reglab/housing_qa huggingface dataset:
NV Rev Stat § 675.367 (2021)
2021 Nevada Revised Statutes|Chapter 675 - Installment Loans|NRS 675.367 - Borrower must be given description of rate and computation of interest; notice of increase in rate of interest or change in terms.

  1. In addition to the information required in subsection 1 of NRS 675.360, a borrower under an agreement for a loan for an indefinite term must be given a description of the agreed annual interest rate, stated as a percentage, the conditions under which interest will be charged and the method used to compute the interest for each billing cycle.  2. The licensee shall notify a borrower of any increase in the rate of interest to be charged or any other change in the terms of the agreement for a loan for an indefinite term:  (a) No later than the date of the first billing after the effective date of the change, if the change in the rate of interest is pursuant to an agreement for the loan which is signed by the borrower and specifies the formula for computation of the adjustment in the rate; or  (b) At least 30 days before the change is to take place for all other loans for an indefinite term.  The change applies only to a debt incurred by the borrower after the effective date of the change, unless otherwise agreed by the borrower. In determining the balance to which an increase in the rate of interest applies, any payment received or other credit made to the borrower’s account applies to the balance existing before the date of that increase until that balance is paid in full.  (Added to NRS by 1985, 1678; A 1987, 1516)
NV Rev Stat § 675.369 (2021)
2021 Nevada Revised Statutes|Chapter 675 - Installment Loans|NRS 675.369 - Written statement to borrower; copy of draft or order for payment.

  1. If the account of a borrower on a loan for an indefinite term shows a balance due or if any debits or credits were entered on that account during a billing cycle, the licensee shall furnish to the borrower, within a reasonable time after the end of the billing cycle, a written statement setting forth:  (a) The unpaid balance in his or her account at the beginning of the billing cycle;  (b) The date and amount of any loans or advances made on the account during the billing cycle;  (c) Any payments or other credits made or received on the account during the billing cycle;  (d) The amount of interest and other charges, if any, made on the account during the billing cycle;  (e) The amount of the installment due and the date on which that payment must be received; and  (f) The total amount remaining unpaid in the account at the end of that billing cycle.  2. The licensee shall also, upon written request of the borrower, furnish to the borrower a copy of any draft or order for payment received on the account of the borrower during the billing cycle.  (Added to NRS by 1985, 1678; A 1989, 1065)
NV Rev Stat § 675.3693 (2021)
2021 Nevada Revised Statutes|Chapter 675 - Installment Loans|NRS 675.3693 - Limitation on annual percentage rate.

A licensee who makes a loan under this chapter that constitutes consumer credit to a covered service member or his or her dependent shall not charge the covered service member or dependent an annual percentage rate with respect to the loan except as:  1. Agreed to under the terms of the loan agreement;  2. Authorized by applicable state and federal law; and  3. Not specifically prohibited by NRS 99.050, 675.3695 and 675.3697.  (Added to NRS by 2019, 950)
NV Rev Stat § 675.3695 (2021)
2021 Nevada Revised Statutes|Chapter 675 - Installment Loans|NRS 675.3695 - Information required to be provided by licensee.

  1. Before making a loan under this chapter that constitutes consumer credit to a covered service member or a dependent of a covered service member, a licensee shall provide the following information to the covered service member or the dependent of a covered service member, as applicable, both orally and in writing:  (a) A statement of the annual percentage rate applicable to the loan;  (b) Any disclosures required by the provisions of the Truth in Lending Act and any regulations adopted pursuant thereto; and  (c) A clear description of the payment obligations of the covered service member or dependent, as applicable.  2. A licensee shall present the disclosures required by subsection 1 in accordance with the provisions of Regulation Z.  3. As used in this section:  (a) "Regulation Z" has the meaning ascribed to it in NRS 604A.090.  (b) "Truth in Lending Act" has the meaning ascribed to it in NRS 604A.120.  (Added to NRS by 2019, 950)
NV Rev Stat § 675.3697 (2021)
2021 Nevada Revised Statutes|Chapter 675 - Installment Loans|NRS 675.3697 - Prohibited practices by licensee.

