reglab/housing_qa huggingface dataset:
HI Rev Stat § 481K-6 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481K. Assistive Technology Warranty Act|481K-6 Manufacturer's duty to provide reimbursement for temporary replacement of assistive devices; penalties.

  §481K-6 Manufacturer's duty to provide reimbursement for temporary replacement of assistive devices; penalties. Whenever an assistive device covered by a manufacturer's express warranty is tendered by a consumer to the manufacturer, its agent, representative, assistive device dealer, assistive device lessor, or repair agency dealer from whom it was purchased or exchanged for the purpose of repairing a nonconformity, the manufacturer shall provide directly to the consumer for the duration of the repair period a replacement assistive device or reimbursement for the cost incurred by the consumer to rent a replacement assistive device, if at least one of the following conditions exists:  (1) The repair period exceeds or is expected to exceed ten working days, including the day on which the device is tendered for repair; or  (2) The repair is of the same nonconformity for which the assistive device has been tendered for repair on at least two previous occasions. [L 1997, c 282, pt of §1]
HI Rev Stat § 481L-2 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481L. Motor Vehicle Lease Disclosure Act|481L-2 Disclosures.

  §481L-2 Disclosures. A retail lessor shall:  (1) Disclose in the lease agreement provided to the lessee, in a clear and conspicuous manner, any and all material terms, conditions, and limitations that apply to the lease agreement, including but not limited to the consumer lease disclosures required by the federal Truth in Lending Act and rules adopted under that Act;  (2) Disclose to the retail lessee in the lease agreement in a separate blocked section, in capital letters of at least ten-point bold type, as follows:  THIS IS A LEASE AGREEMENT. THIS IS NOT A PURCHASE AGREEMENT. PLEASE REVIEW THESE MATTERS CAREFULLY AND SEEK INDEPENDENT PROFESSIONAL ADVICE IF YOU HAVE ANY QUESTIONS CONCERNING THIS TRANSACTION. YOU ARE ENTITLED TO AN EXACT COPY OF THE AGREEMENT YOU SIGN. GET ALL PROMISES IN WRITING. ORAL PROMISES ARE DIFFICULT TO ENFORCE. IF YOU REQUEST IT, YOU CAN RECEIVE A COPY OF YOUR LESSOR'S LEASE CALCULATION WORKSHEET BEFORE YOU SIGN OR WITHIN SIX MONTHS AFTER SIGNING. YOU CAN ALSO RECEIVE UPON REQUEST A COPY OF ANY OF THE DOCUMENTS YOU REVIEWED DURING THE LEASE TRANSACTION.;  (3) Disclose to the retail lessee in the lease agreement in capital letters of at least ten-point bold type, with the appropriate amounts specified, the following:  (A) THE GROSS CAPITALIZED COST $____________________  (B) THE CAPITALIZED COST REDUCTION $________________  (C) THE ADJUSTED CAPITALIZED COST $_________________;  (4) Provide the retail lessee with a copy of each document that is signed by the retail lessee during the course of the lease transaction and any document that is referenced or incorporated into the lease agreement. Also, provide the retail lessee with a copy of each document requested by the retail lessee that is presented during the course of the lease transaction;  (5) Prepare all disclosures made pursuant to this section and section 481L-3 and all documents executed in a lease transaction in the language principally used in negotiating the lease transaction; and  (6) Upon request by the retail lessee at any time during the lease transaction and at any time during the first six months of the term of the lease agreement, provide to the retail lessee at no cost to the retail lessee a copy of the retail lessor's worksheets used to calculate the periodic lease payment. Worksheets that are stored on computer media shall be reduced to printed form for the lessee. The worksheets shall be maintained by the retail lessor or its agents during the first six months of the term of the lease agreement. The retail lessor shall not be required to provide those portions of any worksheets that contain dealer markup information or lease assignment settlement amounts. [L 1997, c 82, pt of §1; am L 1998, c 201, §1]
HI Rev Stat § 481L-3 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481L. Motor Vehicle Lease Disclosure Act|481L-3 Trade-in vehicle.

