reglab/housing_qa huggingface dataset:
NV Rev Stat § 604A.5067 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.5067 - Written loan agreement required; contents.

  1. Before making a title loan to a customer, a licensee who operates a title loan service shall provide to the customer a written loan agreement which may be kept by the customer and which must be written in:  (a) English, if the transaction is conducted in English; or  (b) Spanish, if the transaction is conducted in Spanish.  2. The loan agreement for a title loan must include, without limitation, the following information:  (a) The name and address of the licensee and the customer;  (b) The nature of the security for the title loan, if any;  (c) The date and amount of the title loan, amount financed, annual percentage rate, finance charge, total of payments, payment schedule and a description and the amount of every fee charged, regardless of the name given to the fee and regardless of whether the fee is required to be included in the finance charge under the Truth in Lending Act and Regulation Z;  (d) A disclosure of the right of the customer to rescind a title loan pursuant to the provisions of this chapter;  (e) A disclosure of the right of the customer to pay his or her title loan in full or in part with no additional charge pursuant to the provisions of this chapter;  (f) A disclosure stating that, if the customer defaults on the title loan, the licensee must offer a repayment plan to the customer before the licensee commences any civil action or process of alternative dispute resolution or, if appropriate for the loan, before the licensee repossesses a vehicle; and  (g) Any other disclosures required under the Truth in Lending Act and Regulation Z or under any other applicable federal or state statute or regulation.  (Added to NRS by 2005, 1689; A 2007, 935) — (Substituted in revision for part of NRS 604A.410)
NV Rev Stat § 604A.5068 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.5068 - Requirements for collection of defaulted loan; civil action to collect debt; venue.

  1. If a customer defaults on a title loan, the licensee who operates a title loan service may collect the debt owed to the licensee only in a professional, fair and lawful manner. When collecting such a debt, the licensee must act in accordance with and must not violate sections 803 to 812, inclusive, of the federal Fair Debt Collection Practices Act, as amended, 15 U.S.C. §§ 1692a to 1692j, inclusive, even if the licensee is not otherwise subject to the provisions of that Act.  2. If a licensee who operates a title loan service commences a civil action against a customer to collect a debt, the court may award:  (a) Court costs;  (b) Costs of service of process, except that the costs must not exceed the amount of the fees charged by the sheriff or constable for service of process in the county where the action was brought or, if the customer was not served in that county, in the county where the customer was served; and  (c) Reasonable attorney’s fees. In determining the amount of the attorney’s fees and whether they are reasonable, the court shall consider the complexity of the case, the amount of the debt and whether the licensee could have used less costly means to collect the debt.  3. Notwithstanding any provision of NRS 66.010 to the contrary, if:  (a) A licensee who operates a title loan service intends to commence a civil action in a Justice Court against a customer to collect a debt; and  (b) The customer resides in the county where the title loan was made,  the licensee is required to commence the civil action in the Justice Court for the township where the title loan was made unless, after the date of default and before the licensee commences the civil action, the customer signs an affidavit agreeing to try the action in another Justice Court having jurisdiction over the subject matter and the parties. A licensee who operates a title loan service shall not, directly or indirectly, require, intimidate, threaten or coerce a customer to sign such an affidavit.  (Added to NRS by 2005, 1689) — (Substituted in revision for part of NRS 604A.415)
NV Rev Stat § 604A.507 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.507 - Practices regarding customers who are members of military.

Notwithstanding any other provision of law:  1. If a customer who receives or attempts to receive title loan services is a member of the military, a licensee who operates a title loan service shall:  (a) Honor the terms of any repayment plan between the licensee and customer, including, without limitation, any repayment plan negotiated through military counselors or third-party credit counselors.  (b) Honor any proclamation by a base commander that a certain branch location of the licensee is off-limits to members of the military and their spouses.  2. If a customer who receives or attempts to receive title loan services is a member of the military, a licensee who operates a title loan service shall not:  (a) Garnish or threaten to garnish any wages or salary of the customer or the customer’s spouse; or  (b) Contact or threaten to contact the military chain of command of a customer in an effort to collect the title loan.  3. If a customer who receives or attempts to receive title loan services is a member of the military and is deployed to a combat or combat supporting position, a licensee who operates a title loan service shall not engage in any collection activity against the customer or the customer’s spouse.  4. As used in this section, "military" means the Armed Forces of the United States, a reserve component thereof or the National Guard.  (Added to NRS by 2005, 1690; A 2007, 935, 2847) — (Substituted in revision for part of NRS 604A.420)
NV Rev Stat § 604A.50705 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.50705 - Provision of information and materials concerning public assistance and services.

