470. [2007 c.358 §6; 2015 c.118 §3]
OR Rev Stat § 697.520 (2021)
2021 Oregon Revised Statutes|Volume : 17 - Occupations|Chapter 697 - Collection Agencies; Check-Cashing Businesses; Debt Management Service Providers|Section 697.520 - Prohibited practices; effect on charges for dishonored payment instruments.

(1) A check-cashing business may not charge or collect, directly or indirectly, an excessive fee, service charge or other consideration for cashing a payment instrument. A fee, service charge or other consideration is excessive if the total amount charged is more than the following amounts: (a) For a payment instrument issued by the federal government or an agency of the federal government, by this state or an agency of this state or by the government of the municipality in which a person is cashing the payment instrument: (A) $5 or two percent of the face value of the payment instrument, whichever is greater, if the person cashing the payment instrument provides valid and current government-issued photo identification; or (B) $5 or 2-1/2 percent of the face value of the payment instrument, whichever is greater, if the person cashing the payment instrument does not provide valid and current government-issued photo identification. (b) For a payment instrument issued by any other state or political subdivision thereof or for a payment instrument that is a payroll check: (A) $5 or three percent of the face value of the payment instrument, whichever is greater, if the person cashing the payment instrument provides valid and current government-issued photo identification; or (B) $5 or 3-1/2 percent of the face value of the payment instrument, whichever is greater, if the person cashing the payment instrument does not provide valid and current government-issued photo identification. (c) For any other payment instrument, $5 or 10 percent of the face value of the payment instrument, whichever is greater. (2) Notwithstanding the provisions of subsection (1) of this section, a fee, service charge or other consideration is excessive if the total amount charged is more than $100. (3) This section does not affect fees, statutory damages or other charges a person may collect under ORS 30.701 in connection with dishonored payment instruments. [2007 c.358 §7]
OR Rev Stat § 697.522 (2021)
2021 Oregon Revised Statutes|Volume : 17 - Occupations|Chapter 697 - Collection Agencies; Check-Cashing Businesses; Debt Management Service Providers|Section 697.522 - Receipt; contents.

A check-cashing business shall provide a receipt to the individual for whom the business cashes a payment instrument. The receipt must display at least: (1) The name, assumed business name or trade name of the check-cashing business; (2) The transaction date; (3) The face amount of the payment instrument; and (4) The fee charged or collected for cashing the payment instrument. [2007 c.358 §8]
OR Rev Stat § 697.524 (2021)
2021 Oregon Revised Statutes|Volume : 17 - Occupations|Chapter 697 - Collection Agencies; Check-Cashing Businesses; Debt Management Service Providers|Section 697.524 - Endorsement and deposit of payment instruments.

A check-cashing business shall: (1) Endorse in the name of the business all payment instruments for which the business provided money, credit or any other thing of value; and (2) Deposit or present for payment each such payment instrument not later than one business day following the date of the transaction. [2007 c.358 §9]
OR Rev Stat § 697.526 (2021)
2021 Oregon Revised Statutes|Volume : 17 - Occupations|Chapter 697 - Collection Agencies; Check-Cashing Businesses; Debt Management Service Providers|Section 697.526 - Notice of fees and charges; filing with department.

A check-cashing business shall conspicuously post and at all times display in each business location a notice that states the fees, services charges or other consideration that the business charges for cashing payment instruments. A licensee shall also file with the Director of the Department of Consumer and Business Services a copy of the notice posted in each of the licensee’s business locations. [2007 c.358 §10]
OR Rev Stat § 697.528 (2021)
2021 Oregon Revised Statutes|Volume : 17 - Occupations|Chapter 697 - Collection Agencies; Check-Cashing Businesses; Debt Management Service Providers|Section 697.528 - Records; retention; examination costs; rules.

