reglab/housing_qa huggingface dataset:
HI Rev Stat § 481M-18 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481M. Lease-Purchase Agreements for Personal Property|481M-18 Advertisement of lease-purchase agreement.

  §481M-18 Advertisement of lease-purchase agreement. If an advertisement for a lease-purchase agreement refers to or states the dollar amount of any payment and the right to acquire ownership of any one specific item, the advertisement shall also clearly and conspicuously state the following items, as applicable:  (1) That the transaction advertised is a lease-purchase agreement;  (2) The total of payments necessary to acquire ownership; and  (3) That the lessee acquires no ownership rights if the total amount necessary to acquire ownership is not paid.  Any owner or personnel of any medium in which an advertisement appears or through which it is disseminated is not liable under this section.  This section shall not apply to an advertisement which does not refer to or state the amount of any payment, or which is published in the yellow pages of a telephone directory or in any similar directory of business. [L 1997, c 248, pt of §1]
HI Rev Stat § 481P-1 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481P. Telemarketing Fraud Prevention Act|481P-1 Definitions.

 §481P-1 Definitions. Whenever used in this chapter, unless the context requires otherwise:  "Consumer" or "purchaser" means a person who is, or may be, required to pay for goods or services offered by a seller or telephone solicitor through telemarketing and includes but is not limited to a consumer as defined in section 480-1.  "Express verifiable authorization" means express written authorization by the consumer, including but not limited to the consumer's signature on a negotiable instrument, that specifically authorizes the seller or telephone solicitor to obtain payment from a consumer's checking, savings, or bank card account.  "Goods or services" means any real property or any tangible or intangible personal property or services of any kind provided or offered to a consumer.  "Investment opportunity" means anything tangible or intangible, that is offered for sale, sold, or traded based wholly or in part on representations, either express or implied, about past, present, or future income, profit, or appreciation.  "Material" means any factor likely to affect a person's choice of, or conduct regarding, goods or services.  "Outbound telephone call" means a telephone call initiated by a seller or telephone solicitor to induce the purchase of goods or services.  "Payment" means anything of value, including any interest, benefit, privilege, claim, or right with respect to anything of value, whether real or personal, tangible or intangible.  "Prize" means anything offered or purportedly offered and given or purportedly given to a consumer by chance.  "Prize promotion" means a sweepstakes or other game of chance or an oral or written representation that a consumer has won, has been selected to receive, or is eligible to receive a prize or purported prize.  "Recovery service" means any business or other practice in which a person represents or implies that, for a fee, any amount a consumer has paid out to a seller or telephone solicitor may be recovered.  "Seller" means any person, who, in connection with a telemarketing transaction, solicits funds or contributions, or arranges for a telephone solicitor to solicit funds or contributions, or provides, offers to provide, or arranges for others to provide goods or services to the consumer in exchange for consideration.  "Telemarketing" means a plan, program, or campaign, including a prize promotion or investment opportunity, that is conducted to induce the purchase of goods or services or to solicit funds or contributions by use of one or more telephones and that involves more than one telephone call.  "Telephone solicitor" means any person who in connection with telemarketing, initiates or receives telephone calls to or from a consumer, where either or both parties to the telephone call are located in this State. [L 1999, c 170, pt of §1]
HI Rev Stat § 481P-3 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481P. Telemarketing Fraud Prevention Act|481P-3 Abusive telemarketing acts or practices.

