reglab/housing_qa huggingface dataset:
AL Code § 8-30-3 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 30 - Burial Services, Merchandise, and Property.|Section 8-30-3 - Prohibited Actions.

Section 8-30-3Prohibited actions. It shall be unlawful for any cemetery: (1) To sell or offer to sell any cemetery property, burial lot, burial rights, burial services, or burial merchandise by means of any oral or written untrue statement of a material fact or any omission of a material fact. (2) In connection with the offer, sale, or purchase of any cemetery property, burial lot, burial rights, burial services, or burial merchandise, directly or indirectly: a. To employ any device, scheme, or artifice to defraud. b. To engage in any transaction, act, practice, or course of business which operates or would operate as a fraud or deceit upon the purchaser or seller. (3) To sell or offer to sell any cemetery property, burial lot, burial rights, burial services, or burial merchandise by means of any oral or written contract at a price that is above the posted amount. (Acts 1995, No. 95-760, p. 1783, §3.)
AL Code § 8-30-4 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 30 - Burial Services, Merchandise, and Property.|Section 8-30-4 - Penalty for Violation of Chapter.

Section 8-30-4Penalty for violation of chapter. Any person who violates this chapter is guilty of a Class A misdemeanor. (Acts 1995, No. 95-760, p. 1783, §4.)
AL Code § 8-31-1 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 31 - Alabama Unconscionable Pricing Act.|Section 8-31-1 - Short Title.

Section 8-31-1Short title. This chapter shall be known and may be cited as the "Alabama Unconscionable Pricing Act." (Acts 1996, No. 96-171, p. 195, §1.)
AL Code § 8-31-2 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 31 - Alabama Unconscionable Pricing Act.|Section 8-31-2 - Definitions.

Section 8-31-2Definitions. As used in this chapter, the following words and phrases have the following meanings unless a different meaning is required by the context: (1) COMMODITY. Any goods, services, materials, merchandise, supplies, equipment, resources, or other articles of commerce, and includes, without limitation, all services offered or provided or work performed or offered to be performed as an occupation or business to consumers and food, water, ice, chemicals, petroleum products, and lumber necessary for consumption or use as a direct result of the emergency. (2) PERSON. Shall include, but not be limited to, natural persons, corporations, trusts, partnerships, incorporated or unincorporated associations, and any other legal entity. (3) RENTAL FACILITY. Shall include, but not be limited to, any hotel, motel, boarding house, dwelling house, and self storage facility offered for rent or lease. (Acts 1996, No. 96-171, p. 195, §2; Act 2003-336, p. 843, §1.)
AL Code § 8-31-3 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 31 - Alabama Unconscionable Pricing Act.|Section 8-31-3 - Prohibition of Unconscionable Pricing During Declared State of Emergency.

Section 8-31-3Prohibition of unconscionable pricing during declared state of emergency. It is unlawful and a violation of Section 8-19-5, for any person to impose unconscionable prices for the sale or rental of any commodity or rental facility during the period of a declared state of emergency. (Acts 1996, No. 96-171, p. 195, §3.)
AL Code § 8-31-4 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 31 - Alabama Unconscionable Pricing Act.|Section 8-31-4 - Determination of Unconscionable Price During a State of Emergency.

Section 8-31-4Determination of unconscionable price during a state of emergency. It is prima facie evidence that a price is unconscionable if any person, during a state of emergency declared pursuant to the powers granted to the Governor in Section 31-9-8, charges a price that exceeds, by an amount equal to or in excess of twenty-five percent the average price at which the same or similar commodity or rental facility was obtainable in the affected area during the last 30 days immediately prior to the declared state of emergency and the increase in the price charged is not attributable to reasonable costs incurred in connection with the rental or sale of the commodity. (Acts 1996, No. 96-171, p. 195, §4; Act 2001-1104, 4th Sp. Sess., p. 1168, §1; Act 2003-336, p. 843, §1.)
AL Code § 8-31-5 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 31 - Alabama Unconscionable Pricing Act.|Section 8-31-5 - Penalties for Violation of Chapter; Penalties Collected Remitted to State Treasurer; Suspension or Revocation of License or Certificate.

