reglab/housing_qa huggingface dataset:
NV Rev Stat § 604B.210 (2021)
2021 Nevada Revised Statutes|Chapter 604B - Refund Anticipation Loans|NRS 604B.210 - Required disclosures.

  1. If a facilitator of a refund anticipation loan offers a customer an opportunity to apply for a refund anticipation loan, the facilitator shall provide to the customer, before the customer completes the application process, the following disclosures:  (a) The refund anticipation loan fee schedule used by the facilitator; and  (b) A written statement or, if the transaction is conducted using electronic commerce, an electronic statement, in at least 10-point type, containing the following information:  (1) A disclosure that the refund anticipation loan is a loan which creates a legally enforceable debt and that the loan is not the customer’s actual tax refund;  (2) A disclosure that the customer may file a tax return electronically without applying for the refund anticipation loan;  (3) A disclosure of the average times, according to the Internal Revenue Service, within which a person who does not obtain a refund anticipation loan can expect to receive a tax refund if the person:  (I) Files a tax return electronically and the person’s tax refund is directly deposited to the person’s account or mailed to the person; or  (II) Mails a tax return to the Internal Revenue Service and the person’s tax refund is directly deposited to the person’s account or mailed to the person;  (4) A disclosure that the Internal Revenue Service does not guarantee that a person will be paid the full amount of an anticipated tax refund and does not guarantee that an anticipated tax refund will be deposited into a person’s account or mailed to a person on a specific date;  (5) A disclosure that the customer is responsible for repayment of the refund anticipation loan and related fees and charges if the anticipated tax refund is not paid or paid in full;  (6) A disclosure of the estimated time within which the proceeds of the refund anticipation loan will be paid to the customer if the loan is approved; and  (7) A disclosure of the fee or charge that will be imposed, if any, if the refund anticipation loan is not approved.  2. In addition to the disclosures required pursuant to subsection 1, the facilitator shall provide to the customer, before the loan transaction is completed, the following additional disclosures:  (a) The estimated total fees and charges for obtaining the refund anticipation loan; and  (b) The estimated annual percentage rate for the refund anticipation loan calculated under the guidelines established by the Truth in Lending Act and Regulation Z.  (Added to NRS by 2005, 1644)
NV Rev Stat § 604B.220 (2021)
2021 Nevada Revised Statutes|Chapter 604B - Refund Anticipation Loans|NRS 604B.220 - Prohibited practices by facilitator.

A facilitator of a refund anticipation loan shall not:  1. Misrepresent a material factor or condition of a refund anticipation loan;  2. Fail to process the application for a refund anticipation loan promptly after the customer applies for the loan;  3. Engage in any dishonest, fraudulent, unfair, unconscionable or unethical practice or conduct in connection with a refund anticipation loan;  4. Arrange for a lender to take a security interest in any property of the customer, other than the proceeds of the customer’s tax refund and the account into which that tax refund is deposited, to secure payment of the loan; or  5. Offer a refund anticipation loan to a customer in an amount that, when added to the refund anticipation loan fees and any other fees or charges related to the loan or the preparation of the tax return, exceeds the amount of the customer’s anticipated tax refund.  (Added to NRS by 2005, 1645)
NV Rev Stat § 604B.900 (2021)
2021 Nevada Revised Statutes|Chapter 604B - Refund Anticipation Loans|NRS 604B.900 - Penalty.

Any person who knowingly and willfully violates any provision of this chapter is guilty of a misdemeanor and shall be punished by a fine of not more than $500 for each violation.  (Added to NRS by 2005, 1645)
NV Rev Stat § 604B.910 (2021)
2021 Nevada Revised Statutes|Chapter 604B - Refund Anticipation Loans|NRS 604B.910 - Remedies, penalties, duties and prohibitions in chapter not exclusive; violation constitutes deceptive trade practice.

  1. The remedies, penalties, duties and prohibitions set forth in this chapter are not exclusive and are in addition to any other remedies, penalties, duties and prohibitions provided by law.  2. Any violation of this chapter constitutes a deceptive trade practice for the purposes of the civil and administrative remedies and penalties set forth in NRS 598.0903 to 598.0999, inclusive.  (Added to NRS by 2005, 1645)
NV Rev Stat § 604C.010 (2021)
2021 Nevada Revised Statutes|Chapter 604C - Consumer Litigation Funding|NRS 604C.010 - Definitions.

