reglab/housing_qa huggingface dataset:
FL Stat § 687.12 (2021)
2021 Florida Statutes|Title XXXIX - Commercial Relations|Chapter 687 - Interest and Usury; Lending Practices|687.12 - Interest Rates; Parity Among Licensed Lenders or Creditors.

687.12 Interest rates; parity among licensed lenders or creditors.—(1) Any lender or creditor licensed or chartered under chapter 516, chapter 520, chapter 657, chapter 658 or former chapter 659, former chapter 664 or former chapter 656, chapter 665, or part XV of chapter 627; any lender or creditor located in this state and licensed or chartered under the laws of the United States and authorized to conduct a lending business; or any lender or creditor lending through a licensee under part III of chapter 494, is authorized to charge interest on loans or extensions of credit to any person as defined in s. 1.01, or to any firm or corporation, at the maximum rate of interest permitted by law to be charged on similar loans or extensions of credit made by any lender or creditor in this state, except that the statutes governing the maximum permissible interest rate on any loan or extension of credit, and other statutory restrictions relating thereto, also govern the amount, term, permissible charges, rebate requirements, and restrictions for a similar loan or extension of credit made by any lender or creditor.(2) This section shall be construed to permit any lender or creditor which is otherwise authorized to make a particular loan or extension of credit to charge interest at a rate permitted to be charged by other lenders or creditors on similar loans or extensions of credit, but shall not be construed to grant any lender or creditor the power or authority to make any particular type of loan or extension of credit which it is not otherwise authorized to make. For purposes of this section, direct loans for the purchase of goods or services, and extensions of credit for the acquisition of goods or services by the seller or provider thereof, shall be deemed to be similar loans or extensions of credit.(3) In making loans or extensions of credit, lenders or creditors shall be subject only to the licenses, examinations, regulations, documents, procedures, and disclosures required by the respective laws under which each lender or creditor is licensed or organized, and not to those required by laws governing other lenders or creditors.(4) In making loans or extensions of credit at a rate of interest that, but for this section, would not be authorized, lenders or creditors shall indicate on the promissory note or other instrument evidencing the loan or extension of credit the specific chapter of the Florida Statutes authorizing the interest rate charged.History.—s. 1, ch. 77-371; s. 259, ch. 79-400; s. 474, ch. 81-259; s. 60, ch. 91-245; s. 206, ch. 92-303; s. 69, ch. 2009-241.
FL Stat § 687.125 (2021)
2021 Florida Statutes|Title XXXIX - Commercial Relations|Chapter 687 - Interest and Usury; Lending Practices|687.125 - Compounding of Interest.

687.125 Compounding of interest.—Interest or finance charges on any loan or extension of credit secured by a mortgage which contains a provision for the compounding of interest may be compounded provided the total amount of interest received by the lender as a result of such compounding, including interest upon interest, produces an effective yield which does not exceed any interest rate limitation imposed by applicable law.History.—s. 47, ch. 82-214.
FL Stat § 687.13 (2021)
2021 Florida Statutes|Title XXXIX - Commercial Relations|Chapter 687 - Interest and Usury; Lending Practices|687.13 - International Transactions.

687.13 International transactions.—(1) The provisions of this chapter, other than s. 687.071, shall not apply to any loan made by any international bank agency or any bank, including an Edge Act corporation, organized under the laws of the United States or this state to borrowers who are neither residents nor citizens of the United States if such loan is clearly related to, and usual in, international or foreign business.(2) The provisions of this chapter shall not apply to any international banking facility “deposit,” “borrowing,” or “extension of credit,” as those terms are defined by the commission pursuant to s. 655.071.History.—s. 1, ch. 79-138; s. 10, ch. 81-179; s. 1872, ch. 2003-261.
FL Stat § 687.14 (2021)
2021 Florida Statutes|Title XXXIX - Commercial Relations|Chapter 687 - Interest and Usury; Lending Practices|687.14 - Definitions.

