reglab/housing_qa huggingface dataset:
NJ Rev Stat § 17:11C-88 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:11C-88 - Noncompliance, effect on validity, enforcement of mortgage loans.

17:11C-88 Noncompliance, effect on validity, enforcement of mortgage loans.  38. The failure of any person to comply with the provisions of this act shall not affect the validity or enforceability of any mortgage loan, and no person acquiring a mortgage loan shall be required to ascertain if a residential mortgage lender has made the loan in compliance with the provisions of this act. L.2009, c.53, s.38.
NJ Rev Stat § 17:11C-89 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:11C-89 - Rules, regulations.

17:11C-89 Rules, regulations.  39. The commissioner may issue and promulgate rules and regulations, in accordance with the "Administrative Procedure Act," P.L.1968, c. 410 (C.52:14B-1 et seq.), necessary to effectuate the provisions of this act. L.2009, c.53, s.39.
NJ Rev Stat § 17:11D-1 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:11D-1 - Definitions relative to tax preparation services.

17:11D-1 Definitions relative to tax preparation services.  1. As used in this act: "Client" means an individual who engages the services of a tax preparer. "Commissioner" means the Commissioner of Banking and Insurance. "Refund anticipation loan" means a loan that is secured by, or that the tax preparer anticipates from, a client's federal or State income tax refund. "Tax preparation services" means services provided for a fee or other consideration to a client to: (1) assist with preparing or filing State or federal individual income tax returns; (2) assume final responsibility for completed work on an individual income tax return on which preliminary work has been completed by another; or (3) offer, facilitate, or make refund anticipation loans. "Tax preparer" means an individual, corporation, partnership, limited liability company, association, trustee or other entity who provides tax preparation services. L.2007, c.258, s.1.
NJ Rev Stat § 17:11D-2 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:11D-2 - Actions prohibited to tax preparer.

17:11D-2 Actions prohibited to tax preparer.  2. No tax preparer shall: a. Without reasonable cause, fail to promptly, diligently and without unreasonable delay complete a client's tax return; b. Obtain the signature of a client to a tax return or authorizing document containing blank entries to be completed after the document has been signed; c. Fail to sign a client's tax return as the tax preparer; d. Fail or refuse to give a client a copy of any document requiring the client's signature within a reasonable time after the client signs the document; e. Fail to retain for at least four years a copy of individual income tax returns; f. Fail to maintain a confidential relationship with a client or former client; g. Fail to take reasonable measures to maintain the confidentiality of information or documents provided by the client; h. Produce, authorize, publish, disseminate, circulate, or cause to make any false, deceptive, or misleading statement or representation relating to or in connection with the offering or provision of tax preparation services; i. Require a client to enter into a refund anticipation loan in order to complete a tax return; j. Claim, or make representations to a client concerning, credits or deductions for which the tax preparer knows or reasonably should know the client does not qualify; k. Charge, offer to accept, or accept a fee based on a percentage of an anticipated refund in exchange for tax preparation services; or l. Withhold or decline to return to a client documentation provided by the client for use in preparing a client's tax return. L.2007, c.258, s.2.
NJ Rev Stat § 17:11D-3 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:11D-3 - Refund anticipation loans, compliance, disclosures required.

