reglab/housing_qa huggingface dataset:
NH Rev Stat § 399-G:6 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-G - Licensing of Money Transmitters|Section 399-G:6 - License Denial or Abandonment; Appeal.

    399-G:6 License Denial or Abandonment;  Appeal. –||I. If the commissioner determines that the applicant fails to meet the requirements of this chapter, the commissioner shall immediately, in writing, notify the applicant of that determination.||II. The commissioner may deny a license application if it is in the public interest and the applicant or the applicant's principal:||(a) Has filed an application for licensing which was incomplete in any material respect;||(b) Is the subject of an order entered within the past 5 years by this state, any other state, or federal regulator denying, suspending, or revoking a license or registration;||(c) Is permanently, preliminarily, or temporarily enjoined by any court of competent jurisdiction from engaging in or continuing any conduct or practice involving any aspect of lending or collection activities;||(d) Is not qualified on the basis of such factors as experience, knowledge, and financial integrity; or||(e) Should not be licensed for other good cause shown.||III. Applicants may appeal a license denial in accordance with RSA 541-A and rules of the commissioner adopted thereunder.||IV. Applicants may petition the banking department for a rehearing in accordance with RSA 541 if the decision in an appeal conducted pursuant to paragraph III affirms a denial of a license application.||V. The commissioner may deem abandoned and withdraw any application for licensure made pursuant to this chapter if the applicant fails to respond in writing within 180 calendar days to a written request from the commissioner requesting a response. Such request shall be sent via certified mail to the last known address of the applicant that is on file with the commissioner.||VI. No application for renewal shall be denied without reasonable cause and the right of appeal pursuant to RSA 541-A and RSA 541.|||Source. 2015, 258:1, eff. Jan. 1, 2016.|
NH Rev Stat § 399-G:7 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-G - Licensing of Money Transmitters|Section 399-G:7 - License Posting.

    399-G:7 License Posting. –||It shall be unlawful to engage in the business of money transmission without a conspicuously posted license in the licensee's principal office within this state or a conspicuously posted registration in each of the licensee's authorized delegate offices within this state.|||Source. 2015, 258:1, eff. Jan. 1, 2016.|
NH Rev Stat § 399-G:8 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-G - Licensing of Money Transmitters|Section 399-G:8 - License Surrender.

    399-G:8 License Surrender. –||I. A licensee who ceases to engage in the business of money transmission at any time during a license year for any cause shall surrender such principal license and authorized delegate registrations, if any, and within 15 calendar days of such cessation shall cause to be published in a newspaper of general circulation in the licensee's market area a notice to such effect, and shall file any required report pursuant to RSA 399-G:10. The commissioner may adopt rules, in accordance with RSA 541-A, relative to such notice and the process for surrender.||II. Surrender of a license shall not take effect until the commissioner deems the surrender process complete.||III. Failure to comply with the provisions of this section and rules adopted under this section shall be cause for denial of future license applications and the imposition of penalties under RSA 399-G:23.|||Source. 2015, 258:1, eff. Jan. 1, 2016. 2019, 36:44, eff. May 15, 2019. 2021, 194:12, eff. Oct. 9, 2021.|
NH Rev Stat § 399-G:11 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-G - Licensing of Money Transmitters|Section 399-G:11 - Record Keeping Requirements.

