reglab/housing_qa huggingface dataset:
AR Code § 4-105-203 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 105 - Lemon Laws|Subchapter 2 - Assistive Devices|§ 4-105-203. Warranty

 If a new assistive device does not conform to an applicable express warranty and the consumer reports the nonconformity to the manufacturer, the assistive device lessor, or any of the manufacturer's authorized assistive device dealers and makes the assistive device available for repair before thirty (30) days after return delivery of the assistive device to a consumer, the nonconformity shall be repaired at no charge to the consumer.
AR Code § 4-105-204 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 105 - Lemon Laws|Subchapter 2 - Assistive Devices|§ 4-105-204. Repair

 (a) A reasonable amount of time to fix a nonconformity shall be thirty (30) calendar days, with the exchange of a substitute of the consumer's assistive device at the option of the consumer.  (b) If, after a reasonable attempt to repair, the nonconformity is not repaired, then at the direction of the consumer the manufacturer shall do one (1) of the following:  (1) Accept return of the assistive device and replace the assistive device with a comparable new assistive device and refund any collateral costs;  (2)  (A) Accept return of the assistive device and refund to the consumer and to any holder of a perfected security interest in the consumer's assistive device, as their interest may appear, the full purchase price plus any finance charge paid by the consumer at the point of sale and collateral costs, less a reasonable allowance for use.  (B) A reasonable allowance for use may not exceed the amount obtained by multiplying the full purchase price of the assistive device by a fraction, the denominator of which is one thousand four hundred sixty (1,460) and the numerator of which is the number of days that the assistive device was used before the consumer first reported the nonconformity to the assistive device dealer; or    (3) With respect to a consumer who leases an assistive device from an assistive device lessor under a written lease, accept return of the assistive device, refund to the assistive device lessor and to any holder of a perfected security interest in the assistive device, as their interest may appear, the current value of the written lease, and refund to the consumer the amount that the consumer paid under the written lease plus any collateral costs, less a reasonable allowance for use.
AR Code § 4-105-205 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 105 - Lemon Laws|Subchapter 2 - Assistive Devices|§ 4-105-205. Valuation

 (a) The current value of the written lease equals the total amount for which that lease obligates the consumer during the period of the lease remaining after its early termination, plus the assistive device dealer's early termination costs and the value of the assistive device at the lease expiration date if the lease sets forth that value, less the assistive device lessor's early termination savings.  (b) A reasonable allowance for use may not exceed the amount obtained by multiplying the total amount for which the written lease obligates the consumer by a fraction, the denominator of which is one thousand four hundred sixty (1,460) and the numerator of which is the number of days that the consumer used the assistive device before first reporting the nonconformity to the manufacturer, assistive device lessor, or assistive device dealer.
AR Code § 4-105-206 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 105 - Lemon Laws|Subchapter 2 - Assistive Devices|§ 4-105-206. Refund or replacement

 (a)  (1) To receive a comparable new assistive device or a refund due under the provisions of this subchapter, a consumer shall offer to the manufacturer of the assistive device having the nonconformity to transfer possession of that assistive device to that manufacturer.  (2) No later than fifteen (15) calendar days after that offer, the manufacturer shall provide the consumer with an assistive device or a refund.    (b) After the manufacturer provides the new assistive device or refund, the consumer shall return the assistive device having the nonconformity to the manufacturer or its dealer, along with any endorsements necessary to transfer ownership to the manufacturer.  (c)  (1)  (A) To receive a refund due under the provisions of this subchapter, a person who leases an assistive device from an assistive device lessor under a written lease shall offer to return the assistive device having the nonconformity to its manufacturer.  (B) No later than fifteen (15) calendar days after that offer, the manufacturer shall provide the refund to the consumer.    (2) After the manufacturer provides the refund, the consumer shall return to the manufacturer the nonconforming assistive device.    (d)  (1) To receive a refund due under the provisions of this subchapter, an assistive device lessor shall offer to transfer possession of the assistive device having the nonconformity to its manufacturer.  (2) No later than fifteen (15) calendar days after that offer, the manufacturer shall provide the refund to the assistive device lessor.    (e) A consumer who prevails in any legal proceeding under this subchapter is entitled to recover as part of the judgment a sum equal to the aggregate amount of costs and expenses, including attorney's fees based upon actual time expended by the attorney, determined by the court to have been reasonably incurred by the consumer for or in connection with the commencement and prosecution of the action.
AR Code § 4-106-201 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 106 - Discount Cards|Subchapter 2 - Health-Related Cash Discount Cards|§ 4-106-201. Prohibited practices

