reglab/housing_qa huggingface dataset:
WY Stat § 40-14-540 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 5 - Remedies and Penalties|Section 40-14-540 - Willful Violations.

40-14-540. Willful violations.| (a) A person who makes a consumer loan and who willfully makes charges in excess of those permitted by the provisions of the article on loans (article 3) is guilty of a misdemeanor and upon conviction may be sentenced to pay a fine not exceeding one thousand dollars ($1,000.00), or to imprisonment not exceeding six (6) months, or both.  (b) A person, other than a supervised financial organization, who willfully engages in the business of making consumer loans without a license in violation of W.S. 40-14-302 is guilty of a misdemeanor and upon conviction may be sentenced to pay a fine not exceeding five thousand dollars ($5,000.00), or to imprisonment not exceeding one (1) year, or both.  (c) A person who willfully engages in the business of making consumer credit sales, consumer leases, or consumer loans, or of taking assignments of rights against debtors arising therefrom and undertakes direct collection of payments or enforcement of these rights, without complying with the provisions of this act concerning notification (W.S. 40-14-631) or payment of fees (W.S. 40-14-632), is guilty of a misdemeanor and upon conviction may be sentenced to pay a fine not exceeding one thousand dollars ($1,000.00).
WY Stat § 40-14-541 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 5 - Remedies and Penalties|Section 40-14-541 - Disclosure Violations.

40-14-541. Disclosure violations.| (a) A person is guilty of a misdemeanor and upon conviction may be sentenced to pay a fine not exceeding five thousand dollars ($5,000.00), or to imprisonment not exceeding one (1) year, or both, if he willfully and knowingly:  (i) Gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this act on disclosure and advertising (part 3) of the article on credit sales (article 2) or of the article on loans (article 3), or of any related rule of the administrator adopted pursuant to this act;  (ii) Uses any rate table or chart, the use of which is authorized by rule of the administrator adopted pursuant to the provisions on calculation of rate to be disclosed (W.S. 40-14-225 and 40-14-323), in a manner which consistently understates the annual percentage rate determined according to those provisions; or  (iii) Otherwise fails to comply with any requirement of provisions of this act on disclosure and advertising (part 3) of the article on credit sales (article 2) or of the article on loans (article 3), or of any related rule of the administrator adopted pursuant to this act.
WY Stat § 40-14-601 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 6 - Administration|Section 40-14-601 - Short Title.

40-14-601. Short title.| This article shall be known and may be cited as "Uniform Consumer Credit Code-Administration."
WY Stat § 40-14-602 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 6 - Administration|Section 40-14-602 - Applicability.

40-14-602. Applicability.| (a) This part applies to persons who in this state:  (i) Make or solicit consumer credit sales, consumer leases or consumer loans; or  (ii) Directly collect payments from or enforce rights against debtors arising from sales, leases, or loans specified in paragraph (i) of this subsection, wherever they are made.
WY Stat § 40-14-603 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 6 - Administration|Section 40-14-603 - Administrator.

40-14-603. Administrator.| "Administrator" means the state banking commissioner of the state of Wyoming.
WY Stat § 40-14-605 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 6 - Administration|Section 40-14-605 - Administrative Powers With Respect to Supervised Financial Organizations.

40-14-605. Administrative powers with respect to supervised financial organizations.| (a) With respect to supervised financial organizations, the powers of examination and investigation (W.S. 40-14-606) and administrative enforcement (W.S. 40-14-608) shall be exercised by the official or agency to whose supervision the organization is subject. All other powers of the administrator under this act may be exercised by him with respect to a supervised financial organization.  (b) If the administrator receives a complaint or other information concerning noncompliance with this act by a supervised financial organization, he shall inform the official or agency having supervisory authority over the organization concerned. The administrator may request information about supervised financial organizations from the officials or agencies supervising them.  (c) The administrator and any official or agency of this state having supervisory authority over a supervised financial organization are authorized and directed to consult and assist one another in maintaining compliance with this act. They may jointly pursue investigations, prosecute suits, and take other official action, as they deem appropriate, if either of them otherwise is empowered to take the action.
WY Stat § 40-14-606 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 6 - Administration|Section 40-14-606 - Examination and Investigatory Powers.

