reglab/housing_qa huggingface dataset:
NV Rev Stat § 671.150 (2021)
2021 Nevada Revised Statutes|Chapter 671 - Issuers of Instruments for Transmission or Payment of Money|NRS 671.150 - Deposit of receipts; commingling prohibited; deposit if license suspended or terminated; assets must cover liabilities.

  1. All money or credits received by an agent of a licensee from the sale and issuance of checks or for the purpose of transmission must be remitted to the licensee or deposited with a bank or credit union authorized to do business in this state for credit to an account of the licensee not later than the third business day following its receipt.  2. Money received from the sale or issuance of checks or for the purpose of transmission must not be commingled with the other assets of the licensee or his or her agents.  3. If a license is suspended or terminated, the licensee shall immediately deposit in an account in the name of the Commissioner, an amount which is sufficient to make the total money in the account equal to all outstanding checks in the State of Nevada sold or issued and money or credits received but not transmitted.  4. Each licensee shall at all times maintain liquid assets, government or municipal securities or other marketable securities having a value, computed in accordance with generally accepted accounting principles, equal to or more than the aggregate liability of the licensee with respect to checks sold and issued and money or credits received for transmission.  (Added to NRS by 1977, 1087; A 1983, 1768; 1987, 1953; 1999, 1545)
NV Rev Stat § 671.160 (2021)
2021 Nevada Revised Statutes|Chapter 671 - Issuers of Instruments for Transmission or Payment of Money|NRS 671.160 - Discontinuance of licensee’s business: Notice; surrender of license; order of Commissioner; possession of business and property by Commissioner; appointment of receiver.

  1. Within 5 days after a discontinuance of a licensee’s business, the licensee shall inform the Commissioner of the discontinuance and shall surrender his or her license for cancellation.  2. If, as a result of any investigation, hearing, report or examination, the Commissioner finds that a licensee is insolvent or is conducting his or her business in such a manner as to render the licensee’s further operations hazardous to the public, the Commissioner may, through an order served by registered or certified mail upon the licensee and any person possessing money of the licensee or the licensee’s customers, require the immediate discontinuance of the disbursement of the money and the cessation of the licensee’s business. The order remains in effect until:  (a) It is set aside, in whole or in part, by the Commissioner;  (b) The licensee has been adjudged a bankrupt; or  (c) A receiver for the licensee has been appointed by a court of competent jurisdiction.  3. If a court does not have jurisdiction over the licensee, the Commissioner may take possession of the licensee’s business and property until the licensee complies with the requirements of the Commissioner for resumption of business or the licensee’s affairs are finally liquidated.  4. Whenever the Commissioner takes possession of a licensee’s business and property, the Commissioner may petition the court for appointment of a receiver to liquidate the affairs of the licensee.  (Added to NRS by 1977, 1087; A 1983, 1768; 1987, 1954)
NV Rev Stat § 671.170 (2021)
2021 Nevada Revised Statutes|Chapter 671 - Issuers of Instruments for Transmission or Payment of Money|NRS 671.170 - Investigations and hearings; fee; confidential communications.

