reglab/housing_qa huggingface dataset:
NV Rev Stat § 604A.5086 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.5086 - Limitations on fees licensee may collect for check not paid upon presentment or failure of electronic transfer of money; standards for civil liability and criminal prosecution.

  1. A licensee who operates a title loan service may collect a fee of not more than $25 if a check is not paid upon presentment or an electronic transfer of money fails because the account of the customer contains insufficient funds or has been closed.  2. If the account of the customer contains insufficient funds, the licensee may collect only two fees of $25 each, regardless of the number of times the check is presented for payment or the electronic transfer of money is attempted.  3. If the account of the customer has been closed, the licensee may collect only one fee of $25, regardless of the number of times the check is presented or the electronic transfer of money is attempted for payment.  4. A customer who receives or attempts to receive a title loan is not liable for damages pursuant to NRS 41.620 or to criminal prosecution for a violation of chapter 205 of NRS unless the customer acted with criminal intent.  (Added to NRS by 2005, 1698; A 2007, 942) — (Substituted in revision for part of NRS 604A.490)
NV Rev Stat § 604A.5088 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.5088 - Receipt required for each payment by customer; contents.

In addition to any other provision in this chapter, each time a customer who receives a title loan makes a payment to a licensee who operates a title loan service, the licensee shall give to the customer a receipt with the following information:  1. The name and address of the licensee;  2. The identification number assigned to the loan agreement or other information that identifies the title loan;  3. The date of the payment;  4. The amount paid;  5. The balance due on the title loan or, when the customer makes a final payment, a statement that the title loan is paid in full; and  6. If more than one loan made by the licensee to the customer was outstanding at the time the payment was made, a statement indicating to which loan the payment was applied.  (Added to NRS by 2005, 1698) — (Substituted in revision for part of NRS 604A.495)
NV Rev Stat § 604A.5089 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.5089 - Requirements regarding person acting as agent or assisting in making loan.

  1. A person shall not act as an agent for or assist a licensee who operates a title loan service in the making of a title loan unless the licensee complies with all applicable federal and state laws, regulations and guidelines.  2. The provisions of this section do not apply to the agent or assistant to a state or federally chartered bank, thrift company, savings and loan association, savings bank or industrial loan company if the state or federally chartered bank, thrift company, savings and loan association, savings bank or industrial loan company:  (a) Initially advances the loan proceeds to the customer; and  (b) Does not sell, assign or transfer a preponderant economic interest in the title loan to the agent or assistant or an affiliate or subsidiary of the state or federally chartered bank, thrift company, savings and loan association, savings bank or industrial loan company, unless selling, assigning or transferring a preponderant economic interest is expressly permitted by the primary regulator of the state or federally chartered bank, thrift company, savings and loan association, savings bank or industrial loan company.  3. If a licensee who operates a title loan service acts as an agent for or assists a state or federally chartered bank, thrift company, savings and loan association, savings bank or industrial loan company in the making of a title loan and the licensee can show that the standards set forth in subsection 2 are satisfied, the licensee must comply with all other provisions in this chapter to the extent they are not preempted by other state or federal law.  (Added to NRS by 2005, 1698) — (Substituted in revision for part of NRS 604A.500)
NV Rev Stat § 604A.590 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.590 - Required disclosures.

  1. A licensee who has been issued a license to operate a title loan service pursuant to this chapter shall comply with the disclosure requirements of NRS 604A.405 and the Federal Truth in Lending Act. A loan agreement between such a licensee and a customer must fully disclose the terms of the transaction, including, without limitation, the amount of any fees charged for providing title loan services represented in both a dollar amount and as an annual percentage rate.  2. A licensee described in subsection 1 shall prominently disclose in the loan agreement all fees charged for providing title loan services to a customer before he or she enters into the transaction process.  (Added to NRS by 2015, 1144) — (Substituted in revision for part of NRS 604A.520)
NV Rev Stat § 604A.591 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.591 - Prohibited fees.

