reglab/housing_qa huggingface dataset:
14A OK Stat § 14A-6-108 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-6-108. Administrative enforcement orders - Review.

|(1) After notice and hearing, the Administrator or the independent hearing examiner may order a creditor or a person acting in the creditor's behalf to cease and desist from engaging in violations of this title. |(2) A respondent aggrieved by an order of the Administrator may obtain judicial review of the order as provided by the Administrative Procedures Act. In such a review proceeding, the Administrator may apply for a decree enforcing the order. All such proceedings shall be conducted and the court's authority in review shall be exercised in accordance with the provisions of the Administrative Procedures Act, with the following additions:(a)the court may grant any temporary relief or restraining order it deems just,(b)if the court affirms or modifies the order, it shall enter a decree enforcing and requiring compliance with the order as affirmed or as modified,(c)an objection to the order not urged at the hearing shall not be considered by the court unless the failure to urge the objection is excused for good cause shown, and(d)the copy of the testimony from the administrative hearing shall be available at reasonable times to all parties for examination without cost.(3) If no proceeding for review has been filed within the time specified by law, the Administrator or a representative may obtain from a court having jurisdiction over the respondent a decree for enforcement of the order upon a showing that the order was issued in compliance with this section, that no proceeding for review was initiated within the time specified by law, and that the respondent is subject to the jurisdiction of the court.(4) With respect to unconscionable agreements or fraudulent or unconscionable conduct by the respondent, the Administrator or a representative may not issue an order pursuant to this section but may bring a civil action for an injunction under Section 6-111 of this title.(5) In order to ensure the effective supervision and enforcement of supervised lenders licensed pursuant to Section 3-508A of this title, the Administrator of Consumer Credit may, after notice and hearing pursuant to Article II of the Administrative Procedures Act, seek any relief against the supervised lender licensee authorized by subsection (1), (2) or (3) of this section and may impose an administrative fine in an amount not less than One Hundred Dollars ($100.00) nor more than Two Thousand Five Hundred Dollars ($2,500.00) for each violation of the Uniform Consumer Credit Code, not to exceed Five Thousand Dollars ($5,000.00) for all violations resulting from a single incident or transaction.Added by Laws 1969, c. 352, § 6-108, eff. July 1, 1969. Amended by Laws 2000, c. 217, § 24, eff. July 1, 2000; Laws 2014, c. 297, § 3.
14A OK Stat § 14A-6-109 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-6-109. Assurance of discontinuance.

|If it is claimed that a person has engaged in conduct subject to an order by the Administrator (Section 6-108) or by a court (Sections 6-110 through 6-112), the Administrator may accept an assurance in writing that the person will not engage in the conduct in the future. If a person giving an assurance of discontinuance fails to comply with its terms, the assurance is evidence that prior to the assurance he engaged in the conduct described in the assurance. |Added by Laws 1969, c. 352, § 6-109, eff. July 1, 1969.
14A OK Stat § 14A-6-110 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-6-110. Injunctions against violations of act.

|The Administrator may bring a civil action to restrain a person from violating this act and for other appropriate relief. |Added by Laws 1969, c. 352, § 6-110, eff. July 1, 1969.
14A OK Stat § 14A-6-111 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-6-111. Injunctions against unconscionable agreements and fraudulent or unconscionable conduct.

|(1) The Administrator may bring a civil action to restrain a creditor or a person acting in his behalf from engaging in a course of |(a)making or enforcing unconscionable terms or provisions of consumer credit sales, consumer leases, or consumer loans;(b)fraudulent or unconscionable conduct in inducing debtors to enter into consumer credit sales, consumer leases, or consumer loans; or(c)fraudulent or unconscionable conduct in the collection of debts arising from consumer credit sales, consumer leases, or consumer loans.(2) In an action brought pursuant to this section the court may grant relief only if it finds(a)that the respondent has made unconscionable agreements or has engaged or is likely to engage in a course of fraudulent or unconscionable conduct;(b)that the agreements or conduct of the respondent has caused or is likely to cause injury to consumers; and(c)that the respondent has been able to cause or will be able to cause the injury primarily because the transactions involved are credit transactions.(3) In applying this section, consideration shall be given to each of the following factors, among other:(a)belief by the creditor at the time consumer credit sales, consumer leases, or consumer loans are made that there was no reasonable probability of payment in full of the obligation by the debtor;(b)in the case of consumer credit sales or consumer leases, knowledge by the seller or lessor at the time of the sale or lease of the inability of the buyer or lessee to receive substantial benefits from the property or services sold or leased;(c)in the case of consumer credit sales or consumer leases, gross disparity between the price of the property or services sold or leased and the value of the property or services measured by the price at which similar property or services are readily obtainable in credit transactions by like buyers or lessees;(d)the fact that the creditor contracted for or received separate charges for insurance with respect to consumer credit sales or consumer loans with the effect of making the sales or loans, considered as a whole, unconscionable; and(e)the fact that the respondent has knowingly taken advantage of the inability of the debtor reasonably to protect his interests by reason of physical or mental infirmities, ignorance, illiteracy or inability to understand the language of the agreement, or similar factors.(4) In an action brought pursuant to this section, a charge or practice expressly permitted by this act is not in itself unconscionable.Added by Laws 1969, c. 352, § 6-111, eff. July 1, 1969.
14A OK Stat § 14A-6-112 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-6-112. Temporary relief.

