reglab/housing_qa huggingface dataset:
HI Rev Stat § 474-4 (2021)
2021 Hawaii Revised Statutes|Title 25A. General Business Provisions|474. Business Action Center|474-4 Cooperation from state agencies.

 §474-4 Cooperation from state agencies. (a) The director may request and shall be entitled to receive from any state agency, such assistance, services, facilities, and data the director deems necessary to carry out the duties of the center.  (b) Each state agency with permit or license issuance functions covered under this chapter shall cooperate with the center by designating a staff person to coordinate the agency's efforts to provide information to the center on its permit or license process and, to the extent possible, by providing a prompt response to requests for expediting permit or license applications or for information.  (c) The director shall be entitled to obtain personnel on a loaned basis from those agencies that issue permits or licenses to businesses, including but not limited to the department of business, economic development, and tourism, department of taxation, and department of labor and industrial relations. The director may assign these loaned personnel to the center. [L 2005, c 62, pt of §2]
HI Rev Stat § 474-5 (2021)
2021 Hawaii Revised Statutes|Title 25A. General Business Provisions|474. Business Action Center|474-5 Comprehensive permit and license information file.

 §474-5 Comprehensive permit and license information file. (a) Each state agency that is required to review, approve, or grant permits or licenses for business activities shall report to the center on a form prescribed by the center, each and every type of review, approval, license, and permit administered by that agency. Application forms, applicable agency rules, and the estimated time period necessary for application consideration based on experience and statutory or administrative rule requirements shall accompany each state agency report.  (b) Subsequent to the filing of the report, the state agency shall submit reports to the center on any new requirement or modifications to existing requirements together with applicable forms, rules, and other information required to be filed in the initial report. Upon receipt of those reports, the center shall establish and maintain a comprehensive information file that provides ready access to the most current information provided by the state agencies. [L 2005, c 62, pt of §2]
HI Rev Stat § 474-6 (2021)
2021 Hawaii Revised Statutes|Title 25A. General Business Provisions|474. Business Action Center|474-6 Immunity from liability.

 §474-6 Immunity from liability. The opinions offered and the services rendered by the center under this chapter shall be considered facilitative in nature and the center shall not be liable for any consequences resulting from an applicant's failure to obtain a required permit or license. Any information provided by the center or any omission of information by the center shall not relieve any applicant from, or constitute a waiver of, the obligation to secure a required permit or license. [L 2005, c 62, pt of §2]
HI Rev Stat § 474-7 (2021)
2021 Hawaii Revised Statutes|Title 25A. General Business Provisions|474. Business Action Center|474-7 Compilation of statistical data; annual report.

 §474-7 Compilation of statistical data; annual report. (a) The center shall obtain and keep, on an annual basis, appropriate statistical data regarding:  (1) The number of permits, licenses, and registrations issued by state agencies;  (2) The amount of time involved in processing the permits, licenses, and registrations;  (3) The types of activities for which permits and licenses have been issued;  (4) A geographic distribution of the permits and licenses issued; and  (5) Other pertinent data the director deems necessary for analysis for future planning purposes.  (b) The department shall submit an annual report to the governor and the legislature that shall include a description of the operations of the center, summaries and analyses of statistical data compiled, and recommendations for any administrative or statutory changes required to further the purposes of this chapter. [L 2005, c 62, pt of §2]
HI Rev Stat § 476-2 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|476. Credit Sales|476-2 Application when inconsistent with federal provisions or regulations.

  §476-2 Application when inconsistent with federal provisions or regulations. No contract, memorandum, or advertisement shall be required by this chapter to contain any disclosure which is inconsistent with the requirements of the federal Truth in Lending Act. [L 1969, c 126, §3; am L 1974, c 41, §1; am L 1975, c 59, §1; am and ren L 1984, c 86, pt of §1] Law Journals and Reviews  For discussion of federal requirements, see A Summary of the Consumer Credit Protection Act with Special Emphasis on Truth-In-Lending and Regulation Z. 6 HBJ 101.
HI Rev Stat § 476-4 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|476. Credit Sales|476-4 Specific requirements of credit sale contracts.

  §476-4 Specific requirements of credit sale contracts. (a) Every credit sale contract which provides for the extension of open-end credit primarily for a personal, family, or household purpose shall disclose the annual percentage rate of the finance charge to be imposed under the contract, the circumstances under which the finance charge will be imposed, and an explanation of how the finance charge will be determined.  (b) Every credit sale contract which provides for the extension of closed-end credit primarily for a personal, family, or household purpose shall disclose the following items as applicable:  (1) The amount financed, which is the principal balance less any prepaid finance charge;  (2) A written itemization of the amount financed, or a statement that the buyer has the right to receive a written itemization of the amount financed, together with space for the buyer to indicate whether it is desired;  (3) The finance charge;  (4) The total of payments; and  (5) The total sale price.  Additional items may be included in the contract to explain the calculations involved in determining the stated total of payments to be paid by the buyer.  (c) Every credit sale contract which complies with the disclosure requirements of the federal Truth in Lending Act as of the date upon which the contract is executed shall be deemed to comply with the disclosure provisions of this section. [L 1961, c 102, pt of §1; Supp, §201A-3; HRS §476-3; am and ren L 1984, c 86, pt of §1] Revision Note  In subsection (c), "this section" substituted for "section 476-3".
HI Rev Stat § 476-5 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|476. Credit Sales|476-5 Balloon payments.