  1. The Commissioner may conduct any necessary investigations and hearings to determine whether any licensee or other person has violated any of the provisions of this chapter or whether any licensee has conducted himself or herself in a manner which requires the suspension, revocation or denial of renewal of his or her license.  2. In conducting any investigation or hearing pursuant to this chapter, the Commissioner, or any person designated by the Commissioner, may require the attendance and testimony of any person and compel the production of all relevant books, records, accounts and other documents. The Commissioner shall charge and collect from each licensee or other person a fee at the rate established and, if applicable, adjusted pursuant to NRS 658.101 for the cost of any supervision, audit, examination, investigation or hearing conducted pursuant to this chapter or any regulations adopted pursuant thereto.  3. The Commissioner may require any licensee to submit such reports concerning the licensee’s business as the Commissioner deems necessary for the enforcement of this chapter.  4. Except as otherwise provided in NRS 239.0115, all reports of investigations and examinations and other reports rendered pursuant to this section, and all correspondence and memoranda relating to or arising therefrom, including any authenticated copies thereof in the possession of any licensee or the Commissioner, are confidential communications, are not subject to any subpoena, and must not be made public unless the Commissioner determines that justice and the public advantage will be served by their publication. This subsection does not preclude any party to an administrative or judicial proceeding from introducing into evidence any information or document otherwise available or admissible.  (Added to NRS by 1977, 1087; A 1983, 1769; 1987, 1954; 2007, 2151; 2017, 399)
NV Rev Stat § 671.180 (2021)
2021 Nevada Revised Statutes|Chapter 671 - Issuers of Instruments for Transmission or Payment of Money|NRS 671.180 - Suspension, revocation or denial of renewal of license: Notice; hearing; order; grounds; judicial review.

  1. If the Commissioner has reason to believe that grounds exist for the suspension, revocation or denial of renewal of a license, the Commissioner shall give 10 days’ written notice to the licensee, stating the grounds therefor, and shall set a date for a hearing, if a hearing is requested by the licensee. If the protection of the public so requires, the Commissioner may suspend the license at any time before the hearing.  2. At the conclusion of the hearing, the Commissioner shall enter a written order either dismissing the charges or suspending, revoking or denying the renewal of the license. The order must include a statement of the grounds for the action taken by the Commissioner and becomes effective 10 days after receipt of a copy of the order by the licensee at the licensee’s principal place of business. The Commissioner may immediately suspend, revoke or deny the renewal of the license in a case where the licensee has failed to maintain in effect the required surety bond or insurance policy.  3. The grounds for suspension, revocation or denial of renewal of a license are:  (a) Failure to pay the annual fee for renewal or the fee for late renewal;  (b) Failure to maintain in effect the required bond or securities;  (c) Fraud, misrepresentation or omission of any material fact in any application, statement or report;  (d) Failure to pay any judgment arising from the licensee’s business within 30 days after the judgment becomes final or within 30 days after the expiration of a stay of execution on the judgment; or  (e) Violation of any provision of this chapter or any regulation adopted or order issued by the Commissioner pursuant to this chapter.  4. Any action taken by the Commissioner pursuant to this section is subject to judicial review in the first judicial district court.  (Added to NRS by 1977, 1088; A 1983, 1769; 1987, 1955; 1989, 920)
NV Rev Stat § 671.183 (2021)
2021 Nevada Revised Statutes|Chapter 671 - Issuers of Instruments for Transmission or Payment of Money|NRS 671.183 - Failure to submit required report; fees; regulations.

  1. If a licensee fails to submit any report required pursuant to this chapter or any regulation adopted pursuant thereto within the prescribed period, the Commissioner may impose and collect a fee of not more than $10 for each day the report is overdue.  2. The Commissioner shall adopt regulations establishing the amount of the fee that may be imposed pursuant to this section.  (Added to NRS by 2005, 1854)
NV Rev Stat § 671.185 (2021)
2021 Nevada Revised Statutes|Chapter 671 - Issuers of Instruments for Transmission or Payment of Money|NRS 671.185 - Administrative fines.

In addition to any other remedy or penalty, the Commissioner may impose an administrative fine of not more than $10,000 upon a person who:  1. Without a license, conducts any business or activity for which a license is required pursuant to the provisions of this chapter; or  2. Violates any provision of this chapter or any regulation adopted pursuant thereto.  (Added to NRS by 2005, 1854)
NV Rev Stat § 671.190 (2021)
2021 Nevada Revised Statutes|Chapter 671 - Issuers of Instruments for Transmission or Payment of Money|NRS 671.190 - Unlawful acts; penalty; other remedies.

