reglab/housing_qa huggingface dataset:
IA Code § 533A.16 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533A - DEBT MANAGEMENT|Section 533A.16 - Violations — injunctions — civil penalties.

533A.16 Violations — injunctions — civil penalties.   1. If the superintendent believes that a person has engaged in, or is about to engage in, an act or practice that constitutes or will constitute a violation of this chapter, the superintendent may apply to the district court for an order enjoining such act or practice. Upon a showing by the superintendent that such person has engaged, or is about to engage, in any such act or practice, the district court shall grant an injunction.   2. The superintendent may investigate or initiate complaints against persons who are not licensed under this chapter to determine whether the person is violating this chapter.   3. In addition to or as an alternative to applying to the district court for an injunction, the superintendent may issue an order to a person who is not licensed under this chapter to require compliance with this chapter, may impose a civil penalty against such person for any violation of this chapter in an amount up to five thousand dollars for each violation, and may order the person to pay restitution.   4. Before issuing an order under this section, the superintendent shall provide the person written notice and the opportunity to request a hearing. The hearing must be requested within thirty days after receipt of the notice and shall be conducted in the same manner as provided for in disciplinary proceedings involving a licensee under this chapter.   5. A person aggrieved by the imposition of a civil penalty under this section may seek judicial review pursuant to section 17A.19.   6. An action to enforce an order under this section may be joined with an action for an injunction.  2008 Acts, ch 1160, §11
IA Code § 533A.17 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533A - DEBT MANAGEMENT|Section 533A.17 - Waiver not allowed.

533A.17 Waiver not allowed.   A waiver by a debtor of the provisions of this chapter is void and unenforceable as contrary to public policy. An attempt by a licensee to induce a debtor to waive the debtor’s rights is a violation of this chapter.  2009 Acts, ch 34, §8
IA Code § 533C.101 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533C - UNIFORM MONEY SERVICES ACT|Section 533C.101 - Short title.

533C.101 Short title.   This chapter may be cited as the “Uniform Money Services Act”.  2003 Acts, ch 96, §1, 42
IA Code § 533C.103 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533C - UNIFORM MONEY SERVICES ACT|Section 533C.103 - Exclusions.

533C.103 Exclusions.   This chapter does not apply to:   1. The United States or a department, agency, or instrumentality thereof.   2. A money transmission by the United States postal service or by a contractor on behalf of the United States postal service.   3. A state, county, city, or any other governmental agency or governmental subdivision of a state.   4. The following entities whether chartered or organized under the laws of a state or of the United States: a bank, bank holding company, savings and loan association, savings bank, credit union, office of an international banking corporation, branch of a foreign bank, corporation organized pursuant to the federal Bank Service Company Act, 12 U.S.C. §1861 – 1867, or corporation organized under the federal Edge Act, 12 U.S.C. §611 – 633.   5. Electronic funds transfer of governmental benefits for a federal, state, county, or governmental agency by a contractor on behalf of the United States or a department, agency, or instrumentality thereof, or a state or governmental subdivision, agency, or instrumentality thereof.   6. A board of trade designated as a contract market under the federal Commodity Exchange Act, 7 U.S.C. §1 – 25, or a person that, in the ordinary course of business, provides clearance and settlement services for a board of trade to the extent of its operation as or for such a board.   7. A registered futures commission merchant under the federal commodities laws to the extent of its operation as such a merchant.   8. A person that provides clearance or settlement services pursuant to a registration as a clearing agency or an exemption from such registration granted under the federal securities laws to the extent of its operation as such a provider.   9. An operator of a payment system to the extent that it provides processing, clearing, or settlement services, between or among persons excluded by this section, in connection with wire transfers, credit card transactions, debit card transactions, stored-value transactions, automated clearing house transfers, or similar funds transfers.   10. A person registered as a securities broker-dealer under federal or state securities laws to the extent of its operation as such a broker-dealer.   11. A delayed deposit services business as defined in chapter 533D.   12. A real estate broker or salesperson as defined in chapter 543B.   13. Pari-mutuel wagering, racetracks, excursion gambling boats, and gambling structures as provided in chapters 99D and 99F.   14. A person engaging in the business of debt management that is licensed or exempt from licensing pursuant to section 533A.2.   15. An insurance company organized under chapter 508, 514, 514B, 515, 518, 518A, or 520, or authorized to do the business of insurance in Iowa to the extent of its operation as an insurance company.   16. An insurance producer as defined in section 522B.1 to the extent of its operation as an insurance producer.  2003 Acts, ch 96, §3, 42; 2004 Acts, ch 1101, §76; 2007 Acts, ch 188, §20  Referred to in §533A.2
IA Code § 533C.201 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533C - UNIFORM MONEY SERVICES ACT|Section 533C.201 - License required.

