reglab/housing_qa huggingface dataset:
9 V.S.A. § 2480ee
2021 Vermont Statutes|Title 9 - Commerce and Trade|Chapter 63 - Consumer Protection|§ 2480ee. Effects of transfer of structured settlement payment rights

§ 2480ee. Effects of transfer of structured settlement payment rights|Following a transfer of structured settlement payment rights under this subchapter:  (1) the structured settlement obligor and the annuity issuer shall, as to all parties except the transferee, be discharged and released from any and all liability for the transferred payments; (2) the transferee shall be liable to the structured settlement obligor and the annuity issuer:  (A) if the transfer contravenes the terms of the structured settlement for any taxes incurred by such parties as a consequence of the transfer; and (B) for any other liabilities or costs, including reasonable costs and attorney's fees, arising from compliance by such parties with the order of the court or arising as a consequence of the transferee's failure to comply with this subchapter;  (3) neither the annuity issuer nor the structured settlement obligor may be required to divide any periodic payment between the payee and any transferee or assignee or between two or more transferees or assignees; and (4) any further transfer of structured settlement payment rights by the payee may be made only after compliance with all of the requirements of this subchapter. (Added 2011, No. 168 (Adj. Sess.), § 1.)
9 V.S.A. § 2480gg
2021 Vermont Statutes|Title 9 - Commerce and Trade|Chapter 63 - Consumer Protection|§ 2480gg. General provisions; construction

§ 2480gg. General provisions; construction|(a) The provisions of this subchapter may not be waived by any payee.(b) Any transfer agreement entered into on or after July 1, 2012 by a payee who resides in this State shall provide that disputes under such transfer agreement, including any claim that the payee has breached the agreement, shall be determined in and under the laws of this State. No such transfer agreement shall authorize the transferee or any other party to confess judgment or consent to entry of judgment against the payee.(c) No transfer of structured settlement payment rights shall extend to any payments that are life-contingent unless, prior to the date on which the payee signs the transfer agreement, the transferee has established and has agreed to maintain procedures reasonably satisfactory to the annuity issuer and the structured settlement obligor for:  (1) periodically confirming the payee's survival; and (2) giving the annuity issuer and the structured settlement obligor prompt written notice in the event of the payee's death.   (d) No payee who proposes to make a transfer of structured settlement payment rights shall incur any penalty, forfeit any application fee or other payment, or otherwise incur any liability to the proposed transferee or any assignee based on any failure of such transfer to satisfy the conditions of this subchapter.(e) Nothing contained in this subchapter shall be construed to authorize any transfer of structured settlement payment rights in contravention of any law or to imply that any transfer under a transfer agreement entered into prior to July 1, 2012 is valid or invalid.(f) Compliance with the requirements set forth in section 2480cc of this title and fulfillment of the conditions set forth in section 2480dd of this title shall be solely the responsibility of the transferee in any transfer of structured settlement payment rights, and neither the structured settlement obligor nor the annuity issuer shall bear any responsibility for or any liability arising from noncompliance with such requirements or failure to fulfill such conditions. (Added 2011, No. 168 (Adj. Sess.), § 1.)
9 V.S.A. § 2481a
2021 Vermont Statutes|Title 9 - Commerce and Trade|Chapter 63 - Consumer Protection|§ 2481a. Definitions

§ 2481a. Definitions|In this chapter:  (1) "Charitable sales promotion" means an advertising or sales campaign conducted in this State by a commercial coventurer in which it is represented to the public that an amount per unit of goods or services purchased or used by the public or an amount based on aggregate purchases or use by the public will benefit a charitable organization or charitable purpose. "Charitable sales promotion" does not include:  (A) a promotion in which 100 percent of the amount paid for the goods or services will benefit a charitable organization or charitable purpose; (B) a promotion in which a commercial coventurer does not generate a net profit; or (C) a promotion that does not involve the sale or lease of goods or services.  (2) "Commercial coventurer" means a person who for profit is regularly and primarily engaged in trade or commerce in this State other than in connection with the raising of funds for charitable purposes and who represents to the public that an amount per unit of goods or services purchased or used by the public or an amount based on aggregate purchases or use by the public will benefit a charitable organization or charitable purpose. (3) "Representation" means an advertisement, commercial, or other communication to the public in any medium. (Added 2011, No. 136 (Adj. Sess.), § 2, eff. May 18, 2012.)
9 V.S.A. § 2481b
2021 Vermont Statutes|Title 9 - Commerce and Trade|Chapter 63 - Consumer Protection|§ 2481b. Required disclosures

