reglab/housing_qa huggingface dataset:
IA Code § 714A.4 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714A - PAY-PER-CALL SERVICE|Section 714A.4 - Billing and collection.

714A.4 Billing and collection.   A person shall not bill or collect for a pay-per-call service if such person has actual knowledge of the failure of the pay-per-call service to comply with the requirements of this chapter. A person shall cease billing and collecting for a pay-per-call service which fails to comply with the requirements of this chapter as soon as practicable, but in no event more than thirty days, after acquiring knowledge of the noncompliance. Billing and collection contracts shall contain a provision which refers the pay-per-call service to chapter 714A, which provides for an introductory disclosure message and the requirements for such message.   Additionally, a person shall not bill or collect a charge for a pay-per-call service unless the call for which the charge is being made is completed.  91 Acts, ch 171, §4
IA Code § 714A.5 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714A - PAY-PER-CALL SERVICE|Section 714A.5 - Enforcement.

714A.5 Enforcement.   A violation of this chapter is an unfair or deceptive trade practice and is subject to the provisions of section 714.16, except that the remedies and penalties provided pursuant to that section shall not be applied to a newspaper, magazine, publication, directory, or other print media in which an advertisement appears, or to a radio station, television station, or other electronic media which disseminates the advertisement, and no other penalty or cause of action under this chapter shall accrue against the media in or by which the advertisement appears or is disseminated, where the particular advertisement is not sponsored by the media, unless the media also performs the billing or collecting for the pay-per-call service.  91 Acts, ch 171, §5
IA Code § 714B.1 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714B - PRIZE PROMOTIONS|Section 714B.1 - Definitions.

714B.1 Definitions.   As used in this chapter, unless the context otherwise requires:   1. “Advertisement” means as defined in section 714.16, subsection 1.   2. “Merchandise” means as defined in section 714.16, subsection 1.   3. “Person” means as defined in section 714.16, subsection 1.   4. “Prize” means a gift, award, cash award, or other merchandise of value that is offered or awarded to a person in a real or purported contest, competition, sweepstakes, puzzle, drawing, scheme, plan, or other selection process.   5. “Retail value” of a prize means the following:   a. A price at which the sponsor of the prize can substantiate that a substantial number of the items of merchandise have been sold to the public in the year preceding the date of the written prize notice in the regular course of business other than through a prize promotion.   b. No more than one and one-half times the amount the sponsor paid for the prize in a bona fide purchase from an unaffiliated seller, if the sponsor is unable to substantiate a price pursuant to paragraph “a”.   6. “Sponsor” means a person who awards another person a prize or who allows the person to receive, use, compete for, or obtain information about a prize.  94 Acts, ch 1185, §2
IA Code § 714B.4 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714B - PRIZE PROMOTIONS|Section 714B.4 - Prize award required.

714B.4 Prize award required.   A sponsor of a prize who represents to a person that the person has been awarded a prize shall, no later than thirty days after making the representation, provide the person with the prize; with a voucher, certificate, or other document indicating the person’s unconditional right to receive the prize; or with either of the following items as selected by the person:   1. Any other prize listed in the written prize notice that is available and that is of equal or greater value.   2. The retail value of the prize, as stated in the written notice, in the form of cash, a money order, or a certified check.  94 Acts, ch 1185, §5  Referred to in §714B.3
IA Code § 714B.5 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714B - PRIZE PROMOTIONS|Section 714B.5 - Information requested by attorney general.

714B.5 Information requested by attorney general.   A sponsor shall provide, upon the request of the attorney general made within one year after the termination date of the promotion, a record of the names and addresses of all winners of prizes of one hundred dollars or more.  94 Acts, ch 1185, §6
IA Code § 714B.6 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714B - PRIZE PROMOTIONS|Section 714B.6 - Criminal penalties.

714B.6 Criminal penalties.   A person who intentionally violates this chapter is guilty of an aggravated misdemeanor. A person intentionally violates this chapter if the act or acts in violation occur or continue after the attorney general or county attorney has notified the person by certified mail that the person is in violation of this chapter.  94 Acts, ch 1185, §7
IA Code § 714B.7 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714B - PRIZE PROMOTIONS|Section 714B.7 - Civil enforcement.

714B.7 Civil enforcement.   A violation of this chapter constitutes a violation of section 714.16, subsection 2, paragraph “a”.  94 Acts, ch 1185, §8
IA Code § 714B.8 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714B - PRIZE PROMOTIONS|Section 714B.8 - Private action.

714B.8 Private action.   In addition to any other remedies, a person suffering pecuniary loss as a result of a violation of this chapter by another person may bring an action against such other person to recover all of the following:   1. The greater of five hundred dollars or twice the amount of the pecuniary loss.   2. Costs and reasonable attorney fees.  94 Acts, ch 1185, §9
IA Code § 714B.9 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714B - PRIZE PROMOTIONS|Section 714B.9 - Compliance with other laws.

