reglab/housing_qa huggingface dataset:
MA Gen L ch 255b § 19 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255b - Retail Instalment Sales of Motor Vehicles|Section 19 - Statement of Payments; Forwarding to Buyer; Receipts for Payments

Section 19. Upon written request from the buyer, the holder of a retail instalment contract shall give or forward to the buyer a written statement of the dates and amounts of payments and the total amount unpaid under such contract. The buyer shall be entitled to only one such statement in any six-month period free of charge. The holder shall be entitled to the sum of fifty cents for each additional written statement requested by the buyer before supplying such additional written statement. A buyer shall be given a written receipt for each cash payment.
MA Gen L ch 255b § 19a (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255b - Retail Instalment Sales of Motor Vehicles|Section 19a - Holder of Retail Installment Contract Subject to Buyer's Defenses Against Seller

Section 19A. The holder of a retail installment contract or other person acting in his behalf, shall be subject to all defenses, real and personal, which the retail buyer may have against the retail seller thereof.
MA Gen L ch 255b § 20 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255b - Retail Instalment Sales of Motor Vehicles|Section 20 - Non-Enforceability of Certain Provision of Contract

Section 20. A provision in a retail instalment contract (1) for confession of judgment, power of attorney therefor, or wage assignment; (2) for the subsequent inclusion of title to or a lien upon any goods, other than the motor vehicle which is the subject matter of the retail instalment sale or accessories therefor or special or auxiliary equipment used in connection therewith, or in substitution, in whole or in part, for any such accessory or special or auxiliary equipment, as security for payment of the deferred payment price; (3) whereby, in the absence of the buyer's default, the holder may accelerate the maturity of any part or all of the total of payments; (4) whereby a seller or holder of the contract, or other person acting on his behalf, is authorized to enter the buyer's premises unlawfully, or to commit any breach of the peace in the repossession of a motor vehicle; (5) whereby the buyer waives any right of action against the seller or holder of the contract, or other person acting on his behalf, for any illegal act committed in the collection of payments under the contract or in the repossession of the motor vehicle; (6) whereby the buyer executes a power of attorney appointing the seller or holder of the contract, or other person acting on his behalf, as the buyer's agent in the collection of payments under the contract or in the repossession of the motor vehicle; or (7) whereby the seller is relieved from liability for any legal remedies which the buyer may have had against the seller under the contract, or any separate instrument executed in connection therewith, shall not be enforceable.
MA Gen L ch 255b § 20c (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255b - Retail Instalment Sales of Motor Vehicles|Section 20c - Repossession of Motor Vehicle; Notice to Police

Section 20C. Any creditor obtaining possession of a motor vehicle under the provisions of this chapter shall, within one hour after obtaining such possession, notify the police department of the city or town in which such possession occurred, giving such police department a description of the vehicle involved.
MA Gen L ch 255b § 21 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255b - Retail Instalment Sales of Motor Vehicles|Section 21 - Penalties

Section 21. Whoever violates any provision of this chapter or any rule or regulation made thereunder by the commissioner shall be punished by a fine of not more than five hundred dollars or by imprisonment for not more than six months, or both.
MA Gen L ch 255b § 22 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255b - Retail Instalment Sales of Motor Vehicles|Section 22 - Violation of Secs. 9 to 14 or Secs. 18 to 20; Effect

Section 22. A violation of sections nine to fourteen, inclusive, or eighteen to twenty, inclusive, by any person shall bar his recovery of any finance charge, delinquency or collection charge or refinancing charge on the retail instalment contract involved.
MA Gen L ch 255b § 23 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255b - Retail Instalment Sales of Motor Vehicles|Section 23 - Waiver of Provisions of This Chapter; Effect

Section 23. Any waiver of the provisions of this chapter shall be unenforceable and void.
MA Gen L ch 255b § 24 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255b - Retail Instalment Sales of Motor Vehicles|Section 24 - Severability of Law