As used in this chapter, unless the context otherwise requires, the words and terms defined in NRS 604C.020 to 604C.170, inclusive, have the meanings ascribed to them in those sections.  (Added to NRS by 2019, 2400)
NV Rev Stat § 604C.020 (2021)
2021 Nevada Revised Statutes|Chapter 604C - Consumer Litigation Funding|NRS 604C.020 - "Advertise" defined.

Advertise means the commercial use of any medium, including, without limitation, radio, television, the Internet or a similar medium of communication, by a consumer litigation funding company for the purpose of inducing a consumer to enter into a consumer litigation funding transaction.  (Added to NRS by 2019, 2400)
NV Rev Stat § 604C.030 (2021)
2021 Nevada Revised Statutes|Chapter 604C - Consumer Litigation Funding|NRS 604C.030 - "Applicant" defined.

Applicant means a person who applies to the Commissioner to obtain a license to engage in the business of a consumer litigation funding company pursuant to the provisions of this chapter. The term does not include a parent company or affiliate of such a person.  (Added to NRS by 2019, 2400)
NV Rev Stat § 604C.040 (2021)
2021 Nevada Revised Statutes|Chapter 604C - Consumer Litigation Funding|NRS 604C.040 - "Charges" defined.

Charges means the amount of money to be paid to a consumer litigation funding company by a consumer above the funded amount provided by the consumer litigation company to the consumer. The term includes, without limitation, administrative fees, origination fees, underwriting fees or other fees, however denominated. The term does not include a document preparation fee.  (Added to NRS by 2019, 2400)
NV Rev Stat § 604C.050 (2021)
2021 Nevada Revised Statutes|Chapter 604C - Consumer Litigation Funding|NRS 604C.050 - "Commissioner" defined.

Commissioner means the Commissioner of Financial Institutions.   (Added to NRS by 2019, 2400)
NV Rev Stat § 604C.060 (2021)
2021 Nevada Revised Statutes|Chapter 604C - Consumer Litigation Funding|NRS 604C.060 - "Consumer" defined.

Consumer means a natural person who:  1. Resides or is domiciled in this State; and  2. Has a pending legal claim.  (Added to NRS by 2019, 2400)
NV Rev Stat § 604C.070 (2021)
2021 Nevada Revised Statutes|Chapter 604C - Consumer Litigation Funding|NRS 604C.070 - "Consumer litigation funding" defined.

Consumer litigation funding means the money provided directly or indirectly to a consumer by a consumer litigation funding company in a consumer litigation funding transaction.  (Added to NRS by 2019, 2400)
NV Rev Stat § 604C.080 (2021)
2021 Nevada Revised Statutes|Chapter 604C - Consumer Litigation Funding|NRS 604C.080 - "Consumer litigation funding company" or "company" defined.

  1. "Consumer litigation funding company" or "company" means a person that enters into a consumer litigation funding transaction with a consumer.   2. The term does not include:  (a) An immediate family member of a consumer;  (b) An attorney or accountant who provides services to a consumer;   (c) A medical provider that provides medical services on the basis of a lien against any potential litigation recovery;  (d) A medical factoring company; or  (e) A financial institution or similar entity:  (1) That provides financing to a consumer litigation funding company; or  (2) To which a consumer litigation funding company grants a security interest or transfers any right or interest in a consumer litigation funding transaction.  (Added to NRS by 2019, 2400)
NV Rev Stat § 604C.090 (2021)
2021 Nevada Revised Statutes|Chapter 604C - Consumer Litigation Funding|NRS 604C.090 - "Consumer litigation funding contract" defined.

Consumer litigation funding contract means a written agreement between a consumer and a consumer litigation funding company that provides for a consumer litigation funding transaction.  (Added to NRS by 2019, 2401)
NV Rev Stat § 604C.100 (2021)
2021 Nevada Revised Statutes|Chapter 604C - Consumer Litigation Funding|NRS 604C.100 - "Consumer litigation funding transaction" defined.

