reglab/housing_qa huggingface dataset:
OR Rev Stat § 714.305 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 714 - Branch Banking; Automated Teller Machines|Section 714.305 - Exempted ATMs and night deposit facilities.

The requirements of ORS 714.280 (2) and 714.285 to 714.295 shall not apply to any ATM or night deposit facility that is: (1) Located inside of a building, unless it is a freestanding installation that exists for the sole purpose of providing an enclosure for the ATM or night deposit facility. (2) Located inside of a building, except to the extent that a transaction can be conducted from outside the building. (3) Located in any area, including any access area, building, enclosed space or parking area that is not controlled by the operator. [1993 c.381 §15]
OR Rev Stat § 714.310 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 714 - Branch Banking; Automated Teller Machines|Section 714.310 - Preemption of local regulation.

ORS 714.210 to 714.315 supersede and preempts all rules, regulations, codes, statutes or ordinances of all cities, counties, municipalities and local agencies regarding customer safety at ATMs or night deposit facilities located in Oregon. [1993 c.381 §16]
OR Rev Stat § 714.315 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 714 - Branch Banking; Automated Teller Machines|Section 714.315 - Creation of rebuttable presumption.

Compliance with ORS 714.280 to 714.300 shall create a rebuttable presumption that the operator of the ATM or night deposit facility in question has provided adequate measures for the safety of users of the ATM or night deposit facility. [1993 c.381 §17]
OR Rev Stat § 714.992 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 714 - Branch Banking; Automated Teller Machines|Section 714.992 - Criminal penalty.

Violation knowingly of ORS 714.270 is a Class C felony. [1975 c.193 §10]
OR Rev Stat § 714.995 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 714 - Branch Banking; Automated Teller Machines|Section 714.995 - Civil penalty.

Each day a banking institution operates a branch with respect to which the banking institution has not filed notice with the Director of the Department of Consumer and Business Services under ORS 714.025, the banking institution is subject to a penalty of up to $1,000. The penalty shall be assessed and collected as prescribed in ORS 706.570 (3). [1997 c.631 §323; 2015 c.244 §89]
OR Rev Stat § 715.012 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 715 - Bank Holding Companies; Financial Holding Companies|Section 715.012 - Application to become financial holding company or bank holding company of Oregon stock bank; filing with Federal Reserve Board and director.

(1) If a company proposes to become a financial holding company or a bank holding company of an Oregon stock bank, when the company files its application and any related materials with the Federal Reserve Board, the company shall submit to the Director of the Department of Consumer and Business Services copies of the application and related materials. (2) The director may submit comments and recommendations for approval or disapproval to the Federal Reserve Board concerning any application to become a financial holding company or a bank holding company of an Oregon stock bank that is filed with the Federal Reserve Board. (3) Following the filing of an application to become a financial holding company or a bank holding company and the submission to the director of the materials described in subsection (1) of this section, the company shall submit to the director copies of any written communications between itself and the Federal Reserve Board that relate to the application, including copies of any written approval or denial of the application. A copy of each such written communication shall be submitted to the director within 10 days after the original thereof is sent or received by the company. [1997 c.631 §329; 2001 c.377 §30]
OR Rev Stat § 715.017 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 715 - Bank Holding Companies; Financial Holding Companies|Section 715.017 - Out-of-state financial holding companies; out-of-state bank holding companies.

An out-of-state financial holding company or an out-of-state bank holding company may become the financial holding company or the bank holding company of: (1) An Oregon stock bank or an in-state federal stock bank, by itself or together with any predecessor, only if the Oregon stock bank or in-state federal stock bank has been engaged in the business of banking in this state for a period of not less than three years prior to the date on which the out-of-state financial holding company or the out-of-state bank holding company becomes the financial holding company or the bank holding company of the Oregon stock bank or in-state federal stock bank. (2) An Oregon stock bank organized under ORS 707.025 that has merged with or acquired all or substantially all of the assets and liabilities of an Oregon stock bank or in-state federal stock bank, by itself or together with any predecessor, only if the Oregon stock bank or in-state federal stock bank has been engaged in the business of banking in this state for a period of not less than three years prior to the date on which the out-of-state financial holding company or the out-of-state bank holding company becomes the financial holding company or the bank holding company of the Oregon stock bank. [1997 c.631 §330; 2001 c.377 §31]
OR Rev Stat § 715.019 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 715 - Bank Holding Companies; Financial Holding Companies|Section 715.019 - Mutual financial holding companies; mutual bank holding companies; authority; rules.

