reglab/housing_qa huggingface dataset:
UT Code § 70A-9a-805 (2021)
2021 Utah Code|Title 70A - Uniform Commercial Code|Chapter 9a - Uniform Commercial Code - Secured Transactions|Part 8 - Transition Provisions for 2010 Amendments|Section 805 - When initial financing statement suffices to continue effectiveness of financing statement.

70A-9a-805. When initial financing statement suffices to continue effectiveness of financing statement.    (1) The filing of an initial financing statement in the office specified in Section 70A-9a-501 continues the effectiveness of a financing statement filed before Laws of Utah 2013, Chapter 225 takes effect if:   (a) the filing of an initial financing statement in that office would be effective to perfect a security interest under this chapter as amended by Laws of Utah 2013, Chapter 225;     (b) the pre-effective-date financing statement was filed in an office in another state; and     (c) the initial financing statement satisfies Subsection (3).       (2) The filing of an initial financing statement under Subsection (1) continues the effectiveness of the pre-effective-date financing statement:   (a) if the initial financing statement is filed before Laws of Utah 2013, Chapter 225 takes effect, for the period provided in unamended Section 70A-9a-515 with respect to an initial financing statement; and     (b) if the initial financing statement is filed after Laws of Utah 2013, Chapter 225 takes effect, for the period provided in Section 70A-9a-515 as amended by Laws of Utah 2013, Chapter 225 with respect to an initial financing statement.       (3) To be effective for purposes of Subsection (1), an initial financing statement must:   (a) satisfy the requirements of Part 5, Filing, as amended by Laws of Utah 2013, Chapter 225 for an initial financing statement;     (b) identify the pre-effective-date financing statement by indicating the office in which the financing statement was filed and providing the dates of filing and file numbers, if any, of the financing statement and of the most recent continuation statement filed with respect to the financing statement; and     (c) indicate that the pre-effective-date financing statement remains effective.      Revisor instructions Chapter 225, 2013 General SessionEnacted by Chapter 225, 2013 General Session
UT Code § 70A-9a-806 (2021)
2021 Utah Code|Title 70A - Uniform Commercial Code|Chapter 9a - Uniform Commercial Code - Secured Transactions|Part 8 - Transition Provisions for 2010 Amendments|Section 806 - Amendment of pre-effective-date financing statement.

70A-9a-806. Amendment of pre-effective-date financing statement.    (1) In this section, "pre-effective-date financing statement" means a financing statement filed before Laws of Utah 2013, Chapter 225 takes effect.     (2) After Laws of Utah 2013, Chapter 225 takes effect, a person may add or delete collateral covered by, continue or terminate the effectiveness of, or otherwise amend the information provided in, a pre-effective-date financing statement only in accordance with the law of the jurisdiction governing perfection as provided in this chapter as amended by Laws of Utah 2013, Chapter 225. However, the effectiveness of a pre-effective-date financing statement also may be terminated in accordance with the law of the jurisdiction in which the financing statement is filed.     (3) Except as otherwise provided in Subsection (4), if the law of this state governs perfection of a security interest, the information in a pre-effective-date financing statement may be amended after Laws of Utah 2013, Chapter 225 takes effect only if:   (a) the pre-effective-date financing statement and an amendment are filed in the office specified in Section 70A-9a-501;     (b) an amendment is filed in the office specified in Section 70A-9a-501 concurrently with, or after the filing in that office of, an initial financing statement that satisfies Subsection 70A-9a-805(3); or     (c) an initial financing statement that provides the information as amended and satisfies Subsection 70A-9a-805(3) is filed in the office specified in Section 70A-9a-501.       (4) If the law of this state governs perfection of a security interest, the effectiveness of a pre-effective-date financing statement may be continued only under Subsections 70A-9a-804(3) and (5) or Section 70A-9a-805.     (5) Whether or not the law of this state governs perfection of a security interest, the effectiveness of a pre-effective-date financing statement filed in this state may be terminated after Laws of Utah 2013, Chapter 225 takes effect by filing a termination statement in the office in which the pre-effective-date financing statement is filed, unless an initial financing statement that satisfies Subsection 70A-9a-805(3) has been filed in the office specified by the law of the jurisdiction governing perfection as provided in this chapter as amended by Laws of Utah 2013, Chapter 225 as the office in which to file a financing statement.    Revisor instructions Chapter 225, 2013 General SessionEnacted by Chapter 225, 2013 General Session
UT Code § 70A-9a-807 (2021)
2021 Utah Code|Title 70A - Uniform Commercial Code|Chapter 9a - Uniform Commercial Code - Secured Transactions|Part 8 - Transition Provisions for 2010 Amendments|Section 807 - Person entitled to file initial financing statement or continuation statement.

