reglab/housing_qa huggingface dataset:
9-A ME Rev Stat § 3-311 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 3: REGULATION OF AGREEMENTS AND PRACTICES|Part 3: LIMITATIONS ON AGREEMENTS AND PRACTICES|9-A §3-311. Consumer's choice of attorney in residential mortgage transaction

 §3-311. Consumer's choice of attorney in residential mortgage transaction Every supervised lender which accepts an application for a residential mortgage loan for one to 4 residential units and which requires that an attorney search the title of the subject real estate shall permit the prospective mortgagor to select a qualified attorney of his own choice to search the title of the subject real estate and certify that title to the lender or land title insurance company, provided that the lender may require the prospective mortgagor's attorney to provide it with evidence of adequate liability insurance or land title insurance or such other written policy requirements as the lender may deem necessary to protect its interests, provided that if all such requirements are met by the attorney chosen by the mortgagor, no additional legal costs may be assessed by the lender against the mortgagor for review of the title search or any other relevant title documents by the lender, its title company or attorney.   [PL 1985, c. 311, §1 (RPR).]Every supervised lender subject to this section shall provide written notice to the prospective mortgagor that he has the right to select a qualified attorney of his own choice for the performance of title work. The notice shall inform the prospective mortgagor that if the attorney chosen by the mortgagor meets the lender's requirements, then no additional fees may be charged to the mortgagor for title work. If the prospective mortgagor indicates on the written notice that he does not wish to exercise his right to select an attorney, then the lender may recommend an attorney.   [PL 1985, c. 311, §1 (NEW).]Nothing in this section may be construed to require certification of title to a supervised lender if that lender does not so require, or to a land title insurance company if that company does not so require.   [PL 1985, c. 311, §1 (RPR).]SECTION HISTORY PL 1983, c. 150, §1 (NEW). PL 1985, c. 311, §1 (RPR).
9-A ME Rev Stat § 3-312 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 3: REGULATION OF AGREEMENTS AND PRACTICES|Part 3: LIMITATIONS ON AGREEMENTS AND PRACTICES|9-A §3-312. Interest to be paid on funds held in escrow

 §3-312. Interest to be paid on funds held in escrow A supervised lender, including any of its assignees, that makes loans secured by a mortgage on real estate and which holds funds of a mortgagor in an escrow account for the payment of taxes or insurance premiums, either on its own behalf or on behalf of another mortgagee, shall pay interest on those funds in accordance with Title 9‑B, section 429.   [PL 1983, c. 679, §1 (NEW).]SECTION HISTORY PL 1983, c. 679, §1 (NEW).
9-A ME Rev Stat § 3-313 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 3: REGULATION OF AGREEMENTS AND PRACTICES|Part 3: LIMITATIONS ON AGREEMENTS AND PRACTICES|9-A §3-313. Real estate appraisals; copies

 §3-313. Real estate appraisals; copies A creditor that imposes a fee on a person for the cost of an appraisal of any real estate shall furnish to the person, at no cost, one copy of the appraisal upon request, if the request is made within 90 days after the creditor has provided notice of action taken on the application for credit or the date of the closing, whichever is later, or 90 days after the application is withdrawn.   [PL 1999, c. 150, §4 (AMD).]SECTION HISTORY PL 1987, c. 265, §1 (NEW). PL 1999, c. 150, §4 (AMD).
9-A ME Rev Stat § 3-314 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 3: REGULATION OF AGREEMENTS AND PRACTICES|Part 3: LIMITATIONS ON AGREEMENTS AND PRACTICES|9-A §3-314. Privacy of consumer financial information

 §3-314. Privacy of consumer financial information A creditor shall comply with the provisions of the federal Gramm-Leach-Bliley Act, 15 United States Code, Section 6801 et seq. (1999) and the applicable implementing federal Privacy of Consumer Information regulations, as adopted by the Office of the Comptroller of the Currency, 12 Code of Federal Regulations, Part 40 (2001); the Board of Governors of the Federal Reserve System, 12 Code of Federal Regulations, Part 216 (2001); the Federal Deposit Insurance Corporation, 12 Code of Federal Regulations, Part 332 (2001); the Office of Thrift Supervision, 12 Code of Federal Regulations, Part 573 (2001); the National Credit Union Administration, 12 Code of Federal Regulations, Part 716 (2001); the Federal Trade Commission, 16 Code of Federal Regulations, Part 313 (2001); or the Securities and Exchange Commission, 17 Code of Federal Regulations, Part 248 (2001), if the creditor is a financial institution as defined in those regulations. This section is not intended to permit the release of health care information except as permitted by Title 22, section 1711-C or Title 24-A, chapter 24. This section does not apply to a supervised financial organization.   [PL 2001, c. 262, Pt. A, §1 (NEW).]SECTION HISTORY PL 2001, c. 262, §A1 (NEW).
9-A ME Rev Stat § 3-315 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 3: REGULATION OF AGREEMENTS AND PRACTICES|Part 3: LIMITATIONS ON AGREEMENTS AND PRACTICES|9-A §3-315. Choice of accounting, tax or attest services provider