  §481P-3 Abusive telemarketing acts or practices. It is an abusive telemarketing act or practice and a violation of this chapter for any seller or telephone solicitor to engage in the following conduct:  (1) Threaten, intimidate, or use profane or obscene language;  (2) Request a fee to remove derogatory information from or to improve a consumer's credit history or credit record until:  (A) The time frame in which the seller or telephone solicitor has represented that all of the goods or services will be provided to that consumer has expired; and  (B) The seller or telephone solicitor has provided the consumer with documentation in the form of a credit report from a credit reporting agency demonstrating that the promised results have been achieved, the report having been issued more than six months after the results were achieved. Nothing in this chapter shall be construed to affect the requirement of section 604 of the Fair Credit Reporting Act, 15 U.S.C. section 1681b, that a consumer report may only be obtained for a specified permissible purpose;  (3) Request or receive payment from a consumer to recover or otherwise aid in the return of money or any other item lost by the consumer in a telemarketing transaction, until seven business days after the money or other item is delivered to the consumer;  (4) Request or actually receive payment of any fee in advance of obtaining a loan or other extension of credit when a high likelihood of success has been represented to the consumer by the seller or telephone solicitor;  (5) Cause the telephone to ring more than ten times in an outbound telephone call;  (6) Engage any consumer repeatedly or continuously with behavior a reasonable person would deem to be annoying, abusive, or harassing;  (7) Initiate an outbound telephone call to a consumer, when the person has stated previously that the consumer does not wish to receive telephone calls from that seller or telephone solicitor; provided that the seller or telephone solicitor will not be liable for violating this paragraph if:  (A) It has established and implemented written procedures to comply with this paragraph, which procedures shall meet the minimum standards set forth in 47 C.F.R. section 64.1200(e)(2);  (B) It has trained its personnel in the procedures established pursuant to subparagraph (A);  (C) The seller, or telephone solicitor acting on behalf of the seller, has maintained and recorded lists of persons who may not be contacted in compliance with this paragraph; and  (D) The call is the result of error; or  (8) Initiate an outbound telephone call to a consumer's residence at any time other than between 8:00 a.m. and 9:00 p.m. local time at the location of the consumer called. [L 1999, c 170, pt of §1; am L 2008, c 19, §38]
HI Rev Stat § 481P-5 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481P. Telemarketing Fraud Prevention Act|481P-5 Exemptions.

  §481P-5 Exemptions. This chapter shall not apply to:  (1) A person who initiates telephone calls to a residence for the sole purpose of polling or soliciting the expression of ideas, opinions, or votes, or a person soliciting solely for a political or religious cause or purpose;  (2) A securities broker-dealer, salesperson, investment adviser, or investment adviser representative who is registered with this State to sell securities or who is authorized to sell securities in this State pursuant to federal securities laws, when soliciting over the telephone within the scope of the person's registration;  (3) A financial institution that is authorized to accept deposits under its chartering or licensing authority where such deposits are insured by the Federal Deposit Insurance Corporation or the National Credit Union Administration, including but not limited to a bank, savings bank, savings and loan association, depository financial services loan company, or credit union, or a nondepository financial services loan company that is licensed or authorized to conduct business in this State by the commissioner of financial institutions, or an affiliate or subsidiary of a financial institution as defined in chapter 412;  (4) A person or organization that is licensed or authorized to conduct business in this State by the insurance commissioner including but not limited to an insurance company and its employees, while engaged in the business of selling or advertising the sale of insurance products or services;  (5) A college or university accredited by an accrediting organization recognized by the United States Department of Education;  (6) A person who publishes a catalog of at least fifteen pages, four times a year, with a circulation of at least one hundred thousand, where the catalog includes clear disclosure of sale prices, shipping, handling, and other charges;  (7) A political subdivision or instrumentality of the United States, or any state of the United States;  (8) The sale of goods or services by telecommunications or landline (i.e., cable) or wireless video service providers, for which the terms and conditions of the offering, production, or sale are regulated by the public utilities commission or the Federal Communications Commission, or pursuant to chapter 440G, including the sale of goods or services by affiliates of these telecommunications or video service providers. Nothing herein shall be construed to preclude or preempt actions brought under any other laws including chapter 480;  (9) A real estate broker or salesperson who is licensed by this State to sell real estate, when soliciting within the scope of the license; or  (10) A travel agency that is registered with this State, when engaging in the business of selling or advertising the sale of travel services. [L 1999, c 170, pt of §1; am L 2008, c 19, §39]
HI Rev Stat § 481P-6 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481P. Telemarketing Fraud Prevention Act|481P-6 Unfair or deceptive act or practice.

  §481P-6 Unfair or deceptive act or practice. Any person who violates this chapter shall be deemed to have engaged in an unfair method of competition and unfair or deceptive act or practice in the conduct of any trade or commerce within the meaning of section 480-2. [L 1999, c 170, pt of §1; am L 2008, c 19, §40]
HI Rev Stat § 481P-7 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481P. Telemarketing Fraud Prevention Act|481P-7 Other relief available.

  §481P-7 Other relief available. The relief provided in this chapter is in addition to remedies otherwise available for the same conduct under the common law or other state or federal statutes or rules. [L 1999, c 170, pt of §1]
HI Rev Stat § 481P-8 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481P. Telemarketing Fraud Prevention Act|481P-8 Contracts voidable.

  §481P-8 Contracts voidable. A contract or agreement made as a result of telemarketing activity that violates this chapter is voidable by the consumer for any reason at any time and shall not be enforced against the consumer and any debt arising therefrom shall not be reported to a credit reporting agency. [L 1999, c 170, pt of §1]
HI Rev Stat § 481R-1 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481R. Vehicle Protection Product Warrantors|481R-1 Definitions.

