reglab/housing_qa huggingface dataset:
MA Gen L ch 255d § 15 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255d - Retail Installment Sales and Services|Section 15 - Security Interest in Certain Goods; Prohibition

Section 15. No retail installment sale agreement shall provide for or create a security interest in (a) personal property other than the goods sold or worked on under a retail installment sale agreement unless such goods become affixed to such personal property; (b) after-acquired collateral other than accessions to the goods sold or worked on; or (c) goods subject to a prior retail installment sale agreement or agreements unless two or more such agreements are consolidated under a single agreement pursuant to section eighteen.  Any agreement made in violation of this section may be declared void by the supreme judicial or superior court in equity upon petition of the installment buyer.
MA Gen L ch 255d § 17 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255d - Retail Installment Sales and Services|Section 17 - Refinancing Agreements; Form and Contents

Section 17. A. A holder may by agreement with the buyer refinance the unpaid balance of a single retail installment sale agreement, refinancing agreement or consolidation agreement to provide for a new schedule of the times or amounts of the payments or both.  B. A refinancing agreement, as described in paragraph A shall be in writing, and shall be dated and signed by the parties, and  (1) May provide for a finance charge which shall not exceed the rates provided in section eleven applied to the sum of (a) the unpaid total of payments of the agreement being financed, less the refund credit for finance charge provided in section thirteen and (b) any additional cost for continuing insurance coverage under the agreement being refinanced and for official fees;  (2) Shall incorporate by reference the agreement being refinanced and shall clearly set forth and itemize the unpaid total of payments being refinanced, the refund credit, the amount to be refinanced, the finance charge, additional cost for insurance or official fees or both, the total sum payable under the refinancing agreement, the amounts and times of installment payments, annual percentage rate;  (3) Shall comply with the provisions of subsection A, clauses (1) through (5), inclusive, of subsection D, and subsection E of section nine, and of sections ten, eleven, twelve, thirteen, fifteen and twenty-one; and  (4) Shall not include within the amount financed, as defined by section one of chapter one hundred and forty D, any amounts representing the consideration for any transaction, retail installment sale, loan, or other extension of credit other than the retail installment sale then being refinanced.
MA Gen L ch 255d § 19 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255d - Retail Installment Sales and Services|Section 19 - Statement of Account; Contents

Section 19. A. Within six months after the execution of the retail installment sale agreement or revolving credit agreement and within every six-month period thereafter until the buyer has discharged all his obligations under the agreement, the holder shall send to the buyer upon request a statement of account which shall list the following items designated as such:  (1) The amounts paid by or on behalf of the buyer, setting forth any refund and any payment of charges for delinquencies, expenses of repossession and extensions, to the date of the statement of account;  (2) The amounts, if any, which have become due but remain unpaid, setting forth any charges for delinquencies, expenses of repossession and extensions;  (3) The number of installment payments and the dollar amount of each installment not due but still to be paid and the remaining period the agreement is to run.  B. The buyer shall be entitled to only one such statement in any six-month period free of charge. The holder shall be entitled to the sum of one dollar for each additional written statement requested by the buyer before supplying such additional written statement.  C. If the buyer requests information for income tax purposes as to the amount of the finance charges, the holder shall provide such information without charge once in every calendar year.
MA Gen L ch 255d § 20 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255d - Retail Installment Sales and Services|Section 20 - Delinquency and Collection Charge; Dishonored Check Charge

Section 20. The holder of a retail installment sale agreement may, if the agreement so provides, collect a delinquency and collection charge on each installment in default for a period of not less than fifteen days in an amount not in excess of five percent of each installment or five dollars, whichever is less, and assess and collect a charge, not to exceed ten dollars, for any check, draft or order for the payment of money submitted in accordance with said agreement which is returned unpaid or not honored by a bank or other depository.
MA Gen L ch 255d § 22a (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255d - Retail Installment Sales and Services|Section 22a - Avoidance of Chapter

Section 22A. No seller shall directly or indirectly in connection with the retail sale of goods or services, and for the purpose of evading any of the provisions of this chapter, arrange for a loan or aid or assist any buyer in obtaining a loan from any person, the proceeds of which are to be used in whole or in part for the purchase of such goods or services.
MA Gen L ch 255d § 24 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255d - Retail Installment Sales and Services|Section 24 - Waiver

Section 24. No act, agreement or statement of any buyer in any retail installment sale agreement or revolving credit agreement shall constitute a valid waiver of any benefit or protection afforded by the provisions of this chapter.
MA Gen L ch 255d § 25 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255d - Retail Installment Sales and Services|Section 25 - Application of This Chapter

Section 25. Any holder of a retail installment sale agreement, or of a note evidencing indebtedness arising out of such agreement, shall be subject to the provisions of this chapter.
MA Gen L ch 255d § 25a (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255d - Retail Installment Sales and Services|Section 25a - Holder of Agreement Subject to Buyer's Defenses Against Seller

Section 25A. The holder of a retail installment sale agreement, or other person acting in his behalf, shall be subject to all defenses, real and personal, which the installment buyer may have against the installment seller thereof.
MA Gen L ch 255d § 28 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255d - Retail Installment Sales and Services|Section 28 - Instruments Indicating Payment; Mailing to Buyer

