reglab/housing_qa huggingface dataset:
NE Code § 44-9217 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-9217 - Public adjuster; loyalty; prohibited acts.

44-9217.  Public adjuster; loyalty; prohibited acts.(1) A public adjuster shall serve with objectivity and complete loyalty to the interest of the insured and shall, in good faith, render to the insured such information, counsel, and service, as within the knowledge, understanding, and opinion of such public adjuster will best serve the insurance claim needs and interest of the insured.(2) A public adjuster shall not solicit, nor attempt to solicit, an insured during the progress of a loss-producing occurrence, as defined in the insured’s insurance contract.(3) A public adjuster shall not permit an unlicensed employee or representative of the public adjuster to conduct business for which a license is required under the Public Adjusters Licensing Act.(4) A public adjuster shall not have a direct or indirect financial interest in any aspect of the claim, other than the salary, fee, commission, or other consideration established in the written contract with the insured. Direct or indirect financial interest includes, but is not limited to, ownership of, employment by, or other consideration received from any business entity or individual that performs any work pertaining to damage related to the insured loss.(5) A public adjuster shall not acquire any interest in salvage of property subject to the contract with the insured unless the public adjuster obtains written permission from the insured after settlement of the claim with the insurer.(6) A public adjuster shall abstain from referring or directing the insured to obtain needed repairs or services in connection with a loss from any person:(a) With whom the public adjuster has a direct or indirect financial interest; or(b) From whom the public adjuster may receive direct or indirect compensation or other consideration for the referral.(7) A public adjuster shall not undertake the adjustment of any claim if such public adjuster is not competent and knowledgeable as to the terms and conditions of the insurance coverage or if the loss or coverage otherwise exceeds the current expertise of the public adjuster.(8) A public adjuster shall not knowingly make any false oral or written material statements regarding any person engaged in the business of insurance to any insured client or potential insured client.(9) A public adjuster, while so licensed pursuant to the Public Adjusters Licensing Act, shall not represent or act as a company adjuster or independent adjuster in any circumstance.(10) A public adjuster shall not enter into a contract or accept a power of attorney that vests in such public adjuster the effective authority to choose the persons who shall perform repair work.(11) A public adjuster shall not agree to any loss settlement without the knowledge and consent of the insured.Source Laws 2018, LB743, § 17.
NE Code § 44-9218 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-9218 - Fee; catastrophic fees.

44-9218.  Fee; catastrophic fees.(1) A public adjuster may charge the insured a reasonable fee for public adjuster services.(2) A person shall not accept a commission, service fee, or other valuable consideration for investigating or settling claims in this state if that person is required to be licensed under the Public Adjusters Licensing Act and is not so licensed.(3) In the event of a catastrophic disaster, there shall be limits on catastrophic fees. No public adjuster shall charge, agree to, or accept as compensation or reimbursement any payment, commission, fee, or other thing of value equal to or more than ten percent of any insurance settlement or proceeds resulting from a catastrophic disaster.(4) No public adjuster shall require, demand, or accept any fee, retainer, compensation, deposit, or other thing of value prior to settlement of a claim unless the loss is being handled by the public adjuster on a time-plus-expense basis.Source Laws 2018, LB743, § 18.
NE Code § 44-9219 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-9219 - Rules and regulations.

44-9219.  Rules and regulations.The director may adopt and promulgate rules and regulations to carry out the Public Adjusters Licensing Act.Source Laws 2018, LB743, § 19.
NE Code § 45-101.01 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-101.01 - Unconstitutional.

45-101.01.  Unconstitutional.Annotations This section enacted by 1963 Special Session as a part of Legislative Bill 11 was unconstitutional as special legislation. State Securities Co. v. Ley, 177 Neb. 251, 128 N.W.2d 766 (1964).
NE Code § 45-101.02 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-101.02 - Terms, defined.