70A-9a-807. Person entitled to file initial financing statement or continuation statement.  A person may file an initial financing statement or a continuation statement under this part if:  (1) the secured party of record authorizes the filing; and     (2) the filing is necessary under this part:   (a) to continue the effectiveness of a financing statement filed before Laws of Utah 2013, Chapter 225 takes effect; or     (b) to perfect or continue the perfection of a security interest.      Revisor instructions Chapter 225, 2013 General SessionEnacted by Chapter 225, 2013 General Session
UT Code § 70A-9a-808 (2021)
2021 Utah Code|Title 70A - Uniform Commercial Code|Chapter 9a - Uniform Commercial Code - Secured Transactions|Part 8 - Transition Provisions for 2010 Amendments|Section 808 - Priority.

70A-9a-808. Priority.  Laws of Utah 2013, Chapter 225 determines the priority of conflicting claims to collateral. However, if the relative priorities of the claims were established before Laws of Utah 2013, Chapter 225 takes effect, this chapter as it existed before amendment determines priority.  Revisor instructions Chapter 225, 2013 General SessionEnacted by Chapter 225, 2013 General Session
UT Code § 70C-1-101 (2021)
2021 Utah Code|Title 70C - Utah Consumer Credit Code|Chapter 1 - General Provisions and Definitions|Part 1 - Short Title, Construction, General Provisions|Section 101 - Short title.

70C-1-101. Short title.  This title is known as the "Utah Consumer Credit Code."  Enacted by Chapter 159, 1985 General Session
UT Code § 70C-1-102 (2021)
2021 Utah Code|Title 70C - Utah Consumer Credit Code|Chapter 1 - General Provisions and Definitions|Part 1 - Short Title, Construction, General Provisions|Section 102 - Purposes -- Rules of construction.

70C-1-102. Purposes -- Rules of construction.    (1) This title shall be liberally construed and applied to promote its underlying purposes and policies.     (2) The underlying purposes and policies of this title are:   (a) to further consumer understanding of the terms of credit transactions and to foster competition among suppliers of consumer credit so that consumers may obtain credit at reasonable cost;     (b) to prohibit certain unfair practices; and     (c) to avoid the duplication of laws and regulations pertaining to consumer credit between state and federal authorities and to supplement applicable federal laws and regulations.      Enacted by Chapter 159, 1985 General Session
UT Code § 70C-1-103 (2021)
2021 Utah Code|Title 70C - Utah Consumer Credit Code|Chapter 1 - General Provisions and Definitions|Part 1 - Short Title, Construction, General Provisions|Section 103 - General principles of law apply -- Treatment of charge or fee.

70C-1-103. General principles of law apply -- Treatment of charge or fee.    (1) Unless displaced by the particular provisions of this title, the Uniform Commercial Code and the principles of law and equity, including without limitation the law relative to capacity to contract, principal and agent, estoppel, fraud, misrepresentation, duress, coercion, mistake, and bankruptcy shall supplement its provisions.     (2) A charge or fee described in Section 70C-1-106 assessed by a depository institution as defined by Section 7-1-103 in accordance with this title may not be considered void as a penalty or otherwise unenforceable under statute or common law.    Amended by Chapter 180, 1999 General Session
UT Code § 70C-1-104 (2021)
2021 Utah Code|Title 70C - Utah Consumer Credit Code|Chapter 1 - General Provisions and Definitions|Part 1 - Short Title, Construction, General Provisions|Section 104 - Construction against implied repeal.

70C-1-104. Construction against implied repeal.  No part of this title may be deemed to be impliedly repealed by subsequent legislation if the construction can reasonably be avoided.  Enacted by Chapter 159, 1985 General Session
UT Code § 70C-1-105 (2021)
2021 Utah Code|Title 70C - Utah Consumer Credit Code|Chapter 1 - General Provisions and Definitions|Part 1 - Short Title, Construction, General Provisions|Section 105 - Limitations by other laws not displaced.

