reglab/housing_qa huggingface dataset:
ID Code § 28-43-308 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 43 - REGULATION OF AGREEMENTS AND PRACTICES|Part 3 - LIMITATIONS ON AGREEMENTS AND PRACTICES IN REGULATED CONSUMER CREDIT TRANSACTIONS|Section 28-43-308 - REFERRAL SALES.

28-43-308. REFERRAL SALES. With respect to a regulated consumer credit sale, the seller may not give or offer to give a rebate or discount or otherwise pay or offer to pay value to the debtor as an inducement for a sale for the debtor giving to the seller the names of prospective buyers, or otherwise aiding the seller in making a sale to another person, if the earning of the rebate, discount, or other value is contingent upon the occurrence of an event after the time the debtor agrees to buy. If a debtor is induced by a violation of this section to enter into a regulated consumer credit sale, the agreement is unenforceable by the seller and the debtor, at his option, may rescind the agreement or retain the property delivered and the benefit of any services performed, without any obligation to pay for them.  History: [28-43-308, added 1983, ch. 119, sec. 3, p. 285.]
ID Code § 28-43-309 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 43 - REGULATION OF AGREEMENTS AND PRACTICES|Part 3 - LIMITATIONS ON AGREEMENTS AND PRACTICES IN REGULATED CONSUMER CREDIT TRANSACTIONS|Section 28-43-309 - RESTRICTIONS ON INTEREST IN LAND AS SECURITY.

28-43-309. RESTRICTIONS ON INTEREST IN LAND AS SECURITY. With respect to a regulated consumer loan in which the principal is one thousand dollars ($1,000) or less, a regulated lender may not contract for an interest in land as security. A security interest taken in violation of this section is void.  History: [28-43-309, added 1983, ch. 119, sec. 3, p. 285.]
ID Code § 28-43-310 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 43 - REGULATION OF AGREEMENTS AND PRACTICES|Part 3 - LIMITATIONS ON AGREEMENTS AND PRACTICES IN REGULATED CONSUMER CREDIT TRANSACTIONS|Section 28-43-310 - REGULAR SCHEDULE OF PAYMENTS — MAXIMUM LOAN TERM.

28-43-310. REGULAR SCHEDULE OF PAYMENTS — MAXIMUM LOAN TERM. Regulated consumer loans, not made pursuant to open-end credit and in which the principal is one thousand dollars ($1,000) or less, shall be scheduled to be payable in substantially equal installments at equal periodic intervals except to the extent that the schedule of payments is adjusted to the seasonal or irregular income of the debtor, and: (1) Over a period of not more than thirty-seven (37) months if the principal is more than three hundred dollars ($300), or (2) Over a period of not more than twenty-five (25) months if the principal is three hundred dollars ($300) or less.  History: [28-43-310, added 1983, ch. 119, sec. 3, p. 285.]
ID Code § 28-43-311 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 43 - REGULATION OF AGREEMENTS AND PRACTICES|Part 3 - LIMITATIONS ON AGREEMENTS AND PRACTICES IN REGULATED CONSUMER CREDIT TRANSACTIONS|Section 28-43-311 - LIMITATION ON ATTORNEY FEES.

28-43-311. LIMITATION ON ATTORNEY FEES. With respect to a regulated consumer loan in which the principal is one thousand dollars ($1,000) or less, the agreement may not provide for the payment by the debtor of attorney’s fees. A provision in violation of this section is unenforceable.  History: [28-43-311, added 1983, ch. 119, sec. 3, p. 285.]
ID Code § 28-43-312 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 43 - REGULATION OF AGREEMENTS AND PRACTICES|Part 3 - LIMITATIONS ON AGREEMENTS AND PRACTICES IN REGULATED CONSUMER CREDIT TRANSACTIONS|Section 28-43-312 - ATTORNEY’S FEES.

28-43-312. ATTORNEY’S FEES. Except as provided by the provisions on limitations on attorney’s fees as to certain regulated consumer loans, section 28-43-311, Idaho Code, with respect to a regulated consumer credit transaction the agreement may provide for the payment by the debtor of reasonable attorney’s fees after default and referral to an attorney not a salaried employee of the creditor. A provision in violation of this section is unenforceable.  History: [28-43-312, added 1983, ch. 119, sec. 3, p. 285.]
ID Code § 28-43-401 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 43 - REGULATION OF AGREEMENTS AND PRACTICES|Part 4 - HOME SOLICITATION SALES|Section 28-43-401 - HOME SOLICITATION SALE DEFINED.

