reglab/housing_qa huggingface dataset:
NV Rev Stat § 97A.142 (2021)
2021 Nevada Revised Statutes|Chapter 97A - Debt Evidenced by Credit Card|NRS 97A.142 - Verification of identity of person accepting firm offer of credit: When required; actions deemed to be verification of identity.

  1. If a solicitor makes a firm offer of credit for a credit card to a person by mail and receives an acceptance of that offer which has a substantially different address listed for the person than the address to which the solicitor sent the offer, the solicitor shall verify that the person accepting the offer is the same person to whom the offer was made before sending the person the credit card.  2. A solicitor shall be deemed to have verified the address of a person pursuant to subsection 1 if the solicitor:  (a) Telephones the person at a telephone number appearing in a publicly available directory or database as the telephone number of the person to whom the solicitation was made and the person acknowledges his or her acceptance of the solicitation;  (b) Receives from the person accepting the offer of credit proof of identity in the form of an identification document, including, without limitation, a driver’s license, passport, permanent resident card or tribal identification card which confirms that the person accepting the solicitation is the person to whom the solicitation was made; or  (c) Uses any other commercially reasonable means to confirm that the person accepting the solicitation is the person to whom the solicitation was made, including, without limitation, any means adopted in federal regulations.  3. For the purposes of this section:  (a) "Firm offer of credit" has the meaning ascribed to it in 15 U.S.C. § 1681a(l).  (b) "Permanent resident card" means a Permanent Resident Card issued by the United States Citizenship and Immigration Services of the Department of Homeland Security.  (c) "Solicitor" means a person who makes a firm offer of credit for a credit card by mail solicitation, but does not include an issuer or other creditor when that issuer or creditor relies on an independent third party to provide the solicitation services.  (d) "Tribal identification card" means an identification card issued by a tribal government which satisfies the requirements of subsection 3 of NRS 232.006.  (Added to NRS by 2007, 47; A 2017, 88, 1620, 2269)
NV Rev Stat § 97A.145 (2021)
2021 Nevada Revised Statutes|Chapter 97A - Debt Evidenced by Credit Card|NRS 97A.145 - Issuer to provide cardholder with written notice concerning unlawful use of personal identifying information and credit information of cardholder; compliance with federal law deemed compliance with section.

  1. When issuing a credit card to a cardholder in this State, an issuer shall provide the cardholder with the written notice in the form prescribed by the Commissioner of Financial Institutions pursuant to this section.  2. The Commissioner of Financial Institutions shall adopt regulations prescribing the form of the written notice required pursuant to this section. The regulations must provide that the written notice must:  (a) Include, without limitation, the following information:  (1) The policies and procedures adopted by the issuer to protect the personal identifying information and credit information of the cardholder from any unlawful use by another person; and  (2) The legal rights and responsibilities of the cardholder if another person unlawfully uses the personal identifying information and credit information of the cardholder; and  (b) Be printed in a separate box created by bold lines that includes:  (1) A heading indicating the general subject matter of the notice that is printed in at least 12-point type; and  (2) The text of the notice that is printed in at least 10-point type.  3. An issuer that is subject to and complies with the privacy and security provisions of the Gramm-Leach-Bliley Act, 15 U.S.C. §§ 6801 et seq., shall be deemed to be in compliance with the notification requirements of this section.  4. As used in this section:  (a) "Credit information" means any information that is related to credit and derived from a consumer credit report, found on a consumer credit report or provided on an application for a credit card.  (b) "Personal identifying information" has the meaning ascribed to it in NRS 205.4617.  (Added to NRS by 2005, 2502)
NV Rev Stat § 97A.150 (2021)
2021 Nevada Revised Statutes|Chapter 97A - Debt Evidenced by Credit Card|NRS 97A.150 - Liability for charges incurred on credit card account.

