reglab/housing_qa huggingface dataset:
RI Gen L § 5-79-4 (2021)
2021 Rhode Island General Laws|Title 5 - Businesses and Professions|Chapter 5-79 - Mortgage Foreclosure Consultant Regulation|Section 5-79-4 - Violations.

§ 5-79-4. Violations.It is a violation for a foreclosure consultant to:(1) Claim, demand, charge, collect, or receive any compensation until after the foreclosure consultant has fully performed each and every service the foreclosure consultant contracted to perform or represented he or she would perform;(2) Claim, demand, charge, collect, or receive any fee, interest, or any other compensation for any reason that exceeds eight percent (8%) per annum of the amount of any loan that the foreclosure consultant may make to the owner;(3) Take any wage assignment, any lien on any type of real or personal property, or other security to secure the payment of compensation. Any such security is void and unenforceable;(4) Receive any consideration from any third-party in connection with services rendered to an owner unless the consideration is first fully disclosed to the owner;(5) Acquire any interest, directly or indirectly, or by means of a subsidiary or affiliate, in a residence in foreclosure from an owner with whom the foreclosure consultant has contracted;(6) Take any power of attorney from an owner for any purpose, except to inspect documents as provided by law; or(7) Induce or attempt to induce any owner to enter a contract that does not comply in all respects with § 5-79-3.History of Section.P.L. 2006, ch. 242, § 1; P.L. 2006, ch. 287, § 1.
RI Gen L § 5-79-5 (2021)
2021 Rhode Island General Laws|Title 5 - Businesses and Professions|Chapter 5-79 - Mortgage Foreclosure Consultant Regulation|Section 5-79-5 - Waiver not allowed.

§ 5-79-5. Waiver not allowed.Any waiver by an owner of the provisions of §§ 5-79-1 — 5-79-9 is void and unenforceable as contrary to public policy. Any attempt by a foreclosure consultant to induce an owner to waive the owner's rights is a violation of §§ 5-79-1 — 5-79-9.History of Section.P.L. 2006, ch. 242, § 1; P.L. 2006, ch. 287, § 1.
RI Gen L § 5-79-6 (2021)
2021 Rhode Island General Laws|Title 5 - Businesses and Professions|Chapter 5-79 - Mortgage Foreclosure Consultant Regulation|Section 5-79-6 - Remedies.

§ 5-79-6. Remedies.(a) Any violation of §§ 5-79-1 — 5-79-9 is considered to be a violation of § 6-13.1-2, and all remedies of § 6-13.1-5.2 are available for such an action. A private cause of action under § 6-13.1-5.2 by a foreclosed homeowner is in the public interest. An owner may bring an action against a foreclosure consultant for any violation of §§ 5-79-1 — 5-79-9. Any judgment against the mortgage foreclosure consultant shall include actual damages, reasonable attorney's fees and costs, and appropriate equitable relief.(b) The court may award punitive damages up to one and one half (1½) times the compensation charged by the foreclosure consultant if the court finds that the foreclosure consultant violated the provisions of § 5-79-4(1), (2), or (4), and the foreclosure consultant's conduct was in bad faith.(c) The rights and remedies provided in subsection (a) are cumulative to, and not a limitation of, any other rights and remedies provided by law.(d) Any action brought pursuant to this section must be commenced within four (4) years from the date of the alleged violation.(e) Notwithstanding any other provision of this section, no action may be brought on the basis of a violation of §§ 5-79-1 — 5-79-9, except by an owner against whom the violation was committed or by the department of attorney general.History of Section.P.L. 2006, ch. 242, § 1; P.L. 2006, ch. 287, § 1; P.L. 2007, ch. 340, § 3.
RI Gen L § 5-79-7 (2021)
2021 Rhode Island General Laws|Title 5 - Businesses and Professions|Chapter 5-79 - Mortgage Foreclosure Consultant Regulation|Section 5-79-7 - Penalty.

