reglab/housing_qa huggingface dataset:
NV Rev Stat § 604A.240 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.240 - Collection of loans made outside State.

Any loan lawfully made outside this State as permitted by the laws of the state in which the loan was made may be collected or otherwise enforced in this State in accordance with its terms.  (Added to NRS by 2005, 1687)
NV Rev Stat § 604A.260 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.260 - Applicability of provisions of chapter governing enforcement or collection of obligations originated under chapter.

All provisions of this chapter governing enforcement or collection of an obligation originated under this chapter apply to:  1. Any purchaser or assignee of the obligation; and  2. Any person seeking to enforce or collect the obligation on behalf of a licensee.  (Added to NRS by 2007, 931)
NV Rev Stat § 604A.300 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.300 - Regulations.

  1. The Commissioner may establish by regulation the fees that a licensee who provides check-cashing services may impose for cashing checks.  2. The Commissioner shall adopt:  (a) Regulations to administer, carry out and enforce the provisions of NRS 604A.5983, 604A.5985 and 604A.5987.  (b) Any other regulations as are necessary to carry out the provisions of this chapter.  (Added to NRS by 2005, 1688; A 2019, 944)
NV Rev Stat § 604A.305 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.305 - Authority to inform public of certain information relating to licensees offering services through Internet website.

  1. To the extent of available funding, the Department of Business and Industry and the Bureau of Consumer Protection in the Office of the Attorney General may use reasonable means to inform the public that, pursuant to NRS 604A.579, 604A.589 and 604A.598, a person who offers deferred deposit loan services, high-interest loan services or title loan services through an Internet website to customers in this State must be licensed to perform such services pursuant to this chapter and must comply with any state or federal law or regulation applicable to this State.  2. As used in this section, "reasonable means" includes, without limitation, advertising through any medium, including, without limitation, radio, television, Internet, banner ads, social media, public service announcements, community education, publishing and such other means of distributing information as are reasonably calculated to inform the public of the information set forth in subsection 1.  (Added to NRS by 2019, 943)
NV Rev Stat § 604A.310 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.310 - Certain relationships between officers and employees of Division of Financial Institutions and licensees prohibited; duty to terminate prohibited relationships.

  1. Except as otherwise provided in subsection 3, an officer or employee of the Division of Financial Institutions of the Department of Business and Industry shall not:  (a) Be directly or indirectly interested in or act on behalf of any licensee;  (b) Receive, directly or indirectly, any payment from any licensee;  (c) Be indebted to any licensee;  (d) Engage in the negotiation of loans for others with any licensee; or  (e) Obtain credit or services from a licensee conditioned upon a fraudulent practice or undue or unfair preference over other customers.  2. An employee of the Division of Financial Institutions in the unclassified service of the State shall not obtain new extensions of credit from a licensee while in office.  3. Any officer or employee of the Division of Financial Institutions may be indebted to a licensee on the same terms as are available to the public generally.  4. If an officer or employee of the Division of Financial Institutions has a service, a preferred consideration, an interest or a relationship prohibited by this section at the time of his or her appointment or employment, or obtains it during his or her employment, he or she shall terminate it within 120 days after the date of his or her appointment or employment or the discovery of the prohibited act.  (Added to NRS by 2005, 1705)
NV Rev Stat § 604A.315 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.315 - Commissioner required to investigate alleged violations of chapter.

If the Commissioner receives information from a registered agent pursuant to NRS 77.410 which indicates that a person may be violating the provisions of this chapter, the Commissioner shall investigate the person and take any appropriate action pursuant thereto.  (Added to NRS by 2007, 2721) — (Substituted in revision for NRS 604A.402)
NV Rev Stat § 604A.400 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.400 - Operation of check-cashing service, deferred deposit loan service, high-interest loan service or title loan service without license prohibited; operation of deferred deposit loan service or high-interest loan service through automated loan machine prohibited; criminal penalties.

