reglab/housing_qa huggingface dataset:
MO Rev Stat § 367.100 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 367 - Pawnbrokers and Small Loans|Section 367.100 - Definitions.

Effective - 28 Aug 2001   367.100. Definitions. — As used in sections 367.100 to 367.200:  (1) "Consumer credit loans" shall mean:  (a) Prior to January 1, 2002, loans for the benefit of or use by an individual or individuals:  a. Secured by a security agreement or any other lien on tangible personal property or by the assignment of wages, salary or other compensation; or  b. Unsecured and whether with or without comakers, guarantors, endorsers or sureties;  (b) Beginning January 1, 2002, and thereafter, loans for personal, family or household purposes in amounts of five hundred dollars or more;  (2) "Director" shall mean the director of the division of finance or such agency or agencies as may exercise the powers and duties now performed by such director;  (3) "Lender" shall mean any person engaged in the business of making consumer credit loans. A person who makes an occasional consumer credit loan or who occasionally makes loans but is not regularly engaged in the business of making consumer credit loans shall not be considered a lender subject to sections 367.100 to 367.200;  (4) "Person" shall include individuals, partnerships, associations, trusts, corporations, and any other legal entities, excepting those corporations whose powers emanate from the laws of the United States and those which under other law are subject to the supervisory jurisdiction of the director or the director of the division of credit unions of Missouri;  (5) "Supervised business" shall mean the business of making consumer credit loans, as herein defined, of money, credit, goods, or things in action. ­­-------- (L. 1951 p. 262 § 1, A.L. 1965 p. 114, A.L. 1977 H.B. 48, A.L. 1978 S.B. 745, A.L. 1994 H.B. 1165, A.L. 2001 H.B. 738, A.L. 2001 S.B. 186)  CROSS REFERENCE:  Interest rate on small loans, 408.100 to 408.210
MO Rev Stat § 367.110 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 367 - Pawnbrokers and Small Loans|Section 367.110 - Certificate of registration required, when.

Effective - 28 Aug 1951   367.110. Certificate of registration required, when. — No lender shall engage in the business of making consumer credit loans as herein defined in this state of money, credit, goods or things in action without first having obtained a certificate of registration from the director as provided in sections 367.100 to 367.200. ­­-------- (L. 1951 p. 262 § 2)
MO Rev Stat § 367.120 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 367 - Pawnbrokers and Small Loans|Section 367.120 - Certificate of registration — application for.

Effective - 28 Aug 1951   367.120. Certificate of registration — application for. — Application for a certificate of registration shall be in writing in the form prescribed by the director. No certificate of registration is required until thirty days after sections 367.100 to 367.200 become effective, during which period such application may be made. ­­-------- (L. 1951 p. 262 § 3)
MO Rev Stat § 367.130 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 367 - Pawnbrokers and Small Loans|Section 367.130 - Bond — amount — conditions — additional bond, when.

Effective - 28 Aug 1951   367.130. Bond — amount — conditions — additional bond, when. — The director may require the lender to file with the director a bond in the principal amount of one thousand dollars at the time of filing the application for a certificate of registration hereunder, or at such later time as the director deems necessary for the purposes of sections 367.100 to 367.200. The lender shall be the obligor, and the surety shall be approved by the director. The bond shall run to the state of Missouri for the use of the state or any person or persons who may have a cause of action against the lender-obligor arising out of the supervised business. The condition of the bond shall be that the lender-obligor will conform to and abide by the provisions of sections 367.100 to 367.200 and the laws of the state of Missouri relating to consumer credit loans, and the assignment or sale of wages, salaries, or other compensation, and will pay to the state and to any person any and all moneys that may become due under sections 367.100 to 367.200 or under any transaction which is a part of the supervised business. If in the opinion of the director the bond shall at any time appear to be insecure or exhausted or otherwise doubtful an additional bond in the principal sum of not more than one thousand dollars in form and with surety satisfactory to the director, shall be filed within fifteen days after notice of the requirement thereof be given to the lender by the director. ­­-------- (L. 1951 p. 262 § 4)
MO Rev Stat § 367.140 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 367 - Pawnbrokers and Small Loans|Section 367.140 - Annual registration — fee, amount — certificates, issuance, display.

