reglab/housing_qa huggingface dataset:
NV Rev Stat § 659.015 (2021)
2021 Nevada Revised Statutes|Chapter 659 - Organization and Licensing of Banks|NRS 659.015 - Requirements for organization by person, existing corporation or existing limited-liability company.

  1. One or more persons who desire to form a bank and engage in the business of establishing, maintaining and operating banks of discount and deposit, savings, time and demand deposits, or in the business of establishing, maintaining and operating offices of loan and deposits, or to operate a bank doing a trust and fiduciary business, must organize as a banking corporation or company in the manner provided in chapters 657 to 671, inclusive, of NRS.  2. An existing corporation, including, but not limited to, a corporation licensed to engage in business pursuant to chapter 677 of NRS, or a limited-liability company that desires to form a bank and engage in the activities described in subsection 1 must:  (a) Dissolve and reorganize as a banking corporation or company in the manner provided in chapters 657 to 671, inclusive, of NRS; or  (b) Amend its articles of incorporation or organization in such a manner that it is organized as a banking corporation or company in the manner provided in chapters 657 to 671, inclusive, of NRS.  (Added to NRS by 1971, 969; A 1995, 474; 1997, 976)
NV Rev Stat § 659.025 (2021)
2021 Nevada Revised Statutes|Chapter 659 - Organization and Licensing of Banks|NRS 659.025 - Articles of incorporation or organization: Contents.

The articles of incorporation or organization must, in addition to the requirements prescribed in chapters 78 and 86 of NRS, set forth the nature of the business of the corporation or limited-liability company.  (Added to NRS by 1971, 969; A 1995, 474; 1997, 976)
NV Rev Stat § 659.035 (2021)
2021 Nevada Revised Statutes|Chapter 659 - Organization and Licensing of Banks|NRS 659.035 - Delivery of articles of incorporation or organization for filing; delivery of certificate of amendment of articles by existing corporation or limited-liability company for filing; restriction on filing.

  1. If the proposed bank is not an existing corporation or limited-liability company, the articles of incorporation or organization for the proposed bank must be delivered to the Secretary of State for filing.  2. If the proposed bank is an existing corporation or limited-liability company, a certificate of amendment of the articles of incorporation or organization must be delivered to the Secretary of State for filing.  3. The Secretary of State shall forthwith transmit to the Commissioner a copy of the articles or certificate of amendment and shall not file the articles or certificate of amendment until authorized to do so by the Commissioner.  (Added to NRS by 1971, 969; A 1983, 1726; 1985, 1223; 1987, 1901; 1995, 475; 1997, 976)
NV Rev Stat § 659.045 (2021)
2021 Nevada Revised Statutes|Chapter 659 - Organization and Licensing of Banks|NRS 659.045 - Examination and certification of proposed bank by Commissioner; payment and deposit of fees and expenses; regulations.

  1. Upon receipt of a copy of the articles of incorporation or organization or the certificate of amendment of the articles of incorporation or organization of the proposed bank, the Commissioner shall at once examine all of the facts connected with the formation of the proposed banking corporation or company, including its location and proposed stockholders or members. If it appears that the bank, if formed, will be lawfully entitled to commence the business of banking, the Commissioner shall so certify to the Secretary of State, unless upon examination and investigation the Commissioner finds that:  (a) The proposed bank is formed for any other than legitimate banking business;  (b) The character, general fitness and responsibility of the persons proposed as stockholders, directors, officers, members or managers of the bank are not such as to command the confidence of the community in which the bank is proposed to be located;  (c) The probable volume of business and reasonable public demand in such community is not sufficient to assure and maintain the solvency of the new bank and of the bank or banks existing in the community at that time;  (d) The name of the proposed banking corporation or company does not comply with the provisions of NRS 657.200.  2. The Commissioner shall not make the certification to the Secretary of State until the Commissioner has ascertained that the establishment of the bank will meet the needs and promote the convenience of the community to be served by the bank.  3. A nonrefundable fee of not more than $6,000 for the application and survey must be submitted to the Commissioner upon filing the articles or certificate of amendment with the Secretary of State. The proposed banking corporation or company shall also pay such additional expenses incurred in the process of investigation as the Commissioner deems necessary. All money received by the Commissioner pursuant to this section must be placed in the Investigative Account created by NRS 232.545.  4. The Commissioner shall adopt regulations establishing the amount of the application fee required pursuant to this section.  (Added to NRS by 1971, 970; A 1983, 1316, 1726; 1987, 1902; 1991, 1806; 1995, 475; 1997, 977; 2005, 1843)
NV Rev Stat § 659.047 (2021)
2021 Nevada Revised Statutes|Chapter 659 - Organization and Licensing of Banks|NRS 659.047 - Payment of assessment; cooperation with audits and examinations.

