reglab/housing_qa huggingface dataset:
TN Code § 47-18-2104 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 21 - Identity Theft Deterrence|§ 47-18-2104. Private Rights of Action

  Any party commencing a private action pursuant to this part must provide a copy of the complaint and all other initial pleadings to the attorney general and upon entry of any judgment, order or decree of the action, shall mail a copy of such judgment, order or decree to the attorney general within five (5) days of entry of the judgment, order or decree.   A copy of any notice of appeal shall be served by the appellant upon the attorney general, who in the public interest may intervene.   A private action to enforce any liability created under this part may be brought within two (2) years from the date the liability arises, except that where a defendant has concealed the liability to that person, under this part, the action may be brought within two (2) years after discovery by the person of the liability. No action brought by the attorney general shall be subject to the limitation of actions contained herein.   In any private action commenced under this part, if the private party establishes that identity theft was engaged in willfully or knowingly, the court may award three (3) times the actual damages and may provide such other relief as it considers necessary and proper.   The action may be brought in a court of competent jurisdiction in the county where the identity theft or unfair, deceptive or misleading act or practice took place, is taking place, or is about to take place, or in the county in which such person resides, has such person's principal place of business, conducts, transacts, or has transacted business, or, if the person cannot be found in any of the foregoing locations, in the county in which such person can be found.   Without regard to any other remedy or relief to which a person is entitled, anyone affected by a violation of this part may bring an action to obtain a declaratory judgment that the act or practice violates this part and to enjoin the person who has violated, is violating, or who is otherwise likely to violate this part; provided, that such action shall not be filed once the attorney general has commenced a proceeding pursuant to this part or the Tennessee Consumer Protection Act.   Upon a finding by the court that a provision of this part has been violated, the court may award to the person bringing such action reasonable attorneys' fees and costs.
TN Code § 47-18-2106 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 21 - Identity Theft Deterrence|§ 47-18-2106. Violation of Tennessee Consumer Protection Act

  A violation of this part constitutes a violation of the Tennessee Consumer Protection Act.   For the purpose of application of the Tennessee Consumer Protection Act, any violation of this part shall be construed to constitute an unfair or deceptive act or practice affecting trade or commerce and subject to the penalties and remedies as provided in that act, in addition to the penalties and remedies set forth in this part.   If the attorney general has reason to believe that a person has violated this part, then the attorney general may institute a proceeding under this chapter.
TN Code § 47-18-2109 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 21 - Identity Theft Deterrence|§ 47-18-2109. Notice to Consumer Regarding Security Freeze

 At any time that a Tennessee consumer is required to receive a summary of rights required by 15 U.S.C. § 1681g(d) of the federal Fair Credit Reporting Act, the Tennessee consumer shall also be provided with the following prominent, clear and conspicuous notice in at least twelve (12) point type:   TENNESSEE CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE   You have a right to place a “security freeze” on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. A security freeze must be requested in writing by certified mail or by electronic means as provided by a consumer reporting agency. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. If you are actively seeking a new credit, loan, utility, or telephone account, you should understand that the procedures involved in lifting a security freeze may slow your applications for credit. You should plan ahead and lift a freeze in advance of actually applying for new credit. When you place a security freeze on your credit report, you will be provided a personal identification number or password to use if you choose to remove the freeze on your credit report or authorize the release of your credit report for a period of time after the freeze is in place. To provide that authorization you must contact the consumer reporting agency and provide all of the following:   The personal identification number or password;   Proper identification to verify your identity; and   The proper information regarding the period of time for which the report shall be available.  A consumer reporting agency must authorize the release of your credit report no later than fifteen (15) minutes after receiving the above information.   A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account, that requests information in your credit report for the purposes of fraud control, or reviewing or collecting the account. Reviewing the account includes activities related to account maintenance.   You should consider filing a complaint regarding your identity theft situation with the federal trade commission and the attorney general and reporter, either in writing or via their web sites.   You have a right to bring civil action against anyone, including a consumer reporting agency, who improperly obtains access to a file, misuses file data, or fails to correct inaccurate file data.
TN Code § 47-18-2201 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 22 - Video Consumer Privacy|§ 47-18-2201. Short Title

