reglab/housing_qa huggingface dataset:
FL Stat § 655.94 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.94 - Special Remedies for Nonpayment of Rent.

655.94 Special remedies for nonpayment of rent.—(1) If the rental due on a safe-deposit box has not been paid for 3 months, the lessor may send a notice by certified mail to the last known address of the lessee stating that the safe-deposit box will be opened and its contents stored at the expense of the lessee unless payment of the rental is made within 30 days. If the rental is not paid within 30 days from the mailing of the notice, the box may be opened in the presence of an officer of the lessor and of a notary public. The contents shall be sealed in a package by a notary public who shall write on the outside the name of the lessee and the date of the opening. The notary public shall execute a certificate reciting the name of the lessee, the date of the opening of the box, and a list of its contents. The certificate shall be included in the package, and a copy of the certificate shall be sent by certified mail to the last known address of the lessee. The package shall then be placed in the general vaults of the lessor at a rental not exceeding the rental previously charged for the box. The lessor has a lien on the package and its contents to the extent of any rental due and owing plus the actual, reasonable costs of removing the contents from the safe-deposit box.(2) If the contents of the safe-deposit box have not been claimed within 1 year after the mailing of the certificate, the lessor may send a further notice to the last known address of the lessee stating that, unless the accumulated charges are paid within 30 days, the contents of the box will be sold at public auction at a specified time and place or, in the case of securities listed on a stock exchange, will be sold upon the exchange on or after a specified date and unsalable items will be destroyed. The time, place, and manner of sale shall also be posted conspicuously on the premises of the lessor and advertised once in a newspaper of general circulation in the community. If the articles are not claimed, they may then be sold in accordance with the notice. The balance of the proceeds, after deducting accumulated charges, including the expenses of advertising and conducting the sale, shall be deposited to the credit of the lessee in any account maintained by the lessee, or, if none, shall be deemed a deposit account with the financial institution operating the safe-deposit facility, and shall be identified on the books of the financial institution as arising from the sale of contents of a safe-deposit box.(3) Any documents or writings of a private nature, and having little or no apparent value, need not be offered for sale, but shall be retained, unless claimed by the owner, for the period specified for unclaimed contents, after which they may be destroyed.History.—s. 70, ch. 92-303; s. 12, ch. 2004-340; s. 95, ch. 2004-390.
FL Stat § 655.942 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.942 - Standards of Conduct; Institutions.

655.942 Standards of conduct; institutions.—(1) A financial institution that is licensed or authorized to do business pursuant to the financial institutions codes, or its officers, directors, or employees may not make or grant any loan or gratuity to any employee of the office who has authority to examine or otherwise supervise such financial institution.(2) A financial institution which violates this section shall be subject to penalties as provided in s. 655.041.History.—s. 71, ch. 92-303; s. 32, ch. 99-155; s. 1735, ch. 2003-261.
FL Stat § 655.943 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.943 - Applications; Verification.

655.943 Applications; verification.—All information required by the financial institutions codes or rule of the commission to be furnished in conjunction with applications to form, acquire or acquire assets of, merge, or change control of a financial institution must be verified by the office by all reasonable means available. The office shall conduct a detailed review of all financial information provided by an applicant, including a review of assets totaling 5 percent or more of the applicant’s net worth.History.—s. 72, ch. 92-303; s. 1736, ch. 2003-261.
FL Stat § 655.946 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.946 - Single Interest Insurance Placed by Financial Institutions.

655.946 Single interest insurance placed by financial institutions.—(1) If a financial institution purchases, or causes to be issued, insurance coverage to protect its security interest in a loan or indebtedness, and pursuant to contract or other agreement the borrower is responsible for payment of the premium, the financial institution must notify the borrower within 30 days after such purchase or issuance, in writing sent by first-class mail, of the following:(a) The financial institution has purchased or caused to be issued an insurance policy which covers only its property interest which is the security for the loan or indebtedness.(b) The borrower may avoid any additional premium charges by purchasing an acceptable dual interest insurance policy within 30 days after this notice, which shall terminate the single interest policy as of the effective date of the dual interest policy, and that any unearned premium paid will be returned, plus interest.(2) This section does not apply to single interest insurance policies which provide coverage for property which is in transit or for conversion, embezzlement, or secretion by the borrower.History.—s. 73, ch. 92-303.
FL Stat § 655.947 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.947 - Debt Cancellation Products.