§ 2481b. Required disclosures|Every commercial coventurer shall disclose the following information in a clear and conspicuous manner in close proximity to any representation, in connection with a charitable sales promotion, that an amount per unit of goods or services purchased or used by the public, or an amount based on aggregate purchases or use by the public, will benefit a charitable organization or charitable purpose:  (1) the name of the charitable organization or purpose that is to benefit from the charitable sales promotion; (2) the amount per unit of goods or services purchased or used that will benefit the charitable organization or purpose or, if not known, the estimated amount, in either case expressed as a dollar amount or a percentage of the amount paid for the purchase or use, except that if the amount is based on aggregate purchases or use, that amount and how it will be calculated shall be disclosed; and (3) any maximum amount that will benefit the charitable organization or purpose. (Added 2011, No. 136 (Adj. Sess.), § 2, eff. May 18, 2012.)
9 V.S.A. § 2481c
2021 Vermont Statutes|Title 9 - Commerce and Trade|Chapter 63 - Consumer Protection|§ 2481c. Record-keeping

§ 2481c. Record-keeping|A commercial coventurer shall maintain records that are sufficient to demonstrate compliance with the requirements of this chapter and the disclosed terms of a charitable sales promotion. (Added 2011, No. 136 (Adj. Sess.), § 2, eff. May 18, 2012.)
9 V.S.A. § 2481d
2021 Vermont Statutes|Title 9 - Commerce and Trade|Chapter 63 - Consumer Protection|§ 2481d. Violations

§ 2481d. Violations|(a) A violation of this subchapter is deemed to be a violation of section 2453 of this title. This section shall not be construed to limit a commercial coventurer's liability under any other law.(b) The Attorney General has the same authority to make rules, conduct civil investigations, and bring civil actions with respect to the acts and practices of a commercial coventurer as is provided under subchapter 1 of this chapter. (Added 2011, No. 136 (Adj. Sess.), § 2, eff. May 18, 2012.)
9 V.S.A. § 2481w
2021 Vermont Statutes|Title 9 - Commerce and Trade|Chapter 63 - Consumer Protection|§ 2481w. Unlicensed loan transactions

§ 2481w. Unlicensed loan transactions|(a) In this subchapter:  (1) "Financial account" means a checking, savings, share, stored value, prepaid, payroll card, or other depository account. (2) "Lender" means a person engaged in the business of making loans of money, credit, goods, or things in action and charging, contracting for, or receiving on any such loan interest, a finance charge, a discount, or consideration. (3) "Process" or "processing" includes printing a check, draft, or other form of negotiable instrument drawn on or debited against a consumer's financial account, formatting or transferring data for use in connection with the debiting of a consumer's financial account by means of such an instrument or an electronic funds transfer, or arranging for such services to be provided to a lender. (4) "Processor" means a person who engages in processing, as defined in subdivision (3) of this subsection. In this section, "processor" does not include an interbank clearinghouse. (5) "Interbank clearinghouse" means a person that operates an exchange of automated clearinghouse items, checks, or check images solely between insured depository institutions.   (b) It is an unfair and deceptive act and practice in commerce for a lender directly or through an agent to solicit or make a loan to a consumer by any means unless the lender is in compliance with all provisions of 8 V.S.A. chapter 73 or is otherwise exempt from the requirements of 8 V.S.A. chapter 73.(c) It is an unfair and deceptive act and practice in commerce for a processor, other than a federally insured depository institution, to process a check, draft, other form of negotiable instrument, or an electronic funds transfer from a consumer's financial account in connection with a loan solicited or made by any means to a consumer unless the lender is in compliance with all provisions of 8 V.S.A. chapter 73 or is otherwise exempt from the requirements of 8 V.S.A. chapter 73.(d) It is an unfair and deceptive act and practice in commerce for any person, including the lender's financial institution as defined in 8 V.S.A. § 10202(5), but not including the consumer's financial institution as defined in 8 V.S.A. § 10202(5) or an interbank clearinghouse as defined in subsection (a) of this section, to provide substantial assistance to a lender or processor when the person or the person's authorized agent receives notice from a regulatory, law enforcement, or similar governmental authority, or knows from its normal monitoring and compliance systems, or consciously avoids knowing that the lender or processor is in violation of subsection (b) or (c) of this section, or is engaging in an unfair or deceptive act or practice in commerce. (Added 2011, No. 136 (Adj. Sess.), § 8, eff. May 18, 2012; amended 2013, No. 199 (Adj. Sess.), § 26; 2019, No. 131 (Adj. Sess.), § 10.)
9 V.S.A. § 2481x
2021 Vermont Statutes|Title 9 - Commerce and Trade|Chapter 63 - Consumer Protection|§ 2481x. Entry fees; games not based on chance