Section 28. After payment of all sums for which the buyer is obligated under a retail installment sale agreement, if the notice of the security interest has been filed or recorded or if the buyer so requests, the holder of such contract shall mail to the buyer, at his last known address, good and sufficient instruments to indicate payment in full and to release all security in the collateral, if any.
MA Gen L ch 255d § 29 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255d - Retail Installment Sales and Services|Section 29 - Violation of Certain Provisions; Effect

Section 29. A. The violation of sections nine, ten, eleven, thirteen, fifteen, sixteen, seventeen, eighteen, twenty-six or twenty-seven by any person shall bar his recovery of any finance charge, delinquency or collection charge or refinancing charge on the retail installment sale agreement or on the revolving credit agreement, or on the sale pursuant to a revolving credit agreement, but such violation shall not bar his right to (a) recover from the buyer an amount equal to the unpaid principal balance or (b) repossess the goods and recover from the buyer an amount equal to the unpaid balance less the proceeds of any disposition of the goods.  B. Subsection A shall not apply to any violation which any holder shall establish by a preponderance of the evidence to be the result of accident or bona fide error in (a) any mathematical computation, (b) the layout or format, size of type or order of clauses contained in such retail installment sale or revolving credit agreement, or (c) the failure to furnish the buyer any statement required by section nineteen or by subsection D of section twenty-seven.  C. An agreement made by any person subject to this chapter which violates the provisions of this chapter may be declared void by the supreme judicial or superior court upon a civil action brought by the buyer.
MA Gen L ch 255d § 30 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255d - Retail Installment Sales and Services|Section 30 - Penalties

Section 30. Whoever violates any provision of this chapter shall be punished by a fine of not more than five hundred dollars or by imprisonment for not more than six months, or both.
MA Gen L ch 255d § 31 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255d - Retail Installment Sales and Services|Section 31 - Truth-in-Lending Act; Application

Section 31. A transaction subject to the provisions of this chapter shall also be subject to the provisions of chapter one hundred and forty D and a retail seller or holder subject to the provisions of this chapter shall be subject to the provisions of said chapter one hundred and forty D and in the event of a conflict between the provisions of this chapter and said chapter one hundred and forty D, the provisions of said chapter one hundred and forty D shall control.
MA Gen L ch 255d § 32 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255d - Retail Installment Sales and Services|Section 32 - Delivery of Notice

Section 32. Any notice required to be given under this chapter shall be deemed delivered when it is mailed by certified mail to the buyer.
MA Gen L ch 255e § 1 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255e - Licensing of Certain Mortgage Lenders and Brokers|Section 1 - Definitions

Section 1. As used in this chapter the following words shall, unless the context otherwise requires, have the following meanings:—  ''Bona fide nonprofit affordable homeownership organization'', a Massachusetts nonprofit corporation with a primary purpose of helping qualified low-income individuals build, repair and purchase affordable housing and meets the definition of ''bona fide nonprofit organization'' set forth in 12 CFR Part 1008.103(e)(7)(ii).  ''Commissioner'', the commissioner of banks.  ''Instrumentality created by the United States or any state'', a federal, state, municipal government, quasi-governmental entity or a nonprofit agency or corporation incorporated under the laws of the commonwealth that has a tax exempt status granted under the provisions of section 501(c)(3) of the federal Internal Revenue Code, which exclusively makes or issues commitments for mortgage loans on residential property to be financed with public funds, or negotiates, places, assists in the placement of, finds, or offers to negotiate, place, assist in the placement of or find mortgage loans on residential property to be financed with public funds only under a contract with a federal, state, or municipal government, any instrumentality thereof or any quasi-governmental entity as determined by the commissioner. The making of a mortgage loan shall include being named as the lender or mortgagee on the note, mortgage or other loan documents.  ''Mortgage broker'', any person who for compensation or gain, or in the expectation of compensation or gain, directly or indirectly negotiates, places, assists in placement, finds or offers to negotiate, place, assist in placement or find mortgage loans on residential property for others.  ''Mortgage lender'', any person engaged in the business of making mortgage loans, or issuing commitments for mortgage loans.  ''Mortgage loan'', a loan to a natural person made primarily for personal, family or household purposes secured wholly or partially by a mortgage on residential property.  ''Multi-state licensing system'', a system involving 1 or more states, the District of Columbia, or the Commonwealth of Puerto Rico for the sharing of regulatory information and the licensing and application processes, by electronic or other means, for mortgage lenders and mortgage brokers.  ''Residential property'', real property located in the commonwealth having thereon a dwelling house with accommodations for four or less separate households and occupied, or to be occupied, in whole or in part by the obligor on the mortgage debt.
MA Gen L ch 255e § 3 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255e - Licensing of Certain Mortgage Lenders and Brokers|Section 3 - License Application; Multi-State Licensing System

