reglab/housing_qa huggingface dataset:
NV Rev Stat § 107.073 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.073 - Marginal entries; reconveyance must be recorded if deed of trust recorded by photographic process; presentation of certificate executed by trustee or trustee’s personal representative or assignee.

  1. Except as otherwise provided in subsection 2, a recorded deed of trust may be discharged by an entry on the margin of the record thereof, signed by the trustee or the trustee’s personal representative or assignee in the presence of the recorder or the recorder’s deputy, acknowledging the satisfaction of or value received for the deed of trust and the debt secured thereby. The recorder or the recorder’s deputy shall subscribe the entry as witness. The entry has the same effect as a reconveyance of the deed of trust acknowledged and recorded as provided by law. The recorder shall properly index each marginal discharge.  2. If the deed of trust has been recorded by a microfilm or other photographic process, a marginal release may not be used and an acknowledged reconveyance of the deed of trust must be recorded.  3. If the recorder or the recorder’s deputy is presented with a certificate executed by the trustee or the trustee’s personal representative or assignee, specifying that the deed of trust has been paid or otherwise satisfied or discharged, the recorder or the recorder’s deputy shall discharge the deed of trust upon the record.  (Added to NRS by 1991, 1103; A 1993, 2335)
NV Rev Stat § 107.081 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.081 - Time and place of sale; agent holding sale not to be purchaser.

  1. All sales of property pursuant to NRS 107.080 must be made at auction to the highest bidder and must be made between the hours of 9 a.m. and 5 p.m. The agent holding the sale must not become a purchaser at the sale or be interested in any purchase at such a sale.  2. All sales of real property must be made at the public location in the county designated by the governing body of the county for that purpose.  (Added to NRS by 2005, 1620; A 2017, 545)
NV Rev Stat § 107.082 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.082 - Oral postponement of sale.

  1. If a sale of property pursuant to NRS 107.080 is postponed by oral proclamation, the sale must be postponed to a later date at the same time and location.  2. If such a sale has been postponed by oral proclamation three times, any new sale information must be provided by notice as provided in NRS 107.080.  (Added to NRS by 2005, 1621)
NV Rev Stat § 107.083 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.083 - Proceedings after purchaser refuses to pay amount bid.

  1. If a purchaser refuses to pay the amount the purchaser bid for the property struck off at a sale pursuant to NRS 107.080, the agent may again sell the property to the highest bidder, after again giving the notice previously provided.  2. If any loss is incurred from the purchaser refusing to pay the amount of the bid, the agent may recover the amount of the loss, with costs, for the benefit of the party aggrieved, by motion upon previous notice of 5 days to the purchaser, before any court of competent jurisdiction.  3. The court shall proceed in a summary manner in the hearing and disposition of such a motion, and give judgment and issue execution therefor forthwith, but the refusing purchaser may request a jury. The same proceedings may be had against any subsequent purchaser who refuses to pay, and the agent may, in the agent’s discretion, thereafter reject the bid of any person so refusing.  4. An agent is not liable for any amount other than the amount bid by the second or subsequent purchaser and the amount collected from the purchaser who refused to pay.  (Added to NRS by 2005, 1621)
NV Rev Stat § 107.084 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.084 - Penalty for removing or defacing notice of sale.

It is unlawful for a person to willfully remove or deface a notice posted pursuant to subsection 4 of NRS 107.080, if done before the sale or, if the default is satisfied before the sale, before the satisfaction of the default. In addition to any other penalty, any person who violates this section is liable in the amount of $500 to any person aggrieved by the removal or defacing of the notice.  (Added to NRS by 2005, 1620; A 2009, 2791)
NV Rev Stat § 107.095 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.095 - Notice of default: Mailing to guarantor or surety of debt; effect of failure to give.

  1. The notice of default required by NRS 107.080 must also be sent by registered or certified mail, return receipt requested and with postage prepaid or, if authorized by the parties, by electronic transmission to each guarantor or surety of the debt. If the address of the guarantor or surety is unknown, the notice must be sent to the address of the trust property. Failure to give the notice, except as otherwise provided in subsection 3, releases the guarantor or surety from his or her obligation to the beneficiary, but does not affect the validity of a sale conducted pursuant to NRS 107.080 or the obligation of any guarantor or surety to whom the notice was properly given.  2. Failure to give the notice of default required by NRS 107.090, except as otherwise provided in subsection 3, releases the obligation to the beneficiary of any person who has complied with NRS 107.090 and who is or may otherwise be held liable for the debt or other obligation secured by the deed of trust, but such a failure does not affect the validity of a sale conducted pursuant to NRS 107.080 or the obligation of any person to whom the notice was properly given pursuant to this section or to NRS 107.080 or 107.090.  3. A guarantor, surety or other obligor is not released pursuant to this section if:  (a) The required notice is given at least 15 days before the later of:  (1) The expiration of the 15- or 35-day period described in paragraph (a) of subsection 2 of NRS 107.080;  (2) In the case of any deed of trust which concerns owner-occupied housing, the expiration of the period described in paragraph (a) of subsection 1 of NRS 107.0805; or  (3) Any extension of the applicable period by the beneficiary; or  (b) The notice is rescinded before the sale is advertised.  (Added to NRS by 1989, 1770; A 2009, 1758; 2015, 3327; 2017, 4097, 4105, 4106; 2019, 1368)
NV Rev Stat § 107.100 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.100 - Receiver: Appointment after filing notice of breach and election to sell.

