reglab/housing_qa huggingface dataset:
IA Code § 533C.801 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533C - UNIFORM MONEY SERVICES ACT|Section 533C.801 - Administrative proceedings.

533C.801 Administrative proceedings.   All administrative proceedings under this chapter must be conducted in accordance with chapter 17A.  2003 Acts, ch 96, §33, 42
IA Code § 533C.802 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533C - UNIFORM MONEY SERVICES ACT|Section 533C.802 - Hearings.

533C.802 Hearings.   Except as otherwise provided in sections 533C.703 and 533C.707, the superintendent shall not suspend or revoke a license, place a licensee in receivership, issue an order to cease and desist, suspend or revoke the designation of an authorized delegate, or assess a civil penalty without notice and an opportunity to be heard. The superintendent shall also hold a hearing when requested to do so by an applicant whose application for a license is denied.  2003 Acts, ch 96, §34, 42
IA Code § 533C.803 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533C - UNIFORM MONEY SERVICES ACT|Section 533C.803 - Rules.

533C.803 Rules.   The superintendent may adopt pursuant to chapter 17A such reasonable and relevant rules, not inconsistent with this chapter, as may be necessary for the enforcement of the provisions of this chapter.  2003 Acts, ch 96, §35, 42
IA Code § 533C.901 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533C - UNIFORM MONEY SERVICES ACT|Section 533C.901 - Uniformity of application and construction.

533C.901 Uniformity of application and construction.   1. The provisions of this chapter shall be liberally construed to effectuate its remedial purposes. Civil remedies under this chapter shall be supplemental and not mutually exclusive. The civil remedies do not preclude and are not precluded by other provisions of law.   2. The provisions of 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 states enacting the law and to make the reporting requirements regarding financial transactions under Iowa law uniform with the reporting requirements regarding financial transactions under federal law.   3. The attorney general may enter into reciprocal agreements with the attorney general or chief prosecuting attorney of any state to effectuate the purposes of this chapter.  2003 Acts, ch 96, §36, 42
IA Code § 533C.902 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533C - UNIFORM MONEY SERVICES ACT|Section 533C.902 - Financial services licensing fund.

533C.902 Financial services licensing fund.   1. A financial services licensing fund is created as a separate fund in the state treasury under the authority of the banking division of the department of commerce. Moneys deposited in the fund shall be used to pay for staffing necessary to perform examinations, audits, and other duties required of the superintendent and the banking division under this chapter.   2. The fund shall receive moneys including, but not limited to, any fees, costs, expenses, or penalties collected pursuant to this chapter.   3. Notwithstanding section 8.33, moneys appropriated to the fund and other moneys credited to the fund shall not revert at the close of the fiscal year but shall remain in the financial services licensing fund and shall remain available for expenditure for the purposes designated.  2003 Acts, ch 96, §37, 42
IA Code § 533C.903 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533C - UNIFORM MONEY SERVICES ACT|Section 533C.903 - Severability clause.

533C.903 Severability clause.   The provisions of this chapter are severable pursuant to section 4.12.  2003 Acts, ch 96, §38, 42
IA Code § 533C.904 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533C - UNIFORM MONEY SERVICES ACT|Section 533C.904 - Applicability.

533C.904 Applicability.   This chapter applies to the provision of money services on or after October 1, 2003.  2003 Acts, ch 96, §39, 42; 2013 Acts, ch 5, §14
IA Code § 533D.1 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533D - DELAYED DEPOSIT SERVICES|Section 533D.1 - Title.

533D.1 Title.   This chapter shall be known and may be cited as the “Delayed Deposit Services Licensing Act”.  95 Acts, ch 139, §1
IA Code § 533D.2 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533D - DELAYED DEPOSIT SERVICES|Section 533D.2 - Definitions.

533D.2 Definitions.   For purposes of this chapter, unless the context otherwise requires:   1. “Check” means a check, draft, share draft, or other instrument for the payment of money.   2. “Delayed deposit services business” means a person who for a fee does either of the following:   a. Accepts a check dated subsequent to the date it was written.   b. Accepts a check dated on the date it was written and holds the check for a period of time prior to deposit or presentment pursuant to an agreement with, or any representation made to, the maker of the check, whether express or implied.   3. “Licensee” means a person licensed to operate pursuant to this chapter.   4. “Person” means an individual, group of individuals, partnership, association, corporation, or any other business unit or legal entity.   5. “Superintendent” means the superintendent of banking.  95 Acts, ch 139, §2
IA Code § 533D.4 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533D - DELAYED DEPOSIT SERVICES|Section 533D.4 - Surrender of license.