§ 2481x. Entry fees; games not based on chance|Nothing in this chapter shall be construed to prohibit a person from requiring or paying any kind of entry fee, service charge, purchase, or similar consideration in order to enter, or continue to remain eligible for, a game of skill or other promotion that is not based on chance. (Added 2013, No. 9, § 1.)
9 V.S.A. § 2482a
2021 Vermont Statutes|Title 9 - Commerce and Trade|Chapter 63 - Consumer Protection|§ 2482a. Definitions

§ 2482a. Definitions|In this chapter:  (1)  "Account change" means a change to a member's password, username, e-mail address, or other contact information an Internet dating service uses to enable communications between members. (2) "Banned member" means the member whose account or profile is the subject of a fraud ban. (3) "Fraud ban" means barring a member's account or profile from an Internet dating service because, in the judgment of the service, the member poses a significant risk of attempting to obtain money from other members through fraudulent means. (4)  "Internet dating service" means a person, or a division of a person, that is primarily in the business of providing dating services principally on or through the Internet. (5)  "Member" means a person who submits to an Internet dating service information required to access the service and who obtains access to the service. (6)  "Vermont member" means a member who provides a Vermont residential or billing address or zip code when registering with the Internet dating service. (Added 2015, No. 128 (Adj. Sess.), § G.2, eff. May 24, 2016.)
9 V.S.A. § 2482b
2021 Vermont Statutes|Title 9 - Commerce and Trade|Chapter 63 - Consumer Protection|§ 2482b. Requirements for Internet dating services

§ 2482b. Requirements for Internet dating services|(a) An Internet dating service shall disclose to all of its Vermont members known to have previously received and responded to an on-site message from a banned member:  (1) the user name, identification number, or other profile identifier of the banned member; (2) the fact that the banned member was banned because, in the judgment of the Internet dating service, the banned member may have been using a false identity or may pose a significant risk of attempting to obtain money from other members through fraudulent means; (3) that a member should never send money or personal financial information to another member; and (4) a hyperlink to online information that clearly and conspicuously addresses the subject of how to avoid being defrauded by another member of an Internet dating service.   (b) The notification required by subsection (a) of this section shall be:  (1) clear and conspicuous; (2) by e-mail, text message, or other appropriate means of communication; and (3) sent within 24 hours after the fraud ban, or at a later time if the service has determined, based on an analysis of effective messaging, that a different time is more effective, but in no event later than three days after the fraud ban.   (c) An Internet dating service shall disclose in an e-mail, text message, or other appropriate means of communication, in a clear and conspicuous manner, within 24 hours after discovering an account change to a Vermont member's account:  (1) the fact that information on the member's account has been changed; (2) a brief description of the change; and (3) if applicable, how the member may obtain further information on the change.   (d)(1) A banned member from Vermont who is identified to one or more Vermont members pursuant to subsection (a) of this section shall have the right to challenge the ban by written complaint to the Office of the Vermont Attorney General.  (2) The Office of the Attorney General shall review a challenge brought by a banned member pursuant to this subsection and, if it finds that there was no reasonable basis for banning the member, shall require the Internet dating service to take reasonable corrective action to cure the erroneous ban. (Added 2015, No. 128 (Adj. Sess.), § G.2, eff. Jan. 1, 2017.)
9 V.S.A. § 2482c
2021 Vermont Statutes|Title 9 - Commerce and Trade|Chapter 63 - Consumer Protection|§ 2482c. Limited immunity