714B.9 Compliance with other laws.   This chapter shall not be construed to permit an activity prohibited by section 714.16, or rules adopted pursuant to that section, or by chapter 725, or other applicable law.  94 Acts, ch 1185, §10
IA Code § 714B.10 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714B - PRIZE PROMOTIONS|Section 714B.10 - Exemptions.

714B.10 Exemptions.   This chapter does not apply to the following:   1. Advertising by sponsors registered pursuant to chapter 557B, licensed pursuant to chapter 99B, or regulated pursuant to chapter 99D, 99E, 99F, or 99G.   2. Advertising in connection with the sale or purchase of books, recordings, videocassettes, periodicals, and similar goods through a membership group or club which is regulated by the federal trade commission pursuant to  16 C.F.R. §425.1  , concerning use of negative option plans by sellers in commerce.   3. Advertising in connection with the sale or purchase of goods ordered through a contractual plan or arrangement such as a continuity plan, subscription arrangement, or a single sale or purchase series arrangement under which the seller ships goods to a consumer who has consented in advance to receive the goods and who, after the receipt of the goods, is given an opportunity to examine the goods and to receive a full refund of charges for the goods upon return of the goods undamaged.   4. Advertising in connection with sales by a catalog seller. For purposes of this section, “catalog seller” means a person at least fifty percent of whose annual revenues are derived from the sale of merchandise sold in connection with the distribution of catalogs of at least twenty-four pages, which contain written descriptions or illustrations and sale prices for each item of merchandise and which are distributed in more than one state with a total annual distribution of at least two hundred fifty thousand.  94 Acts, ch 1185, §11; 2003 Acts, ch 178, §116, 121; 2003 Acts, ch 179, §142; 2010 Acts, ch 1061, §81; 2014 Acts, ch 1092, §195; 2019 Acts, ch 132, §39, 45, 46
IA Code § 714D.1 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714D - TELECOMMUNICATIONS SERVICE PROVIDER FRAUD|Section 714D.1 - Legislative intent.

714D.1 Legislative intent.   The general assembly finds that customers of telephone services have been subjected to fraud in the sale and advertisement of telephone long distance and local service, as well as other services related to residential and business telephone service. The general assembly further finds that companies acting in a lawful manner have lost customers to companies that obtain customers through fraud and deception.   It is the intent of the general assembly to protect telephone service subscribers from fraud and to provide statutory remedies for the victims of fraud in the sale of telecommunications service. It is the intent of the general assembly to provide the attorney general with additional remedies to address the issue of fraud in the sale of telecommunications service. It is further the intent of the general assembly that this chapter does not limit the rights or remedies that are otherwise available to a consumer or the attorney general under any other law.  99 Acts, ch 16, §2
IA Code § 714D.2 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714D - TELECOMMUNICATIONS SERVICE PROVIDER FRAUD|Section 714D.2 - Definitions.

714D.2 Definitions.   As used in this chapter, unless the context otherwise requires:   1. “Advertisement” means the same as defined in section 714.16, subsection 1.   2. “Consumer” means a person who is not a telecommunications service provider and who uses telecommunications services.   3. “Deception” means the same as defined in section 714.16, subsection 1.   4. “Person” means the same as defined in section 714.16, subsection 1.   5. “Sweepstakes box” means the box or receptacle into which a person may place an entry form or document used to enter a sweepstakes, contest, or drawing of any description, and promotional materials attached to such entry form or document.   6. “Telecommunications Act” means 47 U.S.C. §258, a portion of the federal Telecommunications Act of 1996, relating to changes in telephone service, and including regulations adopted pursuant to that section.   7. “Telecommunications service” means local exchange or long distance telephone service, and any additional service or merchandise for which any charge or assessment appears on a billing statement directed to a person by a provider of local exchange or long distance telephone service, but does not include commercial mobile radio service or charges or assessments imposed on consumers of local exchange or long distance telephone service or on such additional service or merchandise by governmental entities.   8. “Telecommunications service provider” means a person who advertises, sells, leases, or provides telecommunications services to another person.   9. “Unfair practice” means the same as defined in section 714.16, subsection 1, and also means any failure of a person to comply with the Telecommunications Act or with any statute or rule enforced by the utilities board within the utilities division of the department of commerce relating to a telecommunications service selection or change.  99 Acts, ch 16, §3
IA Code § 714D.3 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714D - TELECOMMUNICATIONS SERVICE PROVIDER FRAUD|Section 714D.3 - Unfair and deceptive practices.

