reglab/housing_qa huggingface dataset:
NE Code § 45-613 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-613 - Licensee; solicitor; complaint; citation; notice; hearing.

45-613.  Licensee; solicitor; complaint; citation; notice; hearing.The board may, upon its own motion, and shall, upon the sworn complaint of any customer or client of a licensee, cite such licensee or solicitor of such licensee to appear before it at a time and place as set forth in such citation to show cause, if any, why such license or certificate should not be suspended or revoked. Such citation shall be in writing and shall set forth the exact charges against the licensee or solicitor, and a true copy thereof shall be served on such licensee or solicitor at least twenty days prior to the day of hearing in the same manner as summons of the district courts are served. If the citation is against a solicitor, a true copy of the citation shall also be served upon the licensee under whose license the solicitor's certificate has been issued.Source   Laws 1963, c. 500, § 17, p. 1600;   R.S.1943, (1981), § 81-8,174;   Laws 1984, LB 471, § 13;   Laws 1993, LB 261, § 13.
NE Code § 45-614 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-614 - Licensee; solicitor; citation; power to issue subpoenas; depositions.

45-614.  Licensee; solicitor; citation; power to issue subpoenas; depositions.In the preparation for and the conduct of a hearing held pursuant to section 45-613, the board may issue subpoenas to require the attendance and testimony of witnesses and the production of any pertinent records, papers, books, and documents and may administer oaths, examine witnesses, and take any evidence it deems pertinent to a proper determination of the charge. The party against whom such citation is issued shall have the right to obtain from the Secretary of State subpoenas for witnesses such party may desire to have at such hearing. Depositions may be taken and used at such hearings the same as taken and used in civil actions in the district courts of this state. Witnesses so subpoenaed shall receive the same fees as witnesses in the district courts of this state.Source   Laws 1963, c. 500, § 18, p. 1600;   R.S.1943, (1981), § 81-8,175;   Laws 1984, LB 471, § 14;   Laws 1993, LB 261, § 14.
NE Code § 45-615 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-615 - Licensee; solicitor; citation; hearing; board; findings; powers.

45-615.  Licensee; solicitor; citation; hearing; board; findings; powers.After a hearing held pursuant to sections 45-613 and 45-614, the board shall state in writing its findings in the matter. If the board finds that the cited licensee or solicitor has failed to comply with the intent and purposes of the Collection Agency Act or, in the case of a licensee, has failed to account to a customer or client as provided for in section 45-608 or is not financially responsible, the board may suspend or revoke such license or certificate. A certified copy of the findings of the board shall be served upon the cited licensee or solicitor by certified mail within five days of the issuance of such findings.Source   Laws 1963, c. 500, § 19, p. 1600;   Laws 1969, c. 778, § 6, p. 2952;   R.S.1943, (1981), § 81-8,176;   Laws 1984, LB 471, § 15;   Laws 1993, LB 261, § 15.  Annotations Failure to report and pay collections made within specified time justified revocation of license. State ex rel. Hartman v. Weiss, 181 Neb. 685, 150 N.W.2d 264 (1967).
NE Code § 45-616 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-616 - License; solicitor's certificate; appeals; procedure.

45-616.  License; solicitor's certificate; appeals; procedure.Any refusal to grant a license or solicitor's certificate under the Collection Agency Act or the suspension or revocation of a license or solicitor's certificate may be appealed, and the appeal shall be in accordance with the Administrative Procedure Act.Source   Laws 1963, c. 500, § 20, p. 1601;   R.S.1943, (1981), § 81-8,177;   Laws 1984, LB 471, § 16;   Laws 1988, LB 352, § 76;   Laws 1993, LB 261, § 16.  Cross References  Administrative Procedure Act, see section 84-920.
NE Code § 45-617 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-617 - Licensee; solicitor's certificate; appeal; effect.

45-617.  Licensee; solicitor's certificate; appeal; effect.Pending final determination of an appeal as provided in section 45-616, the holder of a license or the holder of a solicitor's certificate shall be permitted to do business as a collection agency or as a collection agency solicitor the same as though such license or certificate was in full force and effect.Source   Laws 1963, c. 500, § 21, p. 1602;   R.S.1943, (1981), § 81-8,178;   Laws 1984, LB 471, § 17.
NE Code § 45-618 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-618 - Licensee; change place of business; notify Secretary of State; new license; issuance; solicitor; employment terminated; return certificate.