687.14 Definitions.—As used in this act, unless the context otherwise requires:(1) “Advance fee” means any consideration which is assessed or collected, prior to the closing of a loan, by a loan broker.(2) “Borrower” means a person obtaining or desiring to obtain a loan of money, a credit card, or a line of credit.(3) “Commission” means the Financial Services Commission.(4) “Loan broker” means any person, except any bank or savings and loan association, trust company, building and loan association, credit union, consumer finance company, retail installment sales company, securities broker-dealer, real estate broker or sales associate, attorney, federal Housing Administration or United States Department of Veterans Affairs approved lender, credit card company, installment loan licensee, mortgage broker or lender, or insurance company, provided that the person excepted is licensed by and subject to regulation or supervision of any agency of the United States or this state and is acting within the scope of the license; and also excepting subsidiaries of licensed or chartered consumer finance companies, banks, or savings and loan associations; who:(a) For or in expectation of consideration arranges or attempts to arrange or offers to fund a loan of money, a credit card, or a line of credit;(b) For or in expectation of consideration assists or advises a borrower in obtaining or attempting to obtain a loan of money, a credit card, a line of credit, or related guarantee, enhancement, or collateral of any kind or nature;(c) Acts for or on behalf of a loan broker for the purpose of soliciting borrowers; or(d) Holds herself or himself out as a loan broker.(5) “Principal” means any officer, director, partner, joint venturer, branch manager, or other person with similar managerial or supervisory responsibilities for a loan broker.(6) “Office” means the Office of Financial Regulation of the commission.History.—s. 1, ch. 91-87; s. 35, ch. 93-268; s. 748, ch. 97-102; s. 57, ch. 2003-164; s. 1873, ch. 2003-261.
FL Stat § 687.141 (2021)
2021 Florida Statutes|Title XXXIX - Commercial Relations|Chapter 687 - Interest and Usury; Lending Practices|687.141 - Loan Brokers; Prohibited Acts.

687.141 Loan brokers; prohibited acts.—No loan broker shall:(1) Assess or collect an advance fee from a borrower to provide services as a loan broker.(2) Make or use any false or misleading representations or omit any material fact in the offer or sale of the services of a loan broker or engage, directly or indirectly, in any act that operates or would operate as fraud or deception upon any person in connection with the offer or sale of the services of a loan broker, notwithstanding the absence of reliance by the buyer.(3) Make or use any false or deceptive representation in its business dealings or to the office or conceal a material fact from the office.History.—s. 2, ch. 91-87; s. 1874, ch. 2003-261.
FL Stat § 687.142 (2021)
2021 Florida Statutes|Title XXXIX - Commercial Relations|Chapter 687 - Interest and Usury; Lending Practices|687.142 - Responsibility of Principals.

687.142 Responsibility of principals.—Each principal of a loan broker may be sanctioned for the actions of the loan broker, including its agents or employees, in the course of business of the loan broker.History.—s. 3, ch. 91-87.
FL Stat § 687.143 (2021)
2021 Florida Statutes|Title XXXIX - Commercial Relations|Chapter 687 - Interest and Usury; Lending Practices|687.143 - Loan Brokers; Investigations; Cease and Desist Orders; Administrative Fines.

687.143 Loan brokers; investigations; cease and desist orders; administrative fines.—(1) The office may investigate the actions of any person for compliance with this act.(2) The office may order a loan broker to cease and desist whenever the office determines that the loan broker has violated or is violating or will violate any provision of this act, any rule of the commission, order of the office, or written agreement entered into with the office.(3) The office may impose and collect an administrative fine against any person found to have violated any provision of this act, any rule of the commission, order of the office, or written agreement entered into with the office in any amount not to exceed $5,000 for each such violation. All fines collected hereunder shall be deposited in the Bureau of Financial Investigations Administrative Trust Fund.History.—s. 4, ch. 91-87; s. 3, ch. 97-60; s. 1875, ch. 2003-261.
FL Stat § 687.145 (2021)
2021 Florida Statutes|Title XXXIX - Commercial Relations|Chapter 687 - Interest and Usury; Lending Practices|687.145 - Injunction to Restrain Violations.

