reglab/housing_qa huggingface dataset:
MN Stat § 325M.04 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325M — Internet Privacy|Section 325M.04 — When Disclosure Of Personal Information Permitted; Authorization.

325M.04 WHEN DISCLOSURE OF PERSONAL INFORMATION PERMITTED; AUTHORIZATION. Subdivision 1. Conditions of disclosure. An Internet service provider may disclose personally identifiable information concerning a consumer to: (1) any person if the disclosure is incident to the ordinary course of business of the Internet service provider; (2) another Internet service provider for purposes of reporting or preventing violations of the published acceptable use policy or customer service agreement of the Internet service provider; except that the recipient may further disclose the personally identifiable information only as provided by this chapter; (3) any person with the authorization of the consumer; or (4) as provided by section 626A.27. Subd. 2. Authorization. The Internet service provider may obtain the consumer's authorization of the disclosure of personally identifiable information in writing or by electronic means. The request for authorization must reasonably describe the types of persons to whom personally identifiable information may be disclosed and the anticipated uses of the information. In order for an authorization to be effective, a contract between an Internet service provider and the consumer must state either that the authorization will be obtained by an affirmative act of the consumer or that failure of the consumer to object after the request has been made constitutes authorization of disclosure. The provision in the contract must be conspicuous. Authorization may be obtained in a manner consistent with self-regulating guidelines issued by representatives of the Internet service provider or online industries, or in any other manner reasonably designed to comply with this subdivision. History:   2002 c 395 art 1 s 4
MN Stat § 325M.05 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325M — Internet Privacy|Section 325M.05 — Security Of Information.

325M.05 SECURITY OF INFORMATION. The Internet service provider shall take reasonable steps to maintain the security and privacy of a consumer's personally identifiable information. The Internet service provider is not liable for actions that would constitute a violation of section 609.88, 609.89, or 609.891, if the Internet service provider does not participate in, authorize, or approve the actions. History:   2002 c 395 art 1 s 5
MN Stat § 325M.06 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325M — Internet Privacy|Section 325M.06 — Exclusion From Evidence.

325M.06 EXCLUSION FROM EVIDENCE. Except for purposes of establishing a violation of this chapter, personally identifiable information obtained in any manner other than as provided in this chapter may not be received in evidence in a civil action. History:   2002 c 395 art 1 s 6
MN Stat § 325M.07 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325M — Internet Privacy|Section 325M.07 — Enforcement; Civil Liability; Defense.

325M.07 ENFORCEMENT; CIVIL LIABILITY; DEFENSE. A consumer who prevails or substantially prevails in an action brought under this chapter is entitled to the greater of $500 or actual damages. Costs, disbursements, and reasonable attorney fees may be awarded to a party awarded damages for a violation of this section. No class action shall be brought under this chapter. In an action under this chapter, it is a defense that the defendant has established and implemented reasonable practices and procedures to prevent violations of this chapter. History:   2002 c 395 art 1 s 7
MN Stat § 325M.08 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325M — Internet Privacy|Section 325M.08 — Other Law.

325M.08 OTHER LAW. This chapter does not limit any greater protection of the privacy of information under other law, except that: (1) nothing in this chapter limits the authority under other state or federal law of law enforcement or prosecuting authorities to obtain information; and (2) if federal law is enacted that regulates the release of personally identifiable information by Internet service providers but does not preempt state law on the subject, the federal law supersedes any conflicting provisions of this chapter. History:   2002 c 395 art 1 s 8
MN Stat § 325M.09 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325M — Internet Privacy|Section 325M.09 — Application.

325M.09 APPLICATION. This chapter applies to Internet service providers in the provision of services to consumers in this state. History:   2002 c 395 art 1 s 9
MN Stat § 325N.02 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325N — Mortgage Foreclosures|Section 325N.02 — Rescission Of Solicitor Contract.

