reglab/housing_qa huggingface dataset:
LA Rev Stat § 9:3574.2 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3574.2. Definitions

RS 3574.2 - Definitions As used in this Part, unless the context otherwise requires: (1) "Advance fee" means any consideration which is assessed or collected prior to the issuance of a written commitment to make a loan that is binding on the lender, provided that certain conditions precedent are satisfied. (2) "Borrower" means a person obtaining or desiring to obtain a loan of money, a credit card, or a line of credit. (3) "Loan originator or broker" means any person, except any regulated or supervised financial organization, credit union, licensed commercial or consumer lender, insurance company, consumer loan broker, or mortgage broker or lender, provided that the person excepted is licensed or registered with and subject to regulation or supervision by an agency of the United States or any state and is acting within the scope of the license, charter, or other permit, who: (a) For, or in expectation of, consideration paid by the borrower, directly or indirectly arranges or attempts to arrange, or offers to fund or make a loan of money, a credit card, or a line of credit. (b) For, or in expectation of, consideration paid by the borrower, assists or advises a borrower, wherever located, in obtaining or attempting to obtain a loan of money, a credit card, a line of credit, or a related guarantee, enhancement, or collateral of any kind or nature. (c) Acts for, or on behalf of, a loan broker for the purpose of soliciting borrowers. (d) Holds himself out as a loan broker. (4) "Office" means the Office of Financial Institutions in the office of the governor. (5) "Person" means an individual or corporation, partnership, trust, association, joint venture pool, syndicate, sole proprietorship, unincorporated organization, or any other form of entity not specifically listed herein. A "person" shall not include an agency or instrumentality established or chartered under the laws of the United States. (6) "Principal" means any officer, director, owner, sole proprietor, partner, member, joint venturer, manager, or other person with similar managerial or supervisory responsibilities for a person who makes or offers to make or broker loans, whatever his job title. Added by Acts 1992, No. 346, §1, eff. June 17, 1992. Amended by Acts 1993, No. 283, §1, eff. July 1, 1993; Acts 2001, No. 8, §4, eff. July 1, 2001; Acts 2001, No. 9, §2, eff. July 1, 2001.
LA Rev Stat § 9:3574.3 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3574.3. Advance fees; prohibited acts

RS 3574.3 - Advance fees; prohibited acts  No loan originator or broker shall:  (1) Assess or collect an advance fee from a borrower to provide services as a loan originator or broker. Notwithstanding the foregoing, a person who originates or brokers commercial loans may accept from a potential borrower an advance expense deposit for commercial loans, but such deposit shall not exceed the good faith estimate of the actual cost of any appraisal, title search, or credit reports performed by a person independent of the loan originator or broker, and required by the originating lender for the evaluation of the potential borrower's commercial loan application. Any expense deposit which exceeds the actual cost of any appraisal, title search, or credit reports shall be promptly refunded to the borrower or credited to the borrower's account at the time of the commercial loan closing. For purposes of this Part, a "commercial loan" means any loan the purpose of which is not for personal, family, or household use. (2) Make or use any false or misleading representations or omit any material fact in the offer or sale of his services, or engage, directly or indirectly, in any act that operates or would operate as fraud or deception upon any person in connection with the offer or sale of the services of a loan originator or broker, notwithstanding the absence of reliance by the buyer. (3) Make or use any false or deceptive representation in its business dealings. (4) Make or use any false or deceptive representation to the office or conceal a material fact from the office. Acts 1992, No. 346, §1, eff. June 17, 1992.
LA Rev Stat § 9:3574.4 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3574.4. Responsibility of principals

RS 3574.4 - Responsibility of principals  Each principal of a loan originator or broker may be sanctioned for actions by the loan originator or broker, including its agents or employees, engaged in during the course of business of the loan originator or broker. Acts 1992, No. 346, §1, eff. June 17, 1992.
LA Rev Stat § 9:3574.5 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3574.5. Investigations; cease and desist orders; administrative fines