533D.4 Surrender of license.   A licensee may surrender a delayed deposit services license by delivering to the superintendent written notice that the license is surrendered. The surrender does not affect the licensee’s civil or criminal liability for acts committed prior to such surrender, the liability of the surety on the bond, or entitle such licensee to a return of any part of the annual license fee. The superintendent may establish procedures for the disposition of the books, accounts, and records of the licensee and may require such action as deemed necessary for the protection of the makers of checks which are outstanding at the time of surrender of the license.  95 Acts, ch 139, §4
IA Code § 533D.5 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533D - DELAYED DEPOSIT SERVICES|Section 533D.5 - Change in circumstances — notification of superintendent.

533D.5 Change in circumstances — notification of superintendent.   A licensee is to notify the superintendent in writing within thirty days of the occurrence of a material development affecting the licensee, including, but not limited to, any of the following:   1. Filing for bankruptcy or reorganization.   2. Reorganization of the business.   3. Commencement of license revocation or any other civil or criminal proceedings by any other state or jurisdiction.   4. The filing of a criminal indictment or complaint against the licensee or any of the licensee’s officers, directors, shareholders, partners, members, employees, or agents.   5. A felony conviction against the licensee or any of the licensee’s officers, directors, shareholders, partners, members, employees, or agents.  95 Acts, ch 139, §5
IA Code § 533D.6 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533D - DELAYED DEPOSIT SERVICES|Section 533D.6 - Continued operation after change in ownership — approval of superintendent required.

533D.6 Continued operation after change in ownership — approval of superintendent required.   1. The prior written approval of the superintendent is required for the continued operation of a delayed deposit services business whenever a change in control of a licensee is proposed. The person requesting such approval shall pay to the superintendent a fee of one hundred dollars. Control in the case of a corporation means direct or indirect ownership of, or the right to control, ten percent or more of the voting shares of the corporation, or the ability of a person to elect a majority of the directors or otherwise effect a change in policy. Control in the case of any other entity means any change in the principals of the organization, whether active or passive. The superintendent may require information deemed necessary to determine whether a new application is required. Costs incurred by the superintendent in investigating a change of control request shall be paid by the person requesting such approval.   2. A license issued pursuant to this chapter is not transferable or assignable.  95 Acts, ch 139, §6; 2006 Acts, ch 1042, §28; 2007 Acts, ch 22, §94
IA Code § 533D.7 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533D - DELAYED DEPOSIT SERVICES|Section 533D.7 - Principal place of business — branch offices authorized.

533D.7 Principal place of business — branch offices authorized.   1. Except as provided in subsection 2, a licensee may operate a delayed deposit services business only at an office designated as its principal place of business in the application. The licensee shall maintain its books, accounts, and records at its designated principal place of business. A licensee may change the location of its designated principal place of business with the prior written approval of the superintendent. The superintendent shall establish forms and procedures for determining whether the change of location should be approved.   2. A licensee may operate branch offices only in the same county in which the licensee’s designated principal place of business is located. The licensee may establish a branch office or change the location of a branch office with the prior written approval of the superintendent. The superintendent shall establish forms and procedures for determining whether the location of a branch office should be approved.   3. A fee of twenty-five dollars shall be paid to the superintendent for each request made pursuant to subsection 1 or 2 for a change of location. For each new branch office established, a fee of two hundred fifty dollars shall be paid to the superintendent.  95 Acts, ch 139, §7; 2006 Acts, ch 1042, §29
IA Code § 533D.7A (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533D - DELAYED DEPOSIT SERVICES|Section 533D.7A - Notice of name change.

533D.7A Notice of name change.   A licensee shall notify the superintendent thirty days in advance of the effective date of a change in the name of the licensee. With the notice of change, the licensee shall submit a fee of twenty-five dollars per license to the superintendent.  2006 Acts, ch 1042, §30
IA Code § 533D.8 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533D - DELAYED DEPOSIT SERVICES|Section 533D.8 - Other business operations at same site — restrictions.

533D.8 Other business operations at same site — restrictions.   1. A licensee may operate a delayed deposit services business at a location where any other business is operated or in association or conjunction with any other business with the written approval of the superintendent and consistent with both of the following requirements:   a. The books, accounts, and records of the delayed deposit services business are kept and maintained separate and apart from the books, accounts, and records of the other business.   b. The other business is not of a type which would tend to enable the concealment of acts engaged in to evade the requirements of this chapter. If the superintendent determines upon investigation that the other business is of a type which would conceal such acts the superintendent shall order the licensee to cease the operation of the delayed deposit services business at the location.   2. The department may order the licensee to cease operations of the business if it fails to obtain written approval of the superintendent before operating a business in association or conjunction with services provided under this chapter.  95 Acts, ch 139, §8
IA Code § 533D.9 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533D - DELAYED DEPOSIT SERVICES|Section 533D.9 - Fee restriction — required disclosure.