45-618.  Licensee; change place of business; notify Secretary of State; new license; issuance; solicitor; employment terminated; return certificate.If a licensed collection agency or its branch office changes the location of its place of business, the licensee shall forthwith notify the Secretary of State of such change and the Secretary of State shall thereupon issue a new license or branch office certificate, as the case may be, setting forth the new address. If the employment, by a licensee, of a solicitor holding a certificate is terminated, such certificate shall be forthwith turned over to the licensee by such solicitor and the licensee shall forthwith turn such certificate over to the Secretary of State for cancellation.Source   Laws 1963, c. 500, § 22, p. 1602;   R.S.1943, (1981), § 81-8,179;   Laws 1984, LB 471, § 18.
NE Code § 45-619 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-619 - Licensee; board; require financial statement; confidential.

45-619.  Licensee; board; require financial statement; confidential.The board may, at any time, require a licensee to submit a verified financial statement for examination so that it may determine whether the licensee is financially responsible to carry on a collection agency business within the intents and purposes of the Collection Agency Act. Any financial statement submitted by a licensee shall be confidential and not a public record unless introduced in evidence at a hearing conducted by the board.Source   Laws 1963, c. 500, § 23, p. 1602;   R.S.1943, (1981), § 81-8,180;   Laws 1984, LB 471, § 19;   Laws 1993, LB 261, § 17.
NE Code § 45-620 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-620 - License; certificates; fees.

45-620.  License; certificates; fees.No license, renewal of license, branch office certificate, or solicitor's certificate, as provided for in the Collection Agency Act, shall be issued by the board until any processing fee allowed under section 45-605.01 has been paid and the following fees have been paid to the Secretary of State: For a license, not to exceed two hundred dollars; for renewal of a license, not to exceed one hundred dollars; for a branch office certificate, not to exceed fifty dollars; for renewal of a branch office certificate, not to exceed thirty-five dollars; for a solicitor's certificate and for renewal of a solicitor's certificate, not to exceed ten dollars. The amount of the fees to be paid to the Secretary of State shall be fixed by the board and shall not exceed the amounts actually necessary to sustain the administration and enforcement of the act. The Secretary of State shall remit the fees received pursuant to this section to the State Treasurer for credit to the Secretary of State Cash Fund.Source   Laws 1963, c. 500, § 24, p. 1603;   Laws 1974, LB 639, § 3;   R.S.1943, (1981), § 81-8,181;   Laws 1984, LB 471, § 20;   Laws 1989, LB 206, § 2;   Laws 1993, LB 261, § 18;  Laws 2020, LB909, § 32;  Laws 2020, LB910, § 15.   Note: The Revisor of Statutes has pursuant to section 49-769 correlated LB909, section 32, with LB910, section 15, to reflect all amendments.  Note: Changes made by LB909 became operative November 14, 2020. Changes made by LB910 became operative July 1, 2021.
NE Code § 45-622 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-622 - Licensee; solicitor; prohibited from practice of law.

45-622.  Licensee; solicitor; prohibited from practice of law.Nothing in the Collection Agency Act shall be construed to authorize or permit the holder of a license or the holder of a solicitor's certificate, as provided for in the act, to engage in the practice of law.Source   Laws 1963, c. 500, § 26, p. 1603;   R.S.1943, (1981), § 81-8,183;   Laws 1984, LB 471, § 22;   Laws 1993, LB 261, § 20.
NE Code § 45-623 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-623 - Collection of public debts; contracts authorized; requirements.

45-623.  Collection of public debts; contracts authorized; requirements.(1) Any state agency, county, city, village, or other political subdivision may contract to retain a collection agency licensed pursuant to the Collection Agency Act, within or without this state, for the purpose of collecting public debts owed by any person to such state agency, county, city, village, or other political subdivision.(2) No debt owed pursuant to subsection (1) of this section may be assigned to a collection agency unless (a) there has been an attempt to advise the debtor by first-class mail, postage prepaid, at the last-known address of the debtor (i) of the existence of the debt and (ii) that the debt may be assigned to a collection agency for collection if the debt is not paid and (b) at least thirty days have elapsed from the time the notice was sent, except that in the case of an order for support being enforced by a county attorney, authorized attorney, or prosecuting attorney pursuant to Chapter 42 or 43, this notice requirement shall not apply and Title IV-D of the federal Social Security Act, as amended, shall be complied with.(3) A collection agency which is assigned a debt under this section shall have only those remedies and powers which would be available to it as an assignee of a private creditor. This subsection shall not be construed to in any way limit the remedies and powers available to an authorized attorney as defined in section 43-512.(4) For purposes of this section, debt shall include all delinquent fees or payments except delinquent property taxes on real estate. In the case of debt arising as a result of an order or judgment of a court in a criminal or traffic matter, a collection fee may be added to the debt. The collection fee shall be twenty-five dollars or four and one-half percent of the debt, whichever is greater. The collection fee shall be paid by the person who owes the debt directly to the person or agency providing the collection service.Source   Laws 1993, LB 161, § 1;  Laws 2020, LB909, § 34.  Cross References  Collection Agency Act, see section 45-601.
NE Code § 45-701 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-701 - Act, how cited.