RS 3574.5 - Investigations; cease and desist orders; administrative fines  A. The office may investigate the actions of any person for compliance with this Part. B. The office may order a person to cease and desist whenever the office determines that the person has violated, is violating, or will violate any provision of this Part, any rule or order promulgated by the office, or any written agreement entered into with the office. C. The office may impose and collect an administrative fine against any person found to have violated any provision of this Part, any rule or order promulgated by the office, or any written agreement entered into with the office in an amount not to exceed five thousand dollars for each such violation. Each loan originated or brokered may be considered a separate violation. All fines collected hereunder shall be deposited in the Louisiana Consumer Credit Education Fund, provided such fund is in existence at the time of payment of the fine. Acts 1992, No. 346, §1, eff. June 17, 1992.
LA Rev Stat § 9:3574.7 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3574.7. Injunction to restrain violations

RS 3574.7 - Injunction to restrain violations  A. Whenever the office determines, from evidence satisfactory to it, that any person has engaged, is engaged, or is about to engage in an act or practice constituting a violation of this Part, or a rule or order promulgated thereunder, the office may bring action in the name and on behalf of the state against such person and any other person concerned in or in any way participating in or about to participate in such practice, or engaging therein, or doing any act or acts in furtherance thereof or in violation of this Part to enjoin the person or persons from continuing the violation or acts in furtherance thereof. In such court proceedings, the office may apply for, and on due showing be entitled to have issued, the court's subpoena requiring the appearance of any defendant and his employees or agents, and the production of documents, books, and records that may appear necessary for the hearing of such petition, to testify or give evidence concerning the acts or conduct or things complained of in such application for injunction. B. In addition to all other means provided by law for the enforcement of any temporary restraining order, temporary injunction, or permanent injunction issued in such court proceedings, the court shall have the power and jurisdiction, upon application of the office, to impound and to appoint a receiver or administrator for the property, assets, and business of the loan originator or broker, including but not limited to the books, records, documents, and papers appertaining thereto. Such receiver or administrator, when appointed and qualified, shall have all powers and duties as to custody, collection, administration, winding up, and liquidation of said property and business as shall from time to time be conferred upon him by the court. In such action, the court may issue orders and decrees staying all pending suits and enjoining any further suits affecting the receiver's or administrator's custody or possession of the said property, assets, and business or, in its discretion, may, with the consent of the presiding judge of the district, require that all such suits be assigned to the district court judge appointing the said receiver or administrator. C. In addition to any other remedies provided by this Part, the office may apply to the court hearing this matter for an order of restitution whereby the defendants in such action shall be ordered to make restitution of those sums shown by the office to have been obtained by them in violation of any of the provisions of this Part. Such restitution shall, at the option of the court, be payable to the administrator or receiver appointed pursuant to this Section or directly to the persons whose assets were obtained in violation of this Part. Acts 1992, No. 346, §1, eff. June 17, 1992.
LA Rev Stat § 9:3574.8 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3574.8. Criminal penalties

RS 3574.8 - Criminal penalties  Whoever violates any provision of this Part commits a felony and shall be fined not more than fifty thousand dollars, or imprisoned with or without hard labor for not more than ten years, or both. Acts 1992, No. 346, §1, eff. June 17, 1992.
LA Rev Stat § 9:3574.9 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3574.9. Actions for damages

RS 3574.9 - Actions for damages  A. Any borrower injured by a violation of this Part may bring an action for recovery of damages. Judgment shall be entered for actual damages, but in no case less than the amount paid by the borrower to the loan originator or broker, plus reasonable attorney fees and costs. A penalty not to exceed three times the amount of actual damages may also be assessed the loan originator or broker and be awarded to the borrower. B. Any borrower injured by a violation of this Part may bring an action against the surety bond or trust account, if any, of the loan originator or broker. C. The remedies provided under this Part are in addition to any other procedures or remedies for any violation or conduct provided for in any other law. Acts 1992, No. 346, §1, eff. June 17, 1992.
LA Rev Stat § 9:3574.10 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3574.10. Duties and powers of the office

