reglab/housing_qa huggingface dataset:
V.I. Code tit. 9, § 152 (2019)
2019 US Virgin Islands Code|Title 9 - Banking|Chapter 13 - Receivership and Liquidation|§ 152. Cancellation of license and liquidation of bank or foreign bank; liability of directors

 If the directors of any bank or foreign bank knowingly violate or knowingly permit any of the officers, agents or employees of the bank or foreign bank doing business in the United States Virgin Islands to violate any of the provisions of sections 5, 38, 39, and 101 of this title, the license of the bank shall be cancelled by the Lieutenant Governor if the Banking Board orders such cancellation, and the Board may declare such bank in liquidation. Such violation, however, shall be determined and adjudged by the District Court in a suit brought for that purpose by the Attorney General of the United States Virgin Islands at the instance and in the name of the Banking Board before the license may be cancelled and the association may be declared dissolved. In the event of such violation, every director who participated in or assented to the same shall be held liable in his personal and individual capacity for all damages which the bank, its shareholders or any other person shall have sustained in consequence of such violation.
V.I. Code tit. 9, § 251 (2019)
2019 US Virgin Islands Code|Title 9 - Banking|Chapter 17 - Disclosure of Finance Charges|§ 251. Definitions

 Whenever used in this chapter the following words shall have the meaning set opposite them below: “consumer goods” means goods bought for use primarily for personal, family, or household purposes, as distinguished from goods bought for commercial, industrial, or business use, and does not include motor vehicles, accessories, equipment, parts, or repairs. “credit” means any loan, residential mortgage, deed of trust, advance, or discount; any conditional sales contract; any contract to sell, or sale, or contract of sale of property or services, either for present or future delivery, under which part or all of the price is payable subsequent to the making of such sale or contract; any rental-purchase contract; any contract or arrangement for the hire, bailment, or leasing of property; any option, demand, lien, pledge, or other claim against, or for the delivery of, property or money; any purchase, discount, or other acquisition of, or any credit upon the security of, any obligation or claim arising out of any of the foregoing; and any transaction or series of transactions having a similar purpose or effect. “finance charges” includes charges such as interest, fees, service charges, discounts, and other charges associated with the extension of credit. “person” means any individual, partnership, association, corporation, or unincorporated organization.
V.I. Code tit. 9, § 252 (2019)
2019 US Virgin Islands Code|Title 9 - Banking|Chapter 17 - Disclosure of Finance Charges|§ 252. Statement required

 Any person engaged in the business of extending credit shall furnish to each person to whom such credit is extended, concurrently with the consummation of the transaction or agreement to extend credit, a clear statement in writing setting forth the finance charges, expressed in dollars, rate of interest, or monthly rate of charge, or a combination thereof, to be borne by such person in connection with such extension of credit as originally scheduled.
V.I. Code tit. 9, § 253 (2019)
2019 US Virgin Islands Code|Title 9 - Banking|Chapter 17 - Disclosure of Finance Charges|§ 253. Additional purchases

 Where a buyer makes any subsequent purchases of consumer goods from a seller from whom he has previously purchased goods or services under one or more conditional sales contracts, and the amounts under the contract or contracts have not been fully paid, the subsequent purchases may be included in and consolidated with one or more of the prior contract or contracts. A memorandum of the additional purchases shall be prepared by the seller, inserted in or attached to the seller's counterpart of the contract and shall set forth: (1) a description of the additional goods or services so purchased; (2) the consolidated total indebtedness of the buyer; (3) the finance charge stating either as the additional amount on the subsequent purchase or as the total amount on the consolidated contract; (4) the revised installment payments. A copy of the memorandum shall be furnished to the buyer.
V.I. Code tit. 9, § 254 (2019)
2019 US Virgin Islands Code|Title 9 - Banking|Chapter 17 - Disclosure of Finance Charges|§ 254. Repossession procedure