|With respect to an action brought to enjoin violations of the act (Section 6-110) or unconscionable agreements or fraudulent or unconscionable conduct (Section 6-111), the Administrator may apply to the court for appropriate temporary relief against a respondent, pending final determination of proceedings. If the court finds after a hearing held upon notice to the respondent that there is reasonable cause to believe that the respondent is engaging in or is likely to engage in conduct sought to be restrained, it may grant any temporary relief or restraining order it deems appropriate. |Added by Laws 1969, c. 352, § 6-112, eff. July 1, 1969.
14A OK Stat § 14A-6-114 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-6-114. Jury trial.

|In an action brought by the Administrator under this act, the Administrator has no right to trial by jury. |Added by Laws 1969, c. 352, § 6-114, eff. July 1, 1969.
14A OK Stat § 14A-6-115 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-6-115. Debtors' remedies not affected.

|The grant of powers to the Administrator in this article does not affect remedies available to debtors under this act or under other principles of law or equity. |Added by Laws 1969, c. 352, § 6-115, eff. July 1, 1969.
14A OK Stat § 14A-6-116 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-6-116. Report on conclusion of examination – Preservation of examinations and reports.

|A. Upon the conclusion of any examination conducted by the Department of Consumer Credit pursuant to this or any other act administered by the Administrator of Consumer Credit, the Administrator may make and file in the Office of the Administrator a report in detail disclosing the results of such examination or may, on conditions prescribed by the Administrator, prepare a summary memorandum regarding the results of such examination, and shall, upon request by the examined party, mail a copy of such report or memorandum to the examined party. |B. All examinations and reports received by the Administrator shall be preserved in the Office of the Administrator for a period of not less than five (5) years. Such examinations and reports and all other records of licensed entities are to be kept confidential, except as otherwise permitted by law. Copies of such examinations and reports in the possession of an institution under the Department's supervision are the property of the Department and are not subject to disclosure to third parties, including disclosure or production pursuant to subpoena or other request. However, an institution in possession of a copy of such examinations and reports may disclose the examinations and reports to its accountants, advisors, consultants and legal counsel. An institution in possession of a copy of examinations and reports may also disclose such examinations and reports to other persons or entities with the prior written approval of the Administrator or Deputy Administrator. All requests for review of such examinations and reports, other than an institution's accountants, advisors, consultants, legal counsel or a third party that has obtained the written approval of the Administrator or Deputy Administrator, shall be directed to the Department and are subject to the requirements of Section 3 of this act.Added by Laws 2019, c. 103, § 2, eff. Nov. 1, 2019.
14A OK Stat § 14A-6-117 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-6-117. Designation as public records – Other records confidential.

|A. The following records in the Oklahoma Department of Consumer Credit are designated as public records: |1. All applications for licensure and supporting information with the exception of personal financial records of individual applicants, dates of birth, Social Security numbers, signatures and fingerprints;2. All records introduced at administrative hearings; and3. All records related to licensed entities filed in the Office of the Secretary of State.B. All other records in the Department shall be confidential and not subject to public inspection. However, the Commission on Consumer Credit, Administrator of Consumer Credit or Deputy Administrator may divulge such confidential information with the written approval of the Administrator after receipt of a written request which shall:1. Specify the record or records to which access is requested; and2. Give the reasons for the request.Such records may also be produced pursuant to a valid judicial subpoena or other legal process requiring production, if the Administrator determines that the records are relevant to the hearing or proceeding and that production is in the best interests of justice. The records may be disclosed only after a determination by the Administrator that good cause exists for the disclosure. Either prior to or at the time of any disclosure, the Administrator shall impose such terms and conditions as the Administrator deems necessary to protect the confidential nature of the record, the financial integrity of any institution to which the record relates and the legitimate privacy interests of any individual named in such records.C. All documents which the Department is required, by any provision of any act administered by the Administrator or by any other statute or regulation of this state, to retain or preserve in its possession may be retained and preserved, in lieu of retention of the original records or copies, in an electronic format and stored by electronic imaging or otherwise so that the documents may be later reproduced as necessary. Any such electronically stored or imaged document or reproduction shall have the same force and effect as the original thereof and shall be admitted in evidence equally with the original.D. With respect to records of the Department which are considered public records, and which are subject to the Oklahoma Open Records Act, the Department may charge a document copying fee of twenty-five cents ($0.25) per page. With respect to records of the Department which are not considered public records, the Department may charge a document copying fee of One Dollar ($1.00) per page, and if the Administrator, pursuant to the provisions of subsection B of this section, permits the inspection or copying of an examination report prepared by the Department, a minimum fee of One Hundred Dollars ($100.00) shall be charged.Added by Laws 2019, c. 103, § 3, eff. Nov. 1, 2019.
14A OK Stat § 14A-6-201 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-6-201. Applicability.