Consumer litigation funding transaction means a nonrecourse transaction in which:  1. A consumer litigation funding company provides consumer litigation funding to a consumer in an amount that does not exceed $500,000; and   2. The consumer assigns to the company a contingent right to receive an amount of the potential proceeds of a settlement, judgment, award or verdict obtained in the legal claim of the consumer.  (Added to NRS by 2019, 2401)
NV Rev Stat § 604C.110 (2021)
2021 Nevada Revised Statutes|Chapter 604C - Consumer Litigation Funding|NRS 604C.110 - "Document preparation fee" defined.

Document preparation fee means a one-time fee per legal claim, not to exceed $500, assessed for document preparation services related to the preparation of a consumer litigation funding contract.  (Added to NRS by 2019, 2401)
NV Rev Stat § 604C.120 (2021)
2021 Nevada Revised Statutes|Chapter 604C - Consumer Litigation Funding|NRS 604C.120 - "Funded amount" defined.

Funded amount means the amount of consumer litigation funding provided to or on behalf of a consumer in a consumer litigation funding transaction. The term does not include charges.  (Added to NRS by 2019, 2401)
NV Rev Stat § 604C.130 (2021)
2021 Nevada Revised Statutes|Chapter 604C - Consumer Litigation Funding|NRS 604C.130 - "Funding date" defined.

Funding date means the date on which a company transfers to a consumer the funded amount of consumer litigation funding.  (Added to NRS by 2019, 2401)
NV Rev Stat § 604C.140 (2021)
2021 Nevada Revised Statutes|Chapter 604C - Consumer Litigation Funding|NRS 604C.140 - "Immediate family member" defined.

Immediate family member means a parent, sibling, child by blood, adoption or marriage, spouse, grandparent or grandchild.  (Added to NRS by 2019, 2401)
NV Rev Stat § 604C.150 (2021)
2021 Nevada Revised Statutes|Chapter 604C - Consumer Litigation Funding|NRS 604C.150 - "Legal claim" defined.

Legal claim means a bona fide civil claim or cause of action.  (Added to NRS by 2019, 2401)
NV Rev Stat § 604C.160 (2021)
2021 Nevada Revised Statutes|Chapter 604C - Consumer Litigation Funding|NRS 604C.160 - "Licensee" defined.

Licensee means a person who has been issued one or more licenses to engage in the business of a consumer litigation funding company.  (Added to NRS by 2019, 2401)
NV Rev Stat § 604C.170 (2021)
2021 Nevada Revised Statutes|Chapter 604C - Consumer Litigation Funding|NRS 604C.170 - "Resolution date" defined.

Resolution date means the date upon which:   1. A consumer, or a person on behalf of a consumer, delivers to a consumer litigation company an amount of money equivalent to the funded amount plus any agreed upon charges; or  2. The legal claim of a consumer is lost or abandoned.  (Added to NRS by 2019, 2401)
NV Rev Stat § 604C.200 (2021)
2021 Nevada Revised Statutes|Chapter 604C - Consumer Litigation Funding|NRS 604C.200 - Regulations.

The Commissioner may adopt regulations for the administration and enforcement of this chapter, in addition to and not inconsistent with this chapter.  (Added to NRS by 2019, 2401)
NV Rev Stat § 604C.220 (2021)
2021 Nevada Revised Statutes|Chapter 604C - Consumer Litigation Funding|NRS 604C.220 - Assignment of legal claim; applicability.

  1. The contingent right to receive an amount of the potential proceeds of a legal claim is assignable by a consumer.   2. Nothing in this chapter shall be construed to cause any consumer litigation funding transaction conforming to this chapter to be deemed a loan or to be subject to any of the provisions of law governing loans. A consumer litigation funding transaction that complies with this chapter is not subject to any other statutory or regulatory provisions governing loans or investment contracts. If there is a conflict between the provisions of this chapter and any other statute, the provisions of this chapter control.  3. Only a lien imposed by an attorney pursuant to NRS 18.015 that is related to the legal claim of the consumer or a lien imposed by Medicare that is related to the legal claim of a consumer takes priority over any lien imposed by a consumer litigation funding company. All other liens take priority by normal operation of law.  (Added to NRS by 2019, 2406)
NV Rev Stat § 604C.240 (2021)
2021 Nevada Revised Statutes|Chapter 604C - Consumer Litigation Funding|NRS 604C.240 - Applicability of attorney-client relationship.