RS 3574.10 - Duties and powers of the office  A. The office shall be responsible for the administration and enforcement of this Part. The attorney general for the state of Louisiana may assist and cooperate in and have coordinate investigation and enforcement powers in actions seeking to remedy violations of this Part. B. The office may adopt such rules as it may deem necessary in the administration of this Part and not inconsistent therewith. Acts 1992, No. 346, §1, eff. June 17, 1992.
LA Rev Stat § 9:3575.1 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3575.1. Repealed by Acts 1997, No. 798, §1.

RS 3575.1 - Repealed by Acts 1997, No. 798, §1.
LA Rev Stat § 9:3575.2 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3575.2. Repealed by Acts 1997, No. 798, §1.

RS 3575.2 - Repealed by Acts 1997, No. 798, §1.
LA Rev Stat § 9:3575.3 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3575.3. Repealed by Acts 1997, No. 798, §1.

RS 3575.3 - Repealed by Acts 1997, No. 798, §1.
LA Rev Stat § 9:3575.4 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3575.4. Repealed by Acts 1997, No. 798, §1.

RS 3575.4 - Repealed by Acts 1997, No. 798, §1.
LA Rev Stat § 9:3575.5 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3575.5. Repealed by Acts 1997, No. 798, §1.

RS 3575.5 - Repealed by Acts 1997, No. 798, §1.
LA Rev Stat § 9:3575.6 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3575.6. Repealed by Acts 1997, No. 789, §1.

RS 3575.6 - Repealed by Acts 1997, No. 789, §1.
LA Rev Stat § 9:3575.7 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3575.7. Repealed by Acts 1997, No. 798, §1.

RS 3575.7 - Repealed by Acts 1997, No. 798, §1.
LA Rev Stat § 9:3575.8 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3575.8. Repealed by Acts 1997, No. 798, §1.

RS 3575.8 - Repealed by Acts 1997, No. 798, §1.
LA Rev Stat § 9:3575.9 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3575.9. Repealed by Acts 1997, No. 798, §1.

RS 3575.9 - Repealed by Acts 1997, No. 798, §1.
LA Rev Stat § 9:3575.10 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3575.10. Repealed by Acts 1997, No. 798, §1.

RS 3575.10 - Repealed by Acts 1997, No. 798, §1.
LA Rev Stat § 9:3576.1 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3576.1. Repealed by Acts 2003, No. 638, §1.

RS 3576.1 - Repealed by Acts 2003, No. 638, §1.
LA Rev Stat § 9:3576.2 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3576.2. Repealed by Acts 2003, No. 638, §1.

RS 3576.2 - Repealed by Acts 2003, No. 638, §1.
LA Rev Stat § 9:3576.3 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3576.3. Repealed by Acts 2003, No. 638, §1.

RS 3576.3 - Repealed by Acts 2003, No. 638, §1.
LA Rev Stat § 9:3576.4 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3576.4. Repealed by Acts 2003, No. 638, §1.

RS 3576.4 - Repealed by Acts 2003, No. 638, §1.
LA Rev Stat § 9:3576.5 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3576.5. Repealed by Acts 2003, No. 638, §1.

RS 3576.5 - Repealed by Acts 2003, No. 638, §1.
LA Rev Stat § 9:3576.6 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3576.6. Repealed by Acts 2003, No. 638, §1.

RS 3576.6 - Repealed by Acts 2003, No. 638, §1.
LA Rev Stat § 9:3576.7 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3576.7. Repealed by Acts 2003, No. 638, §1.

RS 3576.7 - Repealed by Acts 2003, No. 638, §1.
LA Rev Stat § 9:3576.8 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3576.8. Repealed by Acts 2003, No. 638, §1.

RS 3576.8 - Repealed by Acts 2003, No. 638, §1.
LA Rev Stat § 9:3576.9 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3576.9. Repealed by Acts 2003, No. 638, §1.

