reglab/housing_qa huggingface dataset:
NJ Rev Stat § 45:22-13 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22-13 - Pawnbroker's records; details of

45:22-13. Pawnbroker's records; details of  Every pawnbroker shall keep a book in which shall be recorded, in ink, at the time of making each loan, the name and address of the pledgor, or, where a pledge is made by a person acting as agent for a disclosed principal, the names and addresses of principal and agent; the date of the transaction; amount of the loan; the article or articles pledged; and the serial number of the loan. There shall also be recorded in such book the date on which each loan was canceled, and whether it was redeemed or renewed or whether the collateral was sold at auction. In a separate book the licensee shall record, in ink, all sales of unredeemed pledges, showing number, date, amount, and duration of each loan, the date of sale, the amount realized from the sale of the collateral, the amount charged to the pledgor as interest, commission and expenses of sale, the amount of the surplus or deficit, as the case may be, the date on which and the person to whom the surplus, if any, was paid. All entries herein provided for shall be made in the English language.
NJ Rev Stat § 45:22-14 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22-14 - Pawnbroker to keep identification cards

45:22-14. Pawnbroker to keep identification cards  The pawnbroker shall at the time of making a loan require the pledgor or his agent to write his signature and address on a card bearing the serial number of the loan corresponding to that recorded in the pawnbroker's book, as provided in section 45:22-13 of this title. If such person is unable to write, he shall sign by mark, and in such event the pawnbroker shall record on the signature card such information as will enable him to identify the person in case of the loss of the ticket.
NJ Rev Stat § 45:22-15 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22-15 - Pledgor's ticket; contents

45:22-15. Pledgor's ticket; contents  The pawnbroker shall, at such time, deliver to the pledgor or his agent a memorandum or ticket on which shall be legibly written or printed the name of the pledgor; the name of the pawnbroker and the place where the pledge is made; the article or articles pledged; the amount of the loan; the date of the transaction; the serial number of the loan; the rate of interest; and a copy of sections 45:22-22 and 45:22-24 of this title. A pawnbroker may insert in such ticket any other terms and conditions not inconsistent with the provisions of this article. Nothing appearing on a pawn ticket shall relieve the pawnbroker of the obligation to exercise reasonable care as provided in this article in the safe-keeping of articles pledged with him.
NJ Rev Stat § 45:22-16 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22-16 - Redemption by holder of ticket

45:22-16. Redemption by holder of ticket  Except as otherwise herein provided, the holder of such ticket shall be presumed to be the person entitled to redeem the pledge, and the pawnbroker shall deliver the pledge to the person presenting the ticket upon payment of principal and interest.
NJ Rev Stat § 45:22-17 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22-17 - Redemption by mail or express; if sum insufficient

45:22-17. Redemption by mail or express; if sum insufficient  When a ticket, instead of being presented in person, is sent to the pawnbroker by mail or express, accompanied with a money order or bank draft for the amount due, including the charges for shipment as desired, and twenty-five cents for packing, the pledge shall be securely packed and forwarded by the pawnbroker in accordance with the remitter's instructions, if any. If the remittance is insufficient to cover the amount due, the charges of shipment as desired, and packing, the pawnbroker shall either notify the remitter of the amount of the deficiency or send the pledge subject to the payment of shipping charges by the consignee. The pawnbroker's liability for the pledge shall cease upon delivery thereof to the carrier or his agent.
NJ Rev Stat § 45:22-18 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22-18 - Payment by installments

45:22-18. Payment by installments  Upon the presentation of the ticket, and the tender of not less than five dollars as an installment on the principal together with accrued interest, the pawnbroker shall accept the same and issue a new ticket for the reduced amount.
NJ Rev Stat § 45:22-19 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22-19 - Lost or destroyed ticket; new ticket on affidavit

45:22-19. Lost or destroyed ticket; new ticket on affidavit  If the ticket be lost, destroyed or stolen, the pledgor shall so notify the pawnbroker in writing. The receipt of such notice shall be treated by the pawnbroker as a stop against the loan, and thereafter the provisions of sections 45:22-16 to 45:22-18 of this title shall not apply to such loans. Before delivering the collateral or issuing a new ticket, in such event, the pawnbroker shall require the pledgor to make affidavit of the alleged loss, destruction, or theft of the ticket. Upon receipt of such affidavit, the pawnbroker shall permit the pledgor either to redeem the loan or to receive a new ticket upon the payment of accrued interest, and the pawnbroker shall incur no liability for so doing, unless he has previously received written notice of any adverse claim.
NJ Rev Stat § 45:22-20 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22-20 - Alteration of ticket; not to affect liability

45:22-20. Alteration of ticket; not to affect liability  The alteration of a ticket shall not excuse the pawnbroker who issued it from liability to deliver the pledge according to the terms of the ticket as originally issued, but shall relieve him of any other liability to the pledgor or holder of the ticket.
NJ Rev Stat § 45:22-21 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22-21 - Spurious tickets

45:22-21. Spurious tickets  If a ticket is presented to a pawnbroker which purports to be one issued by him, but which is found to be spurious, the pawnbroker may seize and retain same without any liability whatsoever to the holder thereof. Any such tickets so seized shall be delivered to the commissioner of banking and insurance.
NJ Rev Stat § 45:22-22 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22-22 - Interest chargeable; exceptions.

