reglab/housing_qa huggingface dataset:
CT Gen Stat § 36a-760f (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 669 - Regulated Activities|Section 36a-760f - Prohibition against dividing or structuring loan to avoid application of nonprime home loan statutory provisions.

 No lender or mortgage broker shall attempt in bad faith to avoid the application of sections 36a-760a to 36a-760h, inclusive, by dividing any loan transaction into separate parts or to structure in bad faith a residential mortgage loan transaction as an open-end loan for the purpose of evading the applicable provisions of sections 36a-760a to 36a-760h, inclusive, when the loan would have been a nonprime home loan if the loan had been structured as a closed-end loan.(P.A. 08-176, S. 27.)History: P.A. 08-176 effective July 1, 2008.
CT Gen Stat § 36a-760g (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 669 - Regulated Activities|Section 36a-760g - Restrictions on making and financing under nonprime home loans. Curing of defaults.

 (a) As used in this section and section 36a-760h, the term “mortgage” means a mortgage deed or other instrument that constitutes a first or secondary consensual lien upon any interest in one-to-four family residential real property located in this state, that is, or when the loan is made, intended to be occupied by the borrower as a principal residence. “Mortgage” includes, but is not limited to, a nonprime home loan.(b) A lender shall not make and a mortgage broker shall not offer a nonprime home loan that refinances a mortgage unless the nonprime home loan provides or is expected to provide a tangible net benefit to the borrower. A lender or mortgage broker shall not take any action that recommends or encourages a default on an existing mortgage or other debt prior to and in connection with the closing or planned closing of a new nonprime home loan that refinances all or any portion of the existing loan or debt.(c) A lender may not finance, directly or indirectly in connection with a mortgage, any credit life, credit disability, credit unemployment or credit property insurance, or any other life or health insurance or any payments directly or indirectly for any debt cancellation or suspension agreement or contract, except that insurance premiums or debt cancellation or suspension fees calculated and paid on a monthly basis or through regularly scheduled periodic payments shall not be considered financed by the lender for the purposes of this subsection.(d) If all defaults in connection with a nonprime home loan are cured after the initiation of any action to foreclose, but prior to the entry of judgment, the lender shall take steps as necessary to terminate the foreclosure proceeding or other action. The lender may require that the borrower pay any reasonable costs actually incurred by the lender in connection with the default and protecting its rights in the property, including any costs related to collection, foreclosure and termination of the proceeding or other action. Cure of default reinstates the borrower to the same position as if the default had not occurred and nullifies, as of the date of the cure, any acceleration of any obligation under the security instrument or note arising from the default. The borrower's right to reinstatement, as described in this subsection, may not be exercised by the borrower on more than two occasions over the course of twenty-four consecutive months.(P.A. 08-176, S. 28.)History: P.A. 08-176 effective July 1, 2008.
CT Gen Stat § 36a-760h (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 669 - Regulated Activities|Section 36a-760h - Additional duties of mortgage brokers.

 A mortgage broker, in addition to duties imposed by federal statutes, other provisions of the general statutes or at common law, shall: (1) Use reasonable care, skill and diligence in performing the mortgage broker's duties and shall act in good faith and fair dealing in all transactions with the borrower; (2) make reasonable good faith efforts to secure a mortgage that is in the reasonable interests of the borrower considering all the circumstances reasonably available to the mortgage broker, including, but not limited to, the rates, points, fees, charges, costs and product type; (3) ensure that the cost of credit is reasonably appropriate considering the borrower's level of creditworthiness and other bona fide underwriting concerns; and (4) notify, before the closing, each lender of the payment obligations associated with each of the other lender's loans if the mortgage broker knows that more than one mortgage will be made by different lenders contemporaneously to a borrower secured by the same real property. The duties under this section may not be waived.(P.A. 08-176, S. 29.)History: P.A. 08-176 effective July 1, 2008.
CT Gen Stat § 36a-760i (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 669 - Regulated Activities|Section 36a-760i - Court action based on lender's failure to comply with statutory requirements.