RS 3576.9 - Repealed by Acts 2003, No. 638, §1.
LA Rev Stat § 9:3576.10 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3576.10. Repealed by Acts 2003, No. 638, §1.

RS 3576.10 - Repealed by Acts 2003, No. 638, §1.
LA Rev Stat § 9:3576.11 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3576.11. Repealed by Acts 2003, No. 638, §1.

§3576.11 Repealed by Acts 2003, No. 638, §1.
LA Rev Stat § 9:3576.12 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3576.12. Repealed by Acts 2003, No. 638, §1.

RS 3576.12 - Repealed by Acts 2003, No. 638, §1.
LA Rev Stat § 9:3576.13 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3576.13. Repealed by Acts 2003, No. 638, §1.

RS 3576.13 - Repealed by Acts 2003, No. 638, §1.
LA Rev Stat § 9:3576.14 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3576.14. Repealed by Acts 2003, No. 638, §1.

RS 3576.14 - Repealed by Acts 2003, No. 638, §1.
LA Rev Stat § 9:3576.15 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3576.15. Repealed by Acts 2003, No. 638, §1.

RS 3576.15 - Repealed by Acts 2003, No. 638, §1.
LA Rev Stat § 9:3576.16 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3576.16. Repealed by Acts 2003, No. 638, §1.

RS 3576.16 - Repealed by Acts 2003, No. 638, §1.
LA Rev Stat § 9:3576.17 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3576.17. Repealed by Acts 2003, No. 638, §1.

RS 3576.17 - Repealed by Acts 2003, No. 638, §1.
LA Rev Stat § 9:3576.18 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3576.18. Repealed by Acts 2003, No. 638, §1.

RS 3576.18 - Repealed by Acts 2003, No. 638, §1.
LA Rev Stat § 9:3576.19 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3576.19. Repealed by Acts 2003, No. 638, §1.

RS 3576.19 - Repealed by Acts 2003, No. 638, §1.
LA Rev Stat § 9:3576.20 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3576.20. Repealed by Acts 2003, No. 638, §1.

RS 3576.20 - Repealed by Acts 2003, No. 638, §1.
LA Rev Stat § 9:3576.21 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3576.21. Repealed by Acts 2003, No. 638, §1.

RS 3576.21 - Repealed by Acts 2003, No. 638, §1.
LA Rev Stat § 9:3576.22 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3576.22. Repealed by Acts 2003, No. 638, §1.

RS 3576.22 - Repealed by Acts 2003, No. 638, §1.
LA Rev Stat § 9:3576.23 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3576.23. Repealed by Acts 2003, No. 638, §1.

RS 3576.23 - Repealed by Acts 2003, No. 638, §1.
LA Rev Stat § 9:3576.24 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3576.24. Repealed by Acts 2003, No. 638, §1.

RS 3576.24 - Repealed by Acts 2003, No. 638, §1.
LA Rev Stat § 9:3577.1 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3577.1. Short title

RS 3577.1 - Short title This Part may be cited as the "College Campus Credit Card Solicitation Act". Acts 1999, No. 1110, §1.
LA Rev Stat § 9:3577.2 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3577.2. Definitions

RS 3577.2 - Definitions The following words and phrases when used in this Part shall have the meanings ascribed to them below: (1) "College campus" means the premises and grounds of an institution of postsecondary education. (2) "Commissioner" means the commissioner of financial institutions. (3) "Credit card" means a writing, number, or other evidence of an undertaking to pay for property or services delivered or rendered to or upon the order of a designated person or bearer. (4) "Institution of postsecondary education" means any institution under the management of the Board of Supervisors for the University of Louisiana System, the Board of Supervisors of Louisiana State University and Agricultural and Mechanical College, the Board of Supervisors of Southern University and Agricultural and Mechanical College, and the Board of Supervisors of Community and Technical Colleges or any private or accredited college in the state. (5) "Solicitation" means an act of asking, enticing, or requesting a student to read, review, or consider materials relating to an application for a credit card or to complete an application for a credit card. (6) "Student" means a person who is under twenty-one years of age and who attends an institution of postsecondary education, whether enrolled on a full-time or part-time basis. Acts 1999, No. 1110, §1.
LA Rev Stat § 9:3577.3 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3577.3. Registration prior to solicitation; inducements prohibited

