reglab/housing_qa huggingface dataset:
MN Stat § 45.35 (2021)
2021 Minnesota Statutes|Chapters 44A - 45A — Commerce|Chapter 45 — Department Of Commerce; General Powers|Section 45.35 — Facilities.

45.35 FACILITIES. Each course of study, except self-study courses, must be conducted in a classroom or other facility that is adequate to comfortably accommodate the faculty and the number of students enrolled. The education provider may limit the number of students enrolled in a course. Approved courses must not be held on the premises of a company doing business in the regulated area, except for company-sponsored courses allowed by statute or noncompany-sponsored courses offered by a bona fide trade association. A bona fide trade association may offer noncompany-sponsored courses on the premises of an insurance company or agency so long as the course is not restricted to employees or appointed agents of the insurance company or agency. History:  2009 c 63 s 16,78; 2011 c 108 s 8
MN Stat § 45.36 (2021)
2021 Minnesota Statutes|Chapters 44A - 45A — Commerce|Chapter 45 — Department Of Commerce; General Powers|Section 45.36 — Supplementary Materials.

45.36 SUPPLEMENTARY MATERIALS. An adequate supply of supplementary materials to be used or distributed in connection with an approved course must be available in order to ensure that each student receives all necessary materials. Outlines and any other materials that are reproduced must be legible. History:  2009 c 63 s 17,78
MN Stat § 45.37 (2021)
2021 Minnesota Statutes|Chapters 44A - 45A — Commerce|Chapter 45 — Department Of Commerce; General Powers|Section 45.37 — Advertising Courses.

45.37 ADVERTISING COURSES. (a) Paragraphs (b) to (f) govern the advertising of prelicense and continuing education courses. (b) Advertising must be truthful and not deceptive or misleading. Courses must not be advertised in any manner as approved unless approval has been granted in writing by the commissioner. (c) No advertisement, pamphlet, circular, or other similar materials pertaining to an approved offering may be circulated or distributed in this state, unless one of the following statements is prominently displayed: For prelicense education courses, "This course has been approved by the Minnesota Commissioner of Commerce for (relevant industry) prelicense education." For continuing education courses, "This course has been approved by the Minnesota Commissioner of Commerce for ..... hours for (relevant industry) continuing education." (d) Advertising of approved courses must be clearly distinguishable from the advertisement of other nonapproved courses and services. (e) Courses must not be advertised before approval, unless the course is described in the advertising as "approval pending" and that is, in fact, the case. (f) The number of hours for which a course has been approved must be prominently displayed on an advertisement for the course. If the course offering is longer than the number of hours of credit to be given, it must be clear that credit is not earned for the entire course. History:  2009 c 63 s 18,78
MN Stat § 45.38 (2021)
2021 Minnesota Statutes|Chapters 44A - 45A — Commerce|Chapter 45 — Department Of Commerce; General Powers|Section 45.38 — Notice To Students.

45.38 NOTICE TO STUDENTS. At the beginning of each approved offering, the following notice must be handed out in printed form or must be read to students: "This educational offering is recognized by the Minnesota Commissioner of Commerce as satisfying ..... hours of credit toward (choose one or more of the following as appropriate: prelicensing or continuing) (insert appropriate industry) education requirements." History:  2009 c 63 s 19,78
MN Stat § 45.39 (2021)
2021 Minnesota Statutes|Chapters 44A - 45A — Commerce|Chapter 45 — Department Of Commerce; General Powers|Section 45.39 — Audits.

45.39 AUDITS. The commissioner reserves the right to audit subject offerings with or without notice to the education provider. History:  2009 c 63 s 20,78
MN Stat § 45.40 (2021)
2021 Minnesota Statutes|Chapters 44A - 45A — Commerce|Chapter 45 — Department Of Commerce; General Powers|Section 45.40 — Falsification Of Reports.

45.40 FALSIFICATION OF REPORTS. A licensee or applicant found to have falsified an education report to the commissioner will be considered to have violated the laws relating to the industry for which the person has a license and will be subject to suspension or revocation of the license or denial of the application for licensure. The commissioner reserves the right to audit a licensee's education records. History:  2009 c 63 s 21,78
MN Stat § 45.41 (2021)
2021 Minnesota Statutes|Chapters 44A - 45A — Commerce|Chapter 45 — Department Of Commerce; General Powers|Section 45.41 — Disciplinary Action.

