reglab/housing_qa huggingface dataset:
MO Rev Stat § 364.130 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 364 - Retail Credit Financing Institutions|Section 364.130 - Cancellation of finance contract under power of attorney — requirements, procedure.

Effective - 28 Aug 1984, 2 histories   364.130. Cancellation of finance contract under power of attorney — requirements, procedure. — 1. When a premium finance agreement contains a power of attorney clause enabling the premium finance company to cancel any insurance contract or contracts listed in the agreement, the insurance contract or contracts shall not be cancelled by the premium finance company unless such cancellation is done in accordance with this section.  2. Not less than ten days' written notice shall be mailed to the insured, at the last known address shown on the records of the premium finance company, of the intent of the premium finance company to cancel the insurance contract unless the default is cured within such ten-day period.  3. After expiration of such ten-day period, the premium finance company may thereafter cancel such insurance contract or contracts by mailing to the insurer a notice of cancellation. The insurance contract shall be cancelled as if such notice of cancellation had been submitted by the insured, but without requiring the return of the insurance contract or contracts. The premium finance company shall also mail a copy of the notice of cancellation to the insured at the last known address shown on the records of the premium finance company.  4. All statutory, regulatory, and contractual restrictions providing that the insurance contract may not be cancelled unless notice is given to a governmental agency, mortgagee, or other third party shall apply where cancellation is effected under the provisions of this section. The insurer shall give the prescribed notice on behalf of itself or the insured to any governmental agency, mortgagee, or other third party on or before the second business day after the day it receives the notice of cancellation from the premium finance company and shall determine the effective date of cancellation taking into consideration the number of days' notice required to complete the cancellation. ­­-------- (L. 1984 S.B. 686 § 7)
MO Rev Stat § 364.135 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 364 - Retail Credit Financing Institutions|Section 364.135 - Return of unearned premiums on cancellation of financed contract — time allowed.

Effective - 28 Aug 1984   364.135. Return of unearned premiums on cancellation of financed contract — time allowed. — Whenever a financed insurance contract is cancelled, the insurer shall return whatever gross unearned premiums are due under the insurance contract directly to the premium finance company for the account of the insured or insureds as soon as reasonably possible, but in no event later than sixty days after the effective date of cancellation. In the event that the crediting of return premiums to the account of the insured results in a surplus over the amount due from the insured, the premium finance company shall refund such excess to the insured, provided that no such refund shall be required if it amounts to less than one dollar. ­­-------- (L. 1984 S.B. 686 § 8)
MO Rev Stat § 364.140 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 364 - Retail Credit Financing Institutions|Section 364.140 - Filing of agreement not required for validity against creditors.

Effective - 28 Aug 1984, 2 histories   364.140. Filing of agreement not required for validity against creditors. — No filing of the premium finance agreement shall be necessary to perfect the validity of such agreement as a secured transaction as against creditors, subsequent purchasers, pledgees, encumbrancers, trustees in bankruptcy or any other insolvency proceeding under any law, or anyone having the status or power of the aforementioned or their successors or assigns. ­­-------- (L. 1984 S.B. 686 § 9)
MO Rev Stat § 364.145 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 364 - Retail Credit Financing Institutions|Section 364.145 - Revenue deposited to state general revenue fund.

Effective - 28 Aug 1984   364.145. Revenue deposited to state general revenue fund. — All revenues collected by or paid to the director under the provisions of sections 364.100 to 364.160 shall be forwarded immediately to the director of revenue, who shall deposit them in the general revenue fund. ­­-------- (L. 1984 S.B. 686 § 10)
MO Rev Stat § 364.150 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 364 - Retail Credit Financing Institutions|Section 364.150 - Application of law.

Effective - 28 Aug 1984, 2 histories   364.150. Application of law. — The licensing provisions of sections 364.100 to 364.160 shall not apply to any insurance agent or insurance broker licensed to do business in this state. Nor shall the provisions of sections 364.100 to 364.160 apply to insurance premiums financed in connection with credit transactions. ­­-------- (L. 1984 S.B. 686 § 11)
MO Rev Stat § 364.160 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 364 - Retail Credit Financing Institutions|Section 364.160 - Violation of law — misdemeanor.

Effective - 28 Aug 1984, 2 histories   364.160. Violation of law — misdemeanor. — Any premium finance company willfully and knowingly violating the provisions of sections 364.100 to 364.160 shall be guilty of a class A misdemeanor. ­­-------- (L. 1984 S.B. 686 § 13)
MO Rev Stat § 365.010 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 365 - Motor Vehicle Time Sales|Section 365.010 - Citation of law.

