reglab/housing_qa huggingface dataset:
12 PA Cons Stat § 6324 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6324 - Agreement resulting from telephone or mail communications

§ 6324. Agreement resulting from telephone or mail communications.   (a) General rule.--A closed-end credit agreement that is negotiated and entered into by a buyer and seller by telephone or mail is permitted under this subchapter and subject to this section if: (1) the seller did not personally solicit the sale; and (2) a catalog or other printed solicitation that is generally available to the public clearly sets forth the purchase price, time sale price and other terms regarding the sale of the goods or services.  (b) Applicability.--For a sale under this section, section 6323(a) (relating to copy of agreement) does not apply.  (c) Seller's completion of agreement.--If a seller under this section receives a closed-end credit agreement from a buyer and the agreement contains blank spaces, the seller may insert in the appropriate blank spaces the purchase price, time sale price and other terms regarding the sale of the goods or services, as set forth in the seller's current catalog or other printed solicitation.  (d) Copy of agreement or statement.--Prior to the due date of the first installment under the agreement, the seller shall furnish to the buyer either a legible and complete copy of the agreement or a written statement of the items inserted in the blank spaces described in subsection (c).    Cross References. Section 6324 is referred to in section 6323 of this title.
12 PA Cons Stat § 6325 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6325 - Purchase money loan; notice

§ 6325. Purchase money loan; notice.   (a) General rule.--Unless an instrument that evidences or embodies a debt arising from a purchase money loan contains the notice under subsection (b): (1) a purchase money lender may not take or receive the instrument; and (2) a seller may not accept the proceeds of the purchase money loan as full or partial payment for the sale.  (b) Notice.--An instrument under subsection (a) shall contain the following notice: NOTICE A holder of this agreement is subject to all the claims and defenses that the buyer could assert against the seller of goods or services obtained with the proceeds of this agreement. Recovery under this agreement by the buyer may not exceed the amount paid by the buyer under the agreement.  (c) Definitions.--As used in this section, the following words and phrases shall have the meanings given to them in this subsection:  "Purchase money lender." Either a seller or financing agency making or extending a purchase money loan.  "Purchase money loan." An advance that is received by a buyer in return for a finance charge or interest that is applied to a purchase of goods or services from a seller who is affiliated, by common control or business arrangement, with the person extending the credit to the buyer.
12 PA Cons Stat § 6326 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6326 - Statement to buyer

§ 6326. Statement to buyer.   (a) Request; contents.--At any time after the execution of a closed-end credit agreement and within one year after the last payment is made under the agreement, the holder of the agreement shall upon the good faith written request of the buyer promptly give or forward to the buyer a detailed written statement that accurately states the total unpaid amount under the agreement.  (b) Copies.--  (1) The buyer shall be furnished with one statement under this section each year without charge. (2) The holder shall, upon request, furnish the buyer a duplicate copy of the statement upon payment of a reasonable fee not to exceed the cost of production.  (c) Applicability.--This section does not apply to a transaction in which, instead of periodic statements of account, the buyer is provided with a passbook or payment book in which payments, credits, charges and the unpaid balance are entered.
12 PA Cons Stat § 6327 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6327 - Refinancing

§ 6327. Refinancing.   (a) General rule.--Upon agreement in writing with the buyer, the holder of a closed-end credit agreement may refinance the payment of the unpaid time balance of the agreement by providing for a new schedule of installment payments.  (b) Charges.--  (1) The holder may contract for and collect the payment of a refinance charge by the buyer. (2) A refinance charge shall be based on the amount refinanced and include the following: (i) The additional cost of insurance and official fees incident to the refinancing. (ii) The deduction of a refund credit in an amount equal to that to which the buyer would have been entitled under section 6313 (relating to prepayment of obligation) if the buyer had prepaid in full the obligations under the agreement. (3) A refinance charge may not exceed the rate of finance charges under section 6345 (relating to finance charges). (4) Subject to section 6342 (relating to insurance), an agreement may provide for payment of the additional cost of or premiums for continuing insurance coverage under the contract until the maturity of the contract.  (c) Contents of agreement.--The refinancing agreement shall set forth all of the following: (1) The amount of the unpaid time balance to be refinanced. (2) The amount of a refund credit. (3) The amount to be refinanced after the deduction of the refund credit. (4) The amount of the finance charge under the refinancing agreement. (5) The additional cost of insurance and official fees to the buyer. (6) The new unpaid time balance. (7) The new schedule of installment payments.  (d) Consolidation of contracts.--If there is a consolidation of two or more agreements, the provisions of section 6329(a) and (b) (relating to add-on sales) apply.    Cross References. Section 6327 is referred to in sections 6352, 6353 of this title.
12 PA Cons Stat § 6328 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6328 - New payment schedule

