reglab/housing_qa huggingface dataset:
IA Code § 714E.6 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714E - FORECLOSURE CONSULTANTS|Section 714E.6 - Remedies.

714E.6 Remedies.   1. A violation of this chapter is an unlawful practice pursuant to section 714.16, and all remedies of section 714.16 are available for such an action. A private cause of action brought under this chapter by an owner is in the public interest. An owner may bring an action against a foreclosure consultant for a violation of this chapter. If the court finds that the foreclosure consultant violated this chapter, the court shall award the owner actual damages, appropriate equitable relief, and the costs of the action, and shall award reasonable fees to the owner’s attorney.   2. The rights and remedies provided in subsection 1 are cumulative to, and not a limitation of, any other rights and remedies provided by law. Any action brought by a person other than the attorney general pursuant to this section must be commenced within four years from the date of the alleged violation.   3. The court may award exemplary damages up to one and one-half times the compensation, fees, and interest charged by the foreclosure consultant if the court finds that the foreclosure consultant violated the provisions of section 714E.4, subsection 1, 2, or 4, and the foreclosure consultant acted in bad faith.   4. Notwithstanding any other provision of this section, an action shall not be brought on the basis of a violation of this chapter, except by an owner against whom the violation was committed or by the attorney general. This limitation does not apply to administrative action by either the attorney general or the superintendent of the banking division of the department of commerce.  2008 Acts, ch 1125, §6, 19  Referred to in §714E.8
IA Code § 714E.7 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714E - FORECLOSURE CONSULTANTS|Section 714E.7 - Criminal penalty.

714E.7 Criminal penalty.   A person who commits any violation described in section 714E.4 commits a serious misdemeanor. Prosecution or conviction for a violation described in section 714E.4 shall not bar prosecution or conviction for any other offenses. These penalties are cumulative to any other remedies or penalties provided.  2008 Acts, ch 1125, §7, 19  Referred to in §714E.8
IA Code § 714E.8 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714E - FORECLOSURE CONSULTANTS|Section 714E.8 - Provisions severable.

714E.8 Provisions severable.   If any provision of sections 714E.2 through 714E.7 and 714E.9 or the application of any of these provisions to any person or circumstance is held to be unconstitutional and void, the remainder of sections 714E.2 through 714E.7 and 714E.9 remains valid.  2008 Acts, ch 1125, §8, 19
IA Code § 714E.9 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714E - FORECLOSURE CONSULTANTS|Section 714E.9 - Arbitration prohibited.

714E.9 Arbitration prohibited.   A provision in a contract which attempts or purports to require arbitration of a dispute arising under sections 714E.2 through 714E.5 is void at the option of the owner.  2008 Acts, ch 1125, §9, 19  Referred to in §714E.8
IA Code § 714F.2 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714F - FORECLOSURE RECONVEYANCES|Section 714F.2 - Contract requirement — form and language.

714F.2 Contract requirement — form and language.   A foreclosure purchaser shall enter into a foreclosure reconveyance in the form of a written contract. The contract must be written in letters of a size equal to at least twelve point boldface type, in the same language principally used by the foreclosure purchaser and foreclosed homeowner to negotiate the sale of the residence in foreclosure, and must be fully completed and signed and dated by the foreclosed homeowner and foreclosure purchaser before the execution of any instrument of conveyance of the residence in foreclosure.  2008 Acts, ch 1125, §11, 19  Referred to in §714F.3
IA Code § 714F.3 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714F - FORECLOSURE RECONVEYANCES|Section 714F.3 - Contract terms.