Effective - 28 Aug 1999, 2 histories   365.010. Citation of law. — Sections 365.010 to 365.160 shall be known and may be cited as the "Missouri Motor Vehicle Time Sales Law". ­­-------- (L. 1963 p. 466 § 1, A.L. 1999 S.B. 386)
MO Rev Stat § 365.030 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 365 - Motor Vehicle Time Sales|Section 365.030 - Sales finance company, license required — exceptions — application — fee.

Effective - 28 Aug 2015, 2 histories   *365.030. Sales finance company, license required — exceptions — application — fee. — 1. No person shall engage in the business of a sales finance company in this state without a license as provided in this chapter; except, that no bank, trust company, savings and loan association, loan and investment company or registrant under the provisions of sections 367.100 to 367.200 authorized to do business in this state is required to obtain a license under this chapter but shall comply with all of the other provisions of this chapter.  2. The application for the license shall be in writing, under oath and in the form prescribed by the director. The application shall contain the name of the applicant; date of incorporation, if incorporated; the address where the business is or is to be conducted and similar information as to any branch office of the applicant; the name and resident address of the owner or partners or, if a corporation or association, of the directors, trustees and principal officers, and such other pertinent information as the director may require.  3. The license fee for each calendar year or part thereof shall be the sum of five hundred dollars for each place of business of the licensee in this state. The director may establish a biennial licensing arrangement but in no case shall the fees be payable for more than one year at a time.  4. Each license shall specify the location of the office or branch and must be conspicuously displayed there. In case the location is changed, the director shall either endorse the change of location on the license or mail the licensee a certificate to that effect, without charge.  5. Upon the filing of the application, and the payment of the fee, the director shall issue a license to the applicant to engage in the business of a sales finance company under and in accordance with the provisions of this chapter for a period which shall expire the last day of December next following the date of its issuance. The license shall not be transferable or assignable. No licensee shall transact any business provided for by this chapter under any other name. ­­-------- (L. 1963 p. 466 § 3, A.L. 1986 H.B. 1195, A.L. 2003 S.B. 346, A.L. 2015 H.B. 587 merged with S.B. 345)  Effective 8-28-15 (H.B. 587)  *10-16-15 (S.B. 345), see § 21.250. S.B. 345 was vetoed July 7, 2015. The veto was overridden September 16, 2015.
MO Rev Stat § 365.040 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 365 - Motor Vehicle Time Sales|Section 365.040 - License denied or suspended — grounds — hearing and review.

Effective - 28 Aug 1963, 2 histories   365.040. License denied or suspended — grounds — hearing and review. — 1. Renewal of a license originally granted under this chapter may be denied, or a license may be suspended or revoked by the director on the following grounds:  (1) Material misstatement in the application for license;  (2) Willful failure to comply with any provision of this chapter relating to retail installment contracts;  (3) Defrauding any retail buyer to the buyer's damage;  (4) Fraudulent misrepresentation, circumvention or concealment by the licensee through whatever subterfuge or device of any of the material particulars or the nature thereof required to be stated or furnished to the retail buyer under this chapter.  2. If a licensee is a partnership, association or corporation, it shall be sufficient cause for the suspension or revocation of a license that any officer, director or trustee of a licensed association or corporation, or any member of a licensed partnership, has so acted or failed to act as would be cause for suspending or revoking a license to the party as an individual. Each licensee shall be responsible for the acts of any or all of his employees while acting as his agent, if the licensee after actual knowledge of the acts retained the benefits, proceeds, profits or advantages accruing from the acts or otherwise ratified the acts.  3. No license shall be denied, suspended or revoked except after hearing thereon. The hearing and review thereof shall be conducted according to chapter 536. ­­-------- (L. 1963 p. 466 § 4)
MO Rev Stat § 365.050 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 365 - Motor Vehicle Time Sales|Section 365.050 - Director may examine persons, inspect records — complaints of violations.

Effective - 28 Aug 1963, 2 histories   365.050. Director may examine persons, inspect records — complaints of violations. — 1. The director, or his duly authorized representative, may make such investigation as he shall deem necessary and, to the extent necessary for this purpose, he may examine the licensee or any other person having personal knowledge of the matters under investigation, and shall have the power to compel the production of all relevant books, records, accounts and documents of licensees and other persons with respect to their retail installment transactions.  2. Any retail buyer having reason to believe that this chapter relating to his retail installment contract has been violated may file with the director a written complaint setting forth the details of the alleged violation and the director, upon receipt of the complaint, may inspect the pertinent books, records, letters and contracts of the licensee and other persons and of the retail seller involved, relating to the specific written complaint. ­­-------- (L. 1963 p. 466 § 5)
MO Rev Stat § 365.060 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 365 - Motor Vehicle Time Sales|Section 365.060 - Rules and regulations, procedure — subpoenas, enforced how.

