reglab/housing_qa huggingface dataset:
NE Code § 45-807 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-807 - Written statement to buyer; contents; credit services organization; duties.

45-807.  Written statement to buyer; contents; credit services organization; duties.(1) Before executing a contract or agreement with or receiving money or other valuable consideration from a buyer, a credit services organization shall provide the buyer with a written statement containing:(a) A complete and detailed description of the services to be performed by the credit services organization for the buyer and the total cost of the services;(b) A statement explaining the buyer's right to proceed against the surety bond or surety account required by section 45-805;(c) The name and address of the surety company that issued the bond or the name and address of the depository and the trustee and the account number of the surety account;(d) A complete and accurate statement of the buyer's right to review any file on the buyer maintained by a consumer reporting agency as provided by the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq.;(e) A statement that the buyer's file is available for review at no charge on request made to the consumer reporting agency within thirty days after the date of receipt of notice that credit has been denied and that the buyer's file is available for a minimal charge at any other time;(f) A complete and accurate statement of the buyer's right to dispute directly with the consumer reporting agency the completeness or accuracy of any item contained in a file on the buyer maintained by the consumer reporting agency;(g) A statement that accurate information cannot be permanently removed from the files of a consumer reporting agency;(h) A complete and accurate statement of when consumer information becomes obsolete and of when consumer reporting agencies are prevented from issuing reports containing obsolete information; and(i) A complete and accurate statement of the availability of nonprofit credit counseling services.(2) The credit services organization shall maintain on file, for a period of two years after the date the statement is provided, an exact copy of the statement, signed by the buyer, acknowledging receipt of the statement.Source  Laws 1991, LB 292, § 7.
NE Code § 45-808 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-808 - Contract; requirements; cancellation; procedure; notice; breach; effect.

45-808.  Contract; requirements; cancellation; procedure; notice; breach; effect.(1) Each contract between the buyer and a credit services organization for the purchase of the services of the credit services organization shall be in writing, dated, and signed by the buyer and shall include:(a) A statement in type that is boldface, capitalized, underlined, or otherwise set out from surrounding written materials so as to be conspicuous, in immediate proximity to the space reserved for the signature of the buyer, as follows: "You, the buyer, may cancel this contract at any time before midnight of the third day after the date the contract is signed. See the attached notice of cancellation form for an explanation of this right.";(b) The terms and conditions of payment, including the total of all payments to be made by the buyer, whether to the credit services organization or to another person;(c) A full and detailed description of the services to be performed by the credit services organization for the buyer, including all guarantees and all promises of full or partial refunds, and the estimated length of time, not to exceed one hundred eighty days, for performing the services; and(d) The address of the credit services organization's principal place of business and the name and address of its agent in the state authorized to receive service of process.(2) The credit services organization shall return any payment made by a buyer under the contract if the buyer cancels the contract within three days after it is signed. The payment shall be returned within ten days after the date the organization receives the cancellation notice from the buyer.(3) The contract shall have attached two easily detachable copies of a notice of cancellation. The notice shall be in boldface in the following form:Notice of CancellationYou may cancel this contract, without any penalty or obligation, within three days after the date the contract is signed.If you cancel, any payment made by you under this contract will be returned within ten days after the date of receipt by the seller of your cancellation notice.To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice or other written notice to: (name of seller) at (address of seller) (place of business) not later than midnight (date) I hereby cancel this transaction.(date)(purchaser's signature)(4) The credit services organization shall give to the buyer a copy of the completed contract and all other documents the credit services organization requires the buyer to sign at the time they are signed.(5) The breach by a credit services organization of a contract under the Credit Services Organization Act or of any obligation arising from a contract under the act shall be a violation of the act.Source  Laws 1991, LB 292, § 8.
NE Code § 45-809 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-809 - Waiver of rights; void.

45-809.  Waiver of rights; void.A credit services organization shall not attempt to cause a buyer to waive a right under the Credit Services Organization Act. A purported waiver by a buyer of any part of the act shall be void.Source  Laws 1991, LB 292, § 9.
NE Code § 45-810 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-810 - Damages.

45-810.  Damages.A buyer injured by a violation of the Credit Services Organization Act may bring an action for recovery of damages. The damages awarded shall not be less than the amount paid by the buyer to the credit services organization plus reasonable attorney's fees and court costs.Source  Laws 1991, LB 292, § 10.
NE Code § 45-811 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-811 - Violation; injunction.