  1. A cardholder is personally liable for all charges incurred on his or her credit card account by:  (a) The cardholder or an authorized user; and  (b) Any other person if the charges result in a beneficial use to the cardholder.  2. An authorized user is jointly and severally liable for the actual charges the authorized user incurs on the credit card account of the cardholder.  3. Any person, other than the cardholder or an authorized user, is liable for all charges the person incurs on the credit card account of the cardholder, except for the amount for which the cardholder is liable pursuant to 15 U.S.C. § 1643.  4. Any person who causes an issuer to open a credit card account based on a false or fraudulent application is liable to the issuer for all charges incurred on the account, without regard to whether the charges were authorized by the person responsible for opening the account.  (Added to NRS by 1995, 2599)
NV Rev Stat § 97A.160 (2021)
2021 Nevada Revised Statutes|Chapter 97A - Debt Evidenced by Credit Card|NRS 97A.160 - Records required in action to collect debt: Establishment of liability and amount; authentication; retention.

  1. Notwithstanding the provisions of chapter 52 of NRS, in any action brought to collect a debt owed to an issuer:  (a) The issuer may establish that the cardholder is contractually liable for the debt owed by submitting the written application for a credit card account submitted to the issuer by the cardholder or evidence that the cardholder incurred charges on the account and made payments thereon.  (b) The amount owed may be established by photocopies of:  (1) The periodic billing statements provided by the issuer; or  (2) Information stored by the issuer on a computer, microfilm, microfiche or optical disc which indicate the amount of the debt owed.  2. The content of such records must be authenticated:  (a) Pursuant to the procedures set forth in NRS 52.450 to 52.480, inclusive; or  (b) By the submission of a written affidavit sufficient to establish:  (1) The affiant as the custodian of the written records offered as evidence;  (2) That the written records offered as evidence were made in the ordinary course of the issuer’s business; and  (3) That the written records are true and correct copies of the records retained by the issuer.  3. The liability of a person other than the cardholder for the amount of any debt owed to an issuer may be established by evidence indicating that the person caused the charge to be incurred on the credit card account.  4. An issuer shall retain any record necessary to establish the existence and amount of any debt owed to the issuer for at least 24 months after the record is first published, issued or filed.  (Added to NRS by 1995, 2599)
NV Rev Stat § 97A.165 (2021)
2021 Nevada Revised Statutes|Chapter 97A - Debt Evidenced by Credit Card|NRS 97A.165 - Contents of complaint; limitations.

  1. In an action brought to collect a credit card debt owed to a purchaser of credit card debt:  (a) The complaint must include, without limitation:  (1) The name of the issuer;  (2) The last four digits of the account number originally assigned by the issuer;  (3) All subsequent account numbers assigned to the credit card debt by all assignees of the credit card debt; and  (4) The date of the default on the credit card debt.  (b) No judgment in favor of the purchaser of credit card debt, including, without limitation, a default judgment, may be entered unless:  (1) The complaint includes the information required by paragraph (a) of subsection 1; and  (2) The purchaser of credit card debt has satisfied the standards of proof set forth in subsections 1 and 2 of NRS 97A.160.  2. As used in this section, "purchaser of credit card debt" means a person, other than a financial institution, that purchases any outstanding credit card debt.  (Added to NRS by 2009, 481)
NV Rev Stat § 97A.170 (2021)
2021 Nevada Revised Statutes|Chapter 97A - Debt Evidenced by Credit Card|NRS 97A.170 - Rights of issuer or service provider; action to determine liability for unauthorized negotiable instrument used to make payment.

  1. An issuer or service provider shall be deemed to be a payee with respect to any payment made on a credit card account of a cardholder by a check or other negotiable instrument.  2. Upon the posting of a payment on a credit card account of a cardholder by the issuer or service provider, an issuer has changed its position in reliance thereon if the payment was made by check or other negotiable instrument.  3. A payment made on a credit card account of a cardholder by a check or other negotiable instrument is received by the issuer in good faith if the issuer did not have actual knowledge that the check or other negotiable instrument was forged, altered or unauthorized when it was posted to the account.  4. An action or proceeding brought to determine liability for an allegedly forged, altered or unauthorized check or other negotiable instrument used to make a payment on a credit card account of a cardholder must be determined pursuant to the provisions of chapter 104 of NRS.  (Added to NRS by 1995, 2600)
NV Rev Stat § 97A.180 (2021)
2021 Nevada Revised Statutes|Chapter 97A - Debt Evidenced by Credit Card|NRS 97A.180 - Transfer of information if issuer is subsidiary.