Section 24. If any provision of this chapter or the application thereof to any person or circumstance is held unconstitutional, the remainder of the section and the application of such provision to other persons or circumstances shall not be affected thereby.
MA Gen L ch 255b § 25 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255b - Retail Instalment Sales of Motor Vehicles|Section 25 - Truth-in-Lending Act; Application

Section 25. A transaction subject to the provisions of this chapter shall also be subject to the provisions of chapter one hundred and forty D and in the event of a conflict between the provisions of this chapter and said chapter one hundred and forty D, the provisions of said chapter one hundred and forty D shall control.
MA Gen L ch 255c § 1 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255c - Insurance Premium Finance Agencies|Section 1 - Definitions

Section 1. In this chapter unless the context otherwise requires, the following words shall have the following meanings:  1. ''Insurance agent'' and ''insurance broker'', respectively, an insurance agent or insurance broker duly licensed as such under chapter one hundred and seventy-five.  2. ''Person'', an individual, corporation, business trust, estate, trust, partnership or association, two or more persons having a joint or common interest, or any other legal or commercial entity, except an insurance company authorized or approved to do business within the commonwealth.  3. ''Premium finance agency'', a person engaged, in whole or in part, in the business of acquiring premium finance agreements from insurance agents or brokers or other premium finance agencies, and an insurance agent or broker who is licensed as a premium finance agency and who holds premium finance agreements made and delivered by insureds to him or his order and any property and casualty insurance agent or broker, who provides premium financing only to his own customers for purposes of financing the payment of premiums on contracts of insurance, which contracts of insurance are exclusively limited to commercial policies.  4. ''Premium finance agreement'', a promissory note or other written agreement by which an insured promises or agrees to pay to, or to the order of, an insurance agent or broker the amount advanced or to be advanced under the agreement to an authorized insurer or to an insurance agent or broker in payment of premiums on an insurance contract, together with a charge as authorized and limited by law. If the premium finance agreement is payable to, or to the order of, an insurance agent or broker not licensed as a premium finance agency, payments under the agreement must be payable at the office of a premium finance agency.  5. ''Commissioner'', the commissioner of banks.
MA Gen L ch 255c § 2 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255c - Insurance Premium Finance Agencies|Section 2 - Necessity of License

Section 2. No person, except a credit union, a bank as defined in section 1 of chapter 167, a national banking association, or a federal savings and loan association, a federal savings bank, a sales finance company as defined in section 1 of chapter 255B, and a company licensed to carry on the business of making small loans, shall engage in the business of a premium finance agency unless licensed by the commissioner, as provided in section 3; provided, however, that no property and casualty insurance agent or broker, including an insurance agent or insurance broker conducting an insurance premium financing agency business under a subsidiary or different company name, who provides premium financing only to his own customers for purposes of financing payment of premiums on contracts of insurance, which contracts of insurance are exclusively limited to commercial insurance policies, shall be required to be licensed pursuant to this section or any other section of this chapter. Such license shall allow the holder to maintain only one office from which said business may be conducted, but more than one license may be issued to any person. Any change of location of an office of a licensee shall require the prior approval of the commissioner. Such request for relocation shall be in writing setting forth the reason or reasons for the request, and shall be accompanied by an investigation fee to be determined annually by the secretary of administration and finance under section 3B of chapter 7. If an applicant has more than one office, he may obtain a license for each office from which he intends to conduct said business.
MA Gen L ch 255c § 4 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255c - Insurance Premium Finance Agencies|Section 4 - Name and Address of Licensee; Posting of License; Change of Location

Section 4. Such license shall state the name and address of the licensee. Such license shall be conspicuously posted in the specified office of the licensee and shall not be transferable, except as hereinafter provided, or assignable. Before any licensee changes such office from one location to another he shall give written notice thereof to the commissioner who, if he approves said change, shall issue without charge an endorsement indicating the change and the date thereof, which endorsement shall be attached to the license for such office and shall constitute the authority for the operation of the business under such license at such new location.
MA Gen L ch 255c § 5 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255c - Insurance Premium Finance Agencies|Section 5 - Revocation or Suspension of License; Grounds; Surrender of License; Effect

