reglab/housing_qa huggingface dataset:
NV Rev Stat § 690D.200 (2021)
2021 Nevada Revised Statutes|Chapter 690D - Guaranteed Asset Protection Waivers|NRS 690D.200 - Free-look period required; cancellation and refund after free-look period; manner and limitations on time for request of refund; refund may be applied to balance owed on finance agreement.

  1. A guaranteed asset protection waiver must provide a free-look period of not less than 30 days. If the guaranteed asset protection waiver is cancelled within this period and no benefits have been provided, the creditor must refund the full purchase price of the guaranteed asset protection waiver.  2. A borrower must be able to cancel a guaranteed asset protection waiver after the free-look period. If a guaranteed asset protection waiver is cancelled after the free-look period and no benefits have been provided, the creditor must refund any unearned portion of the purchase price of the guaranteed asset protection waiver in the manner specified in the guaranteed asset protection waiver.  3. To request a full or partial refund of the purchase price of a guaranteed asset protection waiver that is cancelled after the free-look period, the borrower must provide a written request for a refund to the person specified in the terms of the guaranteed asset protection waiver. If the guaranteed asset protection waiver is cancelled because the finance agreement is terminated, the borrower must provide the request within 90 days after the termination of the finance agreement.  4. The creditor may apply any refund owed to the borrower because of the cancellation of a guaranteed asset protection waiver, including, without limitation, cancellation during the free-look period or cancellation caused by a default on the finance agreement or the repossession of the vehicle associated with the finance agreement, to any amount still owed to the creditor under the finance agreement.  (Added to NRS by 2015, 2638)
NV Rev Stat § 690D.210 (2021)
2021 Nevada Revised Statutes|Chapter 690D - Guaranteed Asset Protection Waivers|NRS 690D.210 - Required records; length of retention; manner of storage.

  1. A creditor or the designee of a creditor shall maintain records of the transactions governed by this chapter. The records must include, without limitation:  (a) A copy of each type of guaranteed asset protection waiver that the creditor sells or offers for sale;  (b) The name and address of each borrower who possesses a guaranteed asset protection waiver under which the creditor has a duty to perform, to the extent that the creditor knows the name and address of each borrower; and  (c) The date and a description of each claim made by a borrower under a guaranteed asset protection waiver.  2. A creditor or the designee of a creditor shall retain all records relating to a guaranteed asset protection waiver for at least 1 year after the contract has expired.  3. The records required to be maintained pursuant to this section may be stored on a computer disc or other storage device for a computer from which the records may be readily printed.  (Added to NRS by 2015, 2639)
NV Rev Stat § 690D.220 (2021)
2021 Nevada Revised Statutes|Chapter 690D - Guaranteed Asset Protection Waivers|NRS 690D.220 - Inspection of records by Commissioner.

A creditor shall, within 14 business days after a request by the Commissioner, make available to the Commissioner for inspection any accounts, books and records concerning any guaranteed asset protection waiver sold or offered for sale by the creditor which are reasonably necessary to enable the Commissioner to determine whether the creditor is in compliance with the provisions of this chapter.  (Added to NRS by 2015, 2639)
NV Rev Stat § 690D.230 (2021)
2021 Nevada Revised Statutes|Chapter 690D - Guaranteed Asset Protection Waivers|NRS 690D.230 - Authority of Commissioner to issue cease and desist order; notice and hearing; fines.

Except as otherwise provided in NRS 690D.100:  1. The Commissioner may order any person, including, without limitation, a creditor or administrator, to cease and desist any conduct that violates any provision of this chapter.  2. A person who violates any provision of this chapter may, after a hearing conducted pursuant to NRS 679B.310 to 679B.370, inclusive, be assessed a civil penalty by the Commissioner of not more than $500 for each act or violation, not to exceed an aggregate amount of $10,000 for violations of a similar nature. For the purposes of this section, violations shall be deemed to be of a similar nature if the violations consist of the same or similar conduct, regardless of the number of times the conduct occurred.  (Added to NRS by 2015, 2639)
NV Rev Stat § 691A.010 (2021)
2021 Nevada Revised Statutes|Chapter 691A - Property Insurance|NRS 691A.010 - Applicability of other provisions.

All contracts of property insurance covering subjects located in this state are subject to the applicable provisions of chapter 687B of NRS (the insurance contract), and to other applicable provisions of this Code.  (Added to NRS by 1971, 1779)
NV Rev Stat § 691A.020 (2021)
2021 Nevada Revised Statutes|Chapter 691A - Property Insurance|NRS 691A.020 - Insurer of mobile homes to offer coverage which pays replacement value in event of total loss of manufactured home or mobile home.

