reglab/housing_qa huggingface dataset:
NV Rev Stat § 672.875 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.875 - Regular reserves.

  1. Before the payment of any dividend by a central credit union, a regular reserve against loan losses shall be set aside according to the following schedule:  (a) Until the regular reserve equals 5 percent of the outstanding loans and risk assets, 2 percent of the gross earnings shall be withheld.  (b) Whenever the regular reserve falls below 5 percent of the outstanding loans and risk assets it shall be replenished in accordance with the formula set forth in paragraph (a).  2. No other reserves need be maintained by the central credit union.  (Added to NRS by 1977, 889) — (Substituted in revision for NRS 678.875)
NV Rev Stat § 672.880 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.880 - Use of words "credit union" or conducting business as credit union by person not organized as credit union; spreading false report concerning management or finances of credit union.

  1. Any person, except a credit union organized under the provisions of this chapter or the Nevada Credit Union League, which uses a name or title containing the words "credit union" or any derivation thereof or representing themselves in their advertising or otherwise as conducting business as a credit union is guilty of a gross misdemeanor.  2. Any person who maliciously and knowingly spreads false reports about the management or finances of any credit union is guilty of a gross misdemeanor.  (Added to NRS by 1975, 394) — (Substituted in revision for NRS 678.880)
NV Rev Stat § 672.890 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.890 - Administrative fines.

In addition to any other remedy or penalty, the Commissioner may impose an administrative fine of not more than $10,000 upon a person who:  1. Without a license, conducts any business or activity for which a license is required pursuant to the provisions of this chapter; or  2. Violates any provision of this chapter or any regulation adopted pursuant thereto.  (Added to NRS by 2005, 1890) — (Substituted in revision for NRS 678.890)
NV Rev Stat § 673.001 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.001 - Definitions.

As used in this chapter, unless the context otherwise requires, the words and terms defined in NRS 673.0054 to 673.034, inclusive, have the meanings ascribed to them in those sections.  (Added to NRS by 1959, 537; A 1969, 966; 1979, 710; 1983, 1771; 1987, 1956; 2017, 1921)
NV Rev Stat § 673.0054 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.0054 - "Commissioner" defined.

Commissioner means the Commissioner of Financial Institutions.  (Added to NRS by 1987, 1956)
NV Rev Stat § 673.0056 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.0056 - "Cooperative housing corporation" defined.

Cooperative housing corporation means a corporation organized under the laws of this State or any other state for the purpose of the cooperative ownership of real estate whereby each of the stockholders or members is entitled, through ownership of stock or a certificate of membership in the corporation, to occupy a house, apartment or other dwelling unit on real estate owned by the corporation.  (Added to NRS by 1979, 710; A 2017, 1921)
NV Rev Stat § 673.0057 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.0057 - "Deposit" defined.

Deposit means that part of the liability of a savings bank which is credited to the account of the holder thereof and is eligible to be insured by the Federal Deposit Insurance Corporation.  (Added to NRS by 1969, 961; A 2017, 1921)
NV Rev Stat § 673.00575 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.00575 - "Deposit account" defined.

Deposit account means an account that holds deposits, whether in a commercial, demand, time, checking, savings or similar type of account, or which is evidenced by a certificate of deposit, investment certificate, certificate of indebtedness or other similar name, for which the savings bank is primarily liable.  (Added to NRS by 2017, 1914)
NV Rev Stat § 673.00577 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.00577 - "Depository institution" defined.

Depository institution means any state bank or savings bank, association, limited-liability company, corporation or other person organized for the purpose of conducting a banking business, whether chartered by this State, another state or the Federal Government, which:  1. Holds or receives deposits, savings or share accounts;  2. Issues certificates of deposit; or   3. Provides to its customers other deposit accounts which are subject to withdrawal by checks, drafts or other instruments or by electronic means to effect payment to a third party.  (Added to NRS by 2017, 1914)
NV Rev Stat § 673.0065 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.0065 - "Director" defined.

Director means the Director of the Department of Business and Industry.  (Added to NRS by 1963, 683; A 1993, 1896)
NV Rev Stat § 673.0075 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.0075 - "Division of Financial Institutions" defined.

Division of Financial Institutions means the Division of Financial Institutions of the Department of Business and Industry.  (Added to NRS by 2017, 1914)
NV Rev Stat § 673.0077 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.0077 - "Federal savings bank" defined.

Federal savings bank means any type of federal savings association organized pursuant to the Home Owners’ Loan Act of 1933, 12 U.S.C. §§ 1461 to 1468, inclusive.  (Added to NRS by 2017, 1914)
NV Rev Stat § 673.008 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.008 - "Foreign" defined.