Effective - 28 Aug 2015   *367.140. Annual registration — fee, amount — certificates, issuance, display. — 1. Every lender shall, at the time of filing application for certificate of registration as provided in section 367.120 hereof, pay the sum of five hundred dollars as an annual registration fee for the period ending the thirtieth day of June next following the date of payment and in full payment of all expenses for investigations, examinations and for the administration of sections 367.100 to 367.200, except as provided in section 367.160, and thereafter a like fee shall be paid on or before June thirtieth of each year; provided, that if a lender is supervised by the commissioner of finance under any other law, the charges for examination and supervision required to be paid under said law shall be in lieu of the annual fee for registration and examination required under this section. The fee shall be made payable to the director of revenue. If the initial registration fee for any certificate of registration is for a period of less than twelve months, the registration fee shall be prorated according to the number of months that said period shall run. The director may establish a biennial licensing arrangement but in no case shall the fees be payable for more than one year at a time.  2. Upon receipt of such fee and application for registration, and provided the bond, if required by the director, has been filed, the director shall issue to the lender a certificate containing the lender's name and address and reciting that such lender is duly and properly registered to conduct the supervised business. The lender shall keep this certificate of registration posted in a conspicuous place at the place of business recited in the registration certificate. Where the lender engages in the supervised business at or from more than one office or place of business, such lender shall obtain a separate certificate of registration for each such office or place of business.  3. Certificates of registration shall not be assignable or transferable except that the lender named in any such certificate may obtain a change of address of the place of business therein set forth. Each certificate of registration shall remain in full force and effect until surrendered, revoked, or suspended as herein provided. ­­-------- (L. 1951 p. 262 § 5, A.L. 1986 H.B. 1195, A.L. 2003 S.B. 346, A.L. 2015 H.B. 587 merged with S.B. 345)  Effective 8-28-15 (H.B. 587)  *10-16-15 (S.B. 345), see § 21.250. S.B. 345 was vetoed July 7, 2015. The veto was overridden September 16, 2015.
MO Rev Stat § 367.160 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 367 - Pawnbrokers and Small Loans|Section 367.160 - Examination of lenders — authority of director — lender to pay costs, when.

Effective - 15 May 1986   367.160. Examination of lenders — authority of director — lender to pay costs, when. — The director, his deputies and examiners shall have full power and authority at any time and as often as reasonably necessary to investigate or examine the supervised business, affairs and loans made in the supervised business of any registered lender and of every person, firm, partnership and corporation making loans who the director has reasonable grounds to believe is subject to and violating the provisions of sections 367.100 to 367.200, for the purpose of ascertaining whether or not the lender, or such person, firm, partnership or corporation is complying with the provisions of sections 367.100 to 367.200 and the laws of Missouri relating to consumer credit loans or assignment or sale of wages or salary or other compensation. In connection with any such investigation or examination the director and his representatives shall have free and immediate access to the lender's place or places of business and his or its books and records and shall have the right and power to examine under oath all persons whomsoever whose testimony may be required relative to the affairs and business of the particular lender. Whenever it is necessary to examine the business and loans of a registered lender more than once a year or of any other lender at any time, then the lender shall be chargeable with and be required to pay the necessary cost and expenses thereof, including the actual travel expenses and a per diem of one hundred dollars for each examining official while engaged in travel to and from the place of such examination and during the period required for such examination. Whenever any lender is subject to examination by or required to make reports to municipal officers under city ordinances regulating the supervised business, such examinations or reports shall be in lieu of the examinations and reports required by the provisions of sections 367.100 to 367.200. ­­-------- (L. 1951 p. 262 § 7, A.L. 1986 H.B. 1195)  Effective 5-15-86
MO Rev Stat § 367.170 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 367 - Pawnbrokers and Small Loans|Section 367.170 - Regulations — authority of director — insurance — premiums deemed not to be charges.

