reglab/housing_qa huggingface dataset:
MD. Financial Institutions Code Ann. §  12-107 (2021)
2021 Maryland Statutes|Financial Institutions|Title 12 - Miscellaneous Institutions and Activities|Subtitle 1 - Check Cashing Services|Section 12-107 - Licensing -- Fingerprints; Criminal History Records Check

    (a)    In connection with an initial application for a license under this subtitle, and at any other time the Commissioner requires, an applicant or licensee shall provide fingerprints, as directed by the Commissioner, to NMLS for use by the Federal Bureau of Investigation to conduct a criminal history records check.    (b)    An applicant or licensee required under this section to provide fingerprints shall pay any processing or other required fee.    (c)    If the applicant or licensee is a corporation, the fingerprinting and criminal history records check requirements shall apply to the president, and any other officer, director, principal, or owner of the corporation as required by the Commissioner.
MD. Financial Institutions Code Ann. §  12-107.1 (2021)
2021 Maryland Statutes|Financial Institutions|Title 12 - Miscellaneous Institutions and Activities|Subtitle 1 - Check Cashing Services|Section 12-107.1 - Confidentiality of Information

    (a)    (1)    The requirements under any federal law and Title 4, Subtitles 1 through 5 of the General Provisions Article regarding the privacy or confidentiality of information or material provided to NMLS, and any privilege arising under federal or state law, including the rules of any federal or state court with respect to that information or material, shall continue to apply to that information or material after the information or material has been disclosed to NMLS.        (2)    The information and material may be shared with all state and federal regulatory officials having oversight authority over persons required to be licensed under this subtitle, including the Financial Crimes Enforcement Network and the Office of Foreign Assets Control, and any successor to these agencies, without the loss of privilege or the loss of confidentiality protections provided by federal law or Title 4, Subtitles 1 through 5 of the General Provisions Article.    (b)    Information or material that is subject to a privilege or confidentiality under subsection (a) of this section may not be subject to:        (1)    Disclosure under any federal or state law governing the disclosure to the public of information held by an officer or agency of the federal government or a state that has received the information or material; or        (2)    Subpoena, discovery, or admission into evidence, in any private civil litigation or administrative process, unless, with respect to any privilege held by NMLS, the person to whom the information or material pertains waives, in whole or in part, that privilege.    (c)    Any provisions of Title 4, Subtitles 1 through 5 of the General Provisions Article relating to the disclosure of any information or material described in subsection (a) of this section that are inconsistent with subsection (a) of this section shall be superseded by the requirements of this section.    (d)    This section does not apply to information or material relating to publicly adjudicated disciplinary and enforcement actions against a person required to be licensed under this subtitle that is included in NMLS and designated for access by the public.
MD. Financial Institutions Code Ann. §  12-108 (2021)
2021 Maryland Statutes|Financial Institutions|Title 12 - Miscellaneous Institutions and Activities|Subtitle 1 - Check Cashing Services|Section 12-108 - Licensing -- Applications

    (a)    (1)    To apply for a license, an applicant shall:            (i)    Complete, sign, and submit to the Commissioner an application made under oath in the form, and in accordance with the process, that the Commissioner requires; and            (ii)    Provide all the information that the Commissioner requests.        (2)    The application shall include:            (i)    The applicant’s name, the applicant’s principal executive office address, and, if the applicant is not an individual, the name and residence address of each control person;            (ii)    The address of each branch location, if any;            (iii)    If the license is for a mobile unit, the vehicle identification number of the mobile unit and the geographic area in which the mobile unit will be operating; and            (iv)    Any other information that the Commissioner requires for an investigation and findings under § 12–109 of this subtitle.    (b)    With the application, the applicant shall pay to the Commissioner:        (1)    An investigation fee of $100; and        (2)    A license fee of $500.    (c)    For the principal executive office, each branch location, and each mobile unit license for which an applicant applies, the applicant shall:        (1)    Submit a separate application; and        (2)    Pay a separate investigation fee and license fee.
MD. Financial Institutions Code Ann. §  12-109 (2021)
2021 Maryland Statutes|Financial Institutions|Title 12 - Miscellaneous Institutions and Activities|Subtitle 1 - Check Cashing Services|Section 12-109 - Licensing -- Application Investigation; Approval or Denial

