reglab/housing_qa huggingface dataset:
IA Code § 537.3614 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 537 - CONSUMER CREDIT CODE|Section 537.3614 - Taxes and official fees.

537.3614 Taxes and official fees.   1. If the amount is separately disclosed in the agreement, the lessor may require the lessee to pay all applicable state and county sales, use, and personal property taxes levied as a result of the execution of the consumer rental purchase agreement, provided that the lessor pays the full amount of these taxes to the appropriate authorities.   2. If the amount is separately disclosed in the agreement, the lessor may contract for and receive from the lessee an amount equal to all official fees required to be paid under the consumer rental purchase agreement provided that the lessor pays the full amount of these fees to the appropriate authorities.  87 Acts, ch 80, §14
IA Code § 537.3615 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 537 - CONSUMER CREDIT CODE|Section 537.3615 - Advertising.

537.3615 Advertising.   1. An advertisement for a consumer rental purchase agreement shall not state or imply that a specific item is available at specific amounts or terms unless the lessor usually and customarily offers or will offer that item at those amounts or terms.   2. If an advertisement for a consumer rental purchase agreement refers to or states the amount of any payment, or the right to acquire ownership, for a specific item, the advertisement must also clearly and conspicuously state the following terms as applicable:   a. That the transaction advertised is a consumer rental purchase agreement.   b. The total of payments necessary to acquire ownership.   c. That the lessee will not own the property until the total amount necessary to acquire ownership is paid in full or by prepayment as provided for by law.   3. Notwithstanding the requirements of subsection 1, if the advertisement is published by way of radio announcement or on a roadside billboard, the lessor need only make the disclosures required by subsection 2, paragraphs “a” and “c”.   4. With respect to any matters specifically governed by the advertising provisions of the federal Consumer Credit Protection Act, compliance with that Act satisfies the requirements of this section.   5. This section does not apply to the owner or personnel, as such, of any medium in which an advertisement appears or through which it is disseminated.  87 Acts, ch 80, §15
IA Code § 537.3616 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 537 - CONSUMER CREDIT CODE|Section 537.3616 - Lessee’s reinstatement rights.

537.3616 Lessee’s reinstatement rights.   1. A lessee who fails to make timely rental payments has the right to reinstate the original consumer rental purchase agreement without losing any rights or options previously acquired under the consumer rental purchase agreement if both of the following apply:   a. Subsequent to having failed to make a timely rental payment, the lessee has surrendered the property to the lessor, if and when requested by the lessor.   b. Not more than sixty days has passed since the lessee has returned the property.   2. As a condition precedent to reinstatement of a consumer rental purchase agreement, a lessor may charge the outstanding balance of any accrued payments and delinquency charges, a reinstatement fee, and the delivery charges allowable by section 537.3612, subsection 2, if redelivery of the item is necessary.   3. If reinstatement occurs pursuant to this section, the lessor shall provide the lessee with the same item, if available, leased by the lessee prior to reinstatement. If the same item is not available, a substitute item of comparable worth, quality, and condition may be used. If a substitute item is provided, the lessor shall provide the lessee with all the information required by section 537.3605.  87 Acts, ch 80, §16  Referred to in §537.3613, 537.3619
IA Code § 537.3617 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 537 - CONSUMER CREDIT CODE|Section 537.3617 - Unconscionability.

537.3617 Unconscionability.   Unconscionability in consumer rental purchase agreements is governed by section 537.5108.  87 Acts, ch 80, §17
IA Code § 537.3618 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 537 - CONSUMER CREDIT CODE|Section 537.3618 - Default.

537.3618 Default.   An agreement of the parties to a consumer rental purchase agreement with respect to default on the part of the lessee is enforceable only to the extent that one of the following apply:   1. The lessee both fails to renew an agreement and also fails to return the rented property or make arrangements for its return as provided by the agreement.   2. The prospect of payment, performance, or return of the property is materially impaired due to a breach of the consumer rental purchase agreement; the burden of establishing the prospect of material impairment is on the lessor.  87 Acts, ch 80, §18  Referred to in §537.5110, 537.5111
IA Code § 537.3620 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 537 - CONSUMER CREDIT CODE|Section 537.3620 - Willful and intentional violations.

537.3620 Willful and intentional violations.   A person who willfully and intentionally violates a provision of this part is guilty of a serious misdemeanor.  87 Acts, ch 80, §20  Referred to in §537.3622
IA Code § 537.3621 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 537 - CONSUMER CREDIT CODE|Section 537.3621 - Damages.

