reglab/housing_qa huggingface dataset:
TN Code § 45-14-108 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 14 - Chartering of Savings Banks|§ 45-14-108. Accounting Requirements

 Savings banks are subject to the same accounting requirements as are commercial banks chartered under the laws of this state.
TN Code § 45-14-109 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 14 - Chartering of Savings Banks|§ 45-14-109. Membership in Federal Home Loan Bank or Federal Reserve Bank

 Savings banks may obtain, maintain and terminate membership in a federal home loan bank or federal reserve bank, or both, meet all applicable requirements for membership, and engage in all acts incidental to membership, unless the acts are specifically prohibited by this chapter or regulations issued under this chapter.
TN Code § 45-14-110 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 14 - Chartering of Savings Banks|§ 45-14-110. Conversion to Savings Bank — Compliance With Requirements of Chapter

 A depository institution that converts to a savings bank pursuant to this chapter shall have a period of time that the commissioner determines to be reasonable and prudent to conform to the requirements of this chapter and the regulations issued under this chapter, but the period shall not exceed ten (10) years from the date of conversion.
TN Code § 45-14-111 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 14 - Chartering of Savings Banks|§ 45-14-111. Costs, Fees and Assessments

 Savings banks shall pay the costs, fees and assessments computed in the manner provided for commercial banks (but not for nondepository trust companies) in § 45-1-118.
TN Code § 45-14-112 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 14 - Chartering of Savings Banks|§ 45-14-112. Revocation of Charter — Grounds

  The commissioner may revoke any savings bank charter issued under this chapter if the commissioner finds, after notice and an opportunity for a hearing, that the savings bank willfully and consistently has been conducting its business in a manner that is substantially and materially inconsistent with the objective of this chapter, or if in violation of this chapter or any regulations promulgated thereunder.   The commissioner shall revoke any savings bank charter issued under this chapter if the commissioner finds, after notice and an opportunity for a hearing, that the savings bank is violating § 45-14-103(g).   The commissioner shall issue regulations providing for the voluntary surrender of savings bank charters issued under this chapter.
TN Code § 45-14-113 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 14 - Chartering of Savings Banks|§ 45-14-113. Commissioner — Regulations

  The commissioner has the power to establish regulations to:  Carry out the legislative purposes of this chapter;   Provide for the safe and sound operation of state-chartered savings banks; and   Establish from time to time reasonable fees for various applications made to the commissioner.     This chapter shall take effect whether or not the commissioner has promulgated regulations to carry out various provisions of the chapter. In the absence of regulations promulgated under this chapter, regulations promulgated under the commissioner's authority granted by this title shall be deemed effective for savings banks until and unless regulations are promulgated specifically under this chapter.
TN Code § 45-14-114 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 14 - Chartering of Savings Banks|§ 45-14-114. Void and Null Charters and Certificates of Authority

  Any charter issued under this chapter shall be null and void if:  The institution for which the charter was issued does not commence operations within five (5) years of the date the charter was issued; provided, that the commissioner may act to extend the time to allow the commencement of operations; or   An institution that is chartered and commences business ceases to conduct business and no operations or business are conducted for a period of five (5) years.     Any certificate of authority issued under this chapter shall be null and void if substantially all of the assets of a savings bank are acquired without acquiring the charter.
TN Code § 45-15-101 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 15 - Title Pledges|§ 45-15-101. Short Title

 This chapter shall be known and may be cited as the “Tennessee Title Pledge Act.”
TN Code § 45-15-102 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 15 - Title Pledges|§ 45-15-102. Purpose

 The making of title pledge loans vitally affects the general economy of this state and the public interest and welfare of its citizens. It is the policy of this state and the purpose of this chapter to:   Ensure a sound system of making title pledge loans through statewide licensing of title pledge lenders by the department of financial institutions;   Establish licensing requirements;   Provide for the examination and regulation of title pledge lenders by the department of financial institutions; and   Ensure financial responsibility to the public.
TN Code § 45-15-104 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 15 - Title Pledges|§ 45-15-104. Authority of Licensed Title Pledge Lenders