Effective - 28 Aug 1984   367.170. Regulations — authority of director — insurance — premiums deemed not to be charges. — The director is authorized and empowered to make such general regulations as may be necessary for the enforcement of sections 367.100 to 367.200 and shall issue regulations providing and governing the types and limits of insurance and the issuance of policies which may be sold in connection with consumer credit loans. The cost of any insurance shall not exceed the standard rates and the insurance shall be obtained from an insurance company duly authorized to conduct business in this state and the registrant, or any of its employees, may be licensed as an insurance agent. Insurance premiums shall not be considered as interest, service charges or fees in connection with any loan. Each such regulation shall be consistent with sections 367.100 to 367.200 and shall be referenced to the specific provision of sections 367.100 to 367.200 which is to be enforced by it. Nothing in this section shall alter or amend the statutes of this state relating to insurance or affect the powers of the director of the department of commerce and insurance under statutes relating to credit life insurance and credit accident and health insurance. ­­-------- (L. 1951 p. 262 § 8, A.L. 1984 S.B. 686 § 367.170 subsec. 1)
MO Rev Stat § 367.180 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 367 - Pawnbrokers and Small Loans|Section 367.180 - Lender to keep records.

Effective - 28 Aug 1951   367.180. Lender to keep records. — Every lender shall keep books and records of the supervised business. ­­-------- (L. 1951 p. 262 § 9)
MO Rev Stat § 367.185 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 367 - Pawnbrokers and Small Loans|Section 367.185 - Loan solicitation, disclosures.

Effective - 28 Aug 1998   367.185. Loan solicitation, disclosures. — 1. Every nondepository financial institution licensed under sections 367.100 to 367.215 and otherwise defined as a person in section 367.100 shall comply with the provisions of this section.  2. In addition to any disclosures otherwise provided by law, such person soliciting loans using facsimile or negotiable checks shall disclose the following: "THIS IS A SOLICITATION FOR A LOAN. READ THE ENCLOSED DISCLOSURES BEFORE SIGNING THIS AGREEMENT."  ­­This notice shall be printed in not less than ten-point bold type and shall appear directly on the face of the check.  3. When such persons make loans secured by real estate as otherwise provided by law, such persons shall include in a printed portion of the contract the following notice: "WARNING TO BORROWER: DEFAULT IN THE PAYMENT OF THIS LOAN AGREEMENT MAY RESULT IN THE LOSS OF THE PROPERTY SECURING THE LOAN. UNDER FEDERAL LAW YOU MAY HAVE THE RIGHT TO CANCEL THIS AGREEMENT. IF YOU HAVE THIS RIGHT, THE CREDITOR IS REQUIRED TO PROVIDE YOU WITH A SEPARATE WRITTEN NOTICE SPECIFYING THE CIRCUMSTANCES AND TIMES UNDER WHICH YOU CAN EXERCISE THIS RIGHT."  ­­This notice shall be printed in not less than ten-point bold type.  4. When making or negotiating loans, such person shall take into consideration in determining the size and duration of a loan contract the financial ability of borrowers to reasonably repay the loan in the time and manner as specified in the loan contract.  5. Such person shall post in a conspicuous location in each licensed office the maximum rates and fees that such person is currently charging on any loans made. ­­-------- (L. 1998 S.B. 792)
MO Rev Stat § 367.190 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 367 - Pawnbrokers and Small Loans|Section 367.190 - Certificates of registration — suspension, revocation, when — hearing — review.

