reglab/housing_qa huggingface dataset:
MD. Financial Institutions Code Ann. §  11-404 (2021)
2021 Maryland Statutes|Financial Institutions|Title 11 - Consumer Credit|Subtitle 4 - Sales Finance Companies -- Licensing Provisions|Section 11-404 - Applications for Licenses

    (a)    (1)    To apply for a license, an applicant shall:            (i)    Complete, sign, and submit to the Commissioner a completed application made under oath in the form, and in accordance with the process, that the Commissioner requires; and            (ii)    Provide all the information that the Commissioner requests.        (2)    The application shall include:            (i)    The applicant’s name, the applicant’s principal executive office address, and, if the applicant is not an individual, the name and residence address of each control person;            (ii)    The address of each branch location, if any; and            (iii)    Any other pertinent information that the Commissioner requires.    (b)    With the application, the applicant shall pay to the Commissioner:        (1)    An investigation fee of $100; and        (2)    A license fee of $125.    (c)    For the principal executive office and each branch location license for which an applicant applies, the applicant shall:        (1)    Submit a separate application; and        (2)    Pay a separate investigation fee and license fee.
MD. Financial Institutions Code Ann. §  11-405 (2021)
2021 Maryland Statutes|Financial Institutions|Title 11 - Consumer Credit|Subtitle 4 - Sales Finance Companies -- Licensing Provisions|Section 11-405 - Grounds for Denial of Application

    The Commissioner may deny an application if the applicant or any current owner, director, officer, member, partner, employee, agent, or spouse of the applicant:         (1)    Has had a license revoked under this subtitle;        (2)    Was responsible for any act or omission that caused the revocation under this subtitle of the license of any person; or        (3)    Was convicted of violating any provision of this subtitle or of any other law that regulates agreements.
MD. Financial Institutions Code Ann. §  11-406 (2021)
2021 Maryland Statutes|Financial Institutions|Title 11 - Consumer Credit|Subtitle 4 - Sales Finance Companies -- Licensing Provisions|Section 11-406 - Investigation Expenses; Other Payments Prohibited

    (a)    In addition to the investigation fee required by § 11-404 of this subtitle, if an applicant applies for a license for a place of business that is located outside of this State, the applicant shall pay to the Commissioner, on presentation by the Commissioner of a detailed account, the reasonable travel and living expenses incurred on account of the investigation.    (b)    Except for the payments required by this section, the applicant may not offer or pay and the examiner may not solicit or accept any payment with regard to the investigation.
MD. Financial Institutions Code Ann. §  11-407 (2021)
2021 Maryland Statutes|Financial Institutions|Title 11 - Consumer Credit|Subtitle 4 - Sales Finance Companies -- Licensing Provisions|Section 11-407 - Issuance of License or Denial of Application

    (a)    When an applicant for a license files the application and pays the fees required by § 11–404 of this subtitle, the Commissioner shall investigate the facts relevant to the application to determine if the applicant meets the requirements of this subtitle.    (b)    The Commissioner shall approve or deny each application for a license within 60 days after the date on which the complete application is filed and the fees are paid.    (c)    The Commissioner shall issue a license to any applicant who meets the requirements of this subtitle.    (d)    (1)    If the Commissioner denies an application, the Commissioner shall:            (i)    Notify the applicant of the denial;            (ii)    Refund the license fee to the applicant; and            (iii)    Keep the investigation fee and any charges collected under § 11–406 of this subtitle.        (2)    (i)    Within 20 days after the Commissioner denies an application, the Commissioner shall send a written notice to the applicant stating the reasons for the denial.            (ii)    The notice shall be sent by United States mail, e–mail, or any means provided through NMLS to the address listed on the application.
MD. Financial Institutions Code Ann. §  11-408 (2021)
2021 Maryland Statutes|Financial Institutions|Title 11 - Consumer Credit|Subtitle 4 - Sales Finance Companies -- Licensing Provisions|Section 11-408 - Contents and Scope of Licenses; Additional Licenses

    (a)    The Commissioner shall include on each license that the Commissioner issues:        (1)    The name of the licensee;        (2)    The address of the location at which the business will be conducted; and        (3)    The license number and the unique identifier of the licensee.    (b)    (1)    A license authorizes the licensee to do business under the license, at the licensed location and under the name stated on the license.        (2)    Only one location may be maintained under any one license.    (c)    Subject to § 11–403(b) of this subtitle, the Commissioner may issue more than one license to an applicant who:        (1)    Conducts activities for which a license is required at more than one branch location;        (2)    Complies with §§ 11–404 and 11–406 of this subtitle; and        (3)    Otherwise meets the requirements of this subtitle.
MD. Financial Institutions Code Ann. §  11-409 (2021)
2021 Maryland Statutes|Financial Institutions|Title 11 - Consumer Credit|Subtitle 4 - Sales Finance Companies -- Licensing Provisions|Section 11-409 - Term; Expiration and Renewal