 §481R-1 Definitions. As used in this chapter:  "Commissioner" means the insurance commissioner.  "Consumer" means a person in this State who purchases or otherwise possesses a vehicle protection product.  "Department" means the department of commerce and consumer affairs.  "Reimbursement insurance policy" means a policy of insurance issued to a warrantor to:  (1) Provide reimbursement to the warrantor under the terms of the insured vehicle protection product issued or sold by the warrantor; and  (2) Pay on behalf of the warrantor, in the event of the warrantor's nonperformance, all covered obligations incurred by the warrantor under the terms of the insured vehicle protection product issued or sold by the warrantor.  "Seller" means a person engaged in the business of offering a vehicle protection product for sale to a consumer.  "Vehicle identification number" means a serial number or identification mark of any vehicle established by the manufacturer for the purpose of identifying the vehicle.  "Vehicle protection product" means a product or system, which includes a written warranty, that is:  (1) Installed or applied to a vehicle; and  (2) Designed to prevent loss or damage to a vehicle from a specific cause.  "Warrantor" means a person named under the terms of a vehicle protection product warranty as the contractual obligor to the consumer. [L 2002, c 237, pt of §1]
HI Rev Stat § 481R-2 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481R. Vehicle Protection Product Warrantors|481R-2 Applicability of chapter.

 §481R-2 Applicability of chapter. (a) This chapter shall apply only to vehicle protection products delivered to consumers in the State of Hawaii, the warranties of which require the warrantor, to the extent agreed on as part of the warranty, to pay expenses to the consumer for the loss of or damage to the vehicle.  (b) A vehicle protection product which includes the application of a serial number or identification mark to a component or part of the vehicle shall include the vehicle identification number of the vehicle to which the product is applied. This chapter shall not apply to such a product if the product does not include the respective vehicle identification number.  (c) Loss of or damage to the vehicle under subsection (a) may also include unreimbursed incidental expenses that may be incurred by the consumer, including expenses for a replacement vehicle, temporary vehicle rental expenses, and registration expenses for replacement vehicles. [L 2002, c 237, pt of §1]
HI Rev Stat § 481R-3 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481R. Vehicle Protection Product Warrantors|481R-3 Powers and duties of the commissioner.

 §481R-3 Powers and duties of the commissioner.  (a) The commissioner may adopt rules under chapter 91 as necessary to implement this chapter.  (b) The commissioner may conduct investigations of warrantors or other persons as reasonably necessary to enforce this chapter and to protect consumers in this State. On request of the commissioner, a warrantor shall make the warrantor's records maintained under section 481R-8 regarding vehicle protection products sold by the warrantor available to the department as necessary to enable the department to reasonably determine compliance with this chapter. [L 2002, c 237, pt of §1]
HI Rev Stat § 481R-4 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481R. Vehicle Protection Product Warrantors|481R-4 Registration requirements; exemptions.

 §481R-4 Registration requirements; exemptions. (a) Before conducting business in this State or issuing any warranty, a warrantor shall register with the commissioner, on a form prescribed by the commissioner, and shall pay to the commissioner a fee as provided under section 431:7-101. A person who sells or solicits a vehicle protection product, but who is not a warrantor, shall not be required to register with the commissioner as a warrantor.  (b) Warrantor registration records shall be updated annually and shall contain the following information:  (1) The address of the principal office of the warrantor;  (2) The name and address of the warrantor's agent for the service of process in this State, if other than the warrantor;  (3) The identities of the warrantor's executive officer or officers directly responsible for the warrantor's vehicle protection product business;  (4) The name, address, and telephone number of any administrators designated by the warrantor to be responsible for the administration of vehicle protection product warranties in this State; and  (5) A statement that the warrantor is in compliance with the financial security requirements of section 481R-5 and that details how the warrantor intends to meet the requirements, and proof of compliance with the requirements.  (c) The marketing, selling, offering for sale, issuing, making, proposing to make, and administering of vehicle protection products shall be exempt from:  (1) Chapter 481X; and  (2) The insurance laws of this State.  (d) The following contracts and agreements shall be exempt from this chapter and shall only be subject to other statutes and laws that specifically apply to them:  (1) Warranties or guarantees, other than those provided as part of a vehicle protection product; and  (2) Service contracts regulated by chapter 481X.  (e) A seller shall not be deemed to be a warrantor unless, in addition to acting as a seller, the person is named under the terms of a vehicle protection product warranty as the contractual obligor to the consumer. [L 2002, c 237, pt of §1; am L 2008, c 19, §41; am L 2019, c 16, §1]
HI Rev Stat § 481R-5 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481R. Vehicle Protection Product Warrantors|481R-5 Financial security requirements.

