reglab/housing_qa huggingface dataset:
LA Rev Stat § 9:3578.4 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3578.4. Finance charge and fees

RS 3578.4 - Finance charge and fees A.(1) In conjunction with a deferred presentment transaction or small loan, a licensee may charge a fee not to exceed sixteen and seventy-five one hundredths percent of the face amount of the check issued or in the case of a small loan, the equivalent rate of interest, provided however that such fee or interest does not exceed forty-five dollars, regardless of the name or type of charge. NOTE: Paragraph (A)(2) eff. until Jan. 1, 2015. See Acts 2014, No. 636, §1. (2) However, if the loan remains unpaid at contractual maturity, the licensee may charge one of the following: (a) An amount equal to the rate of thirty-six percent per annum for a period not to exceed one year and beginning one year after contractual maturity, the rate shall not exceed eighteen percent per annum. (b) A one-time delinquency charge as authorized in R.S. 9:3527(A)(1). NOTE: Paragraph (A)(2) as amended by Acts 2014, No. 636, §1, eff. Jan. 1, 2015. (2) If the loan remains unpaid at contractual maturity, the licensee may charge an amount equal to the rate of thirty-six percent per annum for a period not to exceed one year and beginning one year after contractual maturity, the rate shall not exceed eighteen percent per annum. B. A licensee may contract with the borrower for reimbursement of the actual fee assessed to the licensee by the licensee's depository institution as a result of a borrower's check being returned for any reason. The fee shall be reimbursed to the licensee only once per check, regardless of the number of times the check was returned by the depository institution. C. Except for reasonable attorney fees and costs awarded by a court, and fees allowed under R.S. 9:3529 and 3530(C), no other fees or charges may be assessed or collected on a deferred presentment transaction or small loan, including any other fees as may be provided for under Chapter 2 of this Code Title or any other law. Acts 1999, No. 1315, §§1, 2, eff. Jan. 1, 2000; Acts 2003, No. 1283, §1; Acts 2010, No. 668, §1; Acts 2014, No. 636, §1, eff. Jan. 1, 2015.
LA Rev Stat § 9:3578.5 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3578.5. Rebate upon prepayment

RS 3578.5 - Rebate upon prepayment Upon the prepayment in full of a deferred presentment transaction or small loan, during the first five days of the term of such transaction or loan only, the licensee shall refund any and all unearned charges by a method no less favorable to the consumer than the actuarial method, less twenty dollars of the original fee, which shall be considered earned and shall not be subject to refund. Should the consumer make prepayment after the first five days of the term of the transaction or loan, the licensee shall not be required to make any refund. Acts 1999, No. 1315, §§1, 2, eff. Jan. 1, 2000.
LA Rev Stat § 9:3578.6 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3578.6. Prohibited acts