  A title pledge lender licensed pursuant to this chapter has the power to make loans of money on pledges of personal property certificates of title or on pledges of titled personal property in accordance with this chapter.   Title pledge lenders licensed pursuant to this chapter shall not have the powers enumerated in this chapter without first complying with the law regulating title pledge agreements and property pledge agreements, but title pledge lenders exercising any of the powers in compliance with this chapter's provisions shall not be deemed in violation of § 47-14-112 or § 47-14-117. No action shall be brought by a pledgor against a title pledge lender in connection with a title pledge agreement or property pledge agreement more than one (1) year after the date of the alleged occurrence of any violation of this chapter.
TN Code § 45-15-105 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 15 - Title Pledges|§ 45-15-105. License Required — Loans Made Without License Void

  No person shall engage in the business of title pledge lending without having first obtained a license. A separate license shall be required for each location from which the business is conducted. Any person engaged in the business of title pledge lending on November 1, 2005, under a license issued by the county clerk, may continue to engage in the business without a license issued by the commissioner, until the commissioner has acted upon the application for a license, if the application is filed by December 31, 2005.   Any loan made without a license is void, in which case the person making the loan forfeits the right to collect any moneys, including principal, interest, and any other fee paid by the pledgor in connection with the title pledge agreement or property pledge agreement. The person making the loan shall return to the pledgor the pledged property, the titled personal property pledged, or the fair market value of the titled personal property, and all principal, interest, and any other fees paid by the pledgor. The pledgor is entitled to receive reasonable attorney's fees and costs in any action brought by a pledgor to recover from the person making the loan, the pledged property, the titled personal property, and the principal, interest and any fees paid by the pledgor.
TN Code § 45-15-107 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 15 - Title Pledges|§ 45-15-107. Suspension or Revocation of License

  The commissioner may, after notice and opportunity for a hearing, suspend or revoke any license, if the commissioner finds that the title pledge lender has knowingly or through lack of due care:  Engaged in conduct of a manner that would warrant the denial of an application;   Refused to permit the commissioner to make any examination authorized by this chapter;   Failed to pay any fees or assessments imposed by the commissioner under the authority of this chapter;   Committed any fraud, engaged in any dishonest activities or made any misrepresentations;   Made a false statement in the application for the license or failed to give a true reply to a question in the application;   Demonstrated incompetency or untrustworthiness to act as a title pledge lender; or   Violated any provisions of this chapter or any administrative regulation issued pursuant to this chapter, or has violated any other law in the course of the title pledge lender's dealings as a title pledge lender.     If the reason for revocation or suspension of a title pledge lender's license at any one (1) location is of general application to all locations operated by a title pledge lender, the commissioner may revoke or suspend all licenses issued to a title pledge lender.   A hearing shall be held on written notice given at least twenty (20) days prior to the date of the hearing, and shall be conducted in accordance with the Uniform Administrative Procedures Act, compiled in title 4, chapter 5.
TN Code § 45-15-111 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 15 - Title Pledges|§ 45-15-111. Rate of Interest and Charges — Consumer Notification and Disclosure Form

  A title pledge lender shall contract for and receive an effective rate of interest not to exceed two percent (2%) per month; additionally, the title pledge lender may charge, contract for, and receive a customary fee to defray the ordinary costs of operating a title pledge office, including, but not limited to, investigating the title, appraising the titled personal property, insuring the personal property when in the physical possession of the title pledge lender, documenting and closing the title or property pledge transaction, making required reports to local law enforcement officials, for all other services provided by the title pledge lender, advertising, for losses on title pledge or property pledge transactions, salaries, and for all other expenses incurred by the title pledge lender except those in subsection (b). The fee shall not be deemed interest for any purpose of law, and the fee may equal no more than one-fifth (1/5) of the original principal amount of the title pledge agreement or property pledge agreement, or of the total unpaid balance due at the inception of any renewal of the agreement. The interest and fees shall be deemed to be earned, due and owing as of the date of the title pledge agreement or property pledge agreement and a like sum shall be deemed earned, due and owing on the same day of each subsequent thirty-day period.   Title pledge lenders may assess and collect, as reimbursement, a repossession charge not to exceed the actual amount charged by any company or companies, attorney or attorneys and/or contractor or contractors to repossess the titled personal property and deliver the titled personal property to the storage facility of the title pledge lender.   Notwithstanding § 45-1-104, or any other law to the contrary, in accordance with the Uniform Administrative Procedures Act, compiled in title 4, chapter 5, the department of financial institutions shall promulgate rules requiring each title pledge lender to issue a standardized consumer notification and disclosure form in compliance with federal truth-in-lending laws prior to entering into any property pledge agreement or title pledge agreement wherein the pledged goods will consist of, or include, one (1) or more motor vehicles titled by this or any other state. The required style, content and method of executing the form shall be specifically prescribed by the rules and shall be designed to ensure that the pledgor, prior to entering into the agreement, receives and acknowledges an accurate and complete notification and disclosure of the itemized and total amounts of all interest, fees, charges and other costs that will or potentially could be imposed as a result of the agreement.
TN Code § 45-15-112 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 15 - Title Pledges|§ 45-15-112. Right to Redeem

