reglab/housing_qa huggingface dataset:
AR Code § 4-89-107 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 89 - Home Solicitation Sales|§ 4-89-107. Buyer's right to cancel offer or contract

 (a) In addition to any other right to revoke an offer, the buyer has the absolute right to cancel a home solicitation contract or offer until midnight of the third calendar day, excluding Sundays and holidays as declared in § 1-5-101, after the day on which the buyer signs an agreement.  (b) Cancellation occurs when the buyer returns to the seller the notice of cancellation, the notice having been provided for the buyer by the seller. To further protect the consumer, it is suggested that the notice of cancellation be sent by registered mail.
AR Code § 4-89-108 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 89 - Home Solicitation Sales|§ 4-89-108. Requirements for enforceable sale — Notice of right to cancellation required

 (a) A home solicitation sale is not enforceable by way of action or defense unless there is a writing which:  (1) Is sufficient to indicate that a contract for sale has been made between the parties;  (2) Is signed by both the consumer and the seller;  (3) Contains no provision not included in the oral sales presentation;  (4) Contains the name and address of the seller; and  (5) Contains the date on which the consumer actually signs the writing.    (b) A home solicitation sale is not enforceable by way of action if:  (1) The seller does not provide the consumer with a fully completed copy of the writing at the time the consumer actually signs the writing; or  (2) The seller commits a deceptive trade practice as defined by this chapter.    (c) In a home solicitation sale, the seller must furnish to the buyer at the time he or she signs the sales contract or otherwise agrees to buy consumer goods or services from the seller a completed form in duplicate, captioned “NOTICE OF CANCELLATION”, which shall be attached to the contract or receipt and easily detachable and which shall contain in 10-point bold face type the following information and statements:  (d) If seller fails to give both oral and written notice of the buyer's right to cancellation, the cooling-off period does not begin to run until actual notice is given, and the buyer is no longer obliged to return the goods in substantially the same condition.    “NOTICE OF CANCELLATION (Enter date of transaction) You are entitled to cancel the agreement or offer referred to above at any time prior to midnight of the third day, excluding Sundays and holidays, after the day you signed the agreement or offer. In the event you cancel, the seller must return to you (1) any payments made; (2) any goods or other property (or a sum equal to the amount of the trade-in allowance given therefor); and (3) any note or other evidence of indebtedness, given by you to the seller pursuant to or in connection with the agreement or offer. After cancellation, the seller is entitled to receive back from you at your address any goods previously delivered by him or her to you in substantially the same condition as delivered, providing he or she has returned any payments and goods or other property received from you, to the extent indicated above. If the seller does not call for his or her goods at your address within twenty (20) days after you give notice of cancellation, you may keep them as your own. TO CANCEL THIS TRANSACTION, MAIL OR DELIVER A SIGNED AND DATED COPY OF THIS CANCELLATION NOTICE OR ANY OTHER WRITTEN NOTICE TO (Name of seller) AT (Address of seller's place of business) NOT LATER THAN MIDNIGHT OF (Date) I HEREBY CANCEL THIS TRANSACTION (Date) (Buyer's signature).”   Click to view form.
AR Code § 4-89-109 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 89 - Home Solicitation Sales|§ 4-89-109. Return of payments and goods by seller

 (a) Within ten (10) days after a home solicitation contract or offer has been cancelled, the seller must tender to the buyer any payments made by the buyer and any note or other evidence of indebtedness.  (b) If the down payment includes goods traded in, the goods must be tendered in substantially as good condition as when received. 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.  (c) Until the seller has complied with the obligations imposed by this section, the buyer may retain possession of goods delivered to him or her by the seller and has a lien on the goods for any recovery to which he or she is entitled.
AR Code § 4-89-110 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 89 - Home Solicitation Sales|§ 4-89-110. Return of goods by buyer — Buyer's duty

 (a)  (1) Within twenty (20) days after a home solicitation contract or offer has been cancelled, the buyer, upon demand, must tender to the seller any goods delivered by the seller pursuant to the sale or offer, but he or she is not obligated to tender at any place other than his or her own address.  (2) If the seller fails to demand possession of goods within twenty (20) days after cancellation, the goods become the property of the buyer without obligation to pay for them.    (b)  (1) The buyer has a duty to take reasonable care of the goods in his or her possession both prior to cancellation and during the twenty-day period following.  (2) During the twenty-day period after cancellation, except for the buyer's duty of care, the goods are at the seller's risk.
AR Code § 4-92-101 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 92 - Rental Purchases|§ 4-92-101. Title