    399-G:11 Record Keeping Requirements. –||I. (a) The licensee shall maintain such records as will enable the department to determine whether the licensee's business is in compliance with the provisions of this chapter and the rules adopted pursuant to this chapter. Such records shall be maintained for a period of at least 5 years or longer if the commissioner prescribes a period by rule. Records shall be made available for examination at the licensee's principal office, or its authorized delegate location, or the office of its New Hampshire registered agent. Licensees may maintain electronic, photocopied, microfilm, or microfiche copies of original documents.||(b) A licensee may maintain its records in electronic format if, upon request, the licensee provides the commissioner with:||(1) A full explanation of the programming of any data storage or communications systems in use; and||(2) Information from any books, records, electronic data processing systems, computers, or any other information storage system in the form requested by the commissioner.||II. [Repealed.]||III. A licensee shall keep and use business records in such form and at such location as the commissioner may by rule determine. The licensee shall maintain such records to enable the commissioner to determine whether the licensee is complying with the provisions of this chapter, any rules the commissioner may adopt under it, and any other law or regulation applicable to the conduct of the business for which it is licensed under this chapter. The rules may contain provisions for records to be recorded, copied, or reproduced by any process which accurately reproduces or forms a durable medium for reproducing the original record or document, or in any other form or manner authorized by the commissioner. ||IV. If the commissioner or examiner finds any accounts or records to be inadequate, or kept or posted in a manner not in accordance with generally accepted accounting principles, the commissioner may employ experts to reconstruct, rewrite, post, or balance them at the expense of the person being examined if such person has failed to maintain, complete, or correct such records or accounting after the commissioner or examiner has given him or her written notice and a reasonable opportunity to do so.|||Source. 2015, 258:1, eff. Jan. 1, 2016. 2019, 36:47, 48, eff. May 15, 2019. 2021, 51:13, eff. July 24, 2021.|
NH Rev Stat § 399-G:12 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-G - Licensing of Money Transmitters|Section 399-G:12 - Consumer Inquiries.

    399-G:12 Consumer Inquiries. –||I. Consumer complaints naming licensees under this chapter, which are filed in writing with the office of the commissioner, shall be forwarded via electronic mail or certified or registered mail to the licensee for response within 10 days of receipt by the department. Licensees shall, within 10 days after receipt of such complaint, send a written acknowledgment thereof to the consumer and the department. Not later than 30 days following receipt of such complaint, the licensee shall conduct an investigation of the complaint and either:||(a) Make appropriate corrections in the account of the consumer and transmit to the consumer and the department written notification of such corrections, including documentary evidence thereof; or||(b) Transmit a written explanation or clarification to the consumer and the department which sets forth, to the extent applicable, the reasons why the licensee believes its actions are correct, including copies of documentary evidence thereof.||II. A licensee who fails to respond to consumer complaints as required by this section within the time prescribed shall pay to the commissioner a penalty of $50 for each day such response is overdue. For purposes of this section, the date of transmission shall be the date such response is received by the commissioner.||III. (a) Licensees which, because of extenuating circumstances beyond the control of the licensee, are unable to comply with the time frames prescribed in this section, may make written request to the commissioner for a waiver of such time frames. Waivers shall not be granted or considered unless the request for the waiver:||(1) Is received by the department within 20 days following the licensee's receipt of the complaint;||(2) Specifies the reason for the request; and||(3) Specifies a date certain by which the licensee shall comply with the provisions of this section.||(b) Requests for waivers shall be either granted or denied within 5 days of receipt by the department.|||Source. 2015, 258:1, eff. Jan. 1, 2016. 2018, 207:10, 11 eff. Aug. 7, 2018. 2021, 194:28, eff. Oct. 9, 2021.|
NH Rev Stat § 399-G:14 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-G - Licensing of Money Transmitters|Section 399-G:14 - Prohibitions.