714F.3 Contract terms.   1. A contract required by section 714F.2 must contain the entire agreement of the parties and shall include all the following terms:   a. The real name, business address, and the telephone number of the foreclosure purchaser.   b. The address of the residence in foreclosure.   c. The total consideration to be given by the foreclosure purchaser in connection with or incident to the sale.   d. A complete description of the terms of payment or other consideration including but not limited to any services of any nature that the foreclosure purchaser represents the foreclosure purchaser will perform for the foreclosed homeowner before or after the sale.   e. The time at which possession is to be transferred to the foreclosure purchaser.   f. A complete description of the terms of any related agreement designed to allow the foreclosed homeowner to remain in the home including but not limited to a rental agreement, repurchase agreement, contract for deed, or lease with option to buy.   g. A notice of cancellation as provided in section 714F.5.   h. The following notice in at least fourteen point boldface type, if the contract is printed or in capital letters if the contract is typed, and completed with the name of the foreclosure purchaser, immediately above the statement required by section 714F.5:  NOTICE REQUIRED BY IOWA LAW   Until your right to cancel this contract has ended, .................................................... (name) or anyone working for ............................................ (name) CANNOT ask you to sign or have you sign any deed or any other document.   2. The contract required by section 714F.2 survives delivery of any instrument of conveyance of the residence in foreclosure, but has no effect on persons other than the parties to the contract.  2008 Acts, ch 1125, §12, 19; 2009 Acts, ch 133, §181
IA Code § 714F.4 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714F - FORECLOSURE RECONVEYANCES|Section 714F.4 - Contract cancellation.

714F.4 Contract cancellation.   1. In addition to any other right of rescission, the foreclosed homeowner has the right to cancel any contract with a foreclosure purchaser until midnight of the third business day following the day on which the foreclosed homeowner signs a contract that complies with this chapter or until 8:00 a.m. on the last day of the period during which the foreclosed homeowner has a right of redemption, whichever occurs first.   2. Cancellation occurs when the foreclosed homeowner delivers, by any means, written notice of cancellation, provided that, at a minimum, the contract and the notice of cancellation contains a physical address to which notice of cancellation may be mailed or otherwise delivered. A post office box does not constitute a physical address. A post office box may be designated for delivery by mail only if it is accompanied by a physical address at which the notice could be delivered by a method other than mail. An electronic mail address may be provided in addition to the physical address. If cancellation is mailed, delivery is effective upon mailing. If electronically mailed, cancellation is effective upon transmission.   3. A notice of cancellation given by the foreclosed homeowner need not take the particular form as provided with the contract.   4. Within ten days following receipt of a notice of cancellation given in accordance with this section, the foreclosure purchaser shall return without condition any original contract and any other documents signed by the foreclosed homeowner.  2008 Acts, ch 1125, §13, 19; 2009 Acts, ch 41, §167; 2017 Acts, ch 54, §76  Referred to in §714F.6
IA Code § 714F.5 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714F - FORECLOSURE RECONVEYANCES|Section 714F.5 - Notice of cancellation.

714F.5 Notice of cancellation.   1. The contract must contain in immediate proximity to the space reserved for the foreclosed homeowner’s signature a conspicuous statement in a size equal to at least fourteen point boldface type if the contract is printed, or in capital letters if the contract is typed, as follows:   You may cancel this contract for the sale of your house without any penalty or obligation at any time before ........................ (date and time of day)   See the attached notice of cancellation form for an explanation of this right.   The foreclosure purchaser shall accurately enter the date and time of day on which the cancellation right ends.   2. The contract must be accompanied by a completed form in duplicate, captioned “notice of cancellation” in a size equal to a twelve point boldface type if the contract is printed, or in capital letters if the contract is typed, followed by a space in which the foreclosure purchaser shall enter the date on which the foreclosed homeowner executes the contract. This form must be attached to the contract, must be easily detachable, and must contain in type of at least ten points if the contract is printed, or in capital letters if the contract is typed, the following statement written in the same language as used in the contract:  NOTICE OF CANCELLATION  ........................   (enter date contract signed)   You may cancel this contract for the sale of your house, without any penalty or obligation, at any time before ............................ (enter date and time of day)   To cancel this transaction, you may use any of the following methods: (1) mail or otherwise deliver a signed and dated copy of this cancellation notice; or (2) e-mail a notice of cancellation to ................................................ (name of purchaser) at .................................................................... (physical address of purchaser’s place of business) ............................................ (e-mail address of foreclosure consultant’s place of business)   Not later than ............................ (enter date and time of day)   I hereby cancel this transaction.  ........................   (date)  ........................................................   (seller’s signature)   3. The foreclosure purchaser shall provide the foreclosed homeowner with a copy of the contract and the attached notice of cancellation at the time the contract is executed by all parties.   4. The three business days during which the foreclosed homeowner may cancel the contract shall not begin to run until all parties to the contract have executed the contract and the foreclosure purchaser has complied with this section.  2008 Acts, ch 1125, §14, 19  Referred to in §714F.3
IA Code § 714F.6 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714F - FORECLOSURE RECONVEYANCES|Section 714F.6 - Waiver.