  §476-5 Balloon payments. With respect to any sale of goods, services, or both, purchased primarily for a personal, family, or household purpose, which is subject to this chapter, if any scheduled payment is more than twice as large as the average of earlier scheduled payments, the buyer has the right to refinance the amount of that payment at the time it is due without penalty. If the principal balance of the original contract is less than $10,000, and the finance charge either is stated as a dollar amount and added on or deducted in advance or is computed at a fixed rate, all the terms of the refinancing shall be no less favorable to the buyer than the terms of the original sale, except that the payment schedule may be modified so as to effect the amortization of the total amount refinanced over the period for which it is refinanced, which shall not be less than the term of the original contract, or that no scheduled payment required upon refinancing shall be greater than the amount of the average scheduled payment required by the original contract. These provisions do not apply to the extent that the payment schedule is adjusted to the seasonal or irregular income of the buyer. [L 1970, c 54, §2; am L 1981, c 20, §1; am and ren L 1984, c 86, pt of §1; am L 1985, c 157, §1] Cross References  Balloon payments, see §481C-3.
HI Rev Stat § 476-6 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|476. Credit Sales|476-6 Deferred payments, interest, etc.

  §476-6 Deferred payments, interest, etc. Any payment on account of the principal balance of a contract which is due on a particular date may be extended or deferred to a later date by mutual agreement, and, upon the amount of the principal balance payment so extended or deferred, a finance charge not exceeding that permitted by section 476-28 upon an original contract in the amount of the principal balance payment, for the actual period of the extension or deferment, may be charged and may be collected in advance at the commencement of the period of extension or deferment or thereafter; provided that the term and conditions of the extension or deferment, including the amount of the principal balance so extended or deferred, and the period of, and the charge for the extension or deferment, shall be set forth in writing and signed in duplicate by the buyer and the seller or holder of the contract, one copy of the same to be given to the buyer and the other copy to be inserted in or attached to the seller's or holder's counterpart of this contract. [L 1984, c 86, pt of §1]
HI Rev Stat § 476-7 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|476. Credit Sales|476-7 Contract copy to buyer; acknowledgment.

  §476-7 Contract copy to buyer; acknowledgment. (a) Upon the execution of the contract, a copy thereof, signed by the parties, shall be delivered immediately to the buyer; provided that if the contract is signed only by one party, and the signing thereof by the other is postponed, a copy thereof, as signed by the party, shall be delivered immediately to the buyer.  (b) Until a copy of the contract signed by the parties is delivered to the buyer, a buyer who has not received delivery of the goods has the right to cancel the contract and to receive immediate refund of all payments made and redelivery of all goods traded in to the seller on account of or in contemplation of the contract. This subsection shall not apply when merchandise has been specifically ordered or custom made to specifications of the purchaser and evidence of the order is provided by the seller.  (c) Any acknowledgment by the buyer of delivery of a copy of the contract, if contained in the contract, shall appear on the same page of the contract and above the notice above the buyer's signature and the words "CREDIT SALE CONTRACT" required by section 476-3. [L 1961, c 102, pt of §1; Supp, §201A-4; HRS §476-4; am and ren L 1984, c 86, pt of §1]
HI Rev Stat § 476-8 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|476. Credit Sales|476-8 Insurance provisions.