533C.201 License required.   1. A person shall not engage in the business of money transmission or advertise, solicit, or hold itself out as providing money transmission unless the person:   a. Is licensed under this article; or   b. Is an authorized delegate of a person licensed under this article.   2. A license under this article is not transferable or assignable.  2003 Acts, ch 96, §4, 42; 2004 Acts, ch 1101, §77  Referred to in §533C.707
IA Code § 533C.203 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533C - UNIFORM MONEY SERVICES ACT|Section 533C.203 - Security.

533C.203 Security.   1. Except as otherwise provided in subsection 2, a surety bond, letter of credit, or other similar security acceptable to the superintendent in the amount of fifty thousand dollars plus ten thousand dollars per location, not exceeding a total addition of three hundred thousand dollars, must accompany an application for a license. If the licensee has no locations in this state, the superintendent shall set the bond amount not to exceed three hundred thousand dollars.   2. Security must be in a form satisfactory to the superintendent and payable to the state for the benefit of any claimant against the licensee to secure the faithful performance of the obligations of the licensee with respect to money transmission.   3. The aggregate liability on a surety bond shall not exceed the principal sum of the bond. A claimant against a licensee may maintain an action on the bond, or the superintendent may maintain an action on behalf of the claimant.   4. A surety bond must cover claims for so long as the superintendent specifies, but for at least five years after the licensee ceases to provide money services in this state. However, the superintendent may permit the amount of security to be reduced or eliminated before the expiration of that time to the extent the amount of the licensee’s payment instruments or stored-value obligations outstanding in this state is reduced. The superintendent may permit a licensee to substitute another form of security acceptable to the superintendent for the security effective at the time the licensee ceases to provide money services in this state.   5. In lieu of the security prescribed in this section, an applicant for a license or a licensee may provide security in a form prescribed by the superintendent.   6. The superintendent may increase the amount of security required to a maximum of one million dollars if the financial condition of a licensee so requires, as evidenced by reduction of net worth, financial losses, or other relevant criteria.  2003 Acts, ch 96, §6, 42  Referred to in §533C.204, 533C.205
IA Code § 533C.204 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533C - UNIFORM MONEY SERVICES ACT|Section 533C.204 - Issuance of license.

533C.204 Issuance of license.   1. When an application is filed under this article, the superintendent shall investigate the applicant’s financial condition and responsibility, financial and business experience, character, and general fitness. The superintendent may conduct an on-site investigation of the applicant, the reasonable cost of which the applicant must pay. The superintendent shall issue a license to an applicant under this article if the superintendent finds that all of the following conditions have been fulfilled:   a. The applicant has complied with sections 533C.202, 533C.203, and 533C.206.   b. The applicant has not been convicted of or pled guilty to a felony or an indictable misdemeanor for financial gain within the past ten years.   c. The applicant has paid a fee set by the department of public safety, division of criminal investigation, to defray the costs associated with the search of criminal history records of the applicant. If the applicant is a corporation, the applicant shall pay the fee associated with a criminal history record check for the directors and officers of the corporation. If the applicant is a partnership, the applicant shall pay the fee associated with a criminal history record check for each of the partners. The superintendent may require the applicant to provide additional information from the applicant if the department of public safety records indicate that a person with the same name has a criminal history. If the applicant is a publicly traded corporation or a subsidiary or affiliate of a publicly traded corporation, no criminal history record check shall be required.   2. When an application for an original license under this article is complete, the superintendent shall promptly notify the applicant of the date on which the application was determined to be complete and the superintendent shall approve or deny the application within one hundred twenty days after that date.   3. The superintendent may for good cause extend the application period.   4. An applicant whose application is denied by the superintendent under this article may appeal, within thirty days after receipt of the notice of the denial, from the denial and request a hearing. The denial of a license shall not be deemed a contested case.  2003 Acts, ch 96, §7, 42; 2005 Acts, ch 35, §31
IA Code § 533C.205 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533C - UNIFORM MONEY SERVICES ACT|Section 533C.205 - Renewal of license.