  1. A person, including, without limitation, a person licensed pursuant to chapter 675 of NRS, shall not operate a check-cashing service, deferred deposit loan service, high-interest loan service or title loan service unless the person is licensed with the Commissioner pursuant to the provisions of this chapter.  2. A person must have a license regardless of the location or method that the person uses to operate such a service, including, without limitation, 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 person shall not operate such a service through any automated loan machine in violation of the provisions of subsection 3.  3. A person shall not operate a deferred deposit loan service or high-interest loan service through any automated loan machine, and the Commissioner shall not issue a license that authorizes the licensee to conduct business through any automated loan machine.  4. Any person, and any member, officer, director, agent or employee thereof, who violates or participates in the violation of any provision of this section is guilty of a misdemeanor.  (Added to NRS by 2005, 1688; A 2005, 22nd Special Session, 97; 2007, 934)
NV Rev Stat § 604A.405 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.405 - Required notices and disclosures; regulations.

  1. A licensee shall post in a conspicuous place in every location at which the licensee conducts business under his or her license:  (a) A notice that states the fees the licensee charges for providing check-cashing services, deferred deposit loan services, high-interest loan services or title loan services.  (b) A notice that states that if the customer defaults on a loan, the licensee must offer a repayment plan to the customer before the licensee commences any civil action or process of alternative dispute resolution or repossesses a vehicle.  (c) A notice that states a toll-free telephone number to the Office of the Commissioner to handle concerns or complaints of customers.  (d) A notice that states the process for filing a complaint with the Commissioner.  The Commissioner shall adopt regulations prescribing the form and size of the notices required by this subsection.  2. If a licensee offers loans to customers 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 for an automated loan machine prohibited by NRS 604A.400, the licensee shall, as appropriate to the location or method for making the loan, post in a conspicuous place where customers will see it before they enter into a loan, or disclose in an open and obvious manner to customers before they enter into a loan, a notice that states:  (a) The types of loans the licensee offers and the fees he or she charges for making each type of loan; and  (b) A list of the states where the licensee is licensed or authorized to conduct business from outside this State with customers located in this State.  3. A licensee who provides check-cashing services shall give written notice to each customer of the fees he or she charges for cashing checks. The customer must sign the notice before the licensee provides the check-cashing service.  (Added to NRS by 2005, 1688; A 2007, 934; 2017, 1440)
NV Rev Stat § 604A.411 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.411 - Violation of provision of federal Warner Act constitutes violation of chapter.

Repealed. (See chapter 177, Statutes of Nevada 2019, at page 951.)
NV Rev Stat § 604A.501 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.501 - Limitations on original term.

  1. Except as otherwise provided in this chapter, the original term of a deferred deposit loan must not exceed 35 days.  2. Notwithstanding the provisions of NRS 604A.5029, a licensee who operates a deferred deposit loan service shall not agree to establish or extend the period for the repayment, renewal, refinancing or consolidation of an outstanding deferred deposit loan for a period that exceeds 90 days after the date of origination of the loan.  (Added to NRS by 2007, 931; A 2017, 1440) — (Substituted in revision for part of NRS 604A.408)
NV Rev Stat § 604A.5011 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.5011 - Licensee required to make determination of ability of customer to repay loan and compliance of loan with certain requirements before making loan.

  1. A licensee who operates a deferred deposit loan service shall not make a deferred deposit loan pursuant to this chapter unless the licensee determines pursuant to subsection 2 that the customer has the ability to repay the deferred deposit loan and that the deferred deposit loan complies with the provisions of NRS 604A.5017 or subsection 2 of NRS 604A.5029, as applicable.  2. For the purposes of subsection 1, a customer has the ability to repay a deferred deposit loan if the customer has a reasonable ability to repay the deferred deposit loan, as determined by the licensee after considering, to the extent available, the following underwriting factors:  (a) The current or reasonably expected income of the customer;  (b) The current employment status of the customer based on evidence including, without limitation, a pay stub or bank deposit;  (c) The credit history of the customer;  (d) The amount due under the original term of the deferred deposit loan, the monthly payment on the deferred deposit loan, if the deferred deposit loan is an installment loan, or the potential repayment plan if the customer defaults on the deferred deposit loan; and  (e) Other evidence, including, without limitation, bank statements, electronic bank statements and written representations to the licensee.  3. For the purposes of subsection 1, a licensee who operates a deferred deposit loan service shall not consider the ability of any person other than the customer to repay the deferred deposit loan.  (Added to NRS by 2017, 1438)
NV Rev Stat § 604A.5012 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.5012 - Written loan agreement required; contents.