 (a) A borrower who has been injured by a violation of sections 36a-760a to 36a-760h, inclusive, may bring a claim in a court of competent jurisdiction by the date three years after the date of the closing for the following: The greater of actual damages or one thousand dollars; and costs and reasonable attorney's fees, unless:(1) By the date ninety days after the date of the loan closing and prior to the commencement of any action against a lender under this section, the borrower is notified by the lender of the compliance failure, the lender tenders appropriate restitution and the lender either (A) makes the nonprime home loan comply with the applicable provisions of sections 36a-760a to 36a-760h, inclusive; or (B) changes the terms of the mortgage in a manner beneficial to the borrower so that the mortgage will no longer be considered a nonprime home loan subject to the provisions of sections 36a-760a to 36a-760h, inclusive; or(2) The lender is able to show by a preponderance of evidence that the compliance failure was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid such errors. For the purposes of this subdivision, the phrase “bona fide error” includes, but is not limited to, a clerical, calculation, printing, computer malfunction or programming error, but does not include an error of legal judgment with respect to a lender's obligations under the relevant provisions of sections 36a-760a to 36a-760h, inclusive. In actions where the compliance failure has caused material injury to the borrower, the lender shall also be able to show that it cured the compliance failure or otherwise undertook reasonable remedial steps to address or compensate for the injury; or(3) The lender and borrower otherwise reach a mutual agreement on an appropriate remedy or curative action.(b) In addition, the court may grant an injured borrower such relief as it deems just and equitable.(c) A borrower or mortgagor may assert fraud and any violation of sections 36a-760a to 36a-760h, inclusive, which causes material injury to a borrower as a counterclaim or defense to foreclosure by the date six years after the date of the closing.(d) Nothing in this section shall be construed as creating or permitting a cause of action or defense or counterclaim against an assignee of a nonprime home loan or other mortgage loan with respect to a violation of sections 36a-760a to 36a-760h, inclusive, by the originating lender or mortgage broker.(P.A. 08-176, S. 30.)History: P.A. 08-176 effective July 1, 2008.
CT Gen Stat § 36a-760j (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 669 - Regulated Activities|Section 36a-760j - Prohibition against influencing real estate appraisals.

 No person shall influence real estate appraisals of residential property. For the purposes of this section, “influence real estate appraisals” means to directly or indirectly cause or attempt to cause, through coercion, extortion, inducement, bribery, intimidation, compensation, instruction or collusion, the value assigned to the residential property to be based on any factor other than the independent judgment of the person who prepares the appraisal.(P.A. 08-176, S. 81; P.A. 09-209, S. 26; P.A. 11-216, S. 46; P.A. 12-96, S. 34.)History: P.A. 08-176 effective July 1, 2008; P.A. 09-209 changed “A mortgage broker shall not influence” to “No person shall influence”, effective July 31, 2009; P.A. 11-216 added “means to directly or indirectly coerce, influence or otherwise encourage an appraiser to misstate or misrepresent the value of residential property and”, effective July 13, 2011; P.A. 12-96 replaced definition of “influence residential real estate appraisals” with definition of “influence real estate appraisals”, effective June 8, 2012.
CT Gen Stat § 36a-773. (Formerly Sec. 42-86) (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 669 - Regulated Activities|Section 36a-773. (Formerly Sec. 42-86) - Insurance.

 Every retail seller or sales finance company, if insurance is included in a retail installment contract, shall, within fifteen days after execution of the retail installment contract, send or cause to be sent to the retail buyer a policy or policies or certificate of insurance clearly setting forth the amount of the premium, the kind or kinds of insurance and the scope of the coverage and all of the terms, exceptions, limitations, restrictions and conditions of the insurance contract or contracts. In the event of repossession of goods under section 36a-785, where the holder of the retail installment contract has received a refund of all or part of the unearned insurance premiums paid by the retail buyer in connection with the retail installment contract, the holder shall apply such amount toward the balance of the retail buyer's obligations under the retail installment contract. For purposes of this section, “unearned insurance premiums” means the premiums that are collected by an insurer in advance, but subject to return if the coverage under the insurance contract or contracts ends before the term covered by the premiums is complete.(1949 Rev., S. 6699, (c); 1957, P.A. 361, S. 1 (d); P.A. 16-65, S. 14.)History: Sec. 42-86 transferred to Sec. 36a-773 in 1995; P.A. 16-65 added provisions re application of refunded unearned insurance premiums in the event of repossession and made a technical change.See Sec. 42a-9-203 re attachment and enforceability of security interests.
CT Gen Stat § 36a-774. (Formerly Sec. 42-87) (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 669 - Regulated Activities|Section 36a-774. (Formerly Sec. 42-87) - Installment loan contract requirements.