714D.3 Unfair and deceptive practices.   The act, use, or employment by a person of deception or an unfair practice in connection with the lease, sale, or advertisement of a telecommunications service or the solicitation of authority to provide or execute a change of a telecommunications service is an unlawful practice.  99 Acts, ch 16, §4
IA Code § 714D.4 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714D - TELECOMMUNICATIONS SERVICE PROVIDER FRAUD|Section 714D.4 - Prohibition of sweepstakes boxes.

714D.4 Prohibition of sweepstakes boxes.   The use of a sweepstakes box by a person to solicit authority to provide or execute a change of a consumer’s telecommunications service is an unlawful practice.  99 Acts, ch 16, §5
IA Code § 714D.5 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714D - TELECOMMUNICATIONS SERVICE PROVIDER FRAUD|Section 714D.5 - Conditions on use of prize promotions to solicit authority to provide or change telecommunications services.

714D.5 Conditions on use of prize promotions to solicit authority to provide or change telecommunications services.   1. It is an unlawful practice for a person to use a form or document which is to be used or intended to be used by another person to enter a sweepstakes, contest, or drawing of any description as written authority to provide or execute a change of a consumer’s telecommunications service.   2. It is an unlawful practice for a person to solicit the lease or sale of or to solicit the authority to provide or execute a change of a telecommunications service to another person through or in conjunction with a sweepstakes, contest, or drawing without clearly, conspicuously, and fully disclosing in all direct mail solicitations to the other person the fact that the sweepstakes, contest, or drawing is intended to solicit authority to provide or execute a change of a telecommunications service. The disclosure required shall include, at a minimum, all of the following:   a. A statement that an acceptance or change of telecommunications service is not required to enter the sweepstakes, contest, or drawing.   b. An alternative means by which a person may enter the sweepstakes, contest, or drawing without accepting or authorizing a change in a telecommunications service.   c. The name and telephone number of the entity soliciting the person to accept or to authorize a change of telecommunications service through the use of or in conjunction with the sweepstakes, contest, or drawing.   d. A brief description of the nature of the telecommunications service for which authorization is sought through the use of or in conjunction with the sweepstakes, contest, or drawing.  99 Acts, ch 16, §6
IA Code § 714D.6 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714D - TELECOMMUNICATIONS SERVICE PROVIDER FRAUD|Section 714D.6 - Private action.

714D.6 Private action.   1. In addition to any other remedy, a consumer may bring an action against a person who commits an unlawful practice under this chapter to recover from the person all of the following:   a. The amount of any moneys or property acquired by the person from the consumer by means of an unlawful practice under this section, or two hundred dollars, whichever is greater.   b. If a court finds that the consumer prevails in the action and that the unlawful practice was an intentional violation of this chapter, five hundred dollars or twice the amount of the consumer’s actual damages, whichever is greater.   c. Costs and reasonable attorney fees.   2. A cause of action under this section shall not apply unless, prior to filing the action, the consumer has submitted a complaint to the utilities board within the utilities division of the department of commerce, the utilities board has failed to resolve the complaint to the consumer’s satisfaction within one hundred twenty days of the date the complaint was submitted, and the consumer dismisses the complaint before the utilities board. The requirement that a consumer complaint be submitted to the utilities board and resolved by the utilities board to the consumer’s satisfaction within one hundred twenty days of filing before the consumer may file an action pursuant to this section shall not apply to an action by the attorney general to recover moneys for the consumer pursuant to section 714D.7 or any other law. A finding by the utilities board that a respondent has complied with rules governing carrier selection procedures adopted by the utilities board shall be an affirmative defense to any claim brought under this section or section 476.103 or 714D.7 that an unauthorized change in service has occurred.  99 Acts, ch 16, §7  Referred to in §714D.7
IA Code § 714D.7 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714D - TELECOMMUNICATIONS SERVICE PROVIDER FRAUD|Section 714D.7 - Civil enforcement.

714D.7 Civil enforcement.   1. A violation of this chapter or a rule adopted pursuant to this chapter is a violation of section 714.16, subsection 2, paragraph “a”. The remedies and penalties provided by section 714.16, including but not limited to injunctive relief and civil penalties, apply to violations of this chapter.   2. In seeking reimbursement pursuant to section 714.16, subsection 7, from a person who has committed an unlawful practice under this chapter, the attorney general may seek an order from the court that the person pay to the attorney general on behalf of consumers the amounts for which the person would be liable under section 714D.6 for each consumer who has a cause of action pursuant to section 714D.6. Section 714.16, as it relates to consumer reimbursement, applies to amounts recovered by the attorney general as reimbursement under this chapter. However, a consumer who is awarded monetary damages pursuant to section 714D.6 is not eligible for monetary relief under this section for the same unlawful practice.   3. The remedies provided pursuant to this chapter are in addition to any other remedies provided to the state or to a person under other law.   4. The attorney general shall not file a civil enforcement action under this chapter or under section 714.16 against a person for an act which is the subject of an administrative proceeding to impose a civil penalty which has been initiated against the person by the utilities board within the utilities division of the department of commerce. This subsection shall not be construed to limit the authority of the attorney general to file a civil enforcement or other enforcement action against a person for violating a prior agreement entered into by the person with the attorney general or a court order obtained by the attorney general against the person. This subsection shall not be construed to limit the authority of the attorney general to file a civil enforcement or other enforcement action against the person for acts which are not the subject of an administrative proceeding which has been initiated against the person by the utilities board.  99 Acts, ch 16, §8  Referred to in §476.103, 714D.6
IA Code § 714E.2 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714E - FORECLOSURE CONSULTANTS|Section 714E.2 - Foreclosure consultant contract.

