reglab/housing_qa huggingface dataset:
MN Stat § 325G.21 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325G — Consumer Protection; Solicitation Of Sales|Section 325G.21 — Deficiency Judgments; Consumer Transactions; Definitions.

325G.21 DEFICIENCY JUDGMENTS; CONSUMER TRANSACTIONS; DEFINITIONS. Subdivision 1. Scope. As used in section 325G.22, the following terms shall have the meanings assigned to them. Subd. 2. Consumer credit transaction. "Consumer credit transaction" means a sale of personal property, or a loan arranged to facilitate the purchase of personal property, in which (a) credit is granted by a seller or a lender who regularly engages as a seller or lender in credit transactions of the same kind; (b) the buyer is a natural person; (c) the personal property is purchased primarily for a personal, family or household purpose, and not for a commercial, agricultural, or business purpose; and (d) a security interest is retained by the seller or lender. It does not include a transaction pursuant to an open end credit plan authorized by sections 334.16 to 334.18. Subd. 3. Personal property. "Personal property" includes goods. It does not include real property, or personal property which is furnished or used, at the time of sale or subsequently, in the modernization, rehabilitation, repair, alteration, improvement or construction of real property so as to become a part thereof whether or not severable therefrom. Subd. 4. Seller or lender. "Seller or lender" includes an assignee of either. History:   1977 c 180 s 1
MN Stat § 325G.22 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325G — Consumer Protection; Solicitation Of Sales|Section 325G.22 — Limits On Buyer's Liability.

325G.22 LIMITS ON BUYER'S LIABILITY. Subdivision 1. Personal liability of buyer limited. If the seller or lender repossesses or voluntarily accepts surrender of personal property in which the seller or lender has a security interest arising out of a consumer credit transaction and the aggregate amount of the credit extended in the transaction was $7,500 or less, the buyer is not personally liable to the seller or lender for the unpaid balance of the debt arising from the consumer credit transaction, and the seller or lender is not obligated to resell the collateral. Subd. 1a. Adjustment of dollar amounts. The dollar amount in subdivision 1 shall change periodically as provided in section 550.37, subdivision 4a. Subd. 2. Buyer's liability. The buyer may be liable in damages to the seller or lender if the buyer has wrongfully damaged the collateral or wrongfully failed to make the collateral available to the seller or lender. Subd. 3. Restriction on repossession, levy, and sale. If the seller or lender elects to bring an action and obtains judgment against the buyer for a debt arising from a consumer credit transaction, when under this section the seller or lender would not be entitled to a deficiency judgment on repossessing the collateral, (a) the seller or lender may not repossess the collateral, and (b) the collateral is not subject to levy or sale on execution or similar proceedings pursuant to the judgment. History:  1977 c 180 s 2; 1986 c 444; 1990 c 464 s 5; 2013 c 135 art 2 s 7
MN Stat § 325G.23 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325G — Consumer Protection; Solicitation Of Sales|Section 325G.23 — Definitions.