655.947 Debt cancellation products.—(1) Debt cancellation products may be offered, and a fee may be charged, by financial institutions and subsidiaries of financial institutions subject to this section and the rules and orders of the commission or office. As used in this section, the term “financial institutions” includes those defined in s. 655.005, insured depository institutions as defined in 12 U.S.C. s. 1813, and subsidiaries of such institutions.(2) A financial institution shall manage the risks associated with debt cancellation products in accordance with prudent safety and soundness principles. A financial institution shall establish and maintain effective risk management and control processes over its debt cancellation products and programs. Such processes shall include appropriate recognition and financial reporting of income, expenses, assets, and liabilities and appropriate treatment of all expected and unexpected losses associated with the products. Each financial institution shall also assess the adequacy of its internal control and risk mitigation activities in view of the nature and scope of its debt cancellation products and programs.(3) The commission shall adopt rules pursuant to ss. 120.536(1) and 120.54 to administer this section, which rules must be consistent with 12 C.F.R. part 37, as amended.(4) For the purposes of this section and any rules adopted pursuant to this section, a periodic payment option is not required to be offered for any debt cancellation product designed to protect a customer against a deficiency between the outstanding loan or lease amount and the value of the motor vehicle that is used as collateral for the loan or lease.History.—s. 10, ch. 2008-75; s. 14, ch. 2011-194.
FL Stat § 655.949 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.949 - Personnel; Qualifications.

655.949 Personnel; qualifications.—The office shall establish and publish educational, professional, and other appropriate qualifications for each position in the office authorized to participate in the regulation of financial institutions, including positions with the authority to overrule the actions or decisions of professional examiners or legal staff in their exercise of their duties under the financial institutions codes. Such qualifications shall contain at a minimum sufficient experience and expertise in the regulation of financial institutions as to clearly justify the exercise of authority to overrule the actions or decisions of professional examiners or legal staff.History.—s. 74, ch. 92-303; s. 1738, ch. 2003-261.
FL Stat § 655.954 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.954 - Financial Institution Loans; Credit Cards.

655.954 Financial institution loans; credit cards.—(1) Notwithstanding any other provision of law, a financial institution shall have the power to make loans or extensions of credit to any person on a credit card or overdraft financing arrangement and to charge, in any billing cycle, interest on the outstanding amount at a rate that is specified in a written agreement, between the financial institution and borrower, governing the credit card account. Such credit card agreement may modify any terms or conditions of such credit card account upon prior written notice of such modification as specified by the terms of the agreement governing the credit card account or by the Truth in Lending Act, 15 U.S.C. ss. 1601 et seq., as amended, and the rules and regulations adopted under such act. Any such notice provided by a financial institution shall specify that the borrower has the right to surrender the credit card whereupon the borrower shall have the right to continue to pay off the borrower’s credit card account in the same manner and under the same terms and conditions as then in effect. The borrower’s failure to surrender the credit card prior to the modifications becoming effective shall constitute a consent to the modifications.(2) In conjunction with entering into any contract or agreement for a loan, line of credit, or loan extension, a financial institution, insured depository institution as defined in 12 U.S.C. s. 1813, and subsidiaries of such institutions may offer, for a fee or otherwise, optional debt cancellation products pursuant to s. 655.947 and rules adopted under that section. The financial institution may not require the purchase of a debt cancellation product as a condition for making the loan, line of credit, or loan extension.(3) For the purpose of this section, the term:(a) “Billing cycle” has the same meaning as ascribed to it under the federal Truth in Lending Act, 15 U.S.C. ss. 1601 et seq., as amended, and the associated regulations which are in effect as of January 31, 2008.(b) “Interest” means those charges considered a finance charge under the federal Truth in Lending Act, 15 U.S.C. ss. 1601 et seq., as amended, and the associated regulations which are in effect as of January 31, 2008.History.—s. 1, ch. 69-339; s. 3, ch. 76-168; s. 1, ch. 77-457; ss. 10, 15, ch. 79-274; s. 1, ch. 79-592; ss. 40, 151, 152, ch. 80-260; ss. 2, 3, ch. 81-318; s. 1, ch. 88-58; ss. 1, 4, ch. 91-307; ss. 1, 212, ch. 92-303; s. 11, ch. 2008-75.Note.—Former s. 659.181; s. 658.50.
FL Stat § 655.955 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.955 - Liability of Financial Institution to Third Parties.

655.955 Liability of financial institution to third parties.—A financial institution is not civilly liable to a third party for the actions or operations of a person solely by virtue of extending a loan or a line of credit to such person. This section does not modify, limit, or restrict the authority of a state agency under applicable law to conduct an investigation, bring a civil or administrative action, or otherwise enforce state or federal laws against a financial institution.History.—s. 17, ch. 2014-91.
FL Stat § 655.961 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.961 - Violation of Specified Provisions Not Negligence per Se.

655.961 Violation of specified provisions not negligence per se.—A violation of the provisions of ss. 655.960-655.965 or any regulation made pursuant thereto does not constitute negligence per se.History.—s. 1, ch. 94-343; s. 84, ch. 2000-158.
FL Stat § 655.962 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.962 - Lighting; Mirrors; Landscaping.

