reglab/housing_qa huggingface dataset:
NH Rev Stat § 358-J:3 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 358-J - Buying Clubs|Section 358-J:3 - Membership Contract Requirements; Disclosure of Cancellation Rights.

    358-J:3 Membership Contract Requirements;  Disclosure of Cancellation Rights. –||I. A fully completed copy of every contract shall be delivered to the member at the time the contract is signed. Every contract must constitute the entire agreement between the seller and the member, shall be in writing, shall be signed by the member, and shall designate the date on which the member signed the contract.||II. Each contract shall state in at least 10 point boldface type the following:||"NOTICE TO PROSPECTIVE MEMBER: DO NOT SIGN THIS CONTRACT UNTIL YOU HAVE READ ALL OF IT. ALSO, DO NOT SIGN THIS CONTRACT IF IT CONTAINS ANY BLANK SPACES."||III. Each contract shall also contain the following notice in at least 10 point boldface type:|||"MEMBERS' RIGHT TO CANCEL"||||"IF YOU WISH TO CANCEL THIS CONTRACT, YOU MAY CANCEL BY DELIVERING OR MAILING A WRITTEN NOTICE TO THE COMPANY. CERTIFIED MAIL WOULD PROVIDE GREATER PROTECTION THAN FIRST-CLASS MAIL, BUT IS NOT NECESSARY. IF YOU DELIVER THE NOTICE PERSONALLY, YOU ARE ENTITLED TO A RECEIPT. YOUR NOTICE MUST MAKE KNOWN THAT YOU DO NOT WISH TO BE BOUND BY THE CONTRACT. IF THE NOTICE IS DELIVERED OR MAILED BEFORE MIDNIGHT OF THE THIRD BUSINESS DAY AFTER YOU SIGN THIS CONTRACT, YOU ARE ENTITLED TO A REFUND OF THE ENTIRE CONSIDERATION PAID FOR THE CONTRACT. OTHER CANCELLATION ENTITLES YOU TO A PRO RATA REFUND FOR THOSE DAYS REMAINING ON THE CONTRACT. THE NOTICE MUST BE DELIVERED OR MAILED TO (insert name and address of company). IF YOU CANCEL, THE CLUB IS REQUIRED TO RETURN, WITHIN 10 DAYS OF THE DATE ON WHICH YOU GIVE NOTICE OF CANCELLATION, AND PAYMENTS YOU HAVE MADE."||IV. Until the buying club has complied with this section, the member may cancel the contract by notifying the buying club in any manner and by any means of his intention to cancel and is then entitled to a refund of the entire consideration paid for the contract.|||Source. 1983, 438:1, eff. June 24, 1983.|
NH Rev Stat § 358-J:4 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 358-J - Buying Clubs|Section 358-J:4 - Disclosure of Refund; Savings Based on Comparisons.

    358-J:4 Disclosure of Refund;  Savings Based on Comparisons. –||I. Every contract shall provide that if any goods ordered by the member from the buying club are not delivered to the member or available for pickup by the member at a location within his county of residence within 6 weeks from the date the member placed an order for such goods, then any moneys paid by the member for such goods in advance of delivery shall, upon the member's request, be fully refunded, unless a predetermined delivery date has been furnished to the member in writing at the time he or she ordered such goods and the goods are delivered to the member or are available for pickup by that date.||II. Every contract shall provide that all savings claims made by the buying club are based on price comparisons with retailers doing business in the trade area in which the claims are made and with prices at which the merchandise is actually sold.||III. Any contract which does not comply with paragraphs I and II shall be void and unenforceable.|||Source. 1983, 438:1, eff. June 24, 1983.|
NH Rev Stat § 358-J:5 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 358-J - Buying Clubs|Section 358-J:5 - Remedies.

    358-J:5 Remedies. –||I. Any violation of the provisions of this chapter is an unfair or deceptive act or practice within the meaning of RSA 358-A:2. Any right, remedy or power set forth in RSA 358-A, including those set forth in RSA 358-A:4, II, may be used to enforce the provisions of this chapter.||II. The rights, obligations, and remedies provided in this chapter shall be in addition to any other rights, obligations, or remedies provided for by law or in equity.|||Source. 1983, 438:1, eff. June 24, 1983.|
NH Rev Stat § 358-J:6 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 358-J - Buying Clubs|Section 358-J:6 - Waiver of Provisions.