  1. If an issuer is a subsidiary directly or indirectly owned by a bank holding company as defined in 12 U.S.C. § 1841, a savings and loan holding company as defined in 12 U.S.C. § 1467a(a)(1)(D) or a holding company of any other financial institution, information relating to the credit card account of a cardholder may be transferred to and used by other subsidiaries owned by the same bank holding company, savings and loan holding company or holding company of any other financial institution. For the purposes of this subsection, any bank holding company, savings and loan holding company or holding company of any other financial institution shall be deemed the owner of a subsidiary if it or a subsidiary corporation owns 80 percent or more of the stock of a subsidiary or 80 percent or more of the stock of the corporation that owns a subsidiary.  2. An issuer may transfer information relating to the credit card account of a cardholder to any person, other than a secondary cardholder, whose name appears on the face of the credit card of the cardholder.  (Added to NRS by 1995, 2600)
NV Rev Stat § 97A.200 (2021)
2021 Nevada Revised Statutes|Chapter 97A - Debt Evidenced by Credit Card|NRS 97A.200 - Prohibited acts by issuer: Increase of interest rate based upon late payment to another creditor; universal default clauses; exception.

  1. An issuer shall not:  (a) Increase the interest rate it charges a cardholder for the use of the card based upon the late payment by the cardholder to another issuer or a creditor of the cardholder that is not an affiliate or subsidiary of the issuer; or  (b) Include a universal default clause in a contract or other agreement relating to a credit card account.  2. Notwithstanding the provisions of subsection 1, an issuer may increase the interest rate it charges a cardholder for the use of the card based on a change in the credit rating of the cardholder.  3. As used in this section:  (a) "Affiliate or subsidiary of the issuer" means an affiliate or subsidiary that conducts business under a name that is:  (1) The same as the name of the issuer; or  (2) Sufficiently similar to the name of the issuer that a cardholder could reasonably believe that the cardholder is conducting business with the issuer.  (b) "Universal default clause" means a clause or provision that allows an issuer to increase the interest rate it charges a cardholder for the use of the card based upon the late payment by the cardholder to another issuer or a creditor of the cardholder that is not an affiliate or subsidiary of the issuer.  (Added to NRS by 2007, 404, 655)
NV Rev Stat § 97A.210 (2021)
2021 Nevada Revised Statutes|Chapter 97A - Debt Evidenced by Credit Card|NRS 97A.210 - Prohibited acts by issuer: Prohibiting merchant from offering certain discounts.

No issuer may, by contract or otherwise, prohibit a merchant from offering a discount to a customer to induce the customer to pay by cash, check or similar means rather than by use of a credit card or a credit card account for the purchase of goods or services.  (Added to NRS by 2007, 404, 655)
NV Rev Stat § 97B.010 (2021)
2021 Nevada Revised Statutes|Chapter 97B - Consumer Protection From Predatory Interest|NRS 97B.010 - Short title.

This chapter may be cited as the Consumer Protection From the Accrual of Predatory Interest After Default Act.  (Added to NRS by 2019, 2307)
NV Rev Stat § 97B.020 (2021)
2021 Nevada Revised Statutes|Chapter 97B - Consumer Protection From Predatory Interest|NRS 97B.020 - Purpose of chapter; construction.

  1. The purpose of this chapter is to protect consumers.  2. This chapter must be construed as a consumer protections statute for all purposes.  3. This chapter must be liberally construed to effectuate its purpose.  (Added to NRS by 2019, 2307)
NV Rev Stat § 97B.030 (2021)
2021 Nevada Revised Statutes|Chapter 97B - Consumer Protection From Predatory Interest|NRS 97B.030 - Definitions.