655.962 Lighting; mirrors; landscaping.—(1) Each operator, or other person responsible for an automated teller machine pursuant to ss. 655.960-655.965, shall provide lighting during the hours of darkness with respect to an open and operating automated teller machine and any defined parking area, access area, and the exterior of an enclosed automated teller machine installation, as follows:(a) There shall be a minimum of 10 candlefoot power at the face of the automated teller machine and extending in an unobstructed direction outward 5 feet.(b) There shall be a minimum of 2 candlefoot power within 50 feet in all unobstructed directions from the face of the automated teller machine. If the automated teller machine is located within 10 feet of the corner of the building and the automated teller machine is generally accessible from the adjacent side, there shall be a minimum of 2 candlefoot power along the first 40 unobstructed feet of the adjacent side of the building.(c) There shall be a minimum of 2 candlefoot power in that portion of the defined parking area within 60 feet of the automated teller machine.(2) The operator shall provide reflective mirrors or surfaces at each automated teller machine which provide the customer with a rear view while the customer is engaged in using the automated teller machine.(3) The operator, or other person responsible pursuant to ss. 655.960-655.965 for an automated teller machine, shall ensure that the height of any landscaping, vegetation, or other physical obstructions in the area required to be lighted pursuant to subsection (1) for any open and operating automated teller machine shall not exceed 3 feet, except that trees trimmed to a height of 10 feet and whose diameters are less than 2 feet and manmade physical obstructions required by statute, law, code, ordinance, or other governmental regulation shall not be affected by this subsection.History.—s. 1, ch. 94-343; s. 85, ch. 2000-158; s. 14, ch. 2001-64.
FL Stat § 655.963 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.963 - Access Devices.

655.963 Access devices.—Customers receiving access devices shall be furnished by the respective issuers thereof with such information regarding safety precautions as the commission may require by rule. This information shall be furnished by personally delivering or mailing the information to each customer whose mailing address as to the account to which the access device relates is in this state. Such information shall be furnished with respect to access devices issued on or after October 1, 1994, at or before the time the customer is furnished with his or her access device. With respect to a customer to whom an “accepted access device,” as defined in Federal Reserve Board Regulation E, 12 C.F.R. part 205, has been issued prior to October 1, 1994, the information shall be delivered on or before 6 months from October 1, 1994. Only one notice need be furnished per household, and if access devices are furnished to more than one customer for a single account or set of accounts or on the basis of a single application or other request for access devices, only a single notice need be furnished in satisfaction of the notification responsibilities as to those customers. The information may be included with other disclosures related to the access device furnished to the customer, such as with any initial or periodic disclosure statement furnished pursuant to the Electronic Fund Transfer Act.History.—s. 1, ch. 94-343; s. 1739, ch. 2003-261.
FL Stat § 655.964 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.964 - Application.

655.964 Application.—(1) The provisions of ss. 655.961 and 655.962 do not apply to any automated teller machine which is:(a) Located inside of a building, unless it is a freestanding installation which exists for the sole purpose of providing an enclosure for the automated teller machine.(b) Located inside a building, except to the extent a transaction can be conducted from outside the building.(c) Located in any area, including any access area, building, enclosed space, or parking area which is not controlled by the operator.(2) The provisions of ss. 655.960-655.965 shall not be construed to create any duty, responsibility, or obligation for any person or entity whose primary function is to provide for the exchange, transfer, or dissemination of electronic funds transfer data and is not otherwise a financial institution, as defined in s. 655.005, or an operator.History.—s. 1, ch. 94-343.
FL Stat § 655.965 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.965 - Preemption; Prohibition.

655.965 Preemption; prohibition.—Except as expressly provided, the provisions of this section and ss. 655.960-655.964 supersede and preempt all rules, regulations, codes, or ordinances of any city, county, municipality, or other political subdivision of this state, and of any local agency regarding customer safety at automated teller machines located in this state.History.—s. 1, ch. 94-343.
FL Stat § 655.966 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.966 - Automated Teller Machine; Surcharge Disclosure.

655.966 Automated teller machine; surcharge disclosure.—(1) The operator or owner of an automated teller machine in this state may charge an access fee or surcharge to a customer for the use of that machine. The fee or surcharge must be disclosed in compliance with 12 C.F.R. part 205, as amended.(2)(a) Subject to the requirements of subsection (1), an agreement to operate or share an automated teller machine may not prohibit, limit, or restrict the right of the operator or owner of an automated teller machine, as defined in s. 655.960(3), to charge an access fee or surcharge, not otherwise prohibited under state or federal law, to a customer conducting a transaction using an account from an international banking corporation as defined in s. 663.01(6).(b) Notwithstanding paragraph (a), this section does not prohibit or otherwise limit the ability of an operator or owner of an automated teller machine to voluntarily enter into an agreement regarding participation in an access fee-free or surcharge-free network.History.—s. 1, ch. 2006-216; s. 1, ch. 2008-166.
FL Stat § 655.967 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.967 - State-Funded Endowments.