17:11D-3 Refund anticipation loans, compliance, disclosures required.  3. a. Any tax preparer offering, facilitating, or making refund anticipation loans shall comply with the provisions of the "New Jersey Consumer Finance Licensing Act," sections 1 through 49 of P.L.1996, c.157 (C.17:11C-1 et seq.), N.J.S.2C:21-19, and R.S.31:1-1 et seq. The interest rate for any loan shall include any rate, fee, charge, consideration, or other thing of value received or retained by, or credited to, the lender, directly or indirectly, for the loan or forbearance. b. At the time a tax preparer offers or facilitates a refund anticipation loan to the client, the tax preparer shall provide, and verbally explain, to the client the following statement, to be printed in at least 14-point type: NOTICE TO BORROWER THIS IS A LOAN. THE ANNUAL PERCENTAGE RATE (APR), BASED ON THE ESTIMATED PAYMENT PERIOD IS (fill in estimated APR). YOUR TAX REFUND WILL BE USED TO REPAY THE LOAN. AS A RESULT, THE AMOUNT OF YOUR REFUND WILL BE REDUCED BY (fill in the dollar amount) FOR FEES, INTEREST AND OTHER CHARGES.  AS AN ALTERNATIVE TO THIS LOAN, YOU CAN RECEIVE YOUR FULL REFUND IN APPROXIMATELY TWO WEEKS IF YOU FILE YOUR RETURN ELECTRONICALLY AND THE INTERNAL REVENUE SERVICE WILL SEND YOUR FULL REFUND TO YOUR BANK ACCOUNT. c. If, under the terms of the refund anticipation loan, the client is subject to additional interest when a refund is delayed, the following statement shall also be included in the notice: IF YOU CHOOSE TO TAKE THIS LOAN AND YOUR REFUND IS DELAYED, YOU MAY HAVE TO PAY ADDITIONAL INTEREST. d. A tax preparer may use an alternative disclosure in lieu of the disclosure set forth in subsections b. and c. provided that: (1) the information provided to the taxpayer in the alternative disclosure includes information substantially equivalent in scope and content to the specific language set forth in subsections b. and c.; (2) the alternative disclosure includes a chart listing examples of the refund anticipation loan fees and Annual Percentage Rates, calculated using the guidelines established under the federal Truth in Lending Act, title I of Pub.L.90-321 (15 U.S.C.s.1601 et seq.), for loans of at least three different representative loan amounts; and (3) the alternative disclosure includes a chart listing the estimated timelines for the delivery of funds to the taxpayer under various delivery methods, including Internal Revenue Service mailed check, Internal Revenue Service direct deposit into a taxpayer's preexisting bank account, and through a refund anticipation loan. L.2007, c.258, s.3; amended 2009, c.53, s.67.
NJ Rev Stat § 17:11D-4 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:11D-4 - Itemized statement of service charges.

17:11D-4 Itemized statement of service charges.  4. A tax preparer shall provide an itemized statement of service charges to the client, including, but not limited to, charges for each of the following: a. tax return preparation; b. electronic filing of a tax return; and c. providing or facilitating a refund anticipation loan. L.2007, c.258, s.4.
NJ Rev Stat § 17:11D-5 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:11D-5 - Additional penalties.

17:11D-5 Additional penalties.  5. In addition to any sanctions provided by N.J.S.2C:21-19, R.S.31:1-1 et seq., or any other provision of law, a tax preparer who violates any provision of this act shall be liable to a civil administrative penalty not exceeding $1,000 for each violation, to be collected in a summary proceeding pursuant to the "Penalty Enforcement Law of 1999," P.L.1999, c.274 (C.2A:58-10 et seq.). L.2007, c.258, s.5.
NJ Rev Stat § 17:11D-6 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:11D-6 - Inapplicability of act.

17:11D-6 Inapplicability of act.  6. The provisions of this act shall not apply to: a. a tax preparer providing tax preparation services to less than six clients per calendar year; b. an individual providing tax preparation services for a spouse, parent, grandparent, child or sibling;  c. an employee who, as part of the regular clerical duties of his or her employment, prepares an employer's income, sales or payroll tax returns;  d. any fiduciary, or the regular employee of a fiduciary, while acting on behalf of the fiduciary estate, the testator, trustor, grantor, or their beneficiaries; e. an attorney admitted to practice law in New Jersey; f. a certified public accountant or public accountant qualified to practice in New Jersey;  g. an enrolled agent who has passed the special enrollment examination administered by the Internal Revenue Service; or h. the Internal Revenue Service's Volunteer Income Tax Assistance (VITA) Program, provided that it receives no compensation for or in connection with any services performed for or products purchased by the taxpayer. L.2007, c.258, s.6.
NJ Rev Stat § 17:11D-7 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:11D-7 - Rules, regulations.

17:11D-7 Rules, regulations.  7. The commissioner shall promulgate rules and regulations in accordance with the "Administrative Procedure Act," P.L.1968, c.410 (C.52:14B-1 et seq.) necessary to carry out the provisions of this act. L.2007, c.258, s.7.
NJ Rev Stat § 17:12B-1 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:12B-1 - Construction as revision of prior laws

17:12B-1. Construction as revision of prior laws  This act shall be construed as a revision of, and shall supersede, all provisions of the "Savings and Loan Act," approved April 4, 1946 (P.L.1946, c. 56), including all amendments thereof and supplements thereto. L.1963, c. 144, s. 1. Amended by L.1964, c. 19, s. 2.
NJ Rev Stat § 17:12B-2 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:12B-2 - Citation

17:12B-2. Citation  This act shall be known and may be cited as the "Savings and Loan Act (1963)." L.1963, c. 144, s. 2.
NJ Rev Stat § 17:12B-3 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:12B-3 - Application of act

