reglab/housing_qa huggingface dataset:
NV Rev Stat § 673.318 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.318 - Appraisal or evaluation of real estate at time of acquisition.

Every savings bank shall appraise or evaluate each parcel of real estate at the time of acquisition thereof, except where such appraisal or evaluation is not required under federal law.  (Added to NRS by 1959, 540; A 1961, 770; 1963, 468; 1965, 1139; 1983, 1786; 1987, 1970; 2003, 3233; 2017, 1940)
NV Rev Stat § 673.324 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.324 - Permissible loans.

  1. A savings bank may make any loan which:  (a) Is secured by real property;  (b) Is secured by personal property, including, without limitation, stock or other securities;  (c) Results from a credit card issued by the savings bank;  (d) Is unsecured;  (e) Is made to the United States, its agencies or any governmental agency of the State of Nevada; or  (f) Is made at the discretion of the directors of the savings bank if the loan will not impair the insurability of the accounts of the savings bank by the Federal Deposit Insurance Corporation.  2. Additional loans or advances on the same property, without intervening liens, shall be deemed to be first liens for the purpose of this chapter.  (Added to NRS by 1957, 759; A 1969, 975; 1977, 496; 1983, 657; 1993, 2812; 2017, 1940)
NV Rev Stat § 673.3244 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.3244 - Loans to directors, officers, shareholders or company owned or controlled by savings bank.

 No savings bank may make any loan to a director, officer or principal shareholder of the savings bank or any company owned or controlled by the savings bank if such a loan would be prohibited for a bank that is subject to 12 C.F.R. Part 215, commonly known as Regulation O.  (Added to NRS by 1967, 1022; A 1983, 658, 1787; 1987, 1971; 2017, 1940)
NV Rev Stat § 673.3255 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.3255 - Loans to finance interest in cooperative housing corporation; first security interests.

  1. A savings bank may make or invest in a loan to finance a borrower’s interest in or to refinance his or her existing interest in a cooperative housing corporation if the loan is secured by:  (a) A first security interest in stock or a certificate of membership in the cooperative housing corporation; and  (b) An assignment of or lien on the borrower’s interest in the lease or other right of tenancy to a dwelling unit of the cooperative housing corporation.  2. A first security interest may exist even though a mortgage or deed of trust encumbers the property owned by the cooperative housing corporation if the stock or certificate of membership in the corporation and the borrower’s lease or other right of tenancy are not encumbered with a prior security interest. For purposes of this chapter, additional loans or advances on the same interest in a cooperative housing corporation, without intervening liens, shall be deemed to be first security interests. For purposes of this chapter, the interest in a cooperative housing corporation which is encumbered by a security interest shall be deemed to be real property and security interest shall be deemed to be a mortgage on real property.  (Added to NRS by 1983, 660; A 2017, 1941)
NV Rev Stat § 673.3271 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.3271 - Loans to one borrower.

A savings bank shall not make at one time loans to any one borrower, or under any one transaction, or applicable to any one project, or tract, if the savings bank would be prohibited from making such a loan under federal law applicable to federal savings banks pursuant to 12 C.F.R. § 32.3.  (Added to NRS by 1967, 1023; A 1969, 976; 1977, 511; 1983, 659, 1788; 1987, 1972; 2017, 1942)
NV Rev Stat § 673.3272 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.3272 - Payment of charges by savings bank for protection of its investments; required advance monthly payments.

  1. A savings bank may pay:  (a) Current or past-due taxes, assessments or other applicable fees levied upon secured property;  (b) Insurance premiums;  (c) Life insurance premiums on policies that a savings bank may require to be assigned as additional collateral; or  (d) Any similar or other charges required for the protection or preservation of its investments or as necessary to discharge any lien.  Such payments shall be added to the unpaid loan balance and shall have the same secured status under the deed of trust provisions as the loan itself. No savings bank may require, as a condition of loan approval or in the extension of any other service, that any kind of insurance coverage be purchased from or through the savings bank or from any agency in which a director or officer of the corporation has any interest.  2. A savings bank may require advance monthly payments on:  (a) Principal.  (b) Interest.  (c) Taxes.  (d) Assessments.  (e) Insurance premiums.  (f) Other statutory charges accruing upon the secured property.  The amount of each such payment and the period over which payment will be made may be agreed upon by the parties. In the absence of such an agreement, each such payment may be equivalent to one-twelfth of the estimated annual amount due. Monthly charges may be adjusted to provide a reasonable method for the payment of estimated taxes, assessments, insurance premiums and other charges. Upon receipt thereof such payments may be carried in a separate trust account or they may be applied to the loan account as a credit upon receipt and debit when disbursed.  (Added to NRS by 1969, 962; A 2017, 1943)
NV Rev Stat § 673.332 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.332 - Property acquired at or by foreclosure or developed by savings bank.

