reglab/housing_qa huggingface dataset:
AR Code § 23-19-205 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 1 - Public Utilities And Carriers|Chapter 19 - Cable and Video Communications|Subchapter 2 - Arkansas Video Service Act|§ 23-19-205. Use of public rights-of-way by holder of certificate of franchise authority

 (a) A video service provider has the rights, powers, and duties provided for telephone and telegraph companies under §§ 23-17-101 — 23-17-105.  (b) To enable the provision of video service, a political subdivision shall allow the holder of a certificate of franchise authority to install, construct, and maintain facilities in the public rights-of-way over which the political subdivision has jurisdiction.  (c) A political subdivision shall provide the holder of a certificate of franchise authority with open, comparable, nondiscriminatory, and competitively neutral access to the public rights-of-way in its jurisdiction.  (d) This subchapter does not exempt a video service provider from compliance with all lawful political subdivision land use regulations, including without limitation zoning laws, building permit requirements, pole attachment agreements, street cut permits, and other permits required for the use of a political subdivision's right-of-way.  (e)  (1) In order to construct, maintain, or remove facilities necessary to provide video services, a video service provider may peacefully enter upon the right-of-way of a political subdivision.  (2) A video service provider is liable for any damage that may result from exercising a right under subdivision (e)(1) of this section.
AR Code § 23-19-207 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 1 - Public Utilities And Carriers|Chapter 19 - Cable and Video Communications|Subchapter 2 - Arkansas Video Service Act|§ 23-19-207. Prohibited activity — Remedies for noncompliance

 (a) A video service provider shall not deny access to video service to any group of potential residential subscribers based on the income of the residents in the local area in which such a group resides.  (b) A franchising authority or political subdivision shall not impose on a video service provider any build-out or other requirements for the construction, placement, or installation of facilities used to provide video services.  (c)  (1) If a court of competent jurisdiction finds that the holder of a certificate of franchise authority is not in compliance with this subchapter, the court shall order the holder of the certificate of franchise authority to cure the noncompliance within a reasonable time.  (2) If the holder of a certificate of franchise authority fails to cure the noncompliance as ordered by a court under subdivision (c)(1) of this section, the court may remedy the noncompliance.
AR Code § 23-19-208 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 1 - Public Utilities And Carriers|Chapter 19 - Cable and Video Communications|Subchapter 2 - Arkansas Video Service Act|§ 23-19-208. Customer service standards

 (a) A video service provider shall comply with the customer service requirements under 47 C.F.R. § 76.309(c), as it existed on January 1, 2013.  (b)  (1) A video service provider shall maintain a local or toll-free number for customer service contact.  (2)  (A) A video service provider shall implement an informal process for handling political subdivision or customer inquiries, billing issues, service issues, and other complaints.  (B) If an issue is not resolved through the informal process under subdivision (b)(2)(A) of this section, a political subdivision may request a confidential, nonbinding mediation with the video service provider, with the costs of the mediation to be shared equally between the political subdivision and the video service provider.      (c)  (1) A video service provider shall notify customers in writing of a change in rates, programming services, or channel positions as soon as possible.  (2) Written notice shall be given to subscribers at least thirty (30) days in advance of the change if the change is within the control of the video service provider.
AR Code § 23-19-210 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 1 - Public Utilities And Carriers|Chapter 19 - Cable and Video Communications|Subchapter 2 - Arkansas Video Service Act|§ 23-19-210. Applicability of other laws

 (a) The General Assembly intends that this subchapter be consistent with the Cable Communications Policy Act of 1984, 47 U.S.C. § 521 et seq., as it existed on January 1, 2013.  (b) Except as otherwise stated in this subchapter, this subchapter shall not be interpreted to prevent a video service provider, a political subdivision, or a franchising entity from entering into a negotiated franchise agreement with a political subdivision or seeking clarification of its rights and obligations under federal or state law or to exercise a right or authority under federal or state law.  (c) This subchapter does not limit, abrogate, or supersede Title 23, Chapter 17, of this Code regarding telecommunications service in the state, and does not require a telephone corporation to get a certificate of franchise authority or local authorization under this subchapter to permit the telephone corporation to construct, upgrade, operate, or maintain its telecommunications system to provide telecommunications service.  (d) The regulation of a person holding a certificate of franchise authority issued under this subchapter shall be exclusive to the Secretary of State as provided under this subchapter.  (e) A person holding a certificate of franchise, with respect to any political subdivision identified by the video service provider in its application or modifications filed under § 23-19-203, shall not be required to obtain any authorization, permit, franchise, or license from, or pay another fee or franchise tax to, or post bond in any political subdivision of this state to engage in the business or perform any service authorized under this subchapter.
AR Code § 23-32-201 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 2 - Financial Institutions And Securities|Chapter 32 - General Provisions|Subchapter 2 - Powers and Duties of Financial Institutions Generally|§ 23-32-201. Investment in obligations issued pursuant to Farm Credit Act of 1971

