reglab/housing_qa huggingface dataset:
NJ Rev Stat § 56:11-38 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-38 - Willful noncompliance; liability.

56:11-38 Willful noncompliance; liability.  11. a. Any person who willfully fails to comply with any requirement imposed under this act with respect to any consumer is liable to that consumer in an amount equal to the sum of: (1) (a) any actual damages sustained by the consumer as a result of the failure or damages of not less than $100 and not more than $1,000; or (b) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or $1,000, whichever is greater; (2) such amount of punitive damages as the court may allow; and (3) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys' fees as determined by the court. b. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or $1,000, whichever is greater. c. Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys' fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. L.1997,c.172,s.11.
NJ Rev Stat § 56:11-39 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-39 - Negligent noncompliance; liability.

56:11-39 Negligent noncompliance; liability.  12. a. Any person who is negligent in failing to comply with any requirement imposed under this act with respect to any consumer is liable to that consumer in an amount equal to the sum of: (1) any actual damages sustained by the consumer as a result of the failure; and (2) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys' fees as determined by the court. b. On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys' fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. L.1997,c.172,s.12.
NJ Rev Stat § 56:11-40 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-40 - Obtaining information under false pretenses, fourth degree crime.

56:11-40 Obtaining information under false pretenses, fourth degree crime.  13. Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be guilty of a crime of the fourth degree. L.1997,c.172,s.13.
NJ Rev Stat § 56:11-41 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-41 - Enforcement agency.

56:11-41 Enforcement agency.  14. a. Pursuant to subsection (c) of section 621 of the federal "Fair Credit Reporting Act," 15 U.S.C. s.1681s, the Division of Consumer Affairs in the Department of Law and Public Safety is designated as the agency in this State to enforce the provisions of the federal "Fair Credit Reporting Act," and this act. b. The director shall make every effort to keep the residents of this State informed with respect to their rights under the federal "Fair Credit Reporting Act," and this act, including, but not limited to, press releases upon the establishment of toll-free telephone numbers by the major credit reporting agencies as required under federal law and the provision, on the division's web page, of that same information and other information on basic consumer rights and protections with respect to credit reports under the federal act and this act. L.1997,c.172,s.14.
NJ Rev Stat § 56:11-42 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-42 - Electronic printing of credit card numbers on sales receipts, regulated.

56:11-42 Electronic printing of credit card numbers on sales receipts, regulated.  1. No retail sales establishment shall print electronically more than the last five digits of a customer's credit card account number or the expiration date of that credit card upon any sales receipt provided at the point of sale to the customer, except that the provisions of this section shall not apply to any sales receipt in which the sole means of recording the customer's credit card number is by handwriting or by an imprint or copy of the credit card. L.2002,c.101,s.1.
NJ Rev Stat § 56:11-43 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-43 - Rules, regulations.

56:11-43 Rules, regulations.  2. The Attorney General of the State of New Jersey shall adopt those rules and regulations pursuant to the "Administrative Procedure Act," P.L.1968, c.410 (C.52:14B-1 et seq.), necessary to effectuate the purposes of this act. L.2002,c.101,s.2.
NJ Rev Stat § 56:11-44 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-44 - Short title.

56:11-44 Short title.  1. This act shall be known and may be cited as the "Identity Theft Prevention Act." L.2005,c.226,s.1.
NJ Rev Stat § 56:11-45 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-45 - Findings, declarations relative to identity theft.

56:11-45 Findings, declarations relative to identity theft.  2. The Legislature finds and declares that: a. The crime of identity theft has become one of the major law enforcement challenges of the new economy, as vast quantities of sensitive, personal information are now vulnerable to criminal interception and misuse; and b. A number of indicators reveal that, despite increased public awareness of the crime, incidents of identity theft continue to rise; and c. An integral part of many identity crimes involves the interception of personal financial data or the fraudulent acquisition of credit cards or other financial products in another person's name; and d. Identity theft is an act that violates the privacy of our citizens and ruins their good names: victims can suffer restricted access to credit and diminished employment opportunities, and may spend years repairing damage to credit histories; and e. Credit reporting agencies and issuers of credit should have uniform reporting requirements and effective fraud alerts to assist identity theft victims in repairing and protecting their credit; and f. The Social Security number is the most frequently used record keeping number in the United States. Social Security numbers are used for employee files, medical records, health insurance accounts, credit and banking accounts, university ID cards and many other purposes; and g. Social Security numbers are frequently used as identification numbers in many computer files, giving access to information an individual may want kept private and allowing an easy way of linking data bases. Therefore, it is wise to limit access to an individual's Social Security number whenever possible; and h. It is therefore a valid public purpose for the New Jersey Legislature to ensure that the Social Security numbers of the citizens of the State of New Jersey are less accessible in order to detect and prevent identity theft and to enact certain other protections and remedies related thereto and thereby further the public safety. L.2005,c.226,s.2.
NJ Rev Stat § 56:11-47 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-47 - Actions of consumer reporting agency relative to security freeze.