 Every installment loan contract shall be in writing executed by the retail buyer and a copy thereof shall be delivered to such retail buyer at the time of the execution thereof. Within fifteen days after the execution of such installment loan contract, the holder thereof shall send or cause to be sent to the retail buyer a policy or policies or certificates of insurance clearly setting forth the amount of the premium, the kind or kinds of insurance and the scope of the coverage and all of the terms, exceptions, limitations, restrictions and conditions of the insurance contract or contracts. Every installment loan contract for the purchase of consumer goods subject to section 36a-771 and this section shall set forth the information required to be disclosed under sections 36a-675 to 36a-686, inclusive, and the regulations thereunder, using the form, content and terminology provided therein.(1949 Rev., S. 6699, (e); 1957, P.A. 361, S. 1 (f); 1969, P.A. 454, S. 30; P.A. 77-324, S. 2; P.A. 15-235, S. 23; P.A. 16-65, S. 16.)History: 1969 act rewrote provisions re contract contents; P.A. 77-324 replaced detailed provisions re contract contents with provision requiring contracts to contain information required under Ch. 657 and associated regulations; Sec. 42-87 transferred to Sec. 36a-774 in 1995; P.A. 15-235 changed “36a-685” to “36a-686”, effective August 1, 2015; P.A. 16-65 made a technical change.See Sec. 42a-9-203 re attachment and enforceability of security interests.Annotations to former section 42-87:Cited. 3 CA 201.Cited. 34 CS 154.
CT Gen Stat § 36a-775. (Formerly Sec. 42-88) (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 669 - Regulated Activities|Section 36a-775. (Formerly Sec. 42-88) - Confession of judgment provision invalid.

 No provision for confession of judgment or power of attorney therefor, contained in any retail installment contract or installment loan contract or contained in a separate agreement relating thereto, shall be valid or enforceable.(1949 Rev., S. 6699, (a) 3; 1957, P.A. 361, S. 1 (a) 3.)History: Sec. 42-88 transferred to Sec. 36a-775 in 1995.See Sec. 42a-9-203 re attachment and enforceability of security interests.
CT Gen Stat § 36a-776. (Formerly Sec. 42-89) (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 669 - Regulated Activities|Section 36a-776. (Formerly Sec. 42-89) - Inclusion of other goods in contract void.

 Any provision of a retail installment contract as originally written or subsequently amended which purports to provide for the inclusion of title to or a lien upon any goods subsequently or previously sold under a retail installment contract not paid in full, other than that originally sold as the subject of such specific installment sale or other than substitution in whole or in part therefor, as security for payment of the time sale price or any part thereof shall be void; but the other provisions shall not be affected thereby.(1949 Rev., S. 6699, (a) 2; 1957, P.A. 361, S. 1 (a) 2.)History: Sec. 42-89 transferred to Sec. 36a-776 in 1995.See Sec. 42a-9-203 re attachment and enforceability of security interests.
CT Gen Stat § 36a-777. (Formerly Sec. 42-90) (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 669 - Regulated Activities|Section 36a-777. (Formerly Sec. 42-90) - Acknowledgment of receipt of notice and statement.

 An acknowledgment by the retail buyer of the delivery of any such copy, notice or statement as is required in section 36a-771 or 36a-774 contained in the body of the statement or contract shall be conclusive proof of delivery in any action or proceeding by or against any assignee without knowledge to the contrary when he acquires the obligation.(1949, Rev., S. 6699, (f); 1957, P.A. 361, S. 1 (g); 1969, P.A. 454, S. 31.)History: 1969 act described assignee as assignee “without knowledge to the contrary when he acquires the obligation” rather than as assignee “of a retail installment contract or installment loan contract”; Sec. 42-90 transferred to Sec. 36a-777 in 1995.See Sec. 42a-9-203 re attachment and enforceability of security interests.
CT Gen Stat § 36a-778. (Formerly Sec. 42-91) (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 669 - Regulated Activities|Section 36a-778. (Formerly Sec. 42-91) - Delinquency and collection charges.

 The holder of any retail installment contract or any installment loan contract shall not receive or collect any charges or expenses for collecting any delinquent payment, including, but not limited to, any service fees for accepting delinquent payments over the telephone or Internet, except as follows: The holder of a retail installment contract or installment loan contract, except a contract for the purchase of a commercial vehicle or an installment loan contract regulated by sections 36a-555 to 36a-573, inclusive, may collect a delinquency and collection charge for default in the payment of any such contract or installment of such contract, when such default has continued for a period of ten days, such charge not to exceed five per cent of the amount of the installments in default or the sum of ten dollars, whichever is the lesser. The holder of any retail installment contract or any installment loan contract for the purchase of a commercial vehicle, as defined in section 36a-770, except an installment loan contract regulated by sections 36a-555 to 36a-573, inclusive, may collect a delinquency and collection charge for default in the payment of any such contract or installment of such contract, when such default has continued for a period of ten days, such charge not to exceed five per cent of the amount of the installments in default. In addition to any such delinquency and collection charge, the retail installment contract or the installment loan contract may provide for the payment of attorney's fees not exceeding fifteen per cent of the amount due and payable under such contract when such contract is referred to an attorney, who is not a salaried employee of the holder of the contract, for collection, plus the court costs. The restriction on charges under this section shall not apply to any expenses permitted under section 36a-785.(1949 Rev., S. 6699, (a) 4; 1957, P.A. 361, S. 1 (a) 4; P.A. 80-69, S. 2, 3; P.A. 89-210, S. 2; P.A. 16-65, S. 17.)History: P.A. 80-69 raised flat fee charge allowed as alternative to 5% of amount in default from $5 to $10; P.A. 89-210 added provisions re commercial vehicles; Sec. 42-91 transferred to Sec. 36a-778 in 1995; P.A. 16-65 replaced reference to charges or expenses for delinquency and collection with provision re charges or expenses for collecting any delinquent payment, including any service fees, and made technical changes.See Sec. 42a-9-203 re attachment and enforceability of security interests.Annotation to former section 42-91:Cited. 34 CS 154.
CT Gen Stat § 36a-779. (Formerly Sec. 42-92) (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 669 - Regulated Activities|Section 36a-779. (Formerly Sec. 42-92) - Assignment of contract.

