reglab/housing_qa huggingface dataset:
32 ME Rev Stat § 6127 (2021)
2021 Maine Revised Statutes|TITLE 32: PROFESSIONS AND OCCUPATIONS|Chapter 80: MONEY TRANSMITTERS AND CHECK CASHERS|Subchapter 1: MONEY TRANSMITTERS|32 §6127. Multiple licenses

 §6127. Multiple licenses A person licensed under this subchapter is not required to obtain a separate license to engage in either the cashing of checks or the exchange of foreign currency in the State.   [PL 1997, c. 155, Pt. A, §2 (NEW).]SECTION HISTORY PL 1997, c. 155, §A2 (NEW).
32 ME Rev Stat § 6128 (2021)
2021 Maine Revised Statutes|TITLE 32: PROFESSIONS AND OCCUPATIONS|Chapter 80: MONEY TRANSMITTERS AND CHECK CASHERS|Subchapter 1: MONEY TRANSMITTERS|32 §6128. Treatment of fees

 §6128. Treatment of fees The aggregate of fees, examination expense reimbursements and other payments made under this subchapter is appropriated for the use of the administrator. Any balances of funds do not lapse but must be carried forward to be expended for the same purposes in the following fiscal year.   [PL 1997, c. 155, Pt. A, §2 (NEW).]SECTION HISTORY PL 1997, c. 155, §A2 (NEW).
32 ME Rev Stat § 6129 (2021)
2021 Maine Revised Statutes|TITLE 32: PROFESSIONS AND OCCUPATIONS|Chapter 80: MONEY TRANSMITTERS AND CHECK CASHERS|Subchapter 1: MONEY TRANSMITTERS|32 §6129. Effective date

 §6129. Effective date This subchapter is effective on January 1, 1998. Every person engaged in activities within this State encompassed by this subchapter at the time of the subchapter's adoption, except those persons already licensed under former section 891 in this State, shall file an application in accordance with the provisions of this subchapter within 3 months after the date this subchapter becomes effective. Those persons already licensed under former section 891 in this State must file an application for a renewal license pursuant to this subchapter within 3 months after the date this subchapter becomes effective. A person is not deemed to be in violation of this subchapter for operating without a license if the person files an application within the 3-month period, until the application is denied.   [PL 1997, c. 155, Pt. A, §2 (NEW).]SECTION HISTORY PL 1997, c. 155, §A2 (NEW).
32 ME Rev Stat § 6131 (2021)
2021 Maine Revised Statutes|TITLE 32: PROFESSIONS AND OCCUPATIONS|Chapter 80: MONEY TRANSMITTERS AND CHECK CASHERS|Subchapter 2: CHECK CASHING AND FOREIGN CURRENCY EXCHANGE|32 §6131. Short title

 §6131. Short title This subchapter may be known and cited as the "Check Cashing and Foreign Currency Exchange Act."   [PL 1997, c. 155, Pt. A, §2 (NEW).]SECTION HISTORY PL 1997, c. 155, §A2 (NEW).
32 ME Rev Stat § 6134 (2021)
2021 Maine Revised Statutes|TITLE 32: PROFESSIONS AND OCCUPATIONS|Chapter 80: MONEY TRANSMITTERS AND CHECK CASHERS|Subchapter 2: CHECK CASHING AND FOREIGN CURRENCY EXCHANGE|32 §6134. Application