56:11-47 Actions of consumer reporting agency relative to security freeze.  6. If a security freeze is in place, a consumer reporting agency shall not change any of the following official information in a consumer report without sending a written confirmation of the change to the consumer within 30 days of the change being posted to the consumer's file: name; date of birth; Social Security number; or address. Written confirmation is not required for technical modifications of a consumer's official information, including name and street abbreviations, complete spellings, or transposition of numbers or letters. In the case of an address change, the written confirmation shall be sent to both the new address and to the former address. L.2005,c.226,s.6.
NJ Rev Stat § 56:11-48 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-48 - Inapplicability of sections 4 through 9 of act of resellers.

56:11-48 Inapplicability of sections 4 through 9 of act of resellers.  7. The provisions of sections 4 through 9 of this amendatory and supplementary act shall not apply to a consumer reporting agency that acts only as a reseller of credit information by assembling and merging information contained in the data base of another consumer reporting agency or multiple consumer reporting agencies, and does not maintain a permanent data base of credit information from which new consumer reports are produced, except that such a reseller of credit information shall honor any security freeze placed on a consumer report by another consumer reporting agency. L.2005,c.226,s.7.
NJ Rev Stat § 56:11-49 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-49 - Entities not required to place security freeze in consumer report.

56:11-49 Entities not required to place security freeze in consumer report.  8. The following entities are not required to place a security freeze in a consumer report, pursuant to section 5 of this amendatory and supplementary act: a. A check services company or fraud prevention services company, which issues reports on incidents of fraud or authorizations for the purpose of approving or processing negotiable instruments, electronic funds transfers, or similar methods of payments; and b. A demand deposit account information service company, which issues reports regarding account closures due to fraud, substantial overdrafts, ATM abuse, or similar negative information regarding a consumer, to inquiring banks or other financial institutions for use only in reviewing a consumer request for a demand deposit account at the inquiring bank or financial institution. L.2005,c.226,s.8.
NJ Rev Stat § 56:11-50 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-50 - Noncompliance, liability.

56:11-50 Noncompliance, liability.  9. a. Any person who willfully fails to comply with the requirements of sections 4 through 9 of this amendatory and supplementary act shall be liable to a consumer as provided in section 11 of P.L.1997, c.172 (C.56:11-38). b. Any person who is negligent in failing to comply with the requirements of sections 4 through 9 of this amendatory and supplementary act shall be liable to a consumer as provided in section 12 of P.L.1997, c.172 (C.56:11-39). L.2005,c.226,s.9.
NJ Rev Stat § 56:11-51 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-51 - Denial, reduction of credit to victims of identity theft, certain, prohibited.

56:11-51 Denial, reduction of credit to victims of identity theft, certain, prohibited.  1. a. A creditor shall not deny credit to, or reduce the credit limit of, an individual solely because that individual was a victim of identity theft pursuant to N.J.S.2C:21-1, section 1 of P.L.1983, c.565 (C.2C:21-2.1) or N.J.S.2C:21-17. For purposes of this section, "victim of identity theft" means any individual who, prior to or at the time of applying for credit, or for increasing the individual's credit limit, presents to a creditor:  (1) a copy of a police report filed pursuant to section 3 of P.L.2005, c.226 (C.2C:21-17.6); or (2) either: (a) a properly completed copy of a standardized affidavit of identity theft, as established by the Federal Trade Commission pursuant to section 609 of the federal "Fair Credit Reporting Act," Pub.L.91-508 (15 U.S.C. s.1681g); or (b) a similar, duly executed affidavit concerning the victim's identity theft. b. The provisions of subsection a. of this section shall not abrogate the right of a creditor to deny credit to, or reduce the credit limit of, a victim of identity theft for any other reason authorized by law. L.2007,c.33,s.1.
NJ Rev Stat § 56:11-52 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-52 - Violations, penalties.