Each bank shall pay the assessment levied pursuant to NRS 658.055 and cooperate fully with the audits and examinations performed pursuant thereto.  (Added to NRS by 1987, 826)
NV Rev Stat § 659.055 (2021)
2021 Nevada Revised Statutes|Chapter 659 - Organization and Licensing of Banks|NRS 659.055 - Appeal from refusal to make certification.

Any person aggrieved by any decision of the Commissioner made under NRS 659.045 may appeal to the State Board of Finance if a review of the decision is desired. The appeal must be made within 15 days after the Commissioner makes the decision. If an appeal is taken, the State Board of Finance shall conduct a full hearing.  (Added to NRS by 1971, 970; A 1977, 95; 1983, 1727; 1985, 738; 1987, 1902)
NV Rev Stat § 659.065 (2021)
2021 Nevada Revised Statutes|Chapter 659 - Organization and Licensing of Banks|NRS 659.065 - Filing of articles of incorporation or organization; filing of certificate of amendment of articles; effect of filing; admissibility of articles as evidence; limitation on validity.

  1. Upon receipt of the certification from the Commissioner, the Secretary of State shall, if the articles of incorporation or organization are, or the certificate of amendment of the articles of incorporation or organization is, in accordance with law, file the articles or the certificate of amendment and cause the articles or certificate of amendment to be recorded in the Office of the Secretary of State. The Secretary of State shall, upon the payment of the organization fees, certify under his or her official seal a copy of the original or amended articles. The certified copy of the original or amended articles must be filed in the Office of the Commissioner.  2. Upon completion of the requirements of subsection 1, the banking corporation or company is legally constituted under the name stated in the articles.  3. The articles, or a copy thereof, certified by the Secretary of State or the Commissioner, under their respective seals, are admissible as evidence in all courts and places, and are, in all judicial proceedings, prima facie evidence of the complete organization and incorporation of the banking corporation purporting to have been established by the articles.  4. The articles of a bank become void if the bank fails to complete its organization and open for business to the public within 6 months after the date of the filing of its articles or a certificate of amendment of its articles by the Secretary of State. The Commissioner may extend this limitation for good cause.  (Added to NRS by 1971, 970; A 1983, 1727; 1987, 1902; 1995, 475; 1997, 977)
NV Rev Stat § 659.075 (2021)
2021 Nevada Revised Statutes|Chapter 659 - Organization and Licensing of Banks|NRS 659.075 - Payment of initial stockholders’ or members’ equity; sale of stock or solicitation of contributions to bank in process of organization.

  1. Subject to subsection 2, the initial stockholders’ or members’ equity of a bank must be fully paid in, in cash, before it is authorized by the Commissioner to commence business. The full payment in cash must be certified to the Commissioner under oath by the president or manager of the bank.  2. Except for any commission or fee not otherwise prohibited by this subsection, the stock sold by or contributions to any bank in the process of organization must be accounted for to the bank in the full amount paid. No commission or fee may be paid to any person, association or corporation for selling the stock of or soliciting contributions to any bank in the process of organization. The Commissioner shall refuse such a bank the authority to commence business if commissions or fees have been paid, or have been contracted to be paid by the bank, or by anyone in its behalf, to any person, association or corporation for securing subscriptions for, or selling stock in, or procuring contributions to, the bank.  (Added to NRS by 1971, 971; A 1983, 1727; 1987, 1903; 1991, 616; 1995, 476; 1997, 978)
NV Rev Stat § 659.085 (2021)
2021 Nevada Revised Statutes|Chapter 659 - Organization and Licensing of Banks|NRS 659.085 - Filing of statement regarding directors, managers and officers and proof of federal deposit insurance.