  1. At any time after the filing of a notice of breach and election to sell real property under a power of sale contained in a deed of trust, the trustee or beneficiary of the deed of trust may apply to the district court for the county in which the property or any part of the property is located for the appointment of a receiver of such property.  2. A receiver shall be appointed where it appears that personal property subject to the deed of trust is in danger of being lost, removed, materially injured or destroyed, that real property subject to the deed of trust is in danger of substantial waste or that the income therefrom is in danger of being lost, or that the property is or may become insufficient to discharge the debt which it secures.  (Added to NRS by 1965, 252)
NV Rev Stat § 107.120 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.120 - Board of county commissioners or governing body of incorporated city may establish by ordinance registry of abandoned residential property. [Effective through June 30, 2021.]

  1. A board of county commissioners or the governing body of an incorporated city may establish by ordinance:  (a) A registry of abandoned residential property that contains information concerning abandoned residential property located in the county or city.  (b) A registry of residential property located in the county or city that may be in danger of becoming abandoned residential property.  2. If a beneficiary of a deed of trust, the successor in interest of the beneficiary or the trustee includes with a notice of default and election to sell recorded pursuant to subsection 2 of NRS 107.080 the affidavit and certification described in subsection 6 of NRS 107.130 and the county or city in which the abandoned residential property is located has established a registry of abandoned residential property, the beneficiary or its successor in interest or the trustee must submit a copy of the affidavit and certification to the entity maintaining the registry for the county or city in which the abandoned residential property is located.  3. If a beneficiary of a deed of trust, the successor in interest of the beneficiary or the trustee receives a copy of the affidavit described in subsection 7 of NRS 107.130, the beneficiary or its successor in interest or the trustee must notify the entity maintaining the registry for the county or city in which the property described in the affidavit is located. Upon receiving such a notification, the entity maintaining the registry must remove the property from the registry.  4. If a property which has been removed from a registry established pursuant to this section subsequently becomes abandoned residential property or in danger of becoming abandoned residential property, the property may be added to the applicable registry in accordance with this section or the requirements established for the registry by the board of county commissioners or the governing body of an incorporated city.  (Added to NRS by 2013, 1545; A 2017, 546)
NV Rev Stat § 107.140 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.140 - Sale in lieu of foreclosure sale: Limitations.

No provision of the laws of this State may be construed to require a sale in lieu of a foreclosure sale to be an arm’s length transaction or to prohibit a sale in lieu of a foreclosure sale that is not an arm’s length transaction.  (Added to NRS by 2013, 2195; A 2015, 3345; 2019, 1371)
NV Rev Stat § 107.200 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.200 - Contents of statement regarding debt secured by deed of trust.

Except as otherwise provided in NRS 107.230, the beneficiary of a deed of trust secured on or after October 1, 1995, shall, within 21 days after receiving a request from a person authorized to make such a request pursuant to NRS 107.220, cause to be mailed, postage prepaid, or sent by facsimile machine to that person a statement regarding the debt secured by the deed of trust. The statement must include:  1. The amount of the unpaid balance of the debt secured by the deed of trust, the rate of interest on the unpaid balance and the total amount of principal and interest which is due and has not been paid.  2. The amount of the periodic payments, if any, required under the note.  3. The date the payment of the debt is due.  4. The period for which real estate taxes and special assessments have been paid, if that information is known to the beneficiary.  5. The amount of property insurance covering the real property and the term and premium of that insurance, if that information is known to the beneficiary.  6. The amount in an account, if any, maintained for the accumulation of money for the payment of taxes and insurance premiums.  7. The amount of any additional charges, costs or expenses paid or incurred by the beneficiary which is a lien on the real property described in the deed of trust.  8. Whether the debt secured by the deed of trust may be transferred to a person other than the grantor.  (Added to NRS by 1995, 1519)
NV Rev Stat § 107.210 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.210 - Contents of statement of amount necessary to discharge debt secured by deed of trust.