Section 8-31-5Penalties for violation of chapter; penalties collected remitted to State Treasurer; suspension or revocation of license or certificate. (a) Upon an entry of judgement or decree for a violation of this chapter, the court shall impose a civil penalty not to exceed one thousand dollars ($1,000) per violation with an aggregate total not to exceed twenty-five thousand dollars ($25,000) for any 24-hour period. (b) All penalties collected under this chapter shall be remitted by the circuit court to the State Treasurer and shall be credited to the account of either the office of the Attorney General or the office of the district attorney whichever initiated the action resulting in the imposition of such penalties. (c) Upon a showing to the court by the office of the Attorney General or the office of the district attorney that a person has engaged in continuous and willful violations of this chapter, the court may suspend or revoke any license or certificate authorizing that person to engage in business in this state or the court may enjoin any person from engaging in business in this state. (Acts 1996, No. 96-171, p. 195, §5.)
AL Code § 8-31-6 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 31 - Alabama Unconscionable Pricing Act.|Section 8-31-6 - Private Cause of Action Not Created.

Section 8-31-6Private cause of action not created. Nothing in this chapter creates a private cause of action in favor of any person damaged by a violation of this chapter. (Acts 1996, No. 96-171, p. 195, §6.)
AL Code § 8-32-1 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 32 - Service Contracts.|Section 8-32-1 - Purpose.

Section 8-32-1Purpose. (a) The purpose of this chapter is to create a framework to regulate service contracts sold to consumers in this state. (b) The following are exempt from Sections 8-32-2 to 8-32-12, inclusive, of this chapter: (1) Warranties. (2) Maintenance agreements. (3) Warranties, service contracts, or maintenance agreements offered by electric, gas, water, or telephone utilities on their transmission devices. (4) Service contracts sold or offered for sale in commercial transactions. (5) Service contracts sold or offered for sale to persons other than consumers. (6) Service contracts sold at the point of sale, or within 60 days of the original purchase date of the property, which cover tangible property where the tangible property for which the service contract is sold, has a purchase price of two hundred and fifty dollars ($250) or less, exclusive of sales tax. (c) Manufacturer's service contracts on the manufacturer's products and service contracts sold or offered for sale by Alabama electric cooperatives, and their subsidiaries and affiliates, including without limitation, affiliates managed or controlled by electric cooperatives, are required to comply only with Section 8-32-3(a), Section 8-32-3(g), Section 8-32-5(a), Section 8-32-5(d) to (n), inclusive, Section 8-32-6, Section 8-32-10(a), and Section 8-32-10(c) to (f), inclusive, as applicable, of this chapter. (d) The types of agreements referred to in subsections (b) and (c) are not insurance for any purpose including, without limitation, compliance with the Alabama Insurance Code. (Acts 1997, No. 97-445, p. 753, §1.)
AL Code § 8-32-4 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 32 - Service Contracts.|Section 8-32-4 - Required Provisions, Reimbursement Insurance Policy.

Section 8-32-4Required provisions, reimbursement insurance policy. Reimbursement insurance policies insuring service contracts sold in this state shall provide that, upon failure of the provider to perform under the service contract, including, without limitation, failure to refund or credit the unearned portion of the purchase price of the service contract to the extent required by this chapter, the insurer that issued the reimbursement insurance policy shall pay on behalf of the provider any sums the provider is legally obligated to pay to a service contract holder, or shall provide the service which the provider is legally obligated to perform, according to the provider's contractual obligations under the service contracts sold by the provider. The reimbursement insurance company shall be responsible to refund only the unearned premium net of the unearned provider fee, and the provider shall be responsible for refunding or crediting the unearned provider fee in excess of the unearned premium. If the provider fails to refund or credit any portion of the unearned provider fee required to be refunded or credited by this chapter, the reimbursement insurance company shall be responsible for the entire refund of the unearned premium and unearned provider fee. The amount of the reserve relative to the unearned provider fee to be maintained by the reimbursement insurance company shall be based on the loss experience of the reimbursement insurance company as certified by an actuary. (Acts 1997, No. 97-445, p. 753, §4.)
AL Code § 8-32-6 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 32 - Service Contracts.|Section 8-32-6 - Prohibited Acts.