325G.23 DEFINITIONS. Subdivision 1. Scope. As used in sections 325G.23 to 325G.28, the terms defined in this section have the meanings given them. Subd. 2. Club. "Club" means any health club, social referral club or buying club. Subd. 3. Contract. "Contract" means any agreement by which one becomes a member of a club. Subd. 4. Health club. "Health club" means any corporation, partnership, unincorporated association, or other business enterprise having the primary purpose of offering one or more facilities for instruction, training, encouragement, or assistance in physical fitness, in return for the payment of a fee entitling the member to the use of the facilities. The term does not include any nonprofit organizations, any private club owned and operated by its members, or any facility operated by the state or any of its political subdivisions. Subd. 5. Social referral club. "Social referral club" means any corporation, partnership, unincorporated association or other business enterprise organized for profit with the primary purpose of matching members of the opposite sex, by the use of computer or any other means, to facilitate dating or general social contact. Subd. 6. Buying club. "Buying club" means any corporation, partnership, unincorporated association or other business enterprise organized for profit with the primary purpose of providing benefits to members from the cooperative purchase of services or merchandise. Subd. 7. Member. "Member" means a status by which any natural person is entitled to any of the benefits of a club. Subd. 8. Prepayment. "Prepayment" means any payment over $50 for service or merchandise made before the service is rendered or the merchandise is received. The term "prepayment" includes, but is not limited to, the payment of any service fee, initiation fee, application fee, administrative fee, deposit fee, processing fee, enrollment fee, maintenance fee, or similar fee no matter how the fee is denominated. It is not a prepayment if a payment for service is made on the same day the service is rendered. Money received by a club from a financial institution upon assignment of a contract shall be considered prepayment when and to the extent the member is required to make prepayments to the financial institution pursuant to the contract. Subd. 9. Business day. "Business day" means any day other than a Saturday, Sunday, or holiday as defined in section 645.44. Subd. 10. Outstanding liabilities. "Outstanding liabilities" means the amount of prepayment actually received from club members less the amount of the prepayment as prorated over the duration of any contract for services rendered by the club. History:  1974 c 418 s 1; 1987 c 367 s 1-3
MN Stat § 325G.24 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325G — Consumer Protection; Solicitation Of Sales|Section 325G.24 — Right Of Cancellation.

325G.24 RIGHT OF CANCELLATION. Any person who has elected to become a member of a club may cancel such membership by giving written notice of cancellation any time before midnight of the third business day following the date on which membership was attained. Notice of cancellation may be given personally or by mail. If given by mail, the notice is effective upon deposit in a mailbox, properly addressed and postage prepaid. Notice of cancellation need not take a particular form and is sufficient if it indicates, by any form of written expression, the intention of the member not to be bound by the contract. Cancellation shall be without liability on the part of the member and the member shall be entitled to a refund, within ten days after notice of cancellation is given, of the entire consideration paid for the contract. Rights of cancellation may not be waived or otherwise surrendered. History:   1974 c 418 s 2
MN Stat § 325G.25 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325G — Consumer Protection; Solicitation Of Sales|Section 325G.25 — Contract Regulation.

325G.25 CONTRACT REGULATION. Subdivision 1. Form and content. A copy of every contract shall be delivered to the member at the time the contract is signed. Every contract must be in writing, must be signed by the member, must designate the date on which the member signed the contract and must state, clearly and conspicuously in boldface type of a minimum size of 14 points, the following: "MEMBERS' RIGHT TO CANCEL" "If you wish to cancel this contract, you may cancel by delivering or mailing a written notice to the club. The notice must say that you do not wish to be bound by the contract and must be delivered or mailed before midnight of the third business day after you sign this contract. The notice must be delivered or mailed to: (Insert name and mailing address of club). If you cancel, the club will return, within ten days of the date on which you give notice of cancellation, any payments you have made." Subd. 1a. Alternative cancellation notice. In lieu of the notice of cancellation required by subdivision 1, the seller may provide notice in a manner which conforms to applicable federal law or regulation or section 325G.08 so long as the notice provides the information required by subdivision 1. Subd. 2. Failure to contain notice. Every contract which does not contain the notice specified in this section may be canceled by the member at any time by giving notice of cancellation by any means. History:  1974 c 418 s 3; 1975 c 357 s 1,2
MN Stat § 325G.26 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325G — Consumer Protection; Solicitation Of Sales|Section 325G.26 — Limitation On Membership Period.

325G.26 LIMITATION ON MEMBERSHIP PERIOD. No contract shall be valid for a term longer than 18 months from the date upon which the contract is signed. However, a club may allow a member to convert a contract into a contract for a period longer than 18 months after the member has been a member of the club for a period of at least six months. The duration of the contract shall be clearly and conspicuously disclosed in the contract in bold face type of a minimum size of 14 points. History:  1974 c 418 s 4; 1986 c 444
MN Stat § 325G.28 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325G — Consumer Protection; Solicitation Of Sales|Section 325G.28 — Violations.