 It shall be unlawful and a violation of this subchapter for any person to sell, market, promote, advertise, or otherwise distribute any card or other purchasing mechanism or device which is not insurance that purports to offer discounts or access to discounts from health care providers in health-related purchases if:   (1) The card or other purchasing mechanism or device does not expressly provide in bold and prominent type that the discounts are not insurance;  (2) The card or other purchasing mechanism or device does not expressly provide in bold and prominent type on the card or in a statement attached to the card that the consumer has the right to cancel his or her registration within thirty (30) days from the effective date of the card or other purchasing mechanism or device;  (3) The discounts are not specifically authorized by an individual and separate contract with each health care provider listed in conjunction with the card or other purchasing mechanism or device;  (4) The discounts or access to discounts offered or the range of discounts or access to the range of discounts offered are, regardless of the literal wording used:  (A) Misleading;  (B) Deceptive; or  (C) Fraudulent;    (5) The card or any advertisements for the card in any form include words or phrases that are commonly associated with the business of insurance, such as “health plan”, “ preexisting condition”, or “coverage”, in a way that could have a tendency to deceive the public into believing that the cards are a form of insurance;  (6) The contract for the card or other purchasing mechanism or device, or any other document that is provided to the consumer at the time the card or other purchasing mechanism or device is received, does not contain:  (A) Information in bold and prominent type that a consumer has the right to cancel his or her registration within thirty (30) days from the effective date of the card or other purchasing mechanism or device; and  (B) Instructions on how a consumer may cancel his or her registration;    (7) Printed advertisements and other printed promotional materials concerning the card or other purchasing mechanism or device do not expressly provide in bold and prominent type that:  (A) The discounts are not insurance; and  (B) The card or other purchasing mechanism or device contains a thirty-day cancellation period; and    (8) Electronic advertisements and other electronic promotions concerning the card or other purchasing mechanism or device, including, but not limited to, radio, television, the Internet, and telephone solicitations, do not expressly state in a prominent manner that:  (A) The discounts are not insurance; and  (B) A consumer has the right to cancel the registration within a thirty-day period under § 4-106-205.     It is found and determined by the General Assembly that:
AR Code § 4-106-203 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 106 - Discount Cards|Subchapter 2 - Health-Related Cash Discount Cards|§ 4-106-203. Designation and registration of agent

 Any person who sells, markets, promotes, advertises, or otherwise distributes any card or other purchasing mechanism or device which is not insurance that purports to offer discounts from health care providers in health-related purchases in Arkansas shall:   (1) Designate an agent who is a resident of Arkansas for service of process; and  (2) Register the agent with the Secretary of State.
AR Code § 4-106-204 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 106 - Discount Cards|Subchapter 2 - Health-Related Cash Discount Cards|§ 4-106-204. Construction

 Nothing in this subchapter shall be construed to apply to eye or vision care services, glasses, or contact lenses provided by an optometrist or ophthalmologist.
AR Code § 4-106-205 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 106 - Discount Cards|Subchapter 2 - Health-Related Cash Discount Cards|§ 4-106-205. Right to rescind contract — No waiver of claims

 (a) In addition to any other right to revoke an offer, a buyer who enters into a contract for the purchase of a health-related discount card or other purchasing mechanism or device has the absolute right to cancel the contract and receive a full refund without penalty until midnight of the thirtieth calendar day after the effective date of the card or other purchasing mechanism or device.  (b) The acceptance or use of any card or other purchasing mechanism or device is not a waiver of:  (1) Any claim that may be asserted under this subchapter or under § 4-88-101 et seq.; or  (2) Any other applicable criminal, civil, or administrative penalties.
AR Code § 4-107-201 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 107 - Credit Cards|Subchapter 2 - Transfer of Credit Card Debt|§ 4-107-201. Definitions

 As used in this subchapter, unless the context otherwise requires:   (1) “Card issuer” means any person who issues a credit card or the agent of the person with respect to the credit card;  (2) “Cardholder” means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person;  (3) “Credit” means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment;  (4) “Credit card” means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit;  (5)  (A) “Creditor” means a person who both:  (i) Regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four (4) installments or for which the payment of a finance charge is or may be required; and  (ii) Is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement.    (B) In the case of an open-end credit plan involving a credit card, the card issuer is a creditor.  (C) “Creditor” shall also include card issuers, whether or not the amount due is payable by agreement in more than four (4) installments;    (6)  (A) “Open-end credit plan” means a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance.  (B) A credit plan which is an open-end credit plan within the meaning of the preceding sentence is an open-end credit plan even if credit information is verified from time to time; and    (7) “Person” means a natural person or an organization.
AR Code § 4-107-202 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 107 - Credit Cards|Subchapter 2 - Transfer of Credit Card Debt|§ 4-107-202. Cardholders protected