Section 8-32-6Prohibited acts. (a) A provider shall not use in its name the words insurance, casualty, surety, mutual, or any other words descriptive of the insurance, casualty, or surety business; or a name deceptively similar to the name or description of any insurance or surety corporation, or to the name of any other provider. The word "guaranty" or similar word may be used by a provider. This section shall not apply to a company that was using any of the prohibited language in its name prior to August 1, 1997. However, a company using the prohibited language in its name shall include in its service contracts a statement in substantially the following form: "This agreement is not an insurance contract." (b) A person, such as a bank, savings and loan association, lending institution, manufacturer, or seller of any product, shall not require the purchase of a service contract as a condition of a loan or a condition for the sale of any property. (Acts 1997, No. 97-445, p. 753, §6.)
AL Code § 8-32-7 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 32 - Service Contracts.|Section 8-32-7 - Record Keeping Requirements.

Section 8-32-7Record keeping requirements. (a)(1) The provider shall keep accurate accounts, books, and records concerning transactions regulated under this chapter. (2) The provider's accounts, books, and records shall include the following: a. Copies of each type of service contract sold. b. The name and address of each service contract holder to the extent that the name and address have been furnished by the service contract holder. c. A list of the locations where service contracts are marketed, sold, or offered for sale. d. Recorded claims files which shall contain at least the dates, amounts, and description of all receipts, claims, and expenditures related to the service contracts. (3) The provider shall retain all records required to be maintained by this subsection (a) for at least three years after the specified period of coverage has expired. (4) The records required under this chapter may be, but are not required to be, maintained on a computer disk or other record keeping technology. If the records are maintained in other than hard copy, the records shall be capable of duplication to legible hard copy at the request of the commissioner. (b) A provider discontinuing business in this state shall maintain its records until it furnishes the commissioner satisfactory proof that it has discharged all obligations to service contract holders in this state. (Acts 1997, No. 97-445, p. 753, §7.)
AL Code § 8-32-8 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 32 - Service Contracts.|Section 8-32-8 - Cancellation of Reimbursement Insurance Policy.

Section 8-32-8Cancellation of reimbursement insurance policy. To the extent applicable, an insurer that issued a reimbursement insurance policy shall not terminate the policy until a notice of termination in accordance with Chapter 40 of Title 27 has been mailed or delivered to the commissioner. The termination of a reimbursement insurance policy shall not reduce the issuer's responsibility for service contracts sold by providers which it insured prior to the date of the termination. (Acts 1997, No. 97-445, p. 753, §8.)
AL Code § 8-32-9 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 32 - Service Contracts.|Section 8-32-9 - Obligation of Reimbursement Insurance Policy Insurers.

Section 8-32-9Obligation of reimbursement insurance policy insurers. (a) Where reimbursement insurance is applicable, providers are considered to be the agent of the insurer which issued the reimbursement insurance policy solely for purposes of obligating the insurers to service contract holders in accordance with the service contract and this chapter. In cases where a provider is acting as an administrator and enlists other providers, the provider acting as the administrator shall notify the insurer of the existence and identities of the other providers. (b) This chapter shall not prevent or limit the right of an insurer which issued a reimbursement insurance policy to seek indemnification or subrogation against a provider if the insurer pays or is obligated to pay the service contract holder sums that the provider was obligated to pay pursuant to the provisions of the service contract. (Acts 1997, No. 97-445, p. 753, §9.)
AL Code § 8-32-11 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 32 - Service Contracts.|Section 8-32-11 - Rules and Regulations.