56:11-52 Violations, penalties.  2. Any creditor who violates any provision of this act shall be liable for a penalty of not more than $5,000 for each violation, to be collected by and in the name of the Commissioner of Banking and Insurance in a summary proceeding pursuant to the "Penalty Enforcement Law of 1999," P.L.1999, c.274 (C.2A:58-10 et seq.). L.2007,c.33,s.2.
NJ Rev Stat § 56:11-53 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-53 - Short title.

56:11-53 Short title.  1. This act shall be known and may be cited as the "Personal Information and Privacy Protection Act." L.2017, c.124, s.1.
NJ Rev Stat § 56:11-55 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-55 - Violations, penalties.

56:11-55 Violations, penalties.  3. a. Any person who violates the provisions of this act shall be subject to a civil penalty of $2,500 for a first violation and $5,000 for any subsequent violation. The penalty prescribed in this section shall be collected in a civil action by a summary proceeding pursuant to the "Penalty Enforcement Law of 1999," P.L.1999, c.274 (C.2A:58-10 et seq.). b. In addition to the penalties described in this section, any person aggrieved by a violation of this act may bring an action in Superior Court to recover damages. L.2017, c.124, s.3.
NJ Rev Stat § 56:12-1 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:12-1 - Definitions.

56:12-1 Definitions.  1. As used in this act: "Consumer contract" means a written agreement in which an individual: a. Leases or licenses real or personal property; b. Obtains credit; c. Obtains insurance coverage, except insurance coverage contained in policies subject to the "Life and Health Insurance Policy Language Simplification Act," P.L.1979, c.167 (C.17B:17-17 et seq.); d. Borrows money; e. Purchases real or personal property; f. Contracts for services including professional services; g. Enters into a service contract, as defined in section 1 of P.L.2013, c.197 (C.56:12-87), for cash or on credit and the money, property or services are obtained for personal, family or household purposes. "Consumer contract" includes writings required to complete the consumer transaction. "Consumer contract" does not include a written agreement involving a transaction in securities with a broker-dealer registered with the Securities and Exchange Commission, or a transaction in commodities with a futures commission merchant registered with the Commodity Futures Trading Commission. L.1980, c.125, s.1; amended 1981, c.464, s.1 (s.11 amended 1982, c.88, s.6); 1982, c.195; 2013, c.197, s.11.
NJ Rev Stat § 56:12-2 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:12-2 - Contracts to be written in simple, clear, understandable and easily readable way

56:12-2. Contracts to be written in simple, clear, understandable and easily readable way  A consumer contract entered into on or after the effective date of this amendatory and supplementary act shall be written in a simple, clear, understandable and easily readable way. In determining whether a consumer contract has been written in a simple, clear, understandable and easily readable way as a whole, a court, the Attorney General or the Commissioner of Insurance, in regard to contracts of insurance provided for in subsection c. of section 1 of this act (C. 56:12-1c.), shall take into consideration the guidelines set forth in section 10 of this act. Use of technical terms or words of art shall not in and of itself be a violation of this act. L.1980, c. 125, s. 2, eff. Oct. 16, 1980. Amended by L.1981, c. 464, s. 2; L.1982, c. 88, s. 1, eff. July 23, 1982.
NJ Rev Stat § 56:12-2.1 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:12-2.1 - Cost of residential construction permits, disclosure by contractor; violations, penalties.