(1) A check-cashing business shall make, keep and maintain all records used in providing money, credit or any other thing of value in exchange for payment instruments that the Director of the Department of Consumer and Business Services may reasonably require. The check-cashing business shall keep and maintain the records that the director requires under this section separate from records used for any other business that the check-cashing business conducts. The check-cashing business shall retain the records the director requires under this section for three years following the date of the transaction each record describes, or for so long as the director may prescribe by rule. (2) The director may examine the records required to be kept and maintained under this section to determine whether the check-cashing business is complying with ORS 697.500 to 697.555 and with rules the director has adopted under ORS 697.500 to 697.555. The check-cashing business shall pay the Department of Consumer and Business Services for the actual cost of the examination. The director by rule shall establish rates and charges associated with examinations made under this section. [2007 c.358 §11]
OR Rev Stat § 697.530 (2021)
2021 Oregon Revised Statutes|Volume : 17 - Occupations|Chapter 697 - Collection Agencies; Check-Cashing Businesses; Debt Management Service Providers|Section 697.530 - Prohibited conduct.

A check-cashing business may not: (1) Publish, disseminate or cause to be published or disseminated a communication that contains a false, misleading or deceptive statement or representation. (2) Conduct business at premises or locations other than locations licensed by the Director of the Department of Consumer and Business Services. (3) Engage in unfair, deceptive or fraudulent practices. [2007 c.358 §12]
OR Rev Stat § 697.540 (2021)
2021 Oregon Revised Statutes|Volume : 17 - Occupations|Chapter 697 - Collection Agencies; Check-Cashing Businesses; Debt Management Service Providers|Section 697.540 - Suspension or revocation of license; grounds; notice and hearing.

(1) The Director of the Department of Consumer and Business Services may by order suspend or revoke any license issued under ORS 697.514 if the director finds that any of the following circumstances are true: (a) The licensee has violated a provision of ORS 697.500 to 697.555 or of a rule or order the director has adopted or issued under ORS 697.500 to 697.555. (b) The licensee knowingly made a false or misleading statement on the application for a license under ORS 697.510 or in information the licensee submitted to the director. (c) The licensee refused to permit the director to make an investigation authorized under ORS 697.528. (d) The licensee has engaged in, or has a felony or misdemeanor conviction for, fraud, misrepresentation or deceit or has demonstrated untrustworthiness or incompetence in conducting the check-cashing business. (e) The licensee has not paid a fee required under ORS 697.512 or examination costs under ORS 697.528. (2) The director may not suspend or revoke any license issued under ORS 697.514 unless the licensee has had notice and an opportunity for a hearing in accordance with ORS 183.413 to 183.470. [2007 c.358 §13]
OR Rev Stat § 697.542 (2021)
2021 Oregon Revised Statutes|Volume : 17 - Occupations|Chapter 697 - Collection Agencies; Check-Cashing Businesses; Debt Management Service Providers|Section 697.542 - Powers of director; cease and desist order.

The Director of the Department of Consumer and Business Services may: (1) Make such investigations as the director deems necessary to determine whether a person has violated, is violating or is preparing to violate ORS 697.500 to 697.555 or a rule or order adopted or issued under ORS 697.500 to 697.555. (2) Require a person to file a statement in writing, under oath or otherwise as the director determines, concerning a matter under investigation. (3) Take evidence from witnesses and compel the attendance of witnesses and the production of books, papers, correspondence, memoranda, agreements or other documents or records that the director considers relevant or material to an investigation or proceeding. (4) Take any affirmative action necessary to carry out the provisions of this section, including assessing the costs of an investigation. (5) Order a person to cease and desist from any action that the director has reason to believe was, is or is about to become a violation of ORS 697.500 to 697.555, a rule adopted to implement ORS 697.500 to 697.555 or an order the director issued to enforce ORS 697.500 to 697.555. [2007 c.358 §14]
OR Rev Stat § 697.550 (2021)
2021 Oregon Revised Statutes|Volume : 17 - Occupations|Chapter 697 - Collection Agencies; Check-Cashing Businesses; Debt Management Service Providers|Section 697.550 - Rules.

The Director of the Department of Consumer and Business Services may adopt rules for the purpose of carrying out the provisions of ORS 697.500 to 697.555. [2007 c.358 §16]
OR Rev Stat § 697.555 (2021)
2021 Oregon Revised Statutes|Volume : 17 - Occupations|Chapter 697 - Collection Agencies; Check-Cashing Businesses; Debt Management Service Providers|Section 697.555 - Civil penalties; restitution.