Foreign, used in connection with an association, limited-liability company, corporation or other person organized for the purpose of conducting a banking business, means an association, limited-liability company, corporation or person organized for the purpose of conducting a banking business that is organized or incorporated under the laws of some government other than that of the State of Nevada. The term includes any savings association, savings and loan association or other depository institution that specializes in accepting deposits and making mortgage and other loans pursuant to its charter, which is organized under the laws of another state or the United States.  (Added to NRS by 1959, 538; A 2017, 1921)
NV Rev Stat § 673.0155 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.0155 - "Insolvency" or "insolvent" defined.

Insolvency or "insolvent" means one or more of the following:  1. When a savings bank cannot meet its deposit liabilities as they become due in the regular course of business.  2. When the actual cash market value of the assets of a savings bank is insufficient to pay its liabilities to depositors and other creditors.  3. When the reserves of a savings bank fall under the amount required by this chapter, and the savings bank fails to make good such reserve within 30 days after being required to do so by the Commissioner.  4. When the undivided profits and surplus of a savings bank are inadequate to cover losses of the savings bank and the stockholders’ or members’ equity in the savings bank has been reduced below the requirements of law.  (Added to NRS by 2017, 1914)
NV Rev Stat § 673.016 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.016 - "Insured depository institution" defined.

Insured depository institution means a depository institution the deposit accounts of which are insured wholly or in part by the Federal Deposit Insurance Corporation.  (Added to NRS by 1959, 538; A 1993, 2806; 2017, 1921)
NV Rev Stat § 673.017 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.017 - "Investment certificate" defined.

  1. "Investment certificate" means any certificate or contract, either paid up or purchasable on an installment basis, which is issued for the purpose of providing a means of investment or savings.  2. An accumulative investment certificate is an investment certificate, not full-paid and without an expressed date of maturity, upon which the holder has the option of making payments at such times and in such amounts as the holder elects and as the savings bank permits.  3. A full-paid investment certificate is an investment certificate, with or without an expressed date of maturity, for which the savings bank has received the principal amount thereof at or prior to the time of the issuance of the certificate.  4. A minimum term investment certificate is an investment certificate for which the savings bank has received a single payment equal to the principal amount thereof and which has a date expressed therein before which notice of intention to withdraw cannot be given, or which requires written notice from the holder to the savings bank for a period specified therein before the expiration of which period notice of intention to withdraw cannot be given. On and after such date, or upon and after the expiration of the specified period following such written notice, each such certificate ceases to be a minimum term investment certificate and becomes a full-paid investment certificate, subject to the same withdrawal rights and restrictions as a full-paid investment certificate.  (Added to NRS by 1959, 538; A 1963, 457; 1969, 967; 2017, 1921)
NV Rev Stat § 673.0175 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.0175 - "Main office" defined.

Main office means the office of a savings bank identified as such in the application submitted pursuant to subsection 4 of NRS 673.080 or the location to which the main office is changed pursuant to subsection 14 of NRS 673.080 or other applicable law.  (Added to NRS by 2017, 1915)
NV Rev Stat § 673.0185 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.0185 - "Merger" defined.

Merger means that consolidation of corporate structures which results in the uniting of substantially all the assets and liabilities of one state-chartered savings bank with those of another such savings bank or state bank or with those of a federal savings bank or national bank, or other insured depository institution.  (Added to NRS by 1969, 961; A 2017, 1922)
NV Rev Stat § 673.0313 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.0313 - "Savings association" defined.

Savings association means a savings association, savings and loan association or other depository institution chartered under this chapter before June 3, 2017.  (Added to NRS by 2017, 1915)
NV Rev Stat § 673.0317 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.0317 - "Savings bank" defined.

Savings bank means a depository institution subject to the provisions of this chapter to conduct the business of a savings bank.  (Added to NRS by 1959, 537; A 1977, 488; 2017, 1921) — (Substituted in revision for NRS 673.002)
NV Rev Stat § 673.0321 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.0321 - "Service office" defined.

Service office means any office or other place of business in this State where the functions of a savings bank that do not involve receiving deposits, paying checks or lending money are performed.  (Added to NRS by 1967, 1019; A 1983, 1771; 1987, 1956; 2017, 1922)
NV Rev Stat § 673.0323 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.0323 - "State bank" or "commercial bank" defined.

State bank or "commercial bank" means a limited-liability company, corporation or other person organized for the purpose of conducting a banking business that is chartered by this State to conduct the business of banking and is organized pursuant to the provisions of chapter 659 of NRS.  (Added to NRS by 2017, 1915)
NV Rev Stat § 673.034 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.034 - "Withdrawal value" defined.