RS 3577.3 - Registration prior to solicitation; inducements prohibited A. Prior to engaging in the solicitation of a student on a college campus, a credit card issuer shall register its intent to solicit the student for that purpose with an appropriate official of the institution of postsecondary education. B. The registration shall include the principal place of business of the credit card issuer and shall be in such form as required by regulation of the commissioner. C. It shall be unlawful for any credit card issuer to give or offer to give, directly or indirectly, orally or in writing, any gratuity or other thing of value, or advertise the offering of such as an inducement for a student to read, review, or consider materials relating to an application for a credit card or to complete an application for a credit card, unless the student has been provided a credit card debt education brochure. Acts 1999, No. 1110, §1; Acts 2003, No. 1010, §1.
LA Rev Stat § 9:3577.4 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3577.4. Debt collection against parent or guardian prohibited

RS 3577.4 - Debt collection against parent or guardian prohibited It shall be unlawful for a credit card issuer to take any debt collection action, including but not limited to telephone calls or demand letters against the parent or legal guardian of a student for whom a credit card has been issued, unless the parent or legal guardian has agreed in writing to be liable for the debts of the student under the credit card agreement. Acts 1999, No. 1110, §1.
LA Rev Stat § 9:3577.5 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3577.5. Violations; penalties

RS 3577.5 - Violations; penalties A person who violates any provision of this Part may be fined up to one thousand dollars for each violation. The commissioner may maintain a civil action in a court of competent jurisdiction to recover such fines, together with his costs and attorney fees incident to such action. Acts 1999, No. 1110, §1.
LA Rev Stat § 9:3578.1 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3578.1. Short title

RS 3578.1 - Short title This Chapter shall be known and may be cited as the "Louisiana Deferred Presentment and Small Loan Act". Acts 1999, No. 1315, §§1, 2, eff. Jan. 1, 2000.
LA Rev Stat § 9:3578.2 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3578.2. Legislative intent

RS 3578.2 - Legislative intent It is the intent of the legislature to regulate deferred presentment transactions and small loans. These loans meet a legitimate credit need for many consumers; however, in order to protect consumers from excessive charges, it is the intent of the legislature to put certain restrictions on lenders who make these loans. Acts 1999, No. 1315, §§1, 2, eff. Jan. 1, 2000.
LA Rev Stat § 9:3578.3 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3578.3. Definitions

RS 3578.3 - Definitions As used in this Chapter, the following terms have the following meanings ascribed to them: (1) "Commissioner" means the commissioner of the office of financial institutions. (2) "Deferred presentment transaction" means a transaction made pursuant to a written agreement whereby a licensee: (a) Accepts a check from the issuer dated as of the date it was written; (b) Agrees to hold the check for a period of time not to exceed thirty days prior to negotiation or presentment; and (c) Pays to the issuer of the check the amount of the check less the fee permitted in R.S. 9:3578.4(A). The amount paid to the issuer of the check may not exceed three hundred fifty dollars. (3) "Licensee" means a person licensed pursuant to this Chapter that offers deferred presentment transactions or small loans, or both. (4) "Partial payment" means a payment of fifty dollars or more on a deferred presentment transaction or small loan. (5) "Prepayment" means payment in full of the deferred presentment transaction or small loan amount prior to the end of the term of that transaction or loan. (6) "Small loan" means a consumer loan, as defined in R.S. 9:3516(14), of three hundred fifty dollars or less, made for a term of sixty days or less. Acts 1999, No. 1315, §§1, 2, eff. Jan. 1, 2000.