325G.28 VIOLATIONS. Subdivision 1. Attorney general enforcement authority. The attorney general shall investigate violations of sections 325G.23 to 325G.28. When the attorney general possesses information providing reasonable ground to believe that any person has violated or is about to violate any provision of sections 325G.23 to 325G.28, or that any club is insolvent the attorney general shall be entitled on behalf of the state (a) to sue for and have injunctive relief in any court of competent jurisdiction against any such violation or threatened violation without abridging the penalties provided by law; (b) to sue for and recover for the state, from any person who is found to have violated any provision of sections 325G.23 to 325G.28, a civil penalty, in an amount to be determined by the court, not in excess of $25,000; and in case the club has failed to maintain the bond required by sections 325G.23 to 325G.28, or is insolvent or in imminent danger of insolvency, to sue for and have an order appointing a receiver to wind up its affairs. All civil penalties recovered under this subdivision shall be deposited in the general fund of the state treasury. Subd. 2. Private remedies. In addition to the remedies otherwise provided by law, any person injured by a violation of any of the provisions of sections 325G.23 to 325G.28, may bring a civil action and recover damages, together with costs and disbursements, including reasonable attorney's fees, and receive other equitable relief as determined by the court. History:  1974 c 418 s 6; 1986 c 444
MN Stat § 325G.29 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325G — Consumer Protection; Solicitation Of Sales|Section 325G.29 — Citation.

325G.29 CITATION. Sections 325G.29 to 325G.36 may be cited as the "Plain Language Contract Act." History:   1981 c 274 s 1
MN Stat § 325G.30 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325G — Consumer Protection; Solicitation Of Sales|Section 325G.30 — Definitions.

325G.30 DEFINITIONS. Subdivision 1. Terms. As used in sections 325G.30 to 325G.36, the terms defined in this section have the meanings given them. Subd. 2. Consumer. "Consumer" means any individual who, primarily for personal, family or household purposes: (1) gives consideration for an interest in any services or personal property, including money; (2) transfers or authorizes a security interest on any personal property; or (3) leases residential premises for a term not exceeding three years. Subd. 3. Consumer contract. "Consumer contract" means any written contract with a consumer except: (1) a contract where the price, excluding interest or finance charges, is more than $50,000; (2) a contract through which a consumer mortgages an interest in realty or obtains money or credit to be used to purchase or refinance an interest in realty; (3) a contract in which the sale of personal property is merely incidental to the sale of an interest in realty; (4) a written agreement involving a transaction in securities with a broker-dealer or investment advisor registered with the Securities and Exchange Commission; or (5) a transaction in commodities with a futures commission merchant registered with the Commodities Futures Trading Commission. History:  1981 c 274 s 2; 1983 c 216 art 2 s 7; 1983 c 288 s 4; 1984 c 414 s 1
MN Stat § 325G.31 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325G — Consumer Protection; Solicitation Of Sales|Section 325G.31 — Plain Language Required.

325G.31 PLAIN LANGUAGE REQUIRED. Except as provided in section 325G.32, every consumer contract shall be written in a clear and coherent manner using words with common and everyday meanings and shall be appropriately divided and captioned by its various sections. History:   1981 c 274 s 3
MN Stat § 325G.32 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325G — Consumer Protection; Solicitation Of Sales|Section 325G.32 — Exceptions.

325G.32 EXCEPTIONS. Subdivision 1. Other statutes or regulations. Section 325G.31 does not apply to any consumer contract for which a federal or state statute, rule or regulation prescribes standards of readability applicable to the entire contract. Section 325G.31 does not apply to particular words, phrases, provisions or forms of agreement specifically required, recommended or endorsed by a state or federal statute, rule or regulation. Subd. 2. Customarily used technical terms. A consumer contract may include technical terms to describe the services or property which are the subject of the contract, if the terms are customarily used by consumers in connection with the services or property. History:   1981 c 274 s 4
MN Stat § 325G.33 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325G — Consumer Protection; Solicitation Of Sales|Section 325G.33 — Remedies.