45-101.02.  Terms, defined.As used in sections 45-101.02 to 45-101.04, 45-102, and 45-105, unless the context otherwise requires:(1) Interest means the compensation agreed upon or allowed by law upon any loan or forbearance of money, goods, or things in action but does not include loan service costs;(2) Loan service costs means reasonable and necessary costs and charges incurred in connection with the making, closing, disbursing, servicing, extending, transferring, or renewing of a loan, including but not limited to (a) prepayment charges, (b) delinquency charges, (c) premiums for hazard, private mortgage, disability, life, or title insurance, (d) fees for escrow, appraisal, abstracting, title examination, surveys, inspections, credit reports, and recording of documents, (e) origination fees, (f) interest on interest after default, and (g) costs and charges incurred for determining qualification for the loan proceeds and disbursement of the loan proceeds; and(3) Discount points means any charges except actual loan service costs whether or not actually denominated as discount points paid to a lender which directly or indirectly affect the ability of the borrower to secure a loan. For the purpose of determining the rate of interest on any loan, discount points, if any, shall be amortized over the original term of the loan.Source   Laws 1975, LB 349, § 1;   Laws 1997, LB 137, § 19.
NE Code § 45-101.03 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-101.03 - General interest rate; maximum; variable rate authorized; conditions.

45-101.03.  General interest rate; maximum; variable rate authorized; conditions.(1) Except as provided in section 45-101.04, any rate of interest which may be agreed upon, not exceeding sixteen percent per annum on the unpaid principal balance, shall be valid upon any loan or forbearance of money, goods, or things in action and may be taken yearly, for any shorter period, or in advance, if so expressly agreed.(2) Such rate of interest so long as it does not violate sections 45-101.02 to 45-113 or any federal usury law may be charged on a variable rate basis, except that if the lender proposes to increase the interest rate during the term of a loan on consumer goods notice of such proposed increase shall be communicated in writing to the person or persons primarily obligated on such loan at least ten days prior to the proposed increase. Deposit of such notice in the United States mails, postage prepaid, shall be deemed communication for the purpose of this section.Source   Laws 1975, LB 349, § 2;   Laws 1979, LB 390, § 1;   Laws 1980, LB 276, § 6;   Laws 1982, LB 778, § 1.  Annotations Notwithstanding limitations on interest rates imposed on state banks by Nebraska law, national bank in Nebraska can charge, with respect to credit card transactions, rates allowed by Nebraska law for "small loan companies". Fisher v. First Nat. Bank of Omaha, 548 F.2d 255 (8th Cir. 1977).
NE Code § 45-101.05 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-101.05 - Mortgage loan; escrow account; how established and maintained.

45-101.05.  Mortgage loan; escrow account; how established and maintained.No lender, in connection with a mortgage loan, shall require the borrower or prospective borrower:(1) To deposit in any escrow account which may be established in connection with such loan for the purpose of assuring payment of taxes, insurance premiums, or other charges with respect to the property, prior to or upon the date of settlement, an aggregate sum in excess of the total amount of such taxes, insurance premiums, and other charges which are attributable to the period beginning on the last date on which each such charge would have been paid under the normal lending practice of the lender if the selection of each such date constitutes prudent lending practice and ending on the due date of its first full installment payment under the mortgage plus a cushion that shall be no greater than one-sixth of the estimated total annual payments to be made from the escrow account for such taxes, insurance premiums, and other charges during the twelve-month period beginning on the date of settlement; or(2) To deposit in any such escrow account in any month beginning after the date of settlement a sum for the purpose of assuring payment of taxes, insurance premiums, or other charges with respect to the property in excess of one-twelfth of the total annual escrow account payments which the lender reasonably anticipates paying from the escrow account for such taxes, insurance premiums, and other charges plus a cushion that shall be no greater than one-sixth of the estimated total annual payments to be made from the escrow account for such taxes, insurance premiums, and other charges, except that if the lender determines that a shortage exists or that there will be a deficiency on the due date the lender shall not be prohibited from requiring additional monthly deposits in such escrow account of pro rata portions of the shortage or deficiency corresponding to the number of months from the date of the lender's determination of such shortage or deficiency to the date upon which such taxes, insurance premiums, and other charges would be paid under the normal lending practice of the lender if the selection of each such date constitutes prudent lending practice.Source   Laws 1976, LB 502, § 1;   Laws 1997, LB 554, § 1.
NE Code § 45-101.06 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-101.06 - Escrow accounts; not required.

