reglab/housing_qa huggingface dataset:
IN Code § 28-8-5-12 (2021)
2021 Indiana Code|Title 28. Financial Institutions|Article 8. Financial Services|Chapter 5. Cashing Checks|28-8-5-12. Issuance and Refusal of Licenses; Evidence of Compliance; Criminal Background Checks

Sec. 12. (a) The department shall determine the financial responsibility, business experience, character, and general fitness of the applicant before issuing the license.(b) The department may refuse to issue a license for any of the following reasons:(1) Any of the following has been convicted of a felony under the laws of Indiana or any other jurisdiction:(A) An executive officer, director, or manager of the applicant, or any other individual having a similar status or performing a similar function for the applicant.(B) Any person directly or indirectly owning of record or owning beneficially at least ten percent (10%) of the outstanding shares of any class of equity security of the applicant.(2) The application was submitted for the benefit of, or on behalf of, a person who does not qualify for a license.(c) The director of the department may request evidence of compliance with this section by the licensee at:(1) the time of application;(2) the time of renewal of the licensee's license; or(3) any other time considered necessary by the director.(d) For purposes of subsection (c), evidence of compliance may include:(1) criminal background checks, including a national criminal history background check (as defined in IC 10-13-3-12) by the Federal Bureau of Investigation for any individual described in subsection (b)(1);(2) credit histories; and(3) other background checks considered necessary by the director.If the director requests a national criminal history background check under subdivision (1) for an individual described in that subdivision, the director shall require the individual to submit fingerprints to the department or to the state police department, as appropriate, at the time evidence of compliance is requested under subsection (c). The individual to whom the request is made shall pay any fees or costs associated with the fingerprints and the national criminal history background check. The national criminal history background check may be used by the director to determine the individual's compliance with this section. The director or the department may not release the results of the national criminal history background check to any private entity.As added by P.L.42-1993, SEC.86. Amended by P.L.80-1998, SEC.22; P.L.63-2001, SEC.21 and P.L.134-2001, SEC.23; P.L.10-2006, SEC.63 and P.L.57-2006, SEC.63; P.L.213-2007, SEC.87; P.L.217-2007, SEC.85; P.L.90-2008, SEC.64; P.L.35-2010, SEC.186.
IN Code § 28-8-5-13 (2021)
2021 Indiana Code|Title 28. Financial Institutions|Article 8. Financial Services|Chapter 5. Cashing Checks|28-8-5-13. Licenses Not Transferable or Assignable

Sec. 13. Except in a transaction approved under section 13.1 of this chapter, a license is not transferable or assignable.As added by P.L.42-1993, SEC.86. Amended by P.L.89-2011, SEC.63.
IN Code § 28-8-5-14 (2021)
2021 Indiana Code|Title 28. Financial Institutions|Article 8. Financial Services|Chapter 5. Cashing Checks|28-8-5-14. Expiration of Licenses

Sec. 14. A license issued pursuant to this chapter expires on January 1 of the year following the date of issuance unless earlier suspended, relinquished, or revoked.As added by P.L.42-1993, SEC.86. Amended by P.L.27-2012, SEC.103; P.L.137-2014, SEC.35; P.L.69-2018, SEC.66.
IN Code § 28-8-5-15 (2021)
2021 Indiana Code|Title 28. Financial Institutions|Article 8. Financial Services|Chapter 5. Cashing Checks|28-8-5-15. License Renewal; Application; Fee; Changes and Events Concerning Licensees or Applicants; Notice to Department Required

Sec. 15. (a) To remain in force, a license must be renewed not later than December 31 of each year, beginning with the year following the date of issuance, as set forth in section 14 of this chapter. A licensee may renew a license issued under this chapter by filing a renewal application as prescribed by the director of the department. The department shall prescribe a form for the renewal application. To be accepted for processing, a renewal application must be accompanied by:(1) the license renewal fee described in subsection (b); and(2) all information and documents requested by the director of the department.(b) A licensee that seeks to renew a license issued under this chapter shall pay to the department not later than December 31 of each year a fee fixed by the department under IC 28-11-3-5 as a renewal fee. The department may fix a daily late fee under IC 28-11-3-5 for a:(1) renewal license application; or(2) renewal fee;that is received by the department after December 31.(c) A person that is licensed under this chapter, or a person that seeks a license or a renewal of a license under this chapter in accordance with this section and sections 11 and 12 of this chapter, shall notify the department not later than thirty (30) days after any of the following occurs:(1) The person has a change in name, address, or principals.(2) The person opens a new branch, closes an existing branch, or relocates an existing branch.(3) The person files for bankruptcy or reorganization.(4) The person is notified by a state or governmental authority that the person is subject to revocation or suspension proceedings with respect to the person's activities related to the business of cashing checks or the provision of other financial services.(5) An individual described in section 12(b)(1) of this chapter has been convicted of a felony involving fraud, deceit, or misrepresentation under the laws of Indiana or any other jurisdiction.As added by P.L.42-1993, SEC.86. Amended by P.L.35-2010, SEC.187; P.L.89-2011, SEC.65; P.L.137-2014, SEC.36; P.L.69-2018, SEC.67; P.L.129-2020, SEC.22.
IN Code § 28-8-5-16 (2021)
2021 Indiana Code|Title 28. Financial Institutions|Article 8. Financial Services|Chapter 5. Cashing Checks|28-8-5-16. Check Cashing Requirements