Withdrawal value means the amount credited to a deposit account, less lawful deductions therefrom, as shown by the records of the savings bank.  (Added to NRS by 1959, 540; A 2017, 1922)
NV Rev Stat § 673.035 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.035 - Administration of chapter.

The Commissioner shall administer the provisions of this chapter, subject to administrative supervision by the Director. He or she shall make the decisions, determinations and enter the consents and orders necessary or reasonably appropriate to accomplish the purposes of this chapter.  (Added to NRS by 1961, 763; A 1963, 1076; 1969, 967; 1981, 505; 1983, 1771; 1987, 1956)
NV Rev Stat § 673.03531 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.03531 - Certain relationships between employees of Division of Financial Institutions and savings bank prohibited; termination of prohibited relationship.

  1. Except as provided in subsections 3 and 4, an officer or employee of the Division of Financial Institutions shall not:  (a) Be directly or indirectly interested in or act on behalf of any savings bank;  (b) Receive, directly or indirectly, any payment from a savings bank;  (c) Be indebted to any savings bank;  (d) Engage in the negotiation of loans for others with any savings bank; or  (e) Obtain credit or services from a savings bank conditioned upon a fraudulent practice or undue or unfair preference over other customers.  2. An employee of the Division of Financial Institutions in the unclassified service of the State shall not obtain new extensions of credit from a savings bank while in office.  3. Any officer or employee of the Division of Financial Institutions may be indebted to a savings bank on the same terms as are available to the public generally upon:  (a) A mortgage loan upon his or her own real property.  (b) A secured installment debt.  (c) An unsecured debt.  4. Any officer or employee of the Division of Financial Institutions may establish and maintain savings deposits with savings banks to the greatest amount insured, receive interest on those deposits and borrow money secured by a pledge of those deposits.  5. If an officer or employee of the Division of Financial Institutions has a service, a preferred consideration, an interest or a relationship prohibited by this section at the time of his or her appointment or employment, or obtains it during his or her employment, he or she shall terminate it within 120 days after the date of his or her appointment or employment or the discovery of the prohibited act.  (Added to NRS by 1963, 472; A 1977, 509; 1983, 1771; 2017, 1922)
NV Rev Stat § 673.039 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.039 - Records of Commissioner.

The Commissioner shall:  1. Keep in his or her office:  (a) For no less than 5 years, every report made by a savings bank.  (b) The original application of every savings bank in a permanent file.  (c) Other administrative documents in the manner provided by law or by appropriate regulations.  2. Provide a complete stenographic record of every hearing and proceeding conducted by his or her office and maintain, for no less than 5 years, a transcript of the hearing or proceeding, together with any regulation, order, decision, determination or consent entered in connection with the hearing or proceeding.  (Added to NRS by 1961, 764; A 1963, 683; 1969, 968; 1971, 811; 1983, 1772; 1987, 1956; 2017, 1923)
NV Rev Stat § 673.040 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.040 - Commissioner to supervise and make policy.

The Commissioner shall supervise and make all policy with regard to all foreign and domestic savings banks, companies and corporations governed by this chapter and doing business in this state.  [Part 22:51:1931; A 1933, 78; 1939, 153; 1931 NCL § 970.21] — (NRS A 1961, 762; 1963, 1076; 1983, 1773; 1987, 1957; 2017, 1923)
NV Rev Stat § 673.043 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.043 - Regulations; authority of Commissioner to waive, modify or alter any requirement of chapter.

  1. The Commissioner may adopt such regulations as may be reasonable or necessary to carry out the purposes of this chapter.  2. The Commissioner may, by regulation, waive, modify or alter any requirement of this chapter.  (Added to NRS by 1957, 763; A 1961, 764; 1977, 1261; 1983, 1773; 1987, 1957; 2017, 1915, 1923)
NV Rev Stat § 673.0435 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.0435 - Commissioner may secure injunctions and restraining orders.

The Commissioner may cause appropriate legal action to be taken in the district court of any county to secure an injunction or order restraining a violation of any provision of this chapter.  (Added to NRS by 1969, 962; A 1983, 1773; 1987, 1957)
NV Rev Stat § 673.044 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.044 - Notices.

All notices must be in writing. All notices issued or required to be issued by the Commissioner must be sent by registered or certified mail and become effective upon their deposit in the mails.  (Added to NRS by 1963, 472; A 1983, 1774; 1987, 1957)
NV Rev Stat § 673.045 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.045 - Amendment or alteration of license by Commissioner; appeal.