    (a)    An initial license term shall:        (1)    Begin on the date the license is issued; and        (2)    Expire on December 31 of the year:            (i)    In which the license is issued, if the license is issued before November 1; or            (ii)    Immediately following the year in which the license is issued, if the license is issued on or after November 1.    (b)    On or after November 1 of the year in which a license expires, the license may be renewed for an additional 1–year term if the licensee:        (1)    Otherwise is entitled to be licensed;        (2)    Pays to the Commissioner a renewal fee of $125; and        (3)    Submits to the Commissioner a renewal application in the form, and in accordance with the process, that the Commissioner requires.    (c)    To the extent required or permitted by NMLS, the Commissioner may determine that licenses issued under this subtitle shall expire on a staggered basis.�    (d)    A licensee may not renew a license unless, before the submission of the license renewal application, the licensee has transferred the licensee’s licensing information to NMLS in accordance with § 11–403(d) of this subtitle.
MD. Financial Institutions Code Ann. §  11-410 (2021)
2021 Maryland Statutes|Financial Institutions|Title 11 - Consumer Credit|Subtitle 4 - Sales Finance Companies -- Licensing Provisions|Section 11-410 - License Not Transferable; Display

    (a)    A license is not transferable.    (b)    Each licensee shall display the license conspicuously at the licensee’s licensed location.
MD. Financial Institutions Code Ann. §  11-411 (2021)
2021 Maryland Statutes|Financial Institutions|Title 11 - Consumer Credit|Subtitle 4 - Sales Finance Companies -- Licensing Provisions|Section 11-411 - Change of Location

    (a)    If a licensee changes the location for which a license is issued, the licensee immediately shall provide to the Commissioner, in the form and in accordance with the process that the Commissioner requires, notice of the change.    (b)    On receiving notice under this section, the Commissioner, without charge, shall send the licensee an amended license stating the change and its date.
MD. Financial Institutions Code Ann. §  11-412 (2021)
2021 Maryland Statutes|Financial Institutions|Title 11 - Consumer Credit|Subtitle 4 - Sales Finance Companies -- Licensing Provisions|Section 11-412 - Surrender of License

    (a)    A licensee may surrender the license by sending to the Commissioner, in the form and in accordance with the process that the Commissioner requires, a statement that the license is surrendered.    (b)    If a license is surrendered voluntarily, or is suspended or revoked, the Commissioner may not refund any part of the license fee regardless of the time remaining in the license term.    (c)    The surrender of a license does not affect any civil or criminal liability of the licensee for acts committed before the license was surrendered.
MD. Financial Institutions Code Ann. §  11-412.1 (2021)
2021 Maryland Statutes|Financial Institutions|Title 11 - Consumer Credit|Subtitle 4 - Sales Finance Companies -- Licensing Provisions|Section 11-412.1 - Confidentiality of Information

    (a)    (1)    The requirements under any federal law and Title 4, Subtitles 1 through 4 of the General Provisions Article regarding the privacy or confidentiality of information or material provided to NMLS and any privilege arising under federal or state law, including the rules of any federal or state court with respect to that information or material, shall continue to apply to that information or material after the information or material has been disclosed to NMLS.        (2)    The information and material may be shared with all state and federal regulatory officials having oversight authority over persons required to be licensed under this subtitle, including the Financial Crimes Enforcement Network and the Office of Foreign Assets Control, and any successor to these agencies, without the loss of privilege or the loss of confidentiality protections provided by federal law or Title 4, Subtitles 1 through 4 of the General Provisions Article.    (b)    Information or material that is subject to a privilege or confidentiality under subsection (a) of this section may not be subject to:        (1)    Disclosure under any federal or state law governing the disclosure to the public of information held by an officer or agency of the federal government or a state that has received the information or material; or        (2)    Subpoena, discovery, or admission into evidence, in any private civil litigation or administrative process, unless, with respect to any privilege held by NMLS, the person to whom the information or material pertains waives, in whole or in part, that privilege.    (c)    Any provision of Title 4, Subtitles 1 through 5 of the General Provisions Article relating to the disclosure of any information or material described in subsection (a) of this section that is inconsistent with subsection (a) of this section shall be superseded by the requirements of this section.    (d)    This section does not apply to information or material relating to publicly adjudicated disciplinary and enforcement actions against a person required to be licensed under this subtitle that is included in NMLS and designated for access by the public.
MD. Financial Institutions Code Ann. §  11-413 (2021)
2021 Maryland Statutes|Financial Institutions|Title 11 - Consumer Credit|Subtitle 4 - Sales Finance Companies -- Licensing Provisions|Section 11-413 - Investigatory Powers of Commissioner