70C-1-105. Limitations by other laws not displaced.  This title does not displace limitations on powers an organization is authorized to exercise under the laws of this state or the United States.  Enacted by Chapter 159, 1985 General Session
UT Code § 70C-1-106 (2021)
2021 Utah Code|Title 70C - Utah Consumer Credit Code|Chapter 1 - General Provisions and Definitions|Part 1 - Short Title, Construction, General Provisions|Section 106 - Determination of interest rate.

70C-1-106. Determination of interest rate.  For purposes of determining the interest rate allowed by the laws of this state under Section 85 of the National Bank Act and Sections 521 and 522 of the Depository Institutions Deregulation and Monetary Control Act of 1980, all finance charges, all fees charged for participation in a credit plan, whether assessed on an annual or other periodic basis, all transaction fees, all delinquency and deferral fees, all fees charged for exceeding a designated credit limit, all fees charged for each return of a dishonored check or negotiable order of withdrawal or draft, all fees charged for stopping payment, and all other charges permitted under Section 70C-2-101 are considered to be interest under the laws of the state of Utah. Notwithstanding the foregoing, a credit plan agreement that provides for any such fees shall disclose them separately from the interest rate in a manner consistent with Regulation Z of the Board of Governors of the Federal Reserve System.  Amended by Chapter 177, 1990 General Session
UT Code § 70C-1-201 (2021)
2021 Utah Code|Title 70C - Utah Consumer Credit Code|Chapter 1 - General Provisions and Definitions|Part 2 - Scope and Jurisdiction|Section 201 - Covered transactions.

70C-1-201. Covered transactions.  Except as provided in Section 70C-1-202, the provisions of this title apply to all credit offered or extended by a creditor to an individual person primarily for personal, family, or household purposes.  Enacted by Chapter 159, 1985 General Session
UT Code § 70C-1-202 (2021)
2021 Utah Code|Title 70C - Utah Consumer Credit Code|Chapter 1 - General Provisions and Definitions|Part 2 - Scope and Jurisdiction|Section 202 - Exempted transactions.

 Effective 5/13/2014  70C-1-202. Exempted transactions.    (1) Notwithstanding the exceptions in Subsection (2), parties to a credit transaction that is otherwise exempt from this title may explicitly agree in writing that the transaction is subject to this title. The agreement shall specifically reference Title 70C, Utah Consumer Credit Code.     (2) This title does not apply to any of the following:   (a) an extension of credit:   (i) primarily for business, commercial, or agricultural purposes; or     (ii) to other than a natural person including government agencies or instrumentalities;       (b) a closed-end extension of credit secured by a first lien or equivalent security interest on a dwelling or building lot;     (c) a transaction in securities or commodities accounts in which credit is extended by a broker-dealer registered with the:   (i) Securities and Exchange Commission; or     (ii) Commodity Futures Trading Commission;       (d) an extension of credit:   (i) not secured by:   (A) real property; or     (B) personal property used or expected to be used as the principal dwelling of the consumer; and       (ii)   (A) in which the amount financed exceeds $50,000 adjusted annually for inflation by the commissioner by the annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers; or     (B) in which there is an express written commitment to extend credit in excess of the amount determined under Subsection (2)(d)(ii)(A);         (e) a transaction under public utility or common carrier tariffs if a subdivision of this state or the United States regulates:   (i) the charges for the services involved;     (ii) the charges for delayed payment; and     (iii) a discount allowed for early payment;       (f) the sale of insurance by an insurer except as otherwise provided in Chapter 6, Insurance;     (g) a transaction with a party acting as a pawnbroker and licensed by any governmental authority in this state;     (h)   (i) a loan made, insured, or guaranteed pursuant to a program authorized by Title IV of the Higher Education Act of 1965, 20 U.S.C. Sec. 1070, et seq.; or     (ii) a loan:   (A) that finances tuition and other expenses:   (I) charged in connection with enrollment:   (Aa) at a public or proprietary preprimary, secondary, vocational, or postsecondary school; or     (Bb) in any tutorial, continuing education, test preparation, distance-learning, or similar program; and       (II) including:   (Aa) tuition;     (Bb) fees;     (Cc) books;     (Dd) housing; and     (Ee) other expenses;         (B) that is:   (I) made, insured, or guaranteed under a state program; or     (II) made by a federally insured depository institution; and       (C) including a loan that consolidates or refinances a loan described in this Subsection (2)(h)(ii); and         (i) a rental purchase agreement as defined in Section 15-8-3.      Amended by Chapter 97, 2014 General Session
UT Code § 70C-1-203 (2021)
2021 Utah Code|Title 70C - Utah Consumer Credit Code|Chapter 1 - General Provisions and Definitions|Part 2 - Scope and Jurisdiction|Section 203 - Limitation on creditor's remedies in out-of-state transactions.