45-101.06.  Escrow accounts; not required.It is not the intent of sections 45-101.05 to 45-101.07 to require that escrow accounts be required or established.Source  Laws 1976, LB 502, § 2.
NE Code § 45-101.07 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-101.07 - Violations; penalty.

45-101.07.  Violations; penalty.Any lender who violates any of the provisions of section 45-101.05 shall be guilty of a Class IV misdemeanor.Source   Laws 1976, LB 502, § 3;   Laws 1977, LB 41, § 39.
NE Code § 45-103.01 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-103.01 - Postjudgment interest; accrual; when.

45-103.01.  Postjudgment interest; accrual; when.Interest as provided in section 45-103 shall accrue on decrees and judgments for the payment of money from the date of entry of judgment until satisfaction of judgment.Source   Laws 1986, LB 298, § 2;   Laws 1994, LB 1183, § 2;  Laws 1999, LB 43, § 20.  Annotations  Judgment interest accrues on the judgment, even if that judgment is made up in part of interest already accrued. Heritage Bank v. Bruha, 283 Neb. 263, 812 N.W.2d 260 (2012). This section allows parties to contractually agree to a rate of postjudgment interest and does not impose additional conditions for the recovery of such interest. Folgers Architects v. Kerns, 262 Neb. 530, 633 N.W.2d 114 (2001). Interest accrues from the date the original judgment is due, regardless of whether an appeal is taken prior to that date. Gallner v. Gallner, 257 Neb. 158, 595 N.W.2d 904 (1999). Based on the mandatory language contained herein, a court of equity does not have discretion to withhold interest on decrees or judgments for the payment of money. Welch v. Welch, 246 Neb. 435, 519 N.W.2d 262 (1994). The court did not err in awarding postjudgment interest on the wife's fixed dollar amount share of her husband's profit-sharing plan from the date of entry of the decree, even though the qualified domestic relations order called for by the decree was not entered for over 2 years. Fry v. Fry, 18 Neb. App. 75, 775 N.W.2d 438 (2009). When a judgment is modified upon appeal, interest runs on the full amount of the judgment as modified from the date the original judgment was rendered by the trial court. Ramaekers, McPherron & Skiles v. Ramaekers, 4 Neb. App. 733, 549 N.W.2d 662 (1996).
NE Code § 45-103.03 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-103.03 - Interest; how computed.

45-103.03.  Interest; how computed.All payments made prior to trial by or on behalf of the defendant shall be subtracted from the judgment before interest as provided in subsection (1) of section 45-103.02 is added.Source   Laws 1986, LB 298, § 4;   Laws 1994, LB 1183, § 4.
NE Code § 45-103.04 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-103.04 - Prejudgment interest; exceptions.

45-103.04.  Prejudgment interest; exceptions.Interest as provided in section 45-103.02 shall not accrue prior to the date of entry of judgment for:(1) Any action arising under Chapter 42; or(2) Any action involving the state, a political subdivision of the state, or any employee of the state or any of its political subdivisions for any negligent or wrongful act or omission accruing within the scope of such employee's office or employment.Source   Laws 1986, LB 298, § 5;   Laws 1994, LB 1183, § 5;  Laws 1999, LB 43, § 22.  Annotations  Subsection (2) of this section prohibits prejudgment interest for (1) any action involving the state, (2) any action involving a political subdivision of the state, or (3) any action involving an employee of the state or political subdivision for any negligent or wrongful act or omission accruing within the scope of such employee's office or employment. Eikmeier v. City of Omaha, 280 Neb. 173, 783 N.W.2d 795 (2010). Claims against political subdivisions which accrued on or after January 1, 1987, are not subject to prejudgment interest. Hammond v. City of Broken Bow, 239 Neb. 437, 476 N.W.2d 822 (1991).
NE Code § 45-104.01 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-104.01 - Interest; political subdivisions; delinquent taxes; special assessments.