A licensee who has been issued a license to operate a title loan service pursuant to this chapter shall not charge a fee for providing title loan services that is prohibited by an applicable law or regulation of this State or federal law or regulation.  (Added to NRS by 2015, 1144) — (Substituted in revision for part of NRS 604A.525)
NV Rev Stat § 604A.592 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.592 - Prohibited advertisements.

A licensee who has been issued a license to operate a title loan service pursuant to this chapter shall comply with the provisions of subsection 6 of NRS 604A.5072 prohibiting advertisements that are false, misleading or deceptive with regard to the rates, terms or conditions for title loans.  (Added to NRS by 2015, 1144) — (Substituted in revision for part of NRS 604A.530)
NV Rev Stat § 604A.593 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.593 - Required notices.

A licensee who has been issued a license to operate a title loan service pursuant to this chapter shall place the following notices on marketing materials and television, print, radio and Internet advertising when space or time reasonably permits:  1. Title loans should be used for short-term financial needs only and not as a long-term financial solution; and   2. Customers with credit difficulties should seek credit counseling before entering into any title loan transaction.  (Added to NRS by 2015, 1144) — (Substituted in revision for part of NRS 604A.535)
NV Rev Stat § 604A.594 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.594 - Rescission of loan by customer.

A licensee who has been issued a license to operate a title loan service pursuant to this chapter shall provide each customer with the ability to rescind any title loan in accordance with the provisions of NRS 604A.5079.  (Added to NRS by 2015, 1145) — (Substituted in revision for part of NRS 604A.545)
NV Rev Stat § 604A.595 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.595 - Collection of past due accounts; prohibited acts.

A licensee who has been issued a license to operate a title loan service pursuant to this chapter must collect past due accounts in a professional, fair and lawful manner in accordance with the provisions of NRS 604A.5072 and applicable provisions of the Federal Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., as amended. Such a licensee shall not use unlawful threats, intimidation or harassment to collect unpaid accounts.  (Added to NRS by 2015, 1145) — (Substituted in revision for part of NRS 604A.550)
NV Rev Stat § 604A.596 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.596 - Reporting violations of chapter.

A licensee who has been issued a license to operate a title loan service pursuant to this chapter shall report to the Commissioner any person the licensee knows, or reasonably should know, is in violation of the provisions of this chapter within 30 days after the date the licensee knows, or reasonably should know, of the violation.  (Added to NRS by 2015, 1145) — (Substituted in revision for part of NRS 604A.555)
NV Rev Stat § 604A.597 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.597 - Certain licensees required to offer repayment plan.

A licensee who has been issued a license to operate a title loan service pursuant to this chapter shall provide to any customer who is unable to repay a title loan in accordance with the loan agreement between the licensee and the customer the opportunity to enter into a repayment plan pursuant to NRS 604A.5083. Such a licensee shall disclose the availability of such a repayment plan to any customer who is unable to repay a title loan.  (Added to NRS by 2015, 1145) — (Substituted in revision for part of NRS 604A.560)
NV Rev Stat § 604A.598 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.598 - Licensee offering services through Internet website required to comply with applicable laws.

A licensee that offers title loan services through an Internet website must be licensed in each state, as applicable, where any of its customers reside and shall comply with any state or federal law or regulation applicable to such jurisdiction.  (Added to NRS by 2015, 1145) — (Substituted in revision for part of NRS 604A.565)
NV Rev Stat § 604A.509 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.509 - Practices regarding customers who are members of military.