RS 3578.6 - Prohibited acts A. A licensee shall not: (1) Except for reasonable attorney fees and costs awarded by a court, charge, contract for, receive, or collect a loan finance charge or credit service charge, or any other fee or charge other than as provided in R.S. 9:3578.4. (2) Sell any goods when those goods are financed with the proceeds of the loan or sell insurance in connection with a deferred presentment transaction or small loan. The sale and financing of services, including but not limited to utility payment services, financial or tax services, or the sale of prepaid telephone services and telephone-related products which are not financed with the proceeds of the loan, shall not be deemed a violation of this Chapter. (3) Refuse a partial loan payment of fifty dollars or greater. (4) Divide a deferred presentment transaction or small loan into multiple agreements for the purpose of obtaining a higher fee or charge. (5) Threaten any customer with prosecution or refer for prosecution any check accepted as payment of a deferred presentment transaction and returned by the lender's depository institution for reason of insufficient funds. (6) Structure the repayment of a loan in such a manner as to attempt to circumvent the provisions of this Chapter. (7) Renew or roll over a deferred presentment transaction or small loan. However, a licensee may accept a partial payment of twenty-five percent of the amount advanced plus fees charged and enter into a new deferred presentment transaction or renew the small loan for the remaining balance owed. Once a deferred presentment transaction or small loan has been completed, a consumer may enter into a new transaction or loan with the licensee. A deferred presentment transaction or small loan shall be considered completed when the amount advanced has been paid in full by the consumer. (8) Take any direct or indirect interest, possessory or otherwise, whether perfected or unperfected, in any property in connection with a small loan, or a deferred presentment transaction. B. It shall be unlawful for any small loan lender, for any reason and by any means, including but not limited to direct deposit and personal tender, to accept as payment, offer to accept as payment, or require for use as security any check issued pursuant to the federal Social Security Act. In addition, it shall be unlawful for any lender making small loans to act as a depository institution for the acceptance of any check issued pursuant to the federal Social Security Act, unless such lender is a federally insured financial institution. Acts 1999, No. 542, §1; Acts 1999, No. 1315, §§1, 2, eff. Jan. 1, 2000; Acts 2003, No. 1272, §1; Acts 2003, No. 1283, §1; Acts 2005, No. 99, §1.
LA Rev Stat § 9:3578.7 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3578.7. Posting of notice; toll-free number

RS 3578.7 - Posting of notice; toll-free number  The commissioner may provide a notice, which includes a toll-free number to the commissioner's office, which shall be posted, along with the fees as allowed under this Chapter, in a conspicuous place and manner by the licensee at the lending location or on the homepage of the website of the licensee, or both if the licensee has a physical location in the state and a website.  Acts 1999, No. 1315, §§1, 2, eff. Jan. 1, 2000; Acts 2014, No. 636, §1, eff. Jan. 1, 2015.
LA Rev Stat § 9:3578.8 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3578.8. Powers of the commissioner; adoption of rules and regulations

RS 3578.8 - Powers of the commissioner; adoption of rules and regulations A. The commissioner may apply the provisions of Parts I, VII, VIII, IX, and X of Chapter 2 of this Code Title, the Louisiana Consumer Credit Law, for purposes of administering and regulating the activities of licensees and the provisions of this Chapter. B. The commissioner may adopt rules and regulations as he deems necessary to implement the purposes and provisions of this Chapter. C.(1) Beginning January 1, 2013, for a period of one year, the commissioner shall collect and compile information and data from licensees concerning the operation, function, and customers of deferred presentment transactions and small loan businesses. (2) The information and data collected by the commissioner from a licensee shall include but not be limited to the following: (a) The number of deferred presentment transactions and small loans issued quarterly. (b) The fees collected quarterly on deferred presentment transactions and small loans. (c) The location of the licensee's business. (d) The number of checks returned unpaid for any reason and the amount of the fee charged by the licensee for such checks. D. The commissioner shall compile and submit to the legislature, in an aggregate format, the information and data collected by April 1, 2014. Acts 1999, No. 1315, §§1, 2, eff. Jan. 1, 2000; Acts 2012, No. 234, §1.
LA Rev Stat § 9:3579.1 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3579.1. Short title

RS 3579.1 - Short title This Chapter shall be known and may be cited as the "Louisiana Tax Refund Anticipation Loan Act". Acts 2010, No. 975, §1, eff. Jan. 1, 2011.
LA Rev Stat § 9:3579.2 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3579.2. Definitions