  §481L-3 Trade-in vehicle. A trade-in vehicle used to reduce the gross capitalized cost shall be identified as a trade-in vehicle in the lease agreement and identified by year, make, and model. The lease agreement shall also state, in an amount distinct from the capitalized cost reduction, the total credit value of the trade-in vehicle, including a good-faith estimate of any liability against the trade-in vehicle to be discharged by the retail lessor. [L 1997, c 82, pt of §1]
HI Rev Stat § 481L-4 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481L. Motor Vehicle Lease Disclosure Act|481L-4 Civil remedies.

  §481L-4 Civil remedies. A retail lessor who fails to comply with the requirements of this chapter shall be deemed to have engaged in an unfair or deceptive act or practice in the conduct of trade or commerce within the meaning of section 480-2. [L 1997, c 82, pt of §1; am L 2008, c 19, §28]
HI Rev Stat § 481M-1 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481M. Lease-Purchase Agreements for Personal Property|481M-1 Definitions.

  §481M-1 Definitions. As used in this chapter, unless the context otherwise requires:  "Advertisement" means a commercial message in any medium that aids, promotes, or assists, directly or indirectly, a lease-purchase agreement.  "Cash price" means the price at which retail sellers are selling and retail buyers are buying the same or similar property for cash in the same trade area in which the lessor's place of business is located. Cash price may be evidenced by an amount no greater than twice the documented actual cost, including freight charges and applicable taxes, of the lease-purchase property from an unaffiliated wholesaler, distributor, or manufacturer. A lessor shall maintain records that establish that the price disclosed as the cash price in a lease-purchase agreement is the cash price as defined.  "Consummation" means the time a lessee becomes contractually obligated on a lease-purchase agreement.  "Lessee" means a natural person who rents personal property under a lease-purchase agreement.  "Lessor" means a person who regularly provides the use of property through lease-purchase agreements and to whom lease payments are initially payable on the face of the lease-purchase agreement. [L 1997, c 248, pt of §1]
HI Rev Stat § 481M-2 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481M. Lease-Purchase Agreements for Personal Property|481M-2 Lease-purchase agreement defined.

  §481M-2 Lease-purchase agreement defined. A lease-purchase agreement is an agreement for the use of personal property by a natural person primarily for personal, family, or household purposes, for an initial period of four months or less that:  (1) Is automatically renewable with each payment after the initial period;  (2) Does not obligate or require the lessee to continue leasing or using the property beyond the initial period; and  (3) Permits the lessee to become the owner of the property. [L 1997, c 248, pt of §1]
HI Rev Stat § 481M-3 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481M. Lease-Purchase Agreements for Personal Property|481M-3 Agreements exempt from other laws.

  §481M-3 Agreements exempt from other laws. (a) Lease-purchase agreements are not subject to:  (1) Chapter 476; and  (2) Article 2A or 9 of chapter 490.  (b) This chapter does not apply to the following:  (1) Lease-purchase agreements primarily for business, commercial, or agricultural purposes, or those made with governmental agencies or instrumentalities or with organizations;  (2) A lease of a safe deposit box;  (3) A lease or bailment of personal property which is incidental to the lease of real property, and which provides that the lessee has no option to purchase the leased property; or  (4) A lease of a motor vehicle. [L 1997, c 248, pt of §1]
HI Rev Stat § 481M-4 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481M. Lease-Purchase Agreements for Personal Property|481M-4 Provisions prohibited in agreements.

  §481M-4 Provisions prohibited in agreements. A lease-purchase agreement may not contain:  (1) A confession of judgment;  (2) A negotiable instrument;  (3) A security interest or any other claim of a property interest in any goods except those goods delivered by the lessor pursuant to the lease-purchase agreement;  (4) A wage assignment;  (5) A waiver by the lessee of claims or defenses; or  (6) A provision authorizing the lessor or a person acting on the lessor's behalf to enter upon the lessee's premises or to commit any breach of the peace in the repossession of goods. [L 1997, c 248, pt of §1; am L 2008, c 19, §29]
HI Rev Stat § 481M-5 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481M. Lease-Purchase Agreements for Personal Property|481M-5 Limit on total lease payments.