A licensee shall not make a loan under this chapter that constitutes consumer credit to a covered service member or a dependent of a covered service member with respect to which:  1. The borrower is required to waive the borrower’s right to legal recourse under any otherwise applicable provision of state or federal law, including, without limitation, any provision of the Servicemembers Civil Relief Act, 50 U.S.C. §§ 3901 et seq.;  2. The licensee imposes onerous legal notice provisions in the case of a dispute or demands unreasonable notice from the borrower as a condition for legal action;  3. The licensee uses a check or other method of access to a deposit, savings or other financial account maintained by the borrower, or the title of a vehicle as security for the obligation;  4. The licensee requires as a condition for the extension of consumer credit that the borrower establish an allotment to repay an obligation; or  5. The borrower is prohibited from prepaying the loan or is charged a penalty or fee for prepaying all or part of the loan.  (Added to NRS by 2019, 950)
NV Rev Stat § 675.370 (2021)
2021 Nevada Revised Statutes|Chapter 675 - Installment Loans|NRS 675.370 - License remains effective until expiration, surrender, revocation or suspension.

Each license shall remain in full force and effect until it expires or is surrendered, revoked or suspended as provided in this chapter.  (Added to NRS by 1959, 236; A 1989, 922)
NV Rev Stat § 675.380 (2021)
2021 Nevada Revised Statutes|Chapter 675 - Installment Loans|NRS 675.380 - Authority of Commissioner to investigate business; free access required.

  1. For the purpose of discovering violations of this chapter or of securing information lawfully required under this chapter, the Commissioner or his or her duly authorized representatives may at any time investigate the business and examine the books, accounts, papers and records used therein of:  (a) Any licensee;  (b) Any other person engaged in the business described in NRS 675.060 or participating in such business as principal, agent, broker or otherwise;  (c) Any registered agent who represents a licensee or any other person engaged in the business described in NRS 675.060; and  (d) Any person who the Commissioner has reasonable cause to believe is violating or is about to violate any provision of this chapter, whether or not the person claims to be within the authority or beyond the scope of this chapter.  2. For the purpose of examination the Commissioner or his or her authorized representatives shall have and be given free access to the offices and places of business, files, safes and vaults of such persons.  3. The investigation of a registered agent pursuant to subsection 1, including, without limitation, any book, accounts, papers and records used therein must be kept confidential except to the extent necessary to enforce any provision of this chapter.  4. For the purposes of this section, any person who advertises for, solicits or holds himself or herself out as willing to make loan transactions is presumed to be engaged in the business described in NRS 675.060.  5. This section does not entitle the Commissioner or the authorized representatives of the Commissioner to investigate the business or examine the books, accounts, papers and records of any attorney who is not a person described in paragraph (a), (b) or (d) of subsection 1, other than examination of those books, accounts, papers and records maintained by such attorney in his or her capacity as a registered agent, and then only to the extent such books, accounts, papers and records are not subject to any privilege in NRS 49.035 to 49.115, inclusive.  (Added to NRS by 1959, 236; A 1971, 1371; 1973, 1520; 1983, 1809; 1987, 179, 1990; 2007, 2726; 2009, 1731)
NV Rev Stat § 675.390 (2021)
2021 Nevada Revised Statutes|Chapter 675 - Installment Loans|NRS 675.390 - Authority of Commissioner to require attendance of witnesses and production of documents.

The Commissioner may require the attendance of any person and examine him or her under oath relative to loans or business regulated by this chapter or to the subject matter of any examination, investigation or hearing, and may require the production of books, accounts, papers and records.  (Added to NRS by 1959, 236; A 1983, 1810; 1987, 1991)
NV Rev Stat § 675.400 (2021)
2021 Nevada Revised Statutes|Chapter 675 - Installment Loans|NRS 675.400 - Commissioner to examine licensee’s business annually; fee.