§ 5-79-7. Penalty.Any person who commits any violation described in § 5-79-4 may, upon conviction, be fined not more than ten thousand dollars ($10,000) or imprisoned for not more than one year, or both. Prosecution or conviction for any violation described in § 5-79-4 will not bar prosecution or conviction for any other offenses. These penalties are cumulative to any other remedies or penalties provided by law.History of Section.P.L. 2006, ch. 242, § 1; P.L. 2006, ch. 287, § 1.
RI Gen L § 5-79-8 (2021)
2021 Rhode Island General Laws|Title 5 - Businesses and Professions|Chapter 5-79 - Mortgage Foreclosure Consultant Regulation|Section 5-79-8 - Provisions severable.

§ 5-79-8. Provisions severable.If any provision of §§ 5-79-1 — 5-79-9 or the application of any of these provisions to any person or circumstance is held to be unconstitutional and void, the remainder of §§ 5-79-1 — 5-79-9 remains valid.History of Section.P.L. 2006, ch. 242, § 1; P.L. 2006, ch. 287, § 1.
RI Gen L § 5-79-9 (2021)
2021 Rhode Island General Laws|Title 5 - Businesses and Professions|Chapter 5-79 - Mortgage Foreclosure Consultant Regulation|Section 5-79-9 - Liability.

§ 5-79-9. Liability.Any provision in a contract that attempts or purports to require arbitration of any dispute arising under §§ 5-79-1 — 5-79-9 is void at the option of the owner.History of Section.P.L. 2006, ch. 242, § 1; P.L. 2006, ch. 287, § 1.
RI Gen L § 5-80-1 (2021)
2021 Rhode Island General Laws|Title 5 - Businesses and Professions|Chapter 5-80 - Mortgage Foreclosure Purchasers|Section 5-80-1 - Definitions.

§ 5-80-1. Definitions.As used for §§ 5-80-1 — 5-80-9:(a) "Foreclosed homeowner" means an owner of residential real property, including a condominium, that is the primary residence of the owner and whose mortgage on the real property is or was in foreclosure.(b) "Foreclosure conveyance" means a transaction involving:(1) The transfer of title to real property by a foreclosed homeowner during a foreclosure proceeding, either by transfer of interest from the foreclosed homeowner or by creation of a mortgage or other lien or encumbrance during the foreclosure process that allows the acquirer to obtain title to the property by redeeming the property as a junior lienholder; and(2) The subsequent conveyance, or promise of a subsequent conveyance, of an interest back to the foreclosed homeowner by the acquirer or a person acting in participation with the acquirer that allows the foreclosed homeowner to possess the real property following the completion of the foreclosure proceeding, which interest includes but is not limited to, an interest in a contract for deed, purchase agreement, option to purchase, or lease.(c) "Foreclosure purchaser" means a person who has acted as the acquirer in more than four (4) foreclosure reconveyances during any twenty-four-month (24) period. "Foreclosure purchaser" also includes a person who has acted in joint venture or joint enterprise with one or more acquirers in more than four (4) foreclosure reconveyances during any twenty-four-month (24) period. A federal or state chartered bank, savings bank, thrift, or credit union is not a foreclosure purchaser.(d) "Resale" means a bona fide market sale of the property subject to the foreclosure reconveyance by the foreclosure purchaser to an unaffiliated third-party.(e) "Resale price" means the gross sale price of the property on resale.History of Section.P.L. 2006, ch. 242, § 2; P.L. 2006, ch. 287, § 2.
RI Gen L § 5-80-2 (2021)
2021 Rhode Island General Laws|Title 5 - Businesses and Professions|Chapter 5-80 - Mortgage Foreclosure Purchasers|Section 5-80-2 - Contract requirement - Form and language.