45-811.  Violation; injunction.The Attorney General or a buyer may bring an action in district court to enjoin a violation of the Credit Services Organization Act.Source  Laws 1991, LB 292, § 11.
NE Code § 45-812 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-812 - Violation; deceptive trade practice.

45-812.  Violation; deceptive trade practice.A violation of the Credit Services Organization Act shall be a deceptive trade practice under the Uniform Deceptive Trade Practices Act.Source  Laws 1991, LB 292, § 12. Cross References  Uniform Deceptive Trade Practices Act, see section 87-306.
NE Code § 45-813 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-813 - Statute of limitations.

45-813.  Statute of limitations.An action may not be brought under section 45-810 or 45-812 after four years after the date of the execution of the contract for services to which the action relates.Source  Laws 1991, LB 292, § 13.
NE Code § 45-814 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-814 - Violation; penalty.

45-814.  Violation; penalty.A person who violates the Credit Services Organization Act shall be guilty of a Class II misdemeanor.Source  Laws 1991, LB 292, § 14.
NE Code § 45-815 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-815 - Remedies.

45-815.  Remedies.The remedies provided by the Credit Services Organization Act shall be in addition to other remedies provided by law.Source  Laws 1991, LB 292, § 15.
NE Code § 45-901 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-901 - Act, how cited.

45-901.  Act, how cited.Sections 45-901 to 45-931 shall be known and may be cited as the Delayed Deposit Services Licensing Act.Source   Laws 1994, LB 967, § 1;  Laws 2006, LB 876, § 36;  Laws 2012, LB269, § 1;  Laws 2018, LB194, § 2;  Laws 2020, LB909, § 35.
NE Code § 45-902 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-902 - Terms, defined.

45-902.  Terms, defined.For purposes of the Delayed Deposit Services Licensing Act:(1) Annual percentage rate means an annual percentage rate as determined under section 107 of the federal Truth in Lending Act, 15 U.S.C. 1606, as such section existed on January 1, 2020, and includes all fees, interest, and charges contained in a delayed deposit service contract, except for charges permitted for the presentation of instruments that are not negotiable under subdivision (1)(a)(v) of section 45-917 or returned unpaid under section 45-918.01;(2) Check means any check, draft, or other instrument for the payment of money. Check also means an authorization to debit an account electronically;(3) Default means a maker's failure to repay a delayed deposit transaction in compliance with the terms contained in a delayed deposit service agreement;(4) Delayed deposit services business means any person who for a fee (a) accepts a check dated subsequent to the date it was written or (b) accepts a check dated on the date it was written and holds the check for a period of days prior to deposit or presentment pursuant to an agreement with or any representation made to the maker of the check, whether express or implied;(5) Department means the Department of Banking and Finance;(6) Director means the Director of Banking and Finance or his or her designee;(7) Financial institution has the same meaning as in section 8-101.03;(8) Licensee means any person licensed under the Delayed Deposit Services Licensing Act;(9) Maker means an individual who receives the proceeds of a delayed deposit transaction;(10) Nationwide Mortgage Licensing System and Registry means a licensing system developed and maintained by the Conference of State Bank Supervisors and the American Association of Residential Mortgage Regulators for the licensing and registration of mortgage loan originators, mortgage bankers, installment loan companies, and other state-regulated financial services entities and industries; and(11) Person means an individual, proprietorship, association, joint venture, joint-stock company, partnership, limited partnership, limited liability company, business corporation, nonprofit corporation, or any group of individuals however organized.Source   Laws 1994, LB 967, § 2;  Laws 2001, LB 53, § 103;  Laws 2003, LB 217, § 37;  Laws 2017, LB140, § 154;  Laws 2018, LB194, § 3;  Laws 2020, LB909, § 36.
NE Code § 45-903 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-903 - Act; not applicable to financial institutions.

45-903.  Act; not applicable to financial institutions.The Delayed Deposit Services Licensing Act shall not apply to a financial institution organized under the laws of this state or the laws of the United States.Source  Laws 1994, LB 967, § 3.
NE Code § 45-904 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-904 - License required; void transaction; effect.

45-904.  License required; void transaction; effect.No person shall operate a delayed deposit services business or make or offer a delayed deposit transaction in this state unless the person is licensed by the director as provided in the Delayed Deposit Services Licensing Act. Any delayed deposit transaction that is made by a person who is required to be licensed pursuant to the act but who is not licensed is void, and the person making such delayed deposit transaction has no right to collect, receive, or retain any principal, interest, fees, or any other charges in connection with such delayed deposit transaction.Source   Laws 1994, LB 967, § 4;  Laws 2018, LB194, § 4.
NE Code § 45-905 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-905 - Application for license; form; contents; criminal history record information check.