28-43-401. HOME SOLICITATION SALE DEFINED. "Home solicitation sale" means a regulated consumer credit sale of goods or services, in which the seller or a person acting for him personally solicits the sale, and the buyer’s agreement or offer to purchase is given to the seller or a person acting for him, at his residence. It does not include a sale made pursuant to a preexisting open-end credit account with the seller or pursuant to prior negotiations between the parties at a business establishment at a fixed location where goods or services are offered or exhibited for sale, a transaction conducted and consummated entirely by mail or telephone, or a sale which is subject to the provisions of the Federal Consumer Credit Protection Act on the consumer’s right to rescind certain transactions.  History: [28-43-401, added 1983, ch. 119, sec. 3, p. 286.]
ID Code § 28-43-402 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 43 - REGULATION OF AGREEMENTS AND PRACTICES|Part 4 - HOME SOLICITATION SALES|Section 28-43-402 - BUYER’S RIGHT TO CANCEL.

28-43-402. BUYER’S RIGHT TO CANCEL. (1) In addition to any right otherwise to revoke an offer, the buyer may cancel a home solicitation sale until midnight of the third business day after the day on which the buyer signs an agreement or offer to purchase which complies with this part 4. (2) Cancellation occurs when the buyer gives written notice of cancellation to the seller at the address stated in the agreement or offer to purchase. (3) Notice of cancellation, if given by mail, is given when it is properly addressed with postage prepaid and deposited in a mailbox. (4) Notice of cancellation given by the buyer need not take a particular form and is sufficient if it indicates by any form of written expression the intention of the buyer not to be bound by the home solicitation sale.  History: [28-43-402, added 1983, ch. 119, sec. 3, p. 286.]
ID Code § 28-43-403 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 43 - REGULATION OF AGREEMENTS AND PRACTICES|Part 4 - HOME SOLICITATION SALES|Section 28-43-403 - FORM OF AGREEMENT OR OFFER — STATEMENT OF BUYER’S RIGHTS.

28-43-403. FORM OF AGREEMENT OR OFFER — STATEMENT OF BUYER’S RIGHTS. (1) In a home solicitation sale, the seller shall present to the buyer and obtain his signature to a written agreement or offer to purchase that designates as the date of the transaction the date on which the buyer actually signs, and contains a statement of the buyer’s rights that complies with subsection (2) of this section. A copy of any writing required by this subsection to be signed by the buyer, completed at least as to the date of the transaction and the name and mailing address of the seller, shall be given to the buyer at the time he signs the writing. (2) The statement shall either: (a) Comply with any notice of cancellation or similar requirement of any trade regulation rule of the Federal Trade Commission which by its terms applies to the home solicitation sale; or  (b) Appear under the conspicuous caption: "BUYER’S RIGHT TO CANCEL," and read as follows: "If you decide you do not want the goods or services, you may cancel this agreement by mailing a notice to the seller. The notice must say that you do not want the goods or services and must be mailed before midnight of the third business day after you sign this agreement. The notice must be mailed to:   (3) Until the seller has complied with this section, the buyer may cancel the home solicitation sale by notifying the seller in any manner and by any means of his intention to cancel.  History: [28-43-403, added 1983, ch. 119, sec. 3, p. 286.]
ID Code § 28-43-404 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 43 - REGULATION OF AGREEMENTS AND PRACTICES|Part 4 - HOME SOLICITATION SALES|Section 28-43-404 - RESTORATION OF DOWN PAYMENT.

28-43-404. RESTORATION OF DOWN PAYMENT. (1) Within ten (10) days after a notice of cancellation has been received by the seller or an offer to purchase has been otherwise revoked, the seller shall tender to the buyer any payments made by the buyer, any note or other evidence of indebtedness, and any goods traded in. A provision permitting the seller to keep all or any part of any goods traded in, payment, note or evidence of indebtedness is in violation of this section and unenforceable. (2) If the down payment includes goods traded in, the goods shall be tendered in substantially as good condition as when received by the seller. If the seller fails to tender the goods as provided by this section, the buyer may elect to recover an amount equal to the trade-in allowance stated in the agreement. (3) Until the seller has complied with the obligations imposed by this section, the buyer may retain possession of goods delivered to him by the seller and has a lien on the goods in his possession or control for any recovery to which he is entitled.  History: [28-43-404, added 1983, ch. 119, sec. 3, p. 287.]
ID Code § 28-43-405 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 43 - REGULATION OF AGREEMENTS AND PRACTICES|Part 4 - HOME SOLICITATION SALES|Section 28-43-405 - DUTY OF BUYER — NO COMPENSATION FOR SERVICES BEFORE CANCELLATION.