 Any sales finance company may purchase or acquire from the original holder thereof or from any other sales finance company any retail installment contract or any installment loan contract on such terms and conditions as may be mutually agreed upon not inconsistent with the provisions of sections 36a-770 to 36a-788, inclusive, 42-100b and 42-100c. Such contracts constitute chattel paper, as defined in subdivision (11) of subsection (a) of section 42a-9-102, and are governed by article 9 of title 42a except as otherwise provided in said sections.(1949 Rev., S. 6699, (d); 1957, P.A. 361, S. 1 (e); 1961, P.A. 116, S. 21; P.A. 01-132, S. 171.)History: 1961 act coordinated this section with the Uniform Commercial Code; Sec. 42-92 transferred to Sec. 36a-779 in 1995; P.A. 01-132 replaced reference to Sec. 42a-9-105(1)(b) with Sec. 42a-9-102(a)(11).See Sec. 42a-9-203 re attachment and enforceability of security interests.Annotation to former section 42-92:Waiver of defense clause in consumer goods credit transaction void as against public policy in Connecticut. 158 C. 543.
CT Gen Stat § 36a-780. (Formerly Sec. 42-93) (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 669 - Regulated Activities|Section 36a-780. (Formerly Sec. 42-93) - Payments after assignment.

 Unless notice has been given to the retail buyer of actual or intended assignment of a retail installment contract or installment loan contract, payment thereunder or tender thereof made by the retail buyer to the last-known holder of such contract shall be binding upon such subsequent holder or assignee.(1949 Rev., S. 6699, (a) 5; 1957, P.A. 361, S. 1 (a) 5.)History: Sec. 42-93 transferred to Sec. 36a-780 in 1995.See Sec. 42a-9-203 re attachment and enforceability of security interests.
CT Gen Stat § 36a-781. (Formerly Sec. 42-94) (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 669 - Regulated Activities|Section 36a-781. (Formerly Sec. 42-94) - Statement of payments made. Receipts.

 Upon written request from the retail buyer, the holder of the retail installment contract or the installment loan contract shall give or forward to the retail buyer a written statement of the dates and amounts of payments and the total amount unpaid under such contract. A retail buyer shall, upon written request, be entitled to a written receipt for any cash payment.(1949 Rev., S. 6699, (a) 6; 1957, P.A. 361, S. 1 (a) 6.)History: Sec. 42-94 transferred to Sec. 36a-781 in 1995.See Sec. 42a-9-203 re attachment and enforceability of security interests.
CT Gen Stat § 36a-782. (Formerly Sec. 42-95) (2020)
2020 Connecticut General Statutes|Title 36a - The Banking Law of Connecticut|Chapter 669 - Regulated Activities|Section 36a-782. (Formerly Sec. 42-95) - Cancellation of contract on payment in full.

 Upon payment in full of the balance and other amounts lawfully due under a retail installment contract or installment loan contract by the retail buyer, the holder shall mark the contract and note signed by the retail buyer with the word “paid” or “cancelled” and shall, at the time of payment, return such contract and note or, in lieu thereof, transmit or deliver to the retail buyer a certificate clearly identifying the goods covered by the contract and showing such contract has been paid in full. This requirement shall not apply to any retail installment contract or installment loan contract covering goods for which the cash price is one hundred dollars or less.(1949, S. 2865d; 1957, P.A. 361, S. 1 (h).)History: Sec. 42-95 transferred to Sec. 36a-782 in 1995.See Sec. 42a-9-203 re attachment and enforceability of security interests.