§ 2482c. Limited immunity|(a) An Internet dating service shall not be liable to any person, other than the State of Vermont, or any agency, department, or subdivision of the State, for disclosing to any member that it has banned a member, the user name or identifying information of the banned member, or the reasons for the Internet dating service's decision to ban such member in accordance with section 2482b of this title.(b) An Internet dating service shall not be liable to any person, other than the State of Vermont, or any agency, department, or subdivision of the State, for the decisions regarding whether to ban a member, or how or when to notify a member pursuant to section 2482b of this title.(c) This subchapter does not diminish or adversely affect the protections for Internet dating services that are afforded in 47 U.S.C. § 230 (Federal Communications Decency Act). (Added 2015, No. 128 (Adj. Sess.), § G.2, eff. May 24, 2016.)
9 V.S.A. § 2482d
2021 Vermont Statutes|Title 9 - Commerce and Trade|Chapter 63 - Consumer Protection|§ 2482d. Violations

§ 2482d. Violations|(a) A person who violates this subchapter commits an unfair and deceptive act in trade and commerce in violation of section 2453 of this title.(b) The Attorney General has the same authority to make rules, conduct civil investigations, and enter into assurances of discontinuance as is provided under subchapter 1 of this chapter. (Added 2015, No. 128 (Adj. Sess.), § G.2, eff. May 24, 2016.)
9 V.S.A. § 2482h
2021 Vermont Statutes|Title 9 - Commerce and Trade|Chapter 63 - Consumer Protection|§ 2482h. Solicitation; material misrepresentation

§ 2482h. Solicitation; material misrepresentation|(a) As used in this subchapter, "credit card terminal" means physical equipment used at the point of sale to accept payment by a payment card, including a credit card, debit card, EBT card, prepaid card, or gift card.(b) A person who solicits a finance lease for the use of a credit card terminal shall accurately disclose, orally and in writing:  (1) the nature and scope of his or her relationship to the person or persons who own, lease, service, and finance the credit card terminal and to the person or persons, if known, who provide services related to the credit card terminal, including whether he or she is an employee, independent contractor, or agent of one or more of those persons; and (2) the terms of a finance lease and whether oral statements or commitments he or she makes to the prospective lessee while soliciting a finance lease are included in the terms of the finance lease and enforceable against a party to a finance lease. (Added 2018, No. 4 (Sp. Sess.), § 1.)
9 V.S.A. § 2482j
2021 Vermont Statutes|Title 9 - Commerce and Trade|Chapter 63 - Consumer Protection|§ 2482j. Violations

§ 2482j. Violations|A person who violates this subchapter commits an unfair and deceptive act in trade and commerce in violation of section 2453 of this title. (Added 2018, No. 4 (Sp. Sess.), § 1.)
9 V.S.A. § 2483
2021 Vermont Statutes|Title 9 - Commerce and Trade|Chapter 63 - Consumer Protection|§ 2483. Applicability