  1. At least once each year, the Commissioner or his or her authorized representatives shall make an examination of the place of business of each licensee and of the loans, transactions, books, accounts, papers and records of the licensee so far as they pertain to the business licensed under this chapter.  2. The Commissioner shall charge and collect from each licensee a fee at the rate established and, if applicable, adjusted pursuant to NRS 658.101 for the cost of any supervision, audit, examination, investigation or hearing conducted pursuant to this chapter or any regulations adopted pursuant thereto.  3. All money collected by the Commissioner pursuant to subsection 2 must be deposited in the State Treasury pursuant to the provisions of NRS 658.091.  (Added to NRS by 1959, 236; A 1967, 977; 1979, 956; 1983, 1810; 1987, 1991, 2226; 2003, 3234; 2017, 400)
NV Rev Stat § 675.410 (2021)
2021 Nevada Revised Statutes|Chapter 675 - Installment Loans|NRS 675.410 - Temporary suspension of license: Conditions; notice; hearing; term of suspension.

If the Commissioner finds that probable cause for revocation of any license exists and that enforcement of this chapter requires immediate suspension of a license pending investigation, he or she may, upon 5 days’ written notice and a hearing, enter an order suspending a license for a period not exceeding 20 days, pending a hearing upon the revocation.  (Added to NRS by 1959, 236; A 1971, 1371; 1977, 96; 1983, 1810; 1987, 1991)
NV Rev Stat § 675.420 (2021)
2021 Nevada Revised Statutes|Chapter 675 - Installment Loans|NRS 675.420 - Surrender of license by licensee; surrender as affecting licensee’s liability.

Any licensee may surrender any license by delivering it to the Commissioner with written notice of its surrender, but a surrender does not affect his or her civil or criminal liability for acts committed prior thereto.  (Added to NRS by 1959, 236; A 1983, 1810; 1987, 1991)
NV Rev Stat § 675.430 (2021)
2021 Nevada Revised Statutes|Chapter 675 - Installment Loans|NRS 675.430 - Order to desist and refrain; action to enjoin violation; appointment and powers of receiver.

  1. Whenever the Commissioner has reasonable cause to believe that any person is violating or is threatening to or intends to violate any provision of this chapter, he or she may, in addition to all actions provided for in this chapter and without prejudice thereto, enter an order requiring a person to desist or to refrain from such violation.  2. An action may be brought on the relation of the Attorney General and the Commissioner to enjoin a person from engaging in or continuing a violation or from doing any act or acts in furtherance thereof. In any such action, an order or judgment may be entered awarding a preliminary or final injunction as may be deemed proper.  3. In addition to all other means provided by law for the enforcement of a restraining order or injunction, the court in which an action is brought may impound, and appoint a receiver for, the property and business of the defendant, including books, papers, documents and records pertaining thereto, or so much thereof as the court may deem reasonably necessary to prevent violations of this chapter through or by means of the use of property and business, whether such books, papers, documents and records are in the possession of the defendant, a registered agent acting on behalf of the defendant or any other person. A receiver, when appointed and qualified, has such powers and duties as to custody, collection, administration, winding up and liquidation of such property and business as may from time to time be conferred upon the receiver by the court.  (Added to NRS by 1959, 236; A 1983, 1810; 1987, 1991; 2007, 2726)
NV Rev Stat § 675.440 (2021)
2021 Nevada Revised Statutes|Chapter 675 - Installment Loans|NRS 675.440 - Revocation or suspension of license: Grounds; notice; hearing; order.