§ 5-80-2. Contract requirement — Form and language.A foreclosure purchaser shall enter into every foreclosure reconveyance in the form of a written contract. Every contract must be written in letters of a size equal to at least twelve-point (12) boldface type, in the same language principally used by the foreclosure purchaser and foreclosed homeowner to negotiate the sale of the residence in foreclosure and must be fully completed and signed and dated by the foreclosed homeowner and foreclosure purchaser before the execution of any instrument of conveyance of the residence in foreclosure.History of Section.P.L. 2006, ch. 242, § 2; P.L. 2006, ch. 287, § 2.
RI Gen L § 5-80-3 (2021)
2021 Rhode Island General Laws|Title 5 - Businesses and Professions|Chapter 5-80 - Mortgage Foreclosure Purchasers|Section 5-80-3 - Contract terms.

§ 5-80-3. Contract terms.(a) Every contract required by § 5-80-2 must contain the entire agreement of the parties and must include the following terms:(1) The name, business address, and the telephone number of the foreclosure purchaser;(2) The address of the residence in foreclosure;(3) The total consideration to be given by the foreclosure purchaser in connection with or incident to the sale;(4) A complete description of the terms of payment or other consideration including, but not limited to, any services of any nature that the foreclosure purchaser represents he or she will perform for the foreclosed homeowner before or after the sale;(5) The time at which possession is to be transferred to the foreclosure purchaser;(6) A complete description of the terms of any related agreement designed to allow the foreclosed homeowner to remain in the home, such as a rental agreement, repurchase agreement, contract for deed, or lease with option to buy;(7) A notice of cancellation as provided in § 5-80-5(b); and(8) The following notice in at least fourteen-point (14) boldface type, if the contract is printed, or in capital letters if the contract is typed, and completed with the name of the foreclosure purchaser, immediately above the statement required by § 5-80-5(a):"NOTICE REQUIRED BY RHODE ISLAND LAWUntil your right to cancel this contract has ended, . . . . . . . . . . . . . . . . . . . (Name) or anyone working for . . . . . . . . . . . . . . . . . . . (Name) CANNOT ask you to sign or have you sign any deed or any other document."The contract required by this section survives delivery of any instrument of conveyance of the residence in foreclosure, and has no effect on persons other than the parties to the contract.History of Section.P.L. 2006, ch. 242, § 2; P.L. 2006, ch. 287, § 2.
RI Gen L § 5-80-4 (2021)
2021 Rhode Island General Laws|Title 5 - Businesses and Professions|Chapter 5-80 - Mortgage Foreclosure Purchasers|Section 5-80-4 - Contract cancellation.

§ 5-80-4. Contract cancellation.(a) In addition to any other right of rescission, the foreclosed homeowner has the right to cancel any contract with a foreclosure purchaser until midnight of the fifth (5th) business day following the day on which the foreclosed homeowner signs a contract that complies with §§ 5-80-1 — 5-80-6 or until 8:00 a.m. on the last day of the period during which the foreclosed homeowner has a right of redemption, whichever occurs first.(b) Cancellation occurs when the foreclosed homeowner delivers, by any means, written notice of cancellation to addresses specified in the contract.(c) A notice of cancellation given by the foreclosed homeowner need not take the particular form as provided with the contract.(d) Within ten (10) days following the receipt of a notice of cancellation given in accordance with this section, the foreclosure purchaser shall return without condition any original contract and any other documents signed by the foreclosed homeowner.History of Section.P.L. 2006, ch. 242, § 2; P.L. 2006, ch. 287, § 2; P.L. 2009, ch. 310, § 45.
RI Gen L § 5-80-5 (2021)
2021 Rhode Island General Laws|Title 5 - Businesses and Professions|Chapter 5-80 - Mortgage Foreclosure Purchasers|Section 5-80-5 - Notice of cancellation.