17:12B-3. Application of act  No State association shall hereafter be incorporated for the purposes stated in this act, except pursuant to the provisions of this act. The provisions of this act shall apply to all associations in existence and operating under the provisions of chapter 12 of Title 17 of the Revised Statutes and the "Savings and Loan Act," approved April 4, 1946 (P.L.1946, c. 56) at the date of the enactment of this act and where specifically set forth to all Federal associations having their principal offices in this State. L.1963, c. 144, s. 3. Amended by L.1964, c. 19, s. 3.
NJ Rev Stat § 17:12B-3.1 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:12B-3.1 - Contracts with association supervisors of other states

17:12B-3.1. Contracts with association supervisors of other states  101.The Commissioner is authorized to enter into contracts with association supervisors of other states for the purpose of establishing effective and efficient supervisory and regulatory structures and practices with respect to the provisions of sections 87 through 100 of this 1996 amendatory and supplementary act. L.1996,c.17,s.101.
NJ Rev Stat § 17:12B-4 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:12B-4 - Determination of members' rights and liabilities

17:12B-4. Determination of members' rights and liabilities  The rights and liabilities of each member of an association, shall be determined by and shall be subject to the provisions of this act and all amendments thereof and supplements thereto, and to the provisions of the association's by-laws, and all changes which shall be made in such by-laws from time to time. L.1963, c. 144, s. 4.
NJ Rev Stat § 17:12B-6 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:12B-6 - Gross income

17:12B-6. Gross income  "Gross income" shall mean the sum, for an accounting period, of the following: (a) Operating income. (b) Real estate income. (c) All profits actually received during such accounting period from the sale or transfer of securities, real estate or other property unless credited directly to reserve accounts. (d) Any nonrecurring income unless credited directly to reserve accounts. L.1963, c. 144, s. 6.
NJ Rev Stat § 17:12B-7 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:12B-7 - Net income

17:12B-7. Net income  "Net income" shall mean gross income, for an accounting period, less the aggregate of the following: (a) Operating expenses. (b) Real estate expenses. (c) All losses actually sustained during such accounting period from the sale of securities, real estate or other property as shall not have been charged to reserves. (d) All interest paid, or due but unpaid, on borrowed money. (e) Any nonrecurring charges. L.1963, c. 144, s. 7.
NJ Rev Stat § 17:12B-8 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:12B-8 - Principal office; branch office; auxiliary office; remote service unit

17:12B-8. Principal office; branch office; auxiliary office; remote service unit  (a) "Principal office" shall mean the legally established office of an association for the transaction of its business, other than a branch office, auxiliary office, agency, or a remote service unit of the association. (b) "Branch office" shall mean a legally established office of an association, other than the principal office, an auxiliary office, agency, or a remote service unit of the association, at which such operations as may be authorized by the board not inconsistent with the limitations of this act may be conducted. (c) "Auxiliary office" shall mean a place of business other than the principal office, a branch office, agency, or a remote service unit of an association wherein operations of an association may be conducted within the limitations set forth in this act relating to auxiliary offices. (d) (Deleted by amendment.) (e) "Remote service unit" shall mean an information processing device, including associated equipment, structures and systems, by which information relating to financial services rendered to the public is stored and transmitted to a financial institution. The term includes, without limitation, both "on-line" computer terminals and "off-line" cash dispensing machines. It excludes automated teller machines or devices on the premises of an association, unless shared with other financial institutions. L.1963, c. 144, s. 8. Amended by L.1975, c. 159, s. 1, eff. July 18, 1975; L.1981, c. 376, s. 1, eff. Dec. 31, 1981.
NJ Rev Stat § 17:12B-9 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:12B-9 - Agency

17:12B-9. Agency  "Agency" shall mean a place of business other than the principal office, a branch office, auxiliary office, or a remote service unit of an association, at which an agent or agents of the association may receive payments on savings accounts, payments on loans or any obligations to the association for the purpose of transmission thereof to the principal office or to a branch office of the association. At such agency, an agent or agents may perform such other duties not inconsistent with the limitations of this act as may be authorized from time to time by the board. L.1963, c. 144, s. 9. Amended by L.1975, c. 159, s. 2, eff. July 18, 1975; L.1981, c. 376, s. 2, eff. Dec. 31, 1981.
NJ Rev Stat § 17:12B-10 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:12B-10 - Per capita assets