  1. Any person who:  (a) Violates any provision of this chapter, or any regulation adopted or order issued by the Commissioner pursuant to this chapter;  (b) Knowingly makes any false or misleading statement of a material fact in any application, statement or report filed pursuant to this chapter;  (c) Knowingly omits to state any material fact necessary to provide the Commissioner with information lawfully required by the Commissioner; or  (d) Refuses to permit or obstructs any lawful investigation, examination, entry or access by the Commissioner,  is guilty of a misdemeanor.  2. Each day during which a violation continues constitutes a separate offense.  3. The imposition of any fine or term of imprisonment pursuant to subsection 1:  (a) Is in addition to any suspension, revocation or denial of renewal of a license which may result from the violation.  (b) Is not a bar to enforcement of this chapter by an injunction or other appropriate civil remedy.  (Added to NRS by 1977, 1088; A 1983, 1770; 1987, 1955)
NV Rev Stat § 672.010 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.010 - Definitions.

As used in this chapter, unless the context otherwise requires, the words and terms defined in NRS 672.020 to 672.240, inclusive, have the meanings ascribed to them in those sections.  (Added to NRS by 1975, 376; A 1983, 1830; 1985, 784; 1987, 2013) — (Substituted in revision for NRS 678.010)
NV Rev Stat § 672.020 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.020 - "Account" defined.

Account means a contract of deposit of funds between a member and a credit union and includes deposits, member or share accounts and other like arrangements regardless of whether they may be characterized as refundable capital investments.  (Added to NRS by 1975, 376) — (Substituted in revision for NRS 678.020)
NV Rev Stat § 672.030 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.030 - "Beneficiary" defined.

Beneficiary means any person to whom the deposits of an account are to be paid upon the occurrence of a specified condition.  (Added to NRS by 1975, 376) — (Substituted in revision for NRS 678.030)
NV Rev Stat § 672.040 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.040 - "Board" defined.

Board means the board of directors of a credit union formed pursuant to the provisions of this chapter.  (Added to NRS by 1975, 376) — (Substituted in revision for NRS 678.040)
NV Rev Stat § 672.050 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.050 - "Chair" defined.

Chair means the chair of the board of a credit union.  (Added to NRS by 1975, 376) — (Substituted in revision for NRS 678.050)
NV Rev Stat § 672.061 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.061 - "Commissioner" defined.

Commissioner means the Commissioner of Financial Institutions.  (Added to NRS by 1987, 2013) — (Substituted in revision for NRS 678.061)
NV Rev Stat § 672.070 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.070 - "Credit union" defined.

Credit union means a cooperative, nonprofit corporation, organized for the purposes of promoting thrift among its members and creating a source of credit for such members at a fair and reasonable rate of interest.  (Added to NRS by 1975, 376) — (Substituted in revision for NRS 678.070)
NV Rev Stat § 672.080 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.080 - "Demand" defined.

Demand means a request for withdrawal or payment in accordance with all conditions of the account and bylaws of the credit union.  (Added to NRS by 1975, 376) — (Substituted in revision for NRS 678.080)
NV Rev Stat § 672.090 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.090 - "Department" defined.

Department means the Department of Business and Industry.  (Added to NRS by 1975, 376; A 1993, 1896) — (Substituted in revision for NRS 678.090)
NV Rev Stat § 672.100 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.100 - "Deposits" defined.

Deposits means that part of the savings liability of a credit union which is credited to the account of the holder thereof.  (Added to NRS by 1975, 377) — (Substituted in revision for NRS 678.100)
NV Rev Stat § 672.110 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.110 - "Director" defined.

Director means the Director of the Department.  (Added to NRS by 1975, 377; A 1993, 1897) — (Substituted in revision for NRS 678.110)
NV Rev Stat § 672.120 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.120 - "Dividend" defined.

Dividend means that part of the net earnings of an association which is declared payable by the board to the holders of record of permanent capital stock.  (Added to NRS by 1975, 377) — (Substituted in revision for NRS 678.120)
NV Rev Stat § 672.125 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.125 - "Fixed assets" defined.