§ 6328. New payment schedule.   (a) Right to new payment schedule.--If a closed-end credit agreement provides for the payment of an installment that is more than double the amount of the average of the preceding installments, the buyer upon default of this installment shall have an absolute right to obtain a new payment schedule.  (b) Payments.--Unless agreed to by the buyer, the periodic payments under the new schedule may not be greater than the average of the preceding installments.
12 PA Cons Stat § 6329 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6329 - Add-on sales

§ 6329. Add-on sales.   (a) Add-on provisions.--A closed-end credit agreement that includes an add-on sales provision shall comply with the requirements of this chapter and may contain the following provisions: (1) The seller may add subsequent purchases made by the buyer to the agreement. (2) The total price of the goods or services covered by the agreement shall be increased by the price of the additional goods or services. (3) The seller may increase finance charges and installment payments proportionately. (4) The terms and conditions of the agreement shall apply equally to the additional goods or services. (5) The goods purchased under the previous agreement shall be security for the goods purchased under the subsequent agreement but only until the time sale price under the previous agreement is fully paid.  (b) Allocation.--  (1) When a subsequent purchase is made, the entire amount of all previously made payments is deemed to have been applied toward the payment of the previous time sale price. (2) A payment received after a subsequent purchase is made is deemed to be allocated to all the various time sale prices in the same proportion or ratio as the original purchase prices of the various purchases bear to one another. (3) If the amount of each installment payment is increased in connection with the subsequent purchase, the subsequent payments at the seller's election may be deemed to be allocated as follows: (i) An amount equal to the original installment payment to the previous time sale price. (ii) An amount equal to the increase to the subsequent time sale price. (4) The amount of an initial or down payment on a subsequent purchase is deemed to be allocated in its entirety to the subsequent purchase.  (c) New agreement.--When a subsequent purchase is made, the seller shall deliver to the buyer prior to the due date of the first installment a new agreement that sets forth all of the following: (1) The information under section 6322(1), (2), (3), (4), (5), (6), (7), (8), (9), (10), (11) and (12) (relating to contents) as it relates to the subsequent purchase. (2) The unpaid time balance of the prior agreement with the seller. (3) The new unpaid balance, which is the sum of the amount under paragraph (2) and the amount described in section 6322(11) for the subsequent purchase. (4) The consolidated time balance, which is the sum of the unpaid balance under paragraph (3) and the amount of the finance charge payable by the buyer to the seller, including the following: (i) The number of installments required. (ii) The amount of each installment expressed in dollars. (iii) The due date or period for each installment. (5) A statement that the seller is adding the subsequent purchase to the buyer's existing agreement in accordance with the provisions of that agreement.    Cross References. Section 6329 is referred to in sections 6321, 6322, 6327, 6333, 6353 of this title.
12 PA Cons Stat § 6331 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6331 - Establishment

§ 6331. Establishment.   (a) Seller.--A seller may enter into an open-end credit agreement upon the request of a buyer or prospective buyer.  (b) Financing agency.--Subject to the other provisions of this chapter, a financing agency may enter into an open-end credit agreement on behalf of a seller from whom the financing agency may, with the buyer's consent, purchase or acquire the buyer's indebtedness, to be paid according to the agreement.
12 PA Cons Stat § 6332 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6332 - Requirements

§ 6332. Requirements.   (a) Signature.--A seller may not obtain the signature of a buyer on an application for an open-end credit agreement if it contains blank spaces to be filled in after it has been signed.  (b) Separate agreement unnecessary.--A buyer does not need to sign a separate account agreement when a new purchase is made under an existing agreement.  (c) Heading.--The following heading shall appear at the top of the agreement or directly above the space reserved for the signature of the buyer: (1) "Security Agreement" if the seller retains a security interest in the goods as security for the goods or services purchased. (2) "Lien Contract" if the seller obtains a lien on other goods or nonresidential real estate as security for the goods or services purchased. (3) "Open-End Credit Agreement" if the seller does not obtain security for the goods or services purchased.  (d) Entire agreement.--The written agreement shall contain the entire agreement of the parties regarding the costs and terms of payment for the goods and services.
12 PA Cons Stat § 6333 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6333 - Applicability and effect of subchapter

