reglab/housing_qa huggingface dataset:
NH Rev Stat § 399-D:11 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-D - Debt Adjustment Services|Section 399-D:11 - Consumer Inquiries.

    399-D:11 Consumer Inquiries. –||I. Consumer complaints naming licensees under this chapter, which are filed in writing with the office of the commissioner, shall be forwarded via electronic mail or certified or registered mail to the licensee for response within 10 days of receipt by the department. Licensees shall, within 10 days after receipt of such complaint, send a written acknowledgment thereof to the consumer and the department. Not later than 30 days following receipt of such complaint, the licensee shall conduct an investigation of the complaint and either:||(a) Make appropriate corrections in the account of the consumer and transmit to the consumer and the department written notification of such corrections, including documentary evidence thereof; or||(b) Transmit a written explanation or clarification to the consumer and the department which sets forth, to the extent applicable, the reasons why the licensee believes its actions are correct, including copies of documentary evidence thereof.||II. A licensee who fails to respond to consumer complaints as required by this section within the time prescribed shall pay to the commissioner a penalty of $50 for each day such response is overdue. For purposes of this section, the date of transmission shall be the date such response is received by the commissioner.||III. (a) Licensees which, because of extenuating circumstances beyond the control of the licensee, are unable to comply with the time frames prescribed in this section, may make written request to the commissioner for a waiver of such time frames. Waivers shall not be granted or considered unless the request for the waiver:||(1) Is received by the department within 20 days following the licensee's receipt of the complaint;||(2) Specifies the reason for the request; and||(3) Specifies a date certain by which the licensee shall comply with the provisions of this section.||(b) Requests for waivers shall be either granted or denied within 5 days of receipt by the department.|||Source. 2016, 151:1, eff. Jan. 1, 2017. 2018, 207:8, 9, eff. Aug. 7, 2018. 2021, 194:27, eff. Oct. 9, 2021.|
NH Rev Stat § 399-D:16 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-D - Debt Adjustment Services|Section 399-D:16 - Provisions Applicable to Debt Settlement Plans Under This Chapter.

    399-D:16 Provisions Applicable to Debt Settlement Plans Under This Chapter. –||I. A licensee shall not be entitled to any fee until the contract has been in effect for at least 30 days, and thereafter, the monthly amortized fee may be charged at 30-day intervals for the term of contract, except in the event of prepayment or cancellation thereof.||II. The licensee's fees shall be based on the total indebtedness as stated in the contract and shall not exceed 15 percent.||III. The licensee shall remit funds to creditors, less the licensee's prorated fees within 10 calendar days of receipt of a negotiated settlement.||IV. The licensee shall provide the debtor with a written statement of the debtor's account:||(a) Every 90 days;||(b) Upon the debtor's verbal request at any time during the contract term; and||(c) At the termination or cancellation of the contract.||V. No licensee shall execute a contract unless a completed, written budget analysis indicates the debtor can meet the requirements of the debt settlement plan.||VI. Each licensee shall maintain a separate, pooled bank account for the debtors' benefit in which all debtors' payments shall be deposited within 24 hours of receipt thereof. All such payments shall remain in such bank account until the licensee remits funds to either a debtor or creditor thereof.|||Source. 2016, 151:1, eff. Jan. 1, 2017.|
NH Rev Stat § 399-D:17 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-D - Debt Adjustment Services|Section 399-D:17 - Provisions Applicable to Debt Repayment Plans Under This Chapter.

    399-D:17 Provisions Applicable to Debt Repayment Plans Under This Chapter. –||I. If the debtor gives the licensee 30 days' written notice of cancellation and such licensee performed all of its contractually required services, such licensee shall be entitled to a cancellation fee of the lesser of:||(a) 5 percent of the remaining service charges that would have been collected over the term of the debt adjustment contract; or||(b) $50.||II. If the debtor willfully defaults by failing to pay the contractually obligated payments for a period of 30 days and such licensee performed all of its contractually required services, such licensee shall be entitled to a cancellation fee of the lesser of:||(a) 5 percent of the remaining service charges that would have been collected over the term of the debt adjustment contract; or||(b) $50.||III. The licensee shall notify the debtor's creditors or their attorneys in writing within 10 calendar days of cancellation.|||Source. 2016, 151:1, eff. Jan. 1, 2017.|
NH Rev Stat § 399-D:20 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-D - Debt Adjustment Services|Section 399-D:20 - Cease and Desist.