40-14-606. Examination and investigatory powers.| (a) The administrator may conduct examinations of persons licensed under this act at intervals he deems necessary to determine whether violations of this act and other applicable laws, rules and regulations pertaining to consumer credit are occurring and the frequency and seriousness of such violations.  (b) In addition to the examinations provided for in subsection (a) of this section, if the administrator has probable cause to believe that a person has engaged in an act which is subject to action by the administrator, he may make an investigation to determine if the act has been committed, and, to the extent necessary for this purpose, may administer oaths or affirmations, and, upon his own motion or upon request of any party, may subpoena witnesses, compel their attendance, adduce evidence, and require the production of any matter which is relevant to the investigation, including the existence, description, nature, custody, condition, and location of any books, documents, or other tangible things and the identity and location of persons having knowledge of relevant facts, or any other matter reasonably calculated to lead to the discovery of admissible evidence.  (c) If the person's records are located outside this state, the person at his option shall either make them available at a location within this state convenient to the administrator or pay the reasonable and necessary expenses for the administrator or his representative to examine them at the place where they are maintained. For the purpose of this section, the administrator shall have free and reasonable access during normal business hours to the offices, place of business and records of the person being examined or investigated. The administrator may designate representatives, including comparable officials of the state in which the records are located, to inspect them on his behalf.  (d) Upon failure without lawful excuse to obey a subpoena or to give testimony and upon reasonable notice to all persons affected thereby, the administrator may apply to the district court for an order compelling compliance.  (e) The administrator shall not make public the name or identity of a person whose acts or conduct he investigates pursuant to this section or the facts disclosed in the investigation, but this subsection does not apply to disclosures in actions or enforcement proceedings pursuant to this act.  (f) Each licensee or person subject to examination or investigation under this act shall pay to the administrator an amount assessed by the administrator to cover the direct and indirect cost of examinations or investigations conducted pursuant to this section.
WY Stat § 40-14-607 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 6 - Administration|Section 40-14-607 - Applicability of Administrative Procedure Act.

40-14-607. Applicability of Administrative Procedure Act.| Except as otherwise provided, the Wyoming Administrative Procedure Act applies to and governs all administrative action taken by the administrator pursuant to this act.
WY Stat § 40-14-609 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 6 - Administration|Section 40-14-609 - Assurance of Discontinuance.

40-14-609. Assurance of discontinuance.| If it is claimed that a person has engaged in conduct subject to an order by the administrator (W.S. 40-14-608) or by a court (W.S. 40-14-610 through 40-14-612), the administrator may accept an assurance in writing that the person will not engage in the conduct in the future. If a person giving an assurance of discontinuance fails to comply with its terms, the assurance is evidence that prior to the assurance he engaged in the conduct described in the assurance.
WY Stat § 40-14-610 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 6 - Administration|Section 40-14-610 - Injunctions Against Violations.

40-14-610. Injunctions against violations.| The administrator may bring a civil action to restrain a person from violating this act and for other appropriate relief.
WY Stat § 40-14-611 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 6 - Administration|Section 40-14-611 - Injunctions Against Unconscionable Agreements and Fraudulent or Unconscionable Conduct.

40-14-611. Injunctions against unconscionable agreements and fraudulent or unconscionable conduct.| (a) The administrator may bring a civil action to restrain a creditor or a person acting in his behalf from engaging in a course of:  (i) Making or enforcing unconscionable terms or provisions of consumer credit sales, consumer leases, or consumer loans;  (ii) Fraudulent or unconscionable conduct in inducing debtors to enter into consumer credit sales, consumer leases, or consumer loans; or  (iii) Fraudulent or unconscionable conduct in the collection of debts arising from consumer credit sales, consumer leases, or consumer loans.  (b) In an action brought pursuant to this section the court may grant relief only if it finds:  (i) That the respondent has made unconscionable agreements or has engaged or is likely to engage in a course of fraudulent or unconscionable conduct;  (ii) That the agreements or conduct of the respondent has caused or is likely to cause injury to consumers; and  (iii) That the respondent has been able to cause or will be able to cause the injury primarily because the transactions involved are credit transactions.  (c) In applying this section, consideration shall be given to each of the following factors, among others:  (i) Belief by the creditor at the time consumer credit sales, consumer leases, or consumer loans are made that there was no reasonable probability of payment in full of the obligation by the debtor;  (ii) In the case of consumer credit sales or consumer leases, knowledge by the seller or lessor at the time of the sale or lease of the inability of the buyer or lessee to receive substantial benefits from the property or services sold or leased;  (iii) In the case of consumer credit sales or consumer leases, gross disparity between the price of the property or services sold or leased and the value of the property or services measured by the price at which similar property or services are readily obtainable in credit transactions by like buyers or lessees;  (iv) The fact that the creditor contracted for or received separate charges for insurance with respect to consumer credit sales or consumer loans with the effect of making the sales or loans, considered as a whole, unconscionable; and  (v) The fact that the respondent has knowingly taken advantage of the inability of the debtor reasonably to protect his interests by reason of physical or mental infirmities, ignorance, illiteracy or inability to understand the language of the agreement, or similar factors.  (d) In an action brought pursuant to this section, a charge or practice expressly permitted by this act is not in itself unconscionable.
WY Stat § 40-14-612 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 6 - Administration|Section 40-14-612 - Temporary Relief.

