reglab/housing_qa huggingface dataset:
RI Gen L § 6-26-6 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-26 - Interest and Usury|Section 6-26-6 - Damages and interest on foreign protested bill of exchange.

§ 6-26-6. Damages and interest on foreign protested bill of exchange.Whenever any foreign bill of exchange is or shall be drawn or endorsed within this state for the payment of any sum of money, and the bill is or shall be returned from any place or country outside the limits of the United States protested for nonacceptance or nonpayment, the drawer or endorser shall be subject to the payment of ten percent (10%) damages on the bill and charges for protest and the bill shall carry an interest of six percent (6%) per annum from the date of the protest.History of Section.G.L. 1896, ch. 166, § 1; G.L. 1909, ch. 201, § 1; G.L. 1923, ch. 228, § 1; G.L. 1938, ch. 456, § 1; G.L. 1956, § 6-23-1; P.L. 2014, ch. 528, § 15.
RI Gen L § 6-26-7 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-26 - Interest and Usury|Section 6-26-7 - Action on foreign protested bill.

§ 6-26-7. Action on foreign protested bill.Any person having a right to demand any sum of money upon a foreign protested bill of exchange as stated in § 6-26-6 may commence and prosecute an action for principal, damages, interest, and charges of protest against the drawers and endorsers, jointly or severally, or against either of them separately; and judgment shall and may be given for the principal, damages, charges, and interest upon the principal after the rate established in § 6-26-6, to the time of the judgment, together with costs of suit.History of Section.G.L. 1896, ch. 166, § 2; G.L. 1909, ch. 201, § 2; G.L. 1923, ch. 228, § 2; G.L. 1938, ch. 456, § 2; G.L. 1956, § 6-23-2; P.L. 2001, ch. 86, § 19; P.L. 2014, ch. 528, § 15.
RI Gen L § 6-26-8 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-26 - Interest and Usury|Section 6-26-8 - Damages and interest on inland protested bill.

§ 6-26-8. Damages and interest on inland protested bill.Whenever any inland bill of exchange shall be drawn or endorsed within this state for the payment of any sum of money outside this state, and the bill shall be protested for nonacceptance or nonpayment, the drawer or endorser shall be subject to the payment of five percent (5%) damages on the bill and charges of protest, and the bill shall carry an interest of six percent (6%) per annum from the date of the protest.History of Section.G.L. 1896, ch. 166, § 3; G.L. 1909, ch. 201, § 3; G.L. 1923, ch. 228, § 3; G.L. 1938, ch. 456, § 3; G.L. 1956, § 6-23-3.
RI Gen L § 6-26-9 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-26 - Interest and Usury|Section 6-26-9 - Penalty for possession of records of usurious transactions.

§ 6-26-9. Penalty for possession of records of usurious transactions.Any person who shall, with knowledge of the contents, have in his or her possession any document, record, paper, instrument, or other writing that shall record or evidence a usurious debt in violation of the provisions of § 6-26-2, shall be imprisoned for not more than one year or fined not more than five hundred dollars ($500), or both.History of Section.P.L. 1970, ch. 263, § 2.
RI Gen L § 6-26-10 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-26 - Interest and Usury|Section 6-26-10 - Possession of usury records - Evidence of knowledge.

§ 6-26-10. Possession of usury records — Evidence of knowledge.The possession by any person, other than a public official in the course of his or her duty, of any document, record, paper, instrument, or other writing that shall record or evidence a usurious debt in violation of § 6-26-2 shall be presumptive evidence of possession with knowledge of its contents in violation of § 6-26-9.History of Section.P.L. 1970, ch. 263, § 2.
RI Gen L § 6-26.1-1 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-26.1 - Credit Card Lending|Section 6-26.1-1 - Definitions.

§ 6-26.1-1. Definitions.For purposes of this chapter, the following definitions shall apply:(1) "Credit card device" includes any means of making a credit card transaction available to a borrower pursuant to a credit card plan, including, but not limited to, a card, draft or check, identification code, other means of identification, or other credit device or code, whether made directly or indirectly by means of telephone, point of sale terminal, automated teller machine, computer or other electronic or other communication or device, or through the mail.(2) "Credit card lender" or "lender" means any entity that is a lending institution as defined by § 19-9-1, or licensee as defined by § 19-14-1, that offers or extends credit in the form of a credit card transaction.(3) "Credit card transaction" means any loan or extension of credit made pursuant to a credit card plan. Without limitation of the foregoing, a credit card transaction may be extended under a credit card plan by a credit card lender's acquisition of obligations arising out of the honoring by a merchant or other third-party; a credit card lender or other financial institution (whether chartered or organized under the laws of this or any other state, the District of Columbia, the United States or any district, territory or possession of the United States, or any foreign country); or a government or governmental subdivision or agency of a credit card device.(4) "Credit card plan" or "plan" means any arrangement or plan between a borrower and a credit card lender for open-end, revolving extensions of credit made available through a credit card device, provided, however, said "credit card plan" or "plan" does not include an extension of credit the repayment of which is secured by real property.History of Section.P.L. 2003, ch. 237, § 1; P.L. 2014, ch. 528, § 16.
RI Gen L § 6-26.1-2 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-26.1 - Credit Card Lending|Section 6-26.1-2 - Authorization to make loans - Usury.