 (a) If a credit cardholder transfers an outstanding credit card balance from one credit card account to another credit card account, the creditor issuing the credit card from which the outstanding balance was transferred shall not collect any interest or any other fees attributable to the credit card account for the amount of the outstanding balance having been transferred for any period after the date of the transfer from the account.  (b) Any creditor issuing a credit card who charges a consumer any interest or any other fees after the transfer of an outstanding credit balance from one credit card account to another credit card account shall be liable to the consumer for an amount which is treble the amount of any interest or other fees charged, plus all costs, to include a reasonable amount for attorney's fees.
AR Code § 4-107-203 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 107 - Credit Cards|Subchapter 2 - Transfer of Credit Card Debt|§ 4-107-203. Deceptive trade practices

 (a)  (1) Further, a violation of the provisions of this subchapter by a credit card issuer or creditor issuing a credit card shall constitute an unfair and deceptive act or practice as defined by the Deceptive Trade Practices Act, § 4-88-101 et seq.  (2) All remedies, penalties, and authority granted to the Attorney General under the Deceptive Trade Practices Act, § 4-88-101 et seq., shall be available to the Attorney General for the enforcement of this section.    (b) Nothing in this subchapter shall limit the rights or remedies which are otherwise available to the credit card holder under any other law.  (c) The obligations under this subchapter are cumulative and should in no way be deemed to limit the obligations imposed under any other state or federal law.
AR Code § 4-107-204 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 107 - Credit Cards|Subchapter 2 - Transfer of Credit Card Debt|§ 4-107-204. Applicability

 Notwithstanding the federal Consumer Credit Protection Act, 15 U.S.C. § 1601 et seq., or any other federal or state laws protecting the rights of consumers who are issued credit cards in this state or other states, the provisions of this subchapter shall apply to all qualifying credit card account transactions where a creditor has chosen to issue a credit card to a citizen of the State of Arkansas or has chosen to continue to offer a credit card account to a citizen in Arkansas and shall thereby be governed by the provisions of this subchapter.
AR Code § 4-107-301 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 107 - Credit Cards|Subchapter 3 - Unauthorized Use of Credit Cards|§ 4-107-301. Legislative findings

 The General Assembly finds, determines, and declares that:   (1) Credit, particularly the use of credit cards, is an important tool for consumers in today's economy;  (2) Unscrupulous persons often fraudulently use the credit card accounts of others by stealing the credit card itself or obtaining the necessary information to fraudulently charge the purchase of goods and services to another person's credit card account; and  (3) Protection from unauthorized use of credit card accounts is necessary.
AR Code § 4-107-302 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 107 - Credit Cards|Subchapter 3 - Unauthorized Use of Credit Cards|§ 4-107-302. Definitions

