reglab/housing_qa huggingface dataset:
AR Code § 4-111-101 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 111 - Consumer Protection Against Computer Spyware Act|§ 4-111-101. Short title

 This chapter shall be known and cited as the “Consumer Protection Against Computer Spyware Act”.
AR Code § 4-111-104 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 111 - Consumer Protection Against Computer Spyware Act|§ 4-111-104. Penalties

 Any violation of this chapter is punishable by action of the Attorney General under the Deceptive Trade Practices Act, § 4-88-101 et seq.
AR Code § 4-111-105 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 111 - Consumer Protection Against Computer Spyware Act|§ 4-111-105. Use of Spyware Monitoring Fund

 (a) All fines and penalties collected under § 4-111-104 shall be paid to the Treasurer of State for the benefit of the Spyware Monitoring Fund to be used by the Attorney General to:  (1) Investigate potential violations and enforce the provisions of this subchapter; and  (2) Establish and maintain a website to:  (A) Provide information concerning:  (i) The availability of computer software to combat spyware; and  (ii) False representations about the effectiveness of specific antispyware software;    (B) Promote consumer awareness about spyware, antispyware, and computer fraud;  (C) Educate consumers about:  (i) Spyware, computer fraud, and the effects of spyware and computer fraud upon consumer privacy and computer systems; and  (ii) How to access or obtain computer software to combat spyware; and    (D) Provide consumers with links to antispyware websites with helpful information.      (b) The Attorney General is authorized to request an appropriation from the fund to offset his or her salary and administrative expenses directly related to the enforcement of this subchapter and the administration of the website.
AR Code § 4-112-101 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 112 - Arkansas Consumer Report Security Freeze Act|§ 4-112-101. Title

 This chapter shall be known and may be cited as the “Arkansas Consumer Report Security Freeze Act”.
AR Code § 4-112-102 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 112 - Arkansas Consumer Report Security Freeze Act|§ 4-112-102. Definitions

 As used in this chapter:   (1) “Consumer” means an individual;  (2) “Consumer report” means the same as defined in 15 U.S.C. § 1681a(d) as it existed on January 1, 2009;  (3) “Consumer reporting agency” means the same as defined in 15 U.S.C. § 1681a(f) as it existed on January 1, 2009;  (4) “Credit report” means a consumer report that a consumer reporting agency furnishes to a person that it has reason to believe intends to use the consumer report as a factor in establishing the consumer's eligibility for credit to be used primarily for personal, family, or household purposes;  (5) “Proper identification” means the same as defined in 15 U.S.C. § 1681h(a)(1) as it existed on January 1, 2009;  (6) “Security freeze” means a notice placed in a credit report of a consumer at the request of the consumer that prohibits a consumer reporting agency from releasing the credit report or credit score of the consumer in response to a request to open a new account or to extend credit; and  (7)  (A) “Victim of identity theft” means a consumer who supplies to a consumer reporting agency in conjunction with a request for a security freeze a copy of a valid investigative report, an incident report, or a complaint with a law enforcement agency alleging the unlawful use of the consumer's identifying information by another person.  (B) The copy of the valid investigative report, the incident report, or the complaint with a law enforcement agency may be transmitted to the consumer reporting agency by mail or secure electronic connection or secure electronic mail connection if the connection is made available by the consumer reporting agency.
AR Code § 4-112-103 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 112 - Arkansas Consumer Report Security Freeze Act|§ 4-112-103. Placement of security freeze

 (a) A consumer may request that a security freeze be placed on his or her consumer report by:  (1) Sending his or her request in writing by mail to a consumer reporting agency;  (2) Telephoning his or her request to a consumer reporting agency and providing over the telephone proper identification or certain personal identification information required by the consumer reporting agency; or  (3) Electronically forwarding his or her request to a consumer reporting agency through a secure electronic connection or a secure electronic mail connection if the connection is made available by the consumer reporting agency.    (b) A consumer reporting agency shall place a security freeze on a credit report of a consumer no later than three (3) business days after receiving from the consumer:  (1) A request as provided in subsection (a) of this section;  (2) Proper identification; and  (3) Payment of the required fee, if applicable.    (c) Within five (5) business days of the receipt of the information and any applicable fees under subsection (b) of this section, the consumer reporting agency shall:  (1) Send a written confirmation of the placement of the security freeze to the consumer; and  (2) Provide the consumer with a unique personal identification number or password to be used by the consumer when providing authorization for the release of his or her credit report for a specific period of time.    (d) At the time a consumer requests a security freeze, the consumer reporting agency shall disclose the process:  (1) Of placing a security freeze and temporarily lifting a security freeze; and  (2) For allowing access to information from the credit report of the consumer for a period of time while the security freeze is in place.
AR Code § 4-112-105 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 112 - Arkansas Consumer Report Security Freeze Act|§ 4-112-105. Removal of security freeze