537.3621 Damages.   In case of a violation of a provision of this part with respect to a consumer rental purchase agreement, or a violation of the Iowa debt collection practices Act, article 7 of this chapter, where a debt arises in connection with a consumer rental purchase agreement, the lessee in the agreement may recover from the person committing the violation, or may set off or counterclaim in an action by that person, actual damages, with a minimum recovery of three hundred dollars or twenty-five percent of the total cost to acquire ownership under the consumer rental purchase agreement, whichever is greater; attorney fees; and court costs.  87 Acts, ch 80, §21; 89 Acts, ch 128, §3  Referred to in §537.3622
IA Code § 537.3622 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 537 - CONSUMER CREDIT CODE|Section 537.3622 - Effect of correction.

537.3622 Effect of correction.   Notwithstanding sections 537.3620 and 537.3621, a failure to comply with a provision of this part which is due to a bona fide error may be corrected within thirty days after the date of execution of the consumer rental purchase agreement by the lessee. If so corrected, neither the lessor nor any holder is subject to penalty under this section if, where appropriate, a new written agreement and disclosures are provided to the lessee and any excess charges are refunded to the lessee.  87 Acts, ch 80, §22
IA Code § 537.3623 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 537 - CONSUMER CREDIT CODE|Section 537.3623 - Statute of limitations.

537.3623 Statute of limitations.   An action shall not be brought under this part more than two years after the occurrence of the alleged violation.  87 Acts, ch 80, §23
IA Code § 537.3624 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 537 - CONSUMER CREDIT CODE|Section 537.3624 - Enforcement.

537.3624 Enforcement.   1. The provisions of this part are subject to the powers and functions of the administrator as provided in article 6 of this chapter and to the debt collection practices as provided in article 7 of this chapter. However, section 537.6113, subsection 2, does not apply to violations of this part.   2. If a court finds in an action brought by the administrator pursuant to section 537.6113 that it is proven that a lessor has intentionally acted in bad faith in its performance under this part, the lessor is subject to a civil penalty of not less than one hundred dollars nor more than one thousand dollars for each violation. However, no more than one penalty may be imposed in any one action against a lessor for repeated violations of the same provision. A civil penalty pursuant to this subsection shall not be imposed for a violation of this part occurring more than two years before the action is brought, or for making unconscionable agreements or engaging in a course of fraudulent or unconscionable conduct.  87 Acts, ch 80, §24
IA Code § 537.4101 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 537 - CONSUMER CREDIT CODE|Section 537.4101 - Scope — excess charges.

537.4101 Scope — excess charges.   1. This article applies to insurance provided in relation to a consumer credit transaction.   2. A charge for insurance in excess of the rates promulgated by the commissioner of insurance, or otherwise made in violation of the law, including this chapter, or the rules promulgated by the commissioner of insurance, is an excess charge for purposes of determining rights of parties under section 537.5201, and authority of the administrator to bring civil action under section 537.6113.  [C75, 77, 79, 81, §537.4101]
IA Code § 537.5101 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 537 - CONSUMER CREDIT CODE|Section 537.5101 - Short title.

537.5101 Short title.   This article shall be known and may be cited as the “Iowa Consumer Credit Code — Remedies and Penalties”.  [C75, 77, 79, 81, §537.5101]
IA Code § 537.5102 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 537 - CONSUMER CREDIT CODE|Section 537.5102 - Scope.

537.5102 Scope.   This part applies to actions or other proceedings to enforce rights arising from consumer credit transactions, to extortionate or unlawful extensions of credit, and to unconscionability.  [C75, 77, 79, 81, §537.5102]
IA Code § 537.5103 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 537 - CONSUMER CREDIT CODE|Section 537.5103 - Creditor’s obligations on repossession — restriction on deficiency judgments.

537.5103 Creditor’s obligations on repossession — restriction on deficiency judgments.   1. This section applies to a consumer credit sale of goods or services and a consumer loan. A consumer is not liable for a deficiency unless the creditor has disposed of repossessed or surrendered goods in good faith and in a commercially reasonable manner.   2. If the seller repossesses or voluntarily accepts surrender either of goods which were the subject of the sale and in which the seller has a security interest, or of goods which were not the subject of the sale but in which the seller has a security interest to secure a debt arising from a sale of goods or services or a combined sale of goods and services, the seller’s duty to dispose of the collateral is governed by the provisions on disposition of collateral in chapter 554, article 9, part 6.   3. If a lender takes possession or voluntarily accepts surrender of goods in which the lender has a security interest to secure a debt arising from a consumer loan, the lender’s duty to dispose of the collateral is governed by the provisions on disposition of collateral in chapter 554, article 9, part 6.  [C75, 77, 79, 81, §537.5103]  2000 Acts, ch 1149, §171, 187
IA Code § 537.5104 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 537 - CONSUMER CREDIT CODE|Section 537.5104 - No garnishment before judgment.