325G.33 REMEDIES. Subdivision 1. Enforcement authority. Any violation of section 325G.31 is a violation of a law under section 8.31, subdivision 1. The remedies provided in section 8.31, subdivisions 3 and 3a, are limited as provided in section 325G.34. Subd. 2. Reformation. In addition to the remedies provided in section 8.31, a court reviewing a consumer contract may reform or limit a provision so as to avoid an unfair result if it finds that: (1) a material provision of the contract violates section 325G.31; (2) the violation caused the consumer to be substantially confused about any of the rights, obligations or remedies of the contract; and (3) the violation has caused or is likely to cause financial detriment to the consumer. If the court reforms or limits a provision of a consumer contract, the court shall also make orders necessary to avoid unjust enrichment. Bringing a claim for relief pursuant to this subdivision does not entitle a consumer to withhold performance of an otherwise valid contractual obligation. No relief shall be granted pursuant to this subdivision unless the claim is brought before the obligations of the contract have been fully performed. History:   1981 c 274 s 5
MN Stat § 325G.34 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325G — Consumer Protection; Solicitation Of Sales|Section 325G.34 — Limits On Remedies.

325G.34 LIMITS ON REMEDIES. Subdivision 1. Penalties. In any proceeding in which civil penalties are claimed from a party for a violation of section 325G.31, it is a defense to the claim that the party made a good faith and reasonable effort to comply with section 325G.31. Subd. 2. Attorney's fees. A party who has made a good faith and reasonable effort to comply with section 325G.31 shall not be assessed attorney's fees or costs of investigation in an action for violating section 325G.31. Subd. 3. Class action attorney's fees. In any class action or series of class actions which arise from the use by a person of a particular consumer contract found to violate section 325G.31, the amount of attorney's fees and costs of investigation assessed against that person and in favor of the consumer class or classes may not exceed $10,000. Subd. 4. Limits on consumer actions. Violation of section 325G.31 is not a defense to a claim arising from a consumer's breach of a consumer contract or to an action for eviction. A consumer may recover actual damages caused by a violation of section 325G.31 only if the violation caused the consumer to be substantially confused about the rights, obligations or remedies of the contract. Subd. 5. Statute of limitations. Any claim that a consumer contract violates section 325G.31 must be raised within six years of the date the contract is executed by the consumer. History:  1981 c 274 s 6; 2003 c 2 art 2 s 3
MN Stat § 325G.35 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325G — Consumer Protection; Solicitation Of Sales|Section 325G.35 — Review By The Attorney General.

325G.35 REVIEW BY THE ATTORNEY GENERAL. Subdivision 1. Process of review. Any seller, creditor or lessor may submit a consumer contract to the attorney general for review as to whether the contract complies with the requirements of section 325G.31. After reviewing the contract the attorney general shall: (1) certify that the contract complies with section 325G.31; (2) decline to certify that the contract complies with section 325G.31 and note objections to the contractual language; (3) decline to review the contract and refer the party submitting the contract to other previously certified contracts of the same type; (4) decline to review the contract because the contract's compliance with section 325G.31 is the subject of pending litigation; or (5) decline to review the contract because the contract is not subject to section 325G.31. Subd. 2. Process not reviewable. Actions of the attorney general pursuant to subdivision 1 are not subject to chapter 14, and are not appealable. Subd. 3. Limited effect of certification. Any consumer contract certified pursuant to subdivision 1 is deemed to comply with section 325G.31. Certification of a consumer contract pursuant to subdivision 1 is not otherwise an approval of the contract's legality or legal effect. Subd. 4. Review not required. Failure to submit a contract to the attorney general for review pursuant to subdivision 1 does not show a lack of good faith nor does it raise a presumption that the contract violates section 325G.31. If pursuant to subdivision 1 the attorney general refers a party to a previously certified contract, that the party chooses not to use the contract does not show a lack of good faith nor does it raise a presumption that a contract used by that party violated section 325G.31. Subd. 5. Fee for review. The attorney general may charge a fee, not to exceed $50, for the costs of reviewing a consumer contract pursuant to subdivision 1. History:  1981 c 274 s 7; 1982 c 424 s 130; 1986 c 444
MN Stat § 325G.36 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325G — Consumer Protection; Solicitation Of Sales|Section 325G.36 — Waivers Void.