 §6134. Application An application for registration must be in writing and under oath to the administrator, in such form as the administrator may prescribe. The application must include the following information:   [PL 1997, c. 155, Pt. A, §2 (NEW).]1.  Name and residence.  The legal name and residence and business addresses of the applicant, if the applicant is a natural person, or, if the applicant is a partnership, association, or corporation, the name of every partner, officer, or administrator of the applicant;   [PL 1997, c. 155, Pt. A, §2 (NEW).] 2.  Location.  The location of the principal office of the applicant;   [PL 1997, c. 155, Pt. A, §2 (NEW).] 3.  Other locations.  The complete address of any other locations at which the applicant proposes to engage in the activities regulated by this subchapter; and   [PL 1997, c. 155, Pt. A, §2 (NEW).] 4.  Other information.  Such other information as the administrator may reasonably require with respect to the applicant.   [PL 1997, c. 155, Pt. A, §2 (NEW).] SECTION HISTORY PL 1997, c. 155, §A2 (NEW).
32 ME Rev Stat § 6135 (2021)
2021 Maine Revised Statutes|TITLE 32: PROFESSIONS AND OCCUPATIONS|Chapter 80: MONEY TRANSMITTERS AND CHECK CASHERS|Subchapter 2: CHECK CASHING AND FOREIGN CURRENCY EXCHANGE|32 §6135. Registration standards

 §6135. Registration standards 1.  Investigation.  Upon the filing of an application for registration, the administrator shall investigate the applicant with respect to:   A. The business records and the capital adequacy of the person seeking the registration;   [PL 1997, c. 155, Pt. A, §2 (NEW).]B. The competence, experience, integrity and financial ability of any individual who:   (1) Is a director, officer or supervisory employee of the business; or   (2) Owns or controls the business; and   [PL 1997, c. 155, Pt. A, §2 (NEW).]C. The record of the applicant or of any person referenced in paragraph B with respect to:   (1) Any criminal activity;   (2) Any fraud or other act of personal dishonesty;   (3) Any act, omission or practice that constitutes a breach of a fiduciary duty; or   (4) Any suspension or removal, by any agency or department of the United States or any state, from participation in the conduct of any federally or state-licensed or regulated business.   [PL 1997, c. 155, Pt. A, §2 (NEW).][PL 1997, c. 155, Pt. A, §2 (NEW).] 2.  Grounds for denial.  If the investigation under subsection 1 results in findings that the applicant is not properly qualified to conduct business under this subchapter, those findings are grounds for denial of the application.   [PL 1997, c. 155, Pt. A, §2 (NEW).] SECTION HISTORY PL 1997, c. 155, §A2 (NEW).
32 ME Rev Stat § 6136 (2021)
2021 Maine Revised Statutes|TITLE 32: PROFESSIONS AND OCCUPATIONS|Chapter 80: MONEY TRANSMITTERS AND CHECK CASHERS|Subchapter 2: CHECK CASHING AND FOREIGN CURRENCY EXCHANGE|32 §6136. Registration term; renewal

 §6136. Registration term; renewal 1.  Effective registrations.  Registration pursuant to this subchapter remains effective through the remainder of the calendar year of its date of issuance, unless sooner surrendered, suspended or revoked.   [PL 1997, c. 155, Pt. A, §2 (NEW).] 2.  Annual renewal.  Registrations must be renewed annually, in such form as the administrator may prescribe.   [PL 1997, c. 155, Pt. A, §2 (NEW).] SECTION HISTORY PL 1997, c. 155, §A2 (NEW).
32 ME Rev Stat § 6137 (2021)
2021 Maine Revised Statutes|TITLE 32: PROFESSIONS AND OCCUPATIONS|Chapter 80: MONEY TRANSMITTERS AND CHECK CASHERS|Subchapter 2: CHECK CASHING AND FOREIGN CURRENCY EXCHANGE|32 §6137. Fees (REPEALED)

 §6137. Fees (REPEALED)SECTION HISTORY PL 1997, c. 155, §A2 (NEW). PL 2021, c. 245, Pt. D, §23 (RP).
32 ME Rev Stat § 6138 (2021)
2021 Maine Revised Statutes|TITLE 32: PROFESSIONS AND OCCUPATIONS|Chapter 80: MONEY TRANSMITTERS AND CHECK CASHERS|Subchapter 2: CHECK CASHING AND FOREIGN CURRENCY EXCHANGE|32 §6138. Limitations