 Prior to or after any action by the seller or his agents to repossess consumer goods under the terms of any such conditional sales contract or contracts involving both previous and subsequent purchases which have not been fully paid, the seller must retroactively allocate all payments received under the contract or contracts to the various purchases in the same proportion or ratio as the original cash prices of the various purchases bear to one another. However, the amount of initial or down payment involved in each purchase shall be allocated in its entirety to such purchase. The results of such allocation shall be reported to the buyer who has the right to complete payment on any of the purchases consolidated in the conditional sales contract within fifteen days from receipt of the allocation report from the seller. Any purchases upon which the payments have been so completed are exempt from repossession by the seller. Provisions of this section do not apply to sales involving equipment, parts, or other merchandise attached or affixed to goods previously purchased or repairs or services rendered by the seller in connection therewith at the buyer's request.
V.I. Code tit. 9, § 255 (2019)
2019 US Virgin Islands Code|Title 9 - Banking|Chapter 17 - Disclosure of Finance Charges|§ 255. Liens upon real estate

 Conditional sales contracts do not include any instrument creating or involving liens against real estate or any interest in real estate.
V.I. Code tit. 9, § 256 (2019)
2019 US Virgin Islands Code|Title 9 - Banking|Chapter 17 - Disclosure of Finance Charges|§ 256. Prohibition

 No person shall extend credit in contravention of this chapter.
V.I. Code tit. 9, § 257 (2019)
2019 US Virgin Islands Code|Title 9 - Banking|Chapter 17 - Disclosure of Finance Charges|§ 257. Posting of charges

 (a) Any person engaged in the business of extending credit shall post in a conspicuous public place a list of all fees and charges for credit and other financial transactions, including but not limited to application processing fees, interest on first priority mortgage loans, loans for consumer goods, automobile loans, and, if appropriate to the person's business, savings and checking account fees, interest on checking and savings accounts and certificates of deposit, and fees for money orders, savings and checking accounts. (b) At least once each year, all banks shall mail to all customers any changes in their respective fees, interest or service charges, and shall make such information available upon request by any person.
V.I. Code tit. 9, § 258 (2019)
2019 US Virgin Islands Code|Title 9 - Banking|Chapter 17 - Disclosure of Finance Charges|§ 258. Penalty

 Any person who wilfully violates any provision of this chapter shall be fined not more than $500 or imprisoned not more than sixty days, or both.
V.I. Code tit. 9, § 262 (2019)
2019 US Virgin Islands Code|Title 9 - Banking|Chapter 17A - Credit Unions|§ 262. Definition

 As used in this chapter “credit union” means a cooperative, non-profit association organized in accordance with the Federal Credit Union Act of 1934, as amended.
V.I. Code tit. 9, § 263 (2019)
2019 US Virgin Islands Code|Title 9 - Banking|Chapter 17A - Credit Unions|§ 263. Federal charter required

 All credit unions doing business in the Virgin Islands must be federally-chartered and regulated by the National Credit Union Administration. The shares of members of credit unions must be insured by the National Credit Union Shares Insurance Fund.
V.I. Code tit. 9, § 701 (2019)
2019 US Virgin Islands Code|Title 9 - Banking|Chapter 24 - Uniform Prudent Investors Act|§ 701. Short title

 This chapter may be cited as the “Uniform Prudent Investors Act.”
V.I. Code tit. 9, § 702 (2019)
2019 US Virgin Islands Code|Title 9 - Banking|Chapter 24 - Uniform Prudent Investors Act|§ 702. Prudent investor rule

 (a) Except as otherwise provided in subsection (b), a trustee who invests and manages trust assets owes a duty to the beneficiaries of the trust to comply with the prudent investor rule set forth in this chapter. (b) The prudent investor rule, a default rule, may be expanded, restricted, eliminated, or otherwise altered by the provisions of a trust. A trustee is not liable to a beneficiary to the extent that the trustee acted in reasonable reliance on the provisions of the trust.
V.I. Code tit. 9, § 703 (2019)
2019 US Virgin Islands Code|Title 9 - Banking|Chapter 24 - Uniform Prudent Investors Act|§ 703. Standard of care; portfolio strategy; risk and return objectives