70C-1-203. Limitation on creditor's remedies in out-of-state transactions.  The part on limitations on creditors' remedies, Sections 70C-7-101 through 70C-7-107, applies to any actions or other proceedings brought in this state to enforce rights arising from a consumer credit contract or consumer credit transaction of any kind, wherever made.  Amended by Chapter 93, 1990 General Session
UT Code § 70C-1-301 (2021)
2021 Utah Code|Title 70C - Utah Consumer Credit Code|Chapter 1 - General Provisions and Definitions|Part 3 - Definitions|Section 301 - Interpretation consistent with federal law.

70C-1-301. Interpretation consistent with federal law.  Except as otherwise defined, all definitions or terms used in this title have the same meaning as when used in the federal Consumer Credit Protection Act, 15 U.S.C. Sections 1601 through 1677, as amended, and its implementing Regulation Z.  Enacted by Chapter 159, 1985 General Session
UT Code § 70C-1-302 (2021)
2021 Utah Code|Title 70C - Utah Consumer Credit Code|Chapter 1 - General Provisions and Definitions|Part 3 - Definitions|Section 302 - Definitions.

70C-1-302. Definitions.  As used in this title:  (1) "Agreement" means the bargain of the parties in fact as stated in a written contract or otherwise as found in the parties' language or by implication from other circumstances, including:   (a) course of dealing;     (b) usage of trade; or     (c) course of performance.       (2) "Contract" means a document containing written terms and conditions of a credit agreement.     (3)   (a) "Creditor" means:   (i) a party:   (A) who regularly extends consumer credit that is subject to a finance charge or is payable by written agreement in more than four installments, not including a down payment; and     (B) to whom the obligation is initially payable, either on the face of the note or contract, or by agreement when there is no note or contract;       (ii) an issuer of a credit card that extends either open-end credit or credit that:   (A) is not subject to a finance charge; and     (B) is not payable by written agreement in more than four installments; and       (iii) an issuer of a credit card that extends closed-end credit that:   (A) is subject to a finance charge; or     (B) is payable by written agreement in more than four installments.         (b)   (i) For purposes of this Subsection (3), a party is considered to extend consumer credit regularly only if the party extends credit in the preceding calendar year:   (A) more than 25 times; or     (B) more than five times for a transaction secured by a dwelling.       (ii) If a person does not meet the numerical standards described in Subsection (3)(b)(i) in the preceding calendar year, the numerical standards shall be applied to the current calendar year.         (4) "Dwelling" means a residential structure attached to real property that contains one to four units including any of the following if used as a residence:   (a) a condominium unit;     (b) a cooperative unit;     (c) a manufactured home; or     (d) a house.       (5) "Earnings" means compensation paid or payable to an individual or for the individual's account for personal services rendered or to be rendered by the individual whether denominated as wages, salary, commission, bonus, or otherwise, and includes periodic payments pursuant to a pension, retirement, or disability program.     (6) "Installment" means a payment upon a debt that is part of a series of payments, each of which is less than the original amount of the debt and scheduled as to a specific amount and due date by agreement of the parties for the purpose of repaying the debt.     (7) "Party" means an individual and any other entity legally capable of entering into a binding contract.    Amended by Chapter 72, 2009 General Session
UT Code § 70C-2-101 (2021)
2021 Utah Code|Title 70C - Utah Consumer Credit Code|Chapter 2 - Finance Charges and Related Provisions|Part 1 - Consumer Credit Agreements|Section 101 - Finance and other charges.

