reglab/housing_qa huggingface dataset:
NH Rev Stat § 361-A:8 (2021)
2021 New Hampshire Revised Statutes|Title XXXIII-A - Retail Installment Sales|Title 361-A - Retail Installment Sales of Motor Vehicles|Section 361-A:8 - Finance Charge.

    361-A:8 Finance Charge. –||I. Notwithstanding the provisions of any other law, the finance charge on any retail installment contract under this chapter shall be such as may be agreed upon by the buyer and the seller or by the buyer and the sales finance company.||II. Such finance charge shall be computed on the principal balance as determined under paragraph II of RSA 361-A:7 on contracts payable in successive monthly payments substantially equal in amount. Such finance charge may be computed on the basis of a full month for any fractional month period in excess of 10 days. A minimum finance charge of $25 may be charged on any retail installment transaction.||III. When a retail installment contract provides for unequal or irregular installment payments, the finance charge may be at the effective rates permitted in paragraph I, having due regard for the schedule of payments so that the finance charge may provide the same yield as is permitted in a regular payment transaction.||IV. Any sales finance company may purchase or acquire or agree to purchase or acquire from any seller any contract on such terms and conditions as may be agreed upon between them. Filing of the assignment, notice to the buyer of the assignment, and any requirement that the holder maintain dominion over the payments or the motor vehicle if repossessed shall not be necessary to the validity of a written assignment of a contract as against creditors, subsequent purchasers, pledgees, mortgagees and lien claimants of the seller. Unless the buyer has notice of the assignment of his contract, payment thereunder made by the buyer to the last known holder of such contract shall be binding upon all subsequent holders.|||Source. 1961, 193:1. 1980, 501:2, 3. 1981, 127:1. 1995, 63:7, eff. Jan. 1, 1996.|
NH Rev Stat § 361-A:9 (2021)
2021 New Hampshire Revised Statutes|Title XXXIII-A - Retail Installment Sales|Title 361-A - Retail Installment Sales of Motor Vehicles|Section 361-A:9 - Repealed by 1997, 322:28, I, eff. June 23, 1997.

    361-A:9 Repealed by 1997, 322:28, I, eff. June 23, 1997. –|
NH Rev Stat § 361-A:9-a (2021)
2021 New Hampshire Revised Statutes|Title XXXIII-A - Retail Installment Sales|Title 361-A - Retail Installment Sales of Motor Vehicles|Section 361-A:9-a - Books and Records.

    361-A:9-a Books and Records. –||I. A licensee shall keep and use business records in such form and at such location as the commissioner shall by rule determine. The records shall enable the commissioner to determine whether the licensee is complying with the provisions of this chapter, any rules adopted under it, and any other law, rule, or regulation applicable to the conduct of the business for which it is licensed under this chapter. The rules may contain provisions for records to be recorded, copied, or reproduced by any process which accurately reproduces or forms a durable medium for reproducing the original record or document, or in any other form or manner authorized by the commissioner. Nothing in this section shall be construed to permit any licensee to destroy original records or documents. Each licensee shall preserve all such business records for as long a period as the commissioner shall prescribe by rule.||II. If the commissioner or examiner finds any business records to be inadequate, or kept or posted in a manner not in accordance with generally accepted accounting principles, the commissioner may employ experts to reconstruct, rewrite, post, or balance them at the expense of the person being examined if such person has failed to maintain, complete, or correct such business records after the commissioner or examiner has given him or her written notice and a reasonable opportunity to do so.|||Source. 2004, 139:10. 2008, 205:8, eff. Aug. 15, 2008.|
NH Rev Stat § 361-A:10 (2021)
2021 New Hampshire Revised Statutes|Title XXXIII-A - Retail Installment Sales|Title 361-A - Retail Installment Sales of Motor Vehicles|Section 361-A:10 - Repealed by 1997, 322:28, II, eff. June 23, 1997.

    361-A:10 Repealed by 1997, 322:28, II, eff. June 23, 1997. –|
NH Rev Stat § 361-A:10-a (2021)
2021 New Hampshire Revised Statutes|Title XXXIII-A - Retail Installment Sales|Title 361-A - Retail Installment Sales of Motor Vehicles|Section 361-A:10-a - Advertising.