714F.6 Waiver.   A waiver of the provisions of this chapter is void and unenforceable as contrary to public policy, except a consumer may waive the three-day right to cancel provided in section 714F.4 if the property is subject to a foreclosure sale, tax sale, or contract forfeiture within the three business days and the shortened cancellation period was not caused by the foreclosure purchaser or an agent of the foreclosure purchaser. A waiver of a foreclosed homeowner’s right to cancel shall be in a handwritten statement signed by all parties holding title to the foreclosed property.  2008 Acts, ch 1125, §15, 19; 2009 Acts, ch 133, §182
IA Code § 714F.7 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714F - FORECLOSURE RECONVEYANCES|Section 714F.7 - Arbitration prohibited.

714F.7 Arbitration prohibited.   A provision in a contract which attempts or purports to require arbitration of any dispute arising under this chapter is void at the option of the foreclosed homeowner.  2008 Acts, ch 1125, §16, 19
IA Code § 714G.2 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714G - CONSUMER CREDIT SECURITY|Section 714G.2 - Security freeze.

714G.2 Security freeze.   1. A consumer may submit a written request for a security freeze to a consumer reporting agency by first-class mail, telephone, secure internet connection, or other secure electronic contact method designated by the consumer reporting agency. The consumer must submit proper identification with the request. Within three business days after receiving the request, the consumer reporting agency shall commence the security freeze. Within three business days after commencing the security freeze, the consumer reporting agency shall send a written confirmation to the consumer of the security freeze, a personal identification number or password, other than the consumer’s social security number, for the consumer to use in authorizing the suspension or removal of the security freeze, including information on how the security freeze may be temporarily suspended.   2. a. If a consumer requests a security freeze from a consumer reporting agency that compiles and maintains files on a nationwide basis, the consumer reporting agency shall identify, to the best of its knowledge, any other consumer reporting agency that compiles and maintains files on consumers on a nationwide basis and inform consumers of appropriate contact information that would permit the consumer to place, lift, or remove a security freeze from such other consumer reporting agency.   b. For purposes of this subsection, “consumer reporting agency that compiles and maintains files on a nationwide basis” means the same as defined in 15 U.S.C. §1681a(p).  2008 Acts, ch 1063, §2; 2018 Acts, ch 1091, §1, 10
IA Code § 714G.3 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714G - CONSUMER CREDIT SECURITY|Section 714G.3 - Temporary suspension.