325G.36 WAIVERS VOID. Subdivision 1. Consumer contract waivers. Any provision of a consumer contract which waives or attempts to waive any provision of sections 325G.29 to 325G.36 is void. Subd. 2. Consumer credit transaction contract waivers. Any provision of a consumer credit transaction contract which waives or attempts to waive any provision of section 325G.22 is void. History:  1981 c 274 s 8; 1987 c 349 art 1 s 38
MN Stat § 325G.37 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325G — Consumer Protection; Solicitation Of Sales|Section 325G.37 — Effective Date.

325G.37 EFFECTIVE DATE. Sections 325G.29 to 325G.34 and 325G.36 take effect on July 1, 1983. Section 325G.35 takes effect May 29, 1981. Sections 325G.29 to 325G.36 do not affect any consumer contract executed before July 1, 1983. A previously existing consumer contract renewed after July 1, 1983, is subject to sections 325G.29 to 325G.36. No provision for renewal of a consumer contract is invalid merely because compliance with sections 325G.29 to 325G.36 changes the form of the renewal agreement. For the purposes of this section periodic tenancies renew at the commencement of each rental period. History:   1981 c 274 s 9
MN Stat § 325G.40 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325G — Consumer Protection; Solicitation Of Sales|Section 325G.40 — Citation.

325G.40 CITATION. Sections 325G.40 to 325G.47 may be cited as the "Credit Card Disclosure Act." History:   1987 c 256 s 1
MN Stat § 325G.41 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325G — Consumer Protection; Solicitation Of Sales|Section 325G.41 — Definitions And Computations.

325G.41 DEFINITIONS AND COMPUTATIONS. Subdivision 1. Generally. Except as otherwise provided, the terms used in sections 325G.40 to 325G.47 have the meanings prescribed in Code of Federal Regulations, title 12, part 226. Except as otherwise provided, the computations required under sections 325G.40 to 325G.47 shall be made as provided in Code of Federal Regulations, title 12, part 226. Subd. 2. Credit card application. "Credit card application" means any written form, document, or material distributed by or on behalf of a creditor and designed to be used by a consumer to request or accept the issuance of a credit card. Subd. 3. Creditor. "Creditor" includes any credit card issuer that extends either open-end credit or credit that is not subject to a finance charge and is not payable in installments. History:   1987 c 256 s 2
MN Stat § 325G.43 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325G — Consumer Protection; Solicitation Of Sales|Section 325G.43 — Penalties.

325G.43 PENALTIES. A person violating section 325G.42 is subject to the penalties provided in section 8.31. History:   1987 c 256 s 4
MN Stat § 325G.44 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325G — Consumer Protection; Solicitation Of Sales|Section 325G.44 — Damages.

325G.44 DAMAGES. A person injured by a violation of section 325G.42 may recover actual damages in an action other than a class action, together with costs and disbursements, including a reasonable attorney's fee, and receive other equitable relief as determined by the court. History:   1987 c 256 s 5
MN Stat § 325G.45 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325G — Consumer Protection; Solicitation Of Sales|Section 325G.45 — Federal Law.

325G.45 FEDERAL LAW. If a creditor becomes required by federal law to make disclosure of the terms required in section 325G.42 in connection with the distribution of a credit card application, then the creditor is considered to have complied with the requirements of section 325G.42 if the creditor complies with the federal disclosure requirement. History:   1987 c 256 s 6