 Except as otherwise provided in this chapter, the pledgor, upon presentation of suitable identification, shall be entitled to redeem the titled personal property and/or certificate of title described therein upon satisfaction of all outstanding obligations pursuant to the title pledge or property pledge agreement and this chapter.
TN Code § 45-15-116 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 15 - Title Pledges|§ 45-15-116. Safekeeping of Titled Personal Property or Personal Property Certificates of Title — Insurance Coverage — Damaged Property

 Every title pledge lender licensed under this chapter shall provide a safe place for the keeping of the pledged property. The title pledge lender shall have sufficient insurance coverage on the pledged property, in the event of loss or damage, for the benefit of the pledgor to pay the title pledge value of the pledged property as written on the title pledge or property pledge agreement; provided, that the personal property is in the physical possession of the title pledge lender. The insurance policy shall name the commissioner as an additional insured party for the protection and benefit of the pledgor. “Title pledge value,” for the purposes of this section, means the amount of money loaned in consideration of the pledged goods as stated on the title pledge or property pledge agreement.
TN Code § 45-15-117 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 15 - Title Pledges|§ 45-15-117. Violations

 Any person who intentionally violates any provision of this chapter commits a Class A misdemeanor.
TN Code § 45-15-119 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 15 - Title Pledges|§ 45-15-119. Supersession of Ordinances or Resolutions of Municipal Corporations

 No incorporated municipality, city or taxing district in this state shall enact an ordinance or resolution or promulgate any rules or regulations relating to this chapter. Any ordinance or resolution or rules or regulations of any municipality, city or taxing district relative to title pledge lending are superseded by this chapter.
TN Code § 45-15-120 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 15 - Title Pledges|§ 45-15-120. Applicability of Motor Vehicle Provisions

 Title 55, chapter 17, shall apply to all sales and transfers of any motor vehicle acquired under this chapter.
TN Code § 45-15-121 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 15 - Title Pledges|§ 45-15-121. Licensing Through Multi-State Automated Licensing System

  In addition to any other powers imposed upon the commissioner by law, the commissioner is authorized to require persons subject to this chapter to be licensed through a multi-state automated licensing system. Pursuant to this authority, the commissioner may:  Promulgate any rules reasonably necessary for participation in, transition to, or operation of, a multi-state automated licensing system;   Establish relationships or enter into agreements reasonably necessary for participation in, transition to, or operation of a multi-state automated licensing system. The agreements may include, but are not limited to, operating agreements, information sharing agreements, interstate cooperative agreements, and technology licensing agreements;   Require that applications for licensing under this chapter and renewals of such licenses be filed with a multi-state automated licensing system;   Require that any fees required to be paid under this chapter be paid through a multi-state automated licensing system;   Establish deadlines for transitioning licenses to a multi-state automated licensing system. The commissioner may deny any applications or renewal applications not filed with a multi-state automated licensing system after the deadlines have passed, notwithstanding any other deadlines established in this chapter. The commissioner shall provide reasonable notice of any transition deadlines to licensees; and   Take such further actions as are reasonably necessary to give effect to this section.     Nothing in this section authorizes the commissioner to require a person who is not subject to this chapter to submit information to, or participate in, a multi-state automated licensing system.   Notwithstanding any other provision of this section, the commissioner retains full authority and discretion to license persons under this chapter and to enforce this chapter, and nothing in this section reduces or derogates this authority and discretion.   Applicants for and holders of licenses issued under this chapter must pay all costs associated with submitting an application or transitioning a license to a multi-state automated licensing system, as well as all costs associated with maintaining and renewing any license issued by the commissioner on a multi-state automated licensing system.
TN Code § 45-15-122 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 15 - Title Pledges|§ 45-15-122. Agent for Channeling Information