28-43-405. DUTY OF BUYER — NO COMPENSATION FOR SERVICES BEFORE CANCELLATION. Except as provided by the provisions on retention of goods by the buyer, subsection (3) of section 28-43-404, Idaho Code, and allowing for ordinary wear and tear or consumption of the goods contemplated by the transaction, within a reasonable time after a home solicitation sale has been cancelled or an offer to purchase revoked, the buyer upon demand shall tender to the seller any goods delivered by the seller pursuant to the sale, but he is not obligated to tender at any place other than his residence. If the seller fails to demand possession of goods within a reasonable time after cancellation or revocation, the goods become the property of the buyer without obligation to pay for them. For the purpose of this section, a reasonable time is presumed to be forty (40) days.  History: [28-43-405, added 1983, ch. 119, sec. 3, p. 287.]
ID Code § 28-44-101 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 44 - INSURANCE|Part 1 - INSURANCE IN GENERAL|Section 28-44-101 - SHORT TITLE.

28-44-101. SHORT TITLE. This chapter shall be known and may be cited as Idaho Credit Code – Insurance in Regulated Consumer Credit Transactions.  History: [28-44-101, added 1983, ch. 119, sec. 3, p. 287.]
ID Code § 28-44-102 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 44 - INSURANCE|Part 1 - INSURANCE IN GENERAL|Section 28-44-102 - SCOPE — RELATION TO CREDIT INSURANCE ACT — APPLICABILITY TO PARTIES.

28-44-102. SCOPE — RELATION TO CREDIT INSURANCE ACT — APPLICABILITY TO PARTIES. (1) Except as provided in subsection (2) of this section, this chapter applies to insurance provided or to be provided in relation to a regulated consumer credit transaction, as defined in section 28-41-301, Idaho Code. (2) The provision on cancellation by a creditor, section 28-44-304, Idaho Code, applies to loans the primary purpose of which is the financing of insurance. No other provision of this chapter applies to insurance so financed. (3) This chapter supplements and does not repeal the credit insurance act, chapter 23, title 41, Idaho Code. The provisions of this act concerning administrative controls, liabilities, and penalties do not apply to persons acting as insurers, as defined by title 41, Idaho Code, or rules prescribed by the director of the department of insurance.  History: [28-44-102, added 1983, ch. 119, sec. 3, p. 287; am. 2013, ch. 54, sec. 11, p. 120.]
ID Code § 28-44-103 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 44 - INSURANCE|Part 1 - INSURANCE IN GENERAL|Section 28-44-103 - CREDIT INSURANCE — CREDIT INSURANCE ACT — DEFINED.

28-44-103. CREDIT INSURANCE — CREDIT INSURANCE ACT — DEFINED. (1) In this act, "credit insurance" means insurance, other than insurance on property, by which the satisfaction of debt in whole or in part is a benefit provided, but does not include: (a) Insurance provided in relation to a credit transaction in which a payment is scheduled more than fifteen (15) years after the extension of credit; (b) Insurance issued as an isolated transaction on the part of the insurer not related to an agreement or plan for insuring debtors of the creditor; or (c) Insurance indemnifying the creditor against loss due to the debtor’s default. (2) "Credit Insurance Act" means chapter 23, title 41, Idaho Code.  History: [28-44-103, added 1983, ch. 119, sec. 3, p. 288.]
ID Code § 28-44-104 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 44 - INSURANCE|Part 1 - INSURANCE IN GENERAL|Section 28-44-104 - CREDITOR’S PROVISION OF AND CHARGE FOR INSURANCE — EXCESS AMOUNT OF CHARGE.