655.967 State-funded endowments.—A state-mandated endowment funded through a general appropriations act prior to 1990 may be maintained in trust accounts in financial institutions as defined in s. 655.005.History.—s. 9, ch. 2008-75.
FL Stat § 657.001 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 657 - Credit Unions|657.001 - Short Title.

657.001 Short title.—This chapter may be cited as the “Florida Credit Union Act.”History.—ss. 1, 6, ch. 80-258; ss. 2, 3, ch. 81-318; s. 1, ch. 91-307; s. 1, ch. 92-303; s. 141, ch. 2004-5.
FL Stat § 657.002 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 657 - Credit Unions|657.002 - Definitions.

657.002 Definitions.—As used in this chapter:(1) “Capital” means shares, deposits, and equity.(2) “Corporate credit union” means any credit union organized pursuant to any state or federal act for the purpose of serving other credit unions.(3) “Correspondent” means that person designated on an application to organize a credit union as the person to whom all correspondence regarding the application should be sent.(4) “Credit union” means any cooperative society organized pursuant to this chapter.(5) “Deposits” means that portion of the money placed into the credit union by members on which interest may be paid.(6) “Equity” means undivided earnings, regular reserves, and other reserves.(7) “Foreign credit union” means a credit union organized and operating under the laws of another state.(8) “Immediate family” means parents, children, spouse, or surviving spouse of the member, or any other relative by blood, marriage, or adoption.(9) “Limited field of membership” means the defined group of persons designated as eligible for membership in the credit union who:(a) Have a similar profession, occupation, or formal association with an identifiable purpose;(b) Live or work within an identifiable neighborhood, community, rural district, or county;(c) Are employed by a common employer; or(d) Are employed by the credit union; andmembers of the immediate family of persons within such group.(10) “Shares” means the money placed into the credit union by members on which dividends may be paid.History.—ss. 1, 6, ch. 80-258; ss. 2, 3, ch. 81-318; ss. 7, 58, ch. 85-82; s. 1, ch. 91-307; ss. 1, 77, ch. 92-303; s. 1740, ch. 2003-261; s. 142, ch. 2004-5; s. 7, ch. 2005-181.
FL Stat § 657.003 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 657 - Credit Unions|657.003 - Purposes.

657.003 Purposes.—A credit union is a cooperative, nonprofit association, organized under this chapter, for the purposes of encouraging thrift among its members, creating sources of credit at fair and reasonable rates of interest, and providing an opportunity for its members to use and control their resources on a democratic basis in order to improve their economic and social condition.History.—ss. 1, 6, ch. 80-258; ss. 2, 3, ch. 81-318; s. 1, ch. 91-307; s. 1, ch. 92-303.
FL Stat § 657.0061 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 657 - Credit Unions|657.0061 - Amendments to Bylaws.

657.0061 Amendments to bylaws.—(1) All bylaw amendments must be submitted to the office. The office shall approve or disapprove bylaw amendments within 60 days after receipt. The office shall approve the proposed bylaw amendment unless it finds that the amendment:(a) Is not in the best interest of the membership;(b) Is not in accord with sound credit union practices;(c) Exposes the assets of the credit union to unnecessary risks; or(d) Is not in compliance with applicable statutes or rules.(2) The commission may, by rule, allow certain bylaw amendments that are ministerial in nature to become effective immediately upon filing with the office.History.—s. 80, ch. 92-303; s. 1742, ch. 2003-261; s. 9, ch. 2005-181.
FL Stat § 657.022 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 657 - Credit Unions|657.022 - Executive Officers.

657.022 Executive officers.—(1) At the organizational meeting and within 31 days following each annual meeting of the members, the directors shall hold the annual meeting of the board of directors and elect from their own number a presiding officer, who may be designated as chair of the board or president; one or more vice chairs or one or more vice presidents, as the case may be; a treasurer; and a secretary. The treasurer and the secretary may be the same individual. The persons so elected shall be the executive officers of the organization.(2) The terms of the executive officers shall be 1 year, or until their successors are chosen and have duly qualified.(3) The duties of the executive officers shall be prescribed in the bylaws.History.—ss. 1, 6, ch. 80-258; ss. 2, 3, ch. 81-318; s. 1, ch. 91-307; s. 1, ch. 92-303; s. 534, ch. 97-102; s. 12, ch. 2005-181.