    361-A:10-a Advertising. –||I. No person shall advertise, print, display, publish, distribute, or broadcast or permit to be advertised, printed, displayed, published, distributed, or broadcast in any manner whatsoever any statement or representation with regard to the rates, terms, or conditions for the lending of money under the provisions of this chapter which is false, misleading, or deceptive. Any reference to the amount of a loan shall refer to the original principal amount. Any statement so made of the amount of an installment, or the rate or amount of interest charges required for any loan, shall comply with the provisions of the federal Consumer Credit Protection Act, as amended (15 U.S.C. 1601 et seq.).||II. As part of an examination or investigation undertaken in accordance with this chapter, the banking department may review any advertisement described in paragraph I within 3 years of the date the advertisement is advertised, printed, displayed, published, distributed, or broadcast.|||Source. 1995, 63:8. 2003, 129:11, eff. June 12, 2003. 2018, 196:2, eff. Aug. 7, 2018.|
NH Rev Stat § 361-A:10-b (2021)
2021 New Hampshire Revised Statutes|Title XXXIII-A - Retail Installment Sales|Title 361-A - Retail Installment Sales of Motor Vehicles|Section 361-A:10-b - Sale Contingent on Financing Approval.

    361-A:10-b Sale Contingent on Financing Approval. –||Any retail seller who delivers a motor vehicle to a retail customer before the retail seller has obtained financing approval from a sales finance company shall provide a disclosure, containing the following language in a size equal to at least 10 point bold type, which must be signed by the retail buyer:||"The retail seller of the motor vehicle has not obtained financial approval for the terms contained in the retail installment contract from a sales finance company. If the retail seller obtains financial approval from a sales finance company under the terms of the retail installment contract, the sale shall be final and binding on the retail seller and the retail customer. If final approval of the terms of the retail installment contract cannot be obtained from a sales finance company, the retail installment contract shall be canceled. The retail seller shall return to the buyer any consideration received in the transaction, including, but not limited to, any motor vehicle traded in, any deposit, and any fees paid by the buyer. The buyer shall, upon being notified that the retail seller was unable to obtain financing approval, return the motor vehicle to the retail seller."|||Source. 2004, 141:4, eff. July 23, 2004.|
NH Rev Stat § 361-A:10-c (2021)
2021 New Hampshire Revised Statutes|Title XXXIII-A - Retail Installment Sales|Title 361-A - Retail Installment Sales of Motor Vehicles|Section 361-A:10-c - Lien Payoff on Motor Vehicles Accepted in Trade.

    361-A:10-c Lien Payoff on Motor Vehicles Accepted in Trade. –||I. When a person enters into a retail transaction where a consumer trades in or sells a vehicle that is subject to a lien, the person shall, within 21 calendar days of the date of sale, remit payment to the lien holder to pay off the lien on the traded-in or sold motor vehicle, unless the underlying contract has been rescinded before expiration of 21 calendar days.||II. In this section, the term "date of sale" shall be the date the parties entered into the transaction as evidenced by the date written in the contract executed by the parties, or the date the person took possession of the traded-in or sold vehicle. In the event the date of the contract differs from the date the person took possession of the traded-in vehicle, the "date of sale" shall be the date the person took possession of the traded-in vehicle.|||Source. 2008, 83:1, eff. Jan. 1, 2009.|
NH Rev Stat § 361-A:11-a (2021)
2021 New Hampshire Revised Statutes|Title XXXIII-A - Retail Installment Sales|Title 361-A - Retail Installment Sales of Motor Vehicles|Section 361-A:11-a - Applicability.

    361-A:11-a Applicability. –||Persons subject to or licensed under this chapter shall abide by applicable federal laws and regulations, the laws and rules of this state, and the orders of the commissioner. Any violation of such law, regulation, or rule is a violation of this chapter.|||Source. 2004, 139:11, eff. July 23, 2004.|
NH Rev Stat § 361-A:12 (2021)
2021 New Hampshire Revised Statutes|Title XXXIII-A - Retail Installment Sales|Title 361-A - Retail Installment Sales of Motor Vehicles|Section 361-A:12 - Waiver.