Except as otherwise provided in NRS 107.230 and 107.240, the beneficiary of a deed of trust secured on or after October 1, 1995, shall, within 21 days after receiving a request from a person authorized to make such a request pursuant to NRS 107.220, cause to be mailed, postage prepaid, or sent by facsimile machine to that person a statement of the amount necessary to discharge the debt secured by the deed of trust. The statement must set forth:  1. The identity of the trustee or the trustee’s personal representative or assignee, the current holder of the note secured by the deed of trust, the beneficiary of record and the servicers of the obligation or debt secured by the deed of trust;  2. The amount of money necessary to discharge the debt secured by the deed of trust on the date the statement is prepared by the beneficiary;  3. The information necessary to determine the amount of money required to discharge the debt on a per diem basis for a period, not to exceed 30 days, after the statement is prepared by the beneficiary; and  4. If the debt is in default, the amount in default, the principal amount of the obligation or debt secured by the deed of trust, the interest accrued and unpaid on the obligation or debt secured by the deed of trust, all fees imposed because of the default and the costs and fees charged to the debtor in connection with the exercise of the power of sale.  (Added to NRS by 1995, 1519; A 2011, 336, 1748)
NV Rev Stat § 107.220 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.220 - Persons authorized to request statement from beneficiary; proof of identity of successor in interest.

  1. A statement described in NRS 107.200 or 107.210 may be requested by:  (a) The grantor of, or a successor in interest in, the property which is the subject of the deed of trust;  (b) A person who has a subordinate lien or encumbrance of record on the property which is secured by the deed of trust;  (c) A title insurer; or  (d) An authorized agent of any person described in paragraph (a), (b) or (c).  A written statement signed by any person described in paragraph (a), (b) or (c) which appoints a person to serve as agent if delivered personally to the beneficiary or delivered by mail, return receipt requested, is proof of the identity of an agent.  2. For the purposes of paragraph (a) of subsection 1, a policy of title insurance, preliminary report issued by a title company, certified copy of letters testamentary or letters of guardianship, or an original or photographic copy of a deed, if delivered personally to the beneficiary or delivered by mail, return receipt requested, is proof of the identity of a successor in interest of the grantor, if the person demanding the statement is named as successor in interest in the document.  (Added to NRS by 1995, 1519)
NV Rev Stat § 107.230 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.230 - Proof of authorization to request statement.

A beneficiary may, before mailing a statement described in NRS 107.200 or 107.210, require the person who requested the statement to prove that the person is authorized to request that statement pursuant to NRS 107.220. If the beneficiary requires such proof, the beneficiary must mail the statement within 21 days after receiving proof from the requester.  (Added to NRS by 1995, 1520)
NV Rev Stat § 107.240 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.240 - Grounds for refusal to deliver statement.

If the debt secured by a deed of trust for which a statement described in NRS 107.210 has been requested is subject to a recorded notice of default or a filed complaint commencing a judicial foreclosure, the beneficiary may refuse to deliver the statement unless the written request for the statement is received before the publication of a notice of sale or the notice of the date of sale established by a court.  (Added to NRS by 1995, 1520)
NV Rev Stat § 107.250 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.250 - Reliance upon accuracy of statement and amended statement; notification of amended statement; recovery of money by beneficiary if statement is deficient.

  1. A person who receives a statement pursuant to NRS 107.200 or 107.210 may rely upon the accuracy of the information contained in the statement. If the beneficiary notifies the person who requested the statement of any amendment to the statement, the amended statement may be relied upon by that person in the same manner as the original statement.  2. If notification of an amendment to a statement is not given in writing, a written amendment to the statement must be delivered to the person who requested the original statement not later than the next business day after notification.  3. If a statement prepared by the beneficiary pursuant to NRS 107.200 does not contain the entire amount necessary to discharge the debt secured by the deed of trust and:  (a) A transaction has occurred which has resulted in the transfer of title or recordation of a lien; or  (b) A trustee’s sale or a sale supervised by a court has taken place,  the beneficiary may recover that money as an unsecured debt of the grantor pursuant to the terms of the note.  (Added to NRS by 1995, 1520)
NV Rev Stat § 107.260 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.260 - Copy of note or deed of trust for authorized requester.

If a person who is authorized pursuant to NRS 107.220 to request a statement described in NRS 107.200 or 107.210 includes in the request for such a statement a request for a copy of the note or deed of trust, the beneficiary shall mail a copy of the note or deed of trust with the statement at no additional charge.  (Added to NRS by 1995, 1520)
NV Rev Stat § 107.270 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.270 - Address to which request for statement must be mailed.

If the beneficiary has more than one place of business, a request for a statement described in NRS 107.200 or 107.210 must be made to the address to which the periodic payments under the note are made. If no periodic payments are made under the note, the request must be mailed to the address of the beneficiary listed on the note or deed of trust.  (Added to NRS by 1995, 1520)
NV Rev Stat § 107.280 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.280 - Debt to which information contained in statement is applicable.