    358-J:6 Waiver of Provisions. –||Any waiver by the member of the provisions of this chapter shall be deemed contrary to public policy and shall be void and unenforceable.|||Source. 1983, 438:1, eff. June 24, 1983.|
NH Rev Stat § 358-J:7 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 358-J - Buying Clubs|Section 358-J:7 - Applicability.

    358-J:7 Applicability. –||The provisions of this chapter shall apply to all buying clubs doing business in this state and to all buying club contracts entered into on or after June 24, 1983.|||Source. 1983, 438:1, eff. June 24, 1983.|
NH Rev Stat § 358-J:8 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 358-J - Buying Clubs|Section 358-J:8 - Bond Requirement.

    358-J:8 Bond Requirement. –||Every buying club that has a membership fee in excess of $35 shall post a surety bond in the amount of $20,000 with the attorney general. The type of surety bond shall be designated by the attorney general. No bond shall be accepted for filing unless it is with a surety company authorized to do business in this state. The surety may cancel the bond at any time upon giving 30 days' written notice to the attorney general. Any person who is damaged by any violation of this chapter, or by the club's breach of the contract for sale or any obligation arising therefrom may bring an action against the bond to recover damages suffered and any other amounts allowable by law. The attorney general, in any action brought under this chapter or any other applicable provision of law, may likewise proceed against the bond. In no event shall the aggregate liability of the surety for all claims exceed the bond amount.|||Source. 1983, 438:1. 1985, 300:7, I(b).|
NH Rev Stat § 358-K:2 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 358-K - Regulation of Consumer Credit Transactions|Section 358-K:2 - Rebate of Interest Upon Prepayment of Precomputed Consumer Credit Transaction Entered Into Prior to July 1, 1985.

    358-K:2 Rebate of Interest Upon Prepayment of Precomputed Consumer Credit Transaction Entered Into Prior to July 1, 1985. –||I. Notwithstanding any other law to the contrary, upon prepayment in full of a precomputed consumer credit transaction, pursuant to acceleration or otherwise, the creditor shall rebate to the consumer an amount not less than the unearned portion of the interest computed according to this section. If the rebate otherwise required is less than $1, no rebate need be made.||II. With respect to a precomputed consumer credit transaction payable according to its original terms in more than 48 monthly installments, the rebate of the unearned portion of the interest shall be computed by applying, according to the actuarial method, the contract rate of interest to the actual unpaid balances of the amount financed for the actual time that the unpaid balances were outstanding as of the date of payment, giving effect to each payment as of the date of the payment. The bank commissioner may adopt rules under RSA 541-A, relative to simplifying the calculation of the unearned portion of the interest, including allowance of the use of tables or other methods and based on the assumption that all payments were made as originally scheduled.||III. With respect to a precomputed consumer credit transaction payable according to its original terms in 48 monthly installments or less, the rebate of the unearned portion of the interest may be computed according to the sum of the balances method, also known as the "Rule of 78," or by any other method to which the consumer is entitled by contract. If a rebate of interest may be computed according to the sum of the balances method, the creditor shall, prior to the closing of the transaction, furnish the consumer with a written explanation of such method of rebating in a form approved for that use by the bank commissioner.||IV. This section does not preclude the collection or retention by the creditor of delinquency charges.||V. This section only applies with respect to precomputed consumer credit transactions entered into on or after July 1, 1984 and prior to July 1, 1985.|||Source. 1983, 463:1, eff. Aug. 26, 1983. 2019, 36:1, eff. May 15, 2019.|
NH Rev Stat § 358-K:3 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 358-K - Regulation of Consumer Credit Transactions|Section 358-K:3 - Advance Collection of Interest in Consumer Credit Transactions Prohibited After June 30, 1985.