    (a)    When an applicant for a license files the application and pays the fees required by § 12–108 of this subtitle, the Commissioner shall investigate the facts relevant to the application to determine if the applicant meets the requirements of this subtitle.    (b)    Unless the Commissioner and an applicant agree in writing to extend the time, the Commissioner shall approve or deny each application for a license within 60 days after the date on which the complete application is filed and the fees are paid.    (c)    The Commissioner shall issue a license to any applicant who meets the requirements of this subtitle.    (d)    (1)    If an applicant does not meet the requirements of this subtitle, the Commissioner shall:            (i)    Deny the application;            (ii)    Notify the applicant immediately of the denial;            (iii)    Refund the license fee; and            (iv)    Retain the investigation fee.        (2)    (i)    Within 10 days after the Commissioner denies an application, the Commissioner shall send a written notice to the applicant stating the reasons for the denial.            (ii)    The notice shall be sent by United States mail, e–mail, or any means provided through NMLS to the address listed in the application.
MD. Financial Institutions Code Ann. §  12-110 (2021)
2021 Maryland Statutes|Financial Institutions|Title 12 - Miscellaneous Institutions and Activities|Subtitle 1 - Check Cashing Services|Section 12-110 - Licensing -- Contents and Scope; More Than One License

    (a)    The Commissioner shall include on each license:        (1)    The name of the licensee;        (2)    (i)    The address of the location at which check cashing services will be provided; or            (ii)    If the license is for a mobile unit, the vehicle identification number of the mobile unit and the geographic area in which check cashing services will be provided; and        (3)    The license number and unique identifier of the licensee.    (b)    (1)    A license authorizes the licensee to provide check cashing services under the name stated on the license and at the location at which, or if the license is for a mobile unit the geographic area in which, check cashing services will be provided.        (2)    Only one location, or one mobile unit, may be maintained under any one license.    (c)    Subject to § 12–105(b) of this subtitle, the Commissioner may issue more than one license to an applicant who:        (1)    Conducts activities for which a license is required at more than one location;        (2)    Complies with § 12–108 of this subtitle; and        (3)    Otherwise meets the requirements of this subtitle.
MD. Financial Institutions Code Ann. §  12-110.1 (2021)
2021 Maryland Statutes|Financial Institutions|Title 12 - Miscellaneous Institutions and Activities|Subtitle 1 - Check Cashing Services|Section 12-110.1 - Surrender of License

    (a)    A licensee may surrender a license by sending to the Commissioner, in the form and in accordance with the process that the Commissioner requires, a statement that the license is surrendered.    (b)    If a license is surrendered voluntarily, or is suspended or revoked, the Commissioner may not refund any part of the license fee regardless of the time remaining in the license term.    (c)    The surrender of a license does not affect any civil or criminal liability of the licensee for acts committed before the license was surrendered.
MD. Financial Institutions Code Ann. §  12-111 (2021)
2021 Maryland Statutes|Financial Institutions|Title 12 - Miscellaneous Institutions and Activities|Subtitle 1 - Check Cashing Services|Section 12-111 - Licensing -- Term, Expiration, and Renewal