 §3-315. Choice of accounting, tax or attest services provider A supervised lender may not, in connection with the extension of credit, interfere with a purchaser's or borrower's free choice of an accounting, tax or attest services provider who is accredited as a certified public accountant, public accountant or enrolled agent, except that the supervised lender may require the provider chosen by the purchaser or borrower to provide adequate evidence of liability insurance or such other written policy requirements as the supervised lender may determine necessary to protect its interest.   [PL 2007, c. 466, Pt. B, §3 (RPR); PL 2007, c. 466, Pt. B, §5 (AFF).]SECTION HISTORY PL 2007, c. 185, §1 (NEW). PL 2007, c. 273, Pt. A, §1 (NEW). PL 2007, c. 273, Pt. A, §41 (AFF). PL 2007, c. 466, Pt. B, §3 (RPR). PL 2007, c. 466, Pt. B, §5 (AFF).
9-A ME Rev Stat § 3-316 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 3: REGULATION OF AGREEMENTS AND PRACTICES|Part 3: LIMITATIONS ON AGREEMENTS AND PRACTICES|9-A §3-316. Real estate settlement procedures

 §3-316. Real estate settlement procedures A creditor and its mortgage loan originators shall comply with the provisions of the federal Real Estate Settlement Procedures Act of 1974, 12 United States Code, Section 2601 et seq. and its implementing regulation, Regulation X, 12 Code of Federal Regulations, Section 1024.1 et seq.   [PL 2013, c. 464, §2 (AMD).]SECTION HISTORY PL 2007, c. 466, Pt. B, §4 (NEW). PL 2007, c. 466, Pt. B, §5 (AFF). PL 2011, c. 427, Pt. B, §9 (AMD). PL 2013, c. 464, §2 (AMD).
9-A ME Rev Stat § 3-401 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 3: REGULATION OF AGREEMENTS AND PRACTICES|Part 4: LIMITATIONS ON CONSUMER'S LIABILITY|9-A §3-401. Restriction on liability in consumer lease

 §3-401. Restriction on liability in consumer lease The obligation of a lessee upon expiration of a consumer lease may not exceed twice the average payment allocable to a monthly period under the lease. This limitation does not apply to charges for damages to the leased property or for other default.   [PL 1981, c. 243, §20 (AMD).]SECTION HISTORY PL 1973, c. 762, §1 (NEW). PL 1981, c. 243, §§20,26 (AMD). PL 1981, c. 551, §3 (AMD).
9-A ME Rev Stat § 3-402 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 3: REGULATION OF AGREEMENTS AND PRACTICES|Part 4: LIMITATIONS ON CONSUMER'S LIABILITY|9-A §3-402. Limitation on default charges

 §3-402. Limitation on default charges 1.  The agreement with respect to a consumer credit transaction may not provide for any charges as a result of default by the consumer, except that the agreement may provide for the following:   A. Charges authorized by other provisions of this Act;   [PL 1991, c. 237 (NEW).]B. Notwithstanding section 2‑507, reasonable charges incurred in realizing on a security interest in personal property securing a consumer loan, consumer lease or a consumer credit sale, other than attorney's fees; and   [PL 1999, c. 150, §5 (AMD).]C. Notwithstanding section 2‑507, reasonable attorney's fees, legal expenses and other reasonable costs incurred in realizing on real property securing a consumer loan or a consumer credit sale.   [PL 1991, c. 237 (NEW).][PL 1999, c. 150, §5 (AMD).] 2.  A provision in violation of this section is unenforceable.   [PL 1991, c. 237 (NEW).] 3.  Notwithstanding subsections 1 and 2, a creditor that complies with Title 14, sections 6071 and 6073 is entitled to the remedies provided in those sections when an instrument that the creditor has taken in connection with a consumer loan, consumer lease or consumer credit sale is dishonored.   [PL 1999, c. 150, §6 (NEW).] SECTION HISTORY PL 1973, c. 762, §1 (NEW). PL 1981, c. 293, §4 (AMD). PL 1991, c. 237 (RPR). PL 1999, c. 150, §§5,6 (AMD).
9-A ME Rev Stat § 3-403 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 3: REGULATION OF AGREEMENTS AND PRACTICES|Part 4: LIMITATIONS ON CONSUMER'S LIABILITY|9-A §3-403. Assignee subject to defenses