28-44-104. CREDITOR’S PROVISION OF AND CHARGE FOR INSURANCE — EXCESS AMOUNT OF CHARGE. (1) Except as otherwise provided in this chapter and subject to the provision on maximum charges, section 28-42-201, Idaho Code, a creditor may agree to provide insurance, and may contract for and receive a charge for insurance separate from and in addition to other charges. A creditor need not make a separate charge for insurance provided or required by him. This act does not authorize the issuance of any insurance prohibited under any statute, or rule thereunder, governing the business of insurance. (2) The excess amount of a charge for insurance provided for in agreements in violation of this chapter is an excess charge for the purposes of the provisions of the chapter on remedies and penalties, chapter 45, title 28, Idaho Code, and of the provisions of the chapter on administration, chapter 46, title 28, Idaho Code, as to civil actions by the administrator, section 28-46-113, Idaho Code.  History: [28-44-104, added 1983, ch. 119, sec. 3, p. 288.]
ID Code § 28-44-105 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 44 - INSURANCE|Part 1 - INSURANCE IN GENERAL|Section 28-44-105 - CONDITIONS APPLYING TO INSURANCE TO BE PROVIDED BY CREDITOR.

28-44-105. CONDITIONS APPLYING TO INSURANCE TO BE PROVIDED BY CREDITOR. If a creditor agrees with a debtor to provide insurance: (1) The insurance shall be evidenced by an individual policy, certificate of insurance, application or notice of proposed insurance, disclosed to debtor pursuant to the provisions of section 41-2308, Idaho Code; or (2) The creditor shall promptly notify the debtor of any failure or delay in providing the insurance.  History: [28-44-105, added 1983, ch. 119, sec. 3, p. 288.]
ID Code § 28-44-106 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 44 - INSURANCE|Part 1 - INSURANCE IN GENERAL|Section 28-44-106 - UNCONSCIONABILITY.

28-44-106. UNCONSCIONABILITY. (1) In applying the provisions of this act on unconscionability, sections 28-45-106 and 28-46-111, Idaho Code, to a separate charge for insurance, consideration shall be given, among other factors, to: (a) Potential benefits to the debtor including the satisfaction of his obligations; (b) The creditor’s need for the protection provided by the insurance; and (c) The relation between the amount and terms of credit granted and the insurance benefits provided. (2) If credit insurance otherwise complies with this chapter and other applicable law, neither the amount nor the term of the insurance nor the amount of a charge therefor is in itself unconscionable.  History: [28-44-106, added 1983, ch. 119, sec. 3, p. 288.]
ID Code § 28-44-107 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 44 - INSURANCE|Part 1 - INSURANCE IN GENERAL|Section 28-44-107 - MAXIMUM CHARGE BY CREDITOR FOR INSURANCE.

28-44-107. MAXIMUM CHARGE BY CREDITOR FOR INSURANCE. (1) Except as provided in subsection (2) of this section, if a creditor contracts for or receives a separate charge for insurance, the amount charged to the debtor for the insurance may not exceed the premium to be charged by the insurer, as computed at the time the charge to the debtor is determined, conforming to any rate filings required by law and made by the insurer with the director of the department of insurance. (2) A creditor who provides credit insurance in relation to open-end credit, as defined in section 28-41-301, Idaho Code, may calculate the charge to the debtor in each billing cycle by applying the current premium rate to: (a) The average daily unpaid balance of the debt in the cycle; (b) The unpaid balance of the debt or a median amount within a specified range of unpaid balances of debt on approximately the same day of the cycle. The day of the cycle need not be the day used in calculating the finance charge, section 28-42-201, Idaho Code, but the specified range shall be the range used for that purpose; or (c) The unpaid balances of principal calculated according to the actuarial method.  History: [28-44-107, added 1983, ch. 119, sec. 3, p. 289; am. 2013, ch. 54, sec. 12, p. 121; am. 2014, ch. 97, sec. 11, p. 274.]
ID Code § 28-44-108 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 44 - INSURANCE|Part 1 - INSURANCE IN GENERAL|Section 28-44-108 - REFUND OR CREDIT REQUIRED — AMOUNT.