A person who operates a title loan service may, in consultation with the Department of Health and Human Services, distribute in a location at which the person conducts business under his or her license information and materials provided by the Department concerning public assistance and services provided by an agency or political subdivision of this State or the United States, including, without limitation, programs for debt reduction or relief, Medicaid, Supplemental Nutrition Assistance and Temporary Assistance for Needy Families.  (Added to NRS by 2019, 943)
NV Rev Stat § 604A.5071 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.5071 - Prohibited acts by licensee: Accepting certain collateral or other types of security; failing to make certain disclosures; taking incomplete instruments; requiring the purchase of insurance or other goods or services; failing to comply with payment plan; charging fee to cash certain checks.

A licensee who operates a title loan service shall not:  1. Accept:  (a) Collateral as security for a title loan, except that a title to a vehicle may be accepted as security for a title loan.  (b) An assignment of wages, salary, commissions or other compensation for services, whether earned or to be earned, as security for a title loan.  (c) A check as security for a title loan.  2. Take any note or promise to pay which does not disclose the date and amount of the title loan, amount financed, annual percentage rate, finance charge, total of payments, payment schedule and a description and the amount of every fee charged, regardless of the name given to the fee and regardless of whether the fee is required to be included in the finance charge under the Truth in Lending Act and Regulation Z.  3. Take any instrument, including a check or written authorization for an electronic transfer of money, in which blanks are left to be filled in after the title loan is made.  4. Make any transaction contingent on the purchase of insurance or any other goods or services or sell any insurance to the customer with the title loan.  5. Fail to comply with a payment plan which is negotiated and agreed to by the licensee and customer.  6. Charge any fee to cash a check representing the proceeds of a title loan made by the licensee or any agent, affiliate or subsidiary of the licensee.  (Added to NRS by 2005, 1691; A 2007, 936) — (Substituted in revision for part of NRS 604A.435)
NV Rev Stat § 604A.5072 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.5072 - Prohibited acts by licensee: Improper lending and collection practices; deceptive trade practices; false, misleading and deceptive advertising; reinitiating certain transactions; using agent, affiliate or subsidiary to avoid requirements or prohibitions of chapter.

A licensee who operates a title loan service shall not:  1. Use or threaten to use the criminal process in this State or any other state, or any civil process not available to creditors generally, to collect on a title loan made to a customer.  2. Commence a civil action or any process of alternative dispute resolution or repossess a vehicle before the customer defaults under the original term of a loan agreement or before the customer defaults under any repayment plan or extension negotiated and agreed to by the licensee and customer, unless otherwise authorized pursuant to this chapter.  3. Take any confession of judgment or any power of attorney running to the licensee or to any third person to confess judgment or to appear for the customer in a judicial proceeding.  4. Include in any written agreement:  (a) A promise by the customer to hold the licensee harmless;  (b) A confession of judgment by the customer;  (c) An assignment or order for the payment of wages or other compensation due the customer; or   (d) A waiver of any claim or defense arising out of the loan agreement or a waiver of any provision of this chapter. The provisions of this paragraph do not apply to the extent preempted by federal law.  5. Engage in any deceptive trade practice, as defined in chapter 598 of NRS, including, without limitation, making a false representation.  6. Advertise or permit to be advertised in any manner any false, misleading or deceptive statement or representation with regard to the rates, terms or conditions for title loans.  7. Reinitiate an electronic debit transaction that has been returned by a customer’s bank except in accordance with the rules prescribed by the National Automated Clearing House Association or its successor organization.  8. Use or attempt to use any agent, affiliate or subsidiary to avoid the requirements or prohibitions of this chapter.  (Added to NRS by 2005, 1691; A 2017, 1441) — (Substituted in revision for part of NRS 604A.440)
NV Rev Stat § 604A.5074 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.5074 - Restrictions on duration of loan and periods of extension.