    (a)    The Commissioner may not examine or audit any licensee or other person except as expressly provided in this section.    (b)    (1)    If a buyer has reason to believe that any person has violated any provision of this subtitle or of any other law that regulates agreements, the buyer may file with the Commissioner a written complaint that states the details of the alleged violation.        (2)    On receipt of the written complaint, the Commissioner may inspect any books, records, letters, and contracts of any licensee, seller, or other person that relate to the complaint.    (c)    In investigating a written complaint made under this section, the Commissioner may:        (1)    Hold a hearing on the complaint at a time and place in this State that are reasonably convenient to the parties involved;        (2)    Subpoena witnesses;        (3)    Take depositions of witnesses who reside outside of this State in the same manner as provided for depositions to be taken in civil actions in courts of record;        (4)    Pay witnesses the same fees and mileage for their attendance as provided for witnesses in civil actions in courts of record; and        (5)    Administer oaths.    (d)    (1)    If any person fails to comply with an order or subpoena of the Commissioner under this subtitle or to appear as a witness and testify concerning any matter about which the person may be interrogated under this subtitle, the Commissioner may file a petition for enforcement with the circuit court for any county.        (2)    On petition by the Commissioner, the court, if it finds it appropriate to do so, shall order the person to:            (i)    Obey the order or subpoena; and            (ii)    Produce any necessary records, documents, or other evidence.    (e)    The Commissioner shall make findings on any written complaint made under this section and send a copy of the findings to each person involved in the complaint.    (f)    A person may not knowingly refuse to permit the Commissioner to conduct any investigation or examination authorized by this section.
MD. Financial Institutions Code Ann. §  11-414 (2021)
2021 Maryland Statutes|Financial Institutions|Title 11 - Consumer Credit|Subtitle 4 - Sales Finance Companies -- Licensing Provisions|Section 11-414 - Suspensions and Revocations

    (a)    Subject to the hearing provisions of § 11-415 of this subtitle, the Commissioner may suspend or revoke the license of any licensee, if:        (1)    The licensee knowingly or without exercising due care:            (i)    Violates any provision of this subtitle or of any other law that regulates agreements; or            (ii)    Fails to comply with any demand or requirement that the Commissioner makes under this subtitle;        (2)    The licensee makes any material misstatement in an application for a license;        (3)    The licensee defrauds any buyer, to the buyer’s damage;        (4)    The licensee willfully fails to carry out any written agreement with a buyer;        (5)    The licensee knowingly and repeatedly violates any provision of the Maryland Consumer Debt Collection Act;        (6)    An officer, director, or trustee of or partner in the licensee is responsible for any act or omission that would be a ground for suspending or revoking a license; or        (7)    Any agent or employee of the licensee is responsible for any act or omission that would be a ground for suspending or revoking a license, if the licensee:            (i)    Approves or knows of that or similar acts or omissions; and            (ii)    After giving approval or learning of the act or omission, keeps any benefit, proceeds, profit, or advantage resulting from the act or omission or otherwise ratifies the act or omission.    (b)    If the licensee has more than one place of business, the Commissioner may suspend or revoke only the licenses of the places of business to which the grounds for suspension or revocation relate. However, if the Commissioner suspends or revokes the license of one place of business and finds that the grounds for that action apply to any other place of business, the Commissioner shall take the same action against the license for each other place of business to which the grounds apply.
MD. Financial Institutions Code Ann. §  11-415 (2021)
2021 Maryland Statutes|Financial Institutions|Title 11 - Consumer Credit|Subtitle 4 - Sales Finance Companies -- Licensing Provisions|Section 11-415 - Hearings

    (a)    Before the Commissioner takes any action under § 11-414 of this subtitle, the Commissioner shall give the licensee an opportunity for a hearing before the Commissioner.    (b)    Notice of the hearing shall be given and the hearing shall be held in accordance with the Administrative Procedure Act.    (c)    The hearing notice to be given to the licensee shall be sent by certified mail, return receipt requested, bearing a postmark from the United States Postal Service, to the principal place of business of the licensee in this State at least 10 days before the hearing.    (d)    An order suspending or revoking a license shall state the grounds on which it is based and is not effective until 10 days after written notice of the order is sent to the licensee by certified mail, return receipt requested, bearing a postmark from the United States Postal Service, to the principal place of business of the licensee in this State.    (e)    The Commissioner shall adopt rules and regulations for:        (1)    The conduct of hearings; and        (2)    The form of findings and orders.
MD. Financial Institutions Code Ann. §  11-416 (2021)
2021 Maryland Statutes|Financial Institutions|Title 11 - Consumer Credit|Subtitle 4 - Sales Finance Companies -- Licensing Provisions|Section 11-416 - Judicial Review