 (a) A trustee shall invest and manage trust assets as a prudent investor would, by considering the purposes, terms, distribution requirements, and other circumstances of the trust. In satisfying this standard, the trustee shall exercise reasonable care, skill, and caution. (b) A trustee's investment and management decisions respecting individual assets must be evaluated not in isolation but in the context of the trust portfolio as a whole and as a part of an overall investment strategy having risk and return objectives reasonably suited to the trust. (c) Among circumstances that a trustee shall consider in investing and managing trust assets are such of the following as are relevant to the trust or its beneficiaries: (1) general economic conditions; (2) the possible effect of inflation or deflation; (3) the expected tax consequences of investment decisions or strategies; (4) the role that each investment or course of action plays within the overall trust portfolio, which may include financial assets, interests in closely held enterprises, tangible and intangible personal property, and real property; (5) the expected total return from income and the appreciation of capital; (6) other resources of the beneficiaries; (7) needs for liquidity, regularity of income, and preservation or appreciation of capital; and (8) an asset's special relationship or special value, if any, to the purposes of the trust or to one or more of the beneficiaries. (d) A trustee shall make a reasonable effort to verify facts relevant to the investment and management of trust assets. (e) A trustee may invest in any kind of property or type of investment consistent with the standards of this chapter. (f) A trustee who has special skills or expertise, or is named trustee in reliance upon the trustee's representation that the trustee has special skills or expertise, has a duty to use those special skills or expertise.
V.I. Code tit. 9, § 704 (2019)
2019 US Virgin Islands Code|Title 9 - Banking|Chapter 24 - Uniform Prudent Investors Act|§ 704. Diversification

 A trustee shall diversify the investments of the trust unless the trustee reasonably determines that, because of special circumstances, the purposes of the trust are better served without diversifying.
V.I. Code tit. 9, § 705 (2019)
2019 US Virgin Islands Code|Title 9 - Banking|Chapter 24 - Uniform Prudent Investors Act|§ 705. Duties at inception of trusteeship

 Within a reasonable time after accepting a trusteeship or receiving trust assets, a trustee shall review the trust assets and make and implement decisions concerning the retention and disposition of assets, in order to bring the trust portfolio into compliance with the purposes, terms, distribution requirements, and other circumstances of the trust, and with the requirements of this chapter.
V.I. Code tit. 9, § 706 (2019)
2019 US Virgin Islands Code|Title 9 - Banking|Chapter 24 - Uniform Prudent Investors Act|§ 706. Loyalty

 A trustee shall invest and manage the trust assets solely in the interest of the beneficiaries.
V.I. Code tit. 9, § 707 (2019)
2019 US Virgin Islands Code|Title 9 - Banking|Chapter 24 - Uniform Prudent Investors Act|§ 707. Impartiality

 If a trust has two or more beneficiaries, the trustee shall act impartially in investing and managing the trust assets, taking into account any differing interests of the beneficiaries.
V.I. Code tit. 9, § 708 (2019)
2019 US Virgin Islands Code|Title 9 - Banking|Chapter 24 - Uniform Prudent Investors Act|§ 708. Investment costs

 In investing and managing trust assets, a trustee may only incur costs that are appropriate and reasonable in relation to the assets, the purposes of the trust, and the skills of the trustee.
V.I. Code tit. 9, § 709 (2019)
2019 US Virgin Islands Code|Title 9 - Banking|Chapter 24 - Uniform Prudent Investors Act|§ 709. Reviewing compliance

 Compliance with the prudent investor rule is determined in light of the facts and circumstances existing at the time of a trustee's decision or action and not by hindsight.
V.I. Code tit. 9, § 710 (2019)
2019 US Virgin Islands Code|Title 9 - Banking|Chapter 24 - Uniform Prudent Investors Act|§ 710. Delegation of investment and management functions

 (a) A trustee may delegate investment and management functions that a prudent trustee of comparable skills could properly delegate under the circumstances. The trustee shall exercise reasonable care, skill, and caution in: (1) selecting an agent; (2) establishing the scope and terms of the delegation, consistent with the purposes and terms of the trust; and (3) periodically reviewing the agent's actions in order to monitor the agent's performance and compliance with the terms of the delegation. (b) In performing a delegated function, an agent owes a duty to the trust to exercise reasonable care to comply with the terms of the delegation. (c) A trustee who complies with the requirements of subsection (a) is not liable to the beneficiaries or to the trust for the decisions or actions of the agent to whom the function was delegated. (d) By accepting the delegation of a trust function from the trustee of a trust that is subject to the law of the Virgin Islands, an agent submits to the jurisdiction of the courts of the Virgin Islands.
V.I. Code tit. 9, § 711 (2019)
2019 US Virgin Islands Code|Title 9 - Banking|Chapter 24 - Uniform Prudent Investors Act|§ 711. Language invoking standard of chapter