    (a)    An initial license term shall:        (1)    Begin on the date the license is issued; and        (2)    Expire on December 31 of the year:            (i)    In which the license is issued, if the license is issued before November 1; or            (ii)    Immediately following the year in which the license is issued, if the license is issued on or after November 1.    (b)    On or after November 1 of the year a license expires, the license may be renewed for an additional 1–year term, if the licensee:        (1)    Otherwise is entitled to be licensed;        (2)    Pays to the Commissioner a renewal fee of $500; and        (3)    Submits to the Commissioner a renewal application in the form, and in accordance with the process, that the Commissioner requires.    (c)    The Commissioner shall determine if the requirements of § 12–106 of this subtitle to qualify for a license continue to apply.    (d)    To the extent required or permitted by NMLS, the Commissioner may determine that licenses issued under this subtitle shall expire on a staggered basis.    (e)    A licensee may not renew a license unless, before the submission of the license renewal application, the licensee has transferred the licensee’s licensing information to NMLS in accordance with § 12–105(c) of this subtitle.
MD. Financial Institutions Code Ann. §  12-112 (2021)
2021 Maryland Statutes|Financial Institutions|Title 12 - Miscellaneous Institutions and Activities|Subtitle 1 - Check Cashing Services|Section 12-112 - Licensing -- Transfer and Display

    (a)    A license is not transferable.    (b)    A licensee shall display the license conspicuously at the licensee’s licensed location or mobile unit.
MD. Financial Institutions Code Ann. §  12-113 (2021)
2021 Maryland Statutes|Financial Institutions|Title 12 - Miscellaneous Institutions and Activities|Subtitle 1 - Check Cashing Services|Section 12-113 - Change of Location

    (a)    A licensee may not change the location for which a license is issued unless the licensee:        (1)    Provides to the Commissioner, in the form and in accordance with the process that the Commissioner requires, notice of the proposed change; and        (2)    Receives the written consent of the Commissioner by United States mail, e–mail, or any means provided through NMLS prior to the change.    (b)    If the Commissioner consents to a proposed change of location, the Commissioner shall send the licensee an amended license.
MD. Financial Institutions Code Ann. §  12-114 (2021)
2021 Maryland Statutes|Financial Institutions|Title 12 - Miscellaneous Institutions and Activities|Subtitle 1 - Check Cashing Services|Section 12-114 - Books and Records -- Retention

    (a)    A licensee shall keep the books and records that the Commissioner requires to determine compliance with this subtitle.    (b)    Unless a longer period is expressly required by State or federal law, a licensee shall retain the records required under this subtitle for a period of at least 2 years.    (c)    A licensee may retain the records required under this subtitle at any location, provided that the licensee:        (1)    Notifies the Commissioner in writing of the location of the records; and        (2)    Makes the records available at a place of business for which a license has been issued or at the licensee’s principal place of business, as agreed by the Commissioner and the licensee, within 7 days of a written request for examination by the Commissioner.    (d)    In addition to any other books and records that the Commissioner may require, a licensee shall retain:        (1)    A chronological register of all payment instruments cashed by the licensee showing:            (i)    The name of the customer;            (ii)    The transaction date;            (iii)    The type and amount of payment instrument;            (iv)    The amount of fee charged; and            (v)    A complete description of the identification presented by the customer; and        (2)    The licensee’s bank statements and canceled checks.    (e)    A licensee shall retain the records required under this section in one of the following ways:        (1)    Original form;        (2)    An electronic equivalent approved by the Commissioner; or        (3)    A microphotographic copy approved by the Commissioner.
MD. Financial Institutions Code Ann. §  12-115 (2021)
2021 Maryland Statutes|Financial Institutions|Title 12 - Miscellaneous Institutions and Activities|Subtitle 1 - Check Cashing Services|Section 12-115 - Books and Records -- Investigation of Records

    (a)    At any time and as often as the Commissioner considers appropriate, the Commissioner may investigate the records and business operations of a licensee or a person who acts on behalf of a licensee.    (b)    For the purposes of this section, the Commissioner:        (1)    Shall be given access to any books, papers, records, safes, or vaults of the person under investigation; and        (2)    May examine under oath a person whose testimony the Commissioner requires.
MD. Financial Institutions Code Ann. §  12-116 (2021)
2021 Maryland Statutes|Financial Institutions|Title 12 - Miscellaneous Institutions and Activities|Subtitle 1 - Check Cashing Services|Section 12-116 - Endorsement of Payment Instrument