(1) An Oregon nonstock bank may, pursuant to rules adopted by the Director of the Department of Consumer and Business Services, reorganize so that the resulting entities are an Oregon stock savings bank, controlled by a mutual financial holding company or a mutual bank holding company. For purposes of this section, a "mutual financial holding company or a mutual bank holding company" is a financial holding company or a bank holding company that does not issue capital stock. The mutual financial holding company shall be mutually owned by the depositors of the reorganizing Oregon nonstock bank and shareholders of other companies under the control of the mutual financial holding company. The mutual bank holding company shall be mutually owned by the depositors of the reorganizing Oregon nonstock bank. (2) A mutual bank holding company may acquire or invest in the stock of one or more stock savings banks. (3) A mutual bank holding company may merge with or acquire another mutual bank holding company. (4) A mutual bank holding company formed under this section shall be subject to the provisions of this chapter. (5) The director is authorized to adopt rules to carry out the provisions of this section. [1997 c.631 §330a; 2001 c.377 §32]
OR Rev Stat § 715.045 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 715 - Bank Holding Companies; Financial Holding Companies|Section 715.045 - Examination of certain financial holding companies or bank holding companies; payment of costs of examination.

(1) The Director of the Department of Consumer and Business Services may examine the books, accounts, records and files of a financial holding company or a bank holding company of an Oregon stock bank when the director considers it necessary to evaluate the condition of the Oregon stock bank that is a subsidiary of the financial holding company or the bank holding company. (2) The financial holding company or the bank holding company examined shall pay to the director the actual cost of the examination, as determined by the director. [1973 c.797 §340; 1997 c.631 §326; 2001 c.377 §33]
OR Rev Stat § 715.055 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 715 - Bank Holding Companies; Financial Holding Companies|Section 715.055 - Submission of reports filed with Federal Reserve Board; additional information; rules; penalty for failure to submit.

(1) A financial holding company or a bank holding company of an Oregon stock bank shall submit to the Director of the Department of Consumer and Business Services, in a form and format specified by the director, a copy of specified reports that the financial holding company or the bank holding company is required to submit to the Federal Reserve Board. The financial holding company or bank holding company shall submit the copies to the director within the time periods required by applicable federal law and regulation for filing the originals with the Federal Reserve Board. (2) The director may call for additional information from a financial holding company or a bank holding company, in a form and format that the director may prescribe by rule or order, if the director considers the additional information necessary in order to obtain full knowledge of the condition of the Oregon stock bank that the financial holding company or the bank holding company controls. The financial holding company or the bank holding company shall submit the additional information to the director within the time period prescribed by the director. (3) If a financial holding company or a bank holding company fails to submit a report or additional information as required by this section, the financial holding company or the bank holding company shall pay to the director a penalty of up to $1,000 for each day the financial holding company or bank holding company fails to comply. If the financial holding company or the bank holding company delays or refuses to pay the penalty upon demand by the director, the director may maintain an action in the director’s name against the delinquent financial holding company or bank holding company for the recovery of the penalty. [1973 c.797 §341; 1997 c.631 §327; 2001 c.377 §34; 2009 c.541 §36]
OR Rev Stat § 715.075 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 715 - Bank Holding Companies; Financial Holding Companies|Section 715.075 - Authority of financial holding company or bank holding company to acquire corporation licensed as insurance producer; rules.

A financial holding company or a bank holding company may acquire and hold all or part of the stock of a corporation that is or may thereafter be licensed as an insurance producer as required by ORS 744.053 to transact one or more of the classes of insurance described in ORS 744.062, subject to the following requirements: (1) The acquisition and holding of such stock shall be subject to the approval of the Director of the Department of Consumer and Business Services. The director shall base consideration for approval on the condition of the financial holding company or the bank holding company, the adequacy of a formal business plan for the insurance activities and the existence of satisfactory management for the corporation. (2) The director may revoke or restrict the ongoing authority of the financial holding company or the bank holding company to hold stock in the corporation if the condition of the financial holding company or the bank holding company or of any bank owned by it substantially deteriorates or if the insurance activities are adversely affecting the financial holding company or the bank holding company or any bank owned by it. (3) For each calendar year during which a financial holding company or a bank holding company owns all or part of any corporation licensed as an insurance producer as required by ORS 744.053, the financial holding company or the bank holding company shall file a written report with the director. The report shall be filed no later than March 31 of the following year and shall disclose the insurance activities of the corporation. The required contents of the report shall be established by the director by rule. The reports filed with the director under this subsection shall be available for public inspection in the office of the director. (4) The corporation shall not in any manner use customer information obtained by the institution from another insurance producer to promote, develop or solicit insurance business for the corporation unless the other insurance producer consents to such use of the customer information. (5) The corporation shall be subject to the limitations applicable to depository institutions under ORS 746.213 to 746.219. For the purpose of this subsection, "depository institution" has the meaning given that term in ORS 746.213. [1987 c.916 §4; 1989 c.331 §30; 1989 c.701 §66; 1997 c.831 §3; 2001 c.191 §54; 2001 c.377 §35; 2003 c.363 §9; 2003 c.364 §60a; 2005 c.194 §2]
OR Rev Stat § 715.090 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 715 - Bank Holding Companies; Financial Holding Companies|Section 715.090 - Authority of financial holding company or bank holding company to share information concerning customers with controlled company.