 The following terms or comparable language in the provisions of a trust, unless otherwise limited or modified, authorizes any investment or strategy permitted under this [Act]: “investments permissible by law for investment of trust funds,” “legal investments,” “authorized investments,” “using the judgment and care under the circumstances then prevailing that persons of prudence, discretion, and intelligence exercise in the management of their own affairs, not in regard to speculation but in regard to the permanent disposition of their funds, considering the probable income as well as the probable safety of their capital,” “prudent man rule,” “prudent trustee rule,” “prudent person rule,” and “prudent investor rule.”
V.I. Code tit. 9, § 712 (2019)
2019 US Virgin Islands Code|Title 9 - Banking|Chapter 24 - Uniform Prudent Investors Act|§ 712. Application to existing trusts

 This chapter applies to trusts existing on and created after its effective date. As applied to trusts existing on its effective date, this chapter governs only decisions or actions occurring after that date.
V.I. Code tit. 9, § 713 (2019)
2019 US Virgin Islands Code|Title 9 - Banking|Chapter 24 - Uniform Prudent Investors Act|§ 713. Uniformity of application and construction

 This chapter shall be applied and construed to effectuate its general purpose to make uniform the law with respect to the subject of this chapter among the States enacting it.
V.I. Code tit. 9, § 714 (2019)
2019 US Virgin Islands Code|Title 9 - Banking|Chapter 24 - Uniform Prudent Investors Act|§ 714. Severability

 If any provision of this chapter or its application to any person or circumstance is held invalid, the invalidity does not affect other provisions or applications of this chapter which can be given effect without the invalid provision or application, and to this end the provisions of this chapter are severable.
V.I. Code tit. 10, § 1 (2019)
2019 US Virgin Islands Code|Title 10 - Civil Rights|Chapter 1 - Equal Rights of All Persons Against Discrimination|§ 1. Statement of public policy

 Whereas this title is enacted under the police power of the Territory of the United States Virgin Islands, for the protection of the public welfare, order, health, safety, and peace of all of the people therein; and Whereas the Legislature finds and hereby declares that practices of racial discrimination against any of the inhabitants of the United States Virgin Islands because of race, creed, color, or national origin not only threatens the rights and proper privileges of its inhabitants but menaces and threatens the foundations of a free and democratic territory and menaces and threatens the peace, order, health, safety, and general welfare of its inhabitants; and Whereas it is the cultural and democratic heritage of the people of the United States Virgin Islands to respect the human and civil rights of all people and to judge all persons according to their individual merit without reference to race, creed, color, or national origin; and to cherish the racial equality, harmony, and good will that exists in the United States Virgin Islands; and Whereas racial discrimination, segregation, and other forms of bias and bigotry are not part of the way of life of the people of the United States Virgin Islands: Now, therefore, it is declared to be the public policy of the United States Virgin Islands that all natural persons within its jurisdiction shall be entitled to the full and equal accommodations, advantages, facilities, and privileges of any place of public accommodations, resort, or amusement, and to the equal opportunity and treatment in employment in any and all businesses and industrial establishments, and to membership in all labor organizations, and to equal privileges in the purchase, lease, or rental of real estate, and in the purchase of any commodity or service offered for sale; subject only to conditions or limitations imposed by law and applicable in like manner to all persons. In order to implement this public policy, it is the intent of this chapter to prevent and prohibit discrimination in any form based upon race, creed, color, or national origin, whether practiced directly or indirectly, or by subterfuge in any and all places of public accommodations, resort, or amusement, and in all sales of real estate, goods, articles, accommodations, commodities, or services, and in the employment of persons, or their working conditions, or obtaining union membership, and to prohibit clubs from establishing a private clientele of either members or guests, which they have selected, and with which persons alone will they transact their business and commerce.
V.I. Code tit. 10, § 2 (2019)
2019 US Virgin Islands Code|Title 10 - Civil Rights|Chapter 1 - Equal Rights of All Persons Against Discrimination|§ 2. Definitions