Section 3. The application for a license shall be in a form prescribed by the commissioner and shall contain the name and address or addresses where the business of the applicant is located and if the applicant is a partnership, association, corporation, or other form of business organization, the names and addresses of each member, director, principal officer thereof, and any individual acting as a manager of an office location. Such application shall also include a description of the activities of the applicant, in such detail and for such periods as the commissioner may require, as well as such further information as the commissioner may require. The commissioner may require a background investigation of each applicant for a mortgage broker or mortgage lender license by means of fingerprint checks by the department of criminal justice information services pursuant to section 172 of chapter 6, and the Federal Bureau of Investigation for state and national criminal history record checks. If the applicant is a partnership, association, corporation or other form of business organization, the commissioner may require such background investigation by means of fingerprint checks on each member, director, principal officer of such applicant, and any individual acting as a manager of an office location. Receipt of criminal history record information by a private entity shall be prohibited. Each application for a license shall be accompanied by an investigation fee. Investigation and license fees shall be determined annually by the commissioner of administration under section 3B of chapter 7.  The commissioner may participate in a multi-state licensing system for mortgage lenders and mortgage brokers. The commissioner may establish requirements for participation by an applicant in a multi-state licensing system which may vary from the provisions set out in sections 3 and 5. The applicant shall pay directly to such multi-state licensing system any additional fee relating to participation in such multi-state licensing system. The commissioner shall ensure that the multi-state licensing system adopts appropriate privacy, data security and security breach notification policies. Upon written request, the commissioner shall make available within 30 days, a copy of the contract between the division and the multi-state licensing system that satisfies this section.
MA Gen L ch 255e § 4 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255e - Licensing of Certain Mortgage Lenders and Brokers|Section 4 - Issuance of License by Commissioner; Notice of License Denial; Appeal

Section 4. Upon the filing of an application for a license, if the commissioner finds that the financial responsibility, character, reputation, integrity and general fitness of the applicant, and of the partners or members thereof if the applicant is a partnership or association, and of the officers, directors and principal employees if the applicant is a corporation, are such as to warrant belief that the business will be operated honestly, fairly, soundly and efficiently in the public interest consistent with the purposes of this chapter, he shall thereupon issue the applicant a license to engage in the business of a mortgage lender or mortgage broker. If the commissioner shall not so find, he shall not issue a license and he shall notify the applicant of the denial. Within twenty days thereafter, he shall enter upon his records a written decision and findings containing the reasons supporting the denial and shall forthwith give written notice thereof by registered mail to the applicant. Within thirty days after the date of such notice, the applicant may appeal from such denial to the superior court for Suffolk county, sitting in equity. The court shall hear all pertinent evidence and determine the facts and upon the facts as so determined, review said denial and, as justice and equity may require, affirm the same or order the commissioner to issue such license. The commissioner shall approve or deny every application for a license within ninety days after the filing thereof, but any failure of the commissioner to act within such period shall not be deemed to be an approval of any such application.
MA Gen L ch 255e § 5 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255e - Licensing of Certain Mortgage Lenders and Brokers|Section 5 - Information on License; Changes; Notice Requirements

Section 5. Each license shall state the address at which the business is to be conducted and shall state the name of the licensee. If a licensee intends to carry on such business at any place in addition to the address on the license, he shall so notify the commissioner, in writing, at least 30 days prior thereto, and he shall pay a fee for such additional location at a reasonable cost as determined by the commissioner. Such notice shall contain the address of any such additional location and such other information as the commissioner may require; provided, however, that any such business shall at all times be conducted in the name of the licensee as it appears on the license. A copy of such license shall be prominently posted in each place of business of the licensee. Such copies for places of business at addresses other than that appearing on the license may be obtained at a reasonable cost, as determined by the commissioner. Such license shall not be transferable or assignable and shall expire annually on a date determined by the commissioner. Any change of location or closing of a place of business of the licensee, either at the address stated on the license or at a place other than said address stated on the license, shall require prior written notice thereof to the commissioner. Such notice shall be in writing setting forth the reason therefor and shall be filed with the commissioner at least thirty days prior to any such relocation or closing. If there shall be any change among the members, officers, partners or directors of any licensee, the licensee shall notify the commissioner in a timely manner of the name, address and occupation of each new member, officer, partner or director, and provide such other information as the commissioner may require.
MA Gen L ch 255e § 6 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255e - Licensing of Certain Mortgage Lenders and Brokers|Section 6 - License Suspension or Revocation; Notice and Hearing

Section 6. The commissioner may suspend or revoke any license issued pursuant to this chapter if said commissioner finds that:  (i) the licensee has violated any provision of this chapter or any rule or regulation adopted hereunder, or any other law applicable to the conduct of its business; or  (ii) any fact or condition exists which, if it had existed at the time of the original application for such license, would have warranted the commissioner in refusing to issue such license.  Except as provided in section seven, no license shall be revoked or suspended except after notice and a hearing thereon pursuant to chapter thirty A.  A licensee may surrender a license by delivering to the commissioner written notice that it thereby surrenders such license, but such surrender shall not affect the civil or criminal liability of the licensee for acts committed before such surrender.  No revocation, suspension or surrender of any license shall impair or affect the obligation of any pre-existing lawful contract between the licensee and any person.