45-701.  Act, how cited.Sections 45-701 to 45-754 shall be known and may be cited as the Residential Mortgage Licensing Act.Source   Laws 1989, LB 272, § 4;   Laws 1995, LB 163, § 1;  Laws 2006, LB 876, § 27;  Laws 2007, LB124, § 40;  Laws 2009, LB328, § 3;  Laws 2010, LB892, § 3;  Laws 2012, LB965, § 10;  Laws 2013, LB290, § 1.
NE Code § 45-702.01 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-702.01 - Reverse-mortgage loans; rules applicable; fees authorized; failure by licensee to make loan advances and cure default; forfeiture.

45-702.01.  Reverse-mortgage loans; rules applicable; fees authorized; failure by licensee to make loan advances and cure default; forfeiture.(1) Reverse-mortgage loans shall be governed by the following rules without regard to the requirements set out elsewhere for other types of mortgage transactions: (a) Payment in whole or in part is permitted without penalty at any time during the period of the loan; (b) an advance and interest on the advance have priority over a lien filed after the closing of a reverse-mortgage loan; (c) an interest rate may be fixed or adjustable and may also provide for interest that is contingent on appreciation in the value of the residential real estate; and (d) the advance shall not be reduced in amount or number based on an adjustment in the interest rate when a reverse-mortgage loan provides for periodic advances to a borrower.(2) Reverse-mortgage loans may be made or acquired without regard to the following provisions for other types of mortgage transactions: (a) Limitations on the purpose and use of future advances or any other mortgage proceeds; (b) limitations on future advances to a term of years or limitations on the term of credit line advances; (c) limitations on the term during which future advances take priority over intervening advances; (d) requirements that a maximum mortgage amount be stated in the mortgage; (e) limitations on loan-to-value ratios; (f) prohibitions on balloon payments; (g) prohibitions on compounded interest and interest on interest; and (h) requirements that a percentage of the loan proceeds must be advanced prior to loan assignment.(3) A licensee may, in connection with a reverse-mortgage loan, charge to the borrower (a) a nonrefundable loan origination fee which does not exceed two percent of the appraised value of the owner-occupied principal residence at the time the loan is made, (b) a reasonable fee paid to third parties originating loans on behalf of the licensee, and (c) such other fees as are necessary and required, including fees for inspections, insurance, appraisals, and surveys.(4) Licensees failing to make loan advances as required in the loan documents and failing to cure the default as required in the loan documents shall forfeit to the borrower an amount equal to the greater of two hundred dollars or one percent of the amount of the loan advance the licensee failed to make.Source Laws 2010, LB892, § 5.
NE Code § 45-704 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-704 - Registration required; registration statement; fee; procedure; bond; registrant; duties; renewal.

45-704.  Registration required; registration statement; fee; procedure; bond; registrant; duties; renewal.(1) Notwithstanding any other provision of the Residential Mortgage Licensing Act, no person exempt from licensing under section 45-703 who employs or enters into an independent agent agreement with an individual who is required to obtain a mortgage loan originator license in this state pursuant to section 45-727 shall act as a mortgage banker until such person has registered with the department.(2) Any person required to register pursuant to subsection (1) of this section shall submit to the department a registration statement on a form prescribed by the department. The form shall contain such information as the department may prescribe as necessary or appropriate, including, but not limited to, (a) all addresses at which business is to be conducted, (b) the names and titles of each director and principal officer of the business, and (c) a description of the activities of the applicant in such detail as the department may require.(3) The registration statement required in subsection (2) of this section shall be accompanied by a registration fee of two hundred dollars.(4) The department shall acknowledge the registration by issuing to the registrant a receipt or other form of acknowledgment.(5) A registrant shall maintain a surety bond as required by section 45-724, submit mortgage reports of condition as required by section 45-726, and comply with the requirements of section 45-735 pertaining to the employment of mortgage loan originators.(6) A registration under this section shall not be assignable.(7) After original registration, all registrations shall remain in full force and effect until the next succeeding December 31. Thereafter, a registration under this section may be renewed on an annual basis for a renewal fee of one hundred dollars.(8)(a) If a registrant fails to maintain a surety bond as required by section 45-724, the department may issue a notice of cancellation of the registration.(b) If a registrant fails to renew his, her, or its registration as required by this section and does not voluntarily surrender the registration by delivering to the director written notice of the surrender, the department may issue a notice of expiration of the registration.Source   Laws 1989, LB 272, § 7;  Laws 1999, LB 396, § 32;  Laws 2003, LB 218, § 2;  Laws 2005, LB 533, § 51;  Laws 2008, LB851, § 21;  Laws 2009, LB328, § 6;  Laws 2010, LB892, § 6.
NE Code § 45-707 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-707 - Transferred to section 45-742.