 The commissioner is authorized to use a multi-state automated licensing system as an agent for channeling information, whether criminal or noncriminal in nature, and whether derived from or distributed to the United States department of justice, any other state or federal governmental agency, or any other source, that the commissioner is authorized to request or distribute under this chapter.
TN Code § 45-15-123 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 15 - Title Pledges|§ 45-15-123. Privacy or Confidentiality of Shared Information

 In order to promote more effective regulation and reduce regulatory burden through supervisory information sharing:   The requirements under any federal or state law regarding the privacy or confidentiality of any information or material provided to a multi-state automated licensing system, and any privilege arising under federal or state law, including the rules of any federal or state court, with respect to such information or material, continue to apply to the information or material after it has been disclosed to a multi-state automated licensing system. The information or material may be shared with all state and federal regulatory officials with title pledge lending oversight authority without the loss of privilege or confidentiality protections provided by federal or state law, including the protection available under § 45-1-120;   For purposes of subdivision (1), the commissioner may enter into agreements or sharing agreements with other governmental agencies, the Conference of State Bank Supervisors, or other associations representing governmental agencies, as established by rule, regulation, or order of the commissioner;   Information or material that is subject to a privilege or confidentiality protection under subdivision (1) is not subject to:  Disclosure under any federal or state law governing disclosure to the public of information held by an officer or agency of the federal government or the respective state; or   Subpoena or discovery or admission into evidence in any private civil action or administrative process, unless the person to whom such information or material pertains, in this person's discretion, waives any applicable privilege held by a multi-state automated licensing system, in whole or in part;     This section supersedes any inconsistent provisions of title 10, chapter 7, part 5, pertaining to the records open to public inspection; and   This section does not apply to information or material relating to publicly adjudicated disciplinary and enforcement actions against persons subject to this chapter that is included in a multi-state automated licensing system for access by the public.
TN Code § 45-16-101 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 16 - Automated Teller Machines|§ 45-16-101. Chapter Definitions

 As used in this chapter, unless the context otherwise requires:   “Electronic terminal” means an electronic device through which a person may initiate an electronic fund transfer to access the person's deposit, share, or other accounts or credit facility, and includes, but is not limited to, automated teller machines, cash dispensing machines, point of sale terminals, or other cash, debit, stored value, script, or cash equivalent device;   “Financial institution” means a state or national bank, savings and loan association, savings bank, or credit union that owns or operates an electronic terminal;   “Foreign access card” means any card or other device eligible for use in an electronic terminal where the foreign access card is not issued to the user by the owner or operator of the electronic terminal;   “Shared electronic network” means any system by which a person may initiate any financial transaction from an electronic terminal owned or operated by any person other than a financial institution with whom the person has a deposit, share, or other account or credit facility; and   “Usage fee” is any fee charged by the owner or operator of an electronic terminal on transactions by a holder of a foreign access card.
TN Code § 45-16-102 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 16 - Automated Teller Machines|§ 45-16-102. Usage Fees Authorized

 An agreement to share electronic terminals or participate in a shared electronic network shall not prohibit, limit, or restrict the right of a financial institution to charge a usage fee for use of its electronic terminals, require a financial institution to limit or waive its rights or obligations under this section, or require the financial institution to otherwise distinguish or discriminate on classes or types of transactions. This section shall not limit or restrict any other fee that a financial institution may impose on its customers pursuant to any deposit, lending, or other written agreement that it has with a customer, or to any other transaction where a customer has no written agreement, but which a customer has notice of the fee.
TN Code § 45-16-103 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 16 - Automated Teller Machines|§ 45-16-103. Usage Fees on Foreign Access Cards

 A financial institution may impose and collect a usage fee on a foreign access card; provided, that the usage fee may only be charged if the imposition of the fee is disclosed at a time and in a manner that allows the user to terminate or cancel the transaction without incurring the usage fee.
TN Code § 45-16-104 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 16 - Automated Teller Machines|§ 45-16-104. Rules and Regulations

 The commissioner of financial institutions is authorized to promulgate rules and regulations to effectuate the purposes of this chapter.
TN Code § 45-17-101 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 17 - Deferred Presentment Services|§ 45-17-101. Short Title

 This chapter shall be known and may be cited as the “Deferred Presentment Services Act.”