reglab/housing_qa huggingface dataset:
CT Gen Stat § 42-390 (2020)
2020 Connecticut General Statutes|Title 42 - Business, Selling, Trading and Collection Practices|Chapter 743aa - Consumer Leases|Section 42-390 - Short title: Consumer Leases Act.

 Sections 42-270 to 42-271a, inclusive, and 42-390 to 42-434, inclusive, may be cited as the Consumer Leases Act.(P.A. 02-81, S. 1; P.A. 09-134, S. 2.)History: P.A. 02-81 effective July 1, 2003; P.A. 09-134 changed short title from “Uniform Consumer Leases Act” to “Consumer Leases Act”.
CT Gen Stat § 42-392 (2020)
2020 Connecticut General Statutes|Title 42 - Business, Selling, Trading and Collection Practices|Chapter 743aa - Consumer Leases|Section 42-392 - Time of consummation. Expiration. Termination.

 (a) Consummation of a consumer lease occurs when the lessee signs a record evidencing the lessee's contractual obligation under the lease. A lessee may consummate a consumer lease even if it is subject to subsequent credit or other approval by the lessor or an assignee of the lessor.(b) Expiration of a consumer lease occurs at the scheduled end of the period covered by the lease.(c) Termination of a consumer lease occurs when the lessee's right to continued possession and use of the goods ends by virtue of:(1) Expiration of the lease;(2) Election by one of the parties to terminate before expiration, as provided in the lease; or(3) Agreement of the parties.(P.A. 02-81, S. 3.)History: P.A. 02-81 effective July 1, 2003.
CT Gen Stat § 42-393 (2020)
2020 Connecticut General Statutes|Title 42 - Business, Selling, Trading and Collection Practices|Chapter 743aa - Consumer Leases|Section 42-393 - Scope. Exclusions. Sale incident to lease.

 (a) Except as otherwise provided in subsections (b) to (e), inclusive, of this section, sections 42-270 to 42-271a, inclusive, and 42-390 to 42-434, inclusive, apply to a consumer lease.(b) Sections 42-270 to 42-271a, inclusive, and 42-390 to 42-434, inclusive, do not apply to a consumer lease unless the lessor has leased goods under a consumer lease more than five times in the preceding calendar year or more than five times in the current calendar year.(c) Sections 42-270 to 42-271a, inclusive, and 42-390 to 42-434, inclusive, do not apply to a lease of:(1) A safe deposit box;(2) Goods incidental to a lease of real property under which the lessee: (A) Has no liability for the value of the goods at the end of the lease period except for abnormal wear and use; and (B) has no option to purchase the goods; or(3) Goods incidental to a contract for the sale of goods or services.(d) If a transaction that is predominantly a consumer lease includes an incidental sale of goods, services or other benefits, including accessories, insurance, an extended warranty, a maintenance agreement or a service contract, the incidental sale is not subject to sections 36a-770 to 36a-788, inclusive, 42-100b, 42-100c and 42-125aa to 42-125cc, inclusive.(e) A provision in a consumer lease for payment of governmental, license or registration fees; taxes related to the lease; or an amount necessary to discharge a security interest in, a lien on, or a debt with respect to, property traded in, or to satisfy an obligation owed on a previous lease, does not make the payment subject to sections 36a-555 to 36a-573, inclusive, 36a-675 to 36a-685, inclusive, 36a-770 to 36a-788, inclusive, 42-100b, 42-100c and 42-125aa to 42-125cc, inclusive.(P.A. 02-81, S. 4.)History: P.A. 02-81 effective July 1, 2003.
CT Gen Stat § 42-394 (2020)
2020 Connecticut General Statutes|Title 42 - Business, Selling, Trading and Collection Practices|Chapter 743aa - Consumer Leases|Section 42-394 - Characterization of lease. Applicability by agreement.