    399-G:14 Prohibitions. –||I. It is unlawful for any person, in connection with the solicitation, offer, or transaction of money transmission, directly or indirectly:||(a) To employ any device, scheme, or artifice to defraud;||(b) To make any untrue statement of a material fact or to omit to state a material fact necessary in order to make the statements made, in light of the circumstances under which they are made, not misleading; or||(c) To engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person.||II. It is unlawful for any person to make or cause to be made in any document filed under this chapter or in any proceeding under this chapter:||(a) Any statement which is, at the time and in the light of the circumstances under which it is made, false or misleading in any material respect; or||(b) In connection with such statement, to omit to state a material fact necessary in order to make the statements made, in light of the circumstances under which they are made, not misleading.||III. It is unlawful to instruct, solicit, propose, or cause a person to sign another's signature on any document without legal authority.||IV. It is unlawful to solicit, accept, or execute any contract or other document related to any transaction that contains any blanks to be filled in after signing or initialing the contract or other document, except for forms authorizing the verification of application information or as otherwise expressly provided in this chapter.|||Source. 2015, 258:1, eff. Jan. 1, 2016. 2019, 36:49, eff. May 15, 2019.|
NH Rev Stat § 399-G:15 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-G - Licensing of Money Transmitters|Section 399-G:15 - Oversight of Authorized Delegates.

    399-G:15 Oversight of Authorized Delegates. –||Licensees shall implement a system of education, training, monitoring, and periodic inspection designed to inform their authorized delegates of their responsibilities, consistent with the Bank Secrecy Act and the requirements to file reports required by federal law. Licensees whose authorized delegates are not required to register independently with FinCEN shall ensure that such authorized delegates have adequate written policies and procedures in place to implement effective Bank Secrecy Act and anti-money laundering programs.|||Source. 2015, 258:1, eff. Jan. 1, 2016.|
NH Rev Stat § 399-G:16 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-G - Licensing of Money Transmitters|Section 399-G:16 - Net Worth Requirements.

    399-G:16 Net Worth Requirements. –||An applicant or licensee shall at all times maintain a net worth of the lesser of its average daily outstanding money transmissions for the prior calendar year or $1,000,000. Each licensee shall file a statement of net worth pursuant to RSA 399-G:10, II(e).|||Source. 2015, 258:1, eff. Jan. 1, 2016. 2019, 36:50, eff. May 15, 2019.|
NH Rev Stat § 399-G:17 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-G - Licensing of Money Transmitters|Section 399-G:17 - Money Laundering Reports and Federal Law Compliance.

    399-G:17 Money Laundering Reports and Federal Law Compliance. –||I. Licensees shall create, implement, and file with the commissioner written plans for compliance with federal laws, including but not limited to the Bank Secrecy Act of 1970 as amended, and regulations, 31 U.S.C. section 5313, 31 C.F.R. part 1010, and other federal and state laws pertaining to currency reporting, recordkeeping, suspicious activity reporting, and money laundering with regards to money transmission transactions in this state.||II. The timely filing with the appropriate federal agency of a complete and accurate report required by paragraph I complies with the requirements of this section, unless the commissioner notifies the licensee that reports of this type are not being regularly and comprehensively transmitted by the federal agency to the commissioner.|||Source. 2015, 258:1, eff. Jan. 1, 2016.|
NH Rev Stat § 399-G:18 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-G - Licensing of Money Transmitters|Section 399-G:18 - Advertising.

    399-G:18 Advertising. –||No person shall advertise, print, display, publish, distribute, or broadcast, or permit to be advertised, printed, displayed, published, distributed, or broadcast in any manner, any statement or representation with regard to the rates, terms, or conditions for money transmission under the provisions of this chapter which is false, misleading, or deceptive.|||Source. 2015, 258:1, eff. Jan. 1, 2016.|
NH Rev Stat § 399-G:19 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-G - Licensing of Money Transmitters|Section 399-G:19 - Transmission and Refunds.

    399-G:19 Transmission and Refunds. –||I. Money transmitters shall be liable to customers for the amount of the money or monetary value as well as any fees paid by the customer and received by the money transmitter, authorized delegate, or person acting on his or her behalf, if the monetary value fails to reach its intended recipient unless transmission to the recipient is prohibited by law.||II. If an intended recipient of a money transmission fails to accept or retrieve the monetary value transmitted, unless otherwise instructed by his or her customer, a licensee's responsibility to any person for a money transmission conducted on that person's behalf by the licensee's authorized delegate shall be limited to the amount of the monetary value transmitted.|||Source. 2015, 258:1, eff. Jan. 1, 2016.|
NH Rev Stat § 399-G:21 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-G - Licensing of Money Transmitters|Section 399-G:21 - Cease and Desist.

