reglab/housing_qa huggingface dataset:
AK Stat § 45.10.130 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 10. Alaska Retail Installment Sales Act|Sec. 45.10.130. Insurance.

If the cost of insurance is included in the retail installment contract or retail charge agreement and a separate charge is made to the buyer for the insurance, (1) the contract or agreement must state the nature, purpose, and amount of the insurance, and in connection with the sale of a motor vehicle, the contract must state that the insurance coverage ordered under the terms of this contract does or does not include “bodily injury liability,” “public liability,” and “property damage liability” coverage, as applicable; (2) the contract or agreement must state whether the insurance is to be procured by the buyer or the seller; (3) the amount included for the insurance may not exceed the premiums chargeable in accordance with the rate fixed for the insurance by the insurer except where the amount is less than $1; and if the insurance is cancelled or terminated for any reason, the refund for unearned insurance premiums received by the seller or an assignee of the seller, together with the unearned portion of the service charge applicable to the insurance, shall be credited to the final maturing installments of the retail installment contract or retail charge agreement, and the remaining balance of the unearned insurance premiums shall be refunded to the buyer; however, no cash refund is required if the amount is less than $1; (4) if the insurance is to be procured by the seller or holder, the seller or holder shall, within 45 days after delivery of the goods or furnishing of the services under the contract, deliver, mail, or cause to be mailed to the buyer at the address as specified in the contract a notice that the insurance is procured, a copy of the policy or policies of insurance, or a certificate of the insurance so procured.
AK Stat § 45.10.140 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 10. Alaska Retail Installment Sales Act|Sec. 45.10.140. Agreement not to assert claim or defense.

A provision of a retail installment contract or retail charge agreement by which the buyer agrees not to assert a claim or defense arising out of the sale against the seller or an assignee is invalid.
AK Stat § 45.10.150 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 10. Alaska Retail Installment Sales Act|Sec. 45.10.150. Nonwaiver of chapter.

No act or agreement of the retail buyer before or at the time of the making of a retail installment contract, retail charge agreement, or purchases under the contract or agreement constitutes a valid waiver of any of the provisions of this chapter or of any remedies granted to the buyer by law.
AK Stat § 45.10.160 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 10. Alaska Retail Installment Sales Act|Sec. 45.10.160. Contracts and agreements executed before 1963.

This chapter does not invalidate or make unlawful a retail installment contract or retail charge agreement executed before January 1, 1963.
AK Stat § 45.10.170 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 10. Alaska Retail Installment Sales Act|Sec. 45.10.170. Action by attorney general.

The attorney general may bring an action in the name of the state against a person to restrain and prevent a violation of this chapter.
AK Stat § 45.10.180 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 10. Alaska Retail Installment Sales Act|Sec. 45.10.180. Assurance of discontinuance.

(a) In the enforcement of this chapter, the attorney general may accept an assurance of discontinuance of an act or practice considered in violation of this chapter from a person engaging in or who has engaged in the act or practice. The assurance shall be in writing and be filed with and subject to the approval of the superior court of the district in which the alleged violator resides or in which the principal place of business of the alleged violator is located. (b) Failure to perform the terms of the assurance is prima facie proof of a violation of this chapter for the purpose of securing an injunction as provided in AS 45.10.170, and for the purposes of AS 45.10.190.
AK Stat § 45.10.190 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 10. Alaska Retail Installment Sales Act|Sec. 45.10.190. Barring recovery for noncompliance.

A seller who enters into a contract or agreement that does not comply with the provisions of this chapter or who violates a provision of this chapter except as a result of an accident or bona fide error may not recover a service charge, official fee, or a delinquency or collection charge under or in connection with the related retail installment contract or purchases under a retail charge agreement. The seller or holder may nevertheless recover from the buyer an amount equal to the cash price of the goods or services and the cost to the seller or holder of insurance included in the transaction.
AK Stat § 45.10.200 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 10. Alaska Retail Installment Sales Act|Sec. 45.10.200. Penalty for violation of order or injunction.

A person who violates an order or injunction issued under this chapter is punishable by a fine of not more than $1,000, or by imprisonment for not more than six months, or by both.
AK Stat § 45.10.210 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 10. Alaska Retail Installment Sales Act|Sec. 45.10.210. Penalty for violation of chapter.

A person who wilfully and intentionally violates a provision of this chapter is guilty of a misdemeanor and, upon conviction, is punishable by a fine of not more than $1,000, or by imprisonment for not more than six months, or by both.
AK Stat § 45.10.215 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 10. Alaska Retail Installment Sales Act|Sec. 45.10.215. Applicability of chapter.