    361-A:12 Waiver. –||Any waiver of the provisions of this chapter shall be unenforceable and void.|||Source. 1961, 193:1, eff. Oct. 1, 1961.|
NH Rev Stat § 361-A:13 (2021)
2021 New Hampshire Revised Statutes|Title XXXIII-A - Retail Installment Sales|Title 361-A - Retail Installment Sales of Motor Vehicles|Section 361-A:13 - Records and Filings.

    361-A:13 Records and Filings. –||I. A document is filed when it is received by the commissioner. Examination expenses, fines, penalties, and other moneys obliged to be paid to the department shall be paid within 14 days of receipt of notice by the licensee or other person or at such later time determined by the commissioner. If any filing deadline date falls on a weekend or on a New Hampshire state or federal legal holiday, the due date shall be automatically extended to the next business day following such weekend or holiday.||II. Electronic filings, when received by the commissioner, are deemed filed, and are prima facie evidence that a filing has been duly authorized and made by the signatory on the application or document, are admissible in any civil or administrative proceeding under this chapter, and are admissible in evidence in accordance with the rules of superior court in any action brought by the attorney general under this chapter.||III. A licensee may maintain its records in electronic format if, upon request, the licensee provides the commissioner with:||(a) A full explanation of the programming of any data storage or communications systems in use; and||(b) Information from any books, records, electronic data processing systems, computers or any other information storage system in the form requested by the commissioner.|||Source. 2003, 129:13, eff. June 12, 2003. 2009, 204:14, eff. Sept. 13, 2009.|
NH Rev Stat § 361-B:1 (2021)
2021 New Hampshire Revised Statutes|Title XXXIII-A - Retail Installment Sales|Title 361-B - Retail Selling|Section 361-B:1 - Definition.

    361-B:1 Definition. –||"Home solicitation sale" means a sale of goods or services, priced at $150 or more, in which a seller, a seller's representative, or a person acting for a seller engages in a solicitation and sale at any place other than a permanent place of business of the seller. A cash or credit sale so consummated shall be deemed to be a home solicitation sale.|||Source. 1969, 437:1. 1973, 487:1. 1999, 49:2, eff. Jan. 1, 2000. 2010, 341:3, eff. Jan. 1, 2011.|
NH Rev Stat § 361-B:2-a (2021)
2021 New Hampshire Revised Statutes|Title XXXIII-A - Retail Installment Sales|Title 361-B - Retail Selling|Section 361-B:2-a - Disclosure; Exceptions.

    361-B:2-a Disclosure;  Exceptions. –||I. Except as provided by paragraph II, any person selling or offering for sale any consumer good or service that states a post office box address, a street address representing a site used for the receipt or delivery of mail, or a telephone number representing a telephone answering service in its advertising, solicitations, or promotional materials, including order blanks and forms, shall clearly and conspicuously disclose in such advertising, solicitations, and promotional materials:||(a) The legal name under which business is done;||(b) A complete street address from which business actually is conducted; and||(c) A telephone number for customer inquiries and complaints.||II. The disclosures required under paragraph I shall not be required of any person who:||(a) Sells retail goods and services from trade premises which are open to the public regularly during normal business hours; or||(b) Conducts business where the post office box, street address representing a site used for the receipt or delivery of mail, or telephone answering service is ancillary to the sales made; or||(c) Provides services pursuant to a legal license or under the authority of a state board or agency, a city, town, or county in this state, except for a person conducting a mail order or catalog business, provided the licensing body maintains on record such person's current business street address or home address and provides that address to persons upon request.|||Source. 1986, 137:2. 1999, 49:3. 2000, 305:1, eff. June 21, 2000; 305:2, eff. July 1, 2001.|
NH Rev Stat § 361-B:3 (2021)
2021 New Hampshire Revised Statutes|Title XXXIII-A - Retail Installment Sales|Title 361-B - Retail Selling|Section 361-B:3 - Remedies.

    361-B:3 Remedies. –||I. Any violation of the provisions of this chapter shall constitute an unfair or deceptive act or practice within the meaning of RSA 358-A:2. Any right, remedy or power set forth in RSA 358-A, including those set forth in RSA 358-A:4, II, may be used to enforce the provisions of this chapter.||II. The rights, obligations, and remedies provided in this chapter shall be in addition to any other rights, obligations, or remedies provided for by law or in equity.|||Source. 1969, 437:1. 1973, 487:1. 1986, 137:3, eff. July 1, 1986.|
NH Rev Stat § 361-C:1 (2021)
2021 New Hampshire Revised Statutes|Title XXXIII-A - Retail Installment Sales|Title 361-C - Attorney's Fees in Consumer Cases|Section 361-C:1 - Definitions.