45.41 DISCIPLINARY ACTION. The commissioner may deny, censure, suspend, or revoke the approval of a coordinator or course and disallow the use of a qualified instructor if it is determined that the coordinator, course, or instructor is not in compliance with this chapter. History:  2009 c 63 s 22,78
MN Stat § 45.42 (2021)
2021 Minnesota Statutes|Chapters 44A - 45A — Commerce|Chapter 45 — Department Of Commerce; General Powers|Section 45.42 — Waivers And Extensions.

45.42 WAIVERS AND EXTENSIONS. Subdivision 1.  [Repealed, 2014 c 222 art 1 s 58] Subd. 2. Extensions. When a licensee documents to the commissioner's satisfaction that the person is unable to complete continuing education requirements within the required time period owing to a financial or medical hardship, the commissioner may extend, for up to 90 days, the time period during which the continuing education must be successfully completed. Loss of income from either attendance at courses or cancellation of a license is not a bona fide financial hardship. Requests for extensions must be submitted in writing no later than 60 days before the education is due and must include an explanation with verification of the hardship, plus verification of enrollment in an approved course of study. Subd. 3. Exception. This section does not apply to appraiser license education. History:  2009 c 63 s 23,78
MN Stat § 45.43 (2021)
2021 Minnesota Statutes|Chapters 44A - 45A — Commerce|Chapter 45 — Department Of Commerce; General Powers|Section 45.43 — Reporting Requirements.

45.43 REPORTING REQUIREMENTS. Subdivision 1. Course completions. Required education must be reported in a manner prescribed by the commissioner within ten days of the course completion. Subd. 2. Violations and penalties. (a) Each failure to report an individual licensee's course completion in the manner prescribed by subdivision 1 constitutes a separate violation. (b) The commissioner may impose a civil penalty not to exceed $500 per violation upon an education provider that violates subdivision 1. History:  2009 c 63 s 24,78; 2013 c 135 art 3 s 5
MN Stat § 45A.01 (2021)
2021 Minnesota Statutes|Chapters 44A - 45A — Commerce|Chapter 45A — Financial Exploitation Protections For Older Or Vulnerable Adults|Section 45A.01 — Definitions.

45A.01 DEFINITIONS. Subdivision 1. Scope and application. For purposes of this chapter, the terms in this section have the meanings given them. Subd. 2. Broker-dealer. "Broker-dealer" has the meaning given in section 80A.41. Subd. 3. Commissioner. "Commissioner" means the commissioner of commerce. Subd. 4. Common entry point. "Common entry point" has the meaning given in section 626.5572, subdivision 5. Subd. 5. Eligible adult. "Eligible adult" means: (1) a person 65 years of age or older; or (2) a person subject to section 626.5572, subdivision 21. Subd. 6. Financial exploitation. "Financial exploitation" means: (1) the wrongful or unauthorized taking, withholding, appropriation, expenditure, or use of money, assets, or property of an eligible adult; or (2) an act or omission taken by a person, including through the use of a power of attorney, guardianship, trustee, or conservatorship of an eligible adult, to: (i) obtain control, through deception, intimidation, or undue influence, over the eligible adult's money, assets, or property to deprive the eligible adult of the ownership, use, benefit, or possession of the eligible adult's money, assets, or property; or (ii) convert money, assets, or property of the eligible adult to deprive the eligible adult of the ownership, use, benefit, or possession of the eligible adult's money, assets, or property. Subd. 6a. Financial services provider. "Financial services provider" means: (1) a bank, bank and trust, trust company with banking powers, savings bank, savings association, or credit union organized under the laws of Minnesota, any other state, or the United States; (2) an industrial loan and thrift under chapter 53; or (3) a regulated lender under chapter 56. Subd. 7. Investment adviser. "Investment adviser" has the meaning given in section 80A.41(16), except for section 80A.41(16)(E). Investment adviser includes a federal covered investment adviser, as defined under section 80A.41(7). Subd. 8. Lead investigative agency. "Lead investigative agency" has the meaning given in section 626.5572, subdivision 13. History:  2018 c 161 s 1; 2019 c 59 s 1; 2020 c 85 s 1
MN Stat § 45A.02 (2021)
2021 Minnesota Statutes|Chapters 44A - 45A — Commerce|Chapter 45A — Financial Exploitation Protections For Older Or Vulnerable Adults|Section 45A.02 — Governmental Disclosures.