 (a) A consumer lease may not be deemed a credit sale, loan or security interest to make the transaction subject to coverage by other law in lieu of sections 42-270 to 42-271a, inclusive, and 42-390 to 42-434, inclusive.(b) The parties to a lease that is not subject to sections 42-270 to 42-271a, inclusive, and 42-390 to 42-434, inclusive, may agree in the lease, or in a contemporaneous record, that sections 42-270 to 42-271a, inclusive, and 42-390 to 42-434, inclusive, apply to the lease.(c) The parties to a consumer lease may not agree that the transaction is governed by other law in lieu of sections 42-270 to 42-271a, inclusive, and 42-390 to 42-434, inclusive.(P.A. 02-81, S. 5.)History: P.A. 02-81 effective July 1, 2003.
CT Gen Stat § 42-395 (2020)
2020 Connecticut General Statutes|Title 42 - Business, Selling, Trading and Collection Practices|Chapter 743aa - Consumer Leases|Section 42-395 - Supplemental provisions and principles of law applicable. Limitations. Restrictions.

 The provisions of sections 42-270 to 42-271a, inclusive, and 42-390 to 42-434, inclusive, are supplemented by other applicable statutory provisions and by general principles of law and equity, including the law merchant and the law relative to capacity to contract, principal and agent, estoppel, fraud, misrepresentation, duress, coercion, mistake, bankruptcy and other validating or invalidating cause, unless those provisions or principles are displaced by or inconsistent with the provisions of sections 42-270 to 42-271a, inclusive, and 42-390 to 42-434, inclusive. Nothing in sections 42-270 to 42-271a, inclusive, and 42-390 to 42-434, inclusive, shall be construed to limit or restrict in any way any rights or remedies which may be available to a lessee or person under any other statutory provisions or under general principles of law and equity.(P.A. 02-81, S. 6.)History: P.A. 02-81 effective July 1, 2003.
CT Gen Stat § 42-396 (2020)
2020 Connecticut General Statutes|Title 42 - Business, Selling, Trading and Collection Practices|Chapter 743aa - Consumer Leases|Section 42-396 - Waiver. Agreement to forego rights in settlement of claim.

 (a) Except as otherwise permitted by sections 42-270 to 42-271a, inclusive, and 42-390 to 42-434, inclusive, a lessee may waive or agree to forego rights, benefits or remedies under sections 42-270 to 42-271a, inclusive, and 42-390 to 42-434, inclusive, only in settling a dispute or collection claim.(b) A settlement in which a lessee agrees to forego a right, benefit or remedy under sections 42-270 to 42-271a, inclusive, and 42-390 to 42-434, inclusive, is invalid if the court finds that the settlement was unconscionable when made.(P.A. 02-81, S. 7.)History: P.A. 02-81 effective July 1, 2003.
CT Gen Stat § 42-397 (2020)
2020 Connecticut General Statutes|Title 42 - Business, Selling, Trading and Collection Practices|Chapter 743aa - Consumer Leases|Section 42-397 - Limitation on choice of law and venue.

 (a) The parties to a consumer lease may not choose the law of a jurisdiction unless it is a jurisdiction in which:(1) The lessee principally resides when the lease is consummated;(2) The lessee will principally reside within thirty days after the lease is consummated;(3) The leased goods are to be used; or(4) Subject to subsection (b) of this section, the leased goods are physically received by the lessee.(b) If the law chosen by the parties to a consumer lease under subdivision (4) of subsection (a) of this section is the law of a jurisdiction other than this state and the holder acts or initiates an action in this state to enforce rights arising from the lease against a lessee who is a resident of this state, the following rules apply:(1) The holder's act or action is subject to sections 42-394, 42-395, 42-396, 42-398, and 42-399 and, except for a disclosure that would have been required by sections 42-270 to 42-271a, inclusive, and 42-390 to 42-434, inclusive, to be made before the holder's act or action, to sections 42-408 to 42-415, inclusive, and 42-418 to 42-423, inclusive.(2) The holder's act or action is subject to sections 42-424 to 42-431, inclusive, if the holder's act or action violates a provision of sections 42-270 to 42-271a, inclusive, and 42-390 to 42-434, inclusive, made applicable by this subsection.(c) Notwithstanding any provision in a consumer lease, an action by a holder against a lessee to enforce the holder's rights under the lease must be brought in the venue of the lessee's residence.(d) Notwithstanding any provision in a consumer lease, a lessee may maintain an action against a holder in any judicial forum that otherwise has jurisdiction over the holder.(P.A. 02-81, S. 8.)History: P.A. 02-81 effective July 1, 2003.
CT Gen Stat § 42-398 (2020)
2020 Connecticut General Statutes|Title 42 - Business, Selling, Trading and Collection Practices|Chapter 743aa - Consumer Leases|Section 42-398 - Obligation of good faith.