 (a) A consumer reporting agency shall remove or temporarily lift a security freeze placed on the credit report of a consumer in the following cases:  (1) Upon the consumer's request under § 4-112-104 or § 4-112-106; or  (2) If the credit report of the consumer was frozen due to a material misrepresentation of fact by the consumer.    (b) If a consumer reporting agency intends to remove a security freeze upon a credit report of a consumer and is not doing so at the request of the consumer, the consumer reporting agency shall notify the consumer in writing at least three (3) business days before removing the security freeze on the credit report of the consumer.
AR Code § 4-112-106 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 112 - Arkansas Consumer Report Security Freeze Act|§ 4-112-106. Consumer request for removal of security freeze

 (a)  (1) A security freeze shall remain in place until the consumer requests that the security freeze be removed using a method of contact designated by the consumer reporting agency.  (2) A consumer reporting agency shall remove a security freeze within three (3) business days of receiving a request for removal under subdivision (a)(1) of this section from a consumer who provides with the request:  (A) Proper identification; and  (B) The unique personal identification number or password provided by the consumer reporting agency under § 4-112-103(c)(2).      (b) A consumer reporting agency shall require proper identification of the consumer making a request to place or remove a security freeze.
AR Code § 4-112-107 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 112 - Arkansas Consumer Report Security Freeze Act|§ 4-112-107. Exceptions

 (a) This chapter does not apply to the use of a credit report by any of the following:  (1)  (A) A person or an entity, or a subsidiary, an affiliate, or an agent of that person or entity, or an assignee of a financial obligation owed by the consumer to that person or entity, or a prospective assignee of a financial obligation owed by the consumer to that person or entity in conjunction with the proposed purchase of the financial obligation, with which the consumer has or had prior to assignment an account or a contract including a demand deposit account, or to whom the consumer issued a negotiable instrument, for the purposes of reviewing the account or collecting the financial obligation owed for the account, contract, or negotiable instrument.  (B) As used in this subdivision (a)(1), “reviewing the account” includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements;    (2) A subsidiary, an affiliate, an agent, an assignee, or a prospective assignee of a person or an entity to which access has been granted for purposes of facilitating the extension of credit or other permissible use;  (3) A state or local agency, law enforcement agency, trial court, or private collection agency acting under a court order, warrant, or subpoena;  (4) A child support agency acting under Title IV-D of the Social Security Act, 42 U.S.C. § 651 et seq., as it existed on January 1, 2009;  (5) The state or its agents or assigns acting to investigate fraud or acting to investigate or collect delinquent taxes or unpaid court orders or to fulfill any of its other constitutional or statutory responsibilities if such responsibilities are consistent with a permissible purpose under 15 U.S.C. § 168lb, as it existed on January 1, 2009;  (6) The use of credit information used for purposes permitted under 15 U.S.C. § 1681b(c), as it existed on January 1, 2009;  (7) Any person or entity administering a credit file monitoring subscription or similar service to which the consumer has subscribed;  (8) Any person or entity for the purpose of providing a consumer with a copy of his or her credit report or credit score upon the request of the consumer;  (9) Any person using the information in connection with the business of insurance; or  (10) A consumer reporting agency for its database or file that is used for one (1) or more of the following:  (A) Maintaining criminal records;  (B) Fraud prevention or detection;  (C) Maintaining personal loss history information; or  (D) Employment, tenant, or individual background screening.
AR Code § 4-112-108 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 112 - Arkansas Consumer Report Security Freeze Act|§ 4-112-108. Permissible fees — Exception

 (a) Except as provided in subsection (b) of this section, a consumer reporting agency may charge a consumer a fee of no more than five dollars ($5.00) for the:  (1) Initial placement of a security freeze;  (2) Removal of a security freeze; or  (3) Temporary lifting of a security freeze for a period of time.    (b) A consumer reporting agency shall not charge a fee for the initial placement of a security freeze if requested by a consumer who is:  (1) At least sixty-five (65) years of age; or  (2) A victim of identity theft.
AR Code § 4-112-109 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 112 - Arkansas Consumer Report Security Freeze Act|§ 4-112-109. Written confirmation