Notwithstanding any other provision of this chapter to the contrary:  1. The original term of a title loan must not exceed 30 days.  2. The title loan may be extended for not more than six additional periods of extension, with each such period not to exceed 30 days, if:  (a) Any interest or charges accrued during the original term of the title loan or any period of extension of the title loan are not capitalized or added to the principal amount of the title loan during any subsequent period of extension;  (b) The annual percentage rate charged on the title loan during any period of extension is not more than the annual percentage rate charged on the title loan during the original term; and  (c) No additional origination fees, set-up fees, collection fees, transaction fees, negotiation fees, handling fees, processing fees, late fees, default fees or any other fees, regardless of the name given to the fees, are charged in connection with any extension of the title loan.  3. The original term of a title loan may be up to 210 days if:  (a) The loan provides for payments in installments;  (b) The payments are calculated to ratably and fully amortize the entire amount of principal and interest payable on the loan;  (c) The loan is not subject to any extension;  (d) The loan does not require a balloon payment of any kind; and  (e) The loan is not a deferred deposit loan.  (Added to NRS by 2005, 1692; A 2007, 937; 2017, 1441) — (Substituted in revision for NRS 604A.445)
NV Rev Stat § 604A.5076 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.5076 - Prohibited acts by licensee regarding amount of loan, ownership of vehicle and customer’s ability to repay loan.

A licensee who makes title loans shall not:  1. Make a title loan that exceeds the fair market value of the vehicle securing the title loan.  2. Make a title loan to a customer secured by a vehicle which is not legally owned by the customer.  3. Make a title loan without determining that the customer has the ability to repay the title loan, as required by NRS 604A.5065. In complying with this subsection, the licensee shall not consider the income of any person who is not a legal owner of the vehicle securing the title loan but may consider a customer’s community property and the income of any other customers who consent to the loan pursuant to subsection 5 and enter into a loan agreement with the licensee.  4. Make a title loan without requiring the customer to sign an affidavit which states that:  (a) The customer has provided the licensee with true and correct information concerning the customer’s income, obligations, employment and ownership of the vehicle; and  (b) The customer has the ability to repay the title loan.  5. Make a title loan secured by a vehicle with multiple legal owners without the consent of each owner.  (Added to NRS by 2005, 1692; A 2017, 1442) — (Substituted in revision for NRS 604A.450)
NV Rev Stat § 604A.5078 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.5078 - Applicability of Uniform Commercial Code; repossession of vehicle; civil action.

  1. Except where in conflict with the provisions of this section, the provisions of chapter 104 of NRS apply to any title loan between a licensee who operates a title loan service and a customer.  2. Except as otherwise provided in this section, if a customer defaults on a title loan, or on any extension or repayment plan relating to the title loan, the sole remedy of the licensee who made the title loan is to seek repossession and sale of the vehicle which the customer used to secure the title loan. The licensee who made the title loan may not pursue the customer personally for:  (a) Payment of the loan, unless the licensee proves the customer prevented the repossession and sale of the vehicle by any means, including, without limitation, hiding the vehicle; or  (b) Any deficiency after repossession and sale of the vehicle which the customer used to secure the title loan, unless the licensee proves the customer damaged or otherwise committed or permitted waste on the vehicle. For the purposes of this paragraph, it shall not be deemed waste for the customer to continue to use the vehicle in the same manner it was used before the customer entered into the title loan.  3. If a vehicle is repossessed pursuant to this section:  (a) By the licensee or his or her employees, the licensee shall make reasonably available to the customer any personal property in or upon the vehicle; or  (b) By a third party acting on behalf of the licensee, the licensee shall instruct the third party to make reasonably available to the customer any personal property in or upon the vehicle.  4. If a customer uses fraud to secure a title loan or if the customer wrongfully transfers any interest in the vehicle to a third party before the title loan is repaid, the licensee who made the title loan may bring a civil action against the customer for any or all of the following relief:  (a) The amount of the loan obligation, including, without limitation, the aggregate amount of the interest, charges and fees negotiated and agreed to by the licensee and customer as permitted under this chapter, less any prior payments made by the customer;  (b) Reasonable attorney’s fees and costs; and  (c) Any other legal or equitable relief that the court deems appropriate.  5. As used in this section, "fraud" means an intentional misrepresentation, deception or concealment of a material fact known to the customer with the intent to deprive the licensee of his or her rights or property or to otherwise injure the licensee. The term includes, without limitation, giving to a licensee as security for a title loan the title to a vehicle which does not belong to the customer.  (Added to NRS by 2005, 1692) — (Substituted in revision for NRS 604A.455)
NV Rev Stat § 604A.5079 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.5079 - Rescission of loan by customer.