Any communication between the attorney of a consumer in a legal claim and a consumer litigation funding company as it pertains to a consumer litigation funding transaction is subject to the attorney-client privilege, including, without limitation, the work-product doctrine.   (Added to NRS by 2019, 2406)
NV Rev Stat § 604C.300 (2021)
2021 Nevada Revised Statutes|Chapter 604C - Consumer Litigation Funding|NRS 604C.300 - Certain acts related to the operation of a consumer funding company prohibited.

  1. A consumer litigation funding company shall not:  (a) Pay or offer to pay a commission, referral fee or other form of consideration to an attorney, law firm, medical provider, chiropractor or physical therapist, or any employee of such a person, for referring a consumer to the company.   (b) Accept a commission, referral fee or other form of consideration from an attorney, law firm, medical provider, chiropractor or physical therapist, or any employee of such a person.  (c) Intentionally advertise materially false or misleading information regarding the products or services of the consumer litigation funding company.   (d) Refer a consumer to engage a specific attorney, law firm, medical provider, chiropractor or physical therapist, or any employee of such a person. A company may refer a consumer in search of legal representation to a lawyer referral service operated, sponsored or approved by the State Bar of Nevada or a local bar association.   (e) Except as otherwise provided in subsection 2, knowingly provide consumer litigation funding to a consumer who has previously assigned or sold a portion of the right of the consumer to proceeds from his or her legal claim to another company without first making payment to or purchasing the entire funded amount and charges of that company, unless a lesser amount is otherwise agreed to in writing by the consumer litigation funding companies.   (f) Receive any right to, or make, any decisions with respect to the conduct, settlement or resolution of the legal claim of a consumer.   (g) Knowingly pay or offer to pay for court costs, filing fees or attorney’s fees during or after the resolution of the legal claim of a consumer using money from a consumer litigation funding transaction.   2. Two or more consumer litigation funding companies may agree to contemporaneously provide consumer litigation funding to a consumer if the consumer and the attorney of the consumer agree to the arrangement in writing.   3. An attorney or law firm retained by the consumer in connection with his or her legal claim shall not have a financial interest in the consumer litigation funding company offering consumer litigation funding to that consumer.   4. An attorney who has referred the consumer to his or her retained attorney or law firm shall not have a financial interest in the consumer litigation funding company offering consumer litigation funding to that consumer.   5. A consumer litigation funding company shall not use any form of consumer litigation funding contract in this State unless the contract has been filed with the Commissioner in accordance with procedures for filing prescribed by the Commissioner.  (Added to NRS by 2019, 2405)
NV Rev Stat § 604C.310 (2021)
2021 Nevada Revised Statutes|Chapter 604C - Consumer Litigation Funding|NRS 604C.310 - Limitations on amount to be paid to consumer litigation funding company under consumer litigation funding contract.

  1. A consumer litigation funding company shall require the amount to be paid to the company under a consumer litigation funding contract to be set as a predetermined amount based upon intervals of time from the funding date though the resolution date. The amount must not exceed the funded amount plus charges not to exceed a rate of 40 percent annually.   2. The amount to be paid to a company under a consumer litigation funding contract must not be determined as a percentage of the recovery of the legal claim of a consumer.  (Added to NRS by 2019, 2405)
NV Rev Stat § 604C.320 (2021)
2021 Nevada Revised Statutes|Chapter 604C - Consumer Litigation Funding|NRS 604C.320 - License required.

  1. A person shall not engage in the business of a consumer litigation funding company in this State without having first obtained a license from the Commissioner pursuant to this chapter.   2. For the purpose of this section, a person is "engaged in the business of a consumer litigation funding company" if the person:  (a) Solicits or engages in consumer litigation funding transactions in this State; or  (b) Is located in this State and solicits or engages in consumer litigation funding transactions outside of this State.  3. Any person and the several members, officers, directors, agents and employees thereof who violate or participate in the violation of this section are guilty of a misdemeanor.  (Added to NRS by 2019, 2406)
NV Rev Stat § 604C.330 (2021)
2021 Nevada Revised Statutes|Chapter 604C - Consumer Litigation Funding|NRS 604C.330 - Licensee must conduct business in accordance with license.