  1. A savings bank may hold, manage and convey real property, including apartments and other buildings:  (a) Acquired at or by foreclosure of the real property or a conveyance in lieu of foreclosure; or  (b) Developed or built by the savings bank.  Unless the savings bank has received a written waiver from the Commissioner, the total of money which it has advanced or committed for property which it has developed or built may not exceed twice the sum of its capital, surplus, undivided profits, loan reserve, federal insurance reserve and any other reserves specified by the Commissioner.  2. When a savings bank acquires title to any real property pursuant to subsection 1, the document representing the transaction must be recorded. This subsection does not require recordation of the evidences of any transfer of stock resulting from foreclosure of an interest in a cooperative housing corporation.  (Added to NRS by 1969, 963; A 1979, 711; 1981, 512; 1983, 1789; 1987, 1973; 2017, 1943)
NV Rev Stat § 673.340 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.340 - Minors and married persons; payment as valid discharge of savings bank.

  1. Any savings bank may issue deposit accounts or investment certificates to minors with the written consent of their parents, trustees or guardians, and to married persons, each in their own right.  2. Any payment thereon, or delivery thereof, or of any rights thereunder, to a minor of the age of 14 years or over, or to a married person, or a receipt or acquittance signed by the minor and parent, trustee or guardian or by a married person who holds such deposit accounts or investment certificates, is a valid and sufficient release and discharge of the savings bank for any such payment or delivery.  [1:116:1939; 1931 NCL § 974.10] — (NRS A 1977, 497; 2017, 1944)
NV Rev Stat § 673.360 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.360 - Administrators, executors, guardians and trustees; payment as valid discharge of savings bank.

  1. A deposit account or investment certificate of any savings bank may be purchased and held by any person as administrator, executor, guardian, or as trustee or other fiduciary, in trust for a named beneficiary or beneficiaries.  2. Any person holding a deposit account as a fiduciary may make payments upon, and withdraw, in whole or in part, the deposit account or investment certificate.  3. The withdrawal value of any such deposit account or investment certificate and interest thereon, or other rights relating thereto, may be paid or delivered to the fiduciary, and the payment or delivery to the fiduciary or a receipt or acquittance signed by the fiduciary, to whom any payment or delivery of rights is made, is a valid and sufficient release and discharge of the savings bank for the payment or delivery so made.  [Part 2:116:1939; 1931 NCL § 974.11] — (NRS A 1969, 977; 1977, 498; 2017, 1944)
NV Rev Stat § 673.373 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.373 - Notice of overdue rental; opening of box; retention of contents in general vaults; delivery of contents to State Treasurer.

  1. If the rental due on a safe-deposit box has not been paid for 90 days, the lessor may send a notice by registered or certified mail to the last known address of the lessee stating that the safe-deposit box will be opened and its contents stored at the expense of the lessee unless payment of the rental is made within 30 days. If the rental is not paid within 30 days after the mailing of the notice, the box may be opened in the presence of any officer of the lessor and a notary public. The contents must be sealed in a package by the notary public, who shall write on the outside the name of the lessee and the date of the opening of the box in the presence of the officer. The notary public and the officer shall execute a certificate reciting the name of the lessee, the date of the opening of the box and a list of its contents. The certificate must be included in the package, and a copy of the certificate must be sent by registered or certified mail to the last known address of the lessee. If the contents of the safe-deposit box have been unclaimed by the owner for 3 years or less, the package must then be placed in the general vaults of the lessor at a rental not exceeding the rental previously charged for the box, until such time that the contents will have been unclaimed by the owner for more than 3 years, at which time the lessor shall deliver the package to the State Treasurer in his or her capacity as the Administrator of Unclaimed Property pursuant to the provisions of chapter 120A of NRS.  2. If the contents of a safe-deposit box that has been opened pursuant to subsection 1 have been unclaimed by the owner for more than 3 years, the lessor shall deliver the package to the State Treasurer in his or her capacity as the Administrator of Unclaimed Property pursuant to the provisions of chapter 120A of NRS.  (Added to NRS by 1985, 2248; A 1995, 283; 2001, 1651, 2929)
NV Rev Stat § 673.430 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.430 - Annual reports: Filing; form and contents; fees; penalty; regulations.