 This chapter shall be known and may be cited as the “Rental Purchase Act”.
AR Code § 4-92-102 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 92 - Rental Purchases|§ 4-92-102. Definitions

 As used in this chapter, unless the context otherwise requires:   (1) “Advertisement” means a commercial message in any medium that directly or indirectly promotes or assists a rental-purchase agreement, except for in-store merchandising aids;  (2) “Consumer” means a person who leases personal property under a rental-purchase agreement;  (3) “Merchandise” means the personal property that is the subject of a rental-purchase agreement;  (4) “Lessor” means a person who, in the ordinary course of business, regularly leases, offers to lease, or arranges for the leasing of merchandise under a rental-purchase agreement and includes a person who is assigned an interest in a rental-purchase agreement;  (5) “Person” means an individual, corporation, partnership, organization, or any other entity;  (6) “Reinstatement period” means the period of time specified in § 4-92-106 during which a consumer may either pay delinquent rent or return merchandise and thereby retain the right to have the rental-purchase agreement reinstated; and  (7) “Rental-purchase agreement” means an agreement for the use of merchandise by a consumer for personal, family, household, or business purposes for an initial period of four (4) months or less that is automatically renewable with each payment after the initial period, but does not obligate or require the consumer to continue leasing or using the merchandise after the initial period, and that permits the consumer to become the owner of the merchandise, but does not obligate the consumer to purchase or become the owner of the merchandise.
AR Code § 4-92-103 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 92 - Rental Purchases|§ 4-92-103. Liability of lessor

 (a) A consumer damaged by a violation of this chapter by a lessor is entitled to recover from the lessor:  (1) Actual damages;  (2) Twenty-five percent (25%) of an amount equal to the total amount of payments required to obtain ownership of the merchandise involved. However, the amount recovered under this subdivision (a)(2) may not be less than one hundred dollars ($100) nor more than one thousand dollars ($1,000); and  (3) Reasonable attorney's fees not to exceed fifteen percent (15%) of the consumer's allowable recovery and court costs.    (b)  (1) Any execution or enforcement of a rental-purchase agreement in violation of this chapter or any other violation of this chapter shall constitute an unfair or deceptive act or practice as defined by the Deceptive Trade Practices Act, § 4-88-101 et seq.  (2) All remedies, penalties, and authority granted to the Attorney General under the Deceptive Trade Practices Act, § 4-88-101 et seq., shall be available to the Attorney General for the enforcement of this chapter.
AR Code § 4-92-104 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 92 - Rental Purchases|§ 4-92-104. Agreement — Nature

 An agreement which conforms with the definition as set forth in § 4-92-102(7) shall be a true lease and shall not constitute a credit sale, retail installment contract, agreement, obligation, or any other type of credit sale financing device, nor shall it create a security interest as that term is defined in § 4-1-201(b)(35). Until the lessor transfers title to the merchandise to the consumer, the relationship of the parties to a rental-purchase agreement shall be that of a lessor and lessee and not that of a seller and buyer, and title to the merchandise shall remain vested with the lessor.
AR Code § 4-92-105 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 92 - Rental Purchases|§ 4-92-105. Agreement — Provisions prohibited and required

 (a) A rental-purchase agreement shall not contain a provision:  (1) Requiring a confession of judgment;  (2) Authorizing a merchant or agent of the merchant to commit a breach of the peace while repossessing merchandise;  (3) Waiving a defense, counterclaim, or right the consumer may have against the merchant or an agent of the merchant; or  (4) Requiring the purchase of insurance from the merchant to cover the merchandise.    (b) A rental-purchase agreement must disclose:  (1) Whether the merchandise is new or used;  (2) The amount and timing of regular rental payments;  (3) The total number of payments necessary and the total amount to be paid to acquire ownership;  (4) The amounts and purpose of any other payment, charge, or fee in addition to the regular periodic rental payment;  (5) That the consumer does not acquire any ownership rights until the consumer has complied with the ownership terms of the agreement;  (6) Whether the consumer is liable for loss or damage to the merchandise, and if so, the maximum amount for which the consumer may be held liable; and  (7) Notice of the right to reinstate an agreement as provided in § 4-92-106(a).
AR Code § 4-92-106 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 92 - Rental Purchases|§ 4-92-106. Agreement — Reinstatement