§ 6-26.1-2. Authorization to make loans — Usury.Any credit card lender may, subject to any limitations on lending authorities contained in its charter or otherwise imposed by law, offer and extend credit to a borrower and in connection with the credit may charge and collect interest, interest fees, and charges, and other charges permitted by this chapter and may take any security as collateral in connection with it that may be acceptable to the credit card lender.History of Section.P.L. 2003, ch. 237, § 1; P.L. 2014, ch. 528, § 16.
RI Gen L § 6-26.1-3 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-26.1 - Credit Card Lending|Section 6-26.1-3 - Variable rates.

§ 6-26.1-3. Variable rates.If the agreement governing a credit card plan so provides, the periodic percentage rate or rates of interest under the plan may vary in accordance with a schedule or formula. The periodic rate or rates may vary from time to time as the rate determined in accordance with the schedule or formula varies and the periodic rate or rates, as so varied, may be made applicable to all or any part of outstanding, unpaid indebtedness under the plan on or after the first day of the billing cycle that contains the effective date of the variation, including any indebtedness arising out of purchases made or loans obtained prior to the variation in the periodic percentage rate or rates. Without limitation, a permissible schedule or formula pursuant to this section may include provisions in the agreement governing the plan for a change in the periodic percentage rate or rates of interest applicable to all or any part of outstanding unpaid indebtedness, whether by variation of the then-applicable periodic percentage rate or rates of interest; variation of an index or margin; or otherwise contingent upon the happening of any event or circumstance specified in the plan, which event or circumstance may include, but not be limited to, the failure of the borrower to perform in accordance with the terms of the plan.History of Section.P.L. 2003, ch. 237, § 1; P.L. 2014, ch. 528, § 16.
RI Gen L § 6-26.1-4 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-26.1 - Credit Card Lending|Section 6-26.1-4 - Interest.

§ 6-26.1-4. Interest.A credit card lender may charge and collect interest under a credit card plan on outstanding unpaid indebtedness in the borrower's account under the plan at any daily, weekly, monthly, annual, or other periodic percentage rate or rates that the agreement governing the plan provides or as established in the manner provided in the agreement governing the plan. If the agreement governing the plan so provides, the outstanding unpaid indebtedness may include the amount of any interest, interest fees and charges, and other charges outstanding. Interest may be calculated using an average daily balance; two-cycle, average daily balance; adjusted balance; previous balance method; or using any other balance computation method provided for in the agreement governing the plan. Credit card transactions may be included in the outstanding unpaid indebtedness as of any time as may be specified in the agreement governing the plan. Periodic billing cycles may be established in any manner and shall have the duration that may be specified in the agreement governing the plan.History of Section.P.L. 2003, ch. 237, § 1; P.L. 2014, ch. 528, § 16.
RI Gen L § 6-26.1-5 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-26.1 - Credit Card Lending|Section 6-26.1-5 - Interest fees and charges.