Before the banking corporation or company begins business, it shall file with the Commissioner:  1. A statement, under oath by the president or a manager, containing the names of all the directors, managers and officers, with the date of their election or appointment, terms of office, residences and post office address of each, the amount of stock of which each is the owner in good faith and the amount of money paid in on account of the stock, or the contribution made. Nothing may be received in payment of stock or contribution except money.  2. Proof that the bank is a member of the Federal Deposit Insurance Corporation.  (Added to NRS by 1971, 971; A 1983, 1728; 1987, 1903; 1995, 476; 1997, 978)
NV Rev Stat § 659.095 (2021)
2021 Nevada Revised Statutes|Chapter 659 - Organization and Licensing of Banks|NRS 659.095 - Examination of affairs of bank by Commissioner; issuance of certificate authorizing commencement of business.

  1. Upon filing of the statement and proof by the banking corporation or company as required by NRS 659.085, the Commissioner shall examine its affairs, ascertain especially the amount of the initial stockholders’ or members’ equity, the name and place of residence of each director, the amount of stock of which each is the owner in good faith or the amount of his or her contribution, and whether the banking corporation or company has complied with all the provisions of law required to entitle it to engage in business.  2. If upon the examination the Commissioner finds that the banking corporation or company is lawfully entitled to commence business, the Commissioner shall give to it a certificate signed by the Commissioner that it has complied with all the provisions of law required before commencing business and that it is authorized to commence business.  (Added to NRS by 1971, 971; A 1983, 1728; 1987, 1904; 1995, 477; 1997, 979)
NV Rev Stat § 659.105 (2021)
2021 Nevada Revised Statutes|Chapter 659 - Organization and Licensing of Banks|NRS 659.105 - Restriction on transaction of business.

No banking corporation or company may transact any business except such as is incidental and necessarily preliminary to its organization until it has been authorized to do so by the Commissioner.  (Added to NRS by 1971, 972; A 1983, 1728; 1987, 1904; 1995, 477)
NV Rev Stat § 659.115 (2021)
2021 Nevada Revised Statutes|Chapter 659 - Organization and Licensing of Banks|NRS 659.115 - Unlawful transaction of banking business without license; penalty.

  1. No person, except a bank maintaining an office in this State and doing business under the laws of the United States, may solicit or accept deposits in this State or otherwise engage in the banking business in this State without first obtaining from the Commissioner, as provided in this section, a license authorizing it, as a banking corporation or company, to use the name and transact the business of a bank. The transacting of any banking business without such authority is a gross misdemeanor.  2. For the purposes of this section "solicits deposits" has the meaning ascribed to it in NRS 80.016.  (Added to NRS by 1971, 972; A 1983, 1728; 1987, 1904; 1989, 626; 1991, 372, 1317; 1995, 477)
NV Rev Stat § 659.125 (2021)
2021 Nevada Revised Statutes|Chapter 659 - Organization and Licensing of Banks|NRS 659.125 - Unlawful use of words "bank," "banking" or "banker" in name; exceptions; penalty.

  1. A business entity may not be organized under the laws of this State with the words "bank" or "banking" as part of its name except corporations or limited-liability companies subject to regulation pursuant to chapters 657 to 668, inclusive, 673 or 677 of NRS, or corporations under the regulation of the Commissioner of Insurance. A corporate or company name must not be amended to include the words "bank" or "banking" unless the corporation or company is under such regulation.  2. Except as otherwise provided in subsection 3, a natural person, association, firm or corporation domiciled within this State, except a national bank or a banking corporation subject to regulation pursuant to chapters 657 to 668, inclusive, 673 or 677 of NRS, or under the regulation of the Commissioner of Insurance, may not advertise or put forth any sign as bank, banking or banker or use the word "bank," "banking" or "banker" as part of its name and title.  3. A thrift company subject to the provisions of chapter 677 of NRS may use the words "savings bank" as part of its name if its deposits are federally insured.  4. Any person who violates any of the provisions of this section shall be fined not more than $500 for each offense.  (Added to NRS by 1971, 972; A 1983, 1729; 1985, 315, 738; 1987, 1627; 1989, 1101; 1995, 477; 2017, 1958)
NV Rev Stat § 660.015 (2021)
2021 Nevada Revised Statutes|Chapter 660 - Branch Offices; Electronic Terminals; Automated Tellers|NRS 660.015 - Location; establishment; discontinuance; review of Commissioner’s action.