Effective - 28 Aug 1995, 2 histories   365.060. Rules and regulations, procedure — subpoenas, enforced how. — 1. The director may adopt and promulgate such reasonable rules and regulations as shall be necessary to carry out the intent and purposes of this chapter. A copy of every rule or regulation shall be mailed to each licensee and to each bank, trust company, loan and investment company, financing institution, and registrant under sections 367.100 to 367.200, postage prepaid, at least fifteen days in advance of its effective date, but the failure of a licensee or other person to receive a copy of the rules or regulations does not exempt him from the duty of compliance with rules and regulations lawfully promulgated hereunder. No rule or portion of a rule promulgated under the authority of this chapter shall become effective unless it has been promulgated pursuant to the provisions of section 536.024.  2. The director shall issue subpoenas to compel the attendance of witnesses and the production of documents, papers, books, records and other evidence before him in any matter over which he has jurisdiction, control or supervision pertaining to this chapter. The director may administer oaths and affirmations to any person whose testimony is required.  3. If any person refuses to obey any subpoena, or to give testimony, or to produce evidence as required thereby, any judge of the circuit court of the county in which the licensed premises are located may, upon application and proof of the refusal, make an order awarding process of subpoena or subpoena duces tecum for the witness to appear before the director and to give testimony, and to produce evidence as required thereby. Upon filing the order, in the office of the clerk of the court, the clerk shall issue process of subpoena, as directed, under the seal of the court, requiring the person to whom it is directed, to appear at the time and place therein designated.  4. If any person served with any subpoena refuses to obey the same, and to give testimony, and to produce evidence as required thereby, the director may apply to the judge of the court issuing the subpoena for an attachment against the person, as for a contempt. The judge, upon satisfactory proof of the refusal, shall issue an attachment, directed to any sheriff, constable or police officer, for the arrest of the person, and, upon his being brought before the judge, proceed to a hearing of the case. The judge may enforce obedience to the subpoena, and the answering of any question, and the production of any evidence that may be proper by a fine, not exceeding one hundred dollars, or by imprisonment in the county jail, or by both fine and imprisonment, and to compel the witness to pay the costs of the proceeding to be taxed. ­­-------- (L. 1963 p. 466 § 6, A.L. 1993 S.B. 52, A.L. 1995 S.B. 3)
MO Rev Stat § 365.090 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 365 - Motor Vehicle Time Sales|Section 365.090 - Transfer of equity in motor vehicle — fee.

Effective - 28 Aug 1963, 2 histories   365.090. Transfer of equity in motor vehicle — fee. — A buyer may transfer his equity in the motor vehicle in which the holder has a property interest at any time to another person upon agreement by the holder, but in that event and if the original buyer is released from further liability the holder of the contract shall be entitled to a transfer of equity fee which shall not exceed fifteen dollars. ­­-------- (L. 1963 p. 466 § 9)
MO Rev Stat § 365.100 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 365 - Motor Vehicle Time Sales|Section 365.100 - Late payment charges, interest on delinquent payments, attorney fees — dishonored or insufficient funds fee — convenience fee imposed, when.

Effective - 28 Aug 2021, 4 histories   365.100. Late payment charges, interest on delinquent payments, attorney fees — dishonored or insufficient funds fee — convenience fee imposed, when. — 1. For contracts entered into on or after August 28, 2005, if the contract so provides, the holder thereof may charge, finance, and collect:  (1) A charge for late payment on each installment or minimum payment in default for a period of not less than fifteen days in an amount not to exceed five percent of each installment due or the minimum payment due or twenty-five dollars, whichever is less; except that, a minimum charge of ten dollars may be made, or when the installment is for twenty-five dollars or less, a charge for late payment for a period of not less than fifteen days shall not exceed five dollars, provided, however, that a minimum charge of one dollar may be made;  (2) Interest on each delinquent payment at a rate which shall not exceed the highest lawful contract rate. In addition to such charge, the contract may provide for the payment of attorney fees not exceeding fifteen percent of the amount due and payable under the contract where the contract is referred for collection to any attorney not a salaried employee of the holder, plus court costs;  (3) A reasonable service fee not to exceed the amount permitted under subdivision (2) of subsection 6 of section 570.120 for any check, draft, order, or like instrument that is returned unpaid by a financial institution, plus an amount equal to the actual fees charged by the financial institution for each check, draft, order, or like instrument returned unpaid; and  (4) All other reasonable expenses incurred in the origination, servicing, and collection of the amount due under the contract.  2. A holder of a contract may impose a convenience fee for payments using an alternative payment channel that accepts a debit or credit card not present transaction, nonface-to-face payment, provided that:  (1) The person making the payment is notified of the convenience fee; and  (2) The fee is fixed or flat, except that the fee may vary based upon method of payment used. ­­-------- (L. 1963 p. 466 § 10, A.L. 1994 S.B. 718, A.L. 2002 S.B. 895, A.L. 2004 S.B. 1233, et al., A.L. 2017 H.B. 292, A.L. 2021 S.B. 106)
MO Rev Stat § 365.110 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 365 - Motor Vehicle Time Sales|Section 365.110 - Blank spaces in contract prohibited — exceptions.