 §6138. Limitations 1.  Endorsement.  Before a registrant may deposit, with any financial institution, a payment instrument that is cashed by a registrant, the item must be endorsed with the actual name under which the registrant is doing business.   [PL 1997, c. 155, Pt. A, §2 (NEW).] 2.  Compliance with state and federal law.  Registrants must comply with all the laws of this State and any federal laws.   [PL 1997, c. 155, Pt. A, §2 (NEW).] 3.  Display of certificate of registration.  The administrator may require each check cashing business and foreign currency exchange business to display its registration certificate in its place of business.   [PL 1997, c. 155, Pt. A, §2 (NEW).] 4.  Prohibited activities.  A check cashing business may not:   A. Charge fees, except as otherwise provided by this subchapter, in excess of 5% of the face amount of the payment instrument, or 6% without the provision of identification, or $5, whichever is greater;   [PL 1997, c. 155, Pt. A, §2 (NEW).]B. Charge fees in excess of 3% of the face amount of the payment instrument, or 4% without the provision of identification, or $5, whichever is greater, if the payment instrument is the payment of any kind of state public assistance or federal social security benefit payable to the bearer of the payment instrument;   [PL 1997, c. 155, Pt. A, §2 (NEW).]C. Charge fees for personal checks or money orders in excess of 10% of the face amount of those payment instruments, or $5, whichever is greater;   [PL 1997, c. 155, Pt. A, §2 (NEW).]D. Cash or advance any money on a postdated check;   [PL 1997, c. 155, Pt. A, §2 (NEW).]E. Agree to hold a check or draft for later deposit;   [PL 1997, c. 155, Pt. A, §2 (NEW).]F. Issue any check or draft without concurrently receiving the full principal amount in cash or its equivalent; or   [PL 1997, c. 155, Pt. A, §2 (NEW).]G. Engage in any false or misleading advertising.   [PL 1997, c. 155, Pt. A, §2 (NEW).][PL 1997, c. 155, Pt. A, §2 (NEW).] SECTION HISTORY PL 1997, c. 155, §A2 (NEW).
32 ME Rev Stat § 6139 (2021)
2021 Maine Revised Statutes|TITLE 32: PROFESSIONS AND OCCUPATIONS|Chapter 80: MONEY TRANSMITTERS AND CHECK CASHERS|Subchapter 2: CHECK CASHING AND FOREIGN CURRENCY EXCHANGE|32 §6139. Records of check cashing and foreign currency exchange business

 §6139. Records of check cashing and foreign currency exchange business 1.  Maintenance of records.  A registrant shall maintain all books, accounts, records and documents necessary to determine the registrant's compliance with the provisions of this subchapter. Books, accounts, records and documents must be retained for a period of at least 3 years.   [PL 1997, c. 155, Pt. A, §2 (NEW).] 2.  Location of records.  The records required to be maintained may be maintained by the registrant at any location, so long as the registrant notifies the administrator, in writing, of the location of the records in its application or otherwise. The registrant shall make such records available to the administrator for examination and investigation in this State within 7 days after receipt of a written request.   [PL 1997, c. 155, Pt. A, §2 (NEW).] 3.  Expiration of retention period.  Registrants and authorized vendors are not required to preserve or retain any of the records required by this section or copies of those records for a period longer than 3 years unless a longer period is expressly required by the laws of this State or any federal law. A registrant or authorized vendor may destroy any of its records or copies after the expiration of the retention period required by this section.   [PL 1997, c. 155, Pt. A, §2 (NEW).] 4.  Electronic storage.  The original of any record of a registrant includes the data or other information comprising a record stored or transmitted in or by means of any electronic, computerized, mechanized or other information storage or retrieval or transmission system or device that can upon request generate, regenerate or transmit the precise data or other information comprising the records. An original also includes the visible data or other information so generated, regenerated, or transmitted if it is legible or can be made legible by enlargement or other process.   [PL 1997, c. 155, Pt. A, §2 (NEW).] SECTION HISTORY PL 1997, c. 155, §A2 (NEW).
32 ME Rev Stat § 6140 (2021)
2021 Maine Revised Statutes|TITLE 32: PROFESSIONS AND OCCUPATIONS|Chapter 80: MONEY TRANSMITTERS AND CHECK CASHERS|Subchapter 2: CHECK CASHING AND FOREIGN CURRENCY EXCHANGE|32 §6140. Examinations

