reglab/housing_qa huggingface dataset:
NV Rev Stat § 603A.345 (2021)
2021 Nevada Revised Statutes|Chapter 603A - Security and Privacy of Personal Information|NRS 603A.345 - Submission of verified request to operator not to sell covered information collected by operator; response to verified request.

  1. Each operator shall establish a designated request address through which a consumer may submit a verified request pursuant to this section.  2. A consumer may, at any time, submit a verified request through a designated request address to an operator directing the operator not to make any sale of any covered information the operator has collected or will collect about the consumer.  3. An operator that has received a verified request submitted by a consumer pursuant to subsection 2 shall not make any sale of any covered information the operator has collected or will collect about that consumer.  4. An operator shall respond to a verified request submitted by a consumer pursuant to subsection 2 within 60 days after receipt thereof. An operator may extend by not more than 30 days the period prescribed by this subsection if the operator determines that such an extension is reasonably necessary. An operator who extends the period prescribed by this subsection shall notify the consumer of such an extension.  (Added to NRS by 2019, 1171)
NV Rev Stat § 603A.350 (2021)
2021 Nevada Revised Statutes|Chapter 603A - Security and Privacy of Personal Information|NRS 603A.350 - Unlawful acts.

An operator violates NRS 603A.340 if the operator:  1. Knowingly and willfully fails to remedy a failure to comply with the provisions of subsection 1 of that section within 30 days after being informed of such a failure; or  2. Makes available a notice pursuant to that section which contains information which constitutes a knowing and material misrepresentation or omission that is likely to mislead a consumer acting reasonably under the circumstances, to the detriment of the consumer.  (Added to NRS by 2017, 4079)
NV Rev Stat § 603A.360 (2021)
2021 Nevada Revised Statutes|Chapter 603A - Security and Privacy of Personal Information|NRS 603A.360 - Enforcement by Attorney General; civil penalty for violation or injunction; no private right of action against operator; provisions not exclusive.

  1. The Attorney General shall enforce the provisions of NRS 603A.300 to 603A.360, inclusive.  2. If the Attorney General has reason to believe that an operator, either directly or indirectly, has violated or is violating NRS 603A.340 or 603A.345, the Attorney General may institute an appropriate legal proceeding against the operator. The district court, upon a showing that the operator, either directly or indirectly, has violated or is violating NRS 603A.340 or 603A.345, may:  (a) Issue a temporary or permanent injunction; or  (b) Impose a civil penalty not to exceed $5,000 for each violation.  3. The provisions of NRS 603A.300 to 603A.360, inclusive, do not establish a private right of action against an operator.  4. The provisions of NRS 603A.300 to 603A.360, inclusive, are not exclusive and are in addition to any other remedies provided by law.  (Added to NRS by 2017, 4079; A 2019, 1172)
NV Rev Stat § 604A.010 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.010 - Definitions.

As used in this chapter, unless the context otherwise requires, the words and terms defined in NRS 604A.015 to 604A.125, inclusive, have the meanings ascribed to them in those sections.  (Added to NRS by 2005, 1683; A 2007, 931; 2019, 944)
NV Rev Stat § 604A.015 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.015 - "Automated loan machine" defined.

  1. "Automated loan machine" means any machine or other device, regardless of the name given to it or the technology used, that:  (a) Is automated;  (b) Is designed or intended to allow a customer, without any additional assistance from another person, to receive or attempt to receive a deferred deposit loan or high-interest loan through the machine or other device; and  (c) Is set up, installed, operated or maintained by or on behalf of the person making the loan or any agent, affiliate or subsidiary of the person.  2. The term does not include any machine or other device used directly by a customer to access the Internet unless the machine or other device is made available to the customer by the person making the loan or any agent, affiliate or subsidiary of the person.  (Added to NRS by 2005, 1683; A 2007, 931)
NV Rev Stat § 604A.020 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.020 - Cashing" defined.

Cashing means providing currency or a negotiable instrument in exchange for a check.  (Added to NRS by 2005, 1684)
NV Rev Stat § 604A.025 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.025 - "Check" defined.

  1. "Check" means:  (a) A draft, other than a documentary draft, payable on demand and drawn on a bank; or  (b) A cashier’s check or teller’s check.  2. An instrument may be a check even though it is described on its face by another term, such as "money order."  (Added to NRS by 2005, 1684)
NV Rev Stat § 604A.030 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.030 - "Check-cashing service" defined.