|This part applies to a person other than a supervised financial organization or a person holding a license to make supervised loans issued under Part 5 of Article 3 of this act, engaged in making in this state consumer credit sales, consumer leases, or consumer loans and to a person having an office or place of business in this state who takes assignments of and undertakes direct collection of payments from or enforcement of rights against debtors arising from these sales, leases or loans. |Added by Laws 1969, c. 352, § 6-201, eff. July 1, 1969.
14A OK Stat § 14A-6-202 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-6-202. Notification.

|(1) Persons subject to this part shall file notification with the Administrator within thirty (30) days after commencing business in this state, and thereafter, on or before January 31 of each year. The notification shall state |(a)name of the person;(b)name in which business is transacted if different from (1);(c)address of principal office, which may be outside this state;(d)address of all offices or retail stores, if any, in this state at which consumer credit sales, consumer leases, or consumer loans are made, or in the case of a person taking assignments of obligations, the offices or places of business within this state at which business is transacted;(e)if consumer credit sales, consumer leases, or consumer loans are made otherwise than at an office or retail store in this state, a brief description of the manner in which they are made;(f)address of designated agent upon whom service of process may be made in this state (Section 1-203); and(g)whether regulated or supervised loans or both are made.(2) If information in a notification becomes inaccurate after filing, no further notification is required until the following January 31.Added by Laws 1969, c. 352, § 6-202, eff. July 1, 1969.
14A OK Stat § 14A-6-203 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-6-203. Fees.

|(1) Any person required to file notification pursuant to the provisions of Section 6-201 of this title, on or before January 31 of each year, shall pay to the Administrator of Consumer Credit an annual fee as prescribed by rule, and an investigation fee of One Hundred Dollars ($100.00) for each business location. A late fee shall be charged for any notification filed after January 31. The license shall expire thirty (30) days after January 31 of any year for which the annual fee and investigation fee have not been paid. Licensees shall also pay a fee of Twenty-five Dollars ($25.00) for any returned check, address or license change or duplicate license request. |(2) The term "licensee" or "license", as used in this title, includes any entity or individual that has filed or is required to file notification with the Administrator pursuant to the provisions of Sections 6-201 through 6-203 of this title.Added by Laws 1969, c. 352, § 6-203, eff. July 1, 1969. Amended by Laws 1984, c. 200, § 3, operative July 1, 1984; Laws 1986, c. 208, § 4, operative July 1, 1986; Laws 2010, c. 415, § 6, eff. July 1, 2010; Laws 2019, c. 107, § 1, eff. Nov. 1, 2019.
14A OK Stat § 14A-6-301 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-6-301. Consumer Credit Administrative Expenses Revolving Fund.

|There is hereby created in the State Treasury a revolving fund for the Commission on Consumer Credit to be designated as the "Consumer Credit Administrative Expenses Revolving Fund". The fund shall be a continuing fund, not subject to fiscal year limitations and shall consist of all monies as directed to be deposited in such fund by law. Monies accruing to the credit of this fund are hereby appropriated and may be budgeted and expended by the Administrator of the Commission on Consumer Credit upon warrants issued by the State Treasurer against claims filed as prescribed by law with the Director of the Office of Management and Enterprise Services for approval and payment. |Added by Laws 2009, c. 431, § 1, eff. July 1, 2009. Amended by Laws 2012, c. 304, § 54.
14A OK Stat § 14A-6-302 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-6-302. Commission on Consumer Credit - Prescription of fees.