45-707.  Transferred to section 45-742.
NE Code § 45-708 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-708 - Transferred to section 45-747.

45-708.  Transferred to section 45-747.
NE Code § 45-709 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-709 - Transferred to section 45-724.

45-709.  Transferred to section 45-724.
NE Code § 45-710 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-710 - Transferred to section 45-741.

45-710.  Transferred to section 45-741.
NE Code § 45-711 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-711 - Transferred to section 45-737.

45-711.  Transferred to section 45-737.
NE Code § 45-712 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-712 - Transferred to section 45-738.

45-712.  Transferred to section 45-738.
NE Code § 45-713 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-713 - Transferred to section 45-739.

45-713.  Transferred to section 45-739.
NE Code § 45-714 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-714 - Transferred to section 45-740.

45-714.  Transferred to section 45-740.
NE Code § 45-715 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-715 - Transferred to section 45-750.

45-715.  Transferred to section 45-750.
NE Code § 45-716 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-716 - Transferred to section 45-751.

45-716.  Transferred to section 45-751.
NE Code § 45-717 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-717 - Transferred to section 45-744.

45-717.  Transferred to section 45-744.
NE Code § 45-717.01 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-717.01 - Transferred to section 45-743.

45-717.01.  Transferred to section 45-743.
NE Code § 45-717.02 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-717.02 - Transferred to section 45-746.

45-717.02.  Transferred to section 45-746.
NE Code § 45-718 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-718 - Transferred to section 45-745.

45-718.  Transferred to section 45-745.
NE Code § 45-719 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-719 - Transferred to section 45-752.

45-719.  Transferred to section 45-752.
NE Code § 45-720 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-720 - Transferred to section 45-753.

45-720.  Transferred to section 45-753.
NE Code § 45-721 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-721 - Transferred to section 45-754.

45-721.  Transferred to section 45-754.
NE Code § 45-722 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-722 - Transferred to section 45-725.

45-722.  Transferred to section 45-725.
NE Code § 45-723 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-723 - Transferred to section 45-748.

45-723.  Transferred to section 45-748.
NE Code § 45-724 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-724 - Surety bond; requirements.

45-724.  Surety bond; requirements.(1) Except as provided in subsection (2) of this section, an applicant for a mortgage banker license or registration shall file with the department a surety bond in the amount of one hundred thousand dollars, furnished by a surety company authorized to do business in the State of Nebraska. The surety bond also shall cover all mortgage loan originators who are employees or independent agents of the applicant. The bond shall be for the use of the State of Nebraska and any Nebraska resident who may have claims or causes of action against the applicant or against an individual who is a mortgage loan originator employed by, or in an independent agent relationship with, the applicant. Submission of a rider to an existing bond indicating that the required coverage is outstanding and evidencing the beneficiaries required in this subsection shall satisfy the requirements of this section. The bond or a substitute bond shall remain in effect during all periods of licensing or registration.(2) Upon filing of the mortgage report of condition required by section 45-726, a mortgage banker licensee or registrant shall maintain or increase its surety bond to reflect the total dollar amount of the closed residential mortgage loans originated in this state in the preceding calendar year in accordance with the following table. A licensee or registrant may decrease its surety bond in accordance with the following table if the surety bond required is less than the amount of the surety bond on file with the department.  Dollar Amount of Closed     Residential Mortgage Loans Surety Bond Required   $0.00 to $5,000,000.00 $100,000.00   $5,000,000.01 to $10,000,000.00 $125,000.00   $10,000,000.01 to $25,000,000.00 $150,000.00   Over $25,000,000.00 $200,000.00  (3) Should the department determine that a mortgage banker licensee or registrant does not maintain a surety bond in the amount required by subsection (2) of this section, the department shall give written notification to the mortgage banker licensee or registrant requiring him, her, or it to increase the surety bond within thirty days to the amount required by subsection (2) of this section.(4) At any time the director may require the filing of a new or supplemental bond in the form as provided in subsection (1) of this section if he or she determines that the bond filed under subsection (1) or (2) of this section is exhausted or is inadequate for any reason, including the financial condition of the licensee, the registrant, or the applicant for a license or registration. The new or supplemental bond shall not exceed one million dollars.Source   Laws 1989, LB 272, § 12;   Laws 1993, LB 217, § 2;  Laws 2003, LB 218, § 6;  Laws 2006, LB 876, § 31;   R.S.Supp.,2008, § 45-709;  Laws 2009, LB328, § 9;  Laws 2010, LB892, § 8.