    399-D:20 Cease and Desist. –||I. The department may issue a cease and desist order against any person who it has reasonable cause to believe is in violation of the provisions of this chapter or any rule or order under this chapter.||II. (a) The order shall be calculated to give reasonable notice of the opportunity for a hearing and shall state the reasons for the issuance of the order.||(b) Valid delivery of such order shall be by hand or certified mail at the principal office of the person.||(c) A hearing, if requested, shall be held not later than 10 days after the written request for such hearing is received by the commissioner.||(d) Within 20 days of the date of the hearing the commissioner shall issue a further order vacating the cease and desist order or making it permanent as issued or as amended by the commissioner.||(e) If the person to whom a cease and desist order is issued fails to appear at the hearing after being duly notified, such person shall be deemed in default, and the proceeding may be determined against him or her upon consideration of the cease and desist order, the allegations of which may be deemed to be true.||(f) If the person to whom a cease and desist order is issued fails to request a hearing within 30 calendar days of receipt of such order and no hearing is ordered by the commissioner, then such person shall likewise be deemed in default, and the order shall, on the 31st day, become permanent, and shall remain in full force and effect until and unless later modified or vacated by the commissioner, for good cause shown.||III. If any person refuses to obey the commissioner's order, an action may be brought by the attorney general on the commissioner's behalf in any superior court in this state to enjoin such person from engaging in or continuing such violation or from doing any act or acts in furtherance of such violation. In any such action, an order or judgment may be entered awarding a temporary or permanent injunction, and awarding the commissioner or the attorney general or both costs in bringing such action. Any person who fails to comply with such injunction shall be subject to a fine not exceeding $10,000 or imprisonment, or both.|||Source. 2016, 151:1, eff. Jan. 1, 2017.|
NH Rev Stat § 399-D:22 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-D - Debt Adjustment Services|Section 399-D:22 - Consumer Credit Administration License Fund.

    399-D:22 Consumer Credit Administration License Fund. –||The balance in the consumer credit administration license fund shall be transferred and shall be payable to the state treasurer as restricted revenue and credited to the appropriation for the commissioner, consumer credit administration division. Sums collected under this chapter shall be payable to the state treasurer as restricted revenue and credited to the appropriation for the commissioner, consumer credit administration division.|||Source. 2016, 151:1, eff. Jan. 1, 2017.|
NH Rev Stat § 399-E:1 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-E - Loan Scam Operators|Section 399-E:1 - Loan Scam Operators.

    399-E:1 Loan Scam Operators. –||I. In this chapter, "loan scam operator" means any person who, through advertising in any media, offers to lend money for a prepaid fee without any source of supply for such money and with no intent to provide such money.||II. Any loan scam operator who operates in this state shall be guilty of a felony and, notwithstanding RSA 651:2, shall be subject to a fine of $10,000 and one year of imprisonment.|||Source. 1988, 46:1, eff. May 30, 1988.|
NH Rev Stat § 399-F:1 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-F - Cash Dispensing Machines|Section 399-F:1 - Definitions.

    399-F:1 Definitions. –||In this chapter:||I. "Bank" means a bank as defined in RSA 383-A:2-201(a)(3).||I-a. "Credit union" means a credit union as defined in RSA 383-A:2-201(a)(15).||II. "Cash dispensing machine":||(a) Means an electronic device that, operating in conjunction with a processor and network, allows a consumer to debit an account in exchange for dispensing cash.||(b) Does not mean a point-of-sale device that is used in the purchase of goods or services to capture data electronically in order to debit or credit a customer's asset account.||III. "Commissioner" means the New Hampshire bank commissioner appointed under the provisions of RSA 383:1.||IV. "Establish" means to own, lease, or otherwise legally control.||V. "Network" means a person who engages primarily in the establishment and maintenance of a computer-operated system of transmitting items and messages between banks, processors, and cash dispensing machines or similar electronic devices.||VI. "Operator" means the person who owns, leases, or otherwise legally controls a cash dispensing machine.||VII. "Person" means any natural person, partnership, corporation, or other business association recognized under New Hampshire law.||VIII. "Processor" means a person who electronically acquires financial data emanating from a cash dispensing machine and relays such data to a network.||IX. "Servicing agent" means a person who contracts with an operator to provide consumer relations, financial recordkeeping, or similar services in regard to a cash dispensing machine.|||Source. 1998, 358:1. 2015, 272:25, 31. 2016, 230:7, 8, eff. Aug. 8, 2016. 2019, 36:36, eff. May 15, 2019.|
NH Rev Stat § 399-F:2 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-F - Cash Dispensing Machines|Section 399-F:2 - Establishment of Cash Dispensing Machines.