325N.02 RESCISSION OF SOLICITOR CONTRACT. (a) In addition to any other right under law to rescind a contract, an owner has the right to cancel a solicitor contract until midnight of the third business day after the day on which the owner signs a contract which complies with section 325N.03. (b) Cancellation occurs when the owner gives written notice of cancellation to the solicitor at the address specified in the contract. (c) Notice of cancellation, if given by mail, is effective when deposited in the mail properly addressed with postage prepaid. (d) Notice of cancellation given by the owner need not take the particular form as provided with the contract and, however expressed, is effective if it indicates the intention of the owner not to be bound by the contract. History:  2004 c 263 s 2,26; 2007 c 106 s 22; 2008 c 341 art 5 s 23; 2021 c 7 s 6
MN Stat § 325N.04 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325N — Mortgage Foreclosures|Section 325N.04 — Violations.

325N.04 VIOLATIONS. It is a violation for a solicitor to: (1) claim, demand, charge, collect, or receive any compensation until after the solicitor has fully performed each and every service the solicitor contracted to perform or represented he or she would perform; (2) claim, demand, charge, collect, or receive any fee, interest, or any other compensation for any reason which exceeds eight percent per annum of the amount of any loan which the solicitor may make to the owner. Such a loan must not, as provided in clause (3), be secured by the covered residence or any other real or personal property; (3) take any wage assignment, any lien of any type on real or personal property, or other security to secure the payment of compensation. Any such security is void and unenforceable; (4) receive any consideration from any third party in connection with services rendered to an owner unless the consideration is first fully disclosed to the owner; (5) acquire any interest, directly or indirectly, or by means of a subsidiary or affiliate in a covered residence from an owner with whom the solicitor has contracted; (6) take any power of attorney from an owner for any purpose, except to inspect documents as provided by law; or (7) induce or attempt to induce any owner to enter a contract which does not comply in all respects with sections 325N.02 and 325N.03. History:  2004 c 263 s 4,26; 2007 c 106 s 3,22; 2008 c 341 art 5 s 23; 2021 c 7 s 8
MN Stat § 325N.05 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325N — Mortgage Foreclosures|Section 325N.05 — Waiver Not Allowed.

325N.05 WAIVER NOT ALLOWED. Any waiver by an owner of the provisions of sections 325N.01 to 325N.09 is void and unenforceable as contrary to public policy. Any attempt by a solicitor to induce an owner to waive the owner's rights is a violation of sections 325N.01 to 325N.09. History:  2004 c 263 s 5,26; 2007 c 106 s 22; 2008 c 341 art 5 s 23; 2021 c 7 s 9
MN Stat § 325N.06 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325N — Mortgage Foreclosures|Section 325N.06 — Remedies.

325N.06 REMEDIES. (a) A violation of sections 325N.01 to 325N.09 is considered to be a violation of section 325F.69, and all remedies of section 8.31 are available for such an action. A private cause of action under section 8.31 by an owner is in the public interest. An owner may bring an action against a solicitor for any violation of sections 325N.01 to 325N.09. Judgment must be entered for actual damages, reasonable attorney fees and costs, and appropriate equitable relief. (b) The rights and remedies provided in paragraph (a) are cumulative to, and not a limitation of, any other rights and remedies provided by law. Any action brought pursuant to this section must be commenced within six years from the date of the alleged violation. (c) The court may award exemplary damages up to 1-1/2 times the compensation charged by the solicitor if the court finds that the solicitor violated the provisions of section 325N.04, clause (1), (2), or (4), and the solicitor's conduct was in bad faith. (d) Notwithstanding any other provision of this section, no action may be brought on the basis of a violation of sections 325N.01 to 325N.09, except by an owner against whom the violation was committed or by the attorney general. This limitation does not apply to administrative action by the commissioner of commerce. History:  2004 c 263 s 6,26; 2007 c 106 s 22; 2008 c 341 art 5 s 23; 2021 c 7 s 10
MN Stat § 325N.07 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325N — Mortgage Foreclosures|Section 325N.07 — Penalty.