  1. If the Commissioner has reason to believe that grounds for revocation or suspension of a license exist, he or she shall give 20 days’ written notice to the licensee stating the contemplated action and, in general, the grounds therefor and set a date for a hearing.  2. At the conclusion of a hearing, the Commissioner shall:  (a) Enter a written order either dismissing the charges, revoking the license, or suspending the license for a period of not more than 60 days, which period must include any prior temporary suspension. A copy of the order must be sent by registered or certified mail to the licensee.  (b) Impose upon the licensee an administrative fine of not more than $10,000 for each violation by the licensee of any provision of this chapter or any lawful regulation adopted under it.  (c) If a fine is imposed pursuant to this section, enter such order as is necessary to recover the costs of the proceeding, including his or her investigative costs and attorney’s fees.  3. The grounds for revocation or suspension of a license are that:  (a) The licensee has failed to pay the annual license fee;  (b) The licensee, either knowingly or without any exercise of due care to prevent it, has violated any provision of this chapter or any lawful regulation adopted under it;  (c) The licensee has failed to pay a tax as required pursuant to the provisions of chapter 363A or 363C of NRS;  (d) Any fact or condition exists which would have justified the Commissioner in denying the licensee’s original application for a license hereunder; or  (e) The applicant failed to open an office for the conduct of the business authorized under this chapter within 120 days after the date the license was issued, or has failed to remain open for the conduct of the business for a period of 120 days without good cause therefor.  4. Any revocation or suspension applies only to the license granted to a person for the particular office for which grounds for revocation or suspension exist.  5. An order suspending or revoking a license becomes effective 5 days after being entered unless the order specifies otherwise or a stay is granted.  (Added to NRS by 1959, 237; A 1983, 1811; 1987, 1992; 1993, 901; 2003, 20th Special Session, 226; 2005, 1882; 2015, 2948)
NV Rev Stat § 675.445 (2021)
2021 Nevada Revised Statutes|Chapter 675 - Installment Loans|NRS 675.445 - Revocation or suspension of license: Additional grounds.

In addition to any other lawful reasons, the Commissioner may suspend or revoke a license if the licensee has engaged in any act that would be grounds for denying a license pursuant this chapter.  (Added to NRS by 2005, 1881)
NV Rev Stat § 675.450 (2021)
2021 Nevada Revised Statutes|Chapter 675 - Installment Loans|NRS 675.450 - Preexisting contracts unaffected by revocation, suspension, expiration or surrender of license.

No revocation, suspension, expiration or surrender of any license impairs or affects the obligation of any preexisting lawful contract between the licensee and any obligors. Such a contract and all lawful charges thereon may be collected by the licensee, its successors or assigns.  (Added to NRS by 1959, 237; A 1989, 922)
NV Rev Stat § 675.470 (2021)
2021 Nevada Revised Statutes|Chapter 675 - Installment Loans|NRS 675.470 - Unlicensed dealing in loans.

Any person and the several members, officers, directors, agents and employees thereof who violate or participate in the violation of any provision of NRS 675.060 are guilty of a misdemeanor.  (Added to NRS by 1959, 238; A 1967, 649; 1989, 1065)
NV Rev Stat § 675.490 (2021)
2021 Nevada Revised Statutes|Chapter 675 - Installment Loans|NRS 675.490 - Administrative fines.

In addition to any other remedy or penalty, the Commissioner may impose an administrative fine of not more than $10,000 upon a person who, without a license, conducts any business or activity for which a license is required pursuant to the provisions of this chapter.  (Added to NRS by 2005, 1881)
NV Rev Stat § 676A.010 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.010 - Short title.

This chapter may be cited as the Uniform Debt-Management Services Act.  (Added to NRS by 2009, 1970)
NV Rev Stat § 676A.020 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.020 - Definitions.

As used in this chapter, unless the context otherwise requires, the words and terms defined in NRS 676A.030 to 676A.260, inclusive, have the meanings ascribed to them in those sections.  (Added to NRS by 2009, 1970)
NV Rev Stat § 676A.030 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.030 - "Affiliate" defined.

