reglab/housing_qa huggingface dataset:
LA Rev Stat § 9:3337 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3337. Cancellation of insurance; refund or credit upon cancellation

RS 3337 - Cancellation of insurance; refund or credit upon cancellation  A. When a consumer lease is cancelled or terminated for any reason, any credit life or credit accident and health insurance paid by the lessee and provided, sold, or obtained through the lessor in connection therewith shall be cancelled. This provision shall not apply where the lessee requests that such insurance remain in force beyond the provision of this Section. B. When insurance paid by the lessee is cancelled or terminated for any reason, the refund for unearned insurance premiums received by the lessor shall, at the lessor's option, be applied towards payment of the premium for insurance to replace the coverage cancelled, adjusted, or terminated, or towards payment of any unpaid amounts then owing or to be owing in the future under the lease agreement. The order of applying these unearned premiums shall be inverse to the order in which rental payments under the lease agreement are payable according to their terms, beginning with rental payments due on the final due dates and not to the next ensuing rental payment or payments which shall remain payable as originally scheduled. The remaining balance of unearned insurance premiums shall be refunded to the lessee; however, no cash refund shall be required if the amount thereof is less than one dollar. Acts 1985, No. 592, §1, eff. July 13, 1985; Acts 1986, No. 213, §1.
LA Rev Stat § 9:3338 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3338. Gain from insurance

RS 3338 - Gain from insurance  Any gain, or advantage to the lessor, or any employee, officer, director, agent, general agent, affiliate or associate from such an insurance or its provisions or sale shall not be considered as a further charge nor a further interest rate or markup charge in violation of R.S. 9:3312(A) in connection with any consumer purpose financed lease made under this Chapter. Acts 1985, No. 592, §1, eff. July 13, 1985.
LA Rev Stat § 9:3339 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3339. Referrals

RS 3339 - Referrals  With respect to a consumer lease transaction, the lessor may not give or offer to give a rebate or discount or otherwise pay or offer to pay value to the lessee as an inducement for lease in consideration of his giving to the lessor the names of prospective purchasers or lessees, or otherwise aiding the lessor in making a sale or lease to another person, if the earning of the rebate, discount, or other value is contingent upon the person referred actually purchasing or leasing property from the lessor. Acts 1985, No. 592, §1, eff. July 13, 1985; Acts 1986, No. 213, §1.
LA Rev Stat § 9:3340 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3340. Unauthorized collection practices

RS 3340 - Unauthorized collection practices  The unauthorized collection practices provisions of R.S. 9:3562 shall apply to consumer lease transactions subject to this Chapter. Acts 1985, No. 592, §1, eff. July 13, 1985.
LA Rev Stat § 9:3341 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3341. Violations

RS 3341 - Violations  A. Unintentional violations of this Chapter by lessors shall be corrected within thirty days following receipt of written notice from the lessee or the attorney general advising of the violation. Each written notice shall specify violations of this Chapter alleged and shall be mailed, certified mail, postage prepaid, to the lessor's designated agent for service of process in this state. Any corrective action by the lessor shall include, but shall not be limited to appropriate revisions to the lease agreement and refunds of any charges in excess of those permitted under this Chapter. For purposes of this Section, unintentional violations shall include good faith errors of fact as well as of law. B. Intentional violations of this Chapter by lessors shall constitute an unfair or deceptive trade practice subject to R.S. 51:1401 through 1418. Failure to correct an unintentional violation under R.S. 9:3341(A) within thirty days following receipt of the appropriate written notice, shall constitute an intentional violation under this Subsection. Acts 1985, No. 592, §1, eff. July 13, 1985.
LA Rev Stat § 9:3351 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3351. Short title

RS 3351 - Short title  This Chapter shall be known as and may be cited as the "Louisiana Rental-Purchase Agreement Act". Acts 1991, No. 204, §1, eff. Jan. 1, 1992.
LA Rev Stat § 9:3352 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3352. Definitions

RS 3352 - Definitions  As used in this Chapter:  (1) "Advertisement" means a commercial message in any medium that aids, promotes, or assists, directly or indirectly, a rental-purchase agreement. (2) "Cash price" means the price at which the lessor would have sold the property to the consumer for cash on the date of the rental-purchase agreement. (3) "Consumer" means a natural person who rents personal property under a rental-purchase agreement to be used primarily for personal, family, or household purposes. (4) "Consummation" means the time when a consumer becomes contractually obligated on a rental-purchase agreement. (5) "Lessor" means a person who regularly provides the use of property through rental-purchase agreements and to whom rental payments are initially payable on the face of the rental-purchase agreement. (6) "Rental-purchase agreement" means an agreement for the use of personal property by a natural person primarily for personal, family, or household purposes for an initial period of four months or less, that is automatically renewable with each payment after the initial period, but that does not obligate or require the consumer to continue renting or using the property beyond the initial period, and that permits the consumer to become the owner of the property. Acts 1991, No. 204, §1, eff. Jan. 1, 1992.
LA Rev Stat § 9:3353 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3353. Inapplicability of other laws; exempted transactions