45:22-22 Interest chargeable; exceptions.  45:22-22. Notwithstanding the provisions of N.J.S.2C:21-19 to the contrary, a pawnbroker shall not charge or receive interest on a loan in excess of 4.5% per month or a fraction thereof, except that he may charge $1.50 where the interest herein amounts to less. In no event shall any other charges be made for any reason whatsoever, except as permitted by the Commissioner of Banking and Insurance. amended 1957, c.129; 1984, c.84, s.1; 2001, c.388, s.2; 2013, c.213.
NJ Rev Stat § 45:22-23 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22-23 - Receipts on redemption, renewal or reduction of loan

45:22-23. Receipts on redemption, renewal or reduction of loan  A pawnbroker when requested for a receipt at the time of redemption, renewal or reduction of a loan, shall furnish to the person redeeming, renewing or reducing the loan, a receipt setting forth the name of the pawnbroker, his address, the date and number of the pledge, the amount of principal and interest, and the date of the payment for redemption, renewal or reduction of the loan.
NJ Rev Stat § 45:22-24 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22-24 - Pawnbroker's liability; degree of care required; burden of proof

45:22-24. Pawnbroker's liability; degree of care required; burden of proof  A pawnbroker shall be liable for the loss of a pledge or part thereof, or for injury thereto, whether caused by fire, theft, burglary or otherwise, resulting from his failure to exercise reasonable care in regard to it, but he shall not be liable, in the absence of an express agreement to the contrary, for the loss of a pledge or part thereof, or for injury thereto, which could not have been avoided by the exercise of such care. The burden of proof to establish reasonable care shall be upon the pawnbroker.
NJ Rev Stat § 45:22-25 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22-25 - Period of redemption; sale of unredeemed pledges.

45:22-25 Period of redemption; sale of unredeemed pledges.  45:22-25. All unredeemed pledges shall be sold at public auction or private sale, but not before the expiration of twelve months from the date of the loan, unless otherwise agreed in writing between the pawnbroker and the pledgor, or authorized by the Commissioner of Banking and Insurance for due cause shown. Amended 2001, c.388, s.3.
NJ Rev Stat § 45:22-26 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22-26 - Sale by auction or private sale; notice of proposed sale.

45:22-26 Sale by auction or private sale; notice of proposed sale.  45:22-26. All unredeemed pledges shall be sold at public auction or private sale, but not before a notice in writing shall have first been mailed subsequent to the date of maturity of the loan, to the last known address of the pledgor and at least twenty days prior to the date of such public or private sale. Amended 2001, c.388, s.4.
NJ Rev Stat § 45:22-27 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22-27 - Disposition of proceeds, surplus.

45:22-27 Disposition of proceeds, surplus.  45:22-27. The proceeds of such sale by public auction or private sale shall be applied for the purposes and in the order here specified; auctioneer's charges, if any; principal and interest of the loan; and a proportionate share of the expense of publishing any notice of the sale, as well as a proportionate share of other specified written or printed notice sent by mail, determined by dividing the total expense of such inclusive notice by the number of loans sold. The surplus, if any, shall be paid, upon proof of identification, to the pledgor or anyone else who would have been entitled to redeem the pledge if it had not been sold. Notice of such surplus, if any, shall be mailed to the last known address of the pledgor, within thirty days after the sale. Amended 2001, c.388, s.5.45:22-31 Pawnbroker not to accept pledge from persons under 16.
NJ Rev Stat § 45:22-28 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22-28 - Surplus belongs to pawnbroker after five years

45:22-28. Surplus belongs to pawnbroker after five years  If a surplus be not paid or claimed within five years from the date on which it accrued, it shall revert to the pawnbroker for his own use and benefit. Interest on unpaid surplus, at the rate of six per cent per annum, shall accrue only after the pawnbroker's refusal to pay the same, upon lawful demand thereof.
NJ Rev Stat § 45:22-29 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22-29 - Pledge delivered on surrender of ticket or ticket impounded