533D.9 Fee restriction — required disclosure.   1. A licensee shall not charge a fee in excess of fifteen dollars on the first one hundred dollars on the face amount of a check or more than ten dollars on subsequent one hundred dollar increments on the face amount of the check for services provided by the licensee, or pro rata for any portion of one hundred dollars face value.   2. A licensee shall give to the maker of the check, at the time any delayed deposit service transaction is made, or if there are two or more makers, to one of them, notice written in clear, understandable language disclosing all of the following:   a. The fee to be charged for the transaction.   b. The annual percentage rate as computed pursuant to the federal Truth in Lending Act.   c. The date on which the check will be deposited or presented for negotiation.   d. Any penalty, not to exceed fifteen dollars, which the licensee will charge if the check is not negotiable on the date agreed upon. A penalty to be charged pursuant to this section shall only be collected by the licensee once on a check no matter how long the check remains unpaid. A penalty to be charged pursuant to this section is a licensee’s exclusive remedy and if a licensee charges a penalty pursuant to this section no other penalties under this chapter or any other provision apply.   3. In addition to the notice required by subsection 2, every licensee shall conspicuously display a schedule of all fees, charges, and penalties for all services provided by the licensee authorized by this section. The notice shall be posted at the office and every branch office of the licensee.  95 Acts, ch 139, §9; 2006 Acts, ch 1042, §31  Referred to in §533D.10
IA Code § 533D.10 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533D - DELAYED DEPOSIT SERVICES|Section 533D.10 - Prohibited acts by licensee.

533D.10 Prohibited acts by licensee.   1. A licensee shall not do any of the following:   a. Hold from any one maker more than two checks at any one time.   b. Hold from any one maker a check or checks in an aggregate face amount of more than five hundred dollars at any one time.   c. Hold or agree to hold a check for more than thirty-one days.   d. Require the maker to receive payment by a method which causes the maker to pay additional or further fees and charges to the licensee or another person.   e. Repay, refinance, or otherwise consolidate a postdated check transaction with the proceeds of another postdated check transaction made by the same licensee.   f. Receive any other charges or fees in addition to the fees listed in section 533D.9, subsections 1 and 2.   2. For purposes of this section, “licensee” includes a person related to the licensee by common ownership or control, a person in whom the licensee has any financial interest, or any employee or agent of the licensee.  95 Acts, ch 139, §10
IA Code § 533D.12 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533D - DELAYED DEPOSIT SERVICES|Section 533D.12 - Disciplinary action.

533D.12 Disciplinary action.   1. The superintendent may, after notice and hearing pursuant to chapter 17A, take disciplinary action against a licensee if the superintendent finds any of the following:   a. The licensee or any of its officers, directors, shareholders, partners, or members has violated this chapter, any rule adopted by the superintendent, or any other state or federal law applicable to the conduct of its business.   b. The licensee has failed to pay a license fee required under this chapter or to maintain in effect the bond or bonds required under this chapter.   c. A fact or condition existing which, if it had existed at the time of the original application for the license, would have resulted in the denial of issuance of a license.   d. The licensee has abandoned its place of business for a period of sixty days or more.   e. The licensee fails to pay an administrative penalty or the cost of investigation as ordered by the superintendent.   f. The licensee has violated an order of the superintendent.   2. The superintendent may impose one or more of the following disciplinary actions against a licensee:   a. Revoke a license.   b. Suspend a license until further order of the superintendent or for a specified period of time.   c. Impose a period of probation under specified conditions.   d. Impose civil penalties in an amount not to exceed five thousand dollars for each violation.   e. Issue a citation and warning respecting licensee behavior.   f. Order the licensee to pay restitution.   3. The superintendent may order an emergency suspension of a licensee’s license pursuant to section 17A.18A. A written order containing the facts or conduct which warrants the emergency action shall be timely sent to the licensee by restricted certified mail. Upon issuance of the suspension order, the licensee must also be notified of the right to an evidentiary hearing. A suspension proceeding shall be promptly instituted and determined.   4. Except as provided in this section, a license shall not be revoked or suspended except after notice and a hearing thereon in accordance with chapter 17A.   5. A licensee may surrender a license by delivering to the superintendent written notice of surrender, but a surrender does not affect the licensee’s civil or criminal liability for acts committed before the surrender.   6. A revocation, suspension, or surrender of a license does not impair or affect the obligation of a preexisting lawful contract between the licensee and any person, including a debtor.  95 Acts, ch 139, §12; 2008 Acts, ch 1160, §13
IA Code § 533D.13 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533D - DELAYED DEPOSIT SERVICES|Section 533D.13 - Cease and desist order — injunction.