  §476-8 Insurance provisions.  (a) The amount, if any, charged for insurance shall not exceed the premiums chargeable in accordance with rate filings made with the state insurance commissioner under chapter 431 for similar insurance.  The seller or holder, if dual interest insurance on the goods is included in a credit sale contract and a separate charge is made therefor, shall within thirty days after execution of the credit sale contract send or cause to be sent to the buyer a policy or policies or certificate of insurance, written by an insurance company authorized to do business in this State, clearly setting forth the amount of the premium, the kind or kinds of insurance, and the scope of the coverage and all the terms, exceptions, limitations, restrictions, and conditions of the contract or contracts of insurance.  The buyer of goods under a credit sale contract may purchase any required insurance from an insurance producer of the buyer's own selection, and in an insurance company of the buyer's own selection authorized to do business in this State; provided that the seller or holder shall have the right for reasonable cause to disapprove of the insurance company selected by the buyer to underwrite the insurance.  (b) In any credit sale contract for the sale of a motor vehicle where insurance is contracted for as a part of the sale, and the insurance does not include public liability insurance for bodily injury and property damage, the contract shall contain, on the same page as the disclosures therein concerning insurance, a notice substantially similar to the following:  "THIS DOES NOT INCLUDE INSURANCE ON YOUR LIABILITY FOR BODILY INJURY OR PROPERTY DAMAGE. IT DOES NOT MEET THE REQUIREMENTS FOR PROOF OF FINANCIAL RESPONSIBILITY UNDER HAWAII LAW."  (c) If any insurance policy or certificate is canceled, the unearned insurance premium refund received by the holder of the contract shall at the option of the holder either be credited to the final maturing installments of the credit sale contract or be paid to the buyer, except to the extent applied toward payment for similar insurance protecting the interests of the buyer and holder of the contract or either of them. [L 1961, c 102, pt of §1; Supp, §201A-5; am L 1967, c 285, §3; HRS §476-6; am and ren L 1984, c 86, pt of §1; gen ch 1985; am L 2003, c 212, §129; am L 2008, c 19, §2] Cross References  Proof of financial responsibility, see chapter 287.
HI Rev Stat § 476-9 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|476. Credit Sales|476-9 Late charges; court costs; attorney's fees.

  §476-9 Late charges; court costs; attorney's fees. The holder of a credit sale contract, including any financial services loan company, may, if the contract so provides, collect a late charge on each installment in default for a period not less than ten days in an amount not in excess of $50 or five per cent of each delinquent installment, or portion thereof which remains unpaid on the due date agreed upon in the contract whichever is less, and the late charge shall not be assessed more than once for the same delinquent installment. The seller or other holder shall give the buyer written notice of the assessment of the late charges prior to the due date of the next contractual payment. No late charges shall be assessed after the acceleration of the maturity of the contract. In addition to the late charge, the contract may provide for the payment of costs of the action together with reasonable attorney's fees where the contract is referred for collection to an attorney or licensed collector who is not a salaried employee or officer of the holder of the contract. [L 1961, c 102, pt of §1; Supp, §201A-6; HRS §476-7; am and ren L 1984, c 86, pt of §1; am L 1989, c 266, §3]
HI Rev Stat § 476-10 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|476. Credit Sales|476-10 Blank spaces in contract; assignee without knowledge.

  §476-10 Blank spaces in contract; assignee without knowledge. (a) When a paper whose contents at the time of signing shows that it is intended to become a credit sale contract is signed while still incomplete in any necessary respect it cannot be enforced until completed, but when it is completed in accordance with authority given it is effective as completed. The burden of establishing that any completion is unauthorized is on the party so asserting. If the completion is unauthorized, and it changes the obligations of either the buyer or the seller in any respect, it is a material alteration.  (b) An alteration by the holder of a contract which is both fraudulent and material discharges the buyer unless the buyer assents or is precluded from asserting the defense. No other alteration discharges the buyer, and the contract may be enforced according to its original tenor, or as to incomplete contracts according to authority given.  (c) The buyer's written acknowledgment, conforming to the requirements of section 476-7, of delivery of a copy of a contract shall be a rebuttable presumption of such delivery and of compliance with this section in any action or proceeding by or against an assignee of the contract without knowledge to the contrary when the buyer purchases the contract. [L 1961, c 102, pt of §1; Supp, §201A-7; am L 1967, c 285, §4; HRS §476-8; am and ren L 1984, c 86, pt of §1; gen ch 1985]
HI Rev Stat § 476-11 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|476. Credit Sales|476-11 Catalog mail order sales.

  §476-11 Catalog mail order sales. Credit sales negotiated and entered into by mail without personal solicitation by a salesperson or other representative of the seller, and if seller's cash price and other terms are clearly set forth in a catalog, or other printed solicitation of business, which is generally available to the public, may be made as provided in this section. This chapter shall apply to such sales except that the seller shall not be required to deliver a copy of the contract to the buyer as provided in section 476-7, and if, when the proposed credit sale contract is received by the seller from the buyer, there are blank spaces to be filled in, the seller may insert in the appropriate blank spaces the amounts of money and other terms which are set forth in the seller's catalog which is then in effect; and in lieu of the copy of the contract provided for in section 476-7, the seller shall, within fifteen days from date of shipment of goods, furnish to the buyer a written statement of the items, inserted in such blank spaces. [L 1961, c 102, pt of §1; Supp, §201A-8; HRS §476-9; am and ren L 1984, c 86, pt of §1; gen ch 1993]
HI Rev Stat § 476-12 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|476. Credit Sales|476-12 Payment without notice of assignment.