28-44-108. REFUND OR CREDIT REQUIRED — AMOUNT. (1) Upon prepayment in full of a regulated consumer credit sale or regulated consumer loan by the proceeds of credit insurance, the debtor or his estate is entitled to a refund of any portion of a separate charge for insurance which by reason of prepayment is retained by the creditor or returned to him by the insurer, unless the charge was computed from time to time on the basis of the balances of the debtor’s account. (2) This chapter does not require a creditor to grant a refund or credit to the debtor if all refunds and credits due to the debtor under this chapter amount to less than five dollars ($5.00), and except as provided in subsection (1) of this section, does not require the creditor to account to the debtor for any portion of a separate charge for insurance because: (a) The insurance is terminated by performance of the insurer’s obligation; (b) The creditor pays or accounts for premiums to the insurer in amounts and at times determined by the agreement between them; or (c) The creditor receives directly or indirectly under any policy of insurance a gain or advantage not prohibited by law, or regulations prescribed by the director of the department of insurance. (3) Except as provided in subsection (2) of this section, the creditor shall promptly make or cause to be made an appropriate refund or credit to the debtor with respect to any separate charge made to him for insurance if: (a) The insurance is not provided or is provided for a shorter term than that for which the charge to the debtor for insurance was computed; or (b) The insurance terminates prior to the end of the term for which it was written because of prepayment in full or otherwise. (4) A refund or credit required by subsection (3) of this section is appropriate as to amount if it is computed according to a method prescribed or approved by the director of the department of insurance or a formula filed by the insurer with the director of the department of insurance at least thirty (30) days before the debtor’s right to a refund or credit becomes determinable, unless the method or formula is employed after the director of the department of insurance notifies the insurer that he disapproves it.  History: [28-44-108, added 1983, ch. 119, sec. 3, p. 289; am. 1993, ch. 42, sec. 1, p. 114.]
ID Code § 28-44-109 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 44 - INSURANCE|Part 1 - INSURANCE IN GENERAL|Section 28-44-109 - EXISTING INSURANCE — CHOICE OF INSURER.

28-44-109. EXISTING INSURANCE — CHOICE OF INSURER. If a creditor requires insurance, upon notice to the creditor, the debtor, as provided in section 41-2313, Idaho Code, shall have the option of providing the required insurance through an existing policy of insurance owned or controlled by the debtor, or through a policy to be obtained and paid for by the debtor, but the creditor may for reasonable cause, as defined in section 41-1312, Idaho Code, decline the insurance provided by the debtor.  History: [28-44-109, added 1983, ch. 119, sec. 3, p. 290.]
ID Code § 28-44-110 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 44 - INSURANCE|Part 1 - INSURANCE IN GENERAL|Section 28-44-110 - CHARGE FOR INSURANCE IN CONNECTION WITH A DEFERRAL, REFINANCING, OR CONSOLIDATION — DUPLICATE CHARGES.

28-44-110. CHARGE FOR INSURANCE IN CONNECTION WITH A DEFERRAL, REFINANCING, OR CONSOLIDATION — DUPLICATE CHARGES. (1) A creditor may not contract for or receive a separate charge for insurance in connection with a deferral, section 28-42-302, Idaho Code, a refinancing, section 28-42-303, Idaho Code, or a consolidation, section 28-42-304, Idaho Code, unless: (a) The debtor agrees at or before the time of the deferral, refinancing, or consolidation that the charge may be made; (b) The debtor is or is to be provided with insurance for an amount or a term, or insurance of a kind, in addition to that to which he would have been entitled had there been no deferral, refinancing, or consolidation; (c) The debtor receives a refund or credit on account of any unexpired term of existing insurance in the amount that would be required if the insurance were terminated, section 28-44-108, Idaho Code; and (d) The charge does not exceed the amount permitted by this chapter, section 28-44-107, Idaho Code. (2) A creditor may not contract for or receive a separate charge for insurance which duplicates insurance with respect to which the creditor has previously contracted for or received a separate charge.  History: [28-44-110, added 1983, ch. 119, sec. 3, p. 290.]
ID Code § 28-44-111 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 44 - INSURANCE|Part 1 - INSURANCE IN GENERAL|Section 28-44-111 - COOPERATION BETWEEN DEPARTMENTS.

28-44-111. COOPERATION BETWEEN DEPARTMENTS. The director of the department of finance and the director of the department of insurance are authorized and directed to consult and assist one another in maintaining compliance with this chapter. They may jointly pursue investigations, prosecute suits, and take other official action, as may seem to them appropriate, if either of them is otherwise empowered to take the action. If the director is informed of a violation or suspected violation by an insurer of this chapter, or of the insurance laws, rules, and regulations of this state, he shall advise the director of the department of insurance of the circumstances.  History: [28-44-111, added 1983, ch. 119, sec. 3, p. 290.]