40-14-612. Temporary relief.| With respect to an action brought to enjoin violations of the act (W.S. 40-14-610) or unconscionable agreements or fraudulent or unconscionable conduct (W.S. 40-14-611), the administrator may apply to the court for appropriate temporary relief against a respondent, pending final determination of proceedings. If the court finds after a hearing held upon notice to the respondent that there is reasonable cause to believe that the respondent is engaging in or is likely to engage in conduct sought to be restrained, it may grant any temporary relief or restraining order it deems appropriate.
WY Stat § 40-14-613 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 6 - Administration|Section 40-14-613 - Civil Actions.

40-14-613. Civil actions.| (a) After demand, the administrator may bring a civil action against a creditor for making or collecting charges in excess of those permitted by this act. An action may relate to transactions with more than one (1) debtor. If it is found that an excess charge has been made, the court shall order the respondent to refund to the debtor or debtors the amount of the excess charge. If a creditor has made an excess charge in deliberate violation of or in reckless disregard for this act, or if a creditor has refused to refund an excess charge within a reasonable time after demand by the debtor or the administrator, the court may also order the respondent to pay to the debtor or debtors a civil penalty in an amount determined by the court not in excess of the greater of either the amount of the credit service or loan finance charge or ten (10) times the amount of the excess charge. Refunds and penalties to which the debtor is entitled pursuant to this subsection may be set off against the debtor's obligation. If a debtor brings an action against a creditor to recover an excess charge or civil penalty, an action by the administrator to recover for the same excess charge or civil penalty shall be stayed while the debtor's action is pending and shall be dismissed if the debtor's action is dismissed with prejudice or results in a final judgment granting or denying the debtor's claim. With respect to excess charges arising from sales made pursuant to revolving charge accounts or from loans made pursuant to revolving loan accounts, no action pursuant to this subsection may be brought more than two (2) years after the time the excess charge was made. With respect to excess charges arising from other consumer credit sales or consumer loans, no action pursuant to this subsection may be brought more than one (1) year after the due date of the last scheduled payment of the agreement pursuant to which the charge was made. If the creditor establishes by a preponderance of evidence that a violation is unintentional or the result of a bona fide error, no liability to pay a penalty shall be imposed under this subsection.  (b) The administrator may bring a civil action against a creditor or a person acting in his behalf to recover a civil penalty for willfully violating this act, and if the court finds that the defendant has engaged in a course of repeated and willful violations of this act, it may assess a civil penalty of no more than five thousand dollars ($5,000.00). No civil penalty pursuant to this subsection may be imposed for violations of this act occurring more than two (2) years before the action is brought or for making unconscionable agreements or engaging in a course of fraudulent or unconscionable conduct.
WY Stat § 40-14-614 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 6 - Administration|Section 40-14-614 - Jury Trial.

40-14-614. Jury trial.| In an action brought by the administrator under this act, he has no right to trial by jury.
WY Stat § 40-14-615 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 6 - Administration|Section 40-14-615 - Debtors' Remedies Not Affected.

40-14-615. Debtors' remedies not affected.| The grant of powers to the administrator in this article does not affect remedies available to debtors under this act or under other principles of law or equity.
WY Stat § 40-14-630 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 6 - Administration|Section 40-14-630 - Applicability.