RS 3353 - Inapplicability of other laws; exempted transactions A. Rental-purchase agreements which comply with this Chapter shall not be governed by the laws relating to the following: (1) A consumer credit sale as defined in R.S. 9:3516(12) of the Louisiana Consumer Credit Law. (2) A consumer credit transaction as defined in R.S. 9:3516(13) of the Louisiana Consumer Credit Law. (3) A consumer loan as defined in R.S. 9:3516(14) of the Louisiana Consumer Credit Law. (4) A consumer lease as defined in R.S. 9:3306(9) of the Louisiana Lease of Movables Act. (5) A financed lease as defined in R.S. 9:3306(12) of the Louisiana Lease of Movables Act. (6) A true lease as defined in R.S. 9:3306(26) of the Louisiana Lease of Movables Act. (7) A conditional sale as defined in R.S. 9:3306(7) of the Louisiana Lease of Movables Act. (8) A lease intended for security as defined in R.S. 10:1-201(35) of the Louisiana Commercial Laws. B. This Chapter shall not apply to the following: (1) Rental-purchase agreements primarily for business, commercial, or agricultural purposes, or those made with governmental agencies or instrumentalities, or with organizations. (2) A lease of a safe deposit box. (3) A lease or bailment of personal property which is incidental to the lease of real property, and which provides that the consumer has no option to purchase the rented property. (4) A lease of an automobile, van, or truck of less than one ton. Acts 1991, No. 204, §1, eff. Jan. 1, 1992; Acts 2006, No. 533, §2.
LA Rev Stat § 9:3354 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3354. General requirements of disclosure

RS 3354 - General requirements of disclosure  A. The lessor shall disclose to the consumer the information required by this Chapter. In a transaction involving more than one lessor, only one lessor shall make the disclosures, but all lessors shall be bound by such disclosures. B. The disclosures shall be made at or before consummation of the rental-purchase agreement. C. The disclosures shall be made clearly and conspicuously in writing, and a copy of the rental-purchase agreement shall be provided to the consumer. The disclosures required under R.S. 9:3355 shall be made on the face of the contract above the line for the signature of the consumer. D. If a disclosure becomes inaccurate as the result of any act, occurrence, or agreement by the consumer after delivery of the required disclosures, the resulting inaccuracy shall not be a violation of this Chapter. Acts 1991, No. 204, §1, eff. Jan. 1, 1992.
LA Rev Stat § 9:3355 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3355. Disclosures

RS 3355 - Disclosures  For each rental-purchase agreement, the lessor shall disclose in the agreement the following items, as applicable:  (1) The total number, total amount, and timing of all payments necessary to acquire ownership of the property. (2) A statement that the consumer will not own the property until the consumer has made the total amount of payments necessary to acquire ownership. (3) A statement that the consumer is responsible for the fair market value of the property if and as of the time that it is lost, stolen, damaged, or destroyed. (4) A brief description of the rented property, sufficient to identify the property to the consumer and the lessor, including an identification number, if applicable, and a statement indicating whether the property is new or previously rented. However, a statement that indicates new property is previously rented shall not be a violation of this Chapter. (5) A statement of the cash price of the property. When the agreement involves two or more items as a set, in one agreement, a statement of the aggregate cash price of all items shall satisfy this requirement. (6) The total of initial payments paid or required at or before consummation of the agreement or delivery of the property, whichever is later. (7) A statement that the total of payments does not include other charges, such as late payment, default, pickup, and reinstatement fees, which charges shall be separately disclosed in the contract. (8) A statement clearly summarizing the terms of the option of the consumer to purchase, including a statement that the consumer has the right to exercise an early purchase option, and the price, formula, or method for determining the price at which the property may be so purchased. (9) A statement identifying the party responsible for maintaining or servicing the property while it is being rented, together with a description of that responsibility, and a statement that if any part of an express warranty of a manufacturer covers the rented property at the time that the consumer acquires ownership of the property, it shall be transferred to the consumer, if allowed by the terms of the warranty. (10) The date of the transaction and the identities of the lessor and consumer. (11) A statement that the consumer may terminate the agreement without penalty by voluntarily surrendering or returning the property in good repair upon expiration of any rental term along with any past due rental payments. (12) Notice of the right to reinstate an agreement as provided in R.S. 9:3357. Acts 1991, No. 204, §1, eff. Jan. 1, 1992.
LA Rev Stat § 9:3356 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3356. Prohibited practices