 It shall be lawful for all savings and loan associations and insurance companies doing business in the State of Arkansas and for all trustees, guardians of the estates of minors and insane persons, executors, or administrators to invest their funds in notes, bonds, debentures, or other similar obligations issued by the Federal Land Banks, Federal Intermediate Credit Banks, or banks for cooperatives or any other obligations issued pursuant to the provisions of the Farm Credit Act of 1971 and acts amendatory thereto.
AR Code § 23-32-203 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 2 - Financial Institutions And Securities|Chapter 32 - General Provisions|Subchapter 2 - Powers and Duties of Financial Institutions Generally|§ 23-32-203. Loans secured by liens on agricultural lands

 (a) Any person obtaining a loan secured by a lien on real estate in this state which is used primarily for agricultural or livestock purposes shall have the privilege of prepaying the loan in multiples of one hundred dollars ($100) during any one (1) year following the first anniversary date of the loan, on interest-paying dates, provided the prepayment plus required payments does not exceed twenty percent (20%) of the initial principal amount of the loan.  (b) The privilege shall not be cumulative, and the borrower shall have no further prepayment privilege except that the borrower may, at any time, prepay the principal balance of the loan with accrued interest thereon plus prepayment fees in amounts not exceeding the following:  (1) Five percent (5%) of the unpaid principal balance if prepaid during the first year;  (2) Four percent (4%) of the unpaid principal balance if prepaid during the second year;  (3) Three percent (3%) of the unpaid principal balance if prepaid during the third year;  (4) Two percent (2%) of the unpaid principal balance if prepaid during the fourth year;  (5) One percent (1%) of the unpaid principal balance if prepaid during the fifth year; and  (6) No penalty if prepaid more than five (5) years after the date of the note creating the debt.    (c)  (1) This section shall apply only to loans secured by a lien on real estate used primarily for agricultural or livestock purposes.  (2) This section shall not apply to any mortgage, deed of trust, note, or other instrument evidencing indebtedness if the instrument contains a statement in boldface type that this section does not apply and if the lender or agent of the lender points out and explains the provisions to the borrower and the borrower signs a statement on the instrument that the section has been explained and that the borrower agrees.    (d) Any lender or other person applying or attempting to apply more restrictive prepayment requirements, or otherwise violating this section, shall be guilty of a Class A misdemeanor and shall be punished accordingly.  (e) In addition to the criminal penalties provided in subsection (d) of this section, any lender or other person applying or attempting to apply more restrictive prepayment requirements or otherwise violating this section shall forfeit all unmatured interest and principal on the loan and shall be liable for reasonable attorney's fees incurred by the debtor as a result of the lender's violation of this section.  (f) Any payment of interest or principal made by the debtor shall not constitute a waiver of any of the debtor's rights provided by this section or any other law.
AR Code § 23-32-204 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 2 - Financial Institutions And Securities|Chapter 32 - General Provisions|Subchapter 2 - Powers and Duties of Financial Institutions Generally|§ 23-32-204. Sale of certain mortgage loans

 Notwithstanding any other provision of law, any savings and loan association or insurance company organized under the laws of this state which has as one (1) of its principal purposes the making or purchasing of loans secured by real estate mortgages is authorized to:   (1) Sell such mortgage loans to the Federal National Mortgage Association, the Federal Home Loan Mortgage Corporation, the Government National Mortgage Association, or any other corporation chartered by an act of Congress for such purposes, or any successor thereof;  (2) In connection therewith, make payments of any capital contributions required pursuant to law in the nature of subscriptions for stock of the entities described in subdivision (1) of this section;  (3) Receive stock evidencing such capital contributions; and  (4) Hold or dispose of such stock.
AR Code § 23-32-205 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 2 - Financial Institutions And Securities|Chapter 32 - General Provisions|Subchapter 2 - Powers and Duties of Financial Institutions Generally|§ 23-32-205. Loans under Servicemen's Readjustment Act