The Commissioner may, for reasonable cause and upon 15 days’ notice, amend or alter any license issued by him or her, but the savings bank may appeal the order of the Commissioner in the manner provided in this chapter.  (Added to NRS by 1957, 762; A 1961, 764; 1983, 1774; 1987, 1957; 2017, 1924)
NV Rev Stat § 673.046 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.046 - Application for license: Additional requirements; fingerprints; grounds for refusal to issue license.

  1. In addition to any other requirements set forth in this chapter, each applicant must submit:  (a) Proof satisfactory to the Commissioner that the applicant:  (1) Has a good reputation for honesty, trustworthiness and integrity and is competent to transact the business for which the applicant seeks to be licensed in a manner which protects the interests of the general public.  (2) Has not made a false statement of material fact on the application for the license.  (3) Has not committed any of the acts specified in subsection 2.  (4) Has not had a license issued pursuant to this chapter suspended or revoked within the 10 years immediately preceding the date of the application.  (5) Has not been convicted of, or entered a plea of nolo contendere to, a felony or any crime involving fraud, misrepresentation or moral turpitude.  (b) A complete set of his or her fingerprints and written permission authorizing the Division of Financial Institutions of the Department of Business and Industry to forward the fingerprints to the Central Repository for Nevada Records of Criminal History for submission to the Federal Bureau of Investigation for its report.  2. In addition to any other lawful reasons, the Commissioner may refuse to issue a license to an applicant if the applicant:  (a) Has committed or participated in any act which, if committed or done by a holder of a license, would be grounds for the suspension or revocation of the license.  (b) Has previously been refused a license pursuant to this chapter or has had such a license suspended or revoked.  (c) Has participated in any act which was a basis for the refusal or revocation of a license pursuant to this chapter.  (d) Has falsified any of the information submitted to the Commissioner in support of the application for the license.  (Added to NRS by 2005, 1873)
NV Rev Stat § 673.048 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.048 - Suspension or revocation of license: Additional grounds.

In addition to any other lawful reasons, the Commissioner may suspend or revoke a license if the licensee has engaged in any act that would be grounds for denying a license pursuant this chapter.  (Added to NRS by 2005, 1873)
NV Rev Stat § 673.049 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.049 - Authority of Commissioner to issue subpoenas and require attendance of parties.

The Commissioner may issue subpoenas and require the attendance of parties for examination.  (Added to NRS by 1957, 765; A 1961, 776; 1983, 1800; 1987, 1983) — (Substituted in revision for NRS 673.555)
NV Rev Stat § 673.055 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.055 - Savings associations automatically converted into savings banks; issuance by Commissioner of savings bank charters to converted entities; rights, powers, privileges, immunities and exceptions provided to converted entities.

  1. Every savings association chartered under the laws of this State in existence on June 3, 2017, is automatically converted, by operation of law, into a savings bank licensed under the laws of this State. The Commissioner shall issue a savings bank charter to each such entity immediately after June 3, 2017.  2. Every savings bank that is converted from a savings association pursuant to subsection 1 shall have all of the rights, powers, privileges, immunities and exceptions provided by this chapter to a savings bank.  (Added to NRS by 2017, 1921)
NV Rev Stat § 673.060 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.060 - Deposit of money in State Treasury; payment of expenses; exceptions.

Except as otherwise provided in NRS 673.080, 673.112 and 673.2176:  1. All fees, charges for expenses, assessments and other money collected under the provisions of this chapter from foreign and domestic savings banks, companies and corporations governed by this chapter must be deposited in the State Treasury pursuant to the provisions of NRS 658.091.  2. The compensation provided for by this chapter and all expenses incurred under this chapter must be paid from the money deposited in the State Treasury pursuant to the provisions of NRS 658.091.  [30:51:1931; 1931 NCL § 970.30] — (NRS A 1959, 121, 541; 1961, 765; 1963, 684; 1965, 1135; 1983, 1321; 2003, 3232; 2017, 1924)
NV Rev Stat § 673.065 (2021)
2021 Nevada Revised Statutes|Chapter 673 - Savings Banks|NRS 673.065 - Applicability of provisions concerning Regulatory Experimentation Program for Product Innovation. [Effective January 1, 2020.]

Except as otherwise required by the Director of the Department of Business and Industry pursuant to NRS 657A.430 or 657A.620, the provisions of this chapter do not apply to a participant in the Regulatory Experimentation Program for Product Innovation established and administered pursuant to chapter 657A of NRS.  (Added to NRS by 2019, 3997, effective January 1, 2020)