  §481M-5 Limit on total lease payments. (a) No lessor shall offer a lease-purchase agreement in which the total lease payments necessary to acquire ownership exceed twice the cash price of the rented property.  (b) When fifty per cent of all rental payments made by a lessee equals the cash price of the property disclosed to the lessee in the lease-purchase agreement, the lessee shall own the rented property and the lease-purchase agreement shall terminate. [L 1997, c 248, pt of §1]
HI Rev Stat § 481M-6 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481M. Lease-Purchase Agreements for Personal Property|481M-6 Early termination.

  §481M-6 Early termination. The lessee shall have the right to acquire ownership of the property at any time after the initial payment by tendering to the lessor all past due payments and fees and an amount equal to the cash price stated in the lease-purchase agreement multiplied by a fraction that has as its numerator the number of periodic payments remaining under the agreement and that has as its denominator the total number of periodic payments. [L 1997, c 248, pt of §1]
HI Rev Stat § 481M-7 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481M. Lease-Purchase Agreements for Personal Property|481M-7 Additional charges.

  §481M-7 Additional charges. (a) A lessor may contract for and receive an initial nonrefundable fee not to exceed $10 per lease-purchase agreement. If the lessor requires a security deposit, the amount of the deposit and the conditions under which it will be returned shall be disclosed pursuant to section 481M-13.  (b) A lessor may contract for and receive an initial delivery charge per lease-purchase agreement that shall not exceed $15 in the case of an agreement covering five or fewer items if the lessor actually delivers the items to the lessee's dwelling and the delivery charge is disclosed pursuant to section 481M-14. The delivery charge shall be assessed in lieu of and not in addition to the initial fee in subsection (a). A lessor may not contract for or receive a delivery charge on property redelivered after repair or maintenance.  (c) A lessor may contract for and receive a charge for picking up late payments from the lessee if the lessor is required to do so pursuant to the lease-purchase agreement or is requested to visit the lessee to pick up a payment. In a lease-purchase agreement with payment or renewal dates that are on a monthly basis, this charge may not be assessed more than three times in any six-month period. In lease-purchase agreements with payments or renewal options on a weekly or biweekly basis, this charge may not be assessed more than six times in any six-month period. No charge assessed pursuant to this subsection may exceed $10. A pickup fee may be assessed pursuant to this subsection only in lieu of and not in addition to any late charge assessed pursuant to subsection (d).  (d) The parties may contract for late charges as follows:  (1) For lease-purchase agreements with monthly renewal dates, a late charge not exceeding $5 may be assessed on any payment not made within five days after payment is due, or return of the property is required; or  (2) For lease-purchase agreements with weekly or biweekly renewal dates, a late charge not exceeding $3 may be assessed on any payment not made within three days after payment is due, or return of the property is required.  A late charge on lease-purchase agreements may be collected only once on any accrued payment, no matter how long it remains unpaid. A late charge may be collected at the time it accrues or at any time thereafter. A lessor may elect to waive imposition of a late charge due on an accrued payment in accordance with the terms of the lease-purchase agreement; provided that the waiver shall be in writing and, once a late charge is waived for a specific payment, the lessor may not seek to impose a late charge for the accrued payment in question. No late charge shall be assessed against a payment that is timely, even though an earlier late charge has not been paid in full. [L 1997, c 248, pt of §1; am L 2008, c 19, §30]
HI Rev Stat § 481M-8 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481M. Lease-Purchase Agreements for Personal Property|481M-8 Assignee liability and notice of assignment.