    399-F:2 Establishment of Cash Dispensing Machines. –||I. No person shall establish a cash dispensing machine unless it:||(a) Does not accept deposits, loan payments, or effectuate account transfers;||(b) Is not operated in such a way as to violate the Electronic Funds Transfer Act, 15 U.S.C. 1693 et seq. or regulations promulgated thereunder; and||(c) Is in complete and accurate compliance with the provisions of RSA 399-F:3.||II. Paragraph I shall not apply to and this chapter shall not govern any cash dispensing machine or similar electronic device established by a bank or credit union.|||Source. 1998, 358:1. 2015, 272:26. 2016, 230:9, eff. Aug. 8, 2016.|
NH Rev Stat § 399-F:3 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-F - Cash Dispensing Machines|Section 399-F:3 - Notice.

    399-F:3 Notice. –||I. At least 15 business days prior to the activation date of any cash dispensing machine, its operator shall provide to the commissioner an initial:||(a) Written notice completely and accurately setting forth the following information in regard to the cash dispensing machine:||(1) The operator's name, address, and telephone number;||(2) The location name and address;||(3) The activation date;||(4) The types of transactions available;||(5) The processor's name, address, and telephone number;||(6) The servicing agent's name, address, and telephone number; and||(7) The dated signature, name, title, address, and telephone number of the person completing the notice; and||(b) Fee of $50 payable to the state of New Hampshire.||II. Commencing in the calendar year following an operator's compliance with paragraph I, the operator shall provide annually before July 1 to the commissioner a notice and fee in accordance with the provisions of subparagraph I(a) and a renewal fee of $5 payable to the state of New Hampshire.||III. The operator, without being assessed a fee, shall promptly notify the commissioner in writing:||(a) Of any changes to the information required under subparagraph I(a) as provided in the most current notice; or||(b) If the operation of the cash dispensing machine is terminated.||IV. The commissioner is authorized at any time to verify the completeness and accuracy of any notice required under this section, and in connection therewith:||(a) If the operator fails to promptly provide adequate documentation to and upon the request of the commissioner:||(1) The commissioner shall inform the operator of such failure and the provisions of paragraph V; and||(2) The operator's cash dispensing machine shall not be deemed in compliance for purposes of RSA 399-F:2, I(c) until the provisions of paragraph V are fulfilled.||(b) If the commissioner determines that any information provided in the most current notice is incomplete or inaccurate:||(1) The commissioner shall inform the operator of such discrepancy and the provisions of paragraph V; and||(2) The operator's cash dispensing machine shall not be deemed in compliance for purposes of RSA 399-F:2, I(c) until the provisions of paragraph V are fulfilled.||V. The operator of a cash dispensing machine who fails to completely and accurately abide by this section shall not legally establish or operate such cash dispensing machine until paragraph I is fully complied with, except that a fee of $100 shall be paid.||VI. In lieu of the operator, the cash dispensing machine's servicing agent may submit to the commissioner any information, documentation, or fees required pursuant to this section.||VII. If any filing deadline date falls on a weekend or on a New Hampshire state or federal legal holiday, the due date shall be automatically extended to the next business day following such weekend or holiday.|||Source. 1998, 358:1. 2016, 74:1-3, eff. July 18, 2016. 2019, 36:37, eff. May 15, 2019.|
NH Rev Stat § 399-F:4 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-F - Cash Dispensing Machines|Section 399-F:4 - Required Consumer Disclosures.

    399-F:4 Required Consumer Disclosures. –||I. An operator shall clearly and conspicuously disclose on a sign posted on the cash dispensing machine or in clear view of a consumer viewing the cash dispensing machine:||(a) The name of the operator;||(b) A disclaimer indicating that the operator is not a bank nor a credit union; and||(c) The name, address, and 24-hour toll-free telephone number where a consumer may direct inquiries or complaints.||II. An operator shall not charge a fee for use of a cash dispensing machine unless the amount of the fee is clearly and conspicuously disclosed:||(a) On a sign posted on the cash dispensing machine or in clear view of a consumer viewing the cash dispensing machine; and||(b) Electronically during the course of the transaction in a manner that permits the consumer to cancel the transaction without incurring the fee.||III. Failure to comply in good faith with the provisions of this section shall constitute an unfair or deceptive act or practice under RSA 358-A:2.|||Source. 1998, 358:1, eff. Aug. 25, 1998.|
NH Rev Stat § 399-F:5 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-F - Cash Dispensing Machines|Section 399-F:5 - Fee Collection.

    399-F:5 Fee Collection. –||I. Sums collected under this chapter shall be payable to the state treasurer as restricted revenue and credited to the appropriation for the commissioner.||II. [Repealed.]|||Source. 1998, 358:1. 2016, 74:4, eff. July 18, 2016.|
NH Rev Stat § 399-G:2 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-G - Licensing of Money Transmitters|Section 399-G:2 - License Required.