(1) If the Director of the Department of Consumer and Business Services finds that a person has violated a provision of ORS 697.500 to 697.555 or any rules adopted under ORS 697.500 to 697.555, the director may impose in the manner provided in ORS 183.745 a civil penalty in an amount not to exceed $1,000 for each violation or, in the case of a continuing violation, not more than $1,000 for each day that the violation continues. The total amount of a penalty imposed for a continuing violation may not exceed $20,000 for each offense. The director shall pay all moneys received under this section into the Consumer and Business Services Fund as provided in ORS 705.145. (2) The director may order any check-cashing business the director finds in violation of ORS 697.520 to repay any excessive fee, service charge or consideration the check-cashing business has collected. [2007 c.358 §15]
OR Rev Stat § 697.602 (2021)
2021 Oregon Revised Statutes|Volume : 17 - Occupations|Chapter 697 - Collection Agencies; Check-Cashing Businesses; Debt Management Service Providers|Section 697.602 - Definitions for ORS 697.602 to 697.842.

As used in ORS 697.602 to 697.842: (1) "Consumer" means an individual who is obligated or is allegedly obligated to pay a debt and on whose behalf a debt management service provider performs or agrees to perform a debt management service. (2) "Debt management service" means an activity for which a person receives money or other valuable consideration or expects to receive money or other valuable consideration in return for: (a) Receiving or offering to receive funds from a consumer for the purpose of distributing the funds among the consumer’s creditors in full or partial payment of the consumer’s debts, whether or not the person holds the consumer’s funds; (b) Improving or offering to improve or preserve a consumer’s credit record, credit history or credit rating; (c) Modifying or offering to modify terms and conditions of an existing loan from or obligation to a third party; or (d) Obtaining or attempting to obtain as an intermediary on a consumer’s behalf a concession from a creditor including, but not limited to, a reduction in the principal, interest, penalties or fees associated with a debt. (3) "Debt management service provider" means a person that: (a) Resides or does business in this state; and (b) Provides or performs, or represents that the person can or will provide or perform a debt management service in return for or in expectation of money or other valuable consideration. (4) "Nationwide Multistate Licensing System" means a system that the Conference of State Bank Supervisors and the American Association of Residential Mortgage Regulators, or assigns of the Conference of State Bank Supervisors or the American Association of Residential Mortgage Regulators, develop and maintain for participating state agencies to use in licensing and registering mortgage loan originators and other persons that provide nondepository financial services. (5) "Nonprofit entity" means a person, corporation, organization, board, association or other entity described in 26 U.S.C. 501(c)(3), as in effect on June 26, 2009, that is exempt from taxation under 26 U.S.C. 501(a). [1983 c.17 §2; 1987 c.373 §45; 1993 c.744 §21; 2009 c.604 §1; 2015 c.118 §4]
OR Rev Stat § 697.642 (2021)
2021 Oregon Revised Statutes|Volume : 17 - Occupations|Chapter 697 - Collection Agencies; Check-Cashing Businesses; Debt Management Service Providers|Section 697.642 - Bond requirement.

(1) An applicant for registration as a debt management service provider at the time of application shall file with the Director of the Department of Consumer and Business Services a bond issued by one or more corporate sureties authorized to do business in this state. The bond must: (a) Be in an amount that is: (A) A minimum of $10,000; or (B) An amount the director specifies by rule. (b) Require the surety company to provide written notice to the director by registered or certified mail: (A) At least 30 days before the surety company cancels or revokes the bond; or (B) Whenever the surety company pays for a loss under the bond. (c) Satisfy the provisions of subsection (2) of this section. (2) The bond that a debt management service provider must file under subsection (1) of this section, in addition to the requirements set forth under subsection (1) of this section, must be: (a) Payable to the order of the director; and (b) Conditioned so that the corporate surety or the debt management service provider upon the director’s order or a court order pays all amounts due for a violation of the debt management service provider’s duties and obligations to consumers under ORS 697.652 to 697.702. (3) If a surety cancels, revokes or otherwise terminates a bond required under subsection (1) of this section or if the amount of the bond is reduced to less than the amount required under subsection (1) of this section, the debt management service provider shall immediately: (a) File a replacement bond; or (b) Surrender the debt management service provider’s registration to the director and cease operating as a debt management service provider or providing debt management services. (4) A person that has a right of action against a debt management service provider under ORS 697.718 has a right of action against the bond required under subsection (1) of this section. [1983 c.17 §6; 1989 c.209 §2; 2009 c.604 §4]