45:22-29. Pledge delivered on surrender of ticket or ticket impounded  Except as otherwise provided in this article, a pawnbroker shall not be required, by legal process or otherwise, to deliver a pledge except upon surrender of the ticket, unless the ticket be impounded or its negotiation enjoined by a court of competent jurisdiction.
NJ Rev Stat § 45:22-30 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22-30 - If rival claimants; interpleading parties in actions against pawnbroker

45:22-30. If rival claimants; interpleading parties in actions against pawnbroker  If more than one person shall claim the right to redeem a pledge, the pawnbroker shall incur no liability for refusing to deliver the pledge until the respective rights of the claimants shall have been adjudicated. In case action be brought against the pawnbroker for recovery of the pledge, he may, as a defense, require all known claimants to interplead. If no action be brought against the pawnbroker by either party within the period for which he is required, under this article to hold the pledge, or within thirty days of notice of an adverse claim, he may proceed to sell the pledge and hold the surplus, if any, subject to adjudication or other adjustment of the parties' rights.
NJ Rev Stat § 45:22-31 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22-31 - Pawnbrowker not to accept pledge for persons under 16

45:22-31. Pawnbrowker not to accept pledge for persons under 16  45:22-31. A pawnbroker shall not: a. Accept a pledge from any person who is under the age of sixteen years. b. (Deleted by amendment, P.L.2001, c.388.) Amended 2001, c.388, s.6.
NJ Rev Stat § 45:22-32 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22-32 - Violations of article misdemeanors

45:22-32. Violations of article misdemeanors  Any person who shall violate any of the provisions of this article shall be guilty of a misdemeanor, punishable by a fine of not less than one hundred dollars, nor more than five hundred dollars.
NJ Rev Stat § 45:22-33 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22-33 - Affidavit of ownership of mechanic's tools pledged or pawned

45:22-33. Affidavit of ownership of mechanic's tools pledged or pawned  No pawnbroker, his agent or attorney, shall receive, by way of pledge or pawn, from any person any mechanic's tools used in the erection, addition or alteration of any building or structure, unless said person produces before said pawnbroker, his agent or attorney, two reputable citizens who reside in the county in which the pawnbroker is doing business, and who shall respectively subscribe to an affidavit containing the name, residence and occupation of such affiant, and setting forth that said affiant verily believes that the person desiring to pledge said mechanic's tools is the true owner thereof. Every such affidavit shall be kept on file by the pawnbroker and a note thereof made in his book and shall be subject to the same inspection as his books, and the pawnbroker shall furnish without charge a true copy of said affidavit to each person making the same. A pawnbroker who violates any of the provisions of this section shall be guilty of a misdemeanor.
NJ Rev Stat § 45:22-34 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22-34 - Daily report to police of pledges and redemptions; penalty

45:22-34. Daily report to police of pledges and redemptions; penalty  All pawnbrokers or dealers in secondhand goods, in addition to keeping a proper record of the deposit and redemption of all goods and pledges shall, each day, except Sunday, before eleven o'clock in the forenoon, deliver to the chief of police, or other head of the police department of the municipality having an established police department and in which said pawnbroker or dealer has his place of business, a legible and correct transcript, on blank forms to be furnished by said police department, from the book or books in which said pawnbroker or dealer keeps his record of the deposit or redemption of goods and pledges, showing the description of each article or thing received by him during the business day immediately preceding the filing of the report, together with the amount of money loaned thereon, and a description of the person making the pledge. In the case of business done on Saturday such report shall be delivered to the chief of police or head of the police department before eleven o'clock A.M. of the succeeding Monday. Any pawnbroker or dealer in secondhand goods who fails to comply with the provisions of this section shall forfeit and pay to the municipality wherein he has his place of business a fine or penalty of one hundred dollars for each and every offense.
NJ Rev Stat § 45:22-35 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22-35 - Marking "secondhand" watches

45:22-35. Marking "secondhand" watches  Any person or persons, firm or firms, partnership or partnerships, association or associations, corporation or corporations, engaged in the business of buying or selling watches, or any agent or servant thereof, who may sell or exchange, or offer for sale or exchange, expose for sale or exchange, possess with the intent to sell or exchange, or display with the intent to sell or exchange any secondhand watch, shall affix and keep affixed to the same a tag with the words "second-hand" clearly and legibly written or printed thereon, and the said tag shall be so placed that the words "second-hand" shall be in plain sight at all times. L.1939, c. 55, p. 80, s. 1.
NJ Rev Stat § 45:22-36 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22-36 - Special invoice required