A licensee shall not conduct the business of a consumer litigation funding company under any name or at a place other than stated in the license. Nothing in this section shall be construed to prohibit:  1. Consumer litigation funding transactions by mail; or  2. Accommodations for a consumer when necessitated by hours of employment, sickness or other emergency situations.  (Added to NRS by 2019, 2412)
NV Rev Stat § 604C.340 (2021)
2021 Nevada Revised Statutes|Chapter 604C - Consumer Litigation Funding|NRS 604C.340 - Application to persons seeking to evade certain provisions.

The provisions of NRS 604C.320 shall apply to any person who seeks to evade its application by any device, subterfuge or pretense whatever, including, but not thereby limiting the generality of the foregoing:  1. The loan, forbearance, use or sale of credit (as guarantor, surety, endorser, comaker or otherwise), money, goods, or things in action.  2. The use of collateral or related sales or purchases of goods or services, or agreements to sell or purchase, whether real or pretended.  3. Receiving or charging compensation for goods or services, whether or not sold, delivered or provided.  4. The real or pretended negotiation, arrangement or procurement of a loan through any use or activity of a third person, whether real or fictitious.  (Added to NRS by 2019, 2406)
NV Rev Stat § 604C.370 (2021)
2021 Nevada Revised Statutes|Chapter 604C - Consumer Litigation Funding|NRS 604C.370 - Additional required disclosures.

  1. A consumer litigation funding contract must include a written disclosure, signed by the consumer that is typed in at least a 12-point font.   2. The disclosure described in subsection 1 must be separate from the consumer litigation funding contract described in NRS 604C.360.  3. The disclosure described in subsection 1 must include, without limitation:  (a) A summary of all applicable charges and fees;  (b) The full cost of the consumer litigation funding transaction, written in bold font;  (c) The full amount of the consumer litigation funding;  (d) A statement that the attorney retained by the consumer in the legal claim of the consumer is being retained on a contingency basis pursuant to a written fee agreement;  (e) A statement that the consumer is fully informed and aware that all proceeds of the legal claim of the consumer will be disbursed via the trust account of the retained attorney or a settlement fund established to receive the proceeds of the legal claim on behalf of the consumer;   (f) A statement that the retained attorney has not received and will not receive a referral fee or other consideration from the consumer litigation funding company in connection with the consumer litigation funding transaction; and  (g) An acknowledgment, signed by the consumer, that the consumer was fully informed and aware of the charges and fees and the full cost of the consumer litigation funding transaction at the time of the execution of the consumer litigation funding contract.  (Added to NRS by 2019, 2404)
NV Rev Stat § 604C.380 (2021)
2021 Nevada Revised Statutes|Chapter 604C - Consumer Litigation Funding|NRS 604C.380 - Notice of cancellation of consumer litigation funding contract.

If a consumer cancels a consumer litigation funding contract pursuant to NRS 604C.350, the consumer litigation funding company shall promptly forward notice of the cancellation to the attorney or law firm retained by the consumer in the legal claim of the consumer.  (Added to NRS by 2019, 2404)
NV Rev Stat § 604C.390 (2021)
2021 Nevada Revised Statutes|Chapter 604C - Consumer Litigation Funding|NRS 604C.390 - Required assets.

Every licensee shall maintain assets of at least $50,000 either used or readily available for use in the conduct of the business of each licensed office.  (Added to NRS by 2019, 2411)
NV Rev Stat § 604C.400 (2021)
2021 Nevada Revised Statutes|Chapter 604C - Consumer Litigation Funding|NRS 604C.400 - Registered agent.

A licensee who has an office or other place of business located outside of this State shall file with the Commissioner the information required pursuant to NRS 77.310 and continuously maintain a registered agent for service of legal process. Such agent must be an attorney who is licensed to practice law in this State and who has an office located in this State.  (Added to NRS by 2019, 2411)