Section 8-32-11Rules and regulations. The commissioner may promulgate reasonable rules and regulations necessary to implement this chapter. (Acts 1997, No. 97-445, p. 753, §11.)
AL Code § 8-32-12 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 32 - Service Contracts.|Section 8-32-12 - Service Contracts Prior to January 1, 1998.

Section 8-32-12Service contracts prior to January 1, 1998. Service contracts entered into prior to January 1, 1998, and renewals thereof, may but are not required to comply with this chapter. Providers and other persons are not required to comply with this chapter until January 1, 1998. A provider or other person may, but is not required to, implement the requirements of this chapter prior to January 1, 1998. The failure of a provider or other person to comply with this chapter or otherwise to administer a service contract plan, in the manner required by this chapter prior to January 1, 1998, shall not be admissible in any court, arbitration, or alternative dispute resolution proceedings or otherwise used to prove that the action of any person or the service contract was unlawful or otherwise improper. (Acts 1997, No. 97-445, p. 753, §13.)
AL Code § 8-33-1 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 33 - Vehicle Protection Product Act.|Section 8-33-1 - Short Title.

Section 8-33-1Short title. This chapter shall be known and may be cited as the Vehicle Protection Product Act. (Act 2006-600, p. 1638, §1.)
AL Code § 8-33-3 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 33 - Vehicle Protection Product Act.|Section 8-33-3 - Compliance.

Section 8-33-3Compliance. (a) No vehicle protection product may be sold or offered for sale in this state unless the seller, warrantor, and administrator, if any, comply with the provisions of this chapter. (b) Vehicle protection product warrantors and related vehicle protection product sellers and warranty administrators complying with this chapter are not required to comply with and are not subject to any other provision of the Alabama Insurance Code. (c) Service contract providers who do not sell vehicle protection products are not subject to the requirements of this chapter and sales of vehicle protection products are exempt from the requirements of Chapter 32. (d) Warranties, indemnity agreements, and guarantees that are not provided as a part of a vehicle protection product are not subject to this chapter. (Act 2006-600, p. 1638, §3.)
AL Code § 8-33-4 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 33 - Vehicle Protection Product Act.|Section 8-33-4 - Registration Requirements.

Section 8-33-4Registration requirements. (a) A person may not operate as a warrantor or represent to the public that the person is a warrantor unless the person is registered with the department on a form prescribed by the commissioner. (b) Warrantor registration records shall be filed annually and shall be updated within 30 days of any change. The registration records shall contain the following information: (1) The warrantor's name, any fictitious names under which the warrantor does business in the state, principal office address, and telephone number. (2) The name and address of the warrantor's agent for service of process in the state if other than the warrantor. (3) The names of the warrantor's executive officer or officers directly responsible for the warrantor's vehicle protection product business. (4) The name, address, and telephone number of any administrators designated by the warrantor to be responsible for the administration of vehicle protection product warranties in this state. (5) A copy of the warranty reimbursement insurance policy or policies or other financial information required by Section 8-33-5. (6) A copy of each warranty the warrantor proposes to use in this state. (7) A statement indicating under which provision of Section 8-33-5 the warrantor qualifies to do business in this state as a warrantor. (c) The commissioner may charge each registrant a reasonable fee to offset the cost of processing the registration and maintaining the records in an amount not to exceed two hundred fifty dollars ($250) annually. The information in subdivisions (1) and (2) of subsection (b) shall be made available to the public. (d) If a registrant fails to register by the renewal deadline, the commissioner shall give him or her written notice of the failure and the registrant will have 30 days to complete the renewal of his or her registration before he or she is suspended from being registered in this state. (e) An administrator or person who sells or solicits a sale of a vehicle protection product but who is not a warrantor shall not be required to register as a warrantor or be licensed under the insurance laws of this state to sell vehicle protection products. (Act 2006-600, §4.)
AL Code § 8-33-5 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 33 - Vehicle Protection Product Act.|Section 8-33-5 - Conditions for Warrantors.