(1) A financial holding company or bank holding company may share financial and credit information concerning its customers with any company of which it directly or indirectly controls 50 percent or more of the voting shares. Any company so controlled by a financial holding company or bank holding company may share information concerning its customers with the financial holding company or bank holding company and with any other company so controlled by the same financial holding company or bank holding company. This section shall not be construed as otherwise permitting or limiting the sharing or disclosure of information. (2) For purposes of this section, "customers" includes but is not limited to depositors, borrowers, credit card holders, lessees, purchasers under contracts and applicants for credit. [1985 c.357 §2; 2001 c.377 §36]
OR Rev Stat § 716.024 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 716 - Savings Banks|Section 716.024 - Provisions of Bank Act applicable to Oregon savings banks and Oregon stock savings banks.

(1) The provisions of ORS chapter 706 relating to financial institutions, the following sections in the Bank Act and any other provisions of the Bank Act that by their terms pertain to Oregon savings banks shall apply to Oregon savings banks: ORS 707.075, 707.080, 707.090, 707.100, 707.120, 707.145, 707.150, 707.155, 707.170, 707.180, 707.252, 707.254, 707.625, 707.642, 707.646 (1), 707.660, 707.665, 707.670 to 707.764, 708A.175, 708A.405, 708A.410, 708A.420 to 708A.535, 708A.590, 708A.600, 708A.640, 708A.645, 708A.655, 708A.990, 711.405 to 711.670, 711.980 and 714.075. (2) In addition to the statutes listed in subsection (1) of this section, to the extent applicable, the following provisions of the Bank Act apply to Oregon stock savings banks: ORS 707.050, 707.110, 707.140, 707.195, 707.200 to 707.230, 707.244 to 707.250, 707.256, 707.258 to 707.272, 707.350, 707.380 to 707.410, 707.415, 707.610 to 707.623, 707.644, 707.646 (2) and 707.648. [1973 c.797 §345; 1975 c.544 §44; 1977 c.555 §15; 1979 c.88 §24; 1981 c.192 §24; 1983 c.37 §25; 1983 c.367 §4; 1985 c.762 §46; 1985 c.786 §46; 1985 c.796 §4; 1987 c.197 §8a; 1989 c.324 §72; 1997 c.631 §331; 1999 c.506 §4]
OR Rev Stat § 716.028 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 716 - Savings Banks|Section 716.028 - Application for authority to organize; fee; contents.

Any number of persons, not less than five, desiring to organize an Oregon savings bank shall, as prospective incorporators, first file an application with the Director of the Department of Consumer and Business Services for authority to organize an Oregon savings bank. The applicants shall pay to the director at the time of their application a fee of $2,500, no part of which will be refunded. The application shall be signed by one of the applicants. The following information and documents shall be included in or with the application: (1) The corporate name. (2) The proposed location of the initial principal place of business. (3) The name, occupation, residence and post-office address of each prospective incorporator. (4) The proposed articles of incorporation. The following apply: (a) If the Oregon savings bank is to be organized as an Oregon stock savings bank, the articles of incorporation shall conform to the provisions set forth in ORS 707.110; and (b) If the Oregon savings bank is to be organized as an Oregon nonstock bank, the articles of incorporation shall conform to the provisions set forth in ORS 716.040. (5) The names and residence addresses of the proposed senior officers and the names, occupations and residence addresses of proposed initial directors. (6) If the Oregon savings bank is being organized as an Oregon stock savings bank, the number of shares of voting stock proposed to be subscribed for by the incorporators and each of the proposed directors and senior officers, and the names of any other persons who are expected to subscribe for, to own or to control more than 10 percent of the voting stock and the amount of stock for which each proposes to subscribe. (7) Evidence satisfactory to the director of the character, financial responsibility and ability of the prospective incorporators, directors and senior officers. (8) Evidence satisfactory to the director, in the form of a business plan and such additional information as the director may require, demonstrating that the proposed Oregon savings bank is likely to be financially successful. (9) The proposed operating policies of the Oregon savings bank. (10) Any other information that the director may require. [1973 c.797 §346; 1977 c.135 §58; 1979 c.88 §25; 1997 c.631 §332; 2003 c.14 §444]
OR Rev Stat § 716.032 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 716 - Savings Banks|Section 716.032 - Investigation and ruling on application.