RS 3356 - Prohibited practices  A rental-purchase agreement shall not contain any of the following:  (1) A confession of judgment. (2) A negotiable instrument. (3) A security interest or any other claim of a property interest in any goods except those goods delivered by the lessor pursuant to the rental-purchase agreement. (4) A wage assignment. (5) A waiver by the consumer of claims or defenses. (6) A provision authorizing the lessor or a person acting on behalf of the lessor to enter upon the premises of the consumer without contemporaneous permission by the consumer, or to commit any breach of the peace in repossession of goods. (7) A provision requiring the purchase of insurance or waiver of liability from the lessor for damage to or destruction or loss of the property; however, the lessor may offer to the consumer any such insurance or waiver of liability if it is clearly disclosed to be optional. Nothing in this Chapter shall be construed to prohibit the lessor from requiring the consumer to provide proof of insurance or other similar property protection for the property. Acts 1991, No. 204, §1, eff. Jan. 1, 1992.
LA Rev Stat § 9:3357 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3357. Reinstatement

RS 3357 - Reinstatement  A. A consumer who fails to make a timely rental payment may reinstate the agreement, within five days of the renewal date if the consumer pays monthly, or within two days of the renewal date if the consumer pays more frequently than monthly, without losing any rights or options which exist under the agreement, by the payment of all of the following:  (1) All past due rental charges. (2) If the property has been picked up, the reasonable costs of pickup and redelivery. (3) Any applicable late fee. B. In the case of a consumer who has paid less than two-thirds of the total of payments necessary to acquire ownership and when the consumer has returned or voluntarily surrendered the property, other than through judicial process, during the applicable reinstatement period set forth in Subsection A of this Section, the consumer may reinstate the agreement during a period of not less than twenty-one days after the date of the return of the property. C. In the case of a consumer who has paid two-thirds or more of the total payments necessary to acquire ownership and when the consumer has returned or voluntarily surrendered the property, other than through judicial process, during the applicable reinstatement period set forth in Subsection A of this Section, the consumer may reinstate the agreement during a period of not less than forty-five days after the date of the return of the property. D. Nothing in this Section shall prevent a lessor from attempting to repossess property during the reinstatement period, but such a repossession shall not affect the right of the consumer to reinstatement. Upon reinstatement, the lessor shall provide the consumer with the same property or substitute property of comparable quality and condition. Acts 1991, No. 204, §1, eff. Jan. 1, 1992.
LA Rev Stat § 9:3358 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3358. Receipts and accounts

RS 3358 - Receipts and accounts  A lessor shall provide the consumer a written receipt for each payment made by cash or money order. Acts 1991, No. 204, §1, eff. Jan. 1, 1992.
LA Rev Stat § 9:3359 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3359. Renegotiations and extensions

RS 3359 - Renegotiations and extensions  A. A renegotiation shall occur when an existing rental-purchase agreement is satisfied and replaced by a new agreement undertaken by the same lessor and consumer. A renegotiation shall be considered a new agreement requiring new disclosures. However, events such as the following shall not be treated as renegotiations:  (1) The addition or return of property in a multiple-item agreement or the substitution of the rented property, if in either case the average payment allocable to a payment period is not changed by more than twenty-five months. (2) A deferral or extension of one or more periodic payments, or portions of a periodic payment. (3) A reduction in charges in the rental-purchase agreement. (4) A rental-purchase agreement involved in a court proceeding. B. No disclosures shall be required for any extension of a rental-purchase agreement. Acts 1991, No. 204, §1, eff. Jan. 1, 1992.
LA Rev Stat § 9:3360 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3360. Advertising

RS 3360 - Advertising  A. If an advertisement for a rental-purchase agreement refers to or states the dollar amount of any payment and the right to acquire ownership for any one specific item, the advertisement shall also clearly and conspicuously state the following items, as applicable:  (1) That the transaction advertised is a rental-purchase agreement. (2) The total amount of payments necessary to acquire ownership. (3) That the consumer acquires no ownership rights if the total amount necessary to acquire ownership is not paid. B. Any owner or personnel of any medium in which an advertisement appears or through which it is disseminated shall not be liable under this Section. C. The provisions of Subsection A of this Section shall not apply to an advertisement which does not refer to or state the amount of any payment, an advertisement on radio, or an advertisement which is published in the yellow pages of a telephone directory or in any similar directory of business. Acts 1991, No. 204, §1, eff. Jan. 1, 1992.
LA Rev Stat § 9:3361 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3361. Enforcement; penalties