Sec. 16. (a) A licensee must do the following:(1) Conspicuously display at each place of business a notice to the public stating the maximum charges for cashing checks.(2) Make payment to a customer for whom a check is being cashed upon presentment of the check.(3) Endorse the name in which the licensee is licensed on all checks before depositing them in a financial institution.(4) Cash a check made payable only to a natural person as payee unless the licensee has previously obtained appropriate documentation from a payee clearly indicating the authority of the natural person or persons cashing the check on behalf of the payee.(b) If a licensee engages in a check cashing transaction in which the amount on the check is at least three thousand dollars ($3,000) or in which the sum of the amounts on two (2) or more checks from the same customer on the same day total at least three thousand dollars ($3,000), the licensee must obtain:(1) the thumbprint of the customer or a photograph of both the customer and the check;(2) the full name of the customer;(3) the residence address of the customer; and(4) the identification of the customer by:(i) Social Security number;(ii) driver's license number;(iii) passport number; or(iv) other traceable record.As added by P.L.42-1993, SEC.86.
IN Code § 28-8-5-17 (2021)
2021 Indiana Code|Title 28. Financial Institutions|Article 8. Financial Services|Chapter 5. Cashing Checks|28-8-5-17. Check Cashing Fee Limitations

Sec. 17. (a) Except as otherwise provided in this chapter, a licensee may not charge check cashing fees in excess of:(1) the greater of ten dollars ($10) or ten percent (10%) of the face amount of a check, in the case of a personal check; or(2) the greater of five dollars ($5) or five percent (5%) of the face amount of a check, in the case of all other checks.(b) Except as provided in this chapter, a licensee or the licensee's agent may not accept multiple checks from a:(1) person;(2) person's spouse; or(3) person's agent;drawn on the person's account with the intent that the licensee may collect multiple or increased fees for cashing the checks.As added by P.L.42-1993, SEC.86. Amended by P.L.80-1998, SEC.23; P.L.213-2007, SEC.88; P.L.217-2007, SEC.86.
IN Code § 28-8-5-18 (2021)
2021 Indiana Code|Title 28. Financial Institutions|Article 8. Financial Services|Chapter 5. Cashing Checks|28-8-5-18. Record Keeping; Duty to Safeguard Personal Records

Sec. 18. (a) A licensee shall keep its books, accounts, and records satisfactory to the department for each transaction for at least three (3) years from the transaction date.(b) A licensee shall keep its books, accounts, and records separate from those of any other type of business and in a manner that reflects the order of the licensee's transactions.(c) A person licensed or required to be licensed under this chapter is subject to IC 28-1-2-30.5 with respect to any records maintained by the person.As added by P.L.42-1993, SEC.86. Amended by P.L.90-2008, SEC.65.
IN Code § 28-8-5-18.2 (2021)
2021 Indiana Code|Title 28. Financial Institutions|Article 8. Financial Services|Chapter 5. Cashing Checks|28-8-5-18.2. Carrying on Other Business

Sec. 18.2. A licensee may carry on other business at a location where the licensee conducts the business of cashing checks unless the licensee carries on other business for the purpose of evasion or violation of this chapter.As added by P.L.159-2017, SEC.50.
IN Code § 28-8-5-18.4 (2021)
2021 Indiana Code|Title 28. Financial Institutions|Article 8. Financial Services|Chapter 5. Cashing Checks|28-8-5-18.4. Felony Convictions or Pleas; Notice to Department