45:22-36. Special invoice required  Any person or persons, firm or firms, partnership or partnerships, association or associations, corporation or corporations, engaged in the business of buying or selling watches, or any agent or servant thereof, who may sell a second-hand watch or in any other way pass title thereto shall deliver to the vendee a written invoice bearing the words "second-hand watch" in bold letters, larger than any of the other written matter upon said invoice. Said invoice shall further set forth the name and address of the vendor, the name and address of the vendee, the date of the sale, the name of the watch or its maker, and the serial numbers (if any), and any other distinguishing numbers or identification marks upon its case and movement. If the serial numbers or other distinguishing numbers or identification marks shall have been erased, defaced, removed, altered or covered, said invoice shall so state. The vendor shall keep on file a duplicate of said invoice for at least five years from the date of the sale thereof, which shall be open to inspection during all business hours by the prosecutor of the pleas of the county, in which the vendor is engaged in business or his duly authorized representative. L.1939, c. 55, p. 80, s. 2.
NJ Rev Stat § 45:22-37 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22-37 - Advertising "secondhand" watches

45:22-37. Advertising "secondhand" watches  Any person or persons, firm or firms, partnership or partnerships, association or associations, corporation or corporations, or any agent or servant thereof, who may advertise or display in any manner a second-hand watch for sale or exchange shall state clearly in such advertisement or display that said watch is a second-hand watch. L.1939, c. 55, p. 81, s. 3.
NJ Rev Stat § 45:22-38 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22-38 - Definition of "secondhand" watch

45:22-38. Definition of "secondhand" watch  A watch shall be deemed to be second-hand if (a) It as a whole or the case thereof or the movement thereof has been previously sold to or acquired by any person who bought or acquired the same for his use or the use of another, but not for resale; provided, however, that a watch which has been so sold or acquired and is thereafter returned either through an exchange or for credit to the original individual firm, partnership, association or corporation who sold or passed title to such watch, shall not be deemed to be a second-hand watch for the purposes of this act, if such vendor shall keep a written or printed record setting forth the name of the purchaser thereof, the date of the sale or transfer thereof, and the serial number (if any) on the case and the movement, and any other distinguishing numbers or identification marks, which said record shall be kept for at least five years from the date of such sale or transfer and shall be open for inspection during all business hours by the prosecutor of the pleas of the county in which such vendor is engaged in business or his duly authorized representative; or (b) Its case serial numbers or movement numbers or other distinguishing numbers or identification marks shall be erased, defaced, removed, altered or covered; or (c) If its movement is more than five years old and has been repaired by any person or persons, including the vendor, notwithstanding that it may have been returned either through an exchange or for credit to the said original vendor. Cleaning and oiling a watch movement or recasing the movement in a new case shall not be deemed a watch repair for the purposes of this section. L.1939, c. 55, p. 81, s. 4.
NJ Rev Stat § 45:22-39 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22-39 - Penalty

45:22-39. Penalty  Any person or persons, firm or firms, partnership or partnerships, association or associations, corporation or corporations, or any agent or servant thereof, who shall violate any of the provisions of this act shall be guilty of a misdemeanor and shall be punishable by a fine not to exceed the sum of five hundred dollars ($500.00) or by imprisonment not to exceed one hundred days, or both. L.1939, c. 55, p. 82, s. 5.
NJ Rev Stat § 45:22-40 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22-40 - Pawnbroker's auction sales excepted

45:22-40. Pawnbroker's auction sales excepted  The provisions of this act shall not apply to pawnbroker's auction sales or unredeemed pledges. L.1939, c. 55, p. 82, s. 6.
NJ Rev Stat § 45:22A-1 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22A-1 - Short title

45:22A-1. Short title  This act may be cited as the "Retirement Community Full Disclosure Act." L.1969, c. 215, s. 1.
NJ Rev Stat § 45:22A-3 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22A-3 - Administration of act

45:22A-3. Administration of act  This act shall be administered by the Division of Housing and Urban Renewal, State Department of Community Affairs, which hereinafter is called the agency. L.1969, c. 215, s. 3.
NJ Rev Stat § 45:22A-4 (2021)
2021 New Jersey Revised Statutes|Title 45 - Professions and Occupations|Section 45:22A-4 - Application of act; exemptions

45:22A-4. Application of act; exemptions  Unless the method of disposition is adopted for the purpose of evasion of this act, the provisions of this act do not apply to offers or dispositions of an interest in land by a purchaser of subdivided lands for his own account in a single or isolated transaction; nor shall the provisions of this act apply to the following: (a) Offers or dispositions of evidences of indebtedness secured by a mortgage or deed of trust of real estate; (b) Offers or dispositions of securities or units of interest issued by a real estate investment trust regulated under any State or Federal Statute; (c) The sale or lease of real estate under or pursuant to court order; (d) A subdivision as to which the agency has granted an exemption as provided in section 11. (e) Deleted by amendment. L.1969, c. 215, s. 4. Amended by L.1975, c. 335, s. 2, eff. March 3, 1976.