 §3-403. Assignee subject to defenses 1.  With respect to a consumer credit sale or consumer lease, an assignee of the rights of the seller or lessor is subject to all claims and defenses of the buyer or lessee against the seller or lessor arising out of the sale or lease notwithstanding that:   A. There is an agreement to the contrary; or   [PL 1973, c. 762, §11 (NEW).]B. The assignee is a holder in due course of a negotiable instrument issued in violation of the provisions on prohibition of certain negotiable instruments, section 3‑307.   [PL 1973, c. 762, §11 (NEW).][PL 1981, c. 243, §§ 21, 26 (AMD).] 2.  The assignee's liability under subsection 1 may not exceed the amount owing to the assignee with respect to the sale or lease at the time the assignee has notice of a claim or defense of the buyer or lessee. If debts arising from 2 or more consumer credit sales, other than pursuant to open-end credit, or consumer leases are consolidated, payments received after the consolidation are deemed, for the purpose of determining the amount owing the assignee with respect to a sale or lease, to have been first applied to the payment of debts arising from the sales or leases first made; if the debts consolidated arose from sales or leases made on the same day, payments are deemed to have been first applied to the smallest debt. Payments received upon a revolving charge account are deemed, for the purpose of determining the amount owing, the assignee with respect to a sale, to have been first applied to the payment of credit service charges in the order of their entry to the account and then to the payment of debts in the order in which the entries to the account showing the debts were made.   [PL 1973, c. 762, §1 (NEW).] 3.  No agreement may provide greater rights for an assignee than this section permits and any provision granting such greater rights is unenforceable.   [PL 1973, c. 762, §1 (NEW).] 4.  For the purposes of this section, assignee includes the issuer of a credit card, other than a lender credit card, when such card is used in a consumer sale or lease made with a person other than the issuer.   [PL 1973, c. 762, §1 (NEW).] SECTION HISTORY PL 1973, c. 762, §1 (NEW). PL 1981, c. 243, §§21,26 (AMD). PL 1981, c. 551, §3 (AMD).
9-A ME Rev Stat § 3-404 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 3: REGULATION OF AGREEMENTS AND PRACTICES|Part 4: LIMITATIONS ON CONSUMER'S LIABILITY|9-A §3-404. Interlocking loans

 §3-404. Interlocking loans 1.  A lender who makes a consumer loan for the purpose of enabling a consumer to buy from a seller goods or services, is subject to all claims and defenses of the consumer against the seller arising from the sale of the goods and services if:   A. The cash price of the item with respect to which a dispute exists is in excess of $50 and is made in this State by a seller who allows the consumer to purchase the goods or services pursuant to a lender credit card or similar arrangement involving third parties and the residence of the consumer is in this State and the consumer has made a good faith effort to communicate to the seller the existence of the dispute;   [PL 1975, c. 284, §1 (AMD).]B. The lender was a person having a legal relationship with the seller and the relationship was not remote or was a factor in making the sale or loan;   [PL 1973, c. 762, §1 (NEW).]C. The seller guaranteed the loan or otherwise assumed the risk of loss by the lender upon the loan; or   [PL 1973, c. 762, §1 (NEW).]D. The lender directly supplied the seller with a form used by the debtor to evidence or secure the loan.   [PL 1973, c. 762, §1 (NEW).][PL 1981, c. 243, §§22, 26 (AMD).] 2.  The lender's liability under this section may not exceed the amount owing to the lender with respect to the cash price of the disputed item at the time the lender has notice of a claim or defense of the buyer against the seller. If 2 or more consumer loans, other than pursuant to a revolving loan account, are consolidated, payments received after the consolidation are deemed, for the purpose of determining the amount owing the lender with respect to the sale, to have been first applied to the payment of the loans first made; if the loans consolidated arose from sales made on the same day, payments are deemed to have been first applied to the smallest loan. Payments received upon open-end credit are deemed, for the purpose of determining the amount owing the lender with respect to the sale, to have been first applied to the payment of finance charges in the order of their entry to the account and then to the payment of loans in the order in which the entries to the account showing the loans were made.   [PL 1975, c. 284, §2 (AMD).] SECTION HISTORY PL 1973, c. 762, §1 (NEW). PL 1975, c. 284, §§1,2 (AMD). PL 1981, c. 243, §§22,26 (AMD). PL 1981, c. 551, §3 (AMD).
9-A ME Rev Stat § 3-404-A (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 3: REGULATION OF AGREEMENTS AND PRACTICES|Part 4: LIMITATIONS ON CONSUMER'S LIABILITY|9-A §3-404-A. Interlocking leases