 (a) In applying to loans made under the Servicemen's Readjustment Act of 1944, any restrictions of any character imposed by the laws of the State of Arkansas upon loans which state-chartered lending institutions may make, purchase, or otherwise acquire, no consideration whatsoever shall be given:  (1) Any loan or loan obligation which is wholly guaranteed or insured by the Secretary of Veterans Affairs, under Title III of the Servicemen’s Readjustment Act of 1944 or for the insurance or guaranty of which the administrator has issued his or her binding commitment; or  (2) If any loan or loan obligation be guaranteed or insured only in part under the Servicemen’s Readjustment Act of 1944:  (A) That portion of the loan or loan obligation so guaranteed or insured by the administrator; and  (B) That portion of the loan or loan obligation that may be guaranteed or insured by the United States or by any department, bureau, or agency thereof, including any corporation which, or the capital stock of which, is owned by the United States Government.      (b) As used in this section, “restrictions of any character” includes:  (1) Restrictions on the aggregate amount of loans which any lending institution may lawfully make to any one (1) borrower; and  (2) Restrictions on the duration of the loan or the time or manner of repayment.    (c) As used in this section, “state-chartered lending institutions” includes building and loan associations, savings and loan associations, insurance companies, and other institutions and organizations authorized to make loans in this state.
AR Code § 23-32-206 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 2 - Financial Institutions And Securities|Chapter 32 - General Provisions|Subchapter 2 - Powers and Duties of Financial Institutions Generally|§ 23-32-206. Casualty insurance — Replacement cost coverage

 (a) A savings and loan association, financial institution, national bank, mortgage company, or any public or private mortgagee doing business in this state, when making a mortgage loan, may not require as a condition or term of the mortgage that the mortgagor purchase casualty insurance on property which is the subject of the mortgage in an amount in excess of the fair market value of the buildings or appurtenances on the mortgaged premises.  (b) This section shall not be construed as limiting the right of the mortgagor to purchase replacement cost coverage on the property which is the subject of the mortgage.
AR Code § 23-32-208 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 2 - Financial Institutions And Securities|Chapter 32 - General Provisions|Subchapter 2 - Powers and Duties of Financial Institutions Generally|§ 23-32-208. Sharing of customer-bank communication terminals

 (a)  (1) An agreement to share a customer-bank communication terminal, as defined by § 23-32-1301(2) [repealed], shall not prohibit, limit, or restrict the right of a financial institution from charging a customer-bank communication terminal usage fee.  (2) The usage fee shall not exceed two dollars ($2.00) or two percent (2%) of the gross amount of the transaction, whichever is less, and may only be imposed if imposition of the fee is disclosed at a time and in a manner that allows a user to terminate or cancel the transaction without incurring the usage fee.    (b)  (1) For purposes of this section, “usage fee” is a fee charged by a customer-bank communication terminal owner on transactions by a holder of a foreign bank card.  (2) For purposes of this section, a “foreign bank card” is a card eligible for use in a customer-bank communication terminal, which card is not issued by the customer-bank communication terminal owner.
AR Code § 23-32-209 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 2 - Financial Institutions And Securities|Chapter 32 - General Provisions|Subchapter 2 - Powers and Duties of Financial Institutions Generally|§ 23-32-209. Misleading actions or use of words by unauthorized persons

 (a)  (1) All persons except those described in subdivision (a)(2) of this section are prohibited from using in this state as a portion of or in connection with their place of business their name or title or in reference to themselves in their stationery or advertising the following words or phrases, alone or in combination with any other word or phrase: “bank”, “banker”, “bankers”, “banking”, “federal reserve”, “trust company”, “trust”, “savings and loan”, “credit union”, “building and loan”, or any other word or phrase that tends to induce the belief that the party using it is authorized to engage in the business of a bank, trust company, savings and loan association, or credit union.  (2) The prohibitions contained in subdivision (a)(1) of this section shall not apply to those persons that discharge the burden of proving their authority to use the words or phrases described in subdivision (a)(1) of this section under the laws of this or another state or of the United States.    (b) All persons except those described in subdivision (a)(2) of this section are prohibited from doing or soliciting business in this state substantially in the manner or so as to induce the belief that the business in whole or in part is that of a bank, savings bank, trust company, credit union, or savings and loan association, either by the sale of contract or of shares of its capital stock upon partial or installment payments thereof, by the receipt of money, savings, dues, or other deposits or by the issuance of certificates of deposit or certificates of investment of money, savings, or dues.  (c) Nothing in this section shall be construed as preventing the use of the word “bankers” in combination with other words in connection with the place of business, name, and title of any finance or investment company operated in connection with, as a subsidiary to, or having joint offices with a bank or trust company in this state if the bank or trust company is subject to the supervision of the Bank Commissioner and if the bank or trust company has the word “bankers” alone or in combination with other words in its name or title.  (d) Each violation of subsection (a) of this section shall constitute a Class A misdemeanor.  (e) It is declared to be public policy that this law be liberally construed in favor of its enforcement.  (f) Nothing in this section shall be construed to authorize any person to engage in any activity not otherwise authorized under Arkansas law.  (g) “Person”, when used in this section, means an individual, corporation, partnership, joint venture, trust, estate, limited liability company, or other unincorporated association or any other legal or commercial entity.
AR Code § 23-32-210 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 2 - Financial Institutions And Securities|Chapter 32 - General Provisions|Subchapter 2 - Powers and Duties of Financial Institutions Generally|§ 23-32-210. Request for stop payment on electronic funds transfer