533C.205 Renewal of license.   1. A licensee under this article shall pay an annual renewal fee as determined below by no later than December 1 of the year of expiration. The renewal fee shall be five hundred dollars plus an additional ten dollars for each location in this state at which business is conducted through authorized delegates or employees of the licensee, but shall not exceed five thousand dollars. Fees for locations added after submission of the renewal application shall be submitted with the quarterly reports pursuant to section 533C.503, subsection 2. If the licensee has no locations in this state at which business is conducted through authorized delegates or employees of the licensee, the license fee shall be set by the superintendent, but shall not exceed five thousand dollars.   2. A licensee under this article shall submit a renewal report with the renewal fee, in a form prescribed by the superintendent. The renewal report must state or contain:   a. A copy of the licensee’s most recent audited annual financial statement or, if the licensee is a wholly owned subsidiary of another corporation, the most recent audited consolidated annual financial statement of the parent corporation or the licensee’s most recent audited consolidated annual financial statement.   b. The number and monetary amount of payment instruments sold by the licensee in this state which have not been included in a renewal report, and the monetary amount of payment instruments and stored-value currently outstanding.   c. A description of each material change in information submitted by the licensee in its original license application which has not been reported to the superintendent on any required report.   d. A list of the licensee’s permissible investments and a certification that the licensee continues to maintain permissible investments according to the requirements set forth in sections 533C.601 and 533C.602.   e. Proof that the licensee continues to maintain adequate security as required by section 533C.203; and   f. A list of the locations in this state where the licensee or an authorized delegate of the licensee engages in money transmission or provides other money services.   3. If a licensee does not file a renewal report or pay its renewal fee by December 1, or any extension of time granted by the superintendent, the superintendent may assess a late fee of one hundred dollars per day.  2003 Acts, ch 96, §8, 42; 2013 Acts, ch 5, §9
IA Code § 533C.206 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533C - UNIFORM MONEY SERVICES ACT|Section 533C.206 - Net worth.

533C.206 Net worth.   A licensee under this article shall maintain a net worth of at least one hundred thousand dollars plus ten thousand dollars per authorized delegate not to exceed five hundred thousand dollars determined in accordance with generally accepted accounting principles. If the licensee has no locations in this state at which business is conducted through authorized delegates or employees of the licensee, the minimum net worth, not to exceed five hundred thousand dollars, shall be set by the superintendent.  2003 Acts, ch 96, §9, 42  Referred to in §533C.204
IA Code § 533C.301 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533C - UNIFORM MONEY SERVICES ACT|Section 533C.301 - License required.

533C.301 License required.   1. A person shall not engage in currency exchange or advertise, solicit, or hold itself out as providing currency exchange for which the person receives revenues equal to or greater than five percent of total revenues unless the person:   a. Is licensed under this article.   b. Is licensed for money transmission under article 2.   c. Is an authorized delegate of a person licensed under article 2.   2. A license under this article is not transferable or assignable.  2003 Acts, ch 96, §10, 42; 2004 Acts, ch 1086, §89  Referred to in §533C.707
IA Code § 533C.302 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533C - UNIFORM MONEY SERVICES ACT|Section 533C.302 - Application for license.