687.145 Injunction to restrain violations.—(1) Whenever the office determines, from evidence satisfactory to it, that any person has engaged, is engaged, or is about to engage in an act or practice constituting a violation of this act or a rule or order promulgated thereunder, the office may bring action in the name and on behalf of the state against such person and any other person concerned in or in any way participating in or about to participate in such practice or engaging therein or doing any act or acts in furtherance thereof or in violation of this act to enjoin the person or persons from continuing the violation or acts in furtherance thereof. In such court proceedings, the office may apply for and on due showing be entitled to have issued, the court’s subpoena requiring the appearance of any defendant and his or her employees or agents, and the production of documents, books, and records that may appear necessary for the hearing of such petition, to testify or give evidence concerning the acts or conduct or things complained of in such application for injunction.(2) In addition to all other means provided by law for the enforcement of any temporary restraining order, temporary injunction, or permanent injunction issued in such court proceedings, the court shall have the power and jurisdiction, upon application of the office, to impound and to appoint a receiver or administrator for the property, assets, and business of the defendant, including, but not limited to, the books, records, documents, and papers appertaining thereto. Such receiver or administrator, when appointed and qualified, shall have all powers and duties as to custody, collection, administration, winding up, and liquidation of said property and business as shall from time to time be conferred upon him or her by the court. In such action, the court may issue orders and decrees staying all pending suits and enjoining any further suits affecting the receiver’s or administrator’s custody or possession of the said property, assets, and business or, in its discretion, may, with the consent of the presiding judge of the circuit, require that all such suits be assigned to the circuit court judge appointing the said receiver or administrator.(3) In addition to any other remedies provided by this act, the office may apply to the court hearing this matter for an order of restitution whereby the defendants in such action shall be ordered to make restitution of those sums shown by the office to have been obtained by them in violation of any of the provisions of this act. Such restitution shall, at the option of the court, be payable to the administrator or receiver appointed pursuant to this section or directly to the persons whose assets were obtained in violation of this act.History.—s. 6, ch. 91-87; s. 749, ch. 97-102; s. 1877, ch. 2003-261.
FL Stat § 687.146 (2021)
2021 Florida Statutes|Title XXXIX - Commercial Relations|Chapter 687 - Interest and Usury; Lending Practices|687.146 - Criminal Penalties.

687.146 Criminal penalties.—Whoever violates any provision of this act commits a felony of the third degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084.History.—s. 7, ch. 91-87.
FL Stat § 687.147 (2021)
2021 Florida Statutes|Title XXXIX - Commercial Relations|Chapter 687 - Interest and Usury; Lending Practices|687.147 - Actions for Damages.

687.147 Actions for damages.—(1) Any borrower injured by a violation of this act may bring an action for recovery of damages. Judgment shall be entered for actual damages, but in no case less than the amount paid by the borrower to the loan broker, plus reasonable attorney’s fees and costs. An award may also be entered for punitive damages.(2) Any borrower injured by a violation of this act may bring an action against the surety bond or trust account, if any, of the loan broker.(3) The remedies provided under this act are in addition to any other procedures or remedies for any violation or conduct provided for in any other law.History.—s. 8, ch. 91-87.
FL Stat § 687.148 (2021)
2021 Florida Statutes|Title XXXIX - Commercial Relations|Chapter 687 - Interest and Usury; Lending Practices|687.148 - Duties and Powers of the Commission and Office.

687.148 Duties and powers of the commission and office.—(1) The office is responsible for the administration and enforcement of this act.(2) The commission may adopt such rules as it may deem necessary in the administration of this act and not inconsistent therewith.History.—s. 9, ch. 91-87; s. 1878, ch. 2003-261.
FL Stat § 688.001 (2021)
2021 Florida Statutes|Title XXXIX - Commercial Relations|Chapter 688 - Uniform Trade Secrets Act|688.001 - Short Title.

688.001 Short title.—Sections 688.001-688.009 may be cited as the “Uniform Trade Secrets Act.”History.—s. 1, ch. 88-254.
FL Stat § 688.002 (2021)
2021 Florida Statutes|Title XXXIX - Commercial Relations|Chapter 688 - Uniform Trade Secrets Act|688.002 - Definitions.