537.5104 No garnishment before judgment.   Prior to entry of judgment in an action against the consumer arising from a consumer credit transaction, the creditor may not attach unpaid earnings of the consumer, or earnings deposited in a financial institution by the consumer, by garnishment, attachment, or proceedings under chapter 630.  [C75, 77, 79, 81, §537.5104]
IA Code § 537.5106 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 537 - CONSUMER CREDIT CODE|Section 537.5106 - Garnishment.

537.5106 Garnishment.   The administrator has all powers granted under article 6, part 1, to enforce the provisions of section 642.21, in relation to a garnishment arising from a consumer credit transaction.  [C75, 77, 79, 81, §537.5106]
IA Code § 537.5107 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 537 - CONSUMER CREDIT CODE|Section 537.5107 - Extortionate or unlawful extensions of credit.

537.5107 Extortionate or unlawful extensions of credit.   If it is the understanding of the creditor and the debtor at the time an extension of credit is made that delay in making repayment or failure to make repayment could result in the use of violence or other criminal means to cause harm to the person, reputation or property of any person, the repayment of the extension of credit is unenforceable through civil judicial processes against the consumer.  [C75, 77, 79, 81, §537.5107]
IA Code § 537.5109 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 537 - CONSUMER CREDIT CODE|Section 537.5109 - Default.

537.5109 Default.   “Default” with respect to a consumer credit transaction and for the purposes of this article, means either of the following, if without justification under any law:   1. Failure to make a payment within ten days of the time required by agreement, or in a consumer rental purchase agreement, failure to renew an agreement and failure to return the rented property or make arrangements for its return as provided by the agreement.   2. Failure to observe any other covenant of the transaction, breach of which materially impairs the condition, value or protection of or the creditor’s right in any collateral securing the transaction, or materially impairs the consumer’s prospect to pay amounts due under the transaction. The burden of establishing material impairment is on the creditor.  [C75, 77, 79, 81, §537.5109]  87 Acts, ch 80, §48
IA Code § 537.5113 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 537 - CONSUMER CREDIT CODE|Section 537.5113 - Venue.

537.5113 Venue.   An action by a creditor against a consumer arising from a consumer credit transaction shall be brought in the county of the consumer’s residence as defined in section 537.1201, subsection 4, unless an action is brought to enforce an interest in land securing the consumer’s obligation, in which case the action shall be brought in the county in which the land or a part of it is located. If the county of the consumer’s residence has changed, the consumer upon motion may have the action removed to the county of the consumer’s current residence. If the residence of the consumer is not within this state, the action may be brought in the county in which the sale, lease or loan was made. If the initial papers offered for filing in the action on their face show noncompliance with this section, they shall not be accepted by the clerk of the court.  [C75, 77, 79, 81, §537.5113]  Referred to in §602.8102(74)
IA Code § 537.5114 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 537 - CONSUMER CREDIT CODE|Section 537.5114 - Complaint — proof.

537.5114 Complaint — proof.   1. In an action brought by a creditor against a consumer arising from a consumer credit transaction, the complaint shall allege the facts of the consumer’s default, the amount to which the creditor is entitled, and an indication of how that amount was determined.   2. No default judgment shall be entered in the action in favor of the creditor unless the complaint is verified by the creditor, or unless sworn testimony, by affidavit or otherwise, is adduced showing that the creditor is entitled to the relief demanded.  [C75, 77, 79, 81, §537.5114]
IA Code § 537.5202 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 537 - CONSUMER CREDIT CODE|Section 537.5202 - Damages or penalties as setoff to obligation.

537.5202 Damages or penalties as setoff to obligation.   Damages or penalties to which a consumer is entitled pursuant to this part may be setoff against the consumer’s obligation, and may be raised as a defense to a suit on the obligation without regard to the time limitations prescribed by this part.  [C75, 77, 79, 81, §537.5202]
IA Code § 537.5301 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 537 - CONSUMER CREDIT CODE|Section 537.5301 - Willful violations.