17:12B-10. Per capita assets  "Per capita assets" shall mean the total savings and loan assets divided by the population. (a) Per capita assets for the State shall be the total assets of the associations having their principal offices in the State as of the last preceding December 31, divided by the population of the State. (b) Per capita assets for a county shall be the total assets of the associations and their branch offices operating within such county as of the last preceding December 31, divided by the population of the county. (c) Per capita assets for a municipality shall be the total assets of the associations and their branch offices operating within such municipality as of the last preceding December 31, divided by the population of the municipality. (d) Where an association maintains offices in more than one municipality, the per capita assets of such association for the municipality in which there is a branch office application pending shall be computed by taking that percentage of the total assets of the association as the total savings account balances actually held in the office or offices physically located within such municipality bear to the total savings account balances held by the association. In all cases, assets and savings account balances shall be taken as of the last preceding December 31. L.1963, c. 144, s. 10. Amended by L.1965, c. 127, s. 1.
NJ Rev Stat § 17:12B-12 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:12B-12 - Purposes

17:12B-12. Purposes  The purposes of associations operating under the provisions of this act shall be promoting thrift, home ownership and housing or otherwise investing funds in accordance with the provisions of this act. L.1963, c. 144, s. 12. Amended by L.1974, c. 137, s. 2, eff. Oct. 23, 1974.
NJ Rev Stat § 17:12B-13 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:12B-13 - Persons who may form corporation

17:12B-13. Persons who may form corporation  Any 9 or more persons, domiciled in this State, and citizens of the United States, hereinafter referred to as incorporators, may associate to form a corporation for the purposes specified in this act, by complying with the terms, conditions and procedure herein stated. L.1963, c. 144, s. 13.
NJ Rev Stat § 17:12B-14 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:12B-14 - Contents of certificate of incorporation of a mutual association

17:12B-14. Contents of certificate of incorporation of a mutual association  Contents of certificate of incorporation of a mutual association. The incorporators shall personally sign a certificate of incorporation, which shall state:  (1) The name of the State association, which shall contain the words "savings and loan association" or "savings bank S.L. A." The name shall not be one already in use by another association in this State, nor one so similar thereto as to deceive the public or lead to uncertainty or confusion and this provision shall be subject to any law otherwise restricting or prohibiting the use of the word "bank" or "banker" or "banking"; provided, however, that any association organized under this act may make representations describing its powers, services or functions provided for in this act.  (2) The street, street number, if any, and the municipality in this State in which the State association is to be located.  (3) That it is incorporated to operate as a mutual association pursuant to this act for the purposes herein stated.  (4) The name, residence (including street and number, if any) post office address and occupation of each incorporator.  (5) The amount which each incorporator agrees to subscribe for and pay into the guaranty account of the State association.  L.1963, c.144, s.14; amended by L. 1974, c. 137, s. 3; 1987, c. 225, s. 9.
NJ Rev Stat § 17:12B-15 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:12B-15 - Original by-laws

17:12B-15. Original by-laws  The incorporators shall adopt the original by-laws of the association. L.1963, c. 144, s. 15.
NJ Rev Stat § 17:12B-16 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:12B-16 - Application to commissioner for approval

17:12B-16. Application to commissioner for approval  The certificate of incorporation and the by-laws shall be submitted to the commissioner for his approval. Within 10 days thereafter, the commissioner shall give written notice to each incorporator, of the time and place designated by him for a hearing, by mailing the same to each incorporator at the post-office address stated in the certificate of incorporation. The time designated for such hearing shall be not less than 6 weeks nor more than 8 weeks after the date upon which the commissioner mails such notice. L.1963, c. 144, s. 16.
NJ Rev Stat § 17:12B-17 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:12B-17 - Notice of application and hearing thereon

17:12B-17. Notice of application and hearing thereon  The incorporators shall give public notice of such application and of the time and place designated by the commissioner for the hearing thereon, by publishing the same prior to the time of hearing at least once a week for 4 weeks in at least 1 newspaper published and circulating in the municipality where the principal office of the State association will be located. If there is no newspaper published in such municipality, the notice shall be published in a newspaper, to be designated by the commissioner, circulating in said municipality. Said notice shall also state the proposed name of the State association, the name of the municipality where the principal office of the State association will be located, the names and addresses, both residence and post office, of the incorporators, and the aggregate amount which they have agreed to invest in the State association before it commences business. The incorporators shall also mail or cause to be mailed, at least 3 weeks prior to the time designated for said hearing, a copy of such notice to all associations, having principal or branch offices within the county where the principal office of the proposed State association is to be located. Upon the request of the incorporators, the commissioner shall furnish a written list showing the names and street addresses of all State associations to which such notice must be sent. L.1963, c. 144, s. 17.