 Every contract subject to, or duty imposed by, sections 42-270 to 42-271a, inclusive, and 42-390 to 42-434, inclusive, imposes an obligation of good faith in its performance or enforcement.(P.A. 02-81, S. 9.)History: P.A. 02-81 effective July 1, 2003.
CT Gen Stat § 42-399 (2020)
2020 Connecticut General Statutes|Title 42 - Business, Selling, Trading and Collection Practices|Chapter 743aa - Consumer Leases|Section 42-399 - Unconscionability.

 (a) If the court as a matter of law finds that a consumer lease or any provision of the lease was unconscionable when the lease was consummated, the court may refuse to enforce the lease, enforce the remainder of the lease without the unconscionable provision or so limit the application of an unconscionable provision as to avoid an unconscionable result.(b) If the court as a matter of law finds that a consumer lease or any provision of a consumer lease was induced by unconscionable conduct or that unconscionable conduct has occurred in the collection of a claim arising from the lease, the court may grant appropriate relief.(c) Before making a finding of unconscionability under subsection (a) or (b) of this section, the court shall afford the parties a reasonable opportunity to present evidence as to the setting, purpose and effect of the consumer lease, the provision or the conduct.(d) In an action in which the lessee claims unconscionability with respect to a consumer lease, the following rules apply:(1) If the court finds unconscionability under subsection (a) or (b) of this section, the court shall award reasonable attorney's fees to the lessee.(2) In determining the reasonableness of attorney's fees, the amount of the recovery on behalf of the claimant under subsection (a) or (b) of this section is not controlling.(P.A. 02-81, S. 10.)History: P.A. 02-81 effective July 1, 2003.
CT Gen Stat § 42-400 (2020)
2020 Connecticut General Statutes|Title 42 - Business, Selling, Trading and Collection Practices|Chapter 743aa - Consumer Leases|Section 42-400 - Relation to Electronic Signatures in Global and National Commerce Act.

 Sections 42-270 to 42-271a, inclusive, and 42-390 to 42-434, inclusive, modify, limit, and supersede the federal Electronic Signatures in Global and National Commerce Act, 15 USC Section 7001 et seq., except that nothing in sections 42-270 to 42-271a, inclusive, and 42-390 to 42-434, inclusive, modifies, limits, or supersedes Section 7001(c) of said act or authorizes electronic delivery of any of the notices described in Section 7003(b) of said act.(P.A. 02-81, S. 11.)History: P.A. 02-81 effective July 1, 2003.
CT Gen Stat § 42-401 (2020)
2020 Connecticut General Statutes|Title 42 - Business, Selling, Trading and Collection Practices|Chapter 743aa - Consumer Leases|Section 42-401 - Advertising.

 (a) In this section, “advertisement” means a commercial message in any medium that directly or indirectly promotes a consumer lease.(b) An advertisement must comply with the requirements of the federal Consumer Leasing Act for advertising. If the advertised lease is not subject to said act, the advertisement must comply with those requirements as if the advertised lease were subject to said act.(c) A person may not publish, broadcast or distribute a false, deceptive or misleading advertisement.(d) This section does not apply to a person acting solely as an owner or employee of a medium in which an advertisement appears or through which it is disseminated.(P.A. 02-81, S. 12.)History: P.A. 02-81 effective July 1, 2003.
CT Gen Stat § 42-402 (2020)
2020 Connecticut General Statutes|Title 42 - Business, Selling, Trading and Collection Practices|Chapter 743aa - Consumer Leases|Section 42-402 - Availability of sample lease form.

 (a) Before consummation of a consumer lease, a lessor, on request of an individual, shall promptly give a copy or reproduction of its current consumer lease form to the individual at the lessor's place of business. If a lessor contracts with lessees by mail, the lessor shall promptly send, on request by mail, a copy or reproduction of the form by mail. If a lessor contracts with lessees electronically, the lessor shall promptly make available, on electronic request, a copy or reproduction of the form by mail or electronically.(b) A lessor shall furnish the first copy or reproduction of the current lease form to an individual without charge but may impose a reasonable charge for additional copies or reproductions furnished to the same individual.(c) If a lessor uses more than one consumer lease form, the lessor satisfies this section by furnishing a form the lessor has reason to believe is pertinent to the type of lease about which the individual has inquired.(P.A. 02-81, S. 13.)History: P.A. 02-81 effective July 1, 2003.
CT Gen Stat § 42-403 (2020)
2020 Connecticut General Statutes|Title 42 - Business, Selling, Trading and Collection Practices|Chapter 743aa - Consumer Leases|Section 42-403 - Disclosure. Form of consumer lease. Copy to lessee.