For the purposes of this chapter, a retail installment contract or retail charge agreement is entered into in this state, and is therefore subject to the provisions of this chapter, if either the seller offers or agrees to sell to a resident buyer in this state or if a resident buyer in this state accepts the offer to sell or makes the offer to buy in this state, regardless of any specification in the contract as to its situs.
AK Stat § 45.10.230 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 10. Alaska Retail Installment Sales Act|Sec. 45.10.230. Short title.

This chapter may be cited as the Alaska Retail Installment Sales Act.
AK Stat § 45.20.010 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 20. Purchase of Ore|Sec. 45.20.010. Certain claimants in possession considered owner of ores.

A person in the actual and peaceable possession of a mining claim, under claim or color of title, and engaged in the mining, shipment and treatment, or sale of ore from it, shall, as to all persons purchasing the ore in good faith and without notice as provided in this chapter of the title or claim of title, or ownership of another person to it, be considered to be the lawful owner of the ore.
AK Stat § 45.20.020 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 20. Purchase of Ore|Sec. 45.20.020. When purchaser considered owner of ore; nonliability to person subsequently adjudged owner.

A person who in good faith and in the usual course of business and without notice, as provided in this chapter, purchases and obtains delivery of ore from a person in possession of the mines or mining claim from which the ore has been mined or extracted, shall be considered the owner of the ore except as provided in this chapter; and the purchaser is not liable to, or subject to an action at law or in equity, for the recovery of the ore or the value of it by a person who is later adjudged to be the owner of the mine, or mining claim.
AK Stat § 45.20.030 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 20. Purchase of Ore|Sec. 45.20.030. Notice to purchaser by claimant or owner out of possession; court action.

If a person is or claims to be the owner or entitled to the possession or enjoyment of a mine, mining claim, or premises, then in the possession of another, claiming to be the owner or entitled to the possession and mining, shipping or treating or selling the ore from it, the purchaser may, if the purchaser intends or desires to hold purchasers of or those intending to purchase the ore responsible for the value of the ore, serve upon the purchaser or intending purchaser a notice in writing, which contains the name of the mine, mining claim, or premises, the name of the person claiming or asserting ownership or right to the possession or enjoyment thereof, the name of the person in possession of and mining, shipping and selling ore from it, and warning the purchaser or intending purchaser that the purchaser or intending purchaser will be held liable and responsible for all ore purchased and delivered or to be purchased and delivered from the mine, mining claim, or premises by the person or the heirs, assigns or agents of that person subsequent to the service of the notice. Within 30 days from and after the service of the notice, the person serving it shall institute an action to enforce the person's title against the person in possession of and mining and shipping ore from the mine, mines, mining claim, claims, or premises, and to enjoin the person in possession from the mining or shipment and sale of ores taken from them, pending the action, and at once notify the purchaser or intending purchaser of the ore of the pendency of the action. If the notice is served after the action is started, it is not necessary to begin another under this section.
AK Stat § 45.20.040 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 20. Purchase of Ore|Sec. 45.20.040. Failure to bring action.

If a person claiming the title to or right of possession of a mine, mining claim, or premises, not having before then brought action, serves notice upon a purchaser or intending purchaser of ore as provided in AS 45.20.030, and fails or neglects to begin an action as required in this chapter, the notice shall be considered to have been waived, and the party serving the notice is liable to the parties injured in full damages including costs, and the purchaser or intending purchaser is not bound by anything contained in it.
AK Stat § 45.20.050 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 20. Purchase of Ore|Sec. 45.20.050. Liability of purchaser to person adjudged owner or entitled to possession.

A purchaser of ore, who receives the notice provided for in this chapter, followed or preceded by the commencement of an action, as set out in this chapter, and who purchases or continues to purchase and receive ore taken from the mine, mining claim, or premises named in the notice, is liable and responsible for the value of it to the person who is ultimately adjudged to be the owner or entitled to the possession of it.
AK Stat § 45.30.015 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 30. Sales of Mobile Homes|Sec. 45.30.015. Bonds.

(a) A manufacturer constructing mobile homes for sale in the state shall deposit a performance bond in the amount of $100,000 with the department to assure compliance with the provisions of AS 45.30.011. (b) A manufacturer who discontinues construction of mobile homes for sale in the state shall maintain a performance bond in the required amount for a period of 24 months after the date the last mobile home was delivered to a buyer in the state.
AK Stat § 45.30.018 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 30. Sales of Mobile Homes|Sec. 45.30.018. Private cause of action against bond.