 §6140. Examinations 1.  Examination.  The administrator may examine the books, accounts and records of an applicant or registrant and make investigations to determine compliance with this subchapter.   [PL 1997, c. 155, Pt. A, §2 (NEW).] 2.  Expenses.  The expenses of the administrator necessarily incurred in the examination or investigation of any applicant or registrant are chargeable to that person.   [PL 1997, c. 155, Pt. A, §2 (NEW).] SECTION HISTORY PL 1997, c. 155, §A2 (NEW).
32 ME Rev Stat § 6141 (2021)
2021 Maine Revised Statutes|TITLE 32: PROFESSIONS AND OCCUPATIONS|Chapter 80: MONEY TRANSMITTERS AND CHECK CASHERS|Subchapter 2: CHECK CASHING AND FOREIGN CURRENCY EXCHANGE|32 §6141. Reporting requirements

 §6141. Reporting requirements A registrant under this subchapter shall:   [PL 1997, c. 155, Pt. A, §2 (NEW).]1.  Disclose to administrator.  Disclose to the administrator the fees charged to consumers for services regulated by this subchapter; and   [PL 1997, c. 155, Pt. A, §2 (NEW).] 2.  Disclose to public.  Conspicuously disclose to the public, at each business location, the fees charged to consumers for its services.   [PL 1997, c. 155, Pt. A, §2 (NEW).] SECTION HISTORY PL 1997, c. 155, §A2 (NEW).
32 ME Rev Stat § 6142 (2021)
2021 Maine Revised Statutes|TITLE 32: PROFESSIONS AND OCCUPATIONS|Chapter 80: MONEY TRANSMITTERS AND CHECK CASHERS|Subchapter 2: CHECK CASHING AND FOREIGN CURRENCY EXCHANGE|32 §6142. Suspension or revocation of registration

 §6142. Suspension or revocation of registration After notice and hearing, the administrator may suspend or revoke a registrant's registration if the administrator finds that:   [PL 1997, c. 155, Pt. A, §2 (NEW).]1.  Grounds for denial.  A fact or condition exists that, if it had existed at the time when the registrant applied for its registration, would have been grounds for denying the application;   [PL 1997, c. 155, Pt. A, §2 (NEW).] 2.  Inadequate net worth.  The registrant's net worth becomes inadequate and the registrant, after 10 days' written notice from the administrator, fails to take such steps as the administrator determines necessary to remedy the deficiency;   [PL 1997, c. 155, Pt. A, §2 (NEW).] 3.  Violation.  The registrant knowingly violates a material provision of this subchapter or a rule or order validly adopted by the administrator under authority of this subchapter;   [PL 1997, c. 155, Pt. A, §2 (NEW).] 4.  Safety and soundness.  The registrant is conducting its business in an unsafe or unsound manner;   [PL 1997, c. 155, Pt. A, §2 (NEW).] 5.  Insolvency.  The registrant is insolvent;   [PL 1997, c. 155, Pt. A, §2 (NEW).] 6.  Failure to meet obligations.  The registrant has suspended payment of its obligations, made an assignment for the benefit of its creditors, or admitted in writing its inability to pay its debts as they become due;   [PL 1997, c. 155, Pt. A, §2 (NEW).] 7.  Bankruptcy.  The registrant has applied for an adjudication of bankruptcy, reorganization, arrangement or other relief under any bankruptcy;   [PL 1997, c. 155, Pt. A, §2 (NEW).] 8.  Refusal of examination.  The registrant refuses to permit the administrator to make an examination authorized by this subchapter;   [PL 1997, c. 155, Pt. A, §2 (NEW).] 9.  Failure to respond.  The registrant fails to promptly and adequately respond to communications from the administrator; or   [PL 1997, c. 155, Pt. A, §2 (NEW).] 10.  Failure to report.  The registrant willfully fails to make a report required by this subchapter.   [PL 1997, c. 155, Pt. A, §2 (NEW).] SECTION HISTORY PL 1997, c. 155, §A2 (NEW).
32 ME Rev Stat § 6143 (2021)
2021 Maine Revised Statutes|TITLE 32: PROFESSIONS AND OCCUPATIONS|Chapter 80: MONEY TRANSMITTERS AND CHECK CASHERS|Subchapter 2: CHECK CASHING AND FOREIGN CURRENCY EXCHANGE|32 §6143. Penalties