Sec. 18.4. (a) This section applies if, after a person has been issued a license or renewal license under this chapter, the licensee, or any individual described in section 11(b)(2) of this chapter, has been convicted of or pleaded guilty to a felony under the laws of Indiana or any other jurisdiction.(b) If this section applies, the licensee shall provide to the department the information required under section 11(b)(2)(D) of this chapter:(1) not later than thirty (30) days after the licensee or individual described in section 11(b)(2) of this chapter has been convicted of or pleaded guilty to the felony; or(2) if the licensee's next license renewal fee under section 15 of this chapter is due before the date described in subdivision (1), along with the licensee's next license renewal fee under section 15 of this chapter.As added by P.L.213-2007, SEC.89; P.L.217-2007, SEC.87. Amended by P.L.35-2010, SEC.188; P.L.186-2015, SEC.47.
IN Code § 28-8-5-18.5 (2021)
2021 Indiana Code|Title 28. Financial Institutions|Article 8. Financial Services|Chapter 5. Cashing Checks|28-8-5-18.5. Checks Drawn on Valid Accounts and Deposited With Intent to Draw Funds

Sec. 18.5. The check in a check cashing transaction, to the best of the licensee's knowledge, must be drawn on a valid, open, and active account and must be deposited by the licensee into a financial institution with the intent to draw the funds of that check.As added by P.L.80-1998, SEC.24.
IN Code § 28-8-5-20 (2021)
2021 Indiana Code|Title 28. Financial Institutions|Article 8. Financial Services|Chapter 5. Cashing Checks|28-8-5-20. Investigation Procedures

Sec. 20. In making investigations concerning the compliance of a licensee the department may:(1) administer oaths;(2) subpoena witnesses; and(3) require the production of:(i) books, documents, or other tangible items; and(ii) information pertaining to the identity of and location of persons having knowledge of facts concerning compliance with this chapter.As added by P.L.42-1993, SEC.86.
IN Code § 28-8-5-21 (2021)
2021 Indiana Code|Title 28. Financial Institutions|Article 8. Financial Services|Chapter 5. Cashing Checks|28-8-5-21. Examination of Records Located Outside Indiana

Sec. 21. If the licensee's records are located outside Indiana, the licensee shall either make them available to the department at a convenient location within Indiana or pay the reasonable and necessary expenses for the department or its representative to examine them at the place where they are maintained.As added by P.L.42-1993, SEC.86.
IN Code § 28-8-5-21.1 (2021)
2021 Indiana Code|Title 28. Financial Institutions|Article 8. Financial Services|Chapter 5. Cashing Checks|28-8-5-21.1. Applicability of Law Governing Administrative Orders and Procedures; Venue

Sec. 21.1. Except as otherwise provided, IC 4-21.5 applies to and governs all agency action taken by the department under this chapter. A proceeding for administrative review under IC 4-21.5-3 or judicial review under IC 4-21.5-5 must be held in Marion County.As added by P.L.35-2010, SEC.190.
IN Code § 28-8-5-22.5 (2021)
2021 Indiana Code|Title 28. Financial Institutions|Article 8. Financial Services|Chapter 5. Cashing Checks|28-8-5-22.5. Failure to File Renewal Form or Pay Renewal Fee; Revocation or Suspension of License

Sec. 22.5. (a) A license issued by the department under this chapter may be revoked or suspended by the department if the person fails to:(1) file any renewal applications prescribed by the director; or(2) pay any license renewal fee described under section 15 of this chapter;not later than sixty (60) days after the date the renewal is due.(b) A person whose license is revoked or suspended under this section may:(1) pay all delinquent fees and apply for reinstatement of the person's license; or(2) appeal the revocation to the department for an administrative review under IC 4-21.5-3.Pending the decision resulting from a hearing under IC 4-21.5-3 concerning license revocation or suspension, a license remains in force.As added by P.L.176-1996, SEC.26. Amended by P.L.35-2010, SEC.191; P.L.89-2011, SEC.66.
IN Code § 28-8-5-23 (2021)
2021 Indiana Code|Title 28. Financial Institutions|Article 8. Financial Services|Chapter 5. Cashing Checks|28-8-5-23. Investigations; Void Check Cashing Transactions