    399-G:2 License Required. –||I. Any person not exempt under RSA 399-G:3 that, in its own name or on behalf of other persons, acts as a money transmitter while physically located in New Hampshire, or with, to, or from persons located in New Hampshire, shall obtain a license from the department and shall register its authorized delegates located within this state.||II. Licensure or registration in the state of New Hampshire under this chapter does not constitute a finding that the commissioner has passed in any way upon the merits or qualifications of such person or that the commissioner has recommended or given approval to any such person. It is unlawful for any licensee or registrant to make, or cause to be made, to any prospective purchaser, customer, or client any representation inconsistent with the provisions of this paragraph.||III. Any license fee required by this chapter shall be paid before a license becomes effective. Authorized delegate registrations shall be effective upon the commissioner's receipt of written notice conditioned upon payment of the registration fee within 30 calendar days, as required by RSA 399-G:4.|||Source. 2015, 258:1, eff. Jan. 1, 2016.|
NH Rev Stat § 399-G:3 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-G - Licensing of Money Transmitters|Section 399-G:3 - Exemptions.

    399-G:3 Exemptions. –||The provisions of this chapter shall not apply to:||I. Any bank, trust company, savings and loan association, profit sharing and pension trust, credit union, thrift company, insurance company, or receivership, which may be chartered by this state or any other state or by any agency of the United States.||II. The United States or any department, instrumentality, or agency thereof.||III. A state, county, city, or any other governmental agency or governmental subdivision of a state.||IV. Electronic funds transfer of governmental benefits for a federal, state, county, or governmental agency by a contractor on behalf of the United States or a department, agency, or instrumentality thereof, or a state or governmental subdivision, agency, or instrumentality thereof.||V. Retailers issuing stored value credits or gift cards.||VI. A debt adjuster duly licensed pursuant to RSA 399-D that acts as a money transmitter for the sole purpose of providing a debt adjustment service to a consumer under terms of a contract issued pursuant to RSA 399-D and that has a surety bond on file with the commissioner under RSA 399-D in the amount of $100,000.||VI-a. Persons who engage in the business of selling or issuing payment instruments or stored value solely in the form of convertible virtual currency or receive convertible virtual currency for transmission to another location. Such persons shall be subject to the provisions of RSA 358-A.||VII. Other persons not within the intent of this chapter as the commissioner may designate by rule or order.|||Source. 2015, 258:1, eff. Jan. 1, 2016. 2017, 70:1, eff. Aug. 1, 2017.|
NH Rev Stat § 399-G:5 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-G - Licensing of Money Transmitters|Section 399-G:5 - License and Registration Grant and Renewal.

    399-G:5 License and Registration Grant and Renewal. –||I. Upon the applicant's filing of the complete application, and payment of the required fee, the commissioner shall have, in accordance with RSA 541-A:29, up to 120 days to investigate and determine whether the applicant's financial resources, experience, personnel, and record of past or proposed conduct warrant the public's confidence and the issuance of a license.||II. If the commissioner determines that the applicant meets the requirements of this chapter, then the commissioner shall issue a license and or registrations permitting the applicant to engage in the business of money transmission in accordance with the laws of this state.||III. Each license issued under the provisions of this chapter shall state the name and address of the principal office of the licensee. Each registration issued under the provisions of this chapter shall state the name and address of the authorized delegate location for which that registration is issued.||IV. If a licensee is a person other than a natural person, the license issued to it shall entitle all officers, directors, members, partners, trustees, and employees, and authorized delegates of the licensee to engage in the business of money transmission; provided that one officer, director, member, partner, employee, or trustee of such person shall be designated in the license as the individual to be contacted for purposes of this chapter.||V. If the licensee is a natural person, the license shall entitle all employees and authorized delegates of the licensee to engage in the business of money transmission.||VI. A principal office license or authorized delegate registration issued under this chapter shall not be transferable or assignable between persons without obtaining the approval of the commissioner before the assignment or transfer.||VII. Each license or registration shall remain in force until it has been surrendered, revoked, or suspended in accordance with the provisions of this chapter, or expires in accordance with the provisions of this chapter. Each license or registration shall expire on December 31 of each calendar year.||VIII. If a person holds a valid license or registration under this section and is in compliance with this chapter and the rules pursuant to this chapter, such licensee may renew the principal office license and authorized delegate registrations by paying the required fee to the banking department on or before December 31 for the ensuing year that begins on January 1. Failure to renew the license or registration shall result in the license or registration terminating on December 31.||IX. A renewal fee shall be submitted with the application for renewal as follows:||(a) $500 for the principal office license, and||(b) $25 for each authorized delegate registration.|||Source. 2015, 258:1, eff. Jan. 1, 2016. 2019, 36:43, eff. May 15, 2019.|