  1. Before making a deferred deposit loan to a customer, a licensee who operates a deferred deposit loan service shall provide to the customer a written loan agreement which may be kept by the customer and which must be written in:  (a) English, if the transaction is conducted in English; or  (b) Spanish, if the transaction is conducted in Spanish.  2. The loan agreement for a deferred deposit loan must include, without limitation, the following information:  (a) The name and address of the licensee and the customer;  (b) The nature of the security for the deferred deposit loan, if any;  (c) The date and amount of the deferred deposit loan, amount financed, annual percentage rate, finance charge, total of payments, payment schedule and a description and the amount of every fee charged, regardless of the name given to the fee and regardless of whether the fee is required to be included in the finance charge under the Truth in Lending Act and Regulation Z;  (d) A disclosure of the right of the customer to rescind a deferred deposit loan pursuant to the provisions of this chapter;  (e) A disclosure of the right of the customer to pay his or her deferred deposit loan in full or in part with no additional charge pursuant to the provisions of this chapter;  (f) A disclosure stating that, if the customer defaults on the deferred deposit loan, the licensee must offer a repayment plan to the customer before the licensee commences any civil action or process of alternative dispute resolution; and  (g) Any other disclosures required under the Truth in Lending Act and Regulation Z or under any other applicable federal or state statute or regulation.  (Added to NRS by 2005, 1689; A 2007, 935) — (Substituted in revision for part of NRS 604A.410)
NV Rev Stat § 604A.5014 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.5014 - Requirements for collection of defaulted loan; civil action to collect debt; venue.

  1. If a customer defaults on a deferred deposit loan, the licensee who operates a deferred deposit loan service may collect the debt owed to the licensee only in a professional, fair and lawful manner. When collecting such a debt, the licensee must act in accordance with and must not violate sections 803 to 812, inclusive, of the federal Fair Debt Collection Practices Act, as amended, 15 U.S.C. §§ 1692a to 1692j, inclusive, even if the licensee is not otherwise subject to the provisions of that Act.  2. If a licensee who operates a deferred deposit loan service commences a civil action against a customer to collect a debt, the court may award:  (a) Court costs;  (b) Costs of service of process, except that the costs must not exceed the amount of the fees charged by the sheriff or constable for service of process in the county where the action was brought or, if the customer was not served in that county, in the county where the customer was served; and  (c) Reasonable attorney’s fees. In determining the amount of the attorney’s fees and whether they are reasonable, the court shall consider the complexity of the case, the amount of the debt and whether the licensee could have used less costly means to collect the debt.  3. Notwithstanding any provision of NRS 66.010 to the contrary, if:  (a) A licensee who operates a deferred deposit loan service intends to commence a civil action in a Justice Court against a customer to collect a debt; and  (b) The customer resides in the county where the deferred deposit loan was made,  the licensee is required to commence the civil action in the Justice Court for the township where the deferred deposit loan was made unless, after the date of default and before the licensee commences the civil action, the customer signs an affidavit agreeing to try the action in another Justice Court having jurisdiction over the subject matter and the parties. A licensee who operates a deferred deposit loan service shall not, directly or indirectly, require, intimidate, threaten or coerce a customer to sign such an affidavit.  (Added to NRS by 2005, 1689) — (Substituted in revision for part of NRS 604A.415)
NV Rev Stat § 604A.5015 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.5015 - Practices regarding customers who are members of military.

Notwithstanding any other provision of law:  1. If a customer who receives or attempts to receive deferred deposit loan services is a member of the military, a licensee who operates a deferred deposit loan 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 deferred deposit loan services is a member of the military, a licensee who operates a deferred deposit loan service shall not:  (a) Garnish or threaten to garnish any wages or salary of the customer or the customer’s spouse; or  (b) Contact or threaten to contact the military chain of command of a customer in an effort to collect the deferred deposit loan.  3. If a customer who receives or attempts to receive deferred deposit loan services is a member of the military and is deployed to a combat or combat supporting position, a licensee who operates a deferred deposit loan 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.5016 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.5016 - Provision of information and materials concerning public assistance and services.