45A.02 GOVERNMENTAL DISCLOSURES. (a) If a broker-dealer or investment adviser reasonably believes that financial exploitation of an eligible adult may have occurred, may have been attempted, or is being attempted, the broker-dealer or investment adviser may promptly notify the commissioner and the common entry point. (b) If a financial services provider reasonably believes that financial exploitation of an eligible adult may have occurred, may have been attempted, or is being attempted, the financial services provider may promptly notify the common entry point. History:  2018 c 161 s 2; 2020 c 85 s 2
MN Stat § 45A.03 (2021)
2021 Minnesota Statutes|Chapters 44A - 45A — Commerce|Chapter 45A — Financial Exploitation Protections For Older Or Vulnerable Adults|Section 45A.03 — Immunity For Governmental Disclosures.

45A.03 IMMUNITY FOR GOVERNMENTAL DISCLOSURES. (a) A broker-dealer or investment adviser who, in good faith, makes a disclosure of information pursuant to section 45A.02, paragraph (a), cooperates with a civil or criminal investigation of financial exploitation of an eligible adult, or testifies about alleged financial exploitation of an eligible adult in a judicial or administrative proceeding is immune from administrative, civil, or criminal liability that might otherwise arise from the disclosure or testimony or for failure to notify the customer of the disclosure or testimony. (b) A financial services provider or an employee of a financial services provider who, in good faith, makes a disclosure of information pursuant to section 45A.02, paragraph (b), cooperates with a civil or criminal investigation of financial exploitation of an eligible adult, or testifies about alleged financial exploitation of an eligible adult in a judicial or administrative proceeding is immune from administrative, civil, or criminal liability that might otherwise arise from the disclosure or testimony or for failure to notify the customer of the disclosure or testimony. History:  2018 c 161 s 3; 2020 c 85 s 3
MN Stat § 45A.04 (2021)
2021 Minnesota Statutes|Chapters 44A - 45A — Commerce|Chapter 45A — Financial Exploitation Protections For Older Or Vulnerable Adults|Section 45A.04 — Third-party Disclosures.

45A.04 THIRD-PARTY DISCLOSURES. If a broker-dealer, investment adviser, or financial services provider reasonably believes that financial exploitation of an eligible adult may have occurred, may have been attempted, or is being attempted, a broker-dealer, investment adviser, or financial services provider may notify a third party reasonably associated with the eligible adult or any other person permitted under state or federal law or rule, rules of a self-regulating organization, or customer agreement. Disclosure may not be made to a third party that is suspected of financial exploitation or other abuse of the eligible adult. History:  2018 c 161 s 4; 2020 c 85 s 4
MN Stat § 45A.05 (2021)
2021 Minnesota Statutes|Chapters 44A - 45A — Commerce|Chapter 45A — Financial Exploitation Protections For Older Or Vulnerable Adults|Section 45A.05 — Immunity For Third-party Disclosures.

45A.05 IMMUNITY FOR THIRD-PARTY DISCLOSURES. (a) A broker-dealer or investment adviser who, in good faith, complies with section 45A.04 is immune from administrative, civil, or criminal liability that might otherwise arise from the disclosure. (b) A financial services provider or an employee of a financial services provider who, in good faith, complies with section 45A.04 is immune from administrative, civil, or criminal liability that might otherwise arise from the disclosure. History:  2018 c 161 s 5; 2020 c 85 s 5
MN Stat § 45A.07 (2021)
2021 Minnesota Statutes|Chapters 44A - 45A — Commerce|Chapter 45A — Financial Exploitation Protections For Older Or Vulnerable Adults|Section 45A.07 — Immunity For Delaying Disbursements.