§ 6333. Applicability and effect of subchapter.   (a) Security interest.--This subchapter does not prohibit the execution of an agreement between a buyer and seller whereby the seller retains a security interest in goods sold to the buyer until full payment has been made.  (b) Allocation.--Section 6329(b) (relating to add-on sales) governs goods sold under an agreement under subsection (a).  (c) Notes; third party rights.--An open-end credit agreement may not require or entail the execution of a note by the buyer that when separately negotiated will eliminate as to a third party a right of action or defense that the buyer may have against the seller.
12 PA Cons Stat § 6341 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6341 - Applicability

§ 6341. Applicability.  A seller may contract for or collect a fee, expense or charge only if the fee, expense or charge is specifically set forth in this chapter.
12 PA Cons Stat § 6342 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6342 - Insurance

§ 6342. Insurance.   (a) Compliance with law.--The following shall comply with the act of September 2, 1961 (P.L.1232, No.540), known as the Model Act for the Regulation of Credit Life Insurance and Credit Accident and Health Insurance: (1) The seller and buyer, if: (i) the cost of the insurance is included in the closed-end credit agreement; and (ii) a separate charge is made to the buyer for the insurance. (2) The seller or holder, if the insurance is to be procured by the seller or holder under an open-end credit agreement.  (b) Separate charge; agreement.--  (1) If the cost of insurance is to be separately charged to the buyer under an open-end credit agreement, the buyer and seller must so specify in a signed agreement. (2) A copy of the agreement under paragraph (1) shall be given or furnished to the buyer. (3) The agreement shall state whether the insurance is to be procured by the buyer, seller or holder.    Cross References. Section 6342 is referred to in sections 6302, 6327, 6347 of this title.
12 PA Cons Stat § 6343 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6343 - Late fees

§ 6343. Late fees.   (a) Closed-end credit agreement.--  (1) A closed-end credit agreement may provide for the payment by the buyer of a late fee on each installment in default for a period of not less than ten days in an amount not in excess of 5% of the installment or $10, whichever is less. (2) Only one late fee may be collected on an installment regardless of the period that it remains in default.  (b) Open-end credit agreement.--A late fee may be assessed on an open-end credit agreement regarding each minimum payment not paid in full on the payment due date of the statement on which the minimum payment first appears.    Cross References. Section 6343 is referred to in sections 6302, 6309, 6352, 6353 of this title.
12 PA Cons Stat § 6344 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6344 - Costs of collection

§ 6344. Costs of collection.  A closed-end credit agreement or an open-end credit agreement may provide for payment of actual and reasonable costs of collection only if any of the following occurs: (1) If the goods are subject to a security interest, the goods are removed from this Commonwealth without the written permission of the holder. (2) The buyer fails to notify the holder of a change of residence. (3) The buyer fails to communicate with the holder for a period of 45 days after a default in making payments due under the agreement.    Cross References. Section 6344 is referred to in sections 6302, 6352, 6353 of this title.
12 PA Cons Stat § 6345 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6345 - Finance charges

§ 6345. Finance charges.   (a) General rule.--Pursuant to this section and the provisions of a closed-end credit agreement or an open-end credit agreement, a seller and holder may charge, receive and collect a finance charge.  (b) Closed-end credit agreement.--A finance charge under a closed-end credit agreement shall be: (1) measured for a period between the date of the agreement and the due date of the last installment; and (2) calculated for the period according to the actuarial method or the United States Rule method, at a rate agreed to by the buyer and the seller or holder.  (c) Open-end credit agreement.--  (1) Except as provided in paragraph (2), a finance charge on an open-end credit agreement: (i) shall be computed based on the outstanding monthly balances; and (ii) may not exceed the rate agreed to by the buyer and the seller or holder. (2) A minimum finance charge of $1 per month may be made for each month, if the finance charge so computed is less than that amount.    Cross References. Section 6345 is referred to in sections 6327, 6352, 6353 of this title.
12 PA Cons Stat § 6346 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6346 - Costs from nonaffiliated entity