 This part shall be known and may be cited as the “Video Consumer Privacy Act.”
TN Code § 47-18-2202 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 22 - Video Consumer Privacy|§ 47-18-2202. Legislature Findings and Intent

  The general assembly finds and declares that the viewing of rented video tapes and movies in the home is a popular and widespread leisure pastime. Innumerable retail establishments in this state commonly record, often by computer, data containing the identities of consumers who have rented video tapes and movies and the titles of the videos rented.   It is the intent of the general assembly by enactment of this part to protect the personal privacy of individuals and their families who rent video cassette tapes and movies and similar audio visual materials, without unreasonably restricting the ability of video tape service providers to collect and use information as is necessary to conducting their business.
TN Code § 47-18-2203 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 22 - Video Consumer Privacy|§ 47-18-2203. Part Definitions

 As used in this part, unless the context otherwise requires:   “Consumer” means any renter, purchaser, or subscriber of goods or services from a video tape service provider or video tape seller;   “Informed, written consent of the consumer” means that the video tape service provider, prior to furnishing any video tape services, shall offer the consumer an opportunity to elect not to have personally identifiable information disclosed. Such notice shall be in writing in at least ten point (10 pt.) bold face type, affixed to any membership, subscriber or rental agreement between the consumer and the video tape service provider, and shall be posted on a sign in full and clear view of the consumer at the point of rental transaction, and shall read as follows:  “This video tape service provider from time to time provides to marketers of goods and services, the names and addresses of customers and a description or subject matter of materials rented by video customers. You have the right to elect not to have your name, address or the description or subject matter of any material rented included in such description or subject matter of any material rented included in such lists. This election may be changed by you, in writing, at any time.”;    “Ordinary course of business” means only debt collection activities, order fulfillment, request processing, and the transfer of ownership;   “Personally identifiable information” means any information which identifies a person as having requested or obtained specific video materials or services from a video tape service provider or video tape seller;   “Video tape seller” means any person engaged in the business of selling prerecorded video cassette tapes or similar audio visual materials; and   “Video tape service provider” means any person engaged in the business of rental of prerecorded video cassette tapes or similar audio visual materials.
TN Code § 47-18-2205 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 22 - Video Consumer Privacy|§ 47-18-2205. Liability for Damages

 Any person found to be in violation of this part shall be liable to the aggrieved consumer for all actual damages sustained by such consumer as a result of the violation.
TN Code § 47-18-2302 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 23 - Caller Identification Spoofing|§ 47-18-2302. Offense of Caller Identification Spoofing

  Except as provided in § 47-18-2303, it is an offense for a person, in connection with a telecommunications service or an interconnected VoIP service, to knowingly cause any caller identification service to transmit misleading or inaccurate caller identification information to a subscriber with the intent to defraud or cause harm to another person or to wrongfully obtain anything of value.   A violation of subsection (a) is a Class A misdemeanor.   Nothing in this section prohibits:  Criminal prosecution under any other law;   A civil action brought by the attorney general and reporter pursuant to § 47-18-2304; or   A civil action brought by an aggrieved person pursuant to § 47-18-2305.     The transmission of misleading or inaccurate caller identification information to a subscriber is an element of the offense under subsection (a) and occurs where the subscriber's place of primary use for the caller identification service is located.   Pursuant to § 39-11-103 and subsection (d), if a subscriber's place of primary use for the caller identification service is located in this state, an essential element of the offense under subsection (a) is committed in this state and a defendant is subject to prosecution in this state, regardless of whether the defendant was actually physically present in this state when the offense occurred.   Venue for the offense under subsection (a) shall be in any county where an essential element of the offense was committed, regardless of whether the defendant was actually physically present in the county when the offense occurred.   This section shall not apply to a provider; except that, a provider shall remain liable pursuant to this section if the provider acts with the intent to assist, aid, or abet, in the commission or concealment of any person planning or causing a caller identification service to transmit misleading or inaccurate caller identification information to a subscriber while the person has the intent to defraud, cause harm to another person, or wrongfully obtain anything of value.
TN Code § 47-18-2303 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 23 - Caller Identification Spoofing|§ 47-18-2303. Acts Not Prohibited or Restricted