Fixed assets means the real property which constitutes the premises of a credit union or any of its offices, and the furniture, fixtures and equipment of the credit union.  (Added to NRS by 1985, 783) — (Substituted in revision for NRS 678.125)
NV Rev Stat § 672.130 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.130 - "Immediate family" defined.

Immediate family includes any relative, by consanguinity or marriage, of a member living in the member’s household and includes foster and adopted children.  (Added to NRS by 1975, 377) — (Substituted in revision for NRS 678.130)
NV Rev Stat § 672.140 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.140 - "Loan officer" defined.

Loan officer means the officer appointed by the board of directors or by the credit committee to process all applications for loans from the members of the credit union.  (Added to NRS by 1975, 377) — (Substituted in revision for NRS 678.140)
NV Rev Stat § 672.145 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.145 - "Member" defined.

Member means a person who has an account with a credit union and meets the qualifications for membership specified in the articles of incorporation and bylaws of the credit union.  (Added to NRS by 1985, 783) — (Substituted in revision for NRS 678.145)
NV Rev Stat § 672.150 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.150 - "Merger" defined.

Merger means that consolidation of corporate structures which results in the uniting of substantially all the assets and liabilities of one state-chartered corporation with those of another such corporation or with those of a federal corporation.  (Added to NRS by 1975, 377) — (Substituted in revision for NRS 678.150)
NV Rev Stat § 672.160 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.160 - "Multiple-party account" defined.

  1. "Multiple-party account" means:  (a) An account in the name of two or more persons, any one or more of whom may make withdrawals;  (b) An account in the name of one or more persons as trustee for one or more beneficiaries;  (c) An account established for deposit of funds of a partnership, joint venture or other association; or  (d) An account controlled by two or more persons as the duly authorized agents or trustees for a corporation, unincorporated association, charitable or civil organization or any trust, except trusts of deposits evidenced solely by the form of the deposit.  2. At least one party to a multiple-party account shall be a member of the credit union in which the account is established.  (Added to NRS by 1975, 377) — (Substituted in revision for NRS 678.160)
NV Rev Stat § 672.170 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.170 - "Net contribution" defined.

Net contribution means the sum of all deposits which a party to a multiple-party account has made added to any dividends or interest due, less all withdrawals. It includes, in addition, any deposit life insurance proceeds added to the account because of the death of a party whose net contribution is in question.  (Added to NRS by 1975, 377) — (Substituted in revision for NRS 678.170)
NV Rev Stat § 672.180 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.180 - "Party" defined.

Party means any person who, by the terms of the account, has a present right of withdrawal in a multiple-party account. Unless the context indicates otherwise, it includes a guardian, conservator-trustee, personal representative, assignee, an attaching creditor of a party or a trustee. This term does not include any named beneficiary.  (Added to NRS by 1975, 377) — (Substituted in revision for NRS 678.180)
NV Rev Stat § 672.190 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.190 - "Payment" defined.

Payment means the withdrawal and payment of sums on deposit on the directive of a party.  (Added to NRS by 1975, 377) — (Substituted in revision for NRS 678.190)
NV Rev Stat § 672.210 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.210 - "Proof of death" defined.

Proof of death means a death certificate or other statement issued by an appropriate official which indicates that a named person is deceased.  (Added to NRS by 1975, 377) — (Substituted in revision for NRS 678.210)
NV Rev Stat § 672.220 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.220 - "Sums on deposit" defined.

Sums on deposit means the balance payable on a multiple-party account including interest, dividends and any deposit life insurance proceeds added to the account because of the death of a party.  (Added to NRS by 1975, 377) — (Substituted in revision for NRS 678.220)
NV Rev Stat § 672.230 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.230 - "Trust account" defined.

Trust account means any account which states that a party is a trustee for one or more identified persons, including but not limited to minors.  (Added to NRS by 1975, 378) — (Substituted in revision for NRS 678.230)
NV Rev Stat § 672.240 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.240 - "Withdrawal" defined.