Check-cashing service means any person engaged in the business of cashing checks for a fee, service charge or other consideration.  (Added to NRS by 2005, 1684)
NV Rev Stat § 604A.035 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.035 - Commissioner" defined.

Commissioner means the Commissioner of Financial Institutions.  (Added to NRS by 2005, 1684)
NV Rev Stat § 604A.036 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.036 - "Consumer credit" defined.

Consumer credit means a loan made to a natural person to finance the purchase of goods that directly satisfy human wants or to defray personal or family expenses, not including:  1. A residential mortgage; or  2. A loan procured in the course of purchasing a car or other personal property, when that loan is offered for the express purpose of financing the purchase and is secured by the car or personal property procured.  (Added to NRS by 2019, 940)
NV Rev Stat § 604A.038 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.038 - "Covered service member" defined.

Covered service member means a member of the Armed Forces of the United States who is:  1. On active duty under a call or order to deploy with a military unit, or as an individual in support of a military operation, for a period of not less than 30 days; or  2. A member of the National Guard and Reserve on active duty orders.  (Added to NRS by 2019, 940)
NV Rev Stat § 604A.040 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.040 - Customer" defined.

Customer means any person who receives or attempts to receive check-cashing services, deferred deposit loan services, high-interest loan services or title loan services from another person.  (Added to NRS by 2005, 1684; A 2007, 932)
NV Rev Stat § 604A.045 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.045 - "Default" defined.

  1. "Default" means the failure of a customer to:  (a) Make a scheduled payment on a loan on or before the due date for the payment under the terms of a lawful loan agreement that complies with the provisions of NRS 604A.501, subsection 2 of NRS 604A.5029, NRS 604A.5037, subsection 2 of NRS 604A.5057 or NRS 604A.5074, as applicable, and any grace period that complies with the provisions of NRS 604A.210; or  (b) Pay a loan in full on or before the expiration of the loan period as set forth in a lawful loan agreement that complies with the provisions of NRS 604A.501, subsection 2 of NRS 604A.5029, NRS 604A.5037, subsection 2 of NRS 604A.5057 or NRS 604A.5074, as applicable, and any grace period that complies with the provisions of NRS 604A.210.  2. A default occurs on the day immediately following the date of the customer’s failure to perform as described in subsection 1.  (Added to NRS by 2005, 1684; A 2017, 1439)
NV Rev Stat § 604A.050 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.050 - "Deferred deposit loan" defined.

Deferred deposit loan means a transaction in which, pursuant to a loan agreement:  1. A customer tenders to another person:  (a) A personal check drawn upon the account of the customer; or  (b) Written authorization for an electronic transfer of money for a specified amount from the account of the customer; and  2. The other person:  (a) Provides to the customer an amount of money that is equal to the face value of the check or the amount specified in the written authorization for an electronic transfer of money, less any fee charged for the transaction; and  (b) Agrees, for a specified period, not to cash the check or execute an electronic transfer of money for the amount specified in the written authorization.  (Added to NRS by 2005, 1684)
NV Rev Stat § 604A.055 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.055 - "Deferred deposit loan service" defined.

Deferred deposit loan service means any person engaged in the business of making deferred deposit loans for a fee, service charge or other consideration.  (Added to NRS by 2005, 1684)
NV Rev Stat § 604A.057 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.057 - "Dependent" defined.

Dependent means:  1. The spouse of a covered service member;  2. A child of a covered service member who:  (a) Is less than 21 years of age;  (b) Is less than 23 years of age and is enrolled in a full-time course of study at an institution of higher learning and is in fact dependent on the covered service member for over one-half of the child’s support; or  (c) Is incapable of self-support because of a mental or physical incapacity that occurred while the child was a person described by paragraph (a) or (b);  3. A parent or parent-in-law of a covered service member who is in fact dependent on the covered service member for over one-half of his or her support and who resides in the household of the covered service member;  4. An unmarried person who:  (a) Is placed in the legal custody of the covered service member as a result of an order of a court of competent jurisdiction for a period of at least 12 consecutive months;  (b) Is:  (1) Less than 21 years of age;  (2) Less than 23 years of age and is enrolled in a full-time course of study at an institution of higher learning and is in fact dependent on the covered service member for over one-half of the person’s support; or  (3) Incapable of self-support because of a mental or physical incapacity that occurred while the person was a person described by subparagraph (1) or (2);  (c) Is dependent on the covered service member for over one-half of the person’s support;  (d) Resides with the covered service member unless separated by the necessity of military service or to receive institutional care as a result of disability or incapacitation or under such other circumstances as the Commissioner may prescribe; and  (e) Is not a dependent of a covered service member under subsection 1, 2 or 3.  (Added to NRS by 2019, 941)
NV Rev Stat § 604A.060 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.060 - "Electronic transfer of money" defined.