Effective - 28 Aug 1951   367.190. Certificates of registration — suspension, revocation, when — hearing — review. — In the event any lender fails, refuses, or neglects to comply with the provisions of sections 367.100 to 367.200, or of any laws of the state of Missouri relating to consumer credit loans or assignment or sale of wages, or salaries or other compensation, his or its certificate of registration for the place of business at which the violation occurred, may be suspended or revoked by order of the director after a hearing before said director on any order to show cause why such order of suspension or revocation should not be entered specifying the grounds therefor which shall be served on the particular lender at least ten days prior to the hearing. Such action shall not affect any rights or charter powers which any state bank, state trust company or national banking association has by virtue of any other law. Review may be had of any such order made and entered by the director in the manner provided by law. ­­-------- (L. 1951 p. 262 § 10)
MO Rev Stat § 367.200 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 367 - Pawnbrokers and Small Loans|Section 367.200 - Violations — penalty.

Effective - 28 Aug 1951   367.200. Violations — penalty. — If any person, firm, partnership or corporation to whom or which sections 367.100 to 367.200 apply, or any officer, agent or representative of such person, firm, partnership or corporation violates any of the provisions of said sections or shall attempt to transact any supervised business whatsoever in the name or on behalf of such person, firm, partnership or corporation, while he or it fails or refuses to comply with provisions of sections 367.100 to 367.200, each such person, firm, partnership, or corporation, agent, officer, or representative shall be deemed guilty of a misdemeanor. ­­-------- (L. 1951 p. 262 § 11)
MO Rev Stat § 367.205 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 367 - Pawnbrokers and Small Loans|Section 367.205 - Annual audit by certified public accountant required.

Effective - 28 Aug 1972   367.205. Annual audit by certified public accountant required. — All persons and entities licensed under the provisions of sections 367.100 to 367.200 shall cause an audit to be made once each year by a certified public accountant firm, of which at least one partner is the holder of a Missouri certified public accountant license. In the event that entities licensed under the provisions of sections 367.100 to 367.200 are affiliated with entities which engage in other than such licensed activities in this state or elsewhere, an audit of the financial statements which consolidate the financial statements of the licensee, made according to generally accepted auditing standards, will be sufficient for the purpose of sections 367.205 to 367.215. ­­-------- (L. 1972 S.B. 405 § 1)
MO Rev Stat § 367.210 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 367 - Pawnbrokers and Small Loans|Section 367.210 - Audit report to director of finance, when.

Effective - 28 Aug 1972   367.210. Audit report to director of finance, when. — A copy of the report of the audit required by section 367.205 shall be delivered to the director of finance of the state of Missouri at least thirty days prior to the license renewal date. ­­-------- (L. 1972 S.B. 405 § 2)
MO Rev Stat § 367.215 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 367 - Pawnbrokers and Small Loans|Section 367.215 - Failure to file audit report, effect of — surety bond posted, when.

Effective - 28 Aug 2001   367.215. Failure to file audit report, effect of — surety bond posted, when. — The director of finance shall not issue a renewal license to any person or entity licensed under the provisions of sections 367.100 to 367.200 unless the audit report is furnished as required by section 367.210. In lieu of the requirements of sections 367.205 to 367.215, the licensee may post a surety bond in the amount of one hundred thousand dollars. The bond shall be in a form satisfactory to the director and shall be issued by a bonding or insurance company authorized to do business in the state to secure compliance with all laws relative to consumer credit. If, in the opinion of the director, the bond shall at any time appear to be inadequate, insecure, exhausted, or otherwise doubtful, additional bond in a form and with surety satisfactory to the director shall be filed within fifteen days after the director gives notice to the licensee. A licensee may, in lieu of filing any bond required under this section, provide the director with a one hundred thousand dollar irrevocable letter of credit, as defined in section 400.5-103, issued by any bank, trust company, savings and loan or credit union operating in Missouri. ­­-------- (L. 1972 S.B. 405 § 3, A.L. 2001 H.B. 738 merged with S.B. 186)
MO Rev Stat § 367.300 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 367 - Pawnbrokers and Small Loans|Section 367.300 - Definitions.