RS 3579.2 - Definitions (1) "Borrower" means an individual who receives the proceeds of a refund anticipation loan. (2) "Facilitator" means a person who, for compensation from a borrower or any other person, assists the borrower in applying for or obtaining a refund anticipation loan. "Facilitator" does not include a lender that makes a refund anticipation loan, an affiliate that is a servicer for such a lender, or any person who does not have direct contact with a borrower in connection with applying for or obtaining a refund anticipation loan. For the purposes of this Chapter, a "facilitator" shall also mean the individual or entity that signs the tax return on which the refund anticipation loan is based. (3) "Lender" means a person who extends credit to a borrower in the form of a refund anticipation loan. (4) "Refund anticipation loan" means a loan obtained by a taxpayer based on the taxpayer's anticipated federal income tax refund. (5) "Refund anticipation loan fee" means a fee imposed or other consideration required by the facilitator or the lender for a refund anticipation loan. The term does not include a fee usually imposed or other consideration usually required by the facilitator in the ordinary course of business for services not related to the making of loans, including a fee imposed for tax return preparation or for the electronic filing of a tax return. Acts 2010, No. 975, §1, eff. Jan. 1, 2011.
LA Rev Stat § 9:3579.3 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3579.3. Restriction on acting as facilitator

RS 3579.3 - Restriction on acting as facilitator A. A person may not, individually or in conjunction or cooperation with another person, act as a facilitator unless he complies with all of the following requirements: (1) Is engaged in the business of preparing tax returns, or employed by a person engaged in the business of preparing tax returns. (2) Is primarily involved in financial services or tax preparations. (3) Is authorized by the Internal Revenue Service as an e-file provider. B. This Chapter shall not apply to any of the following entities: (1) Federally insured financial institution. (2) An affiliate that is a servicer of an entity described in Paragraph (1) of this Subsection, operating under the name of that entity. (3) Any person or entity that acts solely as an intermediary and does not interact directly with a taxpayer in the making of the refund anticipation loan. Acts 2010, No. 975, §1, eff. Jan. 1, 2011.
LA Rev Stat § 9:3579.4 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3579.4. Disclosure requirements

RS 3579.4 - Disclosure requirements A. A facilitator shall discuss with and clearly disclose to a borrower, after the borrower's tax return has been prepared and before the loan is closed, all of the following items: (1) The refund anticipation loan fee schedule. (2) A written statement disclosing all of the following items: (a) That a refund anticipation loan is a loan and is not the borrower's actual income tax refund. (b) That the taxpayer may file an income tax return electronically without applying for a refund anticipation loan. (c) That the borrower is responsible for repayment of the loan and related fees if the tax refund is not paid or is insufficient to repay the loan. (d) Any fee that will be charged if the loan is not approved. (e) The average time, as published by the Internal Revenue Service, within which a taxpayer can expect to receive a refund for an income tax return filed by either of the following methods: (i) Electronically, and the refund is delivered by either of the following methods: (aa) Deposited directly into the taxpayer's bank account. (bb) Mailed to the taxpayer. (ii) By mail, and the refund is delivered by either of the following methods: (aa) Deposited directly into the taxpayer's financial institution account. (bb) Mailed to the taxpayer. (f) That the Internal Revenue Service does not make either of the following guarantees: (i) Payment of the full amount of the anticipated refund. (ii) A specific date on which it will mail a refund or deposit the refund into a taxpayer's financial institution account. (g) The estimated time within which the proceeds of the refund anticipation loan will be paid to the borrower if the loan is approved. (3) All of the following information, specific to the borrower: (a) The estimated total fees for the loan. (b) The estimated annual percentage rate for the loan, calculated using the guidelines established under the Truth in Lending Act, 15 U.S.C. 1601 et seq. B. A refund anticipation loan fee schedule required by Paragraph (A)(1) of this Section, shall be a listing or table of refund anticipation loan fees charged by the lender for refund anticipation loan amounts. The schedule shall include all of the following: (1) Each fee imposed related to the making of a refund anticipation loan listed separately. (2) The total amount of fees imposed related to the making of a refund anticipation loan. (3) For each stated loan amount, the estimated annual percentage rate for the loan, calculated using the guidelines established under the Truth in Lending Act, 15 U.S.C. 1601 et seq. C. Tax preparers who facilitate refund anticipation loans shall post the schedule of fees imposed by the facilitator for making refund anticipation loans in a conspicuous manner at the tax preparer's location. Acts 2010, No. 975, §1, eff. Jan. 1, 2011.
LA Rev Stat § 9:3581 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3581. Short title