    358-K:3 Advance Collection of Interest in Consumer Credit Transactions Prohibited After June 30, 1985. –||Notwithstanding any other law to the contrary, with respect to closed-end consumer credit transactions entered into after June 30, 1985, interest shall be collected only as earned, and no interest on such transactions shall be paid, deducted or added to principal in advance. This section shall not preclude the advance collection or prepayment of other charges to which the transaction is subject. This section shall not apply to the advance collection of interest at the inception of a closed-end consumer credit transaction for origination fees or for a fractional part of a month in order to achieve a common or convenient monthly payment date as provided by RSA 358-K:4-a.|||Source. 1983, 463:1. 1986, 92:2, eff. July 18, 1986.|
NH Rev Stat § 358-K:4 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 358-K - Regulation of Consumer Credit Transactions|Section 358-K:4 - Actuarial Method Required for Computation of Interest on Closed-End Consumer Credit Transactions Entered Into After June 30, 1985.

    358-K:4 Actuarial Method Required for Computation of Interest on Closed-End Consumer Credit Transactions Entered Into After June 30, 1985. –||Interest on closed-end consumer credit transactions entered into after June 30, 1985 shall be contracted for at an annual rate or rates and computed only on the scheduled outstanding balances of the amount financed according to the actuarial method. Interest on such transactions shall be collected only as earned on actual unpaid balances for the actual time outstanding, and the consumer shall not be entitled to any rebate of interest on prepayment in full of a closed-end consumer credit transaction.|||Source. 1983, 463:1, eff. Aug. 26, 1983.|
NH Rev Stat § 358-K:4-a (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 358-K - Regulation of Consumer Credit Transactions|Section 358-K:4-a - Exception to Achieve a Common or Convenient Monthly Payment Date.

    358-K:4-a Exception to Achieve a Common or Convenient Monthly Payment Date. –||Any provision of this chapter to the contrary notwithstanding, interest on any closed-end consumer credit transaction may be collected in advance for origination fees at the inception of such transaction or for a fractional part of a month (less than 30 days) from the inception of such consumer credit transaction to a monthly payment date that the creditor commonly uses in such transactions, or that the creditor considers to be more convenient administratively as a monthly payment date than the transaction inception date, such as the first day of the month.|||Source. 1986, 92:3, eff. July 1, 1986.|
NH Rev Stat § 358-K:5 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 358-K - Regulation of Consumer Credit Transactions|Section 358-K:5 - Penalty.

    358-K:5 Penalty. –||Any person who willfully violates any provision of this chapter shall be guilty of a misdemeanor.|||Source. 1983, 463:1, eff. Aug. 26, 1983.|
NH Rev Stat § 358-K:6 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 358-K - Regulation of Consumer Credit Transactions|Section 358-K:6 - Application of Chapter to Types of Transactions.

    358-K:6 Application of Chapter to Types of Transactions. –||The provisions of this chapter shall apply to all consumer credit transactions, both secured and unsecured, including those transactions secured by a real property mortgage. The provisions of this chapter shall not apply to student loans, the proceeds of which are exclusively for the payment of tuition and other education-related expenses.|||Source. 1986, 92:4. 2001, 263:5, eff. July 13, 2001.|
NH Rev Stat § 358-M:1 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 358-M - Merchant's Check Acceptance Policies|Section 358-M:1 - Provision of Credit Card Number or Expiration Date Not Required.

    358-M:1 Provision of Credit Card Number or Expiration Date Not Required. –||I. A person shall not require as a condition of acceptance of a check or share draft, or as a means of identification, that the person presenting the check provide a credit card number or expiration date, or both.||II. This section shall not prohibit a person from requesting a purchaser to display a credit card as indicia of credit worthiness and financial responsibility or as additional identification, but the only information concerning a credit card which may be recorded is the type of credit card so displayed and the issuer of the credit card. This section does not require acceptance of a check or share a draft whether or not a credit card is presented.||III. This section does not prohibit a person from requesting or receiving a credit card number of expiration date and recording the number or date, or both, in lieu of a deposit to secure payment in event of default, loss, damage, or other occurrence.||IV. No liability shall be imposed under this section on an employee acting in accordance with the directions of his employer.|||Source. 1991, 65:1, eff. Jan. 1, 1992.|
NH Rev Stat § 358-N:1 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 358-N - Prohibited Credit Card Practices in Travel Services|Section 358-N:1 - Definitions.