325N.07 PENALTY. Any person who commits any violation described in section 325N.04 may, upon conviction, be fined not more than $10,000 or imprisoned not more than one year or both. Prosecution or conviction for any violation described in section 325N.04 will not bar prosecution or conviction for any other offenses. These penalties are cumulative to any other remedies or penalties provided by law. History:  2004 c 263 s 7,26; 2007 c 106 s 22; 2008 c 341 art 5 s 23
MN Stat § 325N.08 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325N — Mortgage Foreclosures|Section 325N.08 — Provisions Severable.

325N.08 PROVISIONS SEVERABLE. If any provision of sections 325N.01 to 325N.09 or the application of any of these provisions to any person or circumstance is held to be unconstitutional and void, the remainder of sections 325N.01 to 325N.09 remains valid. History:  2004 c 263 s 8,26; 2007 c 106 s 22; 2008 c 341 art 5 s 23
MN Stat § 325N.09 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325N — Mortgage Foreclosures|Section 325N.09 — Liability.

325N.09 LIABILITY. (a) Any provision in a contract which attempts or purports to require arbitration of any dispute arising under sections 325N.01 to 325N.09 is void at the option of the owner. (b) This section applies to any contract entered into on or after August 1, 2004. History:  2004 c 263 s 9,26; 2007 c 106 s 22; 2008 c 341 art 5 s 23
MN Stat § 325N.10 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325N — Mortgage Foreclosures|Section 325N.10 — Definitions.

325N.10 DEFINITIONS. Subdivision 1. Scope. For the purposes of sections 325N.10 to 325N.18, the terms defined in this section have the meanings given them. Subd. 2. Owner. "Owner" has the meaning given in section 325N.01, paragraph (g). Subd. 3. Property reconveyance. "Property reconveyance" has the meaning given in section 325N.01, paragraph (c). Subd. 4. Equity purchaser. "Equity purchaser" means a person that has acted as the acquirer in a property reconveyance. Equity purchaser also includes a person that has acted in joint venture or joint enterprise with one or more acquirers in a property reconveyance. An equity purchaser does not include: (i) a natural person who shows that the natural person is not in the business of equity purchasing and has a prior personal relationship with the homeowner of the covered residence, unless a showing of fraud under section 325F.69, subdivision 1, has been made, or (ii) a federal or state chartered bank, savings bank, thrift, or credit union. Subd. 5. Resale. "Resale" means a bona fide market sale of the property subject to the property reconveyance by the equity purchaser to an unaffiliated third party. Subd. 6. Resale price. "Resale price" means the gross sale price of the property on resale. Subd. 7. Covered residence. "Covered residence" has the meaning given in section 325N.01, paragraph (f). History:  2004 c 263 s 10,26; 2007 c 106 s 4-6,22; 2008 c 341 art 5 s 23; 2015 c 44 s 33,34; 2015 c 50 s 2,3; 2021 c 7 s 11-15
MN Stat § 325N.11 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325N — Mortgage Foreclosures|Section 325N.11 — Contract Requirement; Form And Language.

325N.11 CONTRACT REQUIREMENT; FORM AND LANGUAGE. An equity purchaser shall enter into every property reconveyance in the form of a written contract. Every contract must be written in letters of a size equal to at least 12-point boldface type, in the same language principally used by the equity purchaser and owner to negotiate the sale of the covered residence and must be fully completed and signed and dated by the owner and equity purchaser before the execution of any instrument of conveyance of the covered residence. History:  2004 c 263 s 11,26; 2007 c 106 s 22; 2008 c 341 art 5 s 23; 2021 c 7 s 16
MN Stat § 325N.12 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325N — Mortgage Foreclosures|Section 325N.12 — Contract Terms.