  1. Banks organized under chapters 657 to 671, inclusive, of NRS may maintain branch offices but the location of the principal office and the parent bank must be within this State.  2. Additional branch offices may be from time to time established by the board of directors with the written consent of the Commissioner.  3. A bank may discontinue a branch office upon resolution of its board of directors. Upon the adoption of the resolution, the bank shall file a certification with the Commissioner specifying the location of the branch office to be discontinued and the date upon which it is proposed that the discontinuance is to be effective. This certificate must state the reasons for the closing of the branch office and indicate that the needs and conveniences of the community would still be adequately met. Notice stating the intention to discontinue the branch office must be published in a newspaper serving the community once a week for 4 consecutive weeks before any certificate requesting discontinuance is filed with the Commissioner. No branch office may be discontinued until approved by the Commissioner, who shall first hold a public hearing thereon, if so requested by any interested person.  4. Any action taken by the Commissioner pursuant to this section is subject to review in the same manner as provided in NRS 659.055.  (Added to NRS by 1971, 972; A 1983, 1729; 1987, 1905)
NV Rev Stat § 660.025 (2021)
2021 Nevada Revised Statutes|Chapter 660 - Branch Offices; Electronic Terminals; Automated Tellers|NRS 660.025 - Service centers: Definition; establishment.

  1. As used in this section, "service center" is a place where functions of a bank are performed that do not involve the receiving of deposits, making of loans or withdrawals or handling of cash.  2. Banks organized under chapters 657 to 671, inclusive, of NRS may establish and maintain one or more service centers within or outside this State according to their needs.  3. A service center may be established by a bank by the vote of its board of directors. The bank shall inform the Commissioner in writing of its intention to establish a service center and the location thereof.  4. A service center does not constitute branch banking. No license, certificate or prior approval of the Commissioner, of the Division of Financial Institutions or of the Department of Business and Industry is necessary before a service center may be established.  (Added to NRS by 1971, 973; A 1983, 1730; 1987, 1905; 1993, 1894; 1997, 979)
NV Rev Stat § 660.035 (2021)
2021 Nevada Revised Statutes|Chapter 660 - Branch Offices; Electronic Terminals; Automated Tellers|NRS 660.035 - Foreign branches: Contents of application; powers of Commissioner; separate accounting for each branch required.

  1. Any bank organized under the laws of this State that has a stockholders’ or members’ equity of $1,000,000 or more may file an application with the Commissioner for permission to establish, upon conditions and under such regulations as may be prescribed by the Commissioner, branches in foreign countries or dependencies or singular possessions of the United States for the furtherance of the foreign commerce of the United States and to act, if required to do so, as fiscal agents of the United States.  2. The application must specify:  (a) The name and stockholders’ or members’ equity of the bank filing it.  (b) The powers applied for.  (c) The place or places where the banking operations are to be carried on.  3. The Commissioner may:  (a) Approve or reject the application in whole or in part if for any reason the granting of the application is deemed inexpedient.  (b) From time to time increase or decrease the number of places where the banking operations may be carried on.  4. Every bank operating foreign branches must be required to furnish information concerning the condition of those branches to the Commissioner upon demand, and the Commissioner may order special examinations of such branches at such time or times as the Commissioner may deem best.  5. Each bank shall conduct the accounts of each foreign branch independently of the accounts of other foreign branches established by it and of its home office and shall, at the end of each year, transfer to its general ledger the profit or loss accrued at each branch as a separate item.  (Added to NRS by 1971, 973; A 1983, 1730; 1987, 1905; 1997, 979)
NV Rev Stat § 660.045 (2021)
2021 Nevada Revised Statutes|Chapter 660 - Branch Offices; Electronic Terminals; Automated Tellers|NRS 660.045 - Definitions.