45-905.  Application for license; form; contents; criminal history record information check.(1) An applicant for a license shall submit an application, under oath, to the director on forms prescribed by the director. The forms shall contain such information as the director may prescribe, including, but not limited to:(a) The applicant's financial condition;(b) The qualifications and business history of the applicant and of its officers, directors, shareholders, partners, or members;(c) Whether the applicant or any of its officers, directors, shareholders, partners, or members have ever been convicted of any (i) misdemeanor involving any aspect of a delayed deposit services business or any business of a similar nature or (ii) felony;(d) Whether the applicant or any of its officers, directors, shareholders, partners, or members have ever been permanently or temporarily enjoined by a court of competent jurisdiction from engaging in or continuing any conduct or practice involving any aspect of a delayed deposit services business or any business of a similar nature;(e) A description of the applicant's proposed method of doing business; and(f) If the applicant is an individual, the applicant's social security number.(2) The director shall cause a criminal history record information check to be conducted of the applicant, its officers, directors, shareholders, partners, or members and, on or after January 1, 2021, as provided in subsection (1) of section 45-905.01. The direct cost of the criminal history record information check shall be paid by the applicant.Source   Laws 1994, LB 967, § 5;   Laws 1997, LB 752, § 119;  Laws 2020, LB909, § 37.
NE Code § 45-906 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-906 - Application; fees; bond.

45-906.  Application; fees; bond.The application required by section 45-905 shall be accompanied by:(1) A nonrefundable application fee of five hundred dollars and any processing fee allowed under subsection (2) of section 45-905.01; and(2) A surety bond in the base amount of fifty thousand dollars which, on or after January 1, 2021, shall be increased by fifty thousand dollars for each branch office established or to be established in Nebraska. The surety bond shall be executed by the licensee and a surety company authorized to do business in Nebraska and approved by the director conditioned for the faithful performance by the licensee of the duties and obligations pertaining to the delayed deposit services business so licensed and the prompt payment of any judgment recovered against the licensee. The bond or a substitute bond shall remain in effect during all periods of licensing or the licensee shall immediately cease doing business and its license shall be surrendered to or canceled by the department. A surety may cancel a bond only upon thirty days' written notice to the director.(3) The director may at any time require the filing of a new or supplemental bond in the form as provided in subdivision (2) of this section if he or she determines that the bond filed under this section is exhausted or is inadequate for any reason, including, but not limited to, the financial condition of the licensee or the applicant for a license, or violations of the Delayed Deposit Services Licensing Act, any rule, regulation, or order thereunder, or any state or federal law applicable to the licensee or applicant for a license. The new or supplemental bond shall not exceed one hundred thousand dollars over the amount of the bond required by subdivision (2) of this section.Source   Laws 1994, LB 967, § 6;  Laws 2001, LB 53, § 104;  Laws 2006, LB 876, § 37;  Laws 2020, LB909, § 38.
NE Code § 45-907 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-907 - Application; notice of filing; publication; hearing; investigation; costs.

45-907.  Application; notice of filing; publication; hearing; investigation; costs.(1) When an application for a delayed deposit services business license has been accepted by the director as substantially complete, notice of the filing of the application shall be published by the director for three successive weeks in a legal newspaper published in or of general circulation in the county where the applicant proposes to operate the delayed deposit services business. A public hearing shall be held on each application except as provided in subsection (2) of this section. The date for hearing shall not be less than thirty days after the last publication. Written protest against the issuance of the license may be filed with the department by any person not less than five days before the date set for hearing. The director, in his or her discretion, may grant a continuance. The costs of the hearing shall be paid by the applicant. The director may investigate the propriety of the issuance of a license to the applicant. The costs of such investigation shall be paid by the applicant.(2) The director may waive the hearing requirements of subsection (1) of this section if (a) the applicant has held and operated under a license to engage in the delayed deposit services business in Nebraska pursuant to the Delayed Deposit Services Licensing Act for at least three calendar years immediately prior to the filing of the application, (b) no written protest against the issuance of the license has been filed with the department within fifteen days after publication of a notice of the filing of the application one time in a newspaper of general circulation in the county where the applicant proposes to operate the delayed deposit services business, and (c) in the judgment of the director, the experience, character, and general fitness of the applicant warrant the belief that the applicant will comply with the act.(3) The expense of any publication made pursuant to this section shall be paid by the applicant.Source   Laws 1994, LB 967, § 7;  Laws 2006, LB 876, § 38;  Laws 2008, LB851, § 23;  Laws 2018, LB194, § 5.
NE Code § 45-908 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-908 - License; issuance; conditions.