Electronic transfer of money means any transfer of money, other than a transaction initiated by a check or other similar instrument, that is initiated through an electronic terminal, telephone, computer or magnetic tape for the purpose of ordering, instructing or authorizing a financial institution to debit or credit an account.  (Added to NRS by 2005, 1684)
NV Rev Stat § 604A.065 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.065 - "Extension" defined.

  1. "Extension" means any extension or rollover of a loan beyond the date on which the loan is required to be paid in full under the original terms of the loan agreement, regardless of the name given to the extension or rollover.  2. The term does not include a grace period.  (Added to NRS by 2005, 1685)
NV Rev Stat § 604A.070 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.070 - "Grace period" defined.

  1. "Grace period" means any period of deferment offered gratuitously by a licensee to a customer if the licensee complies with the provisions of NRS 604A.210.  2. The term does not include an extension of a loan that complies with the provisions of NRS 604A.501, subsection 2 of NRS 604A.5029, NRS 604A.5037, subsection 2 of NRS 604A.5057 or NRS 604A.5074, as applicable.  (Added to NRS by 2005, 1685; A 2017, 1439)
NV Rev Stat § 604A.0703 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.0703 - "High-interest loan" defined.

  1. "High-interest loan" means a loan made to a customer pursuant to a loan agreement which, under its original terms, charges an annual percentage rate of more than 40 percent.  2. The term includes, without limitation, any single-payment loan, installment loan, open-ended loan or contract for the lease of an animal for a purpose other than a business, commercial or agricultural purpose which, under the original terms of the loan or contract, charges an annual percentage rate of more than 40 percent.  3. The term does not include:  (a) A deferred deposit loan;  (b) A refund anticipation loan; or  (c) A title loan.  (Added to NRS by 2007, 930; A 2017, 1439)
NV Rev Stat § 604A.0705 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.0705 - "High-interest loan service" defined.

High-interest loan service means any person engaged in the business of providing high-interest loans for a fee, service charge or other consideration.  (Added to NRS by 2007, 930)
NV Rev Stat § 604A.075 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.075 - "Licensee" defined.

Licensee means any person who has been issued one or more licenses to operate a check-cashing service, deferred deposit loan service, high-interest loan service or title loan service pursuant to the provisions of this chapter.  (Added to NRS by 2005, 1685; A 2007, 932)
NV Rev Stat § 604A.080 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.080 - "Loan" defined.

Loan means any deferred deposit loan, high-interest loan or title loan, or any extension or repayment plan relating to such a loan, made at any location or through any method, including, without limitation, at a kiosk, through the Internet, through any telephone, facsimile machine or other telecommunication device or through any other machine, network, system, device or means.  (Added to NRS by 2005, 1685; A 2007, 932)
NV Rev Stat § 604A.085 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.085 - "Refund anticipation loan" defined.

Refund anticipation loan means a loan offered or made to a taxpayer by a lender or through a facilitator based on the taxpayer’s anticipated federal income tax refund.  (Added to NRS by 2005, 1685)
NV Rev Stat § 604A.090 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.090 - "Regulation Z" defined.

Regulation Z means the federal regulations, as amended, 12 C.F.R. Part 226, adopted pursuant to the Truth in Lending Act and commonly known as Regulation Z.  (Added to NRS by 2005, 1685)
NV Rev Stat § 604A.105 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.105 - "Title loan" defined.

  1. "Title loan" means a loan made to a customer pursuant to a loan agreement which, under its original terms:  (a) Charges an annual percentage rate of more than 35 percent; and  (b) Requires the customer to secure the loan by either:  (1) Giving possession of the title to a vehicle legally owned by the customer to the licensee or any agent, affiliate or subsidiary of the licensee; or  (2) Perfecting a security interest in the vehicle by having the name of the licensee or any agent, affiliate or subsidiary of the licensee noted on the title as a lienholder.  2. The term does not include a loan which creates a purchase-money security interest in a vehicle or the refinancing of any such loan.  (Added to NRS by 2005, 1685; A 2007, 932)
NV Rev Stat § 604A.110 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.110 - "Title loan service" defined.

Title loan service means any person engaged in the business of providing title loans for a fee, service charge or other consideration.  (Added to NRS by 2005, 1686)
NV Rev Stat § 604A.115 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.115 - "Title to a vehicle" or "title" defined.