 As used in this subchapter:   (1) “Authorized user” means a person granted express, implied, or apparent authority to use a cardholder's credit card or credit card number;  (2) “Cardholder” means the named credit card account member and co-applicant who applies for or accepts the terms and conditions of a credit card account;  (3) “Charges” means purchases, cash advances, annual membership fees, delinquent payment fees, insufficient fund fees, over-the-limit credit fees, or other amounts incurred through the use of the credit card;  (4) “Credit card” means an instrument or device, whether known as a credit card, charge card, credit plate, courtesy card, identification card, or by any other name, that:  (A) Is issued by a credit card issuer with or without a fee;  (B) Has an assigned account number; and  (C) Is for the use of the cardholder to obtain money, goods, services, or anything of monetary value, on credit, in possession, or in consideration of an undertaking or guaranty by the credit card issuer of the payment of a check drawn by the cardholder on a promise to pay, in part or in full, at a future time whether or not any part of the indebtedness that is represented by the promise to make a deferred payment is secured or unsecured;    (5) “Credit card account” means a line of credit offered by a credit card issuer to a cardholder for the use of a credit card;  (6) “Credit card agreement” means the terms and conditions governing the use of the credit card account;  (7) “Credit card issuer” means a person who issues a credit card or the agent of a person with respect to a credit card;  (8) “Creditor” means a person, business, financial institution, or commercial enterprise that owns the credit card account;  (9) “Data” means the information maintained on the cardholder's account by the original creditor, credit card issuer, or succeeding creditor in the regular course of business and transferred as part of an assignment or sales agreement to the present creditor or owner of the account electronically or otherwise from which information the present creditor or owner has compiled;  (10) “Financial institution” means:  (A) A banking institution that may issue credit cards under any state or federal law;  (B) A banking subsidiary owned by a bank holding company as defined in 12 U.S.C. § 1841 or by a savings and loan holding company as defined in 12 U.S.C. § 1467a(a)(1)(D); or  (C) Any federally regulated banking institution;    (11) “Interest” means a payment to compensate a creditor or prospective creditor for making an extension of credit, making available a line of credit, or for a borrower's default or breach of a condition on which credit was extended; and  (12) “Terms and conditions” means the general and special arrangements, provisions, requirements, rules, specifications, and standards that form an integral part of a credit card agreement between the credit card issuer and the cardholder.
AR Code § 4-107-303 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 107 - Credit Cards|Subchapter 3 - Unauthorized Use of Credit Cards|§ 4-107-303. Printing card number on receipts

 (a) No person, firm, partnership, association, corporation, limited liability company, or other entity accepting credit cards for the transaction of business shall print more than the last five (5) digits of the credit card account number, the credit card expiration date, or both, on a credit card receipt to the cardholder.  (b)  (1) This section shall apply only to the receipts that are electronically printed and shall not apply to transactions in which the sole means of recording the credit card number is by handwriting or by an imprint or copy of the credit card.  (2)  (A) Except as provided in subdivision (b)(2)(C) of this section, this section applies to any person or entity formed on and after July 16, 2003, that uses a cash register or any other machine or device that electronically imprints receipts of credit card transactions.  (B) Except as provided in subdivision (b)(2)(C) of this section, beginning January 1, 2004, this section also applies to any person or entity formed before July 16, 2003, that uses a cash register and any other machine or device that electronically imprints receipts of credit card transactions.  (C) Until January 1, 2005, this section shall not apply to:  (i) Institutions of higher education; or  (ii) Persons or entities employing no more than twenty-five (25) employees or who have generated no more than five million dollars ($5,000,000) annually in revenues from the person's business activities.
AR Code § 4-107-304 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 107 - Credit Cards|Subchapter 3 - Unauthorized Use of Credit Cards|§ 4-107-304. Acceptance of credit card agreement

 The acceptance of the terms and conditions of a credit card account by a cardholder may be established as binding and enforceable by:   (1) The written or electronic signature or other electronic record of acceptance by the cardholder; or  (2) The use of the credit card account by the named credit card account member, any coapplicant, or any authorized user if the credit card agreement provides that any use of the credit card account constitutes an acceptance of the terms and conditions of the credit card agreement if the time prescribed in 12 C.F.R. § 202.12(b) has expired.
AR Code § 4-107-305 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 107 - Credit Cards|Subchapter 3 - Unauthorized Use of Credit Cards|§ 4-107-305. Liability

 (a) A cardholder is personally liable for charges and interest incurred by the named credit card account member, any coapplicant, or any authorized user on the credit card account of the cardholder.  (b) A cardholder is not liable for charges and interest incurred on the credit card account as a result of fraudulent activity by another person.
AR Code § 4-107-306 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 107 - Credit Cards|Subchapter 3 - Unauthorized Use of Credit Cards|§ 4-107-306. Amount owed

 (a) A creditor may establish a presumption of correctness of its ownership of the credit card account and the amount of the charges and interest that is owed on a credit card account by:  (1) Filing a copy of the credit card issuer's final billing statement or charge-off statement; or  (2) Filing a compilation of the data maintained by the original creditor, credit card issuer, or succeeding creditor in the regular course of business.    (b) The cardholder may dispute the presumption with any credible evidence as allowed by state or federal law.
AR Code § 4-107-307 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 107 - Credit Cards|Subchapter 3 - Unauthorized Use of Credit Cards|§ 4-107-307. Interest rate

 A creditor may establish the contracted interest rate for a credit card account by:   (1) Documenting the acceptance of the terms and conditions that contain a stated or variable interest rate by a cardholder of the credit card account; or  (2) Any billing statement generated by the credit card issuer that contains a stated or variable interest rate.