 (a) A lessor shall make the disclosures required by the federal Consumer Leasing Act. If the lease is not subject to said act, the lessor shall make the disclosures as if the lease were subject to said act.(b) Before renegotiation or extension of a consumer lease, the holder shall make such new disclosures as are required by the federal Consumer Leasing Act. If the lease is not subject to said act, the holder shall make the disclosures as if the lease were subject to said act. A renegotiation occurs when a consumer lease is satisfied and replaced by a new consumer lease undertaken by the same lessee for the same goods. An extension is an agreement by the holder and the lessee of an existing consumer lease to continue the lease beyond its originally scheduled expiration, except when the continuation is the result of a renegotiation.(c) At consummation, a consumer lease must be evidenced by a record that:(1) Clearly indicates at the beginning of the record that it is a lease;(2) Contains in a location close to the lessee's signature a conspicuous statement substantially as follows: “NOTICE TO THE LESSEE: This is a lease. You are not buying the (insert here the name of the goods or vehicle). Do not sign this lease before you read it. You are entitled to a completed copy of this lease when you sign it.”;(3) Identifies the place of business of the lessor and the residence of the lessee;(4) Identifies any property traded in or applied as a capitalized cost reduction or similar credit; and(5) In a lease of a motor vehicle, itemizes the gross capitalized cost by type and amount, unless this itemization is included in a separate record accompanying the lease.(d) A lessor may not present for the lessee to sign an application for a consumer lease or a consumer lease that contains blank spaces to be filled in after it has been signed by the lessee unless the goods are to be specially ordered for future delivery, in which case the due dates of periodic payments and specific identifying numbers, marks or similar information concerning the goods may be inserted in the application or lease after the lessee has signed.(e) Promptly after consummation of a consumer lease, the lessor shall furnish to the lessee without charge a completed written copy of the lease signed by the lessor and lessee and, if not previously furnished, a written copy of all other records that the lessee has signed in connection with the transaction. As against a holder that took the lease without knowledge to the contrary, a lessee's written acknowledgment of receipt of a copy of these records creates a presumption of delivery of the copy.(P.A. 02-81, S. 14.)History: P.A. 02-81 effective July 1, 2003.
CT Gen Stat § 42-404 (2020)
2020 Connecticut General Statutes|Title 42 - Business, Selling, Trading and Collection Practices|Chapter 743aa - Consumer Leases|Section 42-404 - Insurance. Insurance disclosures.

 (a) A lessor may require that the lessee maintain casualty insurance on the leased goods, or liability insurance against personal injury or property damage caused to others, or both, during the period of the lease. If a lessor requires that the lessee maintain either casualty or liability insurance, or both, the lessor shall disclose in a conspicuous manner in a record: (1) Whether the insurance is included in the lease for no additional charge; (2) if the insurance is not included in the lease or if there is an additional charge for obtaining insurance through the lessor, that the lessee may purchase the required insurance from an insurer of the lessee's choice, subject to the lessor's right to reject that insurer for reasonable cause; and (3) that the insurance policies offered by the lessor may duplicate coverage already provided by a lessee's personal insurance policies.(b) If casualty insurance on the leased goods is neither required nor provided in a consumer lease, the lease must contain or be accompanied by a conspicuous statement in a record substantially as follows: “No insurance coverage for physical damage to the leased goods, or loss of the leased goods, is provided under this lease.”(c) A lessor may not require the lessee to purchase credit life, accident, health, loss-of-income or similar insurance in connection with a consumer lease. If a lessor provides such insurance in connection with a consumer lease:(1) The lessor shall disclose in a record that the insurance is not required; and(2) The lessee's election to purchase the insurance is effective only if after receiving the disclosure the lessee separately signs a record requesting the insurance.(d) If a lessee becomes obligated to pay an amount for insurance provided by or through the lessor, the lessor shall furnish or arrange to have furnished to the lessee a copy of the policy or certificate of insurance.(P.A. 02-81, S. 15; P.A. 09-134, S. 1.)History: P.A. 02-81 effective July 1, 2003; P.A. 09-134 amended Subsec. (a) by deleting former provision re insurance included in lease and requiring disclosure in a conspicuous manner of requirements re insurance coverage provided in Subdivs. (1) to (3), and inserted “conspicuous” in Subsec. (b), effective October 1, 2009, and applicable to consumer leases entered, renewed, modified or extended on or after October 1, 2009.
CT Gen Stat § 42-405 (2020)
2020 Connecticut General Statutes|Title 42 - Business, Selling, Trading and Collection Practices|Chapter 743aa - Consumer Leases|Section 42-405 - Notice to guarantor.