 As used in this chapter— “discrimination” includes refusal of sale or service, employment, or of setting up different standards in any of these, or segregation, based on race, creed, color, or national origin. “place of public accommodation, resort, or amusement” means any place where food or drink is sold, or rooms rented, or charge is made for admission or service, or occupancy or use of any property or facilities, including but not limited to inns, hotels (whether conducted for the entertainment of transient guests or for the accommodation of those seeking health, recreation, or rest), taverns, roadhouses, rooming houses, restaurants, eating houses, or any places where food is sold for consumption on the premises, buffets, saloons, barrooms, parks or enclosures where food, spirituous or malt liquors, wines, soft drinks or beer are sold, bathing houses, beaches, swimming pools, barber shops, beauty parlors, soda fountains, drink parlors of all kinds, shops, stores, gardens, amusement and recreation parks, theaters, golf courses, public and private schools, clubs (if food, drink or other commodities are sold there), public conveyances operated on land or water or in the air as well as the stations or terminals thereof, or any hospital, sanitarium, dispensary, or clinic. “club” means any association of individuals banded together by their free accord for any lawful purpose. The provisions of this chapter shall not bar any club organized and operated exclusively for pleasure, recreation or other noncommercial purposes, which is supported by or derives its funds entirely from dues and contributions from its membership. This chapter does not prohibit such lawful private clubs; it does not regulate their free selection of club membership; and does not restrict their freedoms of choice or association. This chapter does, however, prohibit such clubs, along with all other persons, from selling, leasing, or renting real estate, and from entering the field of business and commerce by selling food or drink or any other commodity or charging for the use of any beach or other club facility or service, or from using the license issued to them to do so, on any discriminatory basis whatsoever. Whenever or wherever a club sells any of the commodities or services mentioned in this chapter either to its membership or its guests selected by itself, it is hereby declared to have entered the field of business and commerce, and, therefore, to be a place of public accommodation under the meaning of this chapter.
V.I. Code tit. 10, § 4 (2019)
2019 US Virgin Islands Code|Title 10 - Civil Rights|Chapter 1 - Equal Rights of All Persons Against Discrimination|§ 4. Filing information as to club facilities, licenses, charges, etc.; determination and registration

 (a) No later than January 15 of each year, any person maintaining, owning, leasing, possessing, or operating any club facilities consisting of physical property such as land, beaches, or buildings shall file with the Civil Rights Commission— (1) a statement of the licenses he holds to sell liquor, food or drink, or to rent rooms, or to charge for any other use or occupancy of property, facility, service or beach, together with a statement of what articles, if any, are sold, what rooms, if any, are rented, and what other facilities or services are maintained for charge; and (2) if an incorporated or unincorporated association of individuals, a copy of its constitution and bylaws, together with a list of all duly elected officers and directors and a list of all members of the association— (b) If any charges, as described in subsection (a) of this section, are made either to members or nonmembers of clubs, the statement required by such subsection shall also include an affidavit by the president and manager of the club in each such case, certifying that there is no discrimination in such sales, renting, or use based upon race, creed, color, national origin or nonmembership in the club. (c) Any place at or on which charges are made in any manner for any article, or for the use or occupancy of any property, facility or service located or operated thereon is expressly declared to be a place of public accommodation, resort or amusement within the spirit and meaning of this chapter, and shall, upon determination as such by the Civil Rights Commission or the District Court of the United States Virgin Islands, be so registered in the office of the Civil Rights Commission.
V.I. Code tit. 10, § 5 (2019)
2019 US Virgin Islands Code|Title 10 - Civil Rights|Chapter 1 - Equal Rights of All Persons Against Discrimination|§ 5. Tuition charges by parochial or denominational schools; admission to religious bodies maintaining schools

 This chapter shall not be construed as preventing a reasonable difference in charges by parochial or denominational schools for tuition of members and nonmembers or preference in admission to members of the religious body maintaining the school.