    361-C:1 Definitions. –||In this chapter, "retail installment contract or evidence of indebtedness" means any contract or evidence of indebtedness arising out of:||I. A retail installment sale in which the goods purchased are used primarily for personal, household or family purposes; or||II. A loan or extension of credit payable in installments, or for which a finance charge is or may be imposed, in which the proceeds of the loan or extension of credit are used primarily for personal, household or family purposes.|||Source. 1975, 123:1, eff. July 5, 1975.|
NH Rev Stat § 361-C:2 (2021)
2021 New Hampshire Revised Statutes|Title XXXIII-A - Retail Installment Sales|Title 361-C - Attorney's Fees in Consumer Cases|Section 361-C:2 - Attorney's Fees for Consumer.

    361-C:2 Attorney's Fees for Consumer. –||If a retail installment contract or evidence of indebtedness provides for attorney's fees to be awarded to the retail seller, lender or creditor in any action, suit or proceeding against the retail buyer, borrower or debtor involving the sale, loan or extension of credit, such contract or evidence of indebtedness shall also provide that:||I. Reasonable attorney's fees shall be awarded to the buyer, borrower or debtor if he prevails in||(a) Any action, suit or proceeding brought by the retail seller, lender or creditor; or||(b) An action brought by the buyer, borrower or debtor; and||II. If a buyer, borrower or debtor successfully asserts a partial defense or set-off, recoupment or counterclaim to an action brought by the retail seller, lender or creditor, the court may withhold from the retail seller, lender or creditor the entire amount or such portion of the attorney fees as the court considers equitable.|||Source. 1975, 123:1, eff. July 5, 1975.|
NH Rev Stat § 361-C:3 (2021)
2021 New Hampshire Revised Statutes|Title XXXIII-A - Retail Installment Sales|Title 361-C - Attorney's Fees in Consumer Cases|Section 361-C:3 - Waiver Prohibited.

    361-C:3 Waiver Prohibited. –||No contract or evidence of indebtedness shall contain any provision whereby the buyer, borrower or debtor waives any of his rights under this chapter, and any such waiver shall be deemed against public policy and shall be unenforceable and void.|||Source. 1975, 123:1, eff. July 5, 1975.|
NH Rev Stat § 361-C:4 (2021)
2021 New Hampshire Revised Statutes|Title XXXIII-A - Retail Installment Sales|Title 361-C - Attorney's Fees in Consumer Cases|Section 361-C:4 - Prospective Effect.

    361-C:4 Prospective Effect. –||This chapter shall not apply to any contract or agreement entered into prior to July 5, 1975.|||Source. 1975, 123:1, eff. July 5, 1975.|
NH Rev Stat § 361-D:2 (2021)
2021 New Hampshire Revised Statutes|Title XXXIII-A - Retail Installment Sales|Title 361-D - Motor Vehicle Leasing|Section 361-D:2 - Information to be Included With Solicitation.

    361-D:2 Information to be Included With Solicitation. –||I. Any solicitation to enter into a lease agreement which contains references to the amount of any payment, the number of payments, a statement of any required downpayment or that no payment is required, shall also include a clear and conspicuous statement of all of the following:||(a) A statement that the transaction advertised is a lease.||(b) If the lease is an open end lease, the value placed on the motor vehicle at the inception of the lease and the maximum for which the lessee could be held liable at the end of the lease period, or the method for calculating the lessee's liability.||(c) The amount, if any, required by the lessor as a security deposit, advance periodic payment, or other prepayment.||(d) The term of the lease expressed in months, the amounts and due dates or periods of scheduled payments, and the total amount of periodic payments.||(e) A statement of whether or not the lessee has the option to purchase the leased motor vehicle and at what price and time. The method of determining the price may be substituted for disclosure of the price.||II. No solicitation may state that a specific lease of any motor vehicle at specific amounts or terms is available unless the lessor usually and customarily leases or will lease that motor vehicle at those amounts or terms.||III. Failure to comply with the provisions of this section shall not affect the validity of the leasing agreement. There shall be no liability on the part of any owner or personnel of any advertising medium for any violation of this section.||IV. A lessor shall be deemed to have complied with the requirements of this section if the solicitation includes a clear and conspicuous disclosure of a toll-free telephone number that consumers may use to obtain a free copy of the information required to be disclosed by this section.|||Source. 1996, 85:1, eff. Nov. 15, 1996.|
NH Rev Stat § 361-D:4 (2021)
2021 New Hampshire Revised Statutes|Title XXXIII-A - Retail Installment Sales|Title 361-D - Motor Vehicle Leasing|Section 361-D:4 - Lease Agreement; Warnings.