Section 8-33-5Conditions for warrantors. (a) No vehicle protection product shall be sold or offered for sale in this state unless the warrantor meets one of the conditions in subsection (b) or (c) in order to ensure adequate performance under the warranty. No other financial security requirements or financial standards for warrantors shall be required. (b) The vehicle protection product warrantor is insured under a warranty reimbursement insurance policy issued by an insurer authorized to do business in this state which provides that: (1) The insurer will pay to, or on behalf of, the warrantor 100 percent of all sums that the warrantor is legally obligated to pay according to the warrantor's contractual obligations under the warrantor's vehicle protection product warranty. (2) A true and correct copy of the warranty reimbursement insurance policy has been filed with the commissioner by the warrantor. (3) The policy contains the provision required in Section 8-33-6. (c)(1) The vehicle protection product warrantor, or its parent company, maintains a net worth or stockholders' equity of fifty million dollars ($50,000,000). (2) The warrantor provides the commissioner with a copy of the warrantor's or the warrantor's parent company's most recent Form 10-K or Form 20-F filed with the Securities and Exchange Commission within the last calendar year or, if the warrantor does not file with the Securities and Exchange Commission, a copy of the warrantor's or the warrantor's parent company's audited financial statements that shows a net worth of the warrantor or its parent company of at least fifty million dollars ($50,000,000). If the warrantor's parent company's Form 10-K, Form 20-F, or audited financial statements are filed to meet the warrantor's financial stability requirement, then the parent company shall agree to guarantee the obligations of the warrantor relating to warranties issued by the warrantor in this state. The audited financial statements filed pursuant to this section shall be exempt from public disclosure under Section 36-12-40. (Act 2006-600, p. 1638, §5.)
AL Code § 8-33-6 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 33 - Vehicle Protection Product Act.|Section 8-33-6 - Conditions for Policies.

Section 8-33-6Conditions for policies. No warranty reimbursement insurance policy shall be issued, sold, or offered for sale in this state unless the policy meets the following conditions: (1) The policy states that the issuer of the policy will reimburse or pay on behalf of the vehicle protection product warrantor all covered sums which the warrantor is legally obligated to pay or will provide all service that the warrantor is legally obligated to perform according to the warrantor's contractual obligations under the provisions of the insured warranties sold by the warrantor. (2) The policy states that in the event payment due under the terms of the warranty is not provided by the warrantor within 60 days after proof of loss has been filed according to the terms of the warranty by the warranty holder, the warranty holder may file directly with the warranty reimbursement insurance company for reimbursement. (3) The policy provides that a warranty reimbursement insurance company that insures a warranty shall be deemed to have received payment of the premium if the warranty holder paid for the vehicle protection product and the insurer's liability under the policy shall not be reduced or relieved by a failure of the warrantor, for any reason, to report the issuance of a warranty to the insurer. (4) The policy has the following provisions regarding cancellation of the policy: a. The issuer of a reimbursement insurance policy shall not cancel such policy until a notice of cancellation in writing has been mailed or delivered to the commissioner and each insured warrantor. b. The cancellation of a reimbursement insurance policy shall not reduce the issuer's responsibility for vehicle protection products sold prior to the date of cancellation. c. In the event an insurer cancels a policy that a warrantor has filed with the commissioner, the warrantor shall do either of the following: 1. File a copy of a new policy with the commissioner, before the termination of the prior policy, providing no lapse in coverage following the termination of the prior policy. 2. Discontinue acting as a warrantor as of the termination date of the policy until a new policy becomes effective and is accepted by the commissioner. (Act 2006-600, p. 1638, §6.)