    358-N:1 Definitions. –||In this chapter:||I. "Credit card" means any instrument, whether known as a credit card, credit plate, charge plate, or by any other name, which purports to evidence an undertaking to pay for service rendered or furnished to or upon the order of a designated person or bearer.||II. "Provider of travel services" means a person, firm or corporation engaged in the business of furnishing travel, transportation or vacation services. This term shall not include a travel agent as defined in paragraph III.||III. "Travel agent" means a person, firm, corporation, partnership or association, other than a common carrier, or employee of a common carrier, that:||(a) Is an officially appointed agent of a common carrier or is a member of a cruise line association who operates exclusively as an agent for cruise lines in the sale of cruise travel products or services; and||(b) As a legal agent for a provider of travel services sells, or offers for sale, travel, transportation or vacation arrangements.|||Source. 1992, 233:1, eff. Jan. 1, 1993.|
NH Rev Stat § 358-N:2 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 358-N - Prohibited Credit Card Practices in Travel Services|Section 358-N:2 - Prohibited Practices.

    358-N:2 Prohibited Practices. –||A provider of travel services for which a travel agent is an agent shall not impose a surcharge on or reduce the commission paid to such travel agent if the consumer uses a credit card to obtain credit in the transaction.|||Source. 1992, 233:1, eff. Jan. 1, 1993.|
NH Rev Stat § 358-N:3 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 358-N - Prohibited Credit Card Practices in Travel Services|Section 358-N:3 - Unfair Trade Practice.

    358-N:3 Unfair Trade Practice. –||Any violation of RSA 358-N:2 shall constitute an unfair or deceptive trade practice within the meaning of RSA 358-A, and shall subject the defendant in such case to a cause of action under RSA 358-A:10.|||Source. 1992, 233:1, eff. Jan. 1, 1993.|
NH Rev Stat § 358-N:4 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 358-N - Prohibited Credit Card Practices in Travel Services|Section 358-N:4 - Exemption.

    358-N:4 Exemption. –||This chapter shall not apply to scheduled airlines.|||Source. 1992, 233:1, eff. Jan. 1, 1993.|
NH Rev Stat § 358-O:1 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 358-O - Prizes and Gifts Act|Section 358-O:1 - Short Title.

    358-O:1 Short Title. –||This chapter may be cited as the "Prizes and Gifts Act."|||Source. 1994, 229:2, eff. Jan. 1, 1995.|
NH Rev Stat § 358-O:2 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 358-O - Prizes and Gifts Act|Section 358-O:2 - Definitions.

    358-O:2 Definitions. –||In this chapter:||I. "Anything of value," "item of value" or "item" means any item or service with monetary value.||II. "Handling charge" means any charge, fee or sum of money which is paid by a consumer to receive a prize, gift or any item of value including, but not limited to, promotional fees, redemption fees, registration fees or delivery costs.||III. "Person" means any natural person, corporation, trust, partnership, association and any other legal entity.|||Source. 1994, 229:2, eff. Jan. 1, 1995.|
NH Rev Stat § 358-O:3 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 358-O - Prizes and Gifts Act|Section 358-O:3 - Representation of Having Won a Prize, Gift or Any Item of Value.

    358-O:3 Representation of Having Won a Prize, Gift or Any Item of Value. –||I. No person shall, in connection with the sale or lease or solicitation for the sale or lease of goods, property or service, represent that another person has won anything of value or is the winner of a contest, unless all of the following conditions are met:||(a) The recipient of the prize, gift or item of value shall be given the prize, gift or item of value without obligation; and||(b) The prize, gift or item of value shall be delivered to the recipient at no expense to the recipient, within 10 days of the representation.||II. The use of language that may lead a reasonable person to believe he has won a contest or anything of value, including, but not limited to, "Congratulations," or "You have won," or "You are the winner of," shall be considered a representation of the type governed by this section.|||Source. 1994, 229:2, eff. Jan. 1, 1995.|
NH Rev Stat § 358-O:5 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 358-O - Prizes and Gifts Act|Section 358-O:5 - Representation of Being Specially Selected.

    358-O:5 Representation of Being Specially Selected. –||I. No person shall represent that another person has been specially selected in connection with the sale or lease or solicitation for sale or lease of goods, property or service, unless the selection process is designed to reach a particular type or types of persons.||II. The use of any language that may lead a reasonable person to believe he has been specially selected, including but not limited to, "carefully selected," or "You have been selected to receive," or "You have been chosen," shall be considered a representation of the type governed by this section.|||Source. 1994, 229:2, eff. Jan. 1, 1995.|
NH Rev Stat § 358-O:6 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 358-O - Prizes and Gifts Act|Section 358-O:6 - Simulation of Checks, Invoices, Official Documents, and Agencies.