§ 6346. Costs from nonaffiliated entity.  A closed-end credit agreement and an open-end credit agreement may provide for the reimbursement from a buyer of costs for a service provided by an entity that is not otherwise affiliated with the seller or holder if all the following conditions exist: (1) The buyer requests that the seller or holder provide the service. (2) The service is for the convenience of the buyer. (3) The seller or holder contracts with the entity to provide the service to the buyer or other buyers. (4) The seller or holder actually incurs the costs of the service provided by the entity. (5) The costs incurred for the service are reasonable and necessary. (6) The reimbursement costs received from the buyer do not exceed the costs incurred by the seller or holder.    Cross References. Section 6346 is referred to in section 6302 of this title.
12 PA Cons Stat § 6347 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6347 - Extension and deferment

§ 6347. Extension and deferment.   (a) General rule.--Upon agreement with the buyer, the holder of a closed-end credit agreement or an open-end credit agreement may extend the scheduled due date or defer the scheduled payment of all or part of an installment payable under the agreement.  (b) Charges.--  (1) A charge may not be made for an extension or a deferment unless the extension or deferment agreement is in writing and signed by the parties. (2) Subject to paragraph (3), the holder may contract for and collect the payment of an extension or deferment charge from the buyer. (3) Except as provided in paragraph (4), the charge under paragraph (2) may not exceed an amount equal to 1.5% per month simple interest on the full amount or part of the installment for the extension or deferment period, which may not exceed the period: (i) from the date when the extended or deferred installment would have been payable in the absence of the extension or deferment; and (ii) to the date when the installment is made payable under the extension or deferment agreement. (4) A minimum charge of $10 for the extension or deferment period may be made if the computed extension or deferment charge amounts to less than $10. (5) Subject to section 6342 (relating to insurance), the agreement may provide for payment of the additional cost of or premiums for continuing insurance coverage under the agreement until the end of the extension or deferment period.    Cross References. Section 6347 is referred to in sections 6302, 6309, 6352, 6353 of this title.
12 PA Cons Stat § 6348 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6348 - Interest rate after maturity

§ 6348. Interest rate after maturity.  If a balance remains unpaid at the expiration of the scheduled maturity date of a closed-end credit agreement, the rate of the finance charge for the period beginning at the date of the maturity until payment in full may not exceed the rate of the finance charge under the original agreement.    Cross References. Section 6348 is referred to in sections 6352, 6353 of this title.
12 PA Cons Stat § 6351 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6351 - Willful and intentional violations

§ 6351. Willful and intentional violations.  A person who willfully and intentionally violates or directs or consents to the violation of a provision of this chapter commits a misdemeanor and shall, upon conviction, be sentenced to pay a fine of not more than $1,000 or to imprisonment for not more than one year, or both.
12 PA Cons Stat § 6352 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6352 - Noncompliance; costs and charges

§ 6352. Noncompliance; costs and charges.   (a) Bar to recovery.--If a seller fails to comply with the provisions of this chapter, the seller or holder who acquires a closed-end credit agreement or an open-end credit agreement with knowledge of the noncompliance is barred from recovery of the following costs and charges imposed in connection with the agreement: (1) Refinance charges under section 6327 (relating to refinancing). (2) Late fees under section 6343 (relating to late fees). (3) Costs of collection under section 6344 (relating to costs of collection). (4) Finance charges under section 6345 (relating to finance charges). (5) Extension and deferment charges under section 6347 (relating to extension and deferment). (6) Interest after maturity under section 6348 (relating to interest rate after maturity).  (b) Remedy of buyer.--The buyer shall have the right to recover from the person under subsection (a) an amount equal to the charges under subsection (a) that were paid by the buyer.    Cross References. Section 6352 is referred to in section 6306 of this title.
12 PA Cons Stat § 6353 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6353 - Willful violations regarding finance charges

§ 6353. Willful violations regarding finance charges.   (a) Penalty.--If a seller or holder willfully violates a provision of this chapter regarding the imposition, computation or disclosure of a finance charge on a consolidated total of two or more agreements under section 6329 (relating to add-on sales), the buyer may recover from the seller or holder an amount equal to three times the total of the following, which have been actually paid by the buyer: (1) Refinance charges under section 6327 (relating to refinancing). (2) Late fees under section 6343 (relating to late fees). (3) Costs of collection under section 6344 (relating to costs of collection). (4) Finance charges under section 6345 (relating to finance charges). (5) Extension and deferment charges under section 6347 (relating to extension and deferment). (6) Interest after maturity under section 6348 (relating to interest rate after maturity).  (b) Bar to recovery.--If a violation has occurred under this section, the seller or holder is barred from the recovery of the costs and charges under subsection (a).