§ 5-80-5. Notice of cancellation.(a) The contract must contain in immediate proximity to the space reserved for the foreclosed homeowner's signature a conspicuous statement in a size equal to at least fourteen-point (14) boldface type, if the contract is printed, or in capital letters if the contract is typed, as follows:"You may cancel this contract for the sale of your house without any penalty or obligation at any time before _______________________________________ (Date and time of day). See the attached notice of cancellation form for an explanation of this right."The foreclosure purchaser shall accurately enter the date and time of day on which the cancellation right ends.(b) The contract must be accompanied by a completed form in duplicate, captioned "notice of cancellation" in a size equal to a twelve-point (12) boldface type if the contract is printed, or in capital letters, if the contract is typed, followed by a space in which the foreclosure purchaser shall enter the date on which the foreclosed homeowner executes any contract. This form must be attached to the contract, must be easily detachable, and must contain in type of at least ten (10) points, if the contract is printed, or in capital letters if the contract is typed, the following statement written in the same language as used in the contract:"NOTICE OF CANCELLATION . . . . . . . . . . . . . . . . . . . . (Enter date contract signed) You may cancel this contract for the sale of your house, without any penalty or obligation, at any time before . . . . . . . . . . . . . . . . . . . . (enter date and time of day).  To cancel this transaction, personally deliver a signed and dated copy of this cancellation notice to . . . . . . . . . . . . . . . . . . . (Name of purchaser) at . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (Street address of purchaser's place of business) NOT LATER THAN (Enter date and time of day). I hereby cancel this transaction.  . . . . . . . . . . . . . . . . . . . . (Date) . . . . . . . . . . . . . . . . . . . (Seller's signature)"(c) The foreclosure purchaser shall provide the foreclosed homeowner with a copy of the contract and the attached notice of cancellation at the time the contract is executed by all parties.(d) The five (5) business days during which the foreclosed homeowner may cancel the contract must not begin to run until all parties to the contract have executed the contract and the foreclosure purchaser has complied with this section.History of Section.P.L. 2006, ch. 242, § 2; P.L. 2006, ch. 287, § 2.
RI Gen L § 5-80-6 (2021)
2021 Rhode Island General Laws|Title 5 - Businesses and Professions|Chapter 5-80 - Mortgage Foreclosure Purchasers|Section 5-80-6 - Waiver.

§ 5-80-6. Waiver.Any waiver of the provisions of §§ 5-80-1 — 5-80-9 is void and unenforceable as contrary to public policy except a consumer may waive the five-day (5) right to cancel provided in § 5-80-4 if the property is subject to a foreclosure sale within the five (5) business days, and the foreclosed homeowner agrees to waive his or her right to cancel in a handwritten statement signed by all parties holding title to the foreclosed property.History of Section.P.L. 2006, ch. 242, § 2; P.L. 2006, ch. 287, § 2.
RI Gen L § 5-80-7 (2021)
2021 Rhode Island General Laws|Title 5 - Businesses and Professions|Chapter 5-80 - Mortgage Foreclosure Purchasers|Section 5-80-7 - Arbitration.

§ 5-80-7. Arbitration.Any provision in a contract that attempts or purports to require arbitration of any dispute arising under §§ 5-80-1 — 5-80-9 is void at the option of the owner.History of Section.P.L. 2006, ch. 242, § 2; P.L. 2006, ch. 287, § 2.
RI Gen L § 5-80-9 (2021)
2021 Rhode Island General Laws|Title 5 - Businesses and Professions|Chapter 5-80 - Mortgage Foreclosure Purchasers|Section 5-80-9 - Enforcement.