 (a) Any financial institution doing business in this state shall stop payment of any electronic funds transfer from a customer's account upon receipt, at least three (3) business days prior to the scheduled transfer, of a written stop-payment order from the customer or any person authorized to draw upon the account describing the transfer with reasonable certainty.  (b) If the written stop-payment order purports to stop all future electronic funds transfers to a particular payee, then the financial institution may require the customer to provide written confirmation that the payee has been informed of the revocation of authority within fourteen (14) days of the delivery of the stop-payment order. In the event the customer fails to provide the confirmation, if required by the financial institution, then the stop-payment order shall cease to be effective at the end of the fourteen-day confirmation period.  (c)  (1) For the purposes of this section, “electronic funds transfer” means any transaction in which funds are transferred from a customer's account to a third-party payee primarily for personal, family, or household purposes.  (2) “Electronic funds transfers” may include automated clearing house debits, wire transfers through the Federal Reserve System or any private network, or other paperless, electronic methods of funds transfer, regardless of whether the transaction is initiated by the customer or the payee.
AR Code § 23-32-301 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 2 - Financial Institutions And Securities|Chapter 32 - General Provisions|Subchapter 3 - Surety Bond Exemption Act|§ 23-32-301. Title

 This subchapter may be known as the “Surety Bond Exemption Act”.
AR Code § 23-32-302 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 2 - Financial Institutions And Securities|Chapter 32 - General Provisions|Subchapter 3 - Surety Bond Exemption Act|§ 23-32-302. Purpose

 The purpose of this subchapter is to exempt state and federal savings and loan associations from being required to furnish security in the form of cash, bond, or otherwise, ensuring proper performance of their duties and obligations in the business transactions set forth in § 23-32-304. This purpose is based on the premise that savings and loan associations are so thoroughly governed by state and federal law, rule, and regulation that there is an insignificant risk of such an institution’s being unable to adequately compensate an injured or damaged party.
AR Code § 23-32-303 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 2 - Financial Institutions And Securities|Chapter 32 - General Provisions|Subchapter 3 - Surety Bond Exemption Act|§ 23-32-303. Applicability of other laws

 The law defining savings and loan associations' formation, structure, and operation shall apply to this subchapter except as provided in this subchapter.
AR Code § 23-32-304 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 2 - Financial Institutions And Securities|Chapter 32 - General Provisions|Subchapter 3 - Surety Bond Exemption Act|§ 23-32-304. Construction

 Nothing in this subchapter shall be construed to:   (1) Prevent a state or federal savings and loan association from electing or agreeing to furnish bond at its own cost;  (2) Prevent any other party of interest, desiring protection in a business transaction with a state or federal savings and loan association, from electing to secure and pay for a bond covering the state or federal savings and loan association to the benefit of such a party to the transaction; and  (3) Amend or repeal any law pertaining to:  (A) Corporate surety or indemnity bonds covering directors, officers, or employees of a state or federal savings and loan association;  (B) Foreign corporations, associations, or institutions not authorized to do business in this state;  (C) Actions available against state or federal savings and loan associations for injury or damage; and  (D) Bonding requirements involving fiduciary activities of a guardian, executor, administrator, personal representative, trustee, agent, or other fiduciary under the Probate Code or under any other laws covering fiduciary activities.
AR Code § 23-32-305 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 2 - Financial Institutions And Securities|Chapter 32 - General Provisions|Subchapter 3 - Surety Bond Exemption Act|§ 23-32-305. Exemption from posting bond in certain transactions

 (a) Except when the dollar amount of responsibility assumed exceeds its net capital and surplus, no state or federal savings and loan association, chartered or licensed to do business in this state, shall be required to furnish fidelity, surety, or performance bond, called “bond” in this subchapter, in business transactions involving:  (1) Garnishment;  (2) Replevin;  (3) Foreclosure; and  (4) Forcible entry and detainer.    (b) At the beginning of any proceeding in all such business transactions, the state or federal savings and loan association shall, upon request, furnish to each party to the transaction a copy of its most recent statement of financial condition.
AR Code § 23-32-401 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 2 - Financial Institutions And Securities|Chapter 32 - General Provisions|Subchapter 4 - Foreign Investor Companies|§ 23-32-401. Definition

 As used in this subchapter, unless the context otherwise requires, “investor companies” means all banks, mutual savings associations, mutual savings banks, mutual savings fund societies, trust funds, foundations, pension trusts, or lending agencies, all the capital stock of which is owned by one (1) or more mutual savings banks or mutual savings fund societies.