Section 5. The commissioner may forthwith revoke or suspend any license issued under this chapter if he finds after a hearing that:  (a) the licensee has violated any provision of this chapter or any rule or regulation lawfully made thereunder by the commissioner;  (b) the existence of any fact or condition which, if it had existed at the time of the original application for such license, clearly would have warranted the commissioner in refusing to issue such license.  The commissioner may revoke or suspend only the particular license with respect to which grounds for revocation or suspension may occur or exist, or, if he shall find that such grounds for revocation or suspension are of general application to all offices, or to more than one office, operated by such licensee, he shall revoke or suspend all of the licenses issued to such licensee or such number of licenses as such grounds apply to, as the case may be.  The commissioner shall have sufficient cause to suspend or revoke a license whenever he learns from the commissioner of insurance or from any other source that the licensee has failed to return the full amount of a return premium to the person whose insurance policy has been cancelled or to his assignee, as required by section one hundred and seventy-six A of chapter one hundred and seventy-five.  Any licensee may surrender any license by delivering to the commissioner written notice that he thereby surrenders such license, but such surrender shall not affect the licensee's civil or criminal liability for acts committed prior to such surrender.  A revocation or suspension or surrender of any license shall not impair or affect the obligation of an insured under any lawful premium finance agreement previously acquired or held by the licensee.  Whenever the commissioner revokes or suspends a license, he shall forthwith execute in duplicate a written order to that effect, and shall file one copy of such order in the office of the secretary of state and mail one copy to the licensee. A suspension or revocation of a license shall not be subject to the provisions of chapter thirty A.  After revocation or surrender of a license an applicant may reapply for a license in the same manner as for an original license, as provided in section three.
MA Gen L ch 255c § 8 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255c - Insurance Premium Finance Agencies|Section 8 - Witnesses; Summoning; Examination; Fees

Section 8. In conducting any hearing or investigation pursuant to the provisions of this chapter, the commissioner, or any person duly designated by him, shall have the power at all times to subpoena witnesses; to take depositions of witnesses residing without the state, in the manner provided for in civil actions in courts of record; to pay such witnesses the fees and mileage for their attendance provided for witnesses in civil actions in courts of record; and to administer oaths.
MA Gen L ch 255c § 9 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255c - Insurance Premium Finance Agencies|Section 9 - Penalties

Section 9. Whoever violates any provision of this chapter, or knowingly makes any incorrect statement of a material fact in any application, report or statement filed pursuant to this chapter, or knowingly omits to state any material fact necessary to give the commissioner any information lawfully required by him or refuses to permit any lawful investigation or examination, shall be punished by a fine of not more than five hundred dollars or by imprisonment for not more than six months, or both.  A premium finance agency's taking or receiving from or charging an insured a greater charge than authorized in this chapter shall not invalidate the premium finance agreement or the principal balance payable thereunder but may be adjudged a forfeiture of all charges which the premium finance agreement carries with it or which have been agreed to be paid thereon, and if a greater charge has been paid by an insured, the person paying the same or his legal representative may recover from the premium finance agency twice the entire amount of the charges thus paid if action is brought within two years from the time of such payment.
MA Gen L ch 255c § 11 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255c - Insurance Premium Finance Agencies|Section 11 - License Fees of Agents or Brokers; Basis; Application; Subsidiaries

Section 11. The fee for an insurance agent or an insurance broker in his application for a license under section three shall be determined annually by the commissioner of administration under the provision of section three B of chapter seven and shall be based upon the aggregate unpaid balance of all premium finance agreements executed or purchased by the agent or broker during the forthcoming year.  Each application for a license hereunder shall be in writing and in the form prescribed by the commissioner, and shall be accompanied by an investigation fee to be determined annually by the commissioner of administration under the provision of section three B of chapter seven, said amount to be credited to the license fee if a license is granted.  If an insurance agent or an insurance broker conducts an insurance premium finance agency business under a subsidiary or different company name, it shall be considered that said business is subject to the license fee provisions of section three.
MA Gen L ch 255c § 12 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255c - Insurance Premium Finance Agencies|Section 12 - Rebates; Prohibition; Effect of Filing of Premium Finance Agreement