§ 5-80-9. Enforcement.(a) Remedies. A violation of §§ 5-80-1 — 5-80-8 is considered to be a violation of § 6-13.1-2 and all the remedies of § 6-13.1-5.2 are available for such an action. A private right of action under § 6-13.1-5.2 by a foreclosed homeowner is in the public interest.(b) Exemplary damages. In a private right of action under § 6-13.1-5.2 for a violation of § 5-80-8, the court may award exemplary damages of any amount. In the event the court determines that an award of exemplary damages is appropriate, the amount of exemplary damages awarded shall not be less than one and one half (1½) times the foreclosed homeowner's actual damages. Any claim for exemplary damages brought pursuant to this section must be commenced within four (4) years after the date of the alleged violation.(c) Remedies cumulative. The remedies provided in this section are cumulative and do not restrict any remedy that is otherwise available. The provisions of §§ 5-80-1 — 5-80-9 are not exclusive and are in addition to any other requirements, rights, remedies, and penalties provided by law.(d) Criminal penalty. Any foreclosure purchaser who engages in any practice that would operate as a fraud or deceit upon a foreclosed homeowner may, upon conviction, be fined not more than fifty thousand dollars ($50,000) or imprisoned not more than one year, or both. Prosecution or conviction for any one of the violations does not bar prosecution or conviction for any other offenses.(e) Failure of transaction. Failure of the parties to complete the reconveyance transaction, in the absence of additional misconduct, shall not subject a foreclosure purchaser to the criminal penalties under § 5-79-7 or this section.(f) Limitation. Notwithstanding any other provisions of this section, no action may be brought on the basis of a violation of §§ 5-80-1 — 5-80-9, except by an owner against whom the violation was committed or by the department of attorney general.History of Section.P.L. 2006, ch. 242, § 2; P.L. 2006, ch. 287, § 2; P.L. 2007, ch. 340, § 2.
RI Gen L § 5-81-1 (2021)
2021 Rhode Island General Laws|Title 5 - Businesses and Professions|Chapter 5-81 - Truth in Music Advertising Act|Section 5-81-1 - Short title.

§ 5-81-1. Short title.This chapter shall be known and may be cited as the "Truth in Music Advertising Act."History of Section.P.L. 2008, ch. 242, § 1; P.L. 2008, ch. 312, § 1.
RI Gen L § 5-81-2 (2021)
2021 Rhode Island General Laws|Title 5 - Businesses and Professions|Chapter 5-81 - Truth in Music Advertising Act|Section 5-81-2 - Definitions.

§ 5-81-2. Definitions.The following words and phrases when used in this chapter shall have the meanings given to them in this chapter unless the context clearly indicates otherwise:(1) "Performing group" means a vocal or instrumental group seeking to use the name of another group that has previously released a commercial sound recording under that name.(2) "Recording group" means a vocal or instrumental group at least one of whose members has previously released a commercial sound recording under that group's name and in which the member or members have a legal right by virtue of use or operation under the group name without having abandoned the name or affiliation with the group.(3) "Sound recording" means a work that results from the fixation on a material object of a series of musical, spoken, or other sounds, regardless of the nature of the material object, such as a disk, tape, or other phono-record, in which the sounds are embodied.History of Section.P.L. 2008, ch. 242, § 1; P.L. 2008, ch. 312, § 1.
RI Gen L § 5-81-3 (2021)
2021 Rhode Island General Laws|Title 5 - Businesses and Professions|Chapter 5-81 - Truth in Music Advertising Act|Section 5-81-3 - Production.

§ 5-81-3. Production.It shall be unlawful for any person to advertise or conduct a live musical performance or production in this state through the use of a false, deceptive, or misleading affiliation, connection, or association between a performing group and a recording group. This section does not apply if any of the following apply:(1) The performing group is the authorized registrant and owner of a federal service mark for that group registered in the United States Patent and Trademark Office.(2) At least one member of the performing group was a member of the recording group and has a legal right by virtue of use or operation under the group name without having abandoned the name or affiliation with the group.(3) The live musical performance or production is identified in all advertising and promotion as a salute or tribute.(4) The advertising does not relate to a live musical performance or production taking place in this state.(5) The performance or production is expressly authorized by the recording group.History of Section.P.L. 2008, ch. 242, § 1; P.L. 2008, ch. 312, § 1.
RI Gen L § 5-81-4 (2021)
2021 Rhode Island General Laws|Title 5 - Businesses and Professions|Chapter 5-81 - Truth in Music Advertising Act|Section 5-81-4 - Restraining prohibited acts - Injunction.