As used in NRS 660.045 to 660.105, inclusive, unless the context otherwise requires:  1. "Electronic terminal" means an electronic device, other than a telephone operated by a customer, through which a customer may initiate an electronic transfer of money. The term includes, but is not limited to, mechanical tellers.  2. "Electronic transfer of money" means any transfer of money, other than a transaction initiated by a check, draft or other similar instrument, that is initiated through an electronic terminal, telephone, computer or magnetic tape for the purpose of ordering, instructing or authorizing a financial institution to debit or credit an account.  3. "Financial institution" means a bank, savings and loan association, savings bank, thrift company or credit union regulated pursuant to this title.  4. "Mechanical teller" means an electronic terminal used by a financial institution to effectuate transactions solely between itself and its customers. The term does not include any device used solely to guarantee the payment of a check or to authorize or verify the issuance of a check.  (Added to NRS by 1985, 983; A 1989, 712)
NV Rev Stat § 660.050 (2021)
2021 Nevada Revised Statutes|Chapter 660 - Branch Offices; Electronic Terminals; Automated Tellers|NRS 660.050 - Authority to operate; terminal is not branch office.

  1. A financial institution may operate one or more electronic terminals in this State.  2. For the purposes of NRS 660.045 to 660.105, inclusive, and this title, an electronic terminal is not a branch office of a financial institution organized under the provisions of this title.  (Added to NRS by 1989, 711)
NV Rev Stat § 660.052 (2021)
2021 Nevada Revised Statutes|Chapter 660 - Branch Offices; Electronic Terminals; Automated Tellers|NRS 660.052 - Fee for and record of transaction.

  1. A financial institution operating an electronic terminal may charge a transaction fee to the customer using the electronic terminal if the transaction fee is disclosed electronically during the course of the transaction so as to permit the customer to cancel the transaction without incurring the transaction fee.  2. For each transaction processed by an electronic terminal, except for a transaction involving a negotiable instrument that is its own receipt, the electronic terminal must, at the time of the transaction, make available to the customer a machine processed or handwritten record of each transaction. The record must include:  (a) The amount of the transaction. A fee for the transaction may be included in this amount if the electronic terminal is owned or operated by a person other than the financial institution that holds the customer’s account if the fee is disclosed on the record of the transaction and pursuant to subsection 1.  (b) The date of the transaction.  (c) The type of transaction and the type of account to or from which money is transferred. Codes may be used for this purpose if they are explained on the record of the transaction.  (d) A number or code that identifies the customer, the customer’s account number or the device used to access the electronic terminal.  (e) The location of the electronic terminal, or a number or code identifying that location.  (f) The name of each third party to or from whom money is transferred, if the name provided by the customer can be reproduced by the electronic terminal on the record of the transaction. A code may be used for this purpose only if it is explained on the record of the transaction.  (Added to NRS by 1989, 711; A 2013, 636)
NV Rev Stat § 660.055 (2021)
2021 Nevada Revised Statutes|Chapter 660 - Branch Offices; Electronic Terminals; Automated Tellers|NRS 660.055 - Offices for mechanical tellers: Contents.

In addition to the mechanical tellers, an office for mechanical tellers may include:  1. A night depository; and  2. Employees of the financial institution whose functions do not include the conducting of transactions with customers.  (Added to NRS by 1985, 984)
NV Rev Stat § 660.065 (2021)
2021 Nevada Revised Statutes|Chapter 660 - Branch Offices; Electronic Terminals; Automated Tellers|NRS 660.065 - Offices for mechanical tellers: Authorization by Commissioner; office is not branch office.

  1. When authorized by the Commissioner, a financial institution may establish and operate one or more offices for mechanical tellers in this state.  2. For the purposes of NRS 660.045 to 660.105, inclusive, and this title, an office for mechanical tellers is not a branch office of a financial institution organized under the provisions of this title.  (Added to NRS by 1985, 984; A 1987, 1314, 1906)