Except as otherwise provided in a statement described in NRS 107.200 or 107.210, the information contained in the statement applies only to the debt secured by the deed of trust which is payable at the address to which the periodic payments are made. If periodic payments are not made under the note, the statement applies only to the entire debt secured by the deed of trust.  (Added to NRS by 1995, 1520)
NV Rev Stat § 107.290 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.290 - Unclear request for statement deemed to be request for amount necessary to discharge debt.

If a person requests a statement described in NRS 107.200 or 107.210 and it is not clear from the request which statement is requested, the request shall be deemed a request for a statement of the amount necessary to discharge the debt secured by a deed of trust.  (Added to NRS by 1995, 1521)
NV Rev Stat § 107.300 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.300 - Penalty for failure to deliver statement; bar to recovery of certain damages.

  1. A beneficiary who willfully fails to deliver a statement requested pursuant to NRS 107.200 or 107.210 within 21 days after it is requested is liable to the person who requested the statement in an amount of $300 and any actual damages suffered by the person who requested the statement.  2. A judgment awarded to a person who requested a statement pursuant to NRS 107.200 or 107.210 for failure to deliver a statement bars recovery of damages for any other failure to deliver that statement pursuant to a demand made within 6 months before or after the demand for which the judgment was awarded.  3. As used in this section, "willfully" means an intentional failure to comply with the requirements of NRS 107.200 or 107.210 without just cause.  (Added to NRS by 1995, 1521)
NV Rev Stat § 107.310 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.310 - Fee for furnishing statement.

The beneficiary may charge a fee of not more than $60 for each statement furnished pursuant to NRS 107.200 or 107.210.  (Added to NRS by 1995, 1521)
NV Rev Stat § 107.311 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.311 - Applicability of NRS 107.310.

The provisions of NRS 107.310 do not apply to deeds of trust insured by the Federal Housing Administrator or guaranteed by the Secretary of Veterans Affairs.  (Added to NRS by 1995, 1518)
NV Rev Stat § 107.400 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.400 - Definitions.

As used in NRS 107.400 to 107.560, inclusive, unless the context otherwise requires, the words and terms defined in NRS 107.410 to 107.450, inclusive, have the meanings ascribed to them in those sections.  (Added to NRS by 2013, 2185)
NV Rev Stat § 107.410 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.410 - "Borrower" defined.

Borrower means a natural person who is a mortgagor or grantor of a deed of trust under a residential mortgage loan. The term does not include a natural person who:  1. Has surrendered the secured property as evidenced by a letter confirming the surrender or the delivery of the keys to the property to the mortgagee, trustee, beneficiary of the deed of trust or an authorized agent of such a person.  2. Has filed a case under 11 U.S.C. Chapter 7, 11, 12 or 13 and the bankruptcy court has not entered an order closing or dismissing the bankruptcy case, or granting relief from a stay of foreclosure or trustee’s sale.  (Added to NRS by 2013, 2185)
NV Rev Stat § 107.420 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.420 - "Foreclosure prevention alternative" defined.

Foreclosure prevention alternative means a modification of a loan secured by the most senior residential mortgage loan on the property or any other loss mitigation option. The term includes, without limitation, a sale in lieu of a foreclosure sale.  (Added to NRS by 2013, 2185; A 2015, 3345; 2019, 1371)
NV Rev Stat § 107.430 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.430 - "Foreclosure sale" defined.

Foreclosure sale means the exercise of the trustee’s power of sale pursuant to NRS 107.080 or a sale directed by a court pursuant to NRS 40.430.  (Added to NRS by 2013, 2185)
NV Rev Stat § 107.440 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.440 - "Mortgage servicer" defined.

Mortgage servicer means a person who directly services a residential mortgage loan, or who is responsible for interacting with a borrower, managing a loan account on a daily basis, including, without limitation, collecting and crediting periodic loan payments, managing any escrow account or enforcing the note and security instrument, either as the current owner of the promissory note or as the authorized agent of the current owner of the promissory note. The term includes a person providing such services by contract as a subservicing agent to a master servicer by contract. The term does not include a trustee under a deed of trust, or the trustee’s authorized agent, acting under a power of sale pursuant to a deed of trust.  (Added to NRS by 2013, 2185)
NV Rev Stat § 107.450 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.450 - "Residential mortgage loan" defined.

Residential mortgage loan means a loan which is primarily for personal, family or household use and which is secured by a mortgage or deed of trust on owner-occupied housing.  (Added to NRS by 2013, 2185; A 2015, 3327; 2017, 4105, 4106; 2019, 1371)