  1. Except as otherwise provided in subsection 3, each insurer which provides a policy for a personal line of property insurance covering a manufactured home or mobile home in Nevada that was manufactured within the immediately preceding 15 years shall offer to an insured, on a form approved by the Commissioner and in addition to any other insurance, the option of purchasing insurance to pay the replacement value of the manufactured home or mobile home in the event of a total loss of the manufactured home or mobile home, including the reasonable costs for:  (a) Transporting and installing the replacement manufactured home or mobile home; and  (b) Debris removal.  2. Nothing in this section requires any insurer to offer any insurance on manufactured homes or mobile homes at a premium which is not fair and adequate.  3. The provisions of this section do not apply to a policy of insurance placed on a manufactured home or a mobile home by a creditor or lender.  4. As used in this section:  (a) "Manufactured home" has the meaning ascribed to it in NRS 489.113.  (b) "Replacement value" means the amount needed to repair, replace or rebuild a damaged or destroyed manufactured home or mobile home using new materials of similar kind and quality with no deduction for depreciation. The term does not include the value of land.  (Added to NRS by 1981, 475; A 2011, 3387)
NV Rev Stat § 691A.030 (2021)
2021 Nevada Revised Statutes|Chapter 691A - Property Insurance|NRS 691A.030 - Loans secured by real property: Lender prohibited from requiring borrower to insure improvements to property for more than their replacement value.

  1. A lender shall not require a borrower, as a condition of obtaining or maintaining a loan secured by real property, to provide property insurance on improvements to real property in an amount that exceeds the reasonable replacement value of the improvements.  2. As used in this section:  (a) "Borrower" means a mortgagor, grantor of a deed of trust or other debtor.  (b) "Improvement to real property" means a fixture, building or other structure attached to real property and intended as a permanent addition to the property.  (c) "Lender" means a mortgagee, beneficiary of a deed of trust or other creditor who holds a mortgage, deed of trust or other instrument that encumbers real property as security for the repayment of a debt.  (Added to NRS by 2001, 1465
NV Rev Stat § 691A.040 (2021)
2021 Nevada Revised Statutes|Chapter 691A - Property Insurance|NRS 691A.040 - Regulations.

The Commissioner may adopt regulations to carry out the provisions of this chapter.  (Added to NRS by 2011, 3387)
NV Rev Stat § 691B.010 (2021)
2021 Nevada Revised Statutes|Chapter 691B - Sureties|NRS 691B.010 - Applicability of other provisions.

All contracts of surety insurance covering subjects located or to be performed in this state are subject to the applicable provisions of chapter 687B of NRS (the insurance contract), and to other applicable provisions of this Code.  (Added to NRS by 1971, 1779)
NV Rev Stat § 691B.020 (2021)
2021 Nevada Revised Statutes|Chapter 691B - Sureties|NRS 691B.020 - Corporate bonds satisfy legal requirements.

  1. Whenever a bond, undertaking, recognizance, guaranty or other obligation is required, permitted, authorized or allowed, or whenever the performance of any act, duty or obligation, or forbearance is required, permitted, authorized or allowed to be secured or guaranteed, such bond, undertaking, recognizance or other obligation, or such security or guaranty, may be executed by an insurer authorized in this state to transact surety insurance, and such insurers are authorized and empowered to execute all such instruments.  2. In case two or more of such insurers execute any such instrument, each of such insurers is hereby authorized and empowered to limit its liability therein to an amount less than the aggregate penalty of such instrument and also to limit its liability to a pro rata part of any and all losses under such instrument.  3. The execution by any such insurer of such bond, undertaking, recognizance, guaranty or other obligation by an officer, attorney-in-fact or other authorized representative shall be sufficient and be accepted as and be a full compliance with every law or other requirement now in force or that may hereafter be enacted or made that such bond, undertaking, recognizance, guaranty or like obligation be required or permitted or be executed by a surety or sureties, or that such surety or sureties be residents, householders or freeholders, or possess any other qualifications.  (Added to NRS by 1971, 1779)
NV Rev Stat § 691B.030 (2021)
2021 Nevada Revised Statutes|Chapter 691B - Sureties|NRS 691B.030 - Estoppel to deny power.