§ 6-26.1-5. Interest fees and charges.(a) In addition to, or in lieu of, interest at a periodic percentage rate or rates as provided in § 6-26.1-4, a credit card lender may, if the agreement governing the credit card plan so provides, charge and collect, as interest, in any manner or form that the plan may provide, one or more of the following:(1) Daily, weekly, monthly, annual, or other periodic charges in any amount or amounts that the agreement may provide for the privileges made available to the borrower under the plan;(2) A transaction charge or charges in any amount or amounts that the agreement may provide for each separate purchase, loan, or other transaction under the plan;(3) A minimum charge for each daily, weekly, monthly, annual or other scheduled billing period under the plan during any portion of which there is an outstanding unpaid indebtedness under the plan;(4) Reasonable fees for services rendered or for reimbursement of expenses incurred in good faith by the credit card lender or its agents in connection with the plan, or other reasonable fees incident to the application for and the opening, administration and termination of a plan including, without limitation, commitment, application and processing fees; official fees and taxes; costs incurred by reason of examination of title, inspection, appraisal, recording, mortgage satisfaction, or other formal acts necessary or appropriate to the security for the plan; and filing fees;(5) Returned payment charges or charges imposed for the return of a draft or check drawn on a credit card plan evidencing an extension of credit under the plan;(6) Documentary evidence charges;(7) Stop payment fees;(8) Overlimit charges;(9) Automated teller machine charges or other electronic or interchange fees or charges;(10) Prepayment charges authorized under subsection (b) of this section; and(11) Subject to any limitations contained in this chapter, any other fees and charges that are set forth in the agreement governing the plan.(b) An individual borrower may pay the outstanding unpaid indebtedness charged to the borrower's account under a plan in full at any time. Except for a charge imposed to terminate a plan if the agreement governing the plan so provides, a credit card lender may not impose any prepayment charge in connection with the payment of outstanding unpaid indebtedness in full by an individual borrower. The terms of prepayment of the outstanding unpaid indebtedness relating to a credit card plan involving a borrower other than an individual borrower shall be as the lender and the borrower may agree.(c) No charges assessed in accordance with this section shall be deemed void as a penalty or otherwise unenforceable under any statute or the common law.History of Section.P.L. 2003, ch. 237, § 1; P.L. 2014, ch. 528, § 16.
RI Gen L § 6-26.1-6 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-26.1 - Credit Card Lending|Section 6-26.1-6 - Overdraft accounts.

§ 6-26.1-6. Overdraft accounts.If credit under a credit card plan is offered and extended in connection with a demand deposit account or other transaction account maintained by the borrower pursuant to an agreement or arrangement whereby the holder of the deposit account agrees to honor checks, drafts or other debits to the account, which if paid would create or increase a negative balance in the account, by making extensions of credit to the borrower under the credit card plan, any charges customarily imposed under the terms governing the demand deposit or other transaction account in the absence of any associated credit card plan (including, without limitation, check charges, monthly maintenance charges, checkbook charges, charges for checks drawn on funds in excess of an available line of credit and other similar charges) may continue to be imposed on the account without specific reference to it or incorporation of it by reference in the agreement governing the credit card plan and the amount of the charge, to the extent the balance in the demand deposit or other transaction account is insufficient to pay such a charge, may be charged to the borrower's account under the plan as a loan under it and may be included in outstanding unpaid indebtedness in accordance with the terms of the agreement governing the credit card plan.History of Section.P.L. 2003, ch. 237, § 1.
RI Gen L § 6-26.1-7 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-26.1 - Credit Card Lending|Section 6-26.1-7 - Omitted installments.

§ 6-26.1-7. Omitted installments.A credit card lender may at any time and from time to time unilaterally extend to a borrower under a credit card plan the option of omitting monthly installments.History of Section.P.L. 2003, ch. 237, § 1.
RI Gen L § 6-26.1-8 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-26.1 - Credit Card Lending|Section 6-26.1-8 - Insurance.

§ 6-26.1-8. Insurance.(a) A credit card lender may request but not require an individual borrower to be insured in respect of a credit card plan under a life, health, accident, health and accident or other credit or other permissible insurance policy or program, whether group or individual.(b) In the case of a borrower borrowing under a credit card plan for other than personal, household or family purposes, a credit card lender may require the borrower to obtain insurance, from an insurer acceptable to the credit card lender, under a life, health, accident, health and accident or other credit or other permissible insurance policy or program, whether group or individual.History of Section.P.L. 2003, ch. 237, § 1.
RI Gen L § 6-26.1-9 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-26.1 - Credit Card Lending|Section 6-26.1-9 - Delinquent installments.

§ 6-26.1-9. Delinquent installments.(a) If the agreement governing a credit card plan so provides, a credit card lender may impose, as interest, a late or delinquency charge upon any outstanding unpaid installment payments or portions of it under the plan that are in default; provided, however, that no more than one such late or delinquency charge may be imposed with respect to any single installment payment or portion of it, regardless of the period during which it remains in default; and provided further, however, that for the purpose only of the preceding provision all payments by the borrower shall be deemed to be applied to satisfaction of installment payments in the order in which they become due. Nothing contained in this section shall limit, restrict, or otherwise affect the right of a credit card lender to change the percentage rate or rates of interest applicable to the credit plan between the credit card lender and a borrower upon the occurrence of a delinquency or default or other failure of the borrower to perform in accordance with the terms of the plan.(b) No charges assessed by a credit card lender in accordance with this section shall be deemed void as a penalty or otherwise unenforceable under any statute or the common law.History of Section.P.L. 2003, ch. 237, § 1; P.L. 2014, ch. 528, § 16.
RI Gen L § 6-26.1-10 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-26.1 - Credit Card Lending|Section 6-26.1-10 - Attorneys' fees - Costs.