  1. Each savings bank doing business in this State shall file annually with the Commissioner on or before March 1, a report containing the information set forth in subsection 2.  2. The annual report must contain, in such form and detail as the Commissioner may prescribe, the following:  (a) The amount of authorized capital by classes and the par value of each class of stock.  (b) A statement of its assets, liabilities and capital accounts as of the immediately preceding December 31.  (c) Any other facts which the Commissioner requires.  3. The Commissioner may impose and collect a fee of not more than $10 for each day the annual report is overdue. The Commissioner shall adopt regulations establishing the amount of the fee that may be imposed pursuant to this subsection.  4. Every savings bank shall pay to the Commissioner for supervision and examination a fee based on the rate established and, if applicable, adjusted pursuant to NRS 658.101.  [Part 21:51:1931; 1931 NCL § 970.20] — (NRS A 1957, 757; 1961, 773; 1963, 470; 1965, 1139; 1967, 979; 1969, 978; 1973, 728; 1977, 499; 1979, 1296; 1983, 1792; 1987, 1975, 2226; 1989, 921; 2003, 3233; 2005, 1878; 2007, 2152; 2017, 399, 1944)
NV Rev Stat § 673.440 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.440 - Commissioner may require further information.

Each such foreign or domestic savings bank, association, company or corporation shall cause to be supplied to the Commissioner at any time, upon his or her demand, any information which he or she may require as to its condition, affairs or methods.  [Part 21:51:1931; 1931 NCL § 970.20] — (NRS A 1961, 773; 1983, 1793; 1987, 1976; 2017, 1945)
NV Rev Stat § 673.450 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.450 - Hearings, investigations and examinations by Commissioner; confidentiality of examination reports and certain other information; powers of Commissioner; biennial examination required.

  1. The Commissioner may conduct or cause to be conducted such hearings, investigations or examinations of the books and records, wherever they may be, relating to the affairs of such organizations as he or she may deem expedient and in aid of the proper administration of the provisions of this chapter.  2. Except as otherwise provided in NRS 673.480, all examination reports and all information obtained by the Commissioner in conducting hearings, investigations or examinations under the provisions of this chapter, including all related correspondence and memoranda, and information obtained by the Commissioner from other state or federal bank regulatory authorities with whom the Commissioner has entered into agreements for the confidential sharing of such information, and information obtained by the Commissioner relating to the examination and supervision of any corporation which is an affiliate of a savings bank is confidential and privileged information and must not be made public or otherwise disclosed to any person, firm, corporation, agency, association, governmental body, court or other entity.  3. Any information submitted by a person to the Commissioner for any purpose under this chapter shall not be construed as waiving, destroying or otherwise affecting any privilege such person may claim with respect to such information under federal or state law as to any person or entity other than the Commissioner.  4. In connection with the conduct of any hearing, investigation or examination, the Commissioner or other person designated by him or her to conduct it may:  (a) Compel the attendance of any person by subpoena.  (b) Administer oaths.  (c) Examine any person under oath concerning the business and conduct of affairs of any savings bank subject to the provisions of this chapter, and require the production of any books, papers, records, money and securities relevant to the inquiry. Any willful false swearing is perjury and is punishable as such.  5. The Commissioner shall conduct at least once every 2 years an examination of the books and records of each savings bank licensed under this chapter.  [Part 22:51:1931; A 1933, 78; 1939, 153; 1931 NCL § 970.21] — (NRS A 1961, 773; 1969, 979; 1979, 1297; 1983, 1793; 1987, 1976; 2017, 1945)
NV Rev Stat § 673.451 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.451 - Authorization of Commissioner to investigate business; free access required; compelling attendance of witnesses.

  1. For the purpose of discovering violations of this chapter or of securing information lawfully required under this chapter, the Commissioner or his or her duly authorized representatives may at any time investigate the business and examine the books, accounts, papers and records used therein of:  (a) Any savings bank;  (b) Any other person engaged in an activity regulated pursuant to the provisions of this chapter; and  (c) Any person whom the Commissioner has reasonable cause to believe is violating or is about to violate any provision of this chapter, whether or not the person claims to be within the authority or beyond the scope of this chapter.  2. For the purpose of examination, the Commissioner or his or her authorized representatives must have and be given free access to the offices and places of business, files, safes and vaults of such persons.  3. The Commissioner may require the attendance of any person and examine him or her under oath regarding:  (a) Any transaction or business regulated pursuant to the provisions of this chapter; or  (b) The subject matter of any audit, examination, investigation or hearing.  (Added to NRS by 2005, 1873; A 2017, 1946)
NV Rev Stat § 673.453 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.453 - Enforcement of subpoena by district court.