56:12-2.1 Cost of residential construction permits, disclosure by contractor; violations, penalties.  1. a. The final invoice regarding a consumer contract for construction or reconstruction at a residential premises shall contain a disclosure by the contractor of the cost of construction permits required to complete the construction or reconstruction of the residential premises, and the amount of any administrative or processing fees that the contractor will charge to obtain the required permits which amount shall not exceed the cost to the contractor to obtain the permit and to record any necessary documents. For the purpose of this section, "construction or reconstruction" means any work on a residence which will require a permit to be obtained under the "State Uniform Construction Code Act," P.L.1975, c.217 (C.52:27D-119 et seq.), or regulations promulgated thereto, but excluding work on any new home subject to the "New Home Warranty and Builders' Registration Act," P.L.1977, c.467 (C.46:3B-1 et seq.) and for which a certificate of occupancy has been issued b. Upon written complaint filed by a consumer with the Division of Consumer Affairs in the Department of Law and Public Safety, a contractor found to be in violation of this provision shall be subject to a $500 penalty for each separate violation to be enforced pursuant to the "Penalty Enforcement Law of 1999," P.L.1999, c.274 (C.2A:58-10 et seq.). L.2005,c.291,s.1.
NJ Rev Stat § 56:12-3 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:12-3 - Failure to comply; liability

56:12-3. Failure to comply; liability  A creditor, seller, insurer or lessor who fails to comply with section 2 of this act shall be liable to a consumer who is a party to the consumer contract for actual damages sustained, if the violation caused the consumer to be substantially confused about the rights, obligations or remedies of the contract, plus punitive damages in an amount up to $50.00. The creditor, seller, insurer or lessor shall also be liable for the consumer's reasonable attorney's fees and costs, not to exceed $2,500.00. L.1980, c. 125, s. 3, eff. Oct. 16, 1980. Amended by L.1981, c. 464, s. 3.
NJ Rev Stat § 56:12-4 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:12-4 - Class actions; limitation on punitive damages

56:12-4. Class actions; limitation on punitive damages  Class actions may be brought under the provisions of this act, but the amount of punitive damages shall be limited to $10,000.00 against any one seller, lessor, insurer or creditor and the amount of attorney's fees may not exceed $10,000.00. L.1980, c. 125, s. 4, eff. Oct. 16, 1980. Amended by L.1981, c. 464, s. 4.
NJ Rev Stat § 56:12-4.1 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:12-4.1 - Reform or limit of provision of consumer contract by court; findings

56:12-4.1. Reform or limit of provision of consumer contract by court; findings  In addition to the remedies provided in this act, a court reviewing a consumer contract may reform or limit a provision so as to avoid an unfair result if it finds that: a. a material provision of the contract violates this act; b. the violation caused the consumer to be substantially confused about any of the rights, obligations or remedies of the contract; and c. the violation has caused or is likely to cause financial detriment to the consumer. If the court reforms or limits a provision of a consumer contract, the court shall also make orders necessary to avoid unjust enrichment. Bringing a claim for relief pursuant to this section does not entitle a consumer to withhold performance of an otherwise valid contractual obligation. No relief shall be granted pursuant to this section unless the claim is brought before the obligations of the contract have been fully performed. L.1981, c. 464, s. 9.
NJ Rev Stat § 56:12-5 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:12-5 - Nonliability conditions

56:12-5. Nonliability conditions  There shall be no liability under sections 3 and 4 if: a. both parties to the contract have performed their obligations under the contract, b. the creditor, seller, insurer or lessor attempts in good faith to comply with this act in preparing the consumer contract, c. the contract is in conformity with a rule, regulation, or the opinion or interpretation of the Attorney General or the Commissioner of Insurance, in regard to contracts of insurance provided for in subsection c. of section 1 of this act (C. 56:12-1c.), or d. the consumer supplied the contract or the portion of the contract to which the consumer objects. L.1980, c. 125, s. 5, eff. Oct. 16, 1980. Amended by L.1981, c. 464, s. 5; L.1982, c. 88, s. 2, eff. July 23, 1982.
NJ Rev Stat § 56:12-6 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:12-6 - Use of specific language

56:12-6. Use of specific language  The use of specific language in a consumer contract required, permitted or approved by a law, regulation, rule or published interpretation of a State or Federal agency shall not violate this act. L.1980, c. 125, s. 6, eff. Oct. 16, 1980.
NJ Rev Stat § 56:12-7 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:12-7 - Other claims not precluded

56:12-7. Other claims not precluded  This act shall not preclude a debtor, buyer, insured or lessee from making any claims which would have been available to him if this act were not in effect. L.1980, c. 125, s. 7, eff. Oct. 16, 1980.