 (a) If a security freeze is in place, a consumer reporting agency shall not change any of the following official information in a credit report without sending a written confirmation of the change to the consumer within thirty (30) days of posting the change to the file of the consumer:  (1) Name;  (2) Date of birth;  (3) Social security number; and  (4) Address.    (b)  (1) Written confirmation is not required for technical modifications of official information of a consumer, including name and street abbreviations, complete spellings, or the transposition of numbers or letters.  (2) In the case of an address change, the written confirmation shall be sent to both the new address and to the former address.
AR Code § 4-112-110 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 112 - Arkansas Consumer Report Security Freeze Act|§ 4-112-110. Entities not required to place security freeze

 The following entities are not required to place a security freeze on a credit report:   (1)  (A) A consumer reporting agency that acts only as a reseller of credit information by assembling and merging information contained in the database of another consumer reporting agency or multiple consumer reporting agencies and does not maintain a permanent database of credit information from which new credit reports are produced.  (B) However, a consumer reporting agency acting as a reseller shall honor any security freeze placed on a credit report by another consumer reporting agency;    (2) A check services or fraud prevention services company that issues reports on incidents of fraud or authorizations for the purpose of approving or processing negotiable instruments, electronic funds transfers, or similar methods of payments; or  (3) A deposit account information service company that issues reports regarding account closures due to fraud, substantial overdrafts, automatic teller machine abuse, or similar negative information regarding a consumer to inquiring banks or other financial institutions for use only in reviewing a consumer request for a deposit account at the inquiring bank or financial institution.
AR Code § 4-112-112 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 112 - Arkansas Consumer Report Security Freeze Act|§ 4-112-112. Civil action

 (a) Any person or entity that willfully fails to comply with any requirement imposed under this chapter with respect to any consumer is liable to that consumer in an amount equal to the sum of:  (1) Any actual damages sustained by the consumer; and  (2) In the case of any successful action to enforce any liability under this chapter, the costs of the action together with reasonable attorney's fees as determined by the court.    (b) Any person or entity that obtains a credit report, requests a security freeze, or requests the temporary lift of a security freeze or the removal of a security freeze from a consumer reporting agency under false pretenses or in an attempt to violate federal or state law is liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or one thousand dollars ($1,000), whichever is greater.  (c) Any person or entity that is negligent in failing to comply with any requirement imposed under this chapter with respect to any consumer is liable to that consumer in an amount equal to the sum of:  (1) Any actual damages sustained by the consumer as a result of the failure; and  (2) In the case of any successful action to enforce any liability under this chapter, the costs of the action together with reasonable attorney's fees as determined by the court.    (d) Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this chapter was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party reasonable attorney's fees in relation to the work expended in responding to the pleading, motion, or other paper.
AR Code § 4-112-113 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 112 - Arkansas Consumer Report Security Freeze Act|§ 4-112-113. Enforcement — Penalties — Remedies

 (a) A violation of this chapter constitutes an unfair act or practice or a deceptive act or practice under § 4-88-101 et seq. pertaining to deceptive trade practices.  (b)  (1) All remedies, penalties, and authority granted to the Attorney General under § 4-88-101 et seq. shall be available to the Attorney General for enforcement of this chapter.  (2) The remedies and penalties provided by this section are cumulative to each other and the remedies or penalties available under all other laws of this state.
AR Code § 4-112-114 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 112 - Arkansas Consumer Report Security Freeze Act|§ 4-112-114. No prohibition on advising third party that security freeze is in effect

 This chapter does not prohibit a consumer reporting agency from advising a third party that a security freeze is in effect with respect to the credit report of a consumer.
AR Code § 4-114-101 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 114 - Service Contracts Act|§ 4-114-101. Title

 This chapter shall be known and may be cited as the “Service Contracts Act”.
AR Code § 4-114-102 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 114 - Service Contracts Act|§ 4-114-102. Scope and purpose