Sec. 23. (a) If the department determines that a reasonable belief exists that a person is operating without a valid license or in violation of this chapter, the department may investigate the person.(b) If a person knowingly acts as a casher of checks without the license required by section 12 of this chapter, the check cashing transaction is void and the customer is not required to pay any check cashing fees to the person. If the customer has paid any check cashing fees to the person, the customer, or the department on behalf of the customer, is entitled to recover the payment from the person.As added by P.L.42-1993, SEC.86. Amended by P.L.172-1997, SEC.24.
IN Code § 28-8-5-24 (2021)
2021 Indiana Code|Title 28. Financial Institutions|Article 8. Financial Services|Chapter 5. Cashing Checks|28-8-5-24. Civil Penalties; Civil Action by Department

Sec. 24. (a) If the department determines, after notice and an opportunity to be heard, that a person has violated this chapter, the department may, in addition to or instead of all other remedies available under this chapter, impose upon the person a civil penalty not greater than ten thousand dollars ($10,000) per violation.(b) In addition to or instead of imposing a civil penalty under subsection (a), the department may bring a civil action against a person for violating this chapter.(c) If the court finds that the defendant is guilty of violating this chapter, the court may assess a civil penalty not to exceed five thousand dollars ($5,000) per violation.(d) Civil penalties collected under this section shall be deposited into the financial institutions fund established by IC 28-11-2-9.As added by P.L.42-1993, SEC.86. Amended by P.L.89-2011, SEC.67.
IN Code § 28-8-5-24.5 (2021)
2021 Indiana Code|Title 28. Financial Institutions|Article 8. Financial Services|Chapter 5. Cashing Checks|28-8-5-24.5. Compliance With Money Laundering Laws; Investigation and Enforcement by Department

Sec. 24.5. (a) A licensee shall comply with all state and federal money laundering statutes and regulations, including the following:(1) The Bank Secrecy Act (31 U.S.C. 5311 et seq.).(2) The USA Patriot Act of 2001 (P.L. 107-56).(3) Any regulations, policies, or reporting requirements established by the Financial Crimes Enforcement Network of the United States Department of the Treasury.(4) Any other state or federal money laundering statutes or regulations that apply to a licensee.(b) The department shall do the following:(1) To the extent authorized or required by state law, investigate potential violations of, and enforce compliance with, state money laundering statutes or regulations.(2) Investigate potential violations of federal money laundering statutes or regulations and, to the extent authorized or required by federal law:(A) enforce compliance with the federal statutes or regulations; or(B) refer suspected violations of the federal statutes or regulations to the appropriate federal regulatory agencies.As added by P.L.10-2006, SEC.66 and P.L.57-2006, SEC.66.
IN Code § 28-8-5-25 (2021)
2021 Indiana Code|Title 28. Financial Institutions|Article 8. Financial Services|Chapter 5. Cashing Checks|28-8-5-25. Violations

Sec. 25. A licensee who violates the provisions of this chapter commits a Class A misdemeanor.As added by P.L.42-1993, SEC.86.
IN Code § 28-9-1-1 (2021)
2021 Indiana Code|Title 28. Financial Institutions|Article 9. Depository Financial Institutions Adverse Claims Act|Chapter 1. Applicability|28-9-1-1. Application of Article

Sec. 1. This article does not apply to income withholding under IC 31-16-15.As added by P.L.258-1989, SEC.2. Amended by P.L.1-1997, SEC.117.
IN Code § 28-9-2-1 (2021)
2021 Indiana Code|Title 28. Financial Institutions|Article 9. Depository Financial Institutions Adverse Claims Act|Chapter 2. Definitions|28-9-2-1. Application of Definitions

Sec. 1. The definitions in this chapter apply throughout this article.As added by P.L.258-1989, SEC.2.
IN Code § 28-9-2-2 (2021)
2021 Indiana Code|Title 28. Financial Institutions|Article 9. Depository Financial Institutions Adverse Claims Act|Chapter 2. Definitions|28-9-2-2. "Adverse Claim"

Sec. 2. "Adverse claim" includes the following:(1) A claim to a deposit account that is adverse to the rights or interest of any depositor of the deposit account.(2) A claim to a deposit account that is made in the name of a person other than a person who is named as a depositor of the deposit account.(3) A claim of authority by a corporate officer or agent to manage, draw on, or control a deposit account, if that claim of authority:(A) is contrary to the authority indicated in the records of the depository financial institution; or(B) conflicts with a claim of authority asserted by another person.(4) The claim of a money judgment creditor against a person who is or may be a depositor.As added by P.L.258-1989, SEC.2.
IN Code § 28-9-2-3 (2021)
2021 Indiana Code|Title 28. Financial Institutions|Article 9. Depository Financial Institutions Adverse Claims Act|Chapter 2. Definitions|28-9-2-3. "Adverse Claimant"