    399-G:21 Cease and Desist. –||I. The department may issue a cease and desist order against any person who it has reasonable cause to believe is in violation of the provisions of this chapter or any rule or order under this chapter.||II. (a) Delivery of such order shall be by hand or certified mail at the principal office of the person.||(b) The order shall be calculated to give reasonable notice of the rights of the person to request a hearing on the order and shall state the reasons for the entry of the order.||(c) A hearing shall be held not later than 10 days after the request for such hearing is received by the commissioner.||(d) Within 20 days of the date of the hearing the commissioner shall issue a further order vacating the cease and desist order or making it permanent. All hearings shall comply with RSA 541-A.||(e) If the person to whom a cease and desist order is issued fails to appear at the hearing after being duly notified, such person shall be deemed in default, and the proceeding may be determined against him or her upon consideration of the cease and desist order, the allegations of which may be deemed to be true.||(f) If the person to whom a cease and desist order is issued fails to request a hearing within 30 calendar days of receipt of such order, then such person shall likewise be deemed in default, and the order shall, on the thirty-first day, become permanent, and shall remain in full force and effect until and unless later modified or vacated by the commissioner, for good cause shown.||III. If any person refuses to obey the commissioner's order, an action may be brought by the attorney general on the commissioner's behalf in any superior court in this state to enjoin such person from engaging in or continuing such violation or from doing any act or acts in furtherance of such violation. In any such action, an order or judgment may be entered awarding a temporary or permanent injunction, and awarding the commissioner or the attorney general or both costs in bringing such action. The court shall have the power to enforce obedience to such injunction, in addition to all of the court's customary powers, by a fine not exceeding $10,000 or by imprisonment, or both.|||Source. 2015, 258:1, eff. Jan. 1, 2016.|
NH Rev Stat § 399-G:22 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-G - Licensing of Money Transmitters|Section 399-G:22 - Prosecution of Violations.

    399-G:22 Prosecution of Violations. –||I. Any person who willfully violates any provisions of RSA 399-G:14, or a cease and desist order or injunction issued pursuant to RSA 399-G:21 shall be guilty of a class B felony. Each of the acts specified shall constitute a separate offense and a prosecution or conviction for any one of such offenses shall not bar prosecution or conviction of any other offense.||II. Nothing within this chapter shall restrict the right of the attorney general to enforce the provisions of RSA 358-A:2, XIII, regarding the issuance and terms of stored value cards which are gift certificates as defined by RSA 358-A:1, IV-a.|||Source. 2015, 258:1, eff. Jan. 1, 2016.|
NH Rev Stat § 399-G:24 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-G - Licensing of Money Transmitters|Section 399-G:24 - Administration by Commissioner; Rulemaking.