    Before a licensee deposits a payment instrument in or presents a payment instrument to a financial institution, the licensee shall endorse the payment instrument with the name under which the licensee is licensed to provide check cashing services.
MD. Financial Institutions Code Ann. §  12-117 (2021)
2021 Maryland Statutes|Financial Institutions|Title 12 - Miscellaneous Institutions and Activities|Subtitle 1 - Check Cashing Services|Section 12-117 - Compliance With Federal and State Laws

    A licensee shall comply with all federal and State laws concerning money laundering.
MD. Financial Institutions Code Ann. §  12-118 (2021)
2021 Maryland Statutes|Financial Institutions|Title 12 - Miscellaneous Institutions and Activities|Subtitle 1 - Check Cashing Services|Section 12-118 - Posting of Fees

    A licensee shall conspicuously post, in 48 point or larger type, at each place of business at which, or mobile unit from which, the licensee provides check cashing services:         (1)    A notice of the fees for check cashing services; and        (2)    The phone number of the Commissioner for customers to file complaints.
MD. Financial Institutions Code Ann. §  12-119 (2021)
2021 Maryland Statutes|Financial Institutions|Title 12 - Miscellaneous Institutions and Activities|Subtitle 1 - Check Cashing Services|Section 12-119 - Payment of Instrument; Forms of Customer Identification

    (a)    A licensee shall pay a customer, in United States currency, the face amount of the payment instrument received less the fee charged.    (b)    (1)    A licensee may not provide check cashing services to a customer unless the customer presents a form of customarily acceptable identification.        (2)    Acceptable forms of identification include:            (i)    A valid driver’s license with photograph issued by a state government;            (ii)    A valid identity card with photograph issued by a state government;            (iii)    A valid United States passport or alien registration card; and            (iv)    A valid military identification card.
MD. Financial Institutions Code Ann. §  12-120 (2021)
2021 Maryland Statutes|Financial Institutions|Title 12 - Miscellaneous Institutions and Activities|Subtitle 1 - Check Cashing Services|Section 12-120 - Maximum Fees; Membership Fee

    (a)    Except as provided in § 15-802(b) of the Commercial Law Article and subsection (b) of this section, a licensee may not charge any other fee, including late fees or other service fees, for accepting or cashing a payment instrument in excess of the greater of:        (1)    2% of the face amount of the payment instrument or $3, if the payment instrument is issued by the federal government or a state or local government;        (2)    10% of the face amount of a payment instrument or $5, if the payment instrument is a personal check; or        (3)    4% of the face amount of the payment instrument or $5, for any other payment instrument.    (b)    A licensee may charge a customer a one-time membership fee not to exceed $5.
MD. Financial Institutions Code Ann. §  12-121 (2021)
2021 Maryland Statutes|Financial Institutions|Title 12 - Miscellaneous Institutions and Activities|Subtitle 1 - Check Cashing Services|Section 12-121 - Cease and Desist Orders

    Subject to the hearing provisions of § 12–123 of this subtitle, the Commissioner may order a licensee or registrant to cease and desist from a course of conduct if the course of conduct results in an evasion or violation of this subtitle or a regulation adopted under this subtitle.
MD. Financial Institutions Code Ann. §  12-122 (2021)
2021 Maryland Statutes|Financial Institutions|Title 12 - Miscellaneous Institutions and Activities|Subtitle 1 - Check Cashing Services|Section 12-122 - Suspension and Revocation of License