As used in this chapter, unless the context otherwise requires, the words and terms defined in NRS 97B.040 to 97B.070, inclusive, have the meanings ascribed to them in those sections.  (Added to NRS by 2019, 2307)
NV Rev Stat § 97B.040 (2021)
2021 Nevada Revised Statutes|Chapter 97B - Consumer Protection From Predatory Interest|NRS 97B.040 - "Business" defined.

Business means a proprietorship, corporation, partnership, association, trust, unincorporated organization or other enterprise doing business in this State.  (Added to NRS by 2019, 2308)
NV Rev Stat § 97B.050 (2021)
2021 Nevada Revised Statutes|Chapter 97B - Consumer Protection From Predatory Interest|NRS 97B.050 - "Consumer" defined.

Consumer means a natural person.  (Added to NRS by 2019, 2308)
NV Rev Stat § 97B.060 (2021)
2021 Nevada Revised Statutes|Chapter 97B - Consumer Protection From Predatory Interest|NRS 97B.060 - "Consumer debt" defined.

Consumer debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family or household purposes, whether or not such obligation has been reduced to judgment.  (Added to NRS by 2019, 2308)
NV Rev Stat § 97B.070 (2021)
2021 Nevada Revised Statutes|Chapter 97B - Consumer Protection From Predatory Interest|NRS 97B.070 - "Consumer form contract" defined.

  1. "Consumer form contract" means a retail charge agreement or a retail installment contract involving a retail installment transaction in writing between a retail seller and a consumer buyer, or a lease in writing between a lessor and a consumer lessee, involving the sale or lease of goods or services, including, without limitation, credit or financial services, primarily for personal, family or household purposes and which has either been drafted by the business or by a third party for use with more than one consumer, unless a second consumer is the spouse of the first consumer.   2. As used in this section:  (a) "Buyer" has the meaning ascribed to it in NRS 97.085.  (b) "Goods" has the meaning ascribed to it in NRS 97.035.  (c) "Retail charge agreement" has the meaning ascribed to it in NRS 97.095.  (d) "Retail installment contract" has the meaning ascribed to it in NRS 97.105.  (e) "Retail installment transaction" has the meaning ascribed to it in NRS 97.115.  (f) "Retail seller" has the meaning ascribed to it in NRS 97.125.  (g) "Services" has the meaning ascribed to it in NRS 97.135.  (Added to NRS by 2019, 2308)
NV Rev Stat § 97B.080 (2021)
2021 Nevada Revised Statutes|Chapter 97B - Consumer Protection From Predatory Interest|NRS 97B.080 - Prohibition against use of consumer form contract; application of chapter to persons who seek to evade its provisions.

  1. A business, including, without limitation, any officer, agent, employee or representative, shall not individually or in cooperation with another, solicit the execution of, receive or rely upon a consumer form contract, including, without limitation, reliance upon the consumer form contract as a basis of a suit or claim, unless the business has complied with the provisions of this chapter.  2. The provisions of this chapter apply to any person who seeks to evade its application by any device, subterfuge or pretense.  (Added to NRS by 2019, 2308)
NV Rev Stat § 97B.090 (2021)
2021 Nevada Revised Statutes|Chapter 97B - Consumer Protection From Predatory Interest|NRS 97B.090 - Exemptions from chapter.

The provisions of this chapter do not apply to:  1. A person doing business pursuant to the authority of any law of this State or of the United States relating to banks, national banking associations, savings banks, trust companies, savings and loan associations, credit unions, mortgage brokers, mortgage bankers, thrift companies or insurance companies, including, without limitation, any affiliate or subsidiary of such a person regardless of whether the affiliate or subsidiary is a bank.  2. Any business:  (a) Whose principal purpose or activity is lending money on real property which is secured by a mortgage;  (b) Approved by the Federal National Mortgage Association as a seller or servicer; and  (c) Approved by the United States Department of Housing and Urban Development and the Department of Veterans Affairs.  3. A person who provides money for investment in loans secured by a lien on real property, on his or her own account.  4. A seller of real property who offers credit secured by a mortgage of the property sold.  5. A person who exclusively extends credit to any person who is not a resident of this State for any business, commercial or agricultural purpose that is located outside this State.  6. A person while performing any act authorized pursuant to chapter 604A of NRS.  7. A motor vehicle manufacturer or distributor, or an affiliate or captive financial entity of a motor vehicle manufacturer or distributor.  (Added to NRS by 2019, 2308)
NV Rev Stat § 97B.100 (2021)
2021 Nevada Revised Statutes|Chapter 97B - Consumer Protection From Predatory Interest|NRS 97B.100 - Consumer form contracts: Enforceability of choice of law and forum selection provisions.