325N.12 CONTRACT TERMS. Every contract required by section 325N.11 must contain the entire agreement of the parties and must include the following terms: (1) the name, business address, and the telephone number of the equity purchaser; (2) the address of the covered residence; (3) the total consideration to be given by the equity purchaser in connection with or incident to the sale; (4) a complete description of the terms of payment or other consideration including, but not limited to, any services of any nature that the equity purchaser represents he or she will perform for the owner before or after the sale; (5) the time at which possession is to be transferred to the equity purchaser; (6) a complete description of the terms of any related agreement designed to allow the owner to remain in the home, such as a rental agreement, repurchase agreement, contract for deed, or lease with option to buy; (7) a notice of cancellation as provided in section 325N.14, paragraph (b); and (8) the following notice in at least 14-point boldface type, if the contract is printed or in capital letters if the contract is typed, and completed with the name of the equity purchaser, immediately above the statement required by section 325N.14, paragraph (a): "NOTICE REQUIRED BY MINNESOTA LAW Until your right to cancel this contract has ended, ....... (Name) or anyone working for ....... (Name) CANNOT ask you to sign or have you sign any deed or any other document." The contract required by this section survives delivery of any instrument of conveyance of the covered residence, and has no effect on persons other than the parties to the contract. History:  2004 c 263 s 12,26; 2007 c 106 s 22; 2008 c 341 art 5 s 23; 2021 c 7 s 17
MN Stat § 325N.13 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325N — Mortgage Foreclosures|Section 325N.13 — Contract Cancellation.

325N.13 CONTRACT CANCELLATION. (a) In addition to any other right of rescission, the owner has the right to cancel any contract with an equity purchaser until midnight of the fifth business day following the day on which the owner signs a contract that complies with sections 325N.10 to 325N.15 or until 8:00 a.m. on the last day of the period during which the owner has a right of redemption, whichever occurs first. (b) Cancellation occurs when the owner delivers, by any means, written notice of cancellation, provided that, at a minimum, the contract and the notice of cancellation must contain a physical address to which notice of cancellation may be mailed or otherwise delivered. A post office box does not constitute a physical address. A post office box may be designated for delivery by mail only if it is accompanied by a physical address at which the notice could be delivered by a method other than mail. An e-mail address may be provided in addition to the physical address. If cancellation is mailed, delivery is effective upon mailing. If e-mailed, cancellation is effective upon transmission. (c) A notice of cancellation given by the owner need not take the particular form as provided with the contract. (d) Within ten days following receipt of a notice of cancellation given in accordance with this section, the equity purchaser shall return without condition any original contract and any other documents signed by the owner. History:  2004 c 263 s 13,26; 2007 c 106 s 7,22; 2008 c 341 art 5 s 23; 2021 c 7 s 18
MN Stat § 325N.14 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325N — Mortgage Foreclosures|Section 325N.14 — Notice Of Cancellation.

325N.14 NOTICE OF CANCELLATION. (a) The contract must contain in immediate proximity to the space reserved for the owner's signature a conspicuous statement in a size equal to at least 14-point boldface type, if the contract is printed, or in capital letters, if the contract is typed, as follows:     "You may cancel this contract for the sale of your house without any penalty or obligation at any time before   .   (Date and time of day)  See the attached notice of cancellation form for an explanation of this right."   The equity purchaser shall accurately enter the date and time of day on which the cancellation right ends. (b) The contract must be accompanied by a completed form in duplicate, captioned "notice of cancellation" in a size equal to a 12-point boldface type if the contract is printed, or in capital letters, if the contract is typed, followed by a space in which the equity purchaser shall enter the date on which the owner executes the contract. This form must be attached to the contract, must be easily detachable, and must contain in type of at least 10 points, if the contract is printed or in capital letters if the contract is typed, the following statement written in the same language as used in the contract:     "NOTICE OF CANCELLATION   .   (Enter date contract signed)  You may cancel this contract for the sale of your house, without any penalty or obligation, at any time before   .   (Enter date and time of day)  To cancel this transaction, you may use any of the following methods: (1) mail or otherwise deliver a signed and dated copy of this cancellation notice; or (2) e-mail a notice of cancellation to   .   (Name of purchaser)   at .   (Physical address of purchaser's place of business)   .   (E-mail address of foreclosure consultant's place of business)   NOT LATER THAN .   (Enter date and time of day)   I hereby cancel this transaction .   (Date)   .   (Seller's signature)"   (c) The equity purchaser shall provide the owner with a copy of the contract and the attached notice of cancellation at the time the contract is executed by all parties. (d) The five business days during which the owner may cancel the contract must not begin to run until all parties to the contract have executed the contract and the equity purchaser has complied with this section. History:  2004 c 263 s 14,26; 2007 c 106 s 8,22; 2008 c 341 art 5 s 23; 2021 c 7 s 19
MN Stat § 325N.15 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325N — Mortgage Foreclosures|Section 325N.15 — Waiver.