Any insurer which executes any surety contract as surety shall be estopped, in any proceeding to enforce the liability which it has assumed to incur, to deny its power to execute such contract or assume such liability.  (Added to NRS by 1971, 1780)
NV Rev Stat § 691C.010 (2021)
2021 Nevada Revised Statutes|Chapter 691C - Credit Personal Property Insurance|NRS 691C.010 - Definitions.

As used in this chapter, unless the context otherwise requires, the words and terms defined in NRS 691C.020 to 691C.230, inclusive, have the meanings ascribed to them in those sections.  (Added to NRS by 2005, 2105)
NV Rev Stat § 691C.020 (2021)
2021 Nevada Revised Statutes|Chapter 691C - Credit Personal Property Insurance|NRS 691C.020 - "Closed-end credit" defined.

Closed-end credit means a credit transaction that is not open-end credit.  (Added to NRS by 2005, 2105)
NV Rev Stat § 691C.030 (2021)
2021 Nevada Revised Statutes|Chapter 691C - Credit Personal Property Insurance|NRS 691C.030 - "Collateral" defined.

Collateral means personal property in which a purchase money security interest is retained or personal property that is pledged as security for the satisfaction of a debt.  (Added to NRS by 2005, 2105)
NV Rev Stat § 691C.040 (2021)
2021 Nevada Revised Statutes|Chapter 691C - Credit Personal Property Insurance|NRS 691C.040 - "Compensation" defined.

Compensation means any valuable consideration, direct or indirect, paid by or on behalf of the insurer, or by any subsidiary or parent, or subsidiary of the parent of the insurer, or by any other person to or on behalf of any group policyholder or producer or withheld from an insurer by any group policyholder or producer, and includes:  1. Paid or credited commissions or contingent commissions.  2. Fees for services, consulting fees or any other fee paid or credited within or outside this State in direct relation to the volume of premiums produced or written in this State.  3. The use of electronic data processing equipment or services, except for devices provided in lieu of books and charts of rates and refunds usable only for that purpose.  4. The furnishing of supplies, except forms approved by the Commissioner, the usual forms for claims and reports, envelopes for transmitting claims and brochures, and books and charts of rates and refunds.  5. Providing rental equipment of any type.  6. Advertising.  7. Providing telephone service without charge or at a charge less than the usual cost.  8. Participation in a profit-sharing plan.  9. Dividends and refunds or credits based on experience ratings.  10. An allowance for expenses.  11. Participation in stock plans or bonuses.  12. Any form of credit, including the use of money.  13. Commissions for reinsurance, ceded or assumed.  14. Reinsurance with a nonauthorized insurer owned or controlled by a creditor or producer or with a nonauthorized insurer in which a creditor or producer is a stockholder.  15. Any commission or fee, inducement or intention to induce, or any other consideration arising from the sale of insurance or other product or service, except credit personal property insurance as part of the transaction in which the indebtedness is arranged or the application for the credit personal property insurance is made.  (Added to NRS by 2005, 2105)
NV Rev Stat § 691C.050 (2021)
2021 Nevada Revised Statutes|Chapter 691C - Credit Personal Property Insurance|NRS 691C.050 - "Credit agreement" defined.

Credit agreement means the written document that sets forth the terms of the credit transaction and includes the security agreement.  (Added to NRS by 2005, 2106)
NV Rev Stat § 691C.060 (2021)
2021 Nevada Revised Statutes|Chapter 691C - Credit Personal Property Insurance|NRS 691C.060 - "Credit personal property insurance" defined.

Credit personal property insurance means a policy, endorsement, rider, binder, certificate or other instrument or evidence of insurance written in connection with a credit transaction that:  1. Covers perils to the goods purchased through a credit transaction or used as collateral for a credit transaction and that concerns the interest of a creditor in the purchased goods or pledged collateral either in whole or in part; or  2. Covers perils to goods purchased in connection with an open-end credit transaction.  (Added to NRS by 2005, 2106)
NV Rev Stat § 691C.070 (2021)
2021 Nevada Revised Statutes|Chapter 691C - Credit Personal Property Insurance|NRS 691C.070 - "Credit transaction" defined.

Credit transaction means any transaction for which the terms of repayment of money loaned or loan commitment made, or payment of goods, services or properties sold or leased, is to be made at a future date.  (Added to NRS by 2005, 2106)
NV Rev Stat § 691C.080 (2021)
2021 Nevada Revised Statutes|Chapter 691C - Credit Personal Property Insurance|NRS 691C.080 - "Creditor" defined.