  §481M-8 Assignee liability and notice of assignment. (a) With respect to a lease-purchase agreement, an assignee of the rights of the lessor is subject to all claims and defenses of the lessee against the lessor arising from the lease of property or services, notwithstanding that the assignee is the holder in due course of a negotiable instrument issued in violation of the provisions prohibiting certain negotiable instruments.  (b) A claim or defense of a lessee specified in subsection (a) may be asserted against the assignee under this section only to the extent of the amount owing and paid to the assignee and assignor.  (c) An agreement may not limit or waive the claims or defenses of a lessee under this section.  (d) The lessee is authorized to pay the original lessor until the lessee receives written notification that the rights to payment pursuant to a lease-purchase agreement have been assigned to an assignee and that payment is to be made to the assignee. A notification that does not reasonably identify the rights assigned shall be ineffective. If requested by the lessee, the assignee shall furnish reasonable proof that the assignment has been made, and unless the assignee does so, the lessee may pay the lessor. [L 1997, c 248, pt of §1]
HI Rev Stat § 481M-9 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481M. Lease-Purchase Agreements for Personal Property|481M-9 Unfair or deceptive acts or practices.

  §481M-9 Unfair or deceptive acts or practices. Any person who violates this chapter shall be deemed to have engaged in an unfair or deceptive act or practice within the meaning of section 480-2. [L 1997, c 248, pt of §1]
HI Rev Stat § 481M-10 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481M. Lease-Purchase Agreements for Personal Property|481M-10 Remedies of lessee.

  §481M-10 Remedies of lessee. (a) In case of a violation by a lessor of any provision of this chapter with respect to any lease-purchase agreement, the lessee may bring a suit in any court of competent jurisdiction to recover actual damages from the lessor, or may set off or counterclaim in any action by the lessor. If the court finds that any violation by the lessor has occurred, the court shall award to the lessee a minimum recovery of $250 or twenty-five per cent of the total cost to acquire ownership under the lease-purchase agreement, whichever is greater.  (b) The remedies specified in subsection (a) shall be in addition to any other remedies provided by law.  (c) In any action brought pursuant to this section, the court shall award the prevailing party the costs of the action and reasonable attorney fees. [L 1997, c 248, pt of §1; am L 2008, c 19, §31]
HI Rev Stat § 481M-11 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481M. Lease-Purchase Agreements for Personal Property|481M-11 Unconscionability.

  §481M-11 Unconscionability. (a) With respect to a lease-purchase transaction, if the court as a matter of law finds the transaction, agreement, or any clause of the agreement to have been unconscionable at the time it was made, the court may:  (1) Refuse to enforce the agreement;  (2) Enforce the remainder of the agreement without the unconscionable clause; or  (3) Limit the application of any unconscionable clause to avoid any unconscionable result.  (b) If it is claimed or appears to the court that the transaction, agreement, or clause may be unconscionable, the parties shall be afforded a reasonable opportunity to present evidence as to its setting, purpose, and effect to aid the court in making a determination related to unconscionability.  (c) If, in an action in which unconscionability is claimed, the court finds unconscionability pursuant to this section, the court may award the costs of the action and reasonable attorney fees to the lessee. If the court does not find unconscionability and does find that the lessee claiming unconscionability brought or maintained an action that the lessee knew to be groundless, the court may award the costs of the action and reasonable attorney fees to the party against whom the claim was made. In determining attorney fees, the amount of recovery claimed on behalf of the lessee shall not be controlling.  (d) The remedies of this section shall be in addition to remedies otherwise available for the same conduct authorized under law other than in this chapter, but double recovery of actual damages shall be prohibited.  (e) For the purpose of this section, a charge or practice expressly permitted by this chapter shall not be unconscionable. [L 1997, c 248, pt of §1]
HI Rev Stat § 481M-12 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481M. Lease-Purchase Agreements for Personal Property|481M-12 Waivers.

  §481M-12 Waivers. A lessor shall not require a lessee to waive:  (1) Service of process;  (2) Any defense;  (3) Any counterclaim; or  (4) Right of action against the lessor or a person acting on the lessor's behalf as the lessor's agent; in collection of payments under the lease-purchase agreement or in repossession of the leased property. [L 1997, c 248, pt of §1; am L 2008, c 19, §32]
HI Rev Stat § 481M-13 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481M. Lease-Purchase Agreements for Personal Property|481M-13 Disclosure of information.