Sec. 3. "Adverse claimant" means a person asserting an adverse claim.As added by P.L.258-1989, SEC.2.
IN Code § 28-9-2-4 (2021)
2021 Indiana Code|Title 28. Financial Institutions|Article 9. Depository Financial Institutions Adverse Claims Act|Chapter 2. Definitions|28-9-2-4. "Depositor"

Sec. 4. "Depositor" means a person who, according to records maintained by the depository financial institution, has an interest in a deposit account, either individually or jointly with another person.As added by P.L.258-1989, SEC.2.
IN Code § 28-9-2-5 (2021)
2021 Indiana Code|Title 28. Financial Institutions|Article 9. Depository Financial Institutions Adverse Claims Act|Chapter 2. Definitions|28-9-2-5. "Deposit Account"

Sec. 5. "Deposit account" means an account made by a depositor, either individually or jointly with another person, with a depository financial institution. The term includes the following accounts:(1) Share.(2) Share draft.(3) Share certificate.(4) Draft.(5) Certificate of deposit.(6) Savings.(7) Passbook.(8) Checking.(9) Money market.(10) Transaction.(11) Time deposit.(12) Savings deposit.(13) Accounts similar to those listed in subdivisions (1) through (12).As added by P.L.258-1989, SEC.2.
IN Code § 28-9-2-6 (2021)
2021 Indiana Code|Title 28. Financial Institutions|Article 9. Depository Financial Institutions Adverse Claims Act|Chapter 2. Definitions|28-9-2-6. "Depository Financial Institution"

Sec. 6. "Depository financial institution" means a financial institution that is organized or reorganized under Indiana law, the law of another state, or United States law. The term includes:(1) a commercial bank;(2) a trust company;(3) a credit union;(4) a savings bank;(5) a savings association;(6) a bank of discount and deposit;(7) an industrial loan and investment company; or(8) a similar financial institution to those listed in subdivisions (1) through (7);if that financial institution has the financial institution's principal place of business or a branch in Indiana.As added by P.L.258-1989, SEC.2. Amended by P.L.42-1993, SEC.87; P.L.79-1998, SEC.82.
IN Code § 28-9-2-7 (2021)
2021 Indiana Code|Title 28. Financial Institutions|Article 9. Depository Financial Institutions Adverse Claims Act|Chapter 2. Definitions|28-9-2-7. "Person"

Sec. 7. "Person" has the meaning set forth in IC 3-5-2-36.As added by P.L.258-1989, SEC.2.
IN Code § 28-9-2-8 (2021)
2021 Indiana Code|Title 28. Financial Institutions|Article 9. Depository Financial Institutions Adverse Claims Act|Chapter 2. Definitions|28-9-2-8. "Working Day"

Sec. 8. "Working day" means that part of any day on which a depository financial institution is open to the public for carrying on substantially all of its functions.As added by P.L.258-1989, SEC.2.
IN Code § 28-9-3-1 (2021)
2021 Indiana Code|Title 28. Financial Institutions|Article 9. Depository Financial Institutions Adverse Claims Act|Chapter 3. Notice of Adverse Claims|28-9-3-1. Duty of Depository Financial Institution Upon Notice of Adverse Claim

Sec. 1. Except upon the conditions specified in sections 3 and 4 of this chapter, notice to a depository financial institution of an adverse claim does not require the depository financial institution to:(1) recognize the adverse claim in any manner; or(2) place a hold on, or otherwise restrict withdrawal of funds from, a deposit account.As added by P.L.258-1989, SEC.2.
IN Code § 28-9-3-2 (2021)
2021 Indiana Code|Title 28. Financial Institutions|Article 9. Depository Financial Institutions Adverse Claims Act|Chapter 3. Notice of Adverse Claims|28-9-3-2. Honoring Order or Instructions of Depositor; Liability

Sec. 2. Except as provided in sections 3 and 4 of this chapter, and notwithstanding IC 34-25-3-3 or any other rule or doctrine of law that:(1) would cause a depository financial institution to be accountable to an adverse claimant for any portion of any deposit account; or(2) would create or impose in favor of an adverse claimant a lien, charge, encumbrance, or other right with respect to a deposit account;a depository financial institution may, without being liable in damages to any person, honor the order or instructions of a depositor or an agent of a depositor who is authorized under records maintained by the depository financial institution to control the depositor's deposit account.As added by P.L.258-1989, SEC.2. Amended by P.L.1-1998, SEC.156.