If a consumer form contract is signed by the consumer or otherwise formed while the consumer resides in this State with a person operating within this State:  1. A choice of law provision in a consumer form contract which provides that the consumer form contract is to be governed or interpreted pursuant to the laws of another state is void. Enforcement and interpretation of such a contract must be governed by the laws of this State if enforcement of the consumer form contract is sought in a court of this State.  2. A forum selection provision in a consumer form contract which provides that any claims or actions related to the consumer form contract must be litigated in a forum outside this State is void.  (Added to NRS by 2019, 2309)
NV Rev Stat § 97B.110 (2021)
2021 Nevada Revised Statutes|Chapter 97B - Consumer Protection From Predatory Interest|NRS 97B.110 - Consumer form contracts: Requirement for signature of consumer.

  1. Any consumer form contract involving a loan, extension of credit, deposit account or other financial services must be signed by the consumer in writing or electronically in full compliance with Section 101(c) of the Electronic Signatures in Global and National Commerce Act, 15 U.S.C. § 7001(c).  2. Any change of terms to a consumer form contract must be agreed to by the consumer by affirmative consent, signed in writing or electronically in full compliance with Section 101(c) of the Electronic Signatures in Global and National Commerce Act, 15 U.S.C. § 7001(c).  (Added to NRS by 2019, 2309)
NV Rev Stat § 97B.120 (2021)
2021 Nevada Revised Statutes|Chapter 97B - Consumer Protection From Predatory Interest|NRS 97B.120 - Consumer form contracts: Prohibition on the inclusion of certain provisions.

A consumer form contract must not contain:  1. A provision that the consumer will hold the other party harmless, or that otherwise relieves the other party of liability, for any harm or damage caused to the consumer arising from the consumer form contract.  2. A confession of judgment clause.  3. A waiver of the right to a jury trial, unless the consumer agrees to an alternative dispute resolution such as binding arbitration, in any action brought by or against the consumer.  4. Any assignment of or order for payment of wages or other compensation for services.  5. A provision in which the consumer agrees not to assert any claim or defense arising out of the consumer form contract or to seek any remedies pursuant to any consumer protection law.  6. A waiver of any provision of this chapter or any other consumer protection statute. Any such waiver shall be deemed null, void and of no effect.  7. A provision requiring or having the practical effect of requiring that any aspect of a resolution of a dispute between the parties to the agreement be kept confidential. This subsection does not affect the right of the parties to agree that certain specified information is a trade secret or otherwise confidential or to later agree, after the dispute arises, to keep a resolution confidential.  (Added to NRS by 2019, 2309)
NV Rev Stat § 97B.130 (2021)
2021 Nevada Revised Statutes|Chapter 97B - Consumer Protection From Predatory Interest|NRS 97B.130 - Consumer form contracts: Provisions that violate chapter void; enforceability of other provisions.

A provision in a consumer form contract that violates this chapter shall be void and unenforceable. A court may refuse to enforce other provisions of the consumer form contract as equity may require.  (Added to NRS by 2019, 2310)
NV Rev Stat § 97B.140 (2021)
2021 Nevada Revised Statutes|Chapter 97B - Consumer Protection From Predatory Interest|NRS 97B.140 - Consumer form contracts: Void if entered into with unlicensed person required to be licensed.

Any consumer form contract entered into by a consumer with a person who is required to be licensed pursuant to any provision of NRS or NAC in order to enter into the consumer transaction, but is not so licensed, is void. Neither the obligee nor any assignee of the obligation may collect, receive or retain any principal, finance charge or other fees in connection with the transaction.  (Added to NRS by 2019, 2310)