Withdrawal means payment to a party or a third person pursuant to a directive of a party.  (Added to NRS by 1975, 378) — (Substituted in revision for NRS 678.240)
NV Rev Stat § 672.250 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.250 - Administration of chapter; regulations of Commissioner.

The Commissioner shall administer the provisions of this chapter, subject to administrative supervision by the Director. The Commissioner shall make the decisions and determinations and adopt regulations which are necessary or reasonably appropriate to accomplish the purposes of this chapter.  (Added to NRS by 1975, 378; A 1977, 96; 1983, 1830; 1987, 2013; 2013, 62) — (Substituted in revision for NRS 678.250)
NV Rev Stat § 672.260 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.260 - Duties of Commissioner; regulations.

The Commissioner shall:  1. Adopt a regulation establishing the minimum surety bond required of credit unions in relation to the amount of property under their control.  2. Adopt a regulation that sets forth the records a credit union must keep and prescribes the period for which those records must be retained.  3. Maintain the original application of every credit union in a permanent file.  4. Maintain for at least 6 years, every report filed by a credit union with the Division of Financial Institutions.  5. Except as otherwise provided in NRS 672.800 and 672.810, deposit all fees, charges for expenses, assessments and other money which is collected pursuant to the provisions of this chapter or any regulation adopted pursuant thereto in the State Treasury pursuant to the provisions of NRS 658.091.  6. Prepare copies of articles of incorporation and bylaws consistent with the provisions of this chapter which may be used by persons interested in organizing a credit union.  (Added to NRS by 1975, 378; A 1977, 102; 1983, 1328, 1639, 1830, 2015; 1985, 784; 1987, 2013; 1989, 924; 1999, 1452; 2003, 3234) — (Substituted in revision for NRS 678.260)
NV Rev Stat § 672.270 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.270 - Powers of Commissioner concerning regulations and legal actions.

The Commissioner may:  1. Adopt regulations, subject to the advice of the Credit Union Advisory Council, establishing chartering, supervisory and examination fees; and  2. Cause appropriate legal action to be taken in the district court of any county to secure an injunction or order restraining a violation of this chapter.  (Added to NRS by 1975, 378; A 1983, 1831; 1987, 2013; 2013, 63) — (Substituted in revision for NRS 678.270)
NV Rev Stat § 672.275 (2021)
2021 Nevada Revised Statutes|Chapter 672 - Credit Unions|NRS 672.275 - Certain relationships between employee of Division of Financial Institutions and licensee prohibited; termination of prohibited relationship.

  1. Except as provided in subsections 3 and 4, an officer or employee of the Division of Financial Institutions shall not:  (a) Be directly or indirectly interested in or act on behalf of any credit union chartered by this state;  (b) Receive, directly or indirectly, any payment from any such credit union;  (c) Be indebted to any state credit union;  (d) Engage in the negotiation of loans for others with any such credit union; or  (e) Obtain credit or services from a state credit union conditioned upon a fraudulent practice or undue or unfair preference over other customers.  2. An employee of the Division in the unclassified service of the State shall not obtain new extensions of credit from a state credit union while in office.  3. Any officer or employee of the Division of Financial Institutions may be indebted to a credit union on the same terms as are available to the public generally upon:  (a) A mortgage loan on his or her own real property.  (b) A secured installment debt.  (c) An unsecured debt.  4. Any officer or employee of the Division of Financial Institutions may establish and maintain savings deposits or share accounts with credit unions to the greatest amount insured, receive interest on those deposits or shares and borrow money secured by a pledge of those deposits or shares.  5. If an officer or employee of the Division of Financial Institutions has a service, a preferred consideration, an interest or a relationship prohibited by this section at the time of his or her appointment or employment, or obtains it during his or her employment, he or she shall terminate it within 120 days after the date of his or her appointment or employment or the discovery of the prohibited act.  (Added to NRS by 1983, 1829) — (Substituted in revision for NRS 678.275)