714G.3 Temporary suspension.   1. A consumer may request that a security freeze be temporarily suspended to allow the consumer reporting agency to release the consumer credit report for a specific time period. The consumer reporting agency shall develop procedures to expedite the receipt and processing of requests by first-class mail, telephone, secure internet connection, or other secure electronic contact method designated by the consumer reporting agency. The consumer reporting agency shall comply with the request within three business days after receiving the consumer’s written request, or within fifteen minutes after the consumer’s request is received by the consumer reporting agency through secure internet connection or other secure electronic contact method designated by the consumer reporting agency, or the use of a telephone, during normal business hours. The consumer’s request shall include all of the following:   a. Proper identification.   b. The personal identification number or password provided by the consumer reporting agency.   c. Explicit instructions of the specific time period designated for suspension of the security freeze.   2. A consumer reporting agency need not remove a security freeze within the time frames provided in subsection 1 if the consumer fails to meet the requirements of subsection 1, or the ability of the consumer reporting agency to remove the security freeze within fifteen minutes is prevented by one of the following:   a. An act of God, including a fire, earthquake, hurricane, storm, or similar natural disaster or phenomenon.   b. Unauthorized or illegal acts by a third party, including terrorism, sabotage, riot, vandalism, labor strikes or disputes disrupting operations, or similar occurrences.   c. Operational interruption, including electrical failure, unanticipated delay in equipment or replacement part delivery, computer hardware or software failures inhibiting response time, or similar disruption.   d. Governmental action, including emergency orders or regulations, judicial law enforcement action, or similar directives.   e. Regularly scheduled maintenance, during other than normal business hours, of the consumer reporting agency’s systems, or updates to the consumer reporting agency’s systems.   f. Commercially reasonable maintenance of, or repair to, the consumer reporting agency’s systems that is unexpected or unscheduled.   g. Receipt of a removal request outside of normal business hours.  2008 Acts, ch 1063, §3; 2018 Acts, ch 1091, §2, 10
IA Code § 714G.4 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714G - CONSUMER CREDIT SECURITY|Section 714G.4 - Removal.

714G.4 Removal.   A security freeze remains in effect until the consumer requests that the security freeze be removed. A consumer reporting agency shall remove a security freeze within three business days after receiving a request for removal that includes proper identification of the consumer, and the personal identification number or password provided by the consumer reporting agency.  2008 Acts, ch 1063, §4; 2018 Acts, ch 1091, §3, 10
IA Code § 714G.5 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714G - CONSUMER CREDIT SECURITY|Section 714G.5 - Fees prohibited.

714G.5 Fees prohibited.   A consumer reporting agency shall not charge a fee to a consumer for providing any service pursuant to this chapter, including but not limited to placing, removing, temporarily suspending, or reinstating a security freeze.  2008 Acts, ch 1063, §5; 2018 Acts, ch 1091, §4
IA Code § 714G.6 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714G - CONSUMER CREDIT SECURITY|Section 714G.6 - Third parties.

714G.6 Third parties.   If a third party requests a consumer credit report that is subject to a security freeze, the consumer reporting agency may advise the third party that a security freeze is in effect. If the consumer does not expressly authorize the third party to have access to the consumer credit report through a temporary suspension of the security freeze, the third party shall not be given access to the consumer credit report but may treat a credit application as incomplete.  2008 Acts, ch 1063, §6
IA Code § 714G.7 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714G - CONSUMER CREDIT SECURITY|Section 714G.7 - Misrepresentation of fact.

714G.7 Misrepresentation of fact.   A consumer reporting agency may suspend or remove a security freeze upon a material misrepresentation of fact by the consumer. However, the consumer reporting agency shall send notice to the consumer in writing prior to suspending or removing the security freeze.  2008 Acts, ch 1063, §7
IA Code § 714G.8 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714G - CONSUMER CREDIT SECURITY|Section 714G.8 - Exceptions.