 (a) The obligation of a guarantor with respect to a consumer lease is not enforceable unless:(1) Before the guarantor signs a record evidencing the obligation, the lessor provides to the guarantor a clear statement in a record which identifies the obligation, the lessor and the lessee and reasonably informs the guarantor of the nature of the obligation; and(2) The lessor provides to the guarantor a copy of the signed record evidencing the guarantor's obligation and, if the guarantor requests, a copy of the lease.(b) A statement in substantially the following form complies with subdivision (1) of subsection (a) of this section:NOTICEName of Guarantor: ....You agree to pay the lease obligation identified below although you may not personally receive any goods. You may have to pay this obligation even if the person who receives the goods is able to pay. This notice is not the contract that makes you responsible for the obligation. Read the lease for the exact terms of your obligation.Identification of Obligation You May Have to Pay: ....Name of Lessee: ....Name of Lessor: ....(c) As against a holder who took the consumer lease without knowledge to the contrary, a guarantor's signed acknowledgment of receipt of the records specified in subsection (b) of this section creates a presumption of delivery of those records to the guarantor.(P.A. 02-81, S. 16.)History: P.A. 02-81 effective July 1, 2003.
CT Gen Stat § 42-406 (2020)
2020 Connecticut General Statutes|Title 42 - Business, Selling, Trading and Collection Practices|Chapter 743aa - Consumer Leases|Section 42-406 - Information during term of lease. Computer equipment leases. Satisfaction of lease.

 (a) During the period of a consumer lease, the following rules apply:(1) A person that receives a payment in money from a lessee under a consumer lease shall furnish the lessee a written receipt for the payment.(2) If a lessee so requests in a record, the holder, within two weeks after receiving the request, shall send to the lessee in a record, as requested, a statement of:(A) The dates and amounts of the periodic payments that have been received by holders of the lease and the total amount of the remaining periodic payments;(B) The lessee's total obligation due to satisfy the lease if terminated at a specified date before expiration, and a statement that the amount so due will be reduced by the realized value of the goods, if that is the case; and(C) If the lease provides for a purchase option that may be exercised at the lessee's request, the purchase option price at the date specified in the request.(3) In a statement under subdivision (2) of this subsection, an amount that is estimated must be so identified.(4) A holder may not charge the lessee for furnishing one statement under each subparagraph of subdivision (2) of this subsection in each twelve-month period, but may charge a fee not to exceed five dollars for furnishing each additional statement during the same period.(b) A holder of a lease for computer or related equipment, not more than one hundred twenty days and not less than thirty days prior to the expiration date of the lease, shall provide written notice, at no cost to the lessee, informing the lessee of the lease expiration date and the lessee's rights and obligations upon expiration of the lease and, if the lease provides for a purchase option for such computer or related equipment that may be exercised at the lessee's request, the purchase option price for such computer or related equipment as of the lease expiration date. For the purposes of this subsection, “computer” means a programmable, electronic device capable of accepting and processing data.(c) A holder, within two weeks after the lessee has discharged all of the lessee's obligations under the consumer lease, shall send to the lessee at the lessee's last-known address a copy of the lease marked “satisfied”, “paid in full” or similar term, or a separate record indicating satisfaction of the lease. The record of satisfaction does not release the lessee from liability under the lease for acts or events discovered by the holder after sending the record.(P.A. 02-81, S. 17; P.A. 03-128, S. 1.)History: P.A. 02-81 effective July 1, 2003; P.A. 03-128 added new Subsec. (b) re computer or related equipment leases and redesignated existing Subsec. (b) as new Subsec. (c), effective July 1, 2003.