 (a) A consumer who fails to make a timely rental payment may reinstate an agreement without losing any rights or options previously acquired by either paying all rental and other charges due or returning the merchandise to the lessor within five (5) business days from the date of the last scheduled rental payment if the consumer pays rent monthly, or within two (2) business days from the date of the last scheduled rental payment if the consumer pays more frequently than monthly.  (b) Nothing in this section shall prevent the accrual of any late charges or reinstatement fees charged by the lessor.  (c) Nothing in this section shall prevent the lessor from attempting to repossess the merchandise during the reinstatement period, but the consumer's right to reinstate an agreement shall not expire because of the repossession.  (d) If the merchandise is returned during the applicable reinstatement period, other than through judicial process, the right to reinstate shall be extended for a period of not less than thirty (30) days after the date of the return of the merchandise.  (e) No consumer shall have the right to reinstate more than three (3) times during the term of any one (1) rental-purchase agreement.  (f) On reinstatement, the lessor shall provide the consumer with the same merchandise or shall substitute merchandise of comparable quality and condition. However, the lessor shall not be required to provide new disclosures upon reinstatement.
AR Code § 4-92-107 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 92 - Rental Purchases|§ 4-92-107. Advertisements

 Any advertisement for a rental-purchase agreement must clearly and conspicuously state that the advertised transaction is a rental-purchase transaction.
AR Code § 4-92-108 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 92 - Rental Purchases|§ 4-92-108. Personal property — Repossessed rental merchandise

 (a) This section applies when merchandise becomes attached to the personal property of the consumer that is subject to a perfected lien of a secured creditor while the merchandise is being leased from a lessor under a rental-purchase agreement.  (b)  (1) If a secured creditor has a security interest in the personal property of a consumer and the merchandise has become attached to that consumer's personal property, and a lessor repossesses the merchandise attached to the consumer's personal property before the consumer becomes the owner of such merchandise, then at the time of repossession the lessor shall install substitute new or used factory quality equipment that is reasonably calculated to keep the personal property of the consumer usable and operable.  (2) A lessor is liable to a secured creditor for the cost and installation of the substitute equipment if a lessor does not comply with subdivision (b)(1) of this section at the time of repossession.    (c) If a secured creditor repossesses the collateral of the secured creditor before the consumer becomes the owner of the merchandise that is attached to the collateral and before the collateral is resold, then the secured creditor shall:  (1) Work with the lessor to comply with subdivision (b)(1) of this section; or  (2) Pay the lessor whichever is the lesser amount:  (A) The original cost of the merchandise; or  (B) The total of remaining rental payments on the consumer's rental purchase agreement with the lessor.
AR Code § 4-93-101 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 93 - Credit Reporting Disclosures|§ 4-93-101. Title

 This chapter may be known and cited as the “Credit Reporting Disclosure Act of 1989”.
AR Code § 4-93-102 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 93 - Credit Reporting Disclosures|§ 4-93-102. Definitions

 As used in this chapter, the terms “consumer”, “consumer report”, “consumer reporting agency”, and “person” have the same meaning as used in the federal Fair Credit Reporting Act, 15 U.S.C. § 1681, 84 Stat. 1128.
AR Code § 4-93-103 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 93 - Credit Reporting Disclosures|§ 4-93-103. Notice of adverse action — Required

 Whenever credit, the further extension of existing credit, or the increase in limits of existing credit for personal, family, or household purposes is denied either wholly or partly because of information contained in a consumer report from a consumer reporting agency, the user of the consumer report shall so advise the consumer against whom such adverse action has been taken.
AR Code § 4-93-104 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 93 - Credit Reporting Disclosures|§ 4-93-104. Notice of adverse action — Contents — Damages

 (a) The notification of adverse action shall be in writing and shall contain:  (1) A statement of the action taken;  (2) The name and address of the creditor;  (3) The name and address of the consumer reporting agency making the report; and  (4) The social security number of the consumer, provided that the social security number has been given to the user of the consumer report by the consumer or is contained in the consumer report received from the consumer reporting agency.    (b) Any person who fails to provide the notification required by this chapter shall be liable to the injured party for actual damages.
AR Code § 4-94-101 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 94 - Health Spa Consumer Protection Act|§ 4-94-101. Title

 This chapter shall be known and may be cited as the “Health Spa Consumer Protection Act”.
AR Code § 4-94-102 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 94 - Health Spa Consumer Protection Act|§ 4-94-102. Definitions