|(1) The Commission on Consumer Credit shall prescribe by administrative rules all fees authorized by the Uniform Consumer Credit Code, the Credit Services Organization Act, the Oklahoma Pawnshop Act, the Precious Metal and Gem Dealer Licensing Act, the Oklahoma Rental-Purchase Act, the Oklahoma Health Spa Act, the Oklahoma Secure and Fair Enforcement for Mortgage Licensing Act and the Deferred Deposit Lending Act. All fees prescribed by rule of the Commission shall be in accordance with Article I of the Administrative Procedures Act and this subsection. Prior to July 1, 2011, the Commission shall establish all authorized fees by emergency rule. Any fee established by emergency rule shall remain effective until the fee is prescribed by permanent rule of the Commission in accordance with Article I of the Administrative Procedures Act. Any fees prescribed by rule after July 1, 2011, shall be prescribed as permanent rules; provided, no fee prescribed after July 1, 2011, shall become effective unless approved by the Legislature. |(2) Examination and investigation fees shall not be increased more than Two Hundred Dollars ($200.00) in a three-calendar-year period.(3) Annual license fees shall not be increased more than One Hundred Dollars ($100.00) in a three-calendar-year period.Added by Laws 2010, c. 415, § 7, eff. July 1, 2010.
14A OK Stat § 14A-6-303 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-6-303. Deposit of fees in Consumer Credit Administrative Expenses Revolving Fund.

|A. Beginning on the effective date of this act, ninety percent (90%) of all fees and civil penalties collected by the Department of Consumer Credit pursuant to the Uniform Consumer Credit Code, the Credit Services Organization Act, the Oklahoma Pawnshop Act, the Precious Metal and Gem Dealer Licensing Act, the Oklahoma Rental-Purchase Act, the Oklahoma Health Spa Act, the Oklahoma Secure and Fair Enforcement for Mortgage Licensing Act and the Deferred Deposit Lending Act shall be deposited in the Consumer Credit Administrative Expenses Revolving Fund established in Section 6-301 of this title. |B. Beginning on the effective date of this act, ten percent (10%) of all fees and civil penalties collected by the Department of Consumer Credit pursuant to the Uniform Consumer Credit Code, the Credit Services Organization Act, the Oklahoma Pawnshop Act, the Precious Metal and Gem Dealer Licensing Act, the Oklahoma Rental-Purchase Act, the Oklahoma Health Spa Act, the Oklahoma Secure and Fair Enforcement for Mortgage Licensing Act and the Deferred Deposit Lending Act shall be deposited in the General Revenue Fund of the State Treasury.C. The provisions of this section shall not apply to fees received for the Oklahoma Mortgage Broker and Mortgage Loan Originator Recovery Fund and fees received from deferred deposit lenders for consumer counseling services pursuant to Section 3119 of Title 59 of the Oklahoma Statutes.D. The Administrator of Consumer Credit may reduce annual license fees on a pro rata basis for a specific renewal period. The Administrator shall notify licensees of an annual license fee reduction prior to November 1 of the specific license renewal period. An annual license fee does not include an initial annual license fee for purposes of this subsection.Added by Laws 2010, c. 415, § 8, eff. July 1, 2010. Amended by Laws 2012, c. 328, § 1; Laws 2014, c. 261, § 1; Laws 2017, c. 316, § 1, eff. July 1, 2018.
14A OK Stat § 14A-6-502 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-6-502. Members of Commission.

|A. The Commission on Consumer Credit shall consist of nine (9) members to be appointed by the Governor by and with the advice and consent of the Senate. The State Banking Commissioner shall be an ex officio voting tenth member of the Commission. |B. It is unlawful for any member of the Commission, the Administrator of Consumer Credit, or any other officer or employee of the Department to use for personal benefit any information which is filed with or obtained by the Administrator and which is not made public. No provision of the Uniform Consumer Credit Code authorizes any member of the Commission, the Administrator, or any other officer or employee of the Department to disclose any information except among themselves or when necessary or appropriate in a proceeding or investigation according to the provisions of the Uniform Consumer Credit Code. The provisions of the Uniform Consumer Credit Code shall not be construed to create or derogate any privilege that exists at common law or otherwise when documentary or other evidence is sought under a subpoena directed to any member of the Commission, the Administrator, or any other officer or employee of the Department.C. Except upon proof of corruption, no member of the Commission shall be civilly liable to any applicant or other person for any acts or omissions.D. No member of the Commission shall participate in any proceeding before the Commission involving any corporation, partnership, or unincorporated association for which the member is or was at any time in the preceding twelve (12) months a director, officer, partner, employee, member, or stockholder. A member of the Commission may disqualify himself or herself from participation in any proceeding before the Commission for any cause deemed by him or her to be sufficient.Added by Laws 1969, c. 352, § 6-502, eff. July 1, 1969. Amended by Laws 1984, c. 46, § 1, eff. Nov. 1, 1984; Laws 2009, c. 190, § 1, eff. July 1, 2009; Laws 2016, c. 158, § 1, emerg. eff. May 1, 2017.