Effective - 28 Aug 1963   365.110. Blank spaces in contract prohibited — exceptions. — No retail installment contract shall be signed by any party thereto when it contains blank spaces to be filled in after it has been signed except that, if delivery of the motor vehicle is not made at the time of the execution of the contract, the identifying number or marks or similar information and the due dates of the installments may be inserted in the contract after its execution, and except that the contract may be so signed provided the buyer is given at the time of the execution a bill of sale, invoice or similar memorandum clearly indicating the cash sale price, the gross down payment and the types of insurance coverage. The buyer's written acknowledgment, conforming to the requirements of subsection 4 of section 365.070, of delivery of a copy of a contract shall be conclusive proof of the delivery, that the contract when signed did not contain any blank spaces except as herein provided, and of compliance with section 365.070 in any action or proceeding by or against a holder of the contract without knowledge to the contrary when he purchased the contract. ­­-------- (L. 1963 p. 466 § 11)
MO Rev Stat § 365.120 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 365 - Motor Vehicle Time Sales|Section 365.120 - Time price differential, computed how.

Effective - 28 Aug 2002   365.120. Time price differential, computed how. — 1. Notwithstanding the provisions of any other law, the time price differential included in a retail installment transaction on any motor vehicle without regard to the year model designated by the manufacturer, the retail seller may charge, contract and receive any time price differential agreed to by the retail buyer, expressed in the contract as a percent per annum that shall apply to the contract regardless of its repayment schedule.  2. The time price differential shall be computed on the principal balance as a percent per annum. A minimum time price differential of twenty-five dollars may be charged on any retail installment transaction. ­­-------- (L. 1963 p. 466 § 12, A.L. 1980 H.B. 1195, A.L. 1981 S.B. 5 Revision, A.L. 2002 H.B. 2008)
MO Rev Stat § 365.125 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 365 - Motor Vehicle Time Sales|Section 365.125 - Rates, parties may agree to a rate, restrictions.

Effective - 28 Aug 1984   365.125. Rates, parties may agree to a rate, restrictions. — As an alternative to the time price differential authorized by section 365.120, the parties may agree to any rate or amount of time price differential not exceeding a rate or amount authorized by section 408.450, but any such agreement shall be subject to the restrictions and conditions of sections 408.450 to 408.467. ­­-------- (L. 1984 H.B. 1170)
MO Rev Stat § 365.140 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 365 - Motor Vehicle Time Sales|Section 365.140 - Prepayment of debt under retail installment contract — refund, how computed — proof of payment.

Effective - 28 Aug 2021, 2 histories   365.140. Prepayment of debt under retail installment contract — refund, how computed — proof of payment. — Notwithstanding the provisions of any retail installment contract to the contrary any buyer may prepay in full, whether by payment in cash, extension or renewal, at any time before maturity the debt of any retail installment contract and on so paying the debt shall receive a refund credit thereon for the anticipation of payment. The amount of the refund shall be calculated by the actuarial method. The lender shall retain no more interest than is actually earned whenever a retail installment contract is prepaid. Any insurance rendered unnecessary by reason of prepayment shall be cancelled by the holder and any refund of premiums received by the holder shall be treated in accordance with the provisions of subsection 2 of section 365.080. If a retail installment contract is paid in full, the holder shall provide the buyer proof of payment in full which may be by a letter referencing the contract, which shall include information identifying the contract such as the original loan date, account number or other identifying number or code, or by returning the original contract or a copy thereof that is marked as paid in full by the holder. ­­-------- (L. 1963 p. 466 § 13, A.L. 1986 H.B. 1207, A.L. 2002 S.B. 895, A.L. 2021 S.B. 106)
MO Rev Stat § 365.145 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 365 - Motor Vehicle Time Sales|Section 365.145 - Default — discrimination, law applicable to retail installment transactions.

Effective - 28 Aug 1984   365.145. Default — discrimination, law applicable to retail installment transactions. — Sections 408.551 to 408.562 shall apply to any retail installment transaction made pursuant to sections 365.010 to 365.160. ­­-------- (L. 1984 H.B. 1170)