714G.8 Exceptions.   A security freeze or protected consumer security freeze shall not apply to the following persons or entities:   1. A person or person’s subsidiary, affiliate, agent, or assignee with which the consumer has or prior to assignment had an account, contract, or debtor-creditor relationship for the purposes of reviewing the account or collecting the financial obligation owing for the account, contract, or debt, or extending credit to a consumer with a prior or existing account, contract, or debtor-creditor relationship. “Reviewing the account” includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.   2. A subsidiary, affiliate, agent, assignee, or prospective assignee of a person to whom access has been granted under a temporary suspension for purposes of facilitating the extension of credit or another permissible use.   3. A person acting pursuant to a court order, warrant, or subpoena.   4. Child support enforcement officials when investigating a child support case pursuant to Tit. IV-D or Tit. XIX of the federal Social Security Act.   5. The department of human services or its agents or assignees acting to investigate fraud under the medical assistance program.   6. The department of revenue or local taxing authorities, or any of their agents or assignees, acting to investigate or collect delinquent taxes or assessments, including interest and penalties and unpaid court orders, or to fulfill any of their other statutory or other responsibilities.   7. A person’s use of credit information for prescreening as provided by the federal Fair Credit Reporting Act.   8. A person for the sole purpose of providing a credit file monitoring subscription service to which the consumer has subscribed.   9. A consumer reporting agency for the sole purpose of providing a customer with a copy of the consumer credit report upon the consumer’s request.   10. A person’s use of a consumer credit report in connection with the business of insurance.  2008 Acts, ch 1063, §8; 2012 Acts, ch 1023, §85; 2014 Acts, ch 1041, §4, 6  Referred to in §714G.8A
IA Code § 714G.9 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714G - CONSUMER CREDIT SECURITY|Section 714G.9 - Written confirmation.

714G.9 Written confirmation.   After a security freeze is in effect, a consumer reporting agency may post a name, date of birth, social security number, or address change in a consumer credit report provided written confirmation is sent to the consumer within thirty days of posting the change. For an address change, written confirmation shall be sent to both the new and former addresses. Written confirmation is not required to correct spelling and typographical errors.  2008 Acts, ch 1063, §9
IA Code § 714G.10 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714G - CONSUMER CREDIT SECURITY|Section 714G.10 - Waiver void.

714G.10 Waiver void.   A waiver by a consumer of the provisions of this chapter is contrary to public policy and is void and unenforceable.  2008 Acts, ch 1063, §10  Referred to in §714G.8A
IA Code § 714G.11 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714G - CONSUMER CREDIT SECURITY|Section 714G.11 - Enforcement.

714G.11 Enforcement.   A person who violates this chapter violates section 714.16, subsection 2, paragraph “a”. All powers conferred upon the attorney general to accomplish the objectives and carry out the duties prescribed in section 714.16 are also conferred upon the attorney general to enforce this chapter including but not limited to the power to issue subpoenas, adopt rules, and seek injunctive relief and a monetary award for civil penalties, attorney fees, and costs. Additionally, the attorney general may seek and recover the greater of five hundred dollars or actual damages for each customer injured by a violation of this chapter.  2008 Acts, ch 1063, §11  Referred to in §714G.8A
IA Code § 714H.1 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714H - CONSUMER FRAUD — PRIVATE ACTIONS|Section 714H.1 - Title.

714H.1 Title.   This chapter shall be known and may be cited as the “Private Right of Action for Consumer Frauds Act”.  2009 Acts, ch 167, §1, 9
IA Code § 714H.2 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714H - CONSUMER FRAUD — PRIVATE ACTIONS|Section 714H.2 - Definitions.

714H.2 Definitions.   1. “Actual damages” means all compensatory damages proximately caused by the prohibited practice or act that are reasonably ascertainable in amount. “Actual damages” does not include damages for bodily injury, pain and suffering, mental distress, or loss of consortium, loss of life, or loss of enjoyment of life.   2. “Advertisement” means the same as defined in section 714.16.   3. “Consumer” means a natural person or the person’s legal representative.   4. “Consumer merchandise” means merchandise offered for sale or lease, or sold or leased, primarily for personal, family, or household purposes.   5. “Deception” means an act or practice that is likely to mislead a substantial number of consumers as to a material fact or facts.   6. “Merchandise” means the same as defined in section 714.16.   7. “Person” means the same as defined in section 714.16.   8. “Sale” means any sale or offer for sale of consumer merchandise for cash or credit.   9. “Unfair practice” means the same as defined in section 714.16.  2009 Acts, ch 167, §2, 9