Section 12. No premium finance agency, and no employee of such an agency shall pay, allow or offer to pay or allow in any manner whatsoever to an insurance agent or broker or any employee of an insurance agent or broker, or to any other person, any rebate whatsoever, either from the charge for financing specified in the premium finance agreement or otherwise, or shall give or offer to give any valuable consideration or inducement of any kind directly or indirectly, other than an article of merchandise not exceeding one dollar in value which shall have thereon the advertisement of the premium finance agency; and  A filing of a premium finance agreement shall not be necessary to perfect the validity of such an agreement as a secured transaction as against creditors, subsequent purchasers, pledgees, incumbrancers, successors or assigns of the insured.
MA Gen L ch 255c § 13 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255c - Insurance Premium Finance Agencies|Section 13 - Form of Agreement

Section 13. A premium finance agreement shall be in writing on a form approved by the commissioner and shall comply with the provisions of this chapter.
MA Gen L ch 255c § 14 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255c - Insurance Premium Finance Agencies|Section 14 - Excessive Charges

Section 14. A premium finance agency shall not, except as otherwise provided by law, take or receive from an insured greater charges than are provided by section one hundred and sixty-two B of chapter one hundred and seventy-five, and the regulations issued thereunder, which charges shall commence as of the date from which the insurance company requires payment of the premium and payment was made to the insurance company for the financed policy, or the effective date of the policy, whichever is earlier.
MA Gen L ch 255c § 15 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255c - Insurance Premium Finance Agencies|Section 15 - Delinquency, Collection and Cancellation Charges

Section 15. A premium finance agreement may provide for the payment by the insured of a delinquency, collection and cancellation charge as provided in section one hundred and sixty-two B of chapter one hundred and seventy-five, and the regulations issued thereunder, and for the assessment and collection of a charge, not to exceed ten dollars, for any check, draft or order for the payment of money submitted in accordance with said agreement which is returned unpaid or not honored by a bank or other depository.
MA Gen L ch 255c § 16 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255c - Insurance Premium Finance Agencies|Section 16 - Prohibited Provisions in Agreements

Section 16. No premium finance agreement shall contain any provision whereby  (a) in the absence of default of the insured, the premium finance agency holding the agreement may, arbitrarily and without reasonable cause, accelerate the maturity of any part or all of the amount owing thereunder;  (b) a power of attorney is given to confess judgment in this commonwealth; or  (c) the insured relieves the insurance agent or broker or the premium finance agency holding the agreement from liability for any legal rights or remedies which the insured may otherwise have against him.
MA Gen L ch 255c § 17 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255c - Insurance Premium Finance Agencies|Section 17 - Payment in Absence of Notice of Assignment

Section 17. Unless the insured has notice of actual or intended assignment of a premium finance agreement, payment thereunder by him to the last known holder of the agreement shall be binding upon all subsequent holders or assignees.
MA Gen L ch 255c § 18 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255c - Insurance Premium Finance Agencies|Section 18 - Statement of Payments and Unpaid Amounts; Full Payment by Insured

Section 18. At any time after its execution, but not later than one year after the last payment thereunder, a premium finance agency holding a premium finance agreement shall, upon written request of the insured, give or mail to him a written statement of the dates and amounts of payments and the total amount, if any, unpaid thereunder. Such a statement shall be supplied once each year without charge; if any additional statement is requested the premium finance agency shall supply such statement at a charge not exceeding one dollar for each additional statement so supplied. An insured shall be given a receipt for a payment when made in cash.  After the payment of all sums for which an insured is obligated under a premium finance agreement the premium finance agency holding the agreement shall deliver, or mail to the insured at his last known address such one or more good and sufficient instruments as may be necessary to acknowledge payment in full and to release all interests in or rights to the insurance contracts, the premiums for which are advanced or are to be advanced under the agreement.