 This part does not prohibit or restrict any of the following:   Subject to § 65-4-403, blocking the capability of a caller identification service to transmit caller identification information;   Any authorized law enforcement activity;   Any lawfully authorized investigative, protective, or intelligence activity of:  The United States or an intelligence agency of the United States;   This state or any political subdivision of this state; or   Any other state or a political subdivision of that state;     A court order that specifically authorizes the use of caller identification manipulation; or   The right of the attorney general and reporter to bring a civil action under 47 U.S.C. § 227(e)(6) to enforce the federal Truth in Caller ID Act of 2009 (47 U.S.C. § 227).
TN Code § 47-18-2304 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 23 - Caller Identification Spoofing|§ 47-18-2304. Action for Injunctive Relief and Civil Penalty by Attorney General and Reporter

  The attorney general and reporter may bring an action against a person who violates § 47-18-2302(a) to enjoin further violations and to recover a civil penalty of up to thirty thousand dollars ($30,000) per violation.    Any civil penalty collected pursuant to this section shall be paid into the general fund of the state.   The prevailing party is entitled to reasonable attorney's fees, court costs, and expenses; provided, that no court costs shall be taxed against the attorney general and reporter or this state in actions commenced under this section.     Jurisdiction for an action brought pursuant to this section shall be in the chancery or circuit court of Davidson County.
TN Code § 47-18-2305 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 23 - Caller Identification Spoofing|§ 47-18-2305. Private Action for Injunctive Relief and Damages

  Except as provided in subsection (d), any person who is aggrieved by a violation of § 47-18-2302(a) may bring an action to enjoin further violations and for the recovery of the person's actual damages and actual expenses incurred, including court costs and attorney's fees, against any person who is responsible for or knowingly participated in the violation. The injunctive relief available under this subsection (a) is in addition to any damages to which a person may be entitled.   If the court finds that the violation of § 47-18-2302(a) was an intentional violation, or that the defendant has engaged in a pattern and practice of violations, the court may award three (3) times the actual damages sustained.   The action may be brought in the chancery or circuit court of Davidson County or in a court of competent jurisdiction where the alleged violation of § 47-18-2302(a) took place.   A person does not have a cause of action against a provider for a violation of § 47-18-2302(a) unless the violation resulted from the provider's gross negligence or intentional wrongdoing.
TN Code § 47-18-2401 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 24 - Unsolicited Loans|§ 47-18-2401. Notice Requirements for Unsolicited Loans

 Unless otherwise agreed, where unsolicited mail that resembles a check is, upon endorsement by the payee, a loan, the payee is under no duty to repay such loan unless such unsolicited mail has upon its face in boldface letters at least one-half inch (½") in height the following:   THIS IS A LOAN.
TN Code § 47-18-2402 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 24 - Unsolicited Loans|§ 47-18-2402. Failure to Provide Notice a Defense to Collection Action

 In any action for the collection of the balance due on an unsolicited loan received by mail that resembles a check, it shall be a complete defense that such unsolicited loan was not actually requested by the defendant and such mail did not have upon its face the language required by § 47-18-2401.
TN Code § 47-18-2403 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 24 - Unsolicited Loans|§ 47-18-2403. Violation of Part Constituting Unfair or Deceptive Trade Practice

 A violation of this part constitutes a violation of the Tennessee Consumer Protection Act of 1977, compiled in part 1 of this chapter. For the purposes of the application of the Tennessee Consumer Protection Act of 1977, any violation of this part shall be construed to constitute an unfair or deceptive act or practice affecting the conduct of any trade or commerce and shall be subject to the penalties and remedies as provided in that act.
TN Code § 47-18-2404 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 24 - Unsolicited Loans|§ 47-18-2404. Notices and Obligations — Application — Damages