533D.13 Cease and desist order — injunction.   1. If the superintendent believes that any person has engaged in or is about to engage in an act or practice constituting a violation of this chapter or any rule adopted or order issued by the superintendent, the superintendent may issue and serve on the person a cease and desist order. Upon entry of a cease and desist order the superintendent shall promptly notify in writing all persons to whom the order is directed that it has been entered and the reasons for the order. Any person to whom the order is directed may request in writing a hearing within fifteen business days after the date of the issuance of the order. Upon receipt of the written request, the matter shall be set for hearing within fifteen business days of the receipt by the superintendent, unless the person requesting the hearing consents to a later date. If a hearing is not requested within fifteen business days and none is ordered by the superintendent, the order of the superintendent shall automatically become final and remain in effect until modified or vacated by the superintendent. If a hearing is requested or ordered, the superintendent, after notice and hearing, shall issue written findings of fact and conclusions of law and shall affirm, vacate, or modify the order.   2. The superintendent may vacate or modify an order if the superintendent finds that the conditions which caused its entry have changed or that it is otherwise in the public interest to do so. Any person aggrieved by a final order of the superintendent may appeal the order as provided in chapter 17A.   3. If it appears that a person has engaged in or is engaging in an act or practice in violation of this chapter, the attorney general may initiate an action in the district court to enjoin such acts or practices and to enforce compliance with this chapter. Upon a showing of a violation of this chapter, a permanent or temporary injunction, restraining order, or writ of mandamus shall be granted or a receiver or conservator may be appointed to oversee the person’s assets. The attorney general shall not be required to post a bond.  95 Acts, ch 139, §13; 2018 Acts, ch 1041, §127
IA Code § 533D.14 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533D - DELAYED DEPOSIT SERVICES|Section 533D.14 - Administrative penalty.

533D.14 Administrative penalty.   1. If the superintendent finds, after notice and hearing as provided in this chapter, that a person has violated this chapter, a rule adopted pursuant to this chapter, or an order of the superintendent, the superintendent may order the person to pay an administrative fine of not more than five thousand dollars for each violation, in addition to the costs of investigation.   2. If a person fails to pay an administrative fine and the costs of investigation ordered pursuant to subsection 1, a lien in the amount of the fine and costs may be imposed upon all assets and property of the person in this state and may be recovered in a civil action by the superintendent. Failure of the person to pay the fine and costs constitutes a separate violation of this chapter.  95 Acts, ch 139, §14
IA Code § 533D.15 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533D - DELAYED DEPOSIT SERVICES|Section 533D.15 - Criminal violation — operation of business without license — injunction.

533D.15 Criminal violation — operation of business without license — injunction.   A person required to be licensed under this chapter who operates a delayed deposit services business in this state without first obtaining a license under this chapter or while such license is suspended or revoked by the superintendent is guilty of a serious misdemeanor. In addition to the criminal penalty provided for in this section, the superintendent may also commence an action to enjoin the operation of the business.  95 Acts, ch 139, §15
IA Code § 533D.16 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533D - DELAYED DEPOSIT SERVICES|Section 533D.16 - Applicability.

533D.16 Applicability.   This chapter does not apply to a bank incorporated under the provisions of any state or federal law, a savings and loan association incorporated under the provisions of any state or federal law, a credit union organized under the provisions of any state or federal law, a corporation licensed as an industrial loan company under chapter 536A, or an affiliate of a bank, savings and loan association, credit union, or industrial loan company.  95 Acts, ch 139, §16
IA Code § 535.1 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 535 - MONEY AND INTEREST|Section 535.1 - Denominations of money.

535.1 Denominations of money.   The money of account of this state is the dollar, cent, and mill, and all public accounts, and the proceedings of all courts in relation to money, shall be kept and expressed in the above denominations. Demands expressed in money of another denomination shall not be affected by the provisions of this section, but in any action or proceeding based thereon it shall be reduced to and computed by the denominations given.  [C51, §943, 944; R60, §1785, 1786; C73, §2075, 2076; C97, §3037; C24, 27, 31, 35, 39, §9403; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, S79, C81, §535.1]