    399-G:24 Administration by Commissioner;  Rulemaking. –||I. The commissioner shall administer and enforce the provisions of this chapter.||II. Pursuant to RSA 541-A, the commissioner may adopt such rules as he or she deems necessary to the administration and enforcement of this chapter. Such rules shall be consistent with the provisions of this chapter, and may include, but shall not be limited to, the following:||(a) The application form for licensees required under RSA 399-G:4.||(b) The form of license issued to licensees under RSA 399-G:5.||(c) Call reports required by RSA 399-G:10.||(d) Personal disclosure statements to meet the requirements of RSA 399-G:4.||(e) Fees to be charged to cover the reasonable costs of copying documents and producing reports.||III. The commissioner may prepare, alter, or withdraw such forms as are necessary to comply with the provisions of this title.||IV. The commissioner may issue, amend, or rescind such orders as are reasonably necessary to carry out the provisions of this chapter.||V. The commissioner may, for good cause shown, abate all or a portion of delinquency penalties assessed under this chapter.||VI. All actions taken by the commissioner pursuant to this chapter shall be taken only when the commissioner finds such action necessary or appropriate to the public interest or for the protection of consumers and consistent with the provisions of this chapter.||VII. In adopting rules, preparing forms, setting standards, and performing examinations, investigations, and other regulatory functions authorized by the provisions of this chapter, the commissioner may cooperate, and share information pursuant to confidentiality agreements, with regulators in this state and with regulators in other states and with federal regulators, in order to implement the policy of this chapter in an efficient and effective manner and to achieve maximum uniformity in the form and content of applications, reports, and requirements for money transmitters, where practicable.||VIII. The commissioner shall have the power to subpoena witnesses and administer oaths in any adjudicative proceeding and to compel, by subpoena duces tecum, the production of documents, papers, books, records, files, and other evidence, whether electronically stored or otherwise, before the commissioner in any matter over which the commissioner has jurisdiction, control, or supervision pertaining to the provisions of this chapter.||IX. The commissioner shall have the power to administer oaths and affirmation to any person whose testimony is required.||X. The commissioner shall have the authority to set fees to be charged to cover the reasonable costs of copying documents and producing reports.|||Source. 2015, 258:1, eff. Jan. 1, 2016. 2021, 194:14, eff. Oct. 9, 2021.|
NH Rev Stat § 399-G:25 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-G - Licensing of Money Transmitters|Section 399-G:25 - Repealed by 2016, 205:2, eff. Nov. 1, 2020.

    399-G:25 Repealed by 2016, 205:2, eff. Nov. 1, 2020. –|
NH Rev Stat § 400-A:1 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 400-A - Insurance Department|Section 400-A:1 - Department Continued.

    400-A:1 Department Continued. –||There is continued the department of state government known as the insurance department, which shall be an independent regulatory agency.|||Source. 1971, 244:1, eff. Aug. 17, 1971.|
NH Rev Stat § 400-A:2 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 400-A - Insurance Department|Section 400-A:2 - Construction.

    400-A:2 Construction. –||This title shall be liberally construed.|||Source. 1971, 244:1, eff. Aug. 17, 1971.|
NH Rev Stat § 400-A:3 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 400-A - Insurance Department|Section 400-A:3 - Insurance Commissioner; Appointment; Term.

    400-A:3 Insurance Commissioner;  Appointment;  Term. –||The head of the department shall be the insurance commissioner who is charged with the rights, powers, and duties pertaining to the enforcement and execution of the insurance laws of this state. The commissioner shall have all powers specifically granted to him or her or reasonably implied in order to enable him or her to perform the duties imposed by this title. The commissioner shall have such additional rights, powers, and duties as may be provided by other laws. The commissioner shall be appointed by the governor with advice and consent of the council. The commissioner shall hold office for 5 years. Vacancies in the office of the insurance commissioner shall be filled for the unexpired term of such office. The commissioner may be removed only as provided by RSA 4:1.|||Source. 1971, 244:1. 2007, 156:14, eff. Aug. 17, 2007.|
NH Rev Stat § 400-A:4 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 400-A - Insurance Department|Section 400-A:4 - Seal.

    400-A:4 Seal. –||The office shall have a seal which shall be like the seal of state, except the words, "Insurance Department, New Hampshire," shall be substituted for the words "Seal of the State of New Hampshire, 1776". The commissioner shall attach the seal of the office to all certificates and other similar official papers issued by him, and no further proof shall be required to authenticate the same when they are offered in evidence.|||Source. 1971, 244:1, eff. Aug. 17, 1971.|
NH Rev Stat § 400-A:5 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 400-A - Insurance Department|Section 400-A:5 - Office.

    400-A:5 Office. –||The commissioner shall be provided with an office in some suitable place in Concord.|||Source. 1971, 244:1, eff. Aug. 17, 1971.|