  1. A customer may rescind a title loan on or before the close of business on the next day of business at the location where the title loan was initiated. To rescind the title loan, the customer must deliver to the licensee:  (a) A sum of money equal to the face value of the title loan, less any fee charged to the customer to initiate the title loan; or  (b) The original check, if any, which the licensee gave to the customer pursuant to the title loan. Upon receipt of the original check, the licensee shall refund any fee charged to the customer to initiate the title loan.  2. If a customer rescinds a title loan pursuant to this section, the licensee:  (a) Shall not charge the customer any fee for rescinding the title loan; and  (b) Upon receipt of the sum of money or check pursuant to subsection 1, shall give to the customer a receipt showing the account paid in full and the title to the vehicle given by the customer to the licensee to initiate the title loan.  (Added to NRS by 2005, 1693; A 2007, 937) — (Substituted in revision for part of NRS 604A.460)
NV Rev Stat § 604A.508 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.508 - Payment of loan in full.

  1. A customer may pay a title loan, or any extension thereof, in full at any time, without an additional charge or fee, before the date the customer’s final payment on the title loan, or any extension thereof, is due.  2. If a customer pays the title loan in full, including all interest, charges and fees negotiated and agreed to by the licensee and customer as permitted under this chapter, the licensee shall give to the customer:  (a) The title to the vehicle given by the customer to the licensee to initiate the title loan; and  (b) A receipt with the following information:  (1) The name and address of the licensee;  (2) The identification number assigned to the loan agreement or other information that identifies the title loan;  (3) The date of the payment;  (4) The amount paid;  (5) An itemization of interest, charges and fees;  (6) A statement that the title loan is paid in full; and  (7) If more than one loan made by the licensee to the customer was outstanding at the time the payment was made, a statement indicating to which loan the payment was applied.  (Added to NRS by 2005, 1693; A 2007, 938) — (Substituted in revision for part of NRS 604A.465)
NV Rev Stat § 604A.5081 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.5081 - Partial payment on loan.

  1. A customer may make a partial payment on a title loan, or any extension thereof, at any time without an additional charge or fee.  2. If a customer makes such a partial payment, the licensee shall give to the customer a receipt with the following information:  (a) The name and address of the licensee;  (b) The identification number assigned to the loan agreement or other information that identifies the title loan;  (c) The date of the payment;  (d) The amount paid;  (e) An itemization of interest, charges and fees;  (f) The balance due on the title loan; and  (g) If more than one loan made by the licensee to the customer was outstanding at the time the payment was made, a statement indicating to which loan the payment was applied.  (Added to NRS by 2005, 1694) — (Substituted in revision for part of NRS 604A.470)
NV Rev Stat § 604A.5085 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.5085 - Limitations on amounts licensee may collect after default.

  1. If a customer defaults on a title loan or on any extension or repayment plan relating to the title loan, whichever is later, the licensee may collect only the following amounts from the customer, less all payments made before and after default:  (a) The unpaid principal amount of the title loan.  (b) The unpaid interest, if any, accrued before the default at the annual percentage rate set forth in the disclosure statement required by the Truth in Lending Act and Regulation Z that is provided to the customer. If there is an extension, in writing and signed by the customer, relating to the title loan, the licensee may charge and collect interest pursuant to this paragraph for a period not to exceed 60 days after the expiration of the initial loan period.  (c) The interest accrued after the expiration of the initial loan period or after any extension or repayment plan that is allowed pursuant to this chapter, whichever is later, at an annual percentage rate not to exceed the prime rate at the largest bank in Nevada, as ascertained by the Commissioner, on January 1 or July 1, as the case may be, immediately preceding the expiration of the initial loan period, plus 10 percent. The licensee may charge and collect interest pursuant to this paragraph for a period not to exceed 90 days. After that period, the licensee shall not charge or collect any interest on the title loan.  (d) Any fees allowed pursuant to NRS 604A.5086 for a check that is not paid upon presentment or an electronic transfer of money that fails because the account of the customer contains insufficient funds or has been closed.  The sum of all amounts collected pursuant to paragraphs (b), (c) and (d) must not exceed the principal amount of the title loan.  2. Except for the interest and fees permitted pursuant to subsection 1 and any other charges expressly permitted pursuant to NRS 604A.5074 and 604A.5083, the licensee shall not charge any other amount to a customer who receives a title loan, including, without limitation, any amount or charge payable directly or indirectly by the customer and imposed directly or indirectly by the licensee as an incident to or as a condition of the extension of the period for the payment of the title loan or the extension of credit. Such prohibited amounts include, without limitation:  (a) Any interest, other than the interest charged pursuant to subsection 1, regardless of the name given to the interest; or  (b) Any origination fees, set-up fees, collection fees, transaction fees, negotiation fees, handling fees, processing fees, late fees, default fees or any other fees, regardless of the name given to the fee.  (Added to NRS by 2005, 1697; A 2007, 941; 2013, 1517) — (Substituted in revision for part of NRS 604A.485)