A person who operates a deferred deposit loan service may, in consultation with the Department of Health and Human Services, distribute in a location at which the person conducts business under his or her license information and materials provided by the Department concerning public assistance and services provided by an agency or political subdivision of this State or the United States, including, without limitation, programs for debt reduction or relief, Medicaid, Supplemental Nutrition Assistance and Temporary Assistance for Needy Families.  (Added to NRS by 2019, 943)
NV Rev Stat § 604A.5017 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.5017 - Limitation regarding amount of loan. [Effective through June 30, 2020.]

  1. A licensee who operates a deferred deposit loan service shall not make a deferred deposit loan that exceeds 25 percent of the expected gross monthly income of the customer when the loan is made.  2. A licensee who operates a deferred deposit loan service is not in violation of the provisions of this section if the customer presents evidence of his or her gross monthly income to the licensee and represents to the licensee in writing that the deferred deposit loan does not exceed 25 percent of the customer’s expected gross monthly income when the loan is made.  (Added to NRS by 2005, 1690; A 2007, 936) — (Substituted in revision for part of NRS 604A.425)
NV Rev Stat § 604A.5017 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.5017 - Limitation regarding amount of loan. [Effective July 1, 2020.]

  1. A licensee who operates a deferred deposit loan service shall not make a deferred deposit loan that, in combination with any other outstanding loan of the customer, exceeds 25 percent of the expected gross monthly income of the customer when the deferred deposit loan is made.  2. A licensee who operates a deferred deposit loan service is not in violation of the provisions of this section if:  (a) The customer presents evidence of his or her gross monthly income to the licensee and represents to the licensee in writing that the deferred deposit loan does not exceed 25 percent of the customer’s expected gross monthly income when the loan is made; and  (b) The licensee has utilized the database established pursuant to NRS 604A.303 to ensure that the deferred deposit loan, in combination with any other outstanding loan of the customer, does not exceed 25 percent of the customer’s expected gross monthly income when the deferred deposit loan is made.  (Added to NRS by 2005, 1690; A 2007, 936; 2019, 944, effective July 1, 2020)
NV Rev Stat § 604A.5018 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.5018 - Prohibited acts by licensee regarding multiple loans to same customer.

  1. A licensee who operates a deferred deposit loan service shall not make more than one deferred deposit loan, single-advance, single-payment loan or high-interest loan to the same customer at one time or before any outstanding balance is paid in full on an existing loan made by that licensee to the customer unless:  (a) The customer is seeking multiple loans that do not exceed the limits set forth in NRS 604A.5017 or 604A.5045, as applicable;  (b) The licensee charges the same or a lower fee or service charge per $100 if it is a deferred deposit loan or single-advance, single-payment loan, or the same or a lower annual percentage rate of interest if it is a high-interest loan that is not a single-advance, single-payment loan, for any additional loans as the licensee charged for the initial loan;  (c) Except for that part of the finance charge which consists of interest only, the licensee does not impose any other charge or fee to initiate any additional loans, except that a licensee who makes deferred deposit loans or high-interest loans in accordance with the provisions of subsection 2 of NRS 604A.5029 or subsection 2 of NRS 604A.5057, as applicable, may charge a reasonable fee for preparing documents in an amount that does not exceed $50; and  (d) If the additional loans are deferred deposit loans and the customer provides one or more additional checks that are not paid upon presentment or one or more electronic transfers of money fail, the licensee does not charge any fees to the customer pursuant to NRS 604A.5031, except for the fees allowed pursuant to that section for the first check that is not paid upon presentment or electronic transfer of money that failed.  2. As used in this section, "single-advance, single-payment loan" means a transaction in which, pursuant to a loan agreement, a customer is given a single advance equal to the amount financed with payment in full due within 35 days after the date of the transaction.  (Added to NRS by 2005, 1690; A 2007, 936) — (Substituted in revision for part of NRS 604A.430)