  §481M-13 Disclosure of information. (a) The lessor shall disclose to the lessee the information required by this chapter. In a transaction involving more than one lessor, only one lessor need make the disclosures, but all lessors shall be bound by these disclosures. The disclosures shall be made before consummation of the lease-purchase agreement.  (b) The disclosures shall be made clearly and conspicuously in writing and in not less than ten-point standard type. A copy of the disclosures shall be included with the lease-purchase agreement provided to the lessee. All disclosures required by this chapter shall be printed or typed in a color or shade that clearly contrasts with the background. The disclosures required under section 481M-14 shall be made on the face of the lease-purchase agreement above the line for the lessee's signature. Before any payment is due, the lessor shall furnish the lessee with an exact copy of the lease-purchase agreement, which shall be signed by the lessee and which shall evidence the lessee's agreement.  (c) If a disclosure becomes inaccurate as the result of any act, occurrence, or agreement by the lessee after delivery of the required disclosures, the resulting inaccuracy shall not be a violation of this chapter. [L 1997, c 248, pt of §1; am L 2008, c 19, §33]
HI Rev Stat § 481M-15 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481M. Lease-Purchase Agreements for Personal Property|481M-15 Reinstatement of agreement and repossession.

  §481M-15 Reinstatement of agreement and repossession. (a) A lessee who breaches any lease-purchase agreement, including but not limited to the failure to make timely lease payments, shall have the right to reinstate the original lease-purchase agreement without losing any rights or options previously acquired under the lease-purchase agreement if both of the following apply:  (1) Subsequent to having failed to make a timely lease payment, the lessee has promptly surrendered the property to the lessor, in the manner as set forth in the lease-purchase agreement, and if and when requested by lessor; and  (2) Not more than thirty days have passed since the lessee returned the property; provided that if the lessee has made more than sixty per cent of the total number of payments required under the lease-purchase agreement to acquire ownership, the thirty-day period shall be extended to a sixty-day period.  (b) As a condition precedent to reinstatement of the lease-purchase agreement, a lessor may collect a reinstatement fee as set forth in subsection (d).  (c) If reinstatement occurs pursuant to this section, the lessor shall provide the lessee with either the same item leased by the lessee prior to reinstatement or a substitute item of equivalent quality and condition. If a substitute item is provided, the lessor shall provide the lessee with all the information required by section 481M-14.  (d) A reinstatement fee as provided for in this section shall equal the outstanding balance of any accrued missed payments and late charges plus an additional fee not to exceed $5. [L 1997, c 248, pt of §1; am L 2008, c 19, §35]
HI Rev Stat § 481M-16 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481M. Lease-Purchase Agreements for Personal Property|481M-16 Written receipts for cash or money order.

  §481M-16 Written receipts for cash or money order. A lessor shall provide the lessee a written receipt for each payment made by cash or money order. [L 1997, c 248, pt of §1]
HI Rev Stat § 481M-17 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|481M. Lease-Purchase Agreements for Personal Property|481M-17 Renegotiation for new agreement and extensions.

  §481M-17 Renegotiation for new agreement and extensions. (a) A renegotiation shall occur when an existing lease-purchase agreement is satisfied and replaced by a new agreement undertaken by the same lessor and lessee. A renegotiation shall be considered a new agreement requiring new disclosures.  (b) The following events shall not be treated as renegotiations:  (1) The addition or return of property in a multiple-item agreement or in the substitution of the leased property, if in either case the average payment allocable to a payment period is not changed by more than twenty-five per cent;  (2) A deferral or extension of one or more periodic payments, or portions of a periodic payment;  (3) A reduction in charges in the lease or agreement; or  (4) A lease or agreement involved in a court proceeding.  (c) No disclosures are required for any extension of a lease-purchase agreement. [L 1997, c 248, pt of §1; am L 2008, c 19, §36]