Title to a vehicle or "title" means a certificate of title or ownership issued pursuant to the laws of this State that identifies the legal owner of a vehicle or any similar document issued pursuant to the laws of another jurisdiction.  (Added to NRS by 2005, 1686)
NV Rev Stat § 604A.120 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.120 - "Truth in Lending Act" defined.

Truth in Lending Act means the federal Truth in Lending Act, as amended, 15 U.S.C. §§ 1601 et seq.  (Added to NRS by 2005, 1686)
NV Rev Stat § 604A.125 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.125 - "Vehicle" defined.

  1. "Vehicle" means any vehicle, whether or not self-propelled, that is designed or intended for land transportation if the legal owner of the vehicle is required to have a title.  2. The term includes, without limitation:  (a) Passenger vehicles;  (b) Recreational vehicles; and  (c) House trailers and travel trailers.  3. The term does not include:  (a) Farm vehicles;  (b) Vehicles of a common or contract carrier;  (c) Commercial vehicles;  (d) Construction vehicles;  (e) Military vehicles;  (f) Vehicles used exclusively upon stationary rails or tracks; or  (g) Any other vehicles which are similar in nature to the vehicles listed in paragraphs (a) to (f), inclusive, and which the Commissioner, by regulation, excludes from the definition of "vehicle."  (Added to NRS by 2005, 1686)
NV Rev Stat § 604A.150 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.150 - Additional terms defined under federal law; calculation of amount financed, annual percentage rate and finance charge.

  1. As used in this chapter, unless the context otherwise requires, the following terms have the meanings ascribed to them in the Truth in Lending Act and Regulation Z:  (a) "Amount financed."  (b) "Annual percentage rate."  (c) "Finance charge."  (d) "Payment schedule."  (e) "Total of payments."  2. For the purposes of this chapter, proper calculation of the amount financed, annual percentage rate and finance charge for a loan must be made in accordance with the Truth in Lending Act and Regulation Z.  (Added to NRS by 2005, 1686)
NV Rev Stat § 604A.200 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.200 - Application of chapter to persons who seek to evade its provisions.

The provisions of this chapter apply to any person who seeks to evade its application by any device, subterfuge or pretense, including, without limitation:  1. Calling a loan by any other name;  2. Using any agents, affiliates or subsidiaries in an attempt to avoid the application of the provisions of this chapter; or  3. Having any affiliation or other business arrangement with an entity that is exempt from the provisions of this chapter pursuant to subsection 1 of NRS 604A.250, the effect of which is to evade the provisions of this chapter, including, without limitation, making a loan while purporting to be the agent of such an exempt entity where the purported agent holds, acquires or maintains a preponderant economic interest in the revenues generated by the loan.  (Added to NRS by 2005, 1686; A 2007, 932)
NV Rev Stat § 604A.210 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.210 - Chapter does not prohibit licensee from offering customer grace period; restrictions.

  1. The provisions of this chapter do not prohibit a licensee from offering a customer a grace period on the repayment of a loan or an extension of a loan, except that the licensee shall not grant a grace period for the purpose of artificially increasing the amount which a customer would otherwise qualify to borrow.  2. Except in compliance with the provisions of NRS 604A.501, subsection 2 of NRS 604A.5029, NRS 604A.5037, subsection 2 of NRS 604A.5057 or NRS 604A.5074, where they apply, a licensee shall not:  (a) Condition the granting of the grace period on the customer making any new loan agreement or adding any addendum or term to an existing loan agreement; or  (b) Charge the customer interest at a rate in excess of that described in the existing loan agreement.  (Added to NRS by 2005, 1686; A 2017, 1439)
NV Rev Stat § 604A.220 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.220 - Uniformity of application and construction; resolution of conflicts.

  1. The provisions of this chapter must be interpreted so as to effectuate their general purpose to provide for, to the extent practicable, uniform regulation of the loans and transactions that are subject to the provisions of this chapter.  2. If there is a conflict between the provisions of this chapter and the provisions of any other general law regulating loans and similar transactions, the provisions of this chapter control.  (Added to NRS by 2005, 1686)
NV Rev Stat § 604A.230 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.230 - Effect of amendment or repeal of chapter on preexisting lawful contracts.

This chapter or any part thereof may be modified, amended or repealed by the Legislature so as to effect a cancellation or alteration of any license or right of a licensee under this chapter, provided that such cancellation or alteration shall not impair or affect the obligation of any preexisting lawful loan agreement between any licensee and any customer.  (Added to NRS by 2005, 1687)