(a) A buyer who has a claim against the manufacturer of the buyer's mobile home for failure to fulfill the manufacturer's obligations under AS 45.30.011 may file an action upon the bond required by AS 45.30.015. (b) Two copies of the complaint and the summons shall be served by certified mail on the attorney general at the time the action is filed. Service upon the attorney general constitutes service on the surety. The attorney general shall transmit one copy of the complaint and summons to the surety within three business days after receiving the summons and complaint. The attorney general shall maintain a record, available for public inspection, of all actions commenced under this section. (c) The remedy provided in this section is in addition to, and not in derogation of, all other rights and remedies that a buyer may have under another law or instrument.
AK Stat § 45.30.025 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 30. Sales of Mobile Homes|Sec. 45.30.025. Surety's liability and right to cancel bond.

(a) The surety shall inform the attorney general in writing of all claims against the bond lodged directly with the surety and all sums paid against the bond. (b) The surety on the bond is not liable in an aggregate amount in excess of that named in the bond. (c) Nothing in this chapter impairs the right of a surety to cancel its bond for lawful reasons; however, a cancellation does not extinguish the surety's liability on the bond for mobile homes previously delivered to buyers in the state.
AK Stat § 45.30.040 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 30. Sales of Mobile Homes|Sec. 45.30.040. Enforcement of compliance.

(a) A department inspector shall give written notice to the owner, dealer, or manufacturer of a mobile home of each violation of AS 45.30.011. The notice of violation shall accurately describe the violation and give specific reference to the section and paragraph of the statutes. (b) [Repealed by § 5 ch 104 SLA 1980.]  (c) Whenever it determines that there may be a violation of the provisions of this chapter by a manufacturer or dealer of mobile homes, the department may give notice of hearing, and, within 30 days after giving notice, a hearing shall be held by the office of administrative hearings (AS 44.64.010) to determine whether there has been a violation. After notice and hearing, (1) if the department finds that there has been a violation of the provisions of this chapter, the department may issue an order directing that the person who is violating the provision cure the violation in a reasonable time and in a reasonable manner; (2) if the department determines that violations of the provisions of this chapter are regular and recurring, it may require forfeiture of the bond to the benefit of the state and arrange for distribution of the proceeds of the bond to the mobile home owners injured by the activities of the dealer or manufacturer, or to mobile home dealers injured by the activities of the manufacturer. (d) The provisions of AS 44.62.330 - 44.62.630 apply to a hearing held under (c) of this section.
AK Stat § 45.30.070 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 30. Sales of Mobile Homes|Sec. 45.30.070. Agreements to locate prohibited.

A vendor of mobile homes may not require as a condition of sale that a purchaser locate the mobile home in a particular mobile home park or in one of a particular group of mobile home parks.
AK Stat § 45.30.100 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 30. Sales of Mobile Homes|Sec. 45.30.100. Definitions.

In this chapter, (1) “buyer” means a person who purchases a mobile home for personal use and not for purposes of resale; (2) “department” means the Department of Law; (3) “mobile home” means a vehicle designed and equipped for human habitation, and which may be drawn by a motor vehicle only when authorized by permit.
AK Stat § 45.35.020 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 35. Lease-Purchases of Personal Property|Sec. 45.35.020. Maintenance and warranties.

(a) A lessor is responsible for making all normal repairs that may be required for the personal property during the lease-purchase agreement, but the lessor is not responsible for any unauthorized repairs or damage caused by improper use. (b) If a manufacturer's warranty covers the personal property when the consumer acquires ownership of the property and if a transfer of the warranty is allowed under the terms of the warranty, the lessor shall transfer warranty to the consumer.
AK Stat § 45.35.030 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 35. Lease-Purchases of Personal Property|Sec. 45.35.030. Late fees.

(a) A lessor may not charge a consumer more than $5 for each payment that is late under a lease-purchase agreement. (b) When calculating time for the purpose of determining whether a lease payment is late and subject to a late fee under a lease-purchase agreement, a lessor may not include any period of time when the personal property has been repossessed by the lessor or voluntarily surrendered by the consumer.
AK Stat § 45.35.040 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 35. Lease-Purchases of Personal Property|Sec. 45.35.040. Prohibited provisions.

A lease-purchase agreement may not contain (1) a confession of judgment; (2) a negotiable instrument; (3) a security interest in, or another claim on, real or personal property that is not the subject of the agreement; (4) a wage assignment; (5) an assignment of an Alaska permanent fund dividend; (6) a waiver by the consumer of claims or defenses relating to the agreement; (7) a provision authorizing the lessor or a person acting on the lessor's behalf to enter the consumer's premises or to commit a breach of the peace in the repossession of personal property; (8) an agreement by the consumer to pay attorney fees and costs, except as allowed under court rules.
AK Stat § 45.35.050 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 35. Lease-Purchases of Personal Property|Sec. 45.35.050. Reinstatement of contract by consumer; repossession.