    (a)    Subject to the hearing provisions of § 12–123 of this subtitle, the Commissioner may suspend or revoke the license of any licensee or registration of any registrant if the licensee or registrant, or any owner, director, officer, member, partner, stockholder, employee, or agent of the licensee or registrant:        (1)    Makes any material misstatement in an application for a license or registration;        (2)    Is convicted under the laws of the United States or of any other state of:            (i)    A felony; or            (ii)    A misdemeanor that is directly related to the fitness and qualification of the person to provide check cashing services;        (3)    In connection with any check cashing service:            (i)    Commits any fraud;            (ii)    Engages in any illegal or dishonest activities; or            (iii)    Misrepresents or fails to disclose any material facts to anyone entitled to that information;        (4)    Violates any provision of this subtitle or any rule or regulation adopted under this subtitle, or any other law regulating check cashing services in the State; or        (5)    Otherwise demonstrates unworthiness, bad faith, dishonesty, or any other quality that indicates that the business of the licensee or registrant has not been or will not be conducted honestly, fairly, equitably, and efficiently.    (b)    In determining whether the license of the licensee or registration of the registrant should be suspended or revoked for a reason listed in subsection (a)(2) of this section, the Commissioner shall consider:        (1)    The nature of the crime;        (2)    The relationship of the crime to the activities authorized by the license or registration;        (3)    With respect to a felony, the relevance of the conviction to the fitness and qualification of the licensee or registrant to provide check cashing services;        (4)    The length of time since the conviction; and        (5)    The behavior and activities of the licensee or registrant since the conviction.
MD. Financial Institutions Code Ann. §  12-123 (2021)
2021 Maryland Statutes|Financial Institutions|Title 12 - Miscellaneous Institutions and Activities|Subtitle 1 - Check Cashing Services|Section 12-123 - Notice and Hearing Requirements

    (a)    Before the Commissioner takes any action under § 12–121, § 12–122, or § 12–126 of this subtitle, the Commissioner shall give the licensee or registrant an opportunity for a hearing before the Commissioner.    (b)    Notice of the hearing shall be given and the hearing shall be held in accordance with Title 10, Subtitle 2 of the State Government Article.
MD. Financial Institutions Code Ann. §  12-124 (2021)
2021 Maryland Statutes|Financial Institutions|Title 12 - Miscellaneous Institutions and Activities|Subtitle 1 - Check Cashing Services|Section 12-124 - Report of Alleged Criminal Violation

    The Commissioner shall report to the appropriate State’s Attorney or the Attorney General any alleged criminal violation of this subtitle.
MD. Financial Institutions Code Ann. §  12-125 (2021)
2021 Maryland Statutes|Financial Institutions|Title 12 - Miscellaneous Institutions and Activities|Subtitle 1 - Check Cashing Services|Section 12-125 - Criminal Penalties

    A person who knowingly violates this subtitle is guilty of a misdemeanor and on conviction is subject to a fine not exceeding $5,000 or imprisonment not exceeding 3 years or both.
MD. Financial Institutions Code Ann. §  12-126 (2021)
2021 Maryland Statutes|Financial Institutions|Title 12 - Miscellaneous Institutions and Activities|Subtitle 1 - Check Cashing Services|Section 12-126 - Civil Penalties

    (a)    The Commissioner may impose a civil penalty against a person who violates this subtitle in an amount not exceeding:        (1)    $10,000 for a first offense; and        (2)    $25,000 for each subsequent offense.    (b)    In determining the amount of civil penalty to be imposed under subsection (a) of this section, the Commissioner shall consider the following:        (1)    The seriousness of the violation;        (2)    The good faith of the violator;        (3)    The violator’s history of previous violations;        (4)    The deleterious effect of the violation on the public;        (5)    The assets of the violator; and        (6)    Any other factor relevant to the determination of the civil penalty.
MD. Financial Institutions Code Ann. §  12-127 (2021)
2021 Maryland Statutes|Financial Institutions|Title 12 - Miscellaneous Institutions and Activities|Subtitle 1 - Check Cashing Services|Section 12-127 - Action for Damages or Injunctive Relief; Award Amounts

    (a)    A person who is injured by a violation of this subtitle may file an action to recover damages or for injunctive relief.    (b)    A court may award a prevailing plaintiff under this section:        (1)    Up to 3 times the amount of actual damages; and        (2)    An amount at least equal to the amount paid by the plaintiff to the defendant, reasonable attorney’s fees, and costs.