Creditor means the lender of money or vendor or lessor of goods, services, property, rights or privileges for which payment is arranged through a credit transaction, and includes:  1. The successor to the right, title or interest of;  2. An affiliate, associate or subsidiary of;  3. Any director, officer or employee of; or  4. Any other person in any way associated with,  any such lender, vendor or lessor.  (Added to NRS by 2005, 2106)
NV Rev Stat § 691C.090 (2021)
2021 Nevada Revised Statutes|Chapter 691C - Credit Personal Property Insurance|NRS 691C.090 - "Creditor-placed insurance" defined.

Creditor-placed insurance means single-interest insurance or dual-interest insurance that is purchased by the creditor, as the named insured, after a credit transaction:  1. According to the terms of the credit agreement as a result of the debtor’s failing to provide required insurance, the cost for which is charged to the debtor; and  2. For coverage against loss, expense or damage to personal property used as collateral as a result of fire, theft, collision or other risk of loss that would impair the interest of the creditor or adversely affect the value of the collateral.  (Added to NRS by 2005, 2106)
NV Rev Stat § 691C.100 (2021)
2021 Nevada Revised Statutes|Chapter 691C - Credit Personal Property Insurance|NRS 691C.100 - "Debtor" defined.

Debtor means a borrower of money or a purchaser or lessee of goods, services, property, rights or privileges for which payment is arranged through a credit transaction.  (Added to NRS by 2005, 2106)
NV Rev Stat § 691C.110 (2021)
2021 Nevada Revised Statutes|Chapter 691C - Credit Personal Property Insurance|NRS 691C.110 - "Dual-interest insurance" defined.

Dual-interest insurance means credit personal property insurance covering the interest of the creditor or seller and any portion of the interest of the borrower in goods purchased through the credit transaction or pledged as collateral for the credit transaction.  (Added to NRS by 2005, 2106)
NV Rev Stat § 691C.120 (2021)
2021 Nevada Revised Statutes|Chapter 691C - Credit Personal Property Insurance|NRS 691C.120 - "Experience" defined.

Experience means earned premiums and incurred losses during the experience period.  (Added to NRS by 2005, 2106)
NV Rev Stat § 691C.130 (2021)
2021 Nevada Revised Statutes|Chapter 691C - Credit Personal Property Insurance|NRS 691C.130 - "Experience period" defined.

Experience period means the most recent period of time that is not more than 3 years and for which earned premiums and incurred losses are reported.  (Added to NRS by 2005, 2106)
NV Rev Stat § 691C.140 (2021)
2021 Nevada Revised Statutes|Chapter 691C - Credit Personal Property Insurance|NRS 691C.140 - "Finance charge" defined.

Finance charge means any charge payable directly or indirectly as an incident to or condition of an extension of credit, including, without limitation, interest, time-price differentials, amounts payable under a discount system of additional charges, service, transaction or carrying charges, loan fees, points or similar charges, appraisal fees or charges incurred for investigating the creditworthiness of the consumer. The term does not include charges as a result of default, taxes, license fees, delinquency charges or filing fees.  (Added to NRS by 2005, 2106)
NV Rev Stat § 691C.150 (2021)
2021 Nevada Revised Statutes|Chapter 691C - Credit Personal Property Insurance|NRS 691C.150 - "Gross debt" defined.

Gross debt means the sum of the remaining payments owed to a creditor by a debtor.  (Added to NRS by 2005, 2107)
NV Rev Stat § 691C.160 (2021)
2021 Nevada Revised Statutes|Chapter 691C - Credit Personal Property Insurance|NRS 691C.160 - "Identifiable charge" defined.

Identifiable charge means a charge for credit personal property insurance that is made to debtors who have that insurance and not made to debtors who do not have that insurance. The term includes a charge for insurance that is disclosed in the credit agreement or other instrument furnished to the debtor which sets forth the financial elements of the credit transaction and any difference in the finance, interest, service or other similar charge made to debtors who are in similar circumstances except for the insured or noninsured status of the debtor.  (Added to NRS by 2005, 2107)
NV Rev Stat § 691C.170 (2021)
2021 Nevada Revised Statutes|Chapter 691C - Credit Personal Property Insurance|NRS 691C.170 - "Incurred losses" defined.

Incurred losses means total claims and claim adjustment expenses paid during the experience period plus any change in claim and claim adjustment expense reserves.  (Added to NRS by 2005, 2107)
NV Rev Stat § 691C.180 (2021)
2021 Nevada Revised Statutes|Chapter 691C - Credit Personal Property Insurance|NRS 691C.180 - "Loss ratio" defined.