533C.302 Application for license.   1. A person applying for a license under this article shall do so in a form prescribed by the superintendent. The application must state or contain:   a. The legal name and residential and business addresses of the applicant, if the applicant is an individual, or, if the applicant is not an individual, the name of each partner, executive officer, manager, and director.   b. The location of the principal office of the applicant.   c. The complete addresses of other locations in this state where the applicant proposes to engage in currency exchange, including all limited stations and mobile locations.   d. A description of the source of money and credit to be used by the applicant to engage in currency exchange.   e. Other information the superintendent reasonably requires with respect to the applicant, but not more than the superintendent may require under article 2.   2. A nonrefundable application fee of one thousand dollars and the license fee must accompany an application for a license under this article. The license fee shall be the sum of two hundred fifty dollars plus an additional fifty dollars for each location at which business is conducted, but not to exceed one thousand dollars. Fees for locations added after the initial application shall be submitted with the quarterly reports pursuant to section 533C.503, subsection 2. The license fee must be refunded if the application is denied. A license under this article expires on the next December 31 after its issuance. The initial license fee is considered an annual fee and the superintendent shall prorate the license fee, refunding any amount due to a partial license period. However, no refund of a license fee shall be made when a license is suspended, revoked, or surrendered.   3. The superintendent may authorize applicants and licensees to be licensed through a nationwide licensing system and to pay the corresponding system processing fees. The superintendent may establish by rule or order new requirements as necessary, including but not limited to requirements that applicants, including officers and directors and those who have control of the applicant, submit to fingerprinting and criminal history checks.   4. For the purposes of this section and in order to reduce the points of contact which the federal bureau of investigation may be required to maintain for purposes of subsection 3, the superintendent may use the nationwide licensing system as a channeling agent for requesting information from and distributing information to the United States department of justice or other governmental agency, or to or from any other source so directed by the superintendent.  2003 Acts, ch 96, §11, 42; 2013 Acts, ch 5, §10, 11; 2013 Acts, ch 70, §25  Referred to in §533C.303
IA Code § 533C.303 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533C - UNIFORM MONEY SERVICES ACT|Section 533C.303 - Issuance of license.

533C.303 Issuance of license.   1. Upon the filing of an application under this article, the superintendent shall investigate the applicant’s financial condition and responsibility, financial and business experience, character, and general fitness. The superintendent may conduct an on-site investigation of the applicant, the reasonable cost of which the applicant must pay. The superintendent shall issue a license to an applicant under this article if the superintendent finds that all of the following conditions have been fulfilled:   a. The applicant has complied with section 533C.302.   b. The applicant has not been convicted of or pled guilty to any felony or an indictable misdemeanor for financial gain within the past ten years.   c. The applicant has paid a fee set by the department of public safety, division of criminal investigation, to defray the costs associated with the search of criminal history records of the applicant. If the applicant is a corporation, the applicant shall pay the fee associated with a criminal history record check for the directors and officers of the corporation. If the applicant is a partnership, the applicant shall pay the fee associated with a criminal history record check for each of the partners. The superintendent may require the applicant to provide additional information from the applicant if the department of public safety records indicate that a person with the same name has a criminal history. If the applicant is a publicly traded corporation or a subsidiary or affiliate of a publicly traded corporation, no criminal history record check shall be required.   d. The financial condition and responsibility, financial and business experience, competence, character, and general fitness of the applicant; and the competence, experience, character, and general fitness of the executive officers, managers, directors, and persons in control of the applicant indicate that it is in the interest of the public to permit the applicant to engage in currency exchange.   2. When an application for an original license under this article is complete, the superintendent shall promptly notify the applicant of the date on which the application was determined to be complete and the superintendent shall approve or deny the application within one hundred twenty days after that date.   3. The superintendent may for good cause extend the application period.   4. An applicant who is denied a license by the superintendent under this article may appeal, within thirty days after receipt of the notice of the denial, from the denial and request a hearing. The denial of a license shall not be deemed a contested case under chapter 17A.  2003 Acts, ch 96, §12, 42; 2004 Acts, ch 1101, §78; 2005 Acts, ch 35, §31
IA Code § 533C.304 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533C - UNIFORM MONEY SERVICES ACT|Section 533C.304 - Renewal of license.

533C.304 Renewal of license.   1. A licensee under this article shall pay an annual renewal fee no later than December 1. The annual renewal fee shall be the sum of two hundred fifty dollars plus an additional fifty dollars for each location at which business is conducted, but shall not exceed one thousand dollars. Fees for locations added after the initial application shall be submitted with the quarterly reports pursuant to section 533C.503, subsection 2.   2. A licensee under this article shall submit a renewal report with the renewal fee, in a form prescribed by the superintendent. The renewal report must state or contain:   a. A description of each material change in information submitted by the licensee in its original license application that has not been reported to the superintendent on any required report.   b. A list of the locations in this state where the licensee or an authorized delegate of the licensee engages in currency exchange.   3. If a licensee does not file a renewal report and pay its renewal fee by December 1, or any extension of time granted by the superintendent, the superintendent may assess a late fee of one hundred dollars per day.   4. The superintendent for good cause may grant an extension of the renewal date.  2003 Acts, ch 96, §13, 42; 2013 Acts, ch 5, §12; 2013 Acts, ch 70, §26