Effective - 28 Aug 1992   367.300. Definitions. — As used in sections 367.300 to 367.310, unless the context otherwise requires, the following terms shall mean:  (1) "Advance fee", any consideration which is assessed or collected prior to the closing by a loan broker;  (2) "Borrower", a person obtaining or desiring to obtain a loan of money, a credit card, or a line of credit;  (3) "Loan", an agreement to advance money or property in return for the promise to make payments therefor;  (4) "Loan broker", any person; except any bank, savings and loan association, trust company, building and loan association, credit union, retail installment sales company, securities broker-dealer, real estate broker or salesperson, attorney, federal housing administration or veterans' administration approved lender, credit card company, installment loan licensee, mortgage banker or lender, or insurance company, provided that the person excepted is licensed by or subject to regulation or supervision of any agency of the United States or this state and, if licensed, is acting within the scope of the license; and also excepting subsidiaries of licensed or chartered banks or savings and loan associations; who:  (a) For or in expectation of consideration arranges or attempts to arrange or offers to fund a loan of money, a credit card, or a line of credit;  (b) For or in expectation of consideration assists or advises a borrower in obtaining or attempting to obtain a loan of money, a credit card, a line of credit, or related guarantee, enhancement, or collateral of any kind or nature;  (c) Acts for or on behalf of a loan broker for the purpose of soliciting borrowers; or  (d) Holds himself out as a loan broker;  (5) "Principal", any officer, director, partner, joint venturer, branch manager, or other person with similar managerial or supervisory responsibilities for a loan broker. ­­-------- (L. 1992 S.B. 705)
MO Rev Stat § 367.305 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 367 - Pawnbrokers and Small Loans|Section 367.305 - Advance fee prohibited, penalty.

Effective - 28 Aug 1992   367.305. Advance fee prohibited, penalty. — 1. No loan broker shall charge, assess, collect or receive an advance fee from a borrower to provide services as a loan broker.  2. The knowing charging, assessment, collection or receipt of an advance fee, in violation of this section, is a class A misdemeanor. ­­-------- (L. 1992 S.B. 705)
MO Rev Stat § 367.307 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 367 - Pawnbrokers and Small Loans|Section 367.307 - Principal liable.

Effective - 28 Aug 1992   367.307. Principal liable. — Each principal of a loan broker shall be liable under sections 407.010 to 407.140 for the actions of the loan broker, including its agents or employees, in the course of business of the loan broker. ­­-------- (L. 1992 S.B. 705)
MO Rev Stat § 367.310 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 367 - Pawnbrokers and Small Loans|Section 367.310 - Violations deemed unlawful practice, penalty — attorney general, powers — penalties not exclusive — other rights not affected.

Effective - 28 Aug 1992   367.310. Violations deemed unlawful practice, penalty — attorney general, powers — penalties not exclusive — other rights not affected. — 1. Violation of any provision of sections 367.300 to 367.310 shall be deemed an unlawful practice under sections 407.010 to 407.130 and shall be subject to all penalties, remedies and procedures provided in sections 407.010 to 407.130. The attorney general shall have all powers, rights and duties regarding violations of sections 367.300 to 367.310 as are provided in sections 407.010 to 407.130 and shall have the rulemaking authority as provided in section 407.145.  2. The provisions of sections 367.300 to 367.310 are not exclusive. The remedy specified in sections 367.300 to 367.310 for violation of sections 367.300 to 367.310 or for conduct described in sections 367.300 to 367.310 shall be in addition to any other procedures or remedies for any violation or conduct provided for by any other law, including chapter 407. Nothing in sections 367.300 to 367.310 shall limit any other statutory or any common law rights of the attorney general, any circuit attorney or prosecuting attorney, or any other person. If any act or practice prescribed by sections 367.300 to 367.310 is also the basis for a cause of action in common law or a violation of another statute, the purchaser may assert the common law or statutory cause of action under the procedures and with the remedies applicable thereto. ­­-------- (L. 1992 S.B. 705)