45-908.  License; issuance; conditions.The director shall issue a license to an applicant, if, after public hearing and any investigation of the applicant, the director determines that:(1) The experience, character, and general fitness of the applicant and its officers, directors, shareholders, partners, or members are such as to warrant the belief that the applicant will conduct the delayed deposit services business honestly, fairly, and efficiently;(2) The applicant and its officers, directors, shareholders, partners, or members have not been convicted of a felony in this state or any other jurisdiction which would indicate moral turpitude on the part of the applicant;(3) The applicant is financially responsible and will conduct the delayed deposit services business pursuant to the Delayed Deposit Services Licensing Act; and(4) The applicant has assets of at least twenty-five thousand dollars available for operating the delayed deposit services business.Source  Laws 1994, LB 967, § 8.
NE Code § 45-909 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-909 - Application for license; timely action of director required; appeal.

45-909.  Application for license; timely action of director required; appeal.The director shall approve or deny an application for a license by written order not more than ninety days after the filing of a substantially complete application. Failure of the director to act on a substantially complete application within ninety days shall constitute approval of the application. An order of the director issued pursuant to this section may be appealed, and the appeal shall be in accordance with the Administrative Procedure Act.Source  Laws 1994, LB 967, § 9. Cross References  Administrative Procedure Act, see section 84-920.
NE Code § 45-910 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-910 - License; posting; renewal; fees.

45-910.  License; posting; renewal; fees.(1) A license issued pursuant to the Delayed Deposit Services Licensing Act shall be conspicuously posted at the licensee's place of business.(2)(a) Except as provided in subdivision (2)(b) of this section, all licenses shall remain in effect until the next succeeding May 1, unless earlier canceled, suspended, or revoked by the director pursuant to section 45-922 or surrendered by the licensee pursuant to section 45-911.(b) All licenses issued on or after November 14, 2020, and before January 1, 2021, shall remain in effect until December 31, 2021, unless earlier canceled, suspended, or revoked by the director pursuant to section 45-922 or surrendered by the licensee pursuant to section 45-911. All licenses issued on or after January 1, 2021, shall remain in effect until the next succeeding December 31, unless earlier canceled, suspended, or revoked by the director pursuant to section 45-922 or surrendered by the licensee pursuant to section 45-911.(3) Licenses may be renewed annually by filing with the director (a) a renewal fee consisting of five hundred dollars and any processing fee allowed under subsection (2) of section 45-905.01 for the main office location and five hundred dollars and any processing fee allowed under subsection (2) of section 45-905.01 for each branch office location and (b) an application for renewal in writing through the Nationwide Mortgage Licensing System and Registry containing such information as the director may require to indicate any material change in the information contained in the original application or succeeding renewal applications.Source   Laws 1994, LB 967, § 10;  Laws 2001, LB 53, § 105;  Laws 2005, LB 533, § 56;  Laws 2012, LB269, § 2;  Laws 2020, LB909, § 40.
NE Code § 45-911 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-911 - Surrender of license; effect.

45-911.  Surrender of license; effect.A licensee may surrender a delayed deposit services business license by delivering to the director written notice that the license is surrendered and any processing fee allowed under subsection (2) of section 45-905.01. The department may issue a notice of cancellation of the license following such surrender in lieu of revocation proceedings. The surrender shall not affect the licensee's civil or criminal liability for acts committed prior to such surrender, affect the liability for any fines which may be levied against the licensee or any of its officers, directors, shareholders, partners, or members for acts committed before the surrender, affect the liability of the surety on the bond, or entitle such licensee to a return of any part of the annual license fee or fees. The director may establish procedures for the disposition of the books, accounts, and records of the licensee and may require such action as he or she deems necessary for the protection of the makers of checks which are outstanding at the time of surrender of the license.Source   Laws 1994, LB 967, § 11;  Laws 2006, LB 876, § 39;  Laws 2018, LB194, § 6;  Laws 2020, LB909, § 41.