    358-O:6 Simulation of Checks, Invoices, Official Documents, and Agencies. –||In connection with a consumer transaction, no person shall issue any writing which simulates or resembles:||I. A check unless the writing clearly and conspicuously discloses its true value and purpose, and the writing would not mislead a reasonable person.||II. An invoice unless the intended recipient of the invoice has actually contracted for goods, property, or services for which the issuer seeks proper payment.||III. Any document issued by an officer of any court of any jurisdiction or which implies the offerer is sending a court or legal document.||IV. Any words, phrases, or visual representation which simulate or cause confusion with the seal or name of a governmental agency or entity, whether it be real or fictitious, or which imply that the offeror is a governmental entity.|||Source. 1994, 229:2, eff. Jan. 1, 1995.|
NH Rev Stat § 358-O:7 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 358-O - Prizes and Gifts Act|Section 358-O:7 - Conditions for Handling Charges and Shipping Charges.

    358-O:7 Conditions for Handling Charges and Shipping Charges. –||I. It shall be unlawful to notify a person that such person will receive a gift, prize, or item of value and that as a condition of receiving the gift, prize or item of value such person will be required to pay any money, or purchase or lease (including rent) any goods or services, if any one or more of the following conditions exist:||(a) The shipping charges exceed:||(1) the cost of postage or the charge of a delivery service in the business of delivering goods of like size, weight, and kind for shipping the gift, prize or item of value from the geographic area in which the gift, prize or item of value is being distributed; or||(2) the exact amount for shipping paid to an independent fulfillment house or an independent supplier, either of which is in the business of shipping goods for shippers other than the offeror of the gift, prize or item of value; or||(b) The handling charge exceeds the lesser of $5 or the actual cost of handling.||II. This section shall apply to all offers of prizes, gifts or items of value covered by this chapter.|||Source. 1994, 229:2, eff. Jan. 1, 1995.|
NH Rev Stat § 358-O:8 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 358-O - Prizes and Gifts Act|Section 358-O:8 - Civil Action.

    358-O:8 Civil Action. –||Any consumer who suffers loss by reason of a violation of any provision of this chapter may bring a civil action to enforce such provisions. Any consumer who is successful in such an action shall recover reasonable attorney's fees and court costs incurred by bringing such action.|||Source. 1994, 229:2, eff. Jan. 1, 1995.|
NH Rev Stat § 358-O:9 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 358-O - Prizes and Gifts Act|Section 358-O:9 - Penalties.

    358-O:9 Penalties. –||Any violation of this chapter shall constitute a prohibited practice under the provisions of RSA 358-A and shall be subject to any of the enforcement provisions of RSA 358-A.|||Source. 1994, 229:2, eff. Jan. 1, 1995.|
NH Rev Stat § 358-O:10 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 358-O - Prizes and Gifts Act|Section 358-O:10 - Exemptions.

    358-O:10 Exemptions. –||The provisions of RSA 358-O:4 through 358-O:7 shall not apply to the sale or purchase, or solicitation or representation in connection therewith, of goods from a catalog or of books, recordings, videocassettes, periodicals and similar goods through a membership group or club which is regulated by the Federal Trade Commission trade regulation rule concerning use of negative option plans by sellers in commerce or through a contractual plan or arrangement such as a continuity plan, subscription arrangement, or a single sale or purchase series arrangement under which the seller ships goods to a consumer who has consented in advance to receive such goods and the recipient of such goods is given the opportunity, after examination of the goods, to receive a full refund of charges for the goods, or unused portion thereof, upon return of the goods, or unused portion thereof, undamaged.|||Source. 1994, 229:2, eff. Jan. 1, 1995.|
NH Rev Stat § 358-P:1 (2021)
2021 New Hampshire Revised Statutes|Title XXXI - Trade and Commerce|Title 358-P - Rent-to-Own Agreement Act|Section 358-P:1 - Short Title.

    358-P:1 Short Title. –||This chapter is to be known as the "New Hampshire Rent-to-Own Agreement Act."|||Source. 1994, 406:1, eff. Jan. 1, 1995.|