Notwithstanding any other provision of law:  1. If a customer who receives or attempts to receive check-cashing services is a member of the military, a licensee who operates a check-cashing service shall:  (a) Honor the terms of any repayment plan between the licensee and customer, including, without limitation, any repayment plan negotiated through military counselors or third-party credit counselors.  (b) Honor any proclamation by a base commander that a certain branch location of the licensee is off-limits to members of the military and their spouses.  2. If a customer who receives or attempts to receive check-cashing services is a member of the military, a licensee who operates a check-cashing service shall not garnish or threaten to garnish any wages or salary of the customer or the customer’s spouse.  3. If a customer who receives or attempts to receive check-cashing services is a member of the military and is deployed to a combat or combat supporting position, a licensee who operates a check-cashing service shall not engage in any collection activity against the customer or the customer’s spouse.  4. As used in this section, "military" means the Armed Forces of the United States, a reserve component thereof or the National Guard.  (Added to NRS by 2005, 1690; A 2007, 935, 2847) — (Substituted in revision for part of NRS 604A.420)
NV Rev Stat § 604A.5092 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.5092 - Prohibited acts by licensee: Improper practices; deceptive trade practices; using agent, affiliate or subsidiary to avoid requirements or prohibitions of chapter.

A licensee who operates a check-cashing service shall not:  1. Take any confession of judgment or any power of attorney running to the licensee or to any third person to confess judgment or to appear for the customer in a judicial proceeding.  2. Include in any written agreement:  (a) A promise by the customer to hold the licensee harmless;  (b) A confession of judgment by the customer;  (c) An assignment or order for the payment of wages or other compensation due the customer; or   (d) A waiver of any provision of this chapter. The provisions of this paragraph do not apply to the extent preempted by federal law.  3. Engage in any deceptive trade practice, as defined in chapter 598 of NRS, including, without limitation, making a false representation.  4. Reinitiate an electronic debit transaction that has been returned by a customer’s bank except in accordance with the rules prescribed by the National Automated Clearing House Association or its successor organization.  5. Use or attempt to use any agent, affiliate or subsidiary to avoid the requirements or prohibitions of this chapter.  (Added to NRS by 2005, 1691; A 2017, 1441) — (Substituted in revision for part of NRS 604A.440)
NV Rev Stat § 604A.5094 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.5094 - Limitations on fees licensee may collect for check not paid upon presentment or failure of electronic transfer of money; standards for civil liability and criminal prosecution.

  1. A licensee who operates a check-cashing service may collect a fee of not more than $25 if a check is not paid upon presentment or an electronic transfer of money fails because the account of the customer contains insufficient funds or has been closed.  2. If the account of the customer contains insufficient funds, the licensee may collect only two fees of $25 each, regardless of the number of times the check is presented for payment or the electronic transfer of money is attempted.  3. If the account of the customer has been closed, the licensee may collect only one fee of $25, regardless of the number of times the check is presented or the electronic transfer of money is attempted for payment.  4. A customer who receives or attempts to receive check-cashing services is not liable for damages pursuant to NRS 41.620 or to criminal prosecution for a violation of chapter 205 of NRS unless the customer acted with criminal intent.  (Added to NRS by 2005, 1698; A 2007, 942) — (Substituted in revision for part of NRS 604A.490)
NV Rev Stat § 604A.510 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.510 - Short title.

The provisions of NRS 604A.510 to 604A.598, inclusive, may be cited as the Payday Lender Best Practices Act.  (Added to NRS by 2015, 1144)
NV Rev Stat § 604A.515 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.515 - Applicability.

  1. In addition to the requirements of any other provision of this chapter, or any applicable law or regulation of this State or federal law or regulation, a licensee who has been issued one or more licenses to operate a deferred deposit loan service, high-interest loan service or title loan service pursuant to this chapter shall comply with the provisions of NRS 604A.510 to 604A.598, inclusive.  2. The provisions of NRS 604A.510 to 604A.598, inclusive, do not apply to the operation of a check-cashing service licensed pursuant to this chapter.  (Added to NRS by 2015, 1144)
NV Rev Stat § 604A.5983 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.5983 - Prohibited annual percentage rates.

A licensee who makes a loan that constitutes consumer credit to a covered service member or his or her dependent shall not charge the covered service member or dependent an annual percentage rate with respect to the loan except as:  1. Agreed to under the terms of the written loan agreement entered into pursuant to NRS 604A.5012, 604A.504 or 604A.5067, as applicable;  2. Authorized by applicable state and federal law; and  3. Not specifically prohibited by NRS 99.050, 604A.5985 and 604A.5987.  (Added to NRS by 2019, 941)
NV Rev Stat § 604A.5985 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.5985 - Required disclosures.