714E.2 Foreclosure consultant contract.   1. A foreclosure consultant contract must be in writing and must fully disclose the exact nature of the foreclosure consultant’s services and the total amount and terms of compensation.   2. The following notice, printed in at least fourteen point boldface type and completed with the name of the foreclosure consultant, must be printed immediately above the notice of cancellation statement required pursuant to section 714E.3:  NOTICE REQUIRED BY IOWA LAW  ................................ (name) or anyone working for  ................................ (name) CANNOT:   (1) Take any money from you or ask you for money until ........................ (name) has completely finished doing everything ........................ (name) said ........................ (name) would do; and   (2) Ask you to sign or have you sign any lien, mortgage, or real estate contract.   3. The contract must be written in the same language as principally used by the foreclosure consultant to describe the foreclosure consultant’s services and to negotiate the contract with the consumer. The contract must be dated and signed by the owner, and must contain in immediate proximity to the space reserved in the contract for the owner’s signature, a conspicuous statement in a size equal to at least ten point boldface type, as follows:   You, the owner, may cancel this transaction at any time prior to midnight of the third business day after the date of this transaction. See the attached notice of cancellation form for an explanation of this right.   4. The foreclosure consultant shall provide the owner immediately upon execution of the contract with a copy of the contract along with the notice of cancellation required in section 714E.3.   5. The three business days during which the owner may cancel the contract shall not begin to run until the foreclosure consultant has complied with this section and with section 714E.3.  2008 Acts, ch 1125, §2, 19; 2008 Acts, ch 1191, §133  Referred to in §714E.3, 714E.8, 714E.9
IA Code § 714E.4 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714E - FORECLOSURE CONSULTANTS|Section 714E.4 - Violations.

714E.4 Violations.   It is a violation of this chapter for a foreclosure consultant to do any of the following:   1. Claim, demand, charge, collect, or receive compensation until after the foreclosure consultant has fully performed each and every service the foreclosure consultant contracted to perform or represented the foreclosure consultant would perform.   2. Claim, demand, charge, collect, or receive a fee, interest, or other compensation for any reason which exceeds eight percent per annum of the amount of any loan which the foreclosure consultant may make to the owner. Such a loan must not, as provided in subsection 3, be secured by the residence in foreclosure or any other real or personal property.   3. Take a wage assignment, a lien of any type on real or personal property, or other security to secure the payment of compensation. Any such security is void and unenforceable.   4. Receive consideration from any third party in connection with services rendered to an owner unless the consideration is first fully disclosed to the owner.   5. Acquire an interest, directly or indirectly, or by means of a subsidiary or affiliate in a residence in foreclosure from an owner with whom the foreclosure consultant has contracted.   6. Take a power of attorney from an owner for any purpose, except to inspect documents as provided by law.   7. Induce or attempt to induce an owner to enter into a contract which does not comply in all respects with the requirements of this chapter.   8. Claim, demand, charge, collect, or receive a fee, interest, or other compensation for promising to negotiate a mortgage loan or real estate contract modification, forbearance, repayment plan, or other loss mitigation for the consumer and fail to successfully negotiate such a modification, forbearance, repayment plan, or other loss mitigation.   9. Prohibit the borrower from contacting any lender, servicer, government entity, attorney, counselor, individual, or company that may seek to help the consumer. Any such provision is void and unenforceable.  2008 Acts, ch 1125, §4, 19; 2009 Acts, ch 133, §180  Referred to in §714E.6, 714E.7, 714E.8, 714E.9
IA Code § 714E.5 (2021)
2021 Iowa Code|Title XVI - CRIMINAL LAW AND PROCEDURE|Chapter 714E - FORECLOSURE CONSULTANTS|Section 714E.5 - Waiver not allowed.

714E.5 Waiver not allowed.   A waiver by an owner of the provisions of this chapter is void and unenforceable as contrary to public policy. An attempt by a foreclosure consultant to induce an owner to waive the owner’s rights is a violation of this chapter.  2008 Acts, ch 1125, §5, 19  Referred to in §714E.8, 714E.9