RS 3581 - Short title  This Act shall be known and may be cited as the Louisiana Equal Credit Opportunity Law. Added by Acts 1975, No. 705, §1.
LA Rev Stat § 9:3582 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3582. Scope

RS 3582 - Scope  The provisions of this Chapter shall apply to all loans or extensions of credit made or executed in the state of Louisiana between any natural person and any extender of credit. Added by Acts 1975, No. 705, §1.
LA Rev Stat § 9:3583 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3583. Discrimination prohibited

RS 3583 - Discrimination prohibited  It shall be unlawful for any extender of credit to refuse to extend credit to any major or emancipated minor solely because of that person's race, color, religion, national origin, sex, or marital status. It shall also be unlawful for any extender of credit to require any major or emancipated minor to meet credit qualification standards not required of other persons similarly situated. Added by Acts 1975, No. 705, §1. Amended by Acts 1978, No. 161, §1.
LA Rev Stat § 9:3584 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3584. Repealed by Acts 1979, No. 709, 3, eff. Jan. 1, 1980

§§3584, 3585. Repealed by Acts 1979, No. 709, §3, eff. Jan. 1, 1980
LA Rev Stat § 9:3590 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3590. Limitations on confession of judgment

RS 3590 - Limitations on confession of judgment  Except for the purposes of executory process, confessions of judgment, prior to the maturity of the obligation sued on, are hereby prohibited. Added by Acts 1978, No. 518, §1.
LA Rev Stat § 9:3601 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3601. Payment of interest by newspapers on deposits required of their distributors or dealers

RS 3601 - Payment of interest by newspapers on deposits required of their distributors or dealers  Whenever any person or corporation engaged in the newspaper business shall demand of its distributors or dealers a cash security to protect the furnisher of the newspapers from loss by reason of extending to such dealers or distributors credit on papers advanced for sale, the furnisher shall pay to that distributor or dealer, interest at the rate of four per cent per annum upon the amount of the deposit so long as it continues to hold or exact the deposit. The balance of the deposit together with earned interest shall be returned to the depositor, within ninety days after termination of the dealership or distributorship whenever the dealership or distributorship is discontinued, and any refusal or neglect to return the balance shall subject the furnisher of said newspapers to the penalty of paying the dealer or distributor 20 per cent per annum interest upon the deposit not returned to the depositor within said ninety days. Acts 1960, No. 490, §1.
LA Rev Stat § 9:3801 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3801. Definitions

RS 3801 - Definitions  For the purposes of this Chapter, unless the context or subject matter otherwise requires:  (1) "Bank" includes any person or association of persons, whether incorporated or not, carrying on the business of banking. (2) "Fiduciary" includes a trustee under any trust, expressed, implied, resulting or constructive, executor, administrator, guardian, conservator, curator, receiver, trustee in bankruptcy, assignee for the benefit of creditors, partner, agent, officer of a corporation, public or private, public officer, or any other persons acting in a fiduciary capacity for any person, trust or estate. (3) "Person" includes a corporation, partnership, or other association, or two or more persons having a joint or common interest. (4) "Principal" includes any person to whom a fiduciary as such owes an obligation. (5) A thing is done "in good faith" within the meaning of this Chapter when it is in fact done honestly, whether it be done negligently or not.
LA Rev Stat § 9:3802 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3802. Payment or transfer to fiduciary; responsibility for proper application

RS 3802 - Payment or transfer to fiduciary; responsibility for proper application  A person who in good faith pays or transfers to a fiduciary any money or other property which the fiduciary as such is authorized to receive, is not responsible for the proper application thereof by the fiduciary; and any right or title acquired from the fiduciary in consideration of such payment or transfer is not invalid in consequence of a misapplication by the fiduciary.
LA Rev Stat § 9:3803 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3803. Repealed by Acts 1960, No. 444, §2