45A.07 IMMUNITY FOR DELAYING DISBURSEMENTS. (a) A broker-dealer or investment adviser that, in good faith, complies with section 45A.06, subdivision 1, or the commissioner of commerce, law enforcement agency, or prosecuting attorney's office is immune from administrative, civil, or criminal liability that might otherwise arise from the delay in a disbursement or placing a hold on a transaction in accordance with this chapter. (b) A financial services provider, or an employee of a financial services provider, that, in good faith, complies with section 45A.06, subdivision 2, or the commissioner of commerce, law enforcement agency, or prosecuting attorney's office is immune from administrative, civil, or criminal liability that might otherwise arise from the delay of a disbursement or placing a hold on a transaction in accordance with this chapter. (c) A party that, in good faith and in compliance with section 45A.06, delays or places a hold on a disbursement or transaction directed by an attorney-in-fact shall not be deemed to have refused to accept the authority of the attorney-in-fact for purposes of section 523.20. History:  2018 c 161 s 7; 2020 c 85 s 7
MN Stat § 46.01 (2021)
2021 Minnesota Statutes|Chapters 46 - 59 — Banking|Chapter 46 — General Banking Powers|Section 46.01 — Powers.

46.01 POWERS. Subdivision 1. General. The Department of Commerce shall have charge of the execution of all laws relating to state banks, savings banks, trust companies, savings associations, and other financial institutions organized under the laws of this state, and the business thereof. Subd. 2. Rulemaking. The commissioner of commerce may promulgate rules as necessary to administer or execute the laws relating to financial institutions subject to the commissioner's supervision or examination. History:  (5320) 1909 c 201 s 1; 1977 c 272 s 1; 1983 c 289 s 114 subd 1; 1984 c 655 art 1 s 92; 1986 c 444
MN Stat § 46.042 (2021)
2021 Minnesota Statutes|Chapters 46 - 59 — Banking|Chapter 46 — General Banking Powers|Section 46.042 — Notice And Hearing, When Not Given.

46.042 NOTICE AND HEARING, WHEN NOT GIVEN. The commissioner of commerce may dispense with the notice and hearing provided for by section 46.041 if application is made for the incorporation of a new bank to take over the assets of one or more existing banks or if the application contemplates the reorganization of a national bank into a state bank in the same locality, or where the application is made for the incorporation of a new bank in the same locality coincidental with the closing of an existing bank by the commissioner or federal authorities. This section does not increase the number of banks in the community affected. History:  (3997-1) 1929 c 146 s 1; 1983 c 289 s 17,114 subd 2; 1986 c 444; 1987 c 349 art 1 s 1
MN Stat § 46.044 (2021)
2021 Minnesota Statutes|Chapters 46 - 59 — Banking|Chapter 46 — General Banking Powers|Section 46.044 — Bank Charters.

46.044 BANK CHARTERS. Subdivision 1. Issuance and conditions. An application for a bank charter must be granted if (1) the applicants are of good moral character and financial integrity, (2) there is a reasonable public demand for this bank in this location, (3) the probable volume of business in this location is sufficient to insure and maintain the solvency of the new bank and the solvency of the then existing bank or banks in the locality without endangering the safety of any bank in the locality as a place of deposit of public and private money, (4) the commissioner of commerce is satisfied that the proposed bank will be properly and safely managed, and (5) the commissioner is satisfied that the capital funds required pursuant to section 48.02 are available and the commissioner may accept any reasonable demonstration including subscription agreements supported by current financial statements. If the application does not satisfy the requirements of this subdivision, it must be denied. In case of the denial of the application, the commissioner of commerce shall specify the grounds for the denial. A person aggrieved may obtain judicial review of the determination in accordance with chapter 14. Subd. 2. Expiration and extension of order. If a bank charter is not activated within 18 months from the date of the order, the approval order automatically expires. Upon request of the applicant prior to the automatic expiration date of the order, the commissioner may grant reasonable extensions of time to the applicant to activate the facility as the commissioner deems necessary. The extensions of time shall not exceed a total of an additional 12 months. If the commissioner's order is the subject of an appeal in accordance with chapter 14, the time period referred to in this section for activation of the bank charter and any extensions shall begin when all appeals or rights of appeal from the commissioner's order have concluded or expired. Subd. 3. Special purpose banks, exceptions. For purposes of applications to organize and operate special purpose banks as defined in section 46.046, subdivision 5, the conditions in subdivision 1, clauses (2) and (4), do not apply. History:  (3999) 1919 c 86 s 3; 1983 c 247 s 23; 1983 c 289 s 19,114 subd 2; 1986 c 339 s 1; 1Sp1986 c 3 art 2 s 23; 1992 c 587 art 1 s 2; 1993 c 257 s 2; 1996 c 414 art 1 s 4; 1997 c 157 s 2; 2008 c 277 art 1 s 3
MN Stat § 46.046 (2021)
2021 Minnesota Statutes|Chapters 46 - 59 — Banking|Chapter 46 — General Banking Powers|Section 46.046 — Definitions.