70C-2-101. Finance and other charges.  Except where restricted or otherwise covered by provisions of this title, the parties to a consumer credit agreement may contract for payment by the debtor of any finance charge and other charges and fees.  Enacted by Chapter 159, 1985 General Session
UT Code § 70C-2-102 (2021)
2021 Utah Code|Title 70C - Utah Consumer Credit Code|Chapter 2 - Finance Charges and Related Provisions|Part 1 - Consumer Credit Agreements|Section 102 - Delinquency charges.

70C-2-102. Delinquency charges.    (1)   (a) The parties to any consumer credit agreement may contract for a delinquency charge on any installment not paid in full by its scheduled due date in an amount not exceeding the greater of:   (i) $30; or     (ii) 5% of the delinquent unpaid amount of the installment.       (b) Notwithstanding Subsection (1)(a), in a contract, renewed, executed, or modified on or after May 3, 1999, a depository institution as defined in Section 7-1-103 may contract for and collect a delinquency charge on an installment not paid in full by its scheduled due date in excess of the limitation imposed under Subsection (1)(a).       (2) This section may not be interpreted to require a creditor to accept a partial payment for an installment.     (3)   (a) A delinquency charge as authorized by this section may be collected only once on each installment regardless of how long it remains delinquent.     (b) A delinquency charge may not be collected if:   (i) the installment has been deferred; and     (ii) a deferral charge under Section 70C-2-103 has been paid or incurred.       (c) A delinquency charge may be collected:   (i) at the time it accrues; or     (ii) any time after it accrues.        Amended by Chapter 171, 1999 General Session
UT Code § 70C-2-103 (2021)
2021 Utah Code|Title 70C - Utah Consumer Credit Code|Chapter 2 - Finance Charges and Related Provisions|Part 1 - Consumer Credit Agreements|Section 103 - Deferral charges.

70C-2-103. Deferral charges.    (1) The parties to any consumer credit agreement before or after default may agree in writing to defer all or part of one or more unpaid installments. Except in connection with an open-end credit agreement, the parties may also agree in writing at any time that if an installment is not paid within 10 days after its due date, the creditor may unilaterally grant a deferral. The creditor may collect a reasonable charge which the debtor expressly agrees to pay as consideration for a deferral. A deferral charge may be collected at the time it accrues or at any time thereafter.     (2) A delinquency charge made by the creditor on an installment may not be retained if a deferral charge is agreed to under this section covering the same period of delinquency. A creditor that accelerates the maturity of a consumer credit debt may not make or collect a deferral charge for any period following the date acceleration is declared.    Enacted by Chapter 159, 1985 General Session
UT Code § 70C-2-104 (2021)
2021 Utah Code|Title 70C - Utah Consumer Credit Code|Chapter 2 - Finance Charges and Related Provisions|Part 1 - Consumer Credit Agreements|Section 104 - Advances to perform covenants of buyer.

70C-2-104. Advances to perform covenants of buyer.  If a consumer credit agreement contains covenants by the debtor to perform certain duties pertaining to insuring or preserving collateral and the creditor pursuant to the agreement pays for performance of the duties on behalf of the debtor, the creditor may add the amounts paid to the unpaid principal of the debt.  Enacted by Chapter 159, 1985 General Session
UT Code § 70C-2-105 (2021)
2021 Utah Code|Title 70C - Utah Consumer Credit Code|Chapter 2 - Finance Charges and Related Provisions|Part 1 - Consumer Credit Agreements|Section 105 - Attorney's fees.

70C-2-105. Attorney's fees.  A consumer credit agreement may provide for the payment of reasonable attorney's fees in the event of default and referral to an attorney including one who is a salaried employee of the creditor or its assignee.  Enacted by Chapter 159, 1985 General Session
UT Code § 70C-2-201 (2021)
2021 Utah Code|Title 70C - Utah Consumer Credit Code|Chapter 2 - Finance Charges and Related Provisions|Part 2 - Limitations on Agreements and Practices|Section 201 - Authorization to confess judgment prohibited.

70C-2-201. Authorization to confess judgment prohibited.  A creditor or its successor in interest may not, directly or indirectly, take or receive from a debtor an obligation that constitutes or contains a cognovit or confession of judgment, warrant of attorney, or other waiver of the right to notice and the opportunity to be heard in the event of suit or process thereon.  Enacted by Chapter 159, 1985 General Session