 §3-404-A. Interlocking leases 1.  A lessor who enters into a consumer lease for the purpose of enabling a consumer to obtain the use and possession of goods from a seller who is a merchant with respect to the goods is subject to all claims and defenses of the consumer against the seller with respect to the leased goods if:   A. The lessor was a person having a legal relationship with the seller and the relationship was not remote or was a factor in entering into the lease;   [PL 1991, c. 805, §1 (NEW).]B. The seller guaranteed the lease or otherwise assumed the risk of loss by the lessor upon the lease; or   [PL 1991, c. 805, §1 (NEW).]C. The lessor directly supplied the seller with a form used by the lessee to evidence or secure the lease.   [PL 1991, c. 805, §1 (NEW).][PL 1991, c. 805, §1 (NEW).] 2.  The lessor's liability under this section may not exceed the amount that would be due to the lessor if the lease were terminated on the date the lessor receives notice of a claim or defense of the lessee against the seller.   [PL 1991, c. 805, §1 (NEW).] SECTION HISTORY PL 1991, c. 805, §1 (NEW).
9-A ME Rev Stat § 3-501 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 3: REGULATION OF AGREEMENTS AND PRACTICES|Part 5: HOME SOLICITATION SALES|9-A §3-501. Definition: "Home solicitation sale"

 §3-501. Definition: "Home solicitation sale" "Home solicitation sale" means a consumer credit sale of goods, other than farm equipment, or services in which the seller or a person acting for him engages in a personal solicitation of the sale at a residence of the buyer and the buyer's agreement or offer to purchase is there given to the seller or a person acting for him. It includes a sale in which the seller allows the buyer to purchase goods or services pursuant to a lender credit card. It does not include a sale made pursuant to a preexisting open-end credit account, a sale made pursuant to prior negotiations between the parties at a business establishment at a fixed location where goods or services are offered or exhibited for sale, or a sale which is subject to the provisions on the consumer's right to rescind certain transactions of the Federal Truth in Lending Act. A sale which would be a home solicitation sale if credit were extended by the seller is a home solicitation sale although the goods or services are paid for in whole or in part by a consumer loan in which the lender is subject to defenses arising from the sale, section 3‑404.   [PL 1973, c. 762, §1 (NEW).]SECTION HISTORY PL 1973, c. 762, §1 (NEW).
9-A ME Rev Stat § 3-502 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 3: REGULATION OF AGREEMENTS AND PRACTICES|Part 5: HOME SOLICITATION SALES|9-A §3-502. Buyer's right to cancel

 §3-502. Buyer's right to cancel 1.  In addition to any right otherwise to revoke an offer, the buyer has the right to cancel a home solicitation sale until midnight of the third business day after the day on which the buyer signs an agreement or offer to purchase which complies with this Part.   [PL 1973, c. 762, §1 (NEW).] 1-A.  In addition to any other right to avoid a contract or sale, the first-time buyer of a home solicitation sale of a home food service plan has the right prior to delivery of the food or nonfood items to cancel the sale until midnight of the 10th day after the date on which the buyer signs an agreement or offer to purchase that complies with this Part.   [PL 1991, c. 750, §1 (NEW).] 2.  Cancellation occurs when the buyer gives written notice of cancellation to the seller at the address stated in the agreement or offer to purchase.   [PL 1973, c. 762, §1 (NEW).] 3.  Notice of cancellation, if given by mail, is given when it is deposited in a mailbox properly addressed and postage prepaid.   [PL 1973, c. 762, §1 (NEW).] 4.  Notice of cancellation given by the buyer need not take a particular form and is sufficient if it indicates by any form of written expression the intention of the buyer not to be bound by the home solicitation sale.   [PL 1973, c. 762, §1 (NEW).] 5.  If the agreement or offer to purchase requires the seller to affix goods permanently to real estate or its appurtenances, then the seller may not begin performance as long as the buyer has the right to cancel.   [PL 1981, c. 187, §1 (NEW).] 6.  If the agreement or offer to purchase requires the seller to deliver a home food service plan, the seller shall allow the first-time buyer of a home food service plan to cancel the plan, without charge, at the time of delivery of the food or nonfood items.   [PL 1991, c. 750, §1 (NEW).] SECTION HISTORY PL 1973, c. 762, §1 (NEW). PL 1981, c. 187, §1 (AMD). PL 1991, c. 750, §1 (AMD).
9-A ME Rev Stat § 3-503 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 3: REGULATION OF AGREEMENTS AND PRACTICES|Part 5: HOME SOLICITATION SALES|9-A §3-503. Form of agreement or offer; statement of buyer's rights