46.046 DEFINITIONS. Subdivision 1. Words, terms, and phrases. Unless the language or context clearly indicates that a different meaning is intended, the word defined in subdivision 2, for the purposes of sections 46.041 to 46.044, shall be given the meaning subjoined to it; and the word defined in subdivision 3, for the purposes of chapters 46 to 83, shall be given the meaning subjoined to it. Subd. 2. Bank. The word "bank" means any savings bank or bank of discount or deposit or trust company organized under the laws of this state. Subd. 2a. Banking institution. "Banking institution" means a bank, trust company, bank and trust company, savings bank, or industrial loan and thrift operating under section 53.04, subdivision 5, that is organized under the laws of this state, or a holding company which owns or otherwise controls the banking institution. Subd. 3. Department. "Department" means the Department of Commerce of the state of Minnesota. Subd. 4. Commissioner. "Commissioner" means the commissioner of commerce. Subd. 5. Special purpose bank. "Special purpose bank" means a bank as defined in subdivision 2 that: (1) engages only in credit card operations as authorized in section 47.59; (2) does not accept demand deposits or deposits that the depositor may withdraw by check or similar means for payment to third parties or others; (3) does not accept savings or time deposits of less than $100,000; (4) maintains only one office that accepts deposits; and (5) does not engage in the business of making commercial loans. History:  (4000) 1925 c 261 s 1,2; 1983 c 289 s 21,22,114 subd 2; 1985 c 248 s 12; 1995 c 202 art 1 s 4; 1997 c 157 s 3; 2014 c 222 art 1 s 3
MN Stat § 46.05 (2021)
2021 Minnesota Statutes|Chapters 46 - 59 — Banking|Chapter 46 — General Banking Powers|Section 46.05 — Supervision Over Financial Institutions.

46.05 SUPERVISION OVER FINANCIAL INSTITUTIONS. Every state bank, savings bank, trust company, savings association, debt management services provider, debt settlement services provider, and other financial institutions shall be at all times under the supervision and subject to the control of the commissioner of commerce. If, and whenever in the performance of duties, the commissioner finds it necessary to make a special investigation of any financial institution under the commissioner's supervision, and other than a complete examination, the commissioner shall make a charge therefor to include only the necessary costs thereof. Such a fee shall be payable to the commissioner on the commissioner's making a request for payment. History:  (5324) 1909 c 201 s 5; 1965 c 171 s 2; 1977 c 272 s 3; 1983 c 289 s 114 subd 1; 1984 c 655 art 1 s 92; 1986 c 444; 2007 c 57 art 3 s 5; 2009 c 37 art 4 s 3
MN Stat § 46.06 (2021)
2021 Minnesota Statutes|Chapters 46 - 59 — Banking|Chapter 46 — General Banking Powers|Section 46.06 — Refusal To Obey Directions Of Commissioner.

46.06 REFUSAL TO OBEY DIRECTIONS OF COMMISSIONER. Every person who shall refuse or neglect to obey any lawful direction or order of the commissioner of commerce; withhold any information, book, record, paper or other thing called for by the commissioner for the purpose of examination and ascertaining the true condition of the corporation; willfully obstruct or mislead the commissioner in the execution of duties, or falsely swear concerning any matter stated under oath, shall be guilty of a felony; the minimum penalty thereof shall be a fine of $3,000, or imprisonment in the Minnesota Correctional Facility-Stillwater for one year. History:  (5325) 1909 c 201 s 6; 1979 c 102 s 13; 1983 c 289 s 114 subd 1; 1984 c 628 art 3 s 11; 1984 c 655 art 1 s 92; 1986 c 444