Affiliate means:  1. With respect to an individual:  (a) The spouse of the individual;  (b) A sibling of the individual or the spouse of a sibling;  (c) An individual or the spouse of an individual who is a lineal ancestor or lineal descendant of the individual or the individual’s spouse;  (d) An aunt, uncle, great aunt, great uncle, first cousin, niece, nephew, grandniece or grandnephew, whether related by the whole or the half blood or adoption, or the spouse of any of them; or  (e) Any other individual occupying the residence of the individual; and  2. With respect to an entity:  (a) A person that directly or indirectly controls, is controlled by or is under common control with the entity;  (b) An officer of, or an individual performing similar functions with respect to, the entity;  (c) A director of, or an individual performing similar functions with respect to, the entity;  (d) Subject to adjustment of the dollar amount pursuant to subsection 6 of NRS 676A.730, a person that receives or received more than $25,000 from the entity in either the current year or the preceding year or a person that owns more than 10 percent of, or an individual who is employed by or is a director of, a person that receives or received more than $25,000 from the entity in either the current year or the preceding year;  (e) An officer or director of, or an individual performing similar functions with respect to, a person described in paragraph (a);  (f) The spouse of, or an individual occupying the residence of, an individual described in paragraphs (a) to (e), inclusive; or  (g) An individual who has the relationship specified in paragraph (d) of subsection 1 to an individual or the spouse of an individual described in paragraphs (a) to (e), inclusive.  (Added to NRS by 2009, 1970)
NV Rev Stat § 676A.040 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.040 - "Agreement" defined.

Agreement means an agreement between a provider and an individual for the performance of debt-management services.  (Added to NRS by 2009, 1971)
NV Rev Stat § 676A.050 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.050 - "Bank" defined.

Bank means a financial institution, including, without limitation, a commercial bank, savings bank, savings and loan association, credit union and trust company, engaged in the business of banking, chartered under federal or state law and regulated by a federal or state banking regulatory authority.  (Added to NRS by 2009, 1971)
NV Rev Stat § 676A.060 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.060 - "Business address" defined.

Business address means the physical location of a business, including, without limitation, the name and number of a street.  (Added to NRS by 2009, 1971)
NV Rev Stat § 676A.070 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.070 - "Certified counselor" defined.

Certified counselor means an individual certified by a training program or certifying organization, approved by the Commissioner, that authenticates the competence of individuals providing education and assistance to other individuals in connection with debt-management services in which an agreement contemplates that creditors will reduce finance charges or fees for late payment, default or delinquency.  (Added to NRS by 2009, 1971)
NV Rev Stat § 676A.080 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.080 - "Certified debt specialist" defined.

Certified debt specialist means an individual certified by a training program or certifying organization, approved by the Commissioner, that authenticates the competence of individuals providing education and assistance to other individuals in connection with debt settlement services.  (Added to NRS by 2009, 1971)
NV Rev Stat § 676A.090 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.090 - "Commissioner" defined.

Commissioner means the Commissioner of Financial Institutions.  (Added to NRS by 2009, 1971)
NV Rev Stat § 676A.100 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.100 - "Concessions" defined.

Concessions means assent to repayment of a debt on terms more favorable to an individual than the terms of the contract between the individual and a creditor.  (Added to NRS by 2009, 1971)
NV Rev Stat § 676A.110 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.110 - "Credit counseling" defined.

Credit counseling means providing education and assistance to an individual concerning debts owed by the individual which may include, without limitation, the development and implementation of a debt-management plan.  (Added to NRS by 2009, 1971)
NV Rev Stat § 676A.120 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.120 - "Day" defined.

Day means calendar day.  (Added to NRS by 2009, 1971)
NV Rev Stat § 676A.130 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.130 - "Debt-management plan" defined.

Debt-management plan means a plan which contemplates that:  1. Regular, periodic payments will be made to a provider by or on behalf of an individual to whom debt-management services are being provided; and  2. The individual’s creditors will reduce financing charges or fees for late payment, default or delinquency.  The term does not include a plan which contemplates that creditors of the individual will settle debts for less than the principal amount of the debt.  (Added to NRS by 2009, 1971)