 §3-503. Form of agreement or offer; statement of buyer's rights 1.  In a home solicitation sale, the seller must present to the buyer and obtain his signature to a written agreement or offer to purchase which designates as the date of the transaction the date on which the buyer actually signs, contains a statement of the buyer's rights which complies with subsection 2, and the terms of the sale. A completely executed copy of the agreement shall be furnished by the seller to the buyer immediately after the buyer signs the agreement.   [PL 1973, c. 762, §1 (NEW).] 2.  The statement must:   A. Appear under the conspicuous caption: "BUYER'S RIGHT TO CANCEL;" and   [PL 1973, c. 762, §1 (NEW).]B. Read as follows: "If this agreement was solicited at your residence and you do not want the goods or services, you may cancel this agreement by mailing a notice to the seller. The notice must say that you do not want the goods or services and must be mailed before midnight of ..........(Stated date) when cancellation right lapses. The notice must be mailed to: .......... (Insert name and mailing address of seller). If you cancel by this date, the seller may not keep any of your cash down payment. If this agreement requires the seller to affix goods to real estate, then the seller may not begin the work until .......... (Stated date) when cancellation right lapses."   [PL 1981, c. 187, §2 (AMD).][PL 1981, c. 187, §2 (AMD).] 3.  A home solicitation sales contract which contains the notice of cancellation forms and content required by the Federal Trade Commission's trade regulation rule providing for a time period within which a home solicitation sale may be cancelled shall be deemed as complying with the requirements of this Part, so long as the Federal Trade Commission rule provides at least equal information to the consumer concerning his right to cancel as is required by this Part.   [PL 1973, c. 762, §1 (NEW).] 4.  Until the seller has complied with this section, the buyer may cancel the home solicitation sale by notifying the seller in any manner and by any means of his intention to cancel.   [PL 1973, c. 762, §1 (NEW).] SECTION HISTORY PL 1973, c. 762, §1 (NEW). PL 1975, c. 134, §1 (AMD). PL 1981, c. 187, §2 (AMD).
9-A ME Rev Stat § 3-503-A (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 3: REGULATION OF AGREEMENTS AND PRACTICES|Part 5: HOME SOLICITATION SALES|9-A §3-503-A. Frozen food contracts (REPEALED)

 §3-503-A. Frozen food contracts (REPEALED)SECTION HISTORY PL 1991, c. 239, §1 (NEW). PL 1991, c. 750, §2 (RP).
9-A ME Rev Stat § 3-504 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 3: REGULATION OF AGREEMENTS AND PRACTICES|Part 5: HOME SOLICITATION SALES|9-A §3-504. Restoration of down payment; no retention of cancellation fee

 §3-504. Restoration of down payment; no retention of cancellation fee 1.  Within 20 days after a home solicitation sale has been cancelled or an offer to purchase revoked, the seller must tender to the buyer any payments made by the buyer and any note or other evidence of indebtedness. A provision permitting the seller to keep all or any part of any payment, note or evidence of indebtedness is in violation of this section and unenforceable.   [PL 1973, c. 762, §1 (NEW).] 2.  If the down payment includes goods traded in, the goods must be tendered in substantially as good condition as when received by the seller. If the seller fails to tender the goods as provided by this section, the buyer may elect to recover an amount equal to the trade-in allowance stated in the agreement.   [PL 1973, c. 762, §1 (NEW).] 3.  Until the seller has complied with the obligations imposed by this section, the buyer may retain possession of goods delivered to him by the seller and has a lien on the goods in his possession or control for any recovery to which he is entitled.   [PL 1973, c. 762, §1 (NEW).] 4.  The seller is not entitled to retain any cancellation fee.   [PL 1973, c. 762, §1 (NEW).] SECTION HISTORY PL 1973, c. 762, §1 (NEW).