 (a) The purpose of this chapter is to:  (1) Create a legal framework within which service contracts are defined, may be sold, and are regulated in this state;  (2) Add significant consumer protections; and  (3) Eliminate unnecessary administration.    (b) A service contract under § 4-114-103 is not insurance and is not subject to the Arkansas Insurance Code.  (c) This chapter does not apply to:  (1) Warranties;  (2) Maintenance agreements;  (3) Commercial transactions;  (4) A person or entity or the affiliate of a person or entity licensed or certificated by the Arkansas Public Service Commission or the Federal Communications Commission with respect to warranties, service contracts, or maintenance agreements covering wiring, transmission devices, equipment, or services offered or provided by the person, entity, or affiliate to its customers;  (5) Service contracts sold or offered for sale to persons other than consumers;  (6) Motor vehicle service contracts as defined in and regulated pursuant to the Motor Vehicle Service Contract Act, § 4-90-501 et seq.; or  (7) Mechanical breakdown insurance.    (d) Manufacturer's service contracts on the manufacturer's products are subject only to §§ 4-114-106(a), 4-114-106(d)-(g), 4-114-107, and 4-114-111.  (e) Other than mechanical breakdown insurance, the types of agreements referred to in subsections (c) and (d) of this section and service contracts governed under this chapter are not insurance and are not subject to compliance with any provision of the insurance laws of this state.
AR Code § 4-114-105 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 114 - Service Contracts Act|§ 4-114-105. Required disclosures — Reimbursement insurance policy

 (a) Reimbursement insurance policies insuring service contracts issued, sold, or offered for sale in this state shall state that the insurer that issued the reimbursement insurance policy shall:  (1) Reimburse or pay on behalf of the provider any covered sums the provider is legally obligated to pay; or  (2) In the event of the provider's nonperformance, shall provide the service that the provider is legally obligated to perform according to the provider's contractual obligations under the service contracts issued or sold by the provider.    (b) In the event covered service is not provided by the provider within sixty (60) days of proof of loss by the service contract holder, the service contract holder is entitled to apply directly to the reimbursement insurance company.
AR Code § 4-114-107 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 114 - Service Contracts Act|§ 4-114-107. Prohibited acts

 (a)  (1) A provider shall not use a name:  (A) With the words “insurance”, “casualty”, “surety”, “mutual”, or any other words descriptive of the insurance, casualty, or surety business; or  (B) Deceptively similar to the name or description of any insurance or surety corporation or any other provider.    (2)  (A) This subsection shall not apply to a company that was using any of the prohibited language in its name prior to October 1, 2007.  (B) However, a company using the prohibited language in its name shall conspicuously disclose in its service contracts that the service contract is not an insurance contract.      (b) A provider or its representative shall not in its service contracts or literature make or permit or cause to be made any false or misleading statement or deliberately omit any material statement that would be considered misleading if omitted in connection with the sale, offer to sell, or advertisement of a service contract.  (c) A person, including without limitation a bank, savings and loan association, lending institution, manufacturer, or seller of any product shall not require the purchase of a service contract as a condition of a loan or a condition for the sale of any property.
AR Code § 4-114-108 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 114 - Service Contracts Act|§ 4-114-108. Recordkeeping requirements

 (a)  (1) A provider shall keep accurate accounts, books, and records concerning transactions regulated under this chapter.  (2) A provider's accounts, books, and records shall include:  (A) A copy of each type of service contract issued;  (B) The name and address of each service contract holder to the extent that the name and address have been furnished by the service contract holder;  (C) A list of the provider locations where service contracts are marketed, sold, or offered for sale; and  (D) Claims files containing at a minimum the dates, amounts, and description of all receipts, claims, and expenditures related to the service contracts.    (3) Except as provided in subsection (b) of this section, a provider shall retain all records pertaining to each service contract holder for at least three (3) years after the specified period of coverage has expired.  (4)  (A) A provider may keep all records required under this chapter on a computer disk or other similar technology.  (B) If a provider maintains records in other than hard copy, records shall be accessible from a computer terminal available to the Insurance Commissioner and be capable of duplication to legible hard copy.      (b) A provider discontinuing business in this state shall maintain its records until it furnishes the commissioner satisfactory proof that it has discharged all obligations to service contract holders in this state.  (c) A provider shall make all accounts, books, and records concerning transactions regulated under this chapter or other pertinent laws available to the commissioner upon request.  (d) The books and records requirement of this section may be delegated by the provider to its administrator or other designee, but such delegation shall not relieve the provider of its obligations to have the books and records maintained and produced upon the commissioner's request.
AR Code § 4-114-109 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 114 - Service Contracts Act|§ 4-114-109. Cancellation of reimbursement insurance policy

 (a) An insurer that issued a reimbursement insurance policy shall not terminate the policy until at least sixty (60) days' notice of termination has been mailed or delivered to the Insurance Commissioner and in accordance with any other applicable law.  (b) The termination of a reimbursement insurance policy shall not reduce the insurer's responsibility for service contracts issued by providers prior to the date of the termination.