RS 3803 - Repealed by Acts 1960, No. 444, §2
LA Rev Stat § 9:3804 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3804. Endorsement of negotiable instrument; duty and liability of endorsee

RS 3804 - Endorsement of negotiable instrument; duty and liability of endorsee  If any negotiable instrument payable or endorsed to a fiduciary as such is endorsed by the fiduciary, or if any negotiable instrument payable or endorsed to his principal is endorsed by a fiduciary empowered to endorse such instrument, on behalf of his principal, the endorsee is not bound to inquire whether the fiduciary is committing a breach of his obligation as fiduciary in endorsing or delivering the instrument and is not chargeable with notice that the fiduciary is committing a breach of his obligation as fiduciary unless he takes the instrument with actual knowledge of such breach or with knowledge of such facts that his action in taking the instrument amounts to bad faith. If, however, such instrument is transferred by the fiduciary in payment of or as security for a personal debt of the fiduciary to the actual knowledge of the creditor, or is transferred in any transaction known by the transferee to be for the personal benefit of the fiduciary, the creditor or other transferee is liable to the principal if the fiduciary in fact commits a breach of his obligation as fiduciary in transferring the instrument.
LA Rev Stat § 9:3805 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3805. Payee of check or bill of exchange; duties and liability

RS 3805 - Payee of check or bill of exchange; duties and liability  If a check or other bill of exchange is drawn by a fiduciary as such or in the name of his principal by a fiduciary empowered to draw such instrument in the name of his principal, the payee is not bound to inquire whether the fiduciary is committing a breach of his obligation as fiduciary in drawing or delivering the instrument and is not chargeable with notice that the fiduciary is committing a breach of his obligation as fiduciary unless he takes the instrument with actual knowledge of such breach or with knowledge of such facts that his action in taking the instrument amounts to bad faith. If, however, such instrument is payable to a personal creditor of the fiduciary and delivered to the creditor in payment of, or as security for, a personal debt of the fiduciary, to the actual knowledge of the creditor, or is drawn and delivered in any transaction known by the payee to be for the personal benefit of the fiduciary, the creditor or other payee is liable to the principal if the fiduciary in fact commits a breach of his obligation as fiduciary in drawing or delivering the instrument.
LA Rev Stat § 9:3806 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3806. Check or bill of exchange payable to, or transferred to, fiduciary; duties and liability of transferee

RS 3806 - Check or bill of exchange payable to, or transferred to, fiduciary; duties and liability of transferee  If a check or other bill of exchange is drawn by a fiduciary as such, or in the name of his principal by a fiduciary empowered to draw such instrument in the name of his principal, payable to the fiduciary personally, or payable to a third person and by him transferred to the fiduciary, and is thereafter transferred by the fiduciary, whether in payment of a personal debt of the fiduciary or otherwise, the transferee is not bound to inquire whether the fiduciary is committing a breach of his obligation as fiduciary in transferring the instrument and is not chargeable with notice that the fiduciary is committing a breach of his obligation as fiduciary, unless he takes the instrument with actual knowledge of such breach, or with the knowledge of such facts that his action in taking the instrument amounts to bad faith.
LA Rev Stat § 9:3807 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3807. Bank paying check; liability of

RS 3807 - Bank paying check; liability of  If a deposit is made in a bank to the credit of the fiduciary as such, the bank is authorized to pay the amount of the deposit or any part thereof, upon the check of the fiduciary, signed with the name in which such deposit is entered, without being liable to the principal, unless the bank pays the check with actual knowledge that the fiduciary is committing a breach of his obligation as fiduciary in drawing the check, or with the knowledge of such facts that its action in paying the check amounts to bad faith. If, however, such check is payable to the drawee bank and is delivered to it in payment of, or as, security for a personal debt of the fiduciary to it, the bank is liable to the principal if the fiduciary in fact commits a breach of his obligation as fiduciary in drawing or delivering the check.