45-104.01.  Interest; political subdivisions; delinquent taxes; special assessments.Unless otherwise specifically provided, the interest rate assessed on delinquent payments of any taxes or special assessments owing to any political subdivision of the State of Nebraska shall be assessed at a rate of fourteen percent per annum.Source   Laws 1981, LB 167, § 1;   Laws 1992, Fourth Spec. Sess., LB 1, § 4.  Annotations  Under the former law, if an obligation to pay interest arises under section 67-405 and the rate is not specified, the rate is that specified in this section. Robertson v. Jacobs Cattle Co., 285 Neb. 859, 830 N.W.2d 191 (2013). This statutory provision does not mandate the assessment of interest on delinquent taxes; rather, it sets the rate at which such interest will be assessed. Ameritas Life Ins. Corp. v. Balka, 257 Neb. 878, 601 N.W.2d 508 (1999).
NE Code § 45-104.02 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-104.02 - Interest; State of Nebraska; delinquent taxes; special assessments; credits or refunds.

45-104.02.  Interest; State of Nebraska; delinquent taxes; special assessments; credits or refunds.(1) Unless otherwise specifically provided, the interest rate assessed on delinquent payments of any taxes or special assessments owing to the State of Nebraska shall be assessed at a rate of fourteen percent per annum through December 31, 1992, and at the per annum rate determined pursuant to subsection (2) of this section after such date.(2) Commencing January 1, 1993, the interest rate assessed pursuant to subsection (1) of this section shall be redetermined every other year. The rate shall be determined by the Tax Commissioner and shall be equal to the average short-term borrowing rate for the federal government during July of the previous year rounded to the nearest whole percentage point plus three percentage points. If the new rate does not increase or decrease the old rate by at least two percentage points, the old rate shall continue in effect.(3)(a) The rate determined pursuant to subsection (2) of this section shall apply for the period from its effective date through the date of payment or up to the effective date of the succeeding new rate, whichever is earlier.(b) Interest on taxes or special assessments shall be calculated using the different rates which are effective over the period of delinquency.(c) For any taxes or special assessments that were delinquent and unpaid on or before December 31, 1992, the interest rate shall be fourteen percent per annum through December 31, 1992.(4) For any credits or refunds of taxes or special assessments on which interest is to be determined at the rate specified in this section, the calculation of interest shall use the same rates for the same periods that are used for interest on delinquent payments.(5) For refunds applied for on or after May 1, 1993, for any taxes that were overpaid as of December 31, 1992, the interest rate shall be seven percent per annum from the date of overpayment through December 31, 1992.Source   Laws 1992, Fourth Spec. Sess., LB 1, § 5;   Laws 1993, LB 345, § 2.  Annotations Absent evidence in the record about what the rate should be, an appellate court cannot rule that the rate used by the trial judge was wrong. Holman v. Papio-Missouri River Nat. Resources Dist., 246 Neb. 787, 523 N.W.2d 510 (1994).
NE Code § 45-105.01 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-105.01 - Unconstitutional.

45-105.01.  Unconstitutional.Annotations This section enacted by 1963 Special Session as a part of Legislative Bill 11 was unconstitutional as special legislation. State Securities Co. v. Ley, 177 Neb. 251, 128 N.W.2d 766 (1964).
NE Code § 45-106 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-106 - Interest; warrants or orders.

45-106.  Interest; warrants or orders.All warrants or orders issued by the proper authorities of any county, city, township, school district, other municipal subdivision less than a county, or sanitary district, whose area is located partly within a municipality, shall draw interest from and after the date of presentation for payment at such rate as is fixed by the issuing authority and endorsed on the warrant. All warrants issued by the state shall draw interest at the rate of four percent per annum from the date the same are presented for payment.Source   Laws 1879, § 10, p. 115;   Laws 1895, c. 43, § 1, p. 185;   Laws 1895, c. 44, § 1, p. 186;   Laws 1899, c. 48, § 1, p. 260;   Laws 1903, c. 54, § 1, p. 345;   R.S.1913, § 3355;   Laws 1919, c. 108, § 1, p. 264;   C.S.1922, § 2843;   Laws 1929, c. 125, § 1, p. 472;   C.S.1929, § 45-110;   R.S.1943, § 45-106;   Laws 1945, c. 110, § 1, p. 354;   Laws 1947, c. 171, § 2, p. 519;   Laws 1969, c. 51, § 109, p. 340.  Cross References   For other provisions as to interest on warrants:   Counties, see section 23-1602.  Drainage districts, see section 31-416.
NE Code § 45-107 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-107 - Interest; effect on purchase of certain lands.