    (a)    Any person aggrieved by a decision of the Commissioner to deny an application for a license or to suspend or revoke a license may appeal to:        (1)    The circuit court for the county where the licensee did or has applied to do business; or        (2)    The Circuit Court for Baltimore City.    (b)    The Commissioner may stay an order that is appealed until the determination of the appeal.    (c)    An appeal under this section shall be tried de novo.    (d)    If a decision of the Commissioner is appealed, the court may reverse, affirm, or modify the decision.    (e)    An aggrieved person or the Commissioner may appeal the decision of the court to the Court of Special Appeals.
MD. Financial Institutions Code Ann. §  11-417 (2021)
2021 Maryland Statutes|Financial Institutions|Title 11 - Consumer Credit|Subtitle 4 - Sales Finance Companies -- Licensing Provisions|Section 11-417 - Effect of Surrender, Suspension, or Revocation

    (a)    The surrender, suspension, or revocation of a license does not impair or affect any obligation under any agreement that the licensee entered into or acquired before the license was surrendered, suspended, or revoked.    (b)    In enforcing an agreement and in dealing with the parties to that agreement, a person whose license has been surrendered, suspended, or revoked remains subject to this subtitle, including the authority of the Commissioner to examine and investigate under § 11-413 of this subtitle.
MD. Financial Institutions Code Ann. §  11-418 (2021)
2021 Maryland Statutes|Financial Institutions|Title 11 - Consumer Credit|Subtitle 4 - Sales Finance Companies -- Licensing Provisions|Section 11-418 - Incorrect Statements Prohibited

    A person may not knowingly:         (1)    Make an incorrect statement of material fact in any application, report, or other statement filed under this subtitle; or        (2)    Fail to state any material fact that is necessary to give the Commissioner any information that the Commissioner requires under this subtitle.
MD. Financial Institutions Code Ann. §  11-419 (2021)
2021 Maryland Statutes|Financial Institutions|Title 11 - Consumer Credit|Subtitle 4 - Sales Finance Companies -- Licensing Provisions|Section 11-419 - Penalties

    Any person who violates or participates in the violation of any provision of this subtitle is guilty of a misdemeanor and on conviction is subject to a fine not exceeding $500 or imprisonment not exceeding 6 months or both.
MD. Financial Institutions Code Ann. §  11-503 (2021)
2021 Maryland Statutes|Financial Institutions|Title 11 - Consumer Credit|Subtitle 5 - Maryland Mortgage Lender Law|Section 11-503 - Rules and Regulations

    The Commissioner may adopt rules and regulations to carry out the provisions of this subtitle.
MD. Financial Institutions Code Ann. §  11-503.1 (2021)
2021 Maryland Statutes|Financial Institutions|Title 11 - Consumer Credit|Subtitle 5 - Maryland Mortgage Lender Law|Section 11-503.1 - Fee Regulations

    (a)    The Commissioner shall set by regulation the fees provided for in this subtitle.    (b)    The fees established by the Commissioner under this section shall be reasonable and set in a manner that will produce funds sufficient to cover the actual direct and indirect costs of regulating licensees in accordance with the provisions of this subtitle.    (c)    The Commissioner shall publish the fee schedule set by the Commissioner.
MD. Financial Institutions Code Ann. §  11-503.2 (2021)
2021 Maryland Statutes|Financial Institutions|Title 11 - Consumer Credit|Subtitle 5 - Maryland Mortgage Lender Law|Section 11-503.2 - Credit of Revenue From Licensing and Payment of Fines and Penalties Into Various Funds

    (a)    All revenue received for the licensing of persons under this subtitle and any other fee, examination or investigation fee or assessment, or revenue received by the Commissioner under this subtitle shall be:        (1)    Credited to the Nondepository Special Fund established under § 11–610 of this title; and        (2)    Used in accordance with § 11–610(c) of this title.    (b)    Notwithstanding subsection (a) of this section, the Commissioner shall pay all fines and penalties collected by the Commissioner under this subtitle into the General Fund of the State.
MD. Financial Institutions Code Ann. §  11-504 (2021)
2021 Maryland Statutes|Financial Institutions|Title 11 - Consumer Credit|Subtitle 5 - Maryland Mortgage Lender Law|Section 11-504 - License or Registration Requirement

    A person may not act as a mortgage lender unless the person is:         (1)    A licensee; or        (2)    A person exempted from licensing under this subtitle.