   Any solicitation to lend money to a person for the consolidation or payment of other indebtedness which will result in that person's owner-occupied residence becoming collateral or security for the loan or payment of money shall clearly state, in bold face type at least as large as any used in the solicitation otherwise, or by a separate clearly stated written notice, in bold face type at least ten (10) points, the following:  Failure to make timely payments or to repay the loan will result in the borrower's home being subject to foreclosure; and   [Deleted by 2019 amendment.]     Such solicitation shall, in like manner, state either one (1) of the following, as appropriate:  It is the obligation of the lender to make payments to prior lenders; or   It is the obligation of the borrower to make payments to prior lenders.       This section shall apply to all solicitations, whether made through the mails, in person, by telephone, fax, or electronically, or through any other agency or medium to a resident of the state. If the solicitation is made in person or by telephone, then the person making the solicitation shall clearly express the notices and obligations required to be given under subdivisions (a)(1) and (2).   Failure to comply with this section shall subject the lender to damages up to three (3) times the amount of actual damages pursuant to § 47-18-109.   The notices and obligations described in subsection (a) shall be clearly expressed in any debt consolidation contract or loan agreement consolidating such loans, in bold face type of at least ten (10) points, in immediate proximity to the space reserved for the signature of the borrower.   This section shall not apply to any state or national bank, credit union, savings and loan, or to any subsidiary or affiliate of any such state or national bank, credit union, savings and loan or any person or entity licensed by or subject to regulation by the department of financial institutions.
TN Code § 47-18-2502 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 25 - Unsolicited Advertising by Electronic Means|§ 47-18-2502. Part Definitions

 As used in this part, unless the context otherwise requires:   “Computer network” means a set of related, remotely connected devices and any communications facilities, including more than one (1) computer with the capability to transmit data among them through the communications facilities; and   “Without authority” means a person using the computer network of an electronic mail service provider to transmit unsolicited bulk electronic mail in contravention of the authority granted by or in violation of the policies set by the electronic mail service provider. Transmission of electronic mail from an organization to its members shall not be deemed to be unsolicited bulk electronic mail.
TN Code § 47-18-2601 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 26 - Structured Settlement Protection|§ 47-18-2601. Short Title

 This part shall be known and may be cited as the “Structured Settlement Protection Act.”
TN Code § 47-18-2603 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 26 - Structured Settlement Protection|§ 47-18-2603. Transfer Agreement — Requirements

 No direct or indirect transfer of structured settlement payment rights shall be effective and no structured settlement obligor or annuity issuer shall be required to make any payment directly or indirectly to any transferee of structured settlement payment rights unless the transfer has been authorized in advance in a final order of a court of competent jurisdiction or a responsible administrative authority, and complies with all of the following:   The transfer complies with the requirements of this part and will not contravene other applicable law;   Not less than ten (10) days prior to the date on which the payee executes the transfer agreement, the transferee has provided to the payee a disclosure statement in bold type, no smaller than fourteen (14) points, setting forth:  The amounts and due dates of the structured settlement payments to be transferred;   The aggregate amount of such payments;   The discounted present value of such payments, together with the discount rate used in determining such discounted present value;   The gross amount payable to the payee in exchange for such payments;   An itemized listing of all brokers' commissions, service charges, application fees, processing fees, closing costs, filing fees, administrative fees, notary fees and other commissions, fees, costs, expenses and charges, and a good faith estimate of all legal fees and court costs payable by the payee or deductible from the gross amount otherwise payable to the payee;   The net amount payable to the payee after deduction of all commissions, fees, costs, expenses and charges described in subdivision (2)(E); and   The amount of any penalty and the aggregate amount of any liquidated damages (inclusive of penalties) payable by the payee in the event of any breach of the transfer agreement by the payee;     The payee has established that the transfer is fair and reasonable and in the best interest of the payee;   The payee has been advised by the transferee, in writing, to seek independent professional advice regarding the financial, legal and tax implications of the transfer; and   The transferee has given written notice of the transferee's name, address and taxpayer identification number to the annuity issuer and the structured settlement obligor and has filed a copy of such notice with the court or responsible administrative authority.
TN Code § 47-18-2605 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 26 - Structured Settlement Protection|§ 47-18-2605. Waiver — Failure to Satisfy Conditions

  The provisions of this part may not be waived.   No payee who proposes to make a transfer of structured settlement payment rights shall incur any penalty, forfeit any application fee or other payment, or otherwise incur any liability to the proposed transferee based on any failure of such transfer to satisfy the conditions of § 47-18-2603.
TN Code § 47-18-2606 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 26 - Structured Settlement Protection|§ 47-18-2606. Other Statutory Provisions Remain Valid

 Nothing contained in this part shall be construed to authorize any transfer of structured settlement payment rights in contravention of applicable law or to give effect to any transfer of structured settlement payment rights that is invalid under applicable law.