§ 2483. Applicability|This subchapter does not apply to the use of a protected consumer's credit report or record by:  (1) a person administering a credit file monitoring subscription service to which:  (A) the protected consumer has subscribed; or (B) the protected consumer's representative has subscribed on the protected consumer's behalf;  (2) a person who, upon request from the protected consumer or the protected consumer's representative, provides the protected consumer or the protected consumer's representative with a copy of the protected consumer's credit report; (3) a check services or fraud prevention services company that issues:  (A) reports on incidents of fraud; or (B) authorization for the purpose of approving or processing negotiable instruments, electronic funds transfers, or similar payment methods;  (4) a deposit account information service company that issues reports regarding account closures due to fraud, substantial overdrafts, automated teller machine abuse, or similar information regarding an individual to inquiring banks or other financial institutions for use only in reviewing an individual's request for a deposit account at the inquiring bank or financial institution; (5) an insurance company for the purpose of conducting the insurance company's ordinary business; (6) a consumer reporting agency that:  (A) only resells credit information by assembling and merging information contained in a database of another consumer reporting agency or multiple consumer reporting agencies; and (B) does not maintain a permanent database of credit information from which new credit reports are produced; or  (7) a consumer reporting agency's database or file that consists of information that:  (A) concerns and is used for:  (i) criminal record information; (ii) fraud prevention or detection; (iii) personal loss history information; or (iv) employment, tenant, or individual background screening; and  (B) is not used for credit granting purposes. (Added 2017, No. 179 (Adj. Sess.), § 5, eff. Jan. 1, 2019.)
9 V.S.A. § 2483b
2021 Vermont Statutes|Title 9 - Commerce and Trade|Chapter 63 - Consumer Protection|§ 2483b. Fees

§ 2483b. Fees|A consumer reporting agency shall not charge a fee for any service performed under this subchapter. (Added 2017, No. 179 (Adj. Sess.), § 5, eff. Jan. 1, 2019.)
9 V.S.A. § 2501
2021 Vermont Statutes|Title 9 - Commerce and Trade|Chapter 67 - Pay-per-Call Services|§ 2501. Definitions

§ 2501. Definitions|As used in this chapter:  (1) "Caller" means a person who accesses a pay-per-call service. (2) "Interactive program" means a pay-per-call program that allows callers to choose between options or to communicate with other callers. (3) "Pay-per-call service" means any passive, interactive, polling, conference, or other similar audiotext service that is accessed through a telephone number and that generates an audiotext service related fee billed to a subscriber. "Pay-per-call service" does not include any conference service the price of which is established pursuant to a tariff approved by a regulatory agency. (4) "Advertisements and promotions" include all forms of solicitation directed at prospective callers of pay-per-call services, including mailings and advertisements in newspapers and magazines and on radio and television. (5) "Sponsor" means an individual, corporation, association, partnership, or other entity that sells or offers to sell a pay-per-call service to a person in this State and on whose behalf charges are billed, but shall not include a public utility regulated by the State or the Federal Communications Commission or an interexchange carrier which provides transport or billing and collection services for a pay-per-call service unless the public utility or interexchange carrier actually produces or advertises the pay-per-call service. (Added 1993, No. 99, § 2; amended 2021, No. 20, § 23.)
9 V.S.A. § 2502
2021 Vermont Statutes|Title 9 - Commerce and Trade|Chapter 67 - Pay-per-Call Services|§ 2502. Requirements for disclosures in advertisements

§ 2502. Requirements for disclosures in advertisements|(a) A sponsor shall include in all advertisements or promotions in this State for pay-per-call services the following disclosures in a clear and conspicuous manner:  (1) an accurate description of the message content and all material terms and conditions associated with the service; (2) the total price of the service, in a typeface and size as large and conspicuous as is the number to be called and displayed immediately adjacent to the number to be called, including:  (A) the initial flat rate charge, if any; (B) the per-minute charge, if any; (C) the minimum per-call charge, if any; (D) any other charges, if any; and (E) where charges are assessed based in whole or in part on the length of the call, the average duration of a call to the service, or if the service is less than 24 hours old, a good faith estimate of the average duration based on the average duration of the similar services;  (3) the sponsor's name, address, and customer service number.   (b) A sponsor shall include in all advertisements or promotions in this State for pay-per-call services directed at or likely to be of interest to minors a clear and conspicuous notice that parental consent must be obtained before a minor may dial the number.(c) No sponsor may use the word "free" or similar terms to describe the pay-per-call service in any advertisement or promotion in this State. (Added 1993, No. 99, § 2.)