537.5301 Willful violations.   1. A person who willfully and knowingly makes charges in excess of those permitted by the provisions of article 2, part 4, applying to supervised loans, is guilty of a serious misdemeanor.   2. A person who, in violation of the provisions of this Act applying to authority to make supervised loans under section 537.2301, willfully and knowingly engages without a license in the business of making supervised loans, or of taking assignments of and undertaking direct collection of payments from and enforcement of rights against consumers arising from supervised loans, is guilty of a serious misdemeanor.   3. A person, other than a lessor in a consumer rental purchase agreement, who willfully and knowingly engages in the business of entering into consumer credit transactions, or of taking assignments of rights against consumers arising therefrom and undertaking direct collection of payments or enforcement of these rights, without complying with the provisions of this chapter concerning notification under section 537.6202 or payment of fees under section 537.6203, is guilty of a simple misdemeanor.   4. A person who willfully and knowingly violates the provisions of section 537.7103 is guilty of a serious misdemeanor. However, this subsection is not applicable to a violation of section 537.7103, subsection 7.  [C75, 77, 79, 81, §537.5301]  87 Acts, ch 80, §52; 2007 Acts, ch 128, §3
IA Code § 537.5302 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 537 - CONSUMER CREDIT CODE|Section 537.5302 - Disclosure violations.

537.5302 Disclosure violations.   A person is guilty of a serious misdemeanor, if the person willfully and knowingly does any of the following:   1. Gives false or inaccurate information or fails to provide information which the person is required to disclose under the provisions of the Truth in Lending Act.   2. Uses any rate table or chart, the use of which is authorized by the provisions of the Truth in Lending Act, in a manner which consistently understates the annual percentage rate determined according to those provisions.   3. Otherwise fails to comply with any requirement of the provisions on disclosure of the Truth in Lending Act.   4. The criminal liability of a person under this section is in lieu of and not in addition to the person’s criminal liability under the Truth in Lending Act. No prosecution of a person with respect to the same violation may be maintained pursuant to both this section and the Truth in Lending Act.  [C75, 77, 79, 81, §537.5302]  Referred to in §537.1202
IA Code § 537.6101 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 537 - CONSUMER CREDIT CODE|Section 537.6101 - Short title.

537.6101 Short title.   This article shall be known and may be cited as the “Iowa Consumer Credit Code — Administration”.  [C75, 77, 79, 81, §537.6101]
IA Code § 537.6102 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 537 - CONSUMER CREDIT CODE|Section 537.6102 - Applicability.

537.6102 Applicability.   This part applies to persons who:   1. Participate in transactions, acts, practices or conduct to which this chapter applies pursuant to section 537.1201.   2. Participate in this state in transactions, acts, practices or conduct to which this chapter would apply pursuant to section 537.1201, but for the residence of the consumer.   3. Enter into or modify a sale of an interest in land or a loan secured by an interest in land, if, but for the rate of the finance charge, the sale, loan or modification would involve a consumer credit sale or consumer loan, but applies only for the purpose of authorizing the administrator to enforce the provisions on compliance with the Truth in Lending Act.  [C75, 77, 79, 81, §537.6102]  Referred to in §537.1201
IA Code § 537.6103 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 537 - CONSUMER CREDIT CODE|Section 537.6103 - Administrator.

537.6103 Administrator.   Except as expressly provided in sections 537.6106 and 537.6108, “administrator” means the attorney general or the attorney general’s designee.  [C75, 77, 79, 81, §537.6103]  Referred to in §524.103, 533.116, 536.28, 536A.2, 537.1301, 537.3604, 537.7102
IA Code § 537.6105 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 537 - CONSUMER CREDIT CODE|Section 537.6105 - Administrative powers with respect to supervised financial organizations and supervised loan licensees.

537.6105 Administrative powers with respect to supervised financial organizations and supervised loan licensees.   1. With respect to supervised financial organizations subject to regulation under chapter 524 or 533, and persons licensed under chapters 536 and 536A, the powers of examination and investigation as provided in sections 537.2305 and 537.6106, and administrative enforcement as provided in sections 537.2303 and 537.6108, shall be exercised by the official or agency to whose supervision the person is subject. All other powers of the administrator under this chapter may be exercised by the administrator with respect to such persons. In all actions or other court proceedings brought to enforce this chapter, the attorney general or the attorney general’s designee shall participate.   2. If the administrator receives a complaint or other information concerning noncompliance with this chapter by a person specified in subsection 1, the administrator shall inform the official or agency having supervisory authority over that person. The administrator may obtain information about any such person from the officials or agencies supervising them.   3. The administrator and any official or agency of this state having supervisory authority over a supervised financial organization or a chapter 536 or 536A licensee are authorized and directed to consult and assist one another in maintaining compliance with this chapter. They may jointly pursue investigations, prosecute suits, and take other official action against violations of this chapter, as they deem appropriate, if either of them otherwise is empowered to take the action.  [C75, 77, 79, 81, §537.6105]  2012 Acts, ch 1017, §147  Referred to in §524.227, 533.116, 536.29, 536A.29, 537.6106, 537.6108