45-107.  Interest; effect on purchase of certain lands.The rate of interest fixed by sections 45-101.02 to 45-106 shall not affect interest on purchase money of school, university, and agricultural college lands, or on lands delinquent or sold for the nonpayment of taxes.Source   Laws 1879, § 11, p. 115;   R.S.1913, § 3356;   C.S.1922, § 2844;   C.S.1929, § 45-111;   R.S.1943, § 45-107. Cross References  For provisions for payment of interest on redemption from sale for taxes, see sections 77-1824 and 77-1830.
NE Code § 45-108 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-108 - Interest; rate; when calculated by the year.

45-108.  Interest; rate; when calculated by the year.When in any law, or in any instrument in writing specifying a rate of interest, no period of time is mentioned for which such rate is to be calculated, it shall be deemed to be by the year.Source   Laws 1879, § 9, p. 115;   R.S.1913, § 3354;   C.S.1922, § 2842;   C.S.1929, § 45-109;   R.S.1943, § 45-108.
NE Code § 45-109 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-109 - Contracts for payment of money or indebtedness; when usurious.

45-109.  Contracts for payment of money or indebtedness; when usurious.Any contract for the payment of money in satisfaction of indebtedness which seeks, directly or indirectly, to prevent the debtor from discharging his obligation in full in any lawful money of the United States with the same number of dollars he originally contracted to pay, plus interest not in excess of the maximum legal contract rate, is hereby declared to constitute usury, the same as if the contract sought to bind the debtor to pay more than the maximum legal rate of interest.Source   Laws 1935, c. 126, § 1, p. 452;   C.S.Supp.,1941, § 45-128;   R.S.1943, § 45-109.
NE Code § 45-110 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-110 - Usurious contracts; limit of recovery.

45-110.  Usurious contracts; limit of recovery.All such contracts are hereby declared contrary to public policy and usurious, and in any action therefor the plaintiff shall recover only the same number of dollars in any lawful money of the United States as the number of dollars contracted for at the time the original contract was entered into, plus interest not exceeding the maximum legal contract rate and costs, and no more.Source   Laws 1935, c. 126, § 2, p. 452;   C.S.Supp.,1941, § 45-129;   R.S.1943, § 45-110.
NE Code § 45-111 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-111 - Usury; civil proceedings; testimony of lender compellable.

45-111.  Usury; civil proceedings; testimony of lender compellable.Any person charged with taking illegal interest may be required to answer touching the same, on oath, in any civil proceeding.Source   Laws 1879, § 6, p. 114;   R.S.1913, § 3351;   C.S.1922, § 2839;   C.S.1929, § 45-106;   R.S.1943, § 45-111.
NE Code § 45-112 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-112 - Usury; relief; tender of principal unnecessary.

45-112.  Usury; relief; tender of principal unnecessary.Relief to the complaining party in case of an usurious loan may be given without payment or tender by him of the principal sum.Source   Laws 1879, § 7, p. 115;   R.S.1913, § 3352;   C.S.1922, § 2840;   C.S.1929, § 45-107;   R.S.1943, § 45-112.
NE Code § 45-113 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-113 - Usury; witness; testimony not evidence in criminal proceeding, when.

45-113.  Usury; witness; testimony not evidence in criminal proceeding, when.Any officer or agent of a person or a corporation, whether interested or not, may be summoned as a witness in any action for usury against such person or corporation, and required to disclose all the facts of the case, but the testimony of such witness, or the answer of the party as required in section 45-111, shall not be used against such witness or party in any criminal prosecution for perjury.Source   Laws 1879, § 8, p. 115;   R.S.1913, § 3353;   C.S.1922, § 2841;   C.S.1929, § 45-108;   R.S.1943, § 45-113.
NE Code § 45-114 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-114 - Transferred to section 45-1002.

45-114.  Transferred to section 45-1002.
NE Code § 45-115 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-115 - Transferred to section 45-1003.

45-115.  Transferred to section 45-1003.