Loss ratio means incurred losses divided by the sum of earned premiums.  (Added to NRS by 2005, 2107)
NV Rev Stat § 691C.190 (2021)
2021 Nevada Revised Statutes|Chapter 691C - Credit Personal Property Insurance|NRS 691C.190 - "Net debt" defined.

Net debt means the amount required to liquidate the remaining debt in a single lump-sum payment, excluding all unearned interest and other unearned finance charges.  (Added to NRS by 2005, 2107)
NV Rev Stat § 691C.200 (2021)
2021 Nevada Revised Statutes|Chapter 691C - Credit Personal Property Insurance|NRS 691C.200 - "Nonfiling insurance" defined.

Nonfiling insurance means insurance that indemnifies the creditor for loss of its interest in the collateral due to failure to perfect a security interest in the collateral.  (Added to NRS by 2005, 2107)
NV Rev Stat § 691C.210 (2021)
2021 Nevada Revised Statutes|Chapter 691C - Credit Personal Property Insurance|NRS 691C.210 - "Open-end credit" defined.

Open-end credit means credit extended by a creditor under an agreement in which:  1. The creditor reasonably contemplates repeated transactions;  2. The creditor periodically imposes a finance charge on any outstanding unpaid balance; and  3. The amount of credit that may be extended to the debtor during the term of the agreement up to any limit set by the creditor is generally made available to the extent that any outstanding balance is repaid.  (Added to NRS by 2005, 2107)
NV Rev Stat § 691C.220 (2021)
2021 Nevada Revised Statutes|Chapter 691C - Credit Personal Property Insurance|NRS 691C.220 - "Reverse competition" defined.

Reverse competition means competition among insurers that regularly takes the form of insurers competing for the favor of a person who controls or may control the placement of insurance with insurers that tends to increase insurance premiums or prevents a decrease in insurance premiums in order to give greater compensation to a person who controls or may control the placement of insurance with insurers.  (Added to NRS by 2005, 2107)
NV Rev Stat § 691C.230 (2021)
2021 Nevada Revised Statutes|Chapter 691C - Credit Personal Property Insurance|NRS 691C.230 - "Single-interest insurance" defined.

Single-interest insurance means credit personal property insurance covering only the interest of the seller or creditor in goods purchased through a credit transaction or pledged as collateral in a credit transaction.  (Added to NRS by 2005, 2107)
NV Rev Stat § 691C.240 (2021)
2021 Nevada Revised Statutes|Chapter 691C - Credit Personal Property Insurance|NRS 691C.240 - Scope.

All credit personal property insurance, including guaranteed asset protection insurance, written in connection with credit transactions for personal, family or household purposes is subject to the provisions of this chapter, except:  1. Credit transactions involving extensions of credit primarily for business or commercial purposes;  2. Insurance written in connection with a credit transaction that is secured by a real estate mortgage or deed of trust;  3. Creditor-placed insurance;  4. Title insurance;  5. Nonfiling insurance;  6. Insurance purchased by a creditor after repossession or a similar event in which the creditor acquired possession of the property; and  7. Insurance for which an identifiable charge is not made to or collected from the debtor.  (Added to NRS by 2005, 2107)
NV Rev Stat § 691C.250 (2021)
2021 Nevada Revised Statutes|Chapter 691C - Credit Personal Property Insurance|NRS 691C.250 - Credit personal property insurance sold in conjunction with closed-end credit transaction; insurer prohibited from issuing or selling certain insurance.

For credit personal property insurance sold in conjunction with a closed-end credit transaction, an insurer shall not:  1. Issue credit personal property insurance unless the amount financed exceeds $300;  2. Issue credit personal property insurance in an amount that exceeds the amount of the underlying credit transaction; and  3. Sell credit personal property insurance with a term that exceeds the scheduled term of the underlying credit transaction.  (Added to NRS by 2005, 2108)
NV Rev Stat § 691C.260 (2021)
2021 Nevada Revised Statutes|Chapter 691C - Credit Personal Property Insurance|NRS 691C.260 - Coverage.

Credit personal property insurance must:  1. At a minimum, include the coverage in the standard fire policy with coverage attachment and extended coverage endorsement; and  2. Cover a substantial risk of loss of or damage to the property related to the credit transaction.  (Added to NRS by 2005, 2108)