 §6143. Penalties 1.  Criminal penalty.  A person who carries on a business regulated by this subchapter without a valid registration is guilty of a Class E crime.   [PL 1997, c. 155, Pt. A, §2 (NEW).] 2.  Civil penalty.  A registrant who fails to comply with a provision of this subchapter is subject to a civil action in which a court may assess a penalty not to exceed $5,000 or actual damages, whichever is greater.   [PL 1997, c. 155, Pt. A, §2 (NEW).] SECTION HISTORY PL 1997, c. 155, §A2 (NEW).
32 ME Rev Stat § 6144 (2021)
2021 Maine Revised Statutes|TITLE 32: PROFESSIONS AND OCCUPATIONS|Chapter 80: MONEY TRANSMITTERS AND CHECK CASHERS|Subchapter 2: CHECK CASHING AND FOREIGN CURRENCY EXCHANGE|32 §6144. Adoption of rules

 §6144. Adoption of rules Rules adopted under this subchapter are routine technical rules as defined in Title 5, chapter 375, subchapter II-A.   [PL 1997, c. 155, Pt. A, §2 (NEW).]SECTION HISTORY PL 1997, c. 155, §A2 (NEW).
32 ME Rev Stat § 6145 (2021)
2021 Maine Revised Statutes|TITLE 32: PROFESSIONS AND OCCUPATIONS|Chapter 80: MONEY TRANSMITTERS AND CHECK CASHERS|Subchapter 2: CHECK CASHING AND FOREIGN CURRENCY EXCHANGE|32 §6145. Designation of agent for service of process

 §6145. Designation of agent for service of process An applicant must designate and maintain an agent in this State for service of process.   [PL 1997, c. 155, Pt. A, §2 (NEW).]SECTION HISTORY PL 1997, c. 155, §A2 (NEW).
32 ME Rev Stat § 6146 (2021)
2021 Maine Revised Statutes|TITLE 32: PROFESSIONS AND OCCUPATIONS|Chapter 80: MONEY TRANSMITTERS AND CHECK CASHERS|Subchapter 2: CHECK CASHING AND FOREIGN CURRENCY EXCHANGE|32 §6146. Privacy of consumer financial information

 §6146. Privacy of consumer financial information A check cashing business or foreign currency exchange business shall comply with the provisions of the federal Gramm-Leach-Bliley Act, 15 United States Code, Section 6801 et seq. (1999) and the applicable implementing federal Privacy of Consumer Information regulations, as adopted by the Office of the Comptroller of the Currency, 12 Code of Federal Regulations, Part 40 (2001); the Board of Governors of the Federal Reserve System, 12 Code of Federal Regulations, Part 216 (2001); the Federal Deposit Insurance Corporation, 12 Code of Federal Regulations, Part 332 (2001); the Office of Thrift Supervision, 12 Code of Federal Regulations, Part 573 (2001); the National Credit Union Administration, 12 Code of Federal Regulations, Part 716 (2001); the Federal Trade Commission, 16 Code of Federal Regulations, Part 313 (2001); or the Securities and Exchange Commission, 17 Code of Federal Regulations, Part 248 (2001), if the check cashing business or foreign currency exchange business is a financial institution as defined in those regulations. This section is not intended to permit the release of health care information except as permitted by Title 22, section 1711-C or Title 24-A, chapter 24.   [PL 2001, c. 262, Pt. E, §2 (NEW).]SECTION HISTORY PL 2001, c. 262, §E2 (NEW).
32 ME Rev Stat § 6152 (2021)
2021 Maine Revised Statutes|TITLE 32: PROFESSIONS AND OCCUPATIONS|Chapter 80: MONEY TRANSMITTERS AND CHECK CASHERS|Subchapter 3: CASH-DISPENSING MACHINES ESTABLISHED BY NONBANKS|32 §6152. Establishment of cash-dispensing machines; limitations