    361-D:4 Lease Agreement;  Warnings. –||Every lease agreement shall contain, in at least 8-point bold type, above the acknowledgment authorized under RSA 361-D:7 or if none exists the space provided for the lessee's signature and circumscribed by a line, the following warnings which shall be signed or initialed by the lessee:||I. Notice to the lessee:||(a) Do not sign this agreement before you read it or if it contains any blank spaces to be filled in;||(b) You are entitled to a completely filled in copy of this agreement;||(c) If you default in the performance of your obligations under this agreement, the vehicle may be repossessed and you may be subject to suit and liability for an early termination obligation under this agreement.||s/s __________ lessee||II. Warning-Unless a charge is included in this agreement for public liability or property damage insurance, payment for such coverage is not provided by this agreement.||s/s __________ lessee||III. You have the right to return the vehicle, and receive a refund of any payments made if the credit application is not approved, unless nonapproval results from an incomplete application or from incorrect information provided by you.||s/s __________ lessee||IV. New Hampshire law does not provide for a "cooling-off" or other cancellation period for vehicle leases. Therefore, you cannot later cancel this lease simply because you change your mind, decide the base payment or capitalized costs are too much, or wish you had acquired a different vehicle. You may only cancel this lease with the agreement of the lessor or for legal cause, such as fraud.||s/s __________ lessee||V. Any holder of this lease is subject to all claims and defenses which:||(a) You could assert against the lessor of the vehicle that you have leased and||(b) Are clear on the face of the lease.||s/s __________ lessee|||Source. 1996, 85:1, eff. Nov. 15, 1996.|
NH Rev Stat § 361-D:5 (2021)
2021 New Hampshire Revised Statutes|Title XXXIII-A - Retail Installment Sales|Title 361-D - Motor Vehicle Leasing|Section 361-D:5 - Lease Agreement; Prohibited Provisions.

    361-D:5 Lease Agreement;  Prohibited Provisions. –||No lease agreement shall contain any provision by which:||I. A power of attorney is given to confess judgment in this state, or an assignment of wages is given; provided that nothing contained in this paragraph shall prohibit the giving of an assignment of wages contained in a separate instrument.||II. The lessee waives any right of action against the lessor or holder of the lease agreement or other person acting on lessee's behalf for any illegal act committed in the collection of payments under the agreement or in the repossession of the motor vehicle.||III. The lessee relieves the lessor from liability for any legal remedies which the lessee may have against the lessor under the agreement or any separate instruments executed in connection with the agreement.||IV. The lessor or holder of the agreement is given the right to commence action on an agreement under the provisions of this chapter in a county other than the county in which the agreement was signed by the lessee, the county in which the lessee resides at the commencement of the action, the county in which the lessee resided at the time the agreement was entered into or in the county in which the motor vehicle leased pursuant to such agreement is permanently garaged.|||Source. 1996, 85:1, eff. Nov. 15, 1996.|
NH Rev Stat § 361-D:6 (2021)
2021 New Hampshire Revised Statutes|Title XXXIII-A - Retail Installment Sales|Title 361-D - Motor Vehicle Leasing|Section 361-D:6 - Sample Lease Form.

    361-D:6 Sample Lease Form. –||The lessor shall make a blank sample of its current lease form readily available for examination by prospective lessees by furnishing it upon request before the consummation of a lease and shall provide a copy of a sample lease to every prospective lessee upon the signing by the prospective lessee of any motor vehicle order form or other agreement to lease an identified motor vehicle.|||Source. 1996, 85:1, eff. Nov. 15, 1996.|