40-14-630. Applicability.| (a) This part applies to a person engaged in this state in making consumer credit sales, consumer leases or consumer loans, including a pawnbroker, sales finance company and post-dated check casher, and to a person having an office or place of business who takes assignments of and undertakes direct collection of payments from or enforcement of rights against debtors arising from these sales, leases or loans.  (b) Supervised financial organizations as defined by W.S. 40-14-140(a)(xix) shall be exempt from this part.
WY Stat § 40-14-631 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 6 - Administration|Section 40-14-631 - Notification.

40-14-631. Notification.| (a) Persons subject to this part shall file notification with the administrator within thirty (30) days after commencing business in this state, and, thereafter, on or before January 31 of each year. The notification shall state:  (i) Name of the person;  (ii) Name in which business is transacted if different from paragraph (a)(i) of this section;  (iii) Address of principal office, which may be outside this state;  (iv) Address of all offices or retail stores, if any, in this state at which consumer credit sales, consumer leases, or consumer loans are made, or in the case of a person taking assignments of obligations, the offices or places of business within this state at which business is transacted;  (v) If consumer credit sales, consumer leases, or consumer loans are made otherwise than at an office or retail store in this state, a brief description of the manner in which they are made;  (vi) Address of designated agent upon whom service of process may be made in this state; and  (vii) Whether supervised loans are made.  (b) If information in a notification becomes inaccurate after filing, such change shall be promptly given the administrator.
WY Stat § 40-14-632 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 6 - Administration|Section 40-14-632 - Fees.

40-14-632. Fees.| (a) A person required to file notification shall on or before January 31 of each year pay to the administrator an annual fee of twenty-five dollars ($25.00) for that year.  (b) Persons required to file notification who are sellers, lessors or lenders shall pay an additional fee at the time and in the manner stated in subsection (a) of this section of twenty-five dollars ($25.00) for each one hundred thousand dollars ($100,000.00), or part thereof, in excess of one hundred thousand dollars ($100,000.00), of the original unpaid balances arising from consumer credit sales, consumer leases and consumer loans made in this state within the preceding calendar year and held either by the seller, lessor or lender for more than thirty (30) days after the inception of the sale, lease or loan giving rise to the obligations, or by an assignee who has not filed notification. A refinancing of a sale, lease or loan resulting in an increase in the amount of an obligation is considered a new sale, lease or loan to the extent of the amount of the increase. The administrator may by rule increase this fee to an amount not greater than thirty-five dollars ($35.00) per one hundred thousand dollars ($100,000.00), or part thereof, in excess of one hundred thousand dollars ($100,000.00) of the original unpaid balances if he determines that an increase is necessary to cover the cost of administration of this act.  (c) Persons required to file notification who are assignees shall pay an additional fee at the time and in the manner stated in subsection (a) of this section of twenty-five dollars ($25.00) for each one hundred thousand dollars ($100,000.00), or part thereof, of the unpaid balances at the time of the assignment of obligations arising from consumer credit sales, consumer leases and consumer loans made in this state taken by assignment during the preceding calendar year, but an assignee need not pay a fee with respect to an obligation on which the assignor or other person has already paid a fee. The administrator may by rule increase this fee to an amount not greater than thirty-five dollars ($35.00) per one hundred thousand dollars ($100,000.00), or part thereof, in excess of one hundred thousand dollars ($100,000.00) if he determines that an increase is necessary to cover the cost of administration of this act.  (d) Fees charged, paid and collected under this section shall be subject to the requirements of W.S. 13-1-603(d) through (f).
WY Stat § 40-14-633 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 6 - Administration|Section 40-14-633 - Crediting of Monies.

40-14-633. Crediting of monies.| All fees and other monies received by the administrator under the provisions of this act shall be deposited by the administrator with the state treasurer and credited to the consumer credit administration account, except the amount paid for data processing by the registry or any other entity designated by the registry. The funds deposited in the account under this act shall be subject to appropriation by the legislature to the administrator and shall be expended only to carry out the duties of the administrator. Expenditures shall be made from the account by warrants drawn by the state auditor, upon vouchers issued and signed by the administrator.