 As used in this chapter, unless the context otherwise requires:   (1) “Buyer” means a person who contracts for and purchases services under a health spa services contract;  (2) “Contract for health spa services” means a written agreement whereby a buyer purchases or is obligated to purchase the health spa services or a right to use its facilities;  (3)  (A) “Health spa” means and includes any person, firm, corporation, organization, club, or association engaged in the sale of memberships in a program of physical exercise which includes the use of one (1) or more of a sauna, whirlpool, weightlifting room, massage, steam room, or exercising machine or device, or engaged in the sale of the right or privilege to use exercise equipment or facilities, such as a sauna, whirlpool, weightlifting room, massage, steam room, or exercising machine or device.  (B) The term “health spa” shall not include the following:  (i) Bona fide nonprofit organizations, including, but not limited to, the Young Men's Christian Association, Young Women's Christian Association, or similar organizations whose functions as health spas are only incidental to the overall functions and purposes;  (ii) Any organization primarily operated for the purpose of teaching a particular form of martial arts, such as judo or karate;  (iii) Any nonprofit public or private school, college, or university;  (iv) Any country club; or  (v) Weight-loss or weight-control services which do not provide physical exercise facilities and which do not obligate the customer for more than twenty-five (25) months; and      (4) “Seller” means the person, corporation, partnership, association, or group that is engaged in the operation of the health spa, as defined in this section and who offers for sale the right to use health spa facilities or services, now or in the future.
AR Code § 4-94-103 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 94 - Health Spa Consumer Protection Act|§ 4-94-103. Scope of chapter

 The provisions of this chapter are not exclusive and do not relieve the parties or the contracts subject thereto from compliance with all other applicable provisions of law.
AR Code § 4-94-104 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 94 - Health Spa Consumer Protection Act|§ 4-94-104. Written contract required — Delivery to buyer

 (a) Every contract for health spa services shall be in writing and be subject to the provisions of this chapter.  (b) A copy of the written contract shall be given to the buyer at the time the contract is executed.
AR Code § 4-94-105 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 94 - Health Spa Consumer Protection Act|§ 4-94-105. Void or voidable provisions — Waiver

 (a) Any contract for health spa services which does not comply with the applicable provisions of this chapter shall be voidable at the option of the buyer.  (b)  (1) Any contract for health spa services entered into in reliance upon any willful and false, fraudulent, or misleading information, representation, notice, or advertisement of the seller shall be void and unenforceable.  (2)  (A) Any attempted enforcement of a health spa services contract in violation of this chapter shall constitute an unfair or deceptive act or practice as defined by the Deceptive Trade Practices Act, § 4-88-101 et seq.  (B) All remedies, penalties, and authority granted to the Attorney General under the Deceptive Trade Practices Act, § 4-88-101 et seq., shall be available to the Attorney General for the enforcement of this chapter.      (c) Any waiver of the buyer of the provisions of this chapter shall be deemed contrary to public policy and shall be void and unenforceable.
AR Code § 4-94-106 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 94 - Health Spa Consumer Protection Act|§ 4-94-106. Registration statement

 (a) Any person, corporation, partnership, association, or group intending to open or operate a health spa shall file an annual registration statement with the office of the Secretary of State prior to the sale of any contracts for health spa services.  (b) The registration statement shall contain:  (1) The name and address of the health spa;  (2) The names and addresses of the officers, directors, and stockholders of the health spa and its parent corporation, if such entity exists; and  (3) The types of available facilities.
AR Code § 4-94-107 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 94 - Health Spa Consumer Protection Act|§ 4-94-107. Payment period

 No contract for health spa services shall require payments or financing by the buyer over a period in excess of twenty-five (25) months from the date the contract is entered into, nor shall the term of any contract be measured by or be for the life of the buyer; however, the availability of the health spa facilities to the buyer and under the contract may extend over a period not to exceed two (2) years from the date the contract is entered into, with the right to renew for additional periods of equal length.
AR Code § 4-94-108 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 94 - Health Spa Consumer Protection Act|§ 4-94-108. Time for performance

 (a) Every contract for health spa services to be rendered at an existing health spa facility shall provide that the performance of the agreed-upon services will begin within forty-five (45) days from the date the contract is entered into.  (b) Every contract for health spa services at a planned spa facility or spa facility under construction shall, at the option of the buyer, be voidable in the event that the health spa facilities and the agreed-upon services are not available within one hundred eighty (180) days from the date the contract is entered into.