§ 5-81-4. Restraining prohibited acts — Injunction.Whenever the attorney general has a reason to believe that any person is advertising or conducting or is about to advertise or conduct a live musical performance or production in violation of § 5-81-3 and that proceedings would be in the public interest, the attorney general may bring an action against the person to restrain, by temporary or permanent injunction, that practice.History of Section.P.L. 2008, ch. 242, § 1; P.L. 2008, ch. 312, § 1.
RI Gen L § 5-81-5 (2021)
2021 Rhode Island General Laws|Title 5 - Businesses and Professions|Chapter 5-81 - Truth in Music Advertising Act|Section 5-81-5 - Payment of costs and restitution.

§ 5-81-5. Payment of costs and restitution.Whenever any court issues a permanent injunction to restrain and prevent violations of this chapter as authorized in § 5-81-4, the court may in its discretion direct that the defendant restore to any person in interest any moneys or property real or personal that may have been acquired by means of any violation of this chapter, under terms and conditions to be established by the court.History of Section.P.L. 2008, ch. 242, § 1; P.L. 2008, ch. 312, § 1.
RI Gen L § 5-81-6 (2021)
2021 Rhode Island General Laws|Title 5 - Businesses and Professions|Chapter 5-81 - Truth in Music Advertising Act|Section 5-81-6 - Penalty.

§ 5-81-6. Penalty.Any person who violates the provisions of § 5-81-3 is liable to the state for a civil penalty of not less than five thousand dollars ($5,000) nor more than fifteen thousand dollars ($15,000) per violation, which civil penalty shall be in addition to any other relief which may be granted under §§ 5-81-4 and 5-81-5. Each performance or production declared unlawful by § 5-81-3 shall constitute a separate violation.History of Section.P.L. 2008, ch. 242, § 1; P.L. 2008, ch. 312, § 1.
RI Gen L § 5-82-1 (2021)
2021 Rhode Island General Laws|Title 5 - Businesses and Professions|Chapter 5-82 - Home Heating Oil Sales|Section 5-82-1 - Requirements for guaranteed price plans, price protection, and prepaid contracts.

§ 5-82-1. Requirements for guaranteed price plans, price protection, and prepaid contracts.(a) A contract for the retail sale of home heating oil that offers a guaranteed-price plan, including a ceiling-price-cap-plan contract and any other similar plan, must be disclosed in a way to clearly define the terms and conditions of the price plan. The disclosure of terms and conditions must be in plain language; must immediately follow the language concerning the price or service that could be affected; and must be, if initiated verbally, confirmed in writing no more than fourteen (14) days from the initiation date using no less than twelve-point (12) boldface type of uniform font. The disclosure of terms and conditions, must include, but not be limited to, any additional fees or costs for securing the guaranteed price, as well as, any early termination fees.(b) A solicitation for the retail sale of home-heating oil that offers a guaranteed-price plan, including a ceiling-price-cap plan and any other similar plan, must be confirmed in writing, no more than fourteen (14) days from the solicitation date, and the terms and conditions of that offer must be disclosed in plain language.(c) A home-heating-oil dealer that pays for media or print advertising of a price shall offer the price for a period of no less than twenty-four (24) hours, or until the next advertised price is so publicized, whichever occurs first.(d) No prepaid, home-heating-oil contract shall require any consumer commitment to purchase home-heating oil pursuant to the terms of such contract for a period of more than twelve (12) months.(e) Any violation of this chapter shall render the terms and conditions of the aforementioned contract null and void.History of Section.P.L. 2009, ch. 125, § 1; P.L. 2009, ch. 138, § 1.