  §476-12 Payment without notice of assignment. Unless the buyer has notice of actual assignment of a credit sale contract, payment thereunder made by the buyer to the last known holder of the contract shall be binding upon all subsequent holders or assignees. The notice may be given by first class mail to the address of the buyer as shown in the contract or to the last known address of the buyer. [L 1961, c 102, pt of §1; Supp, §201A-9; HRS §476-10; am and ren L 1984, c 86, pt of §1]
HI Rev Stat § 476-13 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|476. Credit Sales|476-13 Statement and receipt of payments.

  §476-13 Statement and receipt of payments. Upon written request from the buyer, the holder of a credit sale contract shall give or forward to the buyer a written statement of the dates and amounts of payments and the total amount unpaid under the contract. A buyer shall be given a written receipt for any payment when made in cash. [L 1961, c 102, pt of §1; Supp, §201A-10; HRS §476-11; am and ren L 1984, c 86, pt of §1]
HI Rev Stat § 476-14 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|476. Credit Sales|476-14 Acceleration of time payments.

  §476-14 Acceleration of time payments. No provision in a credit sale contract by which, in the absence of the buyer's default, the holder may, arbitrarily and without reasonable cause, accelerate the maturity of any part or all of the payments shall be enforceable. [L 1961, c 102, pt of §1; Supp, §201A-11; HRS §476-12; am and ren L 1984, c 86, pt of §1]
HI Rev Stat § 476-15 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|476. Credit Sales|476-15 Confession of judgment; power of attorney; wage assignment.

  §476-15 Confession of judgment; power of attorney; wage assignment. No provision in a credit sale contract for confession of judgment, power of attorney therefor, or wage assignment shall be enforceable in this State. [L 1961, c 102, pt of §1; Supp, §201A-12; am L 1967, c 285, §5; HRS §476-13; am and ren L 1984, c 86, pt of §1]
HI Rev Stat § 476-16 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|476. Credit Sales|476-16 Waiver of illegal act; collection.

  §476-16 Waiver of illegal act; collection. No provision in a credit sale contract by which the buyer waives any of the requirements of this chapter or any right of action against the seller or holder of the contract, or other person acting on the seller's or holder's behalf, for any illegal act committed in the collection of payments under the contract or in the repossession of the goods shall be enforceable. [L 1961, c 102, pt of §1; Supp, §201A-14; HRS §476-15; am and ren L 1984, c 86, pt of §1; gen ch 1985]
HI Rev Stat § 476-17 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|476. Credit Sales|476-17 Subsequent inclusion of other security.

  §476-17 Subsequent inclusion of other security. In a contract for a sale primarily for a personal, family, or household purpose, no provision for the subsequent inclusion of title to or a subsequent lien upon or a subsequent security interest in any goods, other than the goods which are the subject matter of or original security for the credit sale, or accessories thereto, or special or auxiliary equipment used in connection therewith, or in substitution, in whole or in part, for any thereof, as security for payment of the time sale price, shall be enforceable. [L 1961, c 102, pt of §1; Supp, §201A-15; HRS §476-16; am and ren L 1984, c 86, pt of §1]
HI Rev Stat § 476-18 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|476. Credit Sales|476-18 Appointment of agent; collection or repossession.

  §476-18 Appointment of agent; collection or repossession. No provision in a credit sale contract by which the buyer executes a power of attorney appointing the seller or holder of the contract, or other person acting on the buyer's behalf, as the buyer's agent in collection of payments under the contract or in the repossession of the goods shall be enforceable. [L 1961, c 102, pt of §1; Supp, §201A-16; HRS §476-17; am and ren L 1984, c 86, pt of §1]
HI Rev Stat § 476-19 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|476. Credit Sales|476-19 Preservation of buyer's rights; assignment.

  §476-19 Preservation of buyer's rights; assignment. (a) No contract shall contain any provision by which a buyer agrees not to assert against a seller a claim or defense arising out of the sale or agrees not to assert against an assignee such a claim or defense.  (b) No contract shall require or entail the execution of any note or series of notes by the buyer which when separately negotiated will cut off as to third parties any right of action or defense which the buyer may have against the seller.  (c) No rights of action or defense arising out of a credit sale which the buyer has against the seller shall be cut off by assignment; provided that any recovery thereon by the buyer shall not exceed amounts paid and to be paid by the buyer on the contract and may be set-off against such amount to be paid. If the buyer has a good cause of action or defense against the seller, the seller's assignee has recourse against the seller for any losses the assignee may incur as a result thereof.  (d) When an assignee asserts the assignee's rights against a buyer, the buyer may assert any available defense against the assignee as if the assignee were the seller. [L 1961, c 102, pt of §1; am L 1963, c 68, § §4, 5; Supp, §201A-17; am L 1967, c 285, §6; HRS §476-18; am and ren L 1984, c 86, pt of §1; am L 1992, c 178, §1]