325N.15 WAIVER. Any waiver of the provisions of sections 325N.10 to 325N.18 is void and unenforceable as contrary to public policy except a consumer may waive the five-day right to cancel provided in section 325N.13 if the property is subject to a foreclosure sale within the five business days, and the owner agrees to waive his or her right to cancel in a handwritten statement signed by all parties holding title to the foreclosed property. History:  2004 c 263 s 15,26; 2005 c 10 art 1 s 67; 2007 c 106 s 22; 2008 c 341 art 5 s 23; 2021 c 7 s 20
MN Stat § 325N.16 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325N — Mortgage Foreclosures|Section 325N.16 — Liability.

325N.16 LIABILITY. (a) Any provision in a contract which attempts or purports to require arbitration of any dispute arising under sections 325N.10 to 325N.18 is void at the option of the owner. (b) This section applies to any contract entered into on or after August 1, 2004. History:  2004 c 263 s 16,26; 2007 c 106 s 22; 2008 c 341 art 5 s 23
MN Stat § 326.03 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 326 — Employments Licensed By State|Section 326.03 — License Or Certificate Required.

326.03 LICENSE OR CERTIFICATE REQUIRED. Subdivision 1. Plans; documents. No person, except an architect, engineer, land surveyor, landscape architect, geoscientist, or certified interior designer, licensed or certified as provided for in sections 326.02 to 326.15 shall practice architecture, professional engineering, land surveying, landscape architecture, or professional geoscience, or use the title certified interior designer, respectively, in the preparation of plans, specifications, reports, plats or other architectural, engineering, land surveying, landscape architectural, geoscientific, or interior design documents, or in the observation of architectural, engineering, land surveying, landscape architectural, geoscientific, or interior design projects. In preparation of such documents, reasonable care shall be given to compliance with applicable laws, ordinances, and building codes relating to design. Subd. 2. Exceptions. Nothing contained in sections 326.02 to 326.15 shall prevent persons from advertising and performing services such as consultation, investigation, or evaluation in connection with, or from making plans and specifications for, or from supervising, the erection, enlargement, or alteration of any of the following buildings: (1) dwellings for single families, and outbuildings in connection therewith, such as barns and private garages; (2) two family dwellings; (3) any farm building or accessory thereto; or (4) temporary buildings or sheds used exclusively for construction purposes, not exceeding two stories in height, and not used for living quarters. Subd. 3. Recording. No plat, map, or drawing of any survey or subdivision of lands required by law to be filed or recorded with the county recorder or registered with the registrar of titles of any county, shall be filed, recorded, or registered therein unless there shall be endorsed thereon a certification by a licensed land surveyor. Subd. 4. Exception for persons elected in office. The provisions hereof shall not apply to any person holding an elective office when in discharging the duties thereof such person is required to do work or perform service of the character of work or service usually done or performed by an architect, engineer, land surveyor, landscape architect, or geoscientist. Subd. 5. Insurance companies; rating bureaus. The provisions of sections 326.02 to 326.15 shall not apply to inspection and service work done by employees of insurance companies, their agents, or insurance rating bureaus. History:  (5697-2) 1921 c 523 s 2; 1933 c 404 s 1; 1945 c 380 s 2; Ex1967 c 28 s 2; 1975 c 83 s 1; 1975 c 329 s 4,5; 1976 c 181 s 2; 1976 c 222 s 138; 1978 c 577 s 1,2; 1Sp1981 c 4 art 1 s 30; 1987 c 8 s 1; 1987 c 384 art 1 s 30; 1989 c 329 art 5 s 15; 1990 c 562 art 5 s 11; 1992 c 507 s 6; 1995 c 206 s 8,9; 1998 c 324 s 9