The Director of the Department of Consumer and Business Services shall investigate and rule on the application for authority to organize in the manner specified for institutions in ORS 707.080, 707.090 and 707.145. [1973 c.797 §347; 1977 c.135 §30; 1997 c.631 §333]
OR Rev Stat § 716.040 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 716 - Savings Banks|Section 716.040 - Articles of incorporation; contents.

(1) Not less than five persons may associate themselves by articles of incorporation to form an Oregon savings bank, either as an Oregon stock savings bank or as an Oregon nonstock bank. If the Oregon savings bank is organized as an Oregon stock savings bank, its articles of incorporation shall conform to the provisions set forth in ORS 707.110. If the Oregon savings bank is organized as an Oregon nonstock bank, its articles of incorporation shall conform to the provisions of subsection (2) of this section, be executed in duplicate, signed by the incorporators and submitted to the Director of the Department of Consumer and Business Services. (2) The articles of incorporation of an Oregon nonstock bank shall specify: (a) The name by which the Oregon nonstock bank is to be known. (b) The initial principal place where its business is to be transacted, naming the city or town and county. (c) The address, including street and number, and mailing address, if different, of its initial registered office and the name of its initial registered agent at that office. (d) The name of each incorporator. (e) The term of its existence, which may be perpetual. (f) The purpose for which it is organized. (g) The sums that each incorporator will contribute in cash to the initial guaranty fund and the expense fund, as provided in ORS 716.060 and 716.070. (h) The initial board of directors of the Oregon nonstock bank, composed of not less than five persons, at least three of whom shall be incorporators, who shall serve until their successors are regularly elected and qualified. (3) The articles of incorporation also may contain any lawful provisions for the regulation of the business, for the conduct of the affairs of the Oregon nonstock bank, defining and regulating the powers of the directors or eliminating or limiting the personal liability of directors to the extent permitted under ORS 707.110 (5)(c). [Amended by 1973 c.797 §349; 1989 c.447 §2; 1991 c.883 §12; 1997 c.631 §334; 2005 c.192 §12]
OR Rev Stat § 716.050 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 716 - Savings Banks|Section 716.050 - Approval of articles; certificate of incorporation; filing.

(1) If the Director of the Department of Consumer and Business Services finds that the articles of incorporation conform to law, the director shall, within 60 days after receiving the articles of incorporation and when all fees have been paid: (a) Indorse on each of the duplicate originals the word "Filed," and the month, day and year of the filing. (b) File one of the duplicate originals in the office of the director. (c) Issue a certificate of incorporation to which the director shall affix the other duplicate original. (2) The certificate of incorporation, with one of the duplicate originals affixed thereto shall be returned to the incorporators or their representative. (3) Upon issuance of the certificate of incorporation, the corporate existence of a savings bank begins. [Amended by 1973 c.797 §350]
OR Rev Stat § 716.055 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 716 - Savings Banks|Section 716.055 - Creation of guaranty and expense funds.

Before an Oregon nonstock bank may conduct its business, its incorporators shall create: (1) A guaranty fund, as provided in ORS 716.060, for the protection of its depositors against loss on its investments, and (2) An expense fund, as provided in ORS 716.070, to pay the expense of organizing the Oregon nonstock bank and the operating expenses. [1973 c.797 §351; 1997 c.631 §335]
OR Rev Stat § 716.060 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 716 - Savings Banks|Section 716.060 - Maintenance of guaranty fund or liquidation account.

(1) The guaranty fund or liquidation account consists of payments in cash made by the incorporators and of all sums credited to the guaranty fund as required by ORS 716.780 or federal law. (2) If a financial institution that is converting to another type of financial institution has a guaranty fund or liquidation account, the Oregon nonstock bank that results from the conversion must maintain the guaranty fund or liquidation account and may use the guaranty fund or liquidation account only for the purposes for which the financial institution used the guaranty fund or liquidation account before the conversion. [Amended by 1973 c.797 §352; 1997 c.631 §336; 2011 c.263 §22]