 §481R-5 Financial security requirements. (a) To ensure the adequate performance of a warrantor's obligations to a consumer, each warrantor shall comply with financial security requirements by insuring each vehicle protection product warranty issued by the warrantor under a reimbursement insurance policy issued by an insurer authorized to engage in the business of insurance in this State or under a surplus lines insurance policy issued by an insurer eligible to place coverage in this State as regulated under the insurance laws of this State.  (b) The department may not require any other financial security requirements or financial standards for warrantors. Warrantors shall not be subject to any other financial security requirements under state law. [L 2002, c 237, pt of §1]
HI Rev Stat § 481R-6 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481R. Vehicle Protection Product Warrantors|481R-6 Reimbursement insurance policy.

 §481R-6 Reimbursement insurance policy. (a) In order for a warrantor to comply with section 481R-5(a), the warrantor's insurance policy shall state that:  (1) The insurer that issued the policy shall reimburse or pay on behalf of the warrantor any covered amounts the warrantor is legally obligated to pay or shall provide the service that the warrantor is legally obligated to perform according to the warrantor's obligations under the insured vehicle protection product issued or sold by the warrantor; and  (2) If the covered amounts are not paid or the covered service is not provided by the warrantor to a consumer before the sixty-first day after the date the consumer provides proof of loss, payment shall be made or the service shall be provided directly from the reimbursement insurer to the consumer.  (b) An insurer who issues a reimbursement insurance policy under this chapter may not cancel the policy until the insurer delivers to the warrantor a written notice of cancellation that complies with the requirements adopted for those notices under the insurance laws of this State.  The warrantor shall forward a copy of the cancellation notice to the commissioner not later than the fifteenth business day after the date the notice is delivered to the warrantor.  (c) The cancellation of a reimbursement insurance policy shall not reduce the insurer's responsibility for vehicle protection products issued by the warrantor and insured under the policy before the date of the cancellation.  (d) For purposes of this section, a warrantor shall be considered to be the representative of the insurer who issues the reimbursement insurance policy for purposes of obligating the insurer to consumers in accordance with the vehicle protection product and this chapter. [L 2002, c 237, pt of §1]
HI Rev Stat § 481R-7 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481R. Vehicle Protection Product Warrantors|481R-7 General warrantor operation requirements.

  §481R-7 General warrantor operation requirements. (a) A warrantor may appoint a designee to be responsible for any or all of the administration of vehicle protection products and for compliance with this chapter. The designee shall be liable to the extent the warrantor would be liable for violations of this chapter committed by the designee.  (b) A vehicle protection product may not be issued, sold, or offered for sale in this State unless at the time of purchase the warrantor provides to the consumer:  (1) A copy of the vehicle protection product warranty; or  (2) A receipt for, or other written evidence of, the purchase of the vehicle protection product.  (c) A warrantor who complies with subsection (b)(2), within thirty days after the date of purchase, shall provide to the consumer a copy of the vehicle protection product warranty.  (d) A warrantor shall indemnify a seller who pays or is obligated to pay a consumer any money the warrantor is obligated to pay under the terms of the vehicle protection product warranty, including damages, reasonable attorney's fees, and costs. [L 2002, c 237, pt of §1]
HI Rev Stat § 481R-8 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481R. Vehicle Protection Product Warrantors|481R-8 Warrantor records.

 §481R-8 Warrantor records. (a) Each warrantor shall maintain accurate accounts, books, and other records regarding transactions regulated under this chapter. The warrantor's records shall include:  (1) A copy of the warranty for each unique form of vehicle protection product sold;  (2) The name and address of each consumer;  (3) A list of the locations where the warrantor's vehicle protection products are marketed, sold, or offered for sale; and  (4) Files that contain at least the dates and descriptions of payments to consumers related to the vehicle protection product.  (b) Except as provided by subsection (d), each warrantor shall retain all records required under subsection (a) until at least the first anniversary of the expiration date of the obligations under the vehicle protection product warranty.  (c) The records required to be maintained under this section may be maintained in an electronic medium pursuant to section 489E-12. If a record is maintained in a format other than paper, the warrantor shall reformat the record into a legible paper copy at the request of the department.  (d) A warrantor who discontinues business in this State shall maintain the warrantor's records until ten years after the date of the last sale of a covered motor vehicle protection product. [L 2002, c 237, pt of §1]