(a) If a consumer fails to make a payment under a lease-purchase agreement by the time required for the payment and the lessor terminates the agreement due to the consumer's failure to make the payment, the consumer may reinstate the agreement by paying the items identified under (b) of this section before the end of the grace period. (b) The following are the items that must be paid by the consumer in order to reinstate a lease-purchase agreement under (a) of this section: (1) all scheduled payments that are past due under the agreement; (2) the next scheduled payment; (3) the reasonable costs of picking up and redelivering the property if the lessor has picked up the property from the consumer; and (4) any applicable late fee. (c) A consumer who reinstates a lease-purchase agreement under (a) of this section does not lose any rights or options the consumer had under the agreement before the failure to make the payment when due. (d) Notwithstanding (a) of this section, if a consumer has made less than two-thirds of the total amount of payments necessary to acquire ownership of the personal property that is the subject of a lease-purchase agreement and if the consumer has returned or voluntarily surrendered the personal property to the lessor before the end of the grace period other than as a result of a court action, the consumer has 21 days after returning the property to the lessor to reinstate the lease-purchase agreement. (e) Notwithstanding (a) of this section, if a consumer has made two-thirds or more of the total amount of payments necessary to acquire ownership of the personal property that is the subject of a lease-purchase agreement and if the consumer has returned or voluntarily surrendered the personal property to the lessor before the end of the grace period other than as a result of a court action, the consumer has 45 days after returning the personal property to the lessor to reinstate the lease-purchase agreement. (f) This section does not prohibit a lessor from attempting to repossess personal property during the period when the consumer may reinstate the lease-purchase agreement under this section, and repossession does not affect the consumer's right to reinstate the agreement. If the lessor repossesses the personal property, upon reinstatement of the agreement by the consumer under this section, the lessor shall provide the consumer with the same personal property that was repossessed or with personal property of comparable quality and condition. (g) In this section, (1) “grace period” means (A) two days after the agreement's renewal date if, under the agreement, the payments are to be made more often than monthly; or (B) five days after the agreement's renewal date if, under the agreement, the payments are to be made monthly or less frequently; (2) “renewal date” means the date when a payment is to be made that would automatically renew the agreement.
AK Stat § 45.35.060 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 35. Lease-Purchases of Personal Property|Sec. 45.35.060. Application of disclosure requirements upon occurrence of subsequent events.

(a) When a lessor and a consumer replace an existing lease-purchase agreement between the lessor and consumer with a new lease-purchase agreement, the lessor shall make the disclosures required by AS 45.35.010 for the new lease-purchase agreement. In this subsection, “new lease-purchase agreement” does not include (1) the addition of personal property to or the return or substitution of personal property already covered by a lease-purchase agreement that covers more than one item of personal property if the average lease payment allocable to a payment period is not changed by more than 25 percent of the average lease payment before the change; (2) a deferral or extension of a lease payment or portion of a payment; (3) a reduction in the amount of the payments or other charges in the lease-purchase agreement; or (4) a lease-purchase agreement that is the subject of a court action. (b) The lessor is not required to make the disclosures under AS 45.35.010 when the lessor and the consumer extend the length of a lease-purchase agreement.
AK Stat § 45.35.070 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 35. Lease-Purchases of Personal Property|Sec. 45.35.070. Advertisement.

(a) If an advertisement for a lease-purchase agreement refers to or states the dollar amount of a payment and the right to acquire ownership of a specific item of personal property, the advertisement must also clearly and conspicuously state each of the following items that is applicable: (1) that the advertised transaction is a lease-purchase agreement; (2) the total amount to be paid to acquire ownership of the item; and (3) that the consumer will not acquire ownership rights in the item until the consumer pays the total amount to be paid to acquire ownership of the item. (b) The owner and the employees of a communications medium in which an advertisement covered by (a) of this section appears or through which the advertisement is disseminated is not liable for a failure of a lessor to comply with (a) of this section. (c) The requirements of (a) of this section do not apply to an advertisement that is published in the yellow pages of a telephone directory or another similar business directory.
AK Stat § 45.35.080 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 35. Lease-Purchases of Personal Property|Sec. 45.35.080. Written receipts.

On request, a lessor shall provide the consumer with a written receipt for each payment made by cash or money order.
AK Stat § 45.35.090 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 35. Lease-Purchases of Personal Property|Sec. 45.35.090. Coordination with other laws.

(a) If there is a conflict between this chapter and AS 45.12 (Uniform Commercial Code-Leases), this chapter governs. (b) If there is a conflict between this chapter and 15 U.S.C. 1601 - 1693r (Consumer Credit Protection Act), 15 U.S.C. 1601 - 1693r govern.