688.002 Definitions.—As used in ss. 688.001-688.009, unless the context requires otherwise:(1) “Improper means” includes theft, bribery, misrepresentation, breach or inducement of a breach of a duty to maintain secrecy, or espionage through electronic or other means.(2) “Misappropriation” means:(a) Acquisition of a trade secret of another by a person who knows or has reason to know that the trade secret was acquired by improper means; or(b) Disclosure or use of a trade secret of another without express or implied consent by a person who:1. Used improper means to acquire knowledge of the trade secret; or2. At the time of disclosure or use, knew or had reason to know that her or his knowledge of the trade secret was:a. Derived from or through a person who had utilized improper means to acquire it;b. Acquired under circumstances giving rise to a duty to maintain its secrecy or limit its use; orc. Derived from or through a person who owed a duty to the person seeking relief to maintain its secrecy or limit its use; or3. Before a material change of her or his position, knew or had reason to know that it was a trade secret and that knowledge of it had been acquired by accident or mistake.(3) “Person” means a natural person, corporation, business trust, estate, trust, partnership, association, joint venture, government, governmental subdivision or agency, or any other legal or commercial entity.(4) “Trade secret” means information, including a formula, pattern, compilation, program, device, method, technique, or process that:(a) Derives independent economic value, actual or potential, from not being generally known to, and not being readily ascertainable by proper means by, other persons who can obtain economic value from its disclosure or use; and(b) Is the subject of efforts that are reasonable under the circumstances to maintain its secrecy.History.—s. 2, ch. 88-254; s. 750, ch. 97-102.
FL Stat § 688.003 (2021)
2021 Florida Statutes|Title XXXIX - Commercial Relations|Chapter 688 - Uniform Trade Secrets Act|688.003 - Injunctive Relief.

688.003 Injunctive relief.—(1) Actual or threatened misappropriation may be enjoined. Upon application to the court, an injunction shall be terminated when the trade secret has ceased to exist, but the injunction may be continued for an additional reasonable period of time in order to eliminate commercial advantage that otherwise would be derived from the misappropriation.(2) In exceptional circumstances, an injunction may condition future use upon payment of a reasonable royalty for no longer than the period of time for which use could have been prohibited. Exceptional circumstances include, but are not limited to, a material and prejudicial change of position prior to acquiring knowledge or reason to know of misappropriation that renders a prohibitive injunction inequitable.(3) In appropriate circumstances, affirmative acts to protect a trade secret may be compelled by court order.History.—s. 3, ch. 88-254.
FL Stat § 688.004 (2021)
2021 Florida Statutes|Title XXXIX - Commercial Relations|Chapter 688 - Uniform Trade Secrets Act|688.004 - Damages.

688.004 Damages.—(1) Except to the extent that a material and prejudicial change of position prior to acquiring knowledge or reason to know of misappropriation renders a monetary recovery inequitable, a complainant is entitled to recover damages for misappropriation. Damages can include both the actual loss caused by misappropriation and the unjust enrichment caused by misappropriation that is not taken into account in computing actual loss. In lieu of damages measured by any other methods, the damages caused by misappropriation may be measured by imposition of liability for a reasonable royalty for a misappropriator’s unauthorized disclosure or use of a trade secret.(2) If willful and malicious misappropriation exists, the court may award exemplary damages in an amount not exceeding twice any award made under subsection (1).History.—s. 4, ch. 88-254.
FL Stat § 688.005 (2021)
2021 Florida Statutes|Title XXXIX - Commercial Relations|Chapter 688 - Uniform Trade Secrets Act|688.005 - Attorney’s Fees.

688.005 Attorney’s fees.—If a claim of misappropriation is made in bad faith, a motion to terminate an injunction is made or resisted in bad faith, or willful and malicious misappropriation exists, the court may award reasonable attorney’s fees to the prevailing party.History.—s. 5, ch. 88-254.
FL Stat § 688.006 (2021)
2021 Florida Statutes|Title XXXIX - Commercial Relations|Chapter 688 - Uniform Trade Secrets Act|688.006 - Preservation of Secrecy.

688.006 Preservation of secrecy.—In an action under ss. 688.001-688.009, a court shall preserve the secrecy of an alleged trade secret by reasonable means, which may include granting protective orders in connection with discovery proceedings, holding in camera hearings, sealing the records of the action, and ordering any person involved in the litigation not to disclose an alleged trade secret without prior court approval.History.—s. 6, ch. 88-254.
FL Stat § 688.007 (2021)
2021 Florida Statutes|Title XXXIX - Commercial Relations|Chapter 688 - Uniform Trade Secrets Act|688.007 - Statute of Limitations.