  1. Before making a loan that constitutes consumer credit to a covered service member or a dependent of a covered service member, a licensee shall provide the following information to the covered service member or the dependent of a covered service member, as applicable, both orally and in writing:  (a) A statement of the annual percentage rate of interest applicable to the loan;  (b) Any disclosures required by the provisions of the Truth in Lending Act and any regulations adopted pursuant thereto; and  (c) A clear description of the payment obligations of the covered service member or dependent, as applicable.  2. A licensee shall present the disclosures required by subsection 1 in accordance with the provisions of Regulation Z.  (Added to NRS by 2019, 941)
NV Rev Stat § 604A.5987 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.5987 - Prohibited terms of consumer credit to covered service member.

A licensee shall not make a loan that constitutes consumer credit to a covered service member or a dependent of a covered service member with respect to which:  1. The licensee extends, rolls over, renews, repays, refinances or consolidates any consumer credit extended to the customer by the same licensee with the proceeds of the other consumer credit extended to the same covered service member or dependent;  2. The customer is required to waive the customer’s right to legal recourse under any otherwise applicable provision of state or federal law, including, without limitation, any provision of the Servicemembers Civil Relief Act, 50 U.S.C. §§ 3901 et seq.;  3. The licensee imposes onerous legal notice provisions in the case of a dispute or demands unreasonable notice from the customer as a condition for legal action;  4. The licensee uses a check or other method of access to a deposit, savings or other financial account maintained by the customer, or the title of a vehicle as security for the obligation;  5. The licensee requires as a condition for the extension of consumer credit that the customer establish an allotment to repay an obligation; or  6. The customer is prohibited from prepaying the loan or is charged a penalty or fee for prepaying all or part of the loan.  (Added to NRS by 2019, 942)
NV Rev Stat § 604A.600 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.600 - Application for license.

  1. An application for a license pursuant to the provisions of this chapter must be made in writing, under oath and on a form prescribed by the Commissioner. The application must include:  (a) If the applicant is a natural person, the name and address of the applicant.  (b) If the applicant is a business entity, the name and address of each:  (1) Partner;  (2) Officer;  (3) Director;  (4) Manager or member who acts in a managerial capacity; and  (5) Registered agent,  of the business entity.  (c) Such other information, as the Commissioner determines necessary, concerning the financial responsibility, background, experience and activities of the applicant and its:  (1) Partners;  (2) Officers;  (3) Directors; and  (4) Managers or members who act in a managerial capacity.  (d) The address of each location at which the applicant proposes to do business under the license, including, without limitation, each location where the applicant will operate at a kiosk, through the Internet, through any telephone, facsimile machine or other telecommunication device or through any other machine, network, system, device or means, except that the applicant shall not propose to do business through any automated loan machine prohibited by NRS 604A.400.  (e) If the applicant is or intends to be licensed to provide more than one type of service pursuant to the provisions of this chapter, a statement of that intent and which services the applicant provides or intends to provide.  2. Each application for a license must be accompanied by:  (a) A nonrefundable application fee;  (b) Such additional expenses incurred in the process of investigation as the Commissioner deems necessary; and  (c) A fee of not less than $100 or more than $500, prorated on the basis of the licensing year.  All money received by the Commissioner pursuant to this subsection must be placed in the Investigative Account for Financial Institutions created by NRS 232.545.  3. The Commissioner shall adopt regulations establishing the amount of the fees required pursuant to this section.  4. The Commissioner shall consider an application to be withdrawn if the Commissioner has not received all information and fees required to complete the application within 6 months after the date the application is first submitted to the Commissioner or within such later period as the Commissioner determines in accordance with any existing policies of joint regulatory partners. If an application is deemed to be withdrawn pursuant to this subsection or if an applicant otherwise withdraws an application, the Commissioner may not issue a license to the applicant unless the applicant submits a new application and pays any required fees.  (Added to NRS by 2005, 1699)