  1. In case of the refusal of any person to attend or testify or produce any papers required by the subpoena directed to be served under the provision of NRS 673.450, the Commissioner may report to the district court in and for the county in which the examination, hearing or investigation is pending by petition, setting forth that:  (a) Due notice has been given of the time and place of attendance of the person or the production of the books and papers;  (b) The person has been subpoenaed in the manner prescribed in this chapter; and  (c) The person has failed and refused to attend or produce the papers required by subpoena before the Commissioner in the examination, hearing or investigation named in the subpoena, or has refused to answer questions propounded to him or her in the course of such examination, hearing or investigation,  and asking an order of the court compelling the person to attend and testify or produce the books or papers before the Commissioner.  2. The court, upon petition of the Commissioner, shall enter an order directing the person to appear before the court at a time and place to be fixed by the court in such order, the time to be not more than 10 days from the date of the order, and then and there show cause why he or she has not attended or testified or produced the books or papers before the Commissioner. A certified copy of the order must be served upon the person. If it appears to the court that the subpoena was regularly issued by the Commissioner, the court shall thereupon enter an order that the person appear before the Commissioner at the time and place fixed in the order and testify or produce the required books or papers; and upon failure to obey the order the person shall be dealt with as for contempt of court.  (Added to NRS by 1969, 964; A 1983, 1794; 1987, 1977)
NV Rev Stat § 673.455 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.455 - Examination of holding companies.

  1. The Commissioner may, at the time of examining a savings bank, inspect the books, ledgers and minutes of any corporation which is registered or required to be registered under section 5 of the Bank Holding Company Act of 1956, 12 U.S.C. § 1844, or section 10 of the Home Owners’ Loan Act of 1933, 12 U.S.C. § 1467a, as a holding company whenever, in his or her discretion, he or she considers it advisable to ascertain facts which may relate to transactions between the holding company and the affiliated savings bank. The provisions of NRS 673.450 apply to the examination of such corporation.  2. Upon making findings to that end, the Commissioner may order the discontinuance of borrowing or lending, selling or buying of assets, extending credit or guaranteeing obligations of the holding company which has been undertaken without the written approval of the Commissioner.  3. No unreasonable supervisory fees may be imposed upon any savings bank by a holding company which controls the savings bank.  (Added to NRS by 1969, 963; A 1983, 1794; 1987, 1977; 2017, 1946)
NV Rev Stat § 673.460 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.460 - Examinations outside State; fees and traveling expenses; regulations.

  1. Whenever in connection with an examination it is necessary or expedient that the Commissioner or his or her designee, or both, leave this State, there must be assessed against the organization under examination a fee of not more than the per diem allowance and travel expenses provided for state officers and employees generally for each person while outside the State in connection with an examination, together with all actual and necessary expenses.  2. The fee charged must be remitted to the Commissioner. The Commissioner shall adopt regulations establishing the amount of the fee required pursuant to this section.  [Part 22:51:1931; A 1933, 78; 1939, 153; 1931 NCL § 970.21] — (NRS A 1959, 545; 1961, 774; 1965, 1140; 1983, 1795; 1987, 1978; 2003, 3234; 2005, 1879; 2017, 1946)
NV Rev Stat § 673.470 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.470 - Other examinations acceptable in lieu of examination by Commissioner.

In lieu of making any examination, the Commissioner may accept any examination of any savings bank made by the Board of Governors of the Federal Reserve System, any Federal Home Loan Bank or Federal Reserve Bank, or the Federal Deposit Insurance Corporation, or may examine any such institution in conjunction with the Board of Governors of the Federal Reserve System, a Federal Home Loan Bank or Federal Reserve Bank, or the Federal Deposit Insurance Corporation.  [Part 22:51:1931; A 1933, 78; 1939, 153; 1931 NCL § 970.21] — (NRS A 1961, 774; 1983, 1795; 1987, 1978; 1993, 2812; 2017, 1947)
NV Rev Stat § 673.483 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.483 - Audit of books and accounts.

  1. Each savings bank shall, at least once each year, cause its books and accounts to be audited at its own expense by a certified public accountant or firm of such accountants selected by the savings bank and approved by the Commissioner.  2. The Commissioner may prescribe the scope of the audit.  3. A certified copy of the audit, including the management and internal control letters relating to the audit, must be furnished to the Commissioner.  (Added to NRS by 1963, 471; A 1977, 513; 1983, 1795; 1987, 1978; 2017, 1948)
NV Rev Stat § 673.4835 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.4835 - Independent audit and examination: Payment of assessment; cooperation.

Each savings bank shall pay the assessment levied pursuant to NRS 658.055 and cooperate fully with the audits and examinations performed pursuant thereto.  (Added to NRS by 1987, 827; A 2017, 1948)
NV Rev Stat § 673.484 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.484 - Suspension or revocation of charter: Grounds; notice and hearing.

The Commissioner may after notice and hearing suspend or revoke the charter of any savings banks for:  1. Repeated failure to abide by the provisions of this chapter or the regulations adopted thereunder.  2. Failure to pay a tax as required pursuant to the provisions of chapter 363A or 363C of NRS.  (Added to NRS by 1967, 980; A 1977, 96; 1983, 1796; 1987, 1978; 2003, 20th Special Session, 226; 2015, 2948; 2017, 1948)