§ 6-26.1-10. Attorneys' fees — Costs.In the event a borrower defaults under the terms of a plan, the credit card lender may, if the borrower's account is referred to an attorney (not a regularly salaried employee of the credit card lender) or to a third party for collection and if the agreement governing the credit card plan so provides, charge and collect from the borrower a reasonable attorneys' fee. In addition, following a borrower's default, the credit card lender may, if the agreement governing the plan so provides, recover from the borrower all court, alternative dispute resolution or other collection costs (including, without limitation, fees and charges of collection agencies) actually incurred by the credit card lender.History of Section.P.L. 2003, ch. 237, § 1.
RI Gen L § 6-26.1-12 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-26.1 - Credit Card Lending|Section 6-26.1-12 - Materiality of terms.

§ 6-26.1-12. Materiality of terms.All terms, conditions and other provisions of and relating to a credit card plan as contained in this chapter or any other applicable chapter, or in the agreement governing the plan (other than those which are interest under this chapter,) including, without limitation, provisions relating to the method of determining the outstanding unpaid indebtedness on which interest is applied; time periods within which interest or interest fees and charges may be avoided; reasons for default and the right to cure any default; right to accelerate; account cancellation; choice of law; change in terms requirements; right to charge and collect attorneys' fees; court and collection costs; and the compounding of interest or interest fees and charges, shall be, and hereby are deemed to be, material to the determination of interest applicable to a plan under Rhode Island law, under the most favored lender doctrine, and under the National Credit Card Lender Act (12 U.S.C. § 85) or Section 521 of the Depository Institutions Deregulation and Monetary Control Act of 1980 (12 U.S.C. § 1831(d)).History of Section.P.L. 2003, ch. 237, § 1; P.L. 2014, ch. 528, § 16.
RI Gen L § 6-26.1-13 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-26.1 - Credit Card Lending|Section 6-26.1-13 - Applicable law.

§ 6-26.1-13. Applicable law.An agreement governing a credit card plan shall be governed by the laws of the state of Rhode Island, and any other law of this state limiting the rate or amount of interest, discounts, points, finance charges, service charges or other charges or fees shall not apply to extensions of credit under a credit card plan operated in accordance with this chapter.History of Section.P.L. 2003, ch. 237, § 1.
RI Gen L § 6-27-1 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-27 - Truth in Lending and Retail Selling|Section 6-27-1 - Short title.

§ 6-27-1. Short title.This chapter may be known and cited as "The Rhode Island Truth in Lending and Retail Selling Act."History of Section.P.L. 1968, ch. 147, § 1; P.L. 1970, ch. 223, § 1.
RI Gen L § 6-27-2 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-27 - Truth in Lending and Retail Selling|Section 6-27-2 - Declaration of purpose.

§ 6-27-2. Declaration of purpose.The general assembly finds that economic stabilization would be enhanced and that competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost of credit by consumers. It is the purpose of this chapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him or her and thus avoid the uninformed use of credit.History of Section.P.L. 1968, ch. 147, § 1; P.L. 1970, ch. 223, § 1.
RI Gen L § 6-27-3 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-27 - Truth in Lending and Retail Selling|Section 6-27-3 - Definitions.

§ 6-27-3. Definitions.As used in this chapter:(1) "Credit" means any loan, mortgage, deed of trust, advance, or discount; any conditional sales contract; any contract to sell, or sale or contract of sale of property or services either for present or future delivery, under which part or all of the price is payable subsequent to the making of the sale or contract and the creditor imposes a finance charge; any contract or arrangement for the hire, bailment, or leasing of property in connection with which the creditor imposes a finance charge; any option, demand, lien, pledge, or other claim against or for the delivery of property or money; any purchase, or other acquisition of, or any credit upon the security of, any obligation or claim arising out of any of the foregoing; and any transaction or series of transactions having a similar purpose or effect.(2) "Creditor" means any person engaged in the business of extending credit, including any person who as a regular business practice makes loans or sells or rents property or services on a time, credit, or installment basis, either as principal or as agent, who requires, as an incident to the extension of credit, the payment of a finance charge.(3) "Director" means the director of business regulation.(4) "Official fees" means the fees prescribed by law for filing, recording, or otherwise perfecting or releasing or satisfying any title, lien, or security interest retained or taken by a creditor in connection with the extension of credit.(5) "Person" means any individual, corporation, partnership, association, or other organized group of persons, or the legal successor or representative of the foregoing.(6) "Revolving or open-end credit plan" means a credit plan prescribing the terms of credit transactions exclusive of cash advances under the plans.History of Section.P.L. 1968, ch. 147, § 1; P.L. 1970, ch. 223, § 1; P.L. 1989, ch. 481, § 2.