 §6152. Establishment of cash-dispensing machines; limitations 1.  Cash-dispensing machines.  A person may not establish or operate a cash-dispensing machine unless that person has first complied with the provisions of this subchapter.   [PL 1999, c. 229, §2 (NEW).] 2.  Limitations.  A cash-dispensing machine:   A. May not accept deposits or loan payments or effectuate account transfers other than those transfers between the customer's accounts in the same financial institution; and   [PL 1999, c. 229, §2 (NEW).]B. Must be operated in such a way as to comply with the Electronic Funds Transfer Act, 15 United States Code, Section 1693 et seq. or regulations adopted under that Act.   [PL 1999, c. 229, §2 (NEW).][PL 1999, c. 229, §2 (NEW).] SECTION HISTORY PL 1999, c. 229, §2 (NEW).
32 ME Rev Stat § 6153 (2021)
2021 Maine Revised Statutes|TITLE 32: PROFESSIONS AND OCCUPATIONS|Chapter 80: MONEY TRANSMITTERS AND CHECK CASHERS|Subchapter 3: CASH-DISPENSING MACHINES ESTABLISHED BY NONBANKS|32 §6153. Registration

 §6153. Registration 1.  Initial operation; notice.  Prior to the date of the initial operation of any cash-dispensing machine, the operator shall provide the following information to the administrator for the purpose of registering the cash-dispensing machine:   A. An initial notice that includes:   (1) The operator's name, address and telephone number;   (2) The name and address of where the cash-dispensing machine is to be located;   (3) The anticipated date of the initial operation of the cash-dispensing machine;   (4) The types of transactions available;   (5) The processor's name, address and telephone number;   (6) The servicing agent's name, address and telephone number;   (7) The name, title, address and telephone number of the person completing the notice; and   (8) Any other information required by the administrator; and   [PL 1999, c. 229, §2 (NEW).]B. A registration fee of $50 for the first cash-dispensing machine location and $25 for each additional location, payable to the Treasurer of State.   [PL 1999, c. 229, §2 (NEW).][PL 1999, c. 229, §2 (NEW).] 2.  Annual notice; fee.  After filing an initial notice, as required by subsection 1, the operator shall provide annually, no later than January 31st, to the administrator a notice and registration fee in accordance with subsection 1, paragraphs A and B.   [PL 1999, c. 229, §2 (NEW).] 3.  Notification of change.  The operator shall promptly notify the administrator in writing:   A. Of any changes to the information required under subsection 1, paragraph A; or   [PL 1999, c. 229, §2 (NEW).]B. If the operation of the cash-dispensing machine is terminated.   [PL 1999, c. 229, §2 (NEW).][PL 1999, c. 229, §2 (NEW).] 4.  Verification.  The administrator may, at any time, verify the completeness and accuracy of any required notice under this section.   [PL 1999, c. 229, §2 (NEW).] 5.  Violation; inadequate documentation.  The operator is in violation of this section if the operator fails to promptly provide adequate documentation to and upon request of the administrator or if the documentation is determined to be incomplete or inaccurate. The administrator shall inform the operator of any such failure or discrepancy under this subsection and shall inform the operator of the penalty established in accordance with subsection 6.   [PL 1999, c. 229, §2 (NEW).] 6.  Fine.  The administrator may impose a fine of $5 per day on any person failing to comply with the requirements of this section.   [PL 1999, c. 229, §2 (NEW).] SECTION HISTORY PL 1999, c. 229, §2 (NEW).