688.007 Statute of limitations.—An action for misappropriation must be brought within 3 years after the misappropriation is discovered or by the exercise of reasonable diligence should have been discovered. For the purposes of this section, a continuing misappropriation constitutes a single claim.History.—s. 7, ch. 88-254.
FL Stat § 688.008 (2021)
2021 Florida Statutes|Title XXXIX - Commercial Relations|Chapter 688 - Uniform Trade Secrets Act|688.008 - Effect on Other Law.

688.008 Effect on other law.—(1) Except as provided in subsection (2), ss. 688.001-688.009 displace conflicting tort, restitutory, and other law of this state providing civil remedies for misappropriation of a trade secret.(2) This act does not affect:(a) Contractual remedies, whether or not based upon misappropriation of a trade secret;(b) Other civil remedies that are not based upon misappropriation of a trade secret; or(c) Criminal remedies, whether or not based upon misappropriation of a trade secret.History.—s. 8, ch. 88-254; s. 20, ch. 91-110.
FL Stat § 688.009 (2021)
2021 Florida Statutes|Title XXXIX - Commercial Relations|Chapter 688 - Uniform Trade Secrets Act|688.009 - Uniformity of Application and Construction.

688.009 Uniformity of application and construction.—Sections 688.001-688.009 shall be applied and construed to effectuate its general purpose to make uniform the law with respect to the subject of this act among states enacting it.History.—s. 9, ch. 88-254.
FL Stat § 689.01 (2021)
2021 Florida Statutes|Title XL - Real and Personal Property|Chapter 689 - Conveyances of Land and Declarations of Trust|689.01 - How Real Estate Conveyed.

689.01 How real estate conveyed.—(1) No estate or interest of freehold, or for a term of more than 1 year, or any uncertain interest of, in, or out of any messuages, lands, tenements, or hereditaments shall be created, made, granted, transferred, or released in any manner other than by instrument in writing, signed in the presence of two subscribing witnesses by the party creating, making, granting, conveying, transferring, or releasing such estate, interest, or term of more than 1 year, or by the party’s lawfully authorized agent, unless by will and testament, or other testamentary appointment, duly made according to law; and no estate or interest, either of freehold, or of term of more than 1 year, or any uncertain interest of, in, to, or out of any messuages, lands, tenements, or hereditaments, shall be assigned or surrendered unless it be by instrument signed in the presence of two subscribing witnesses by the party so assigning or surrendering, or by the party’s lawfully authorized agent, or by the act and operation of law; provided, however, that no subscribing witnesses shall be required for a lease of real property or any such instrument pertaining to a lease of real property. No seal shall be necessary to give validity to any instrument executed in conformity with this section. Corporations may execute any and all conveyances in accordance with the provisions of this section or ss. 692.01 and 692.02.(2) For purposes of this chapter:(a) Any requirement that an instrument be signed in the presence of two subscribing witnesses may be satisfied by witnesses being present and electronically signing by means of audio-video communication technology, as defined in s. 117.201.(b) The act of witnessing an electronic signature is satisfied if a witness is in the physical presence of the principal or present through audio-video communication technology at the time the principal affixes his or her electronic signature and the witness hears the principal make a statement acknowledging that the principal has signed the electronic record.(c) The terms used in this subsection have the same meanings as the terms defined in s. 117.201.(3) All acts of witnessing made or taken in the manner described in subsection (2) are validated and, upon recording, may not be denied to have provided constructive notice based on any alleged failure to have strictly complied with this section or the laws governing notarization of instruments, including online notarization. This subsection does not preclude a challenge to the validity or enforceability of an instrument or electronic record based upon fraud, forgery, impersonation, duress, incapacity, undue influence, minority, illegality, unconscionability, or any other basis not related to the act of witnessing.History.—s. 1, Nov. 15, 1828; RS 1950; GS 2448; RGS 3787; CGL 5660; s. 4, ch. 20954, 1941; s. 751, ch. 97-102; s. 2, ch. 2008-35; s. 21, ch. 2019-71; s. 1, ch. 2020-102.