RS 3361 - Enforcement; penalties  Any violation of this Chapter shall constitute a prohibited practice under the Unfair Trade Practices and Consumer Protection Act, R.S. 51:1401 et seq., and shall be subject to the enforcement provisions of that Act. Acts 1991, No. 204, §1, eff. Jan. 1, 1992.
LA Rev Stat § 9:3362 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3362. Taxes

RS 3362 - Taxes  Rental-purchase agreements, as defined by R.S. 9:3352, shall be deemed to be sales for state and local tax purposes only. The tax due on such transactions shall be payable in equal monthly installments over the entire term of the rental-purchase agreement, rather than at the inception of the agreement. Acts 1991, No. 204, §1, eff. Jan. 1, 1992.
LA Rev Stat § 9:3371 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3371. Validity of sale/lease-back commercial transactions

RS 3371 - Validity of sale/lease-back commercial transactions Sale/lease-back commercial transactions involving immovable or movable property with a fair market value in excess of twenty-five thousand dollars and located within this state are hereby declared to be valid and enforceable. Such transaction shall produce and result in the legal consequences described in the written sale/lease-back agreement between the parties and shall not be presumed to be a simulation. Acts 2001, No. 866, §1.
LA Rev Stat § 9:3372 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3372. Sale/lease-back defined

RS 3372 - Sale/lease-back defined As used in this Chapter, a sale/lease-back is a commercial transaction consisting of a contemporaneous sale of property to a person who contemporaneously leases the property back to the vendor, with the original vendor-lessee retaining physical possession of the property at all times pertinent to the transaction. Acts 2001, No. 866, §1.
LA Rev Stat § 9:3391 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3391. Terminated by Acts 2005, 1st Ex. Sess., No. 56, eff. June 30, 2006.

RS 3391 - Terminated by Acts 2005, 1st Ex. Sess., No. 56, eff. June 30, 2006.
LA Rev Stat § 9:3401 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3401. Central registry; creation

RS 3401 - Central registry; creation  A. The secretary of state is hereby directed to create a Central Registry for Contracts of Partnership.  B. For the purposes of Chapters 1 through 4 of this Code Title, any document required to be filed with the secretary of state shall be deemed filed when it is received either physically or electronically in any office designated by the secretary of state for the receipt of such documents.  C.(1) A person may reserve a specified partnership name by filing a signed application with the secretary of state.  (2) If the secretary of state finds that the name is available for use by a partnership, he shall reserve the name for the exclusive use of the applicant for a nonrenewable period of one hundred twenty days.  (3) The exclusive right to use a reserved name may be transferred to another person or partnership by filing with the secretary of state a notice of the transfer that specifies the name and address of the transferee and is signed by the applicant for whom the name was reserved.  Acts 1980, No. 151, §1, eff. Jan. 1, 1981; Acts 1999, No. 342, §4; Acts 2015, No. 398, §1, eff. Oct. 5, 2015.
LA Rev Stat § 9:3402 (2021)
2021 Louisiana Laws|Revised Statutes|Title 9 - Civil Code-Ancillaries|§3402. Filing

RS 3402 - Filing  A. The contract of partnership or a multiple original thereof, duly executed by the partners, or a certified copy thereof, or statements submitted by foreign partnerships in accordance with R.S. 9:3421 et seq., shall be filed for registry with the secretary of state in accordance with the provisions of this Chapter to affect third persons as provided by Civil Code Articles 2806 and 2841 or when the parties choose to comply with the provisions of this Chapter.  B.(1) The secretary of state may accept any filing authorized by this Title by electronic, online, or facsimile transmission. All online filings authorized by this Title shall include an electronic signature.  (2) "Electronic signature" means an electronic sound, symbol, or process attached to or logically associated with a record and executed or adopted by a person with the intent to sign the record.  (3) "Online" means through the secretary of state's commercial online computer system.  C. A facsimile filing, the process of transmitting printed documents by electronic method to the secretary of state, is deemed to be properly signed when the document received by a facsimile machine in the commercial division, office of the secretary of state, purports to be a copy of the original document, and contains the signatures required by this Section.  D.(1) Notwithstanding the provisions of this Section, any filing that the secretary of state has the capability to accept online shall be filed only online. If a document is required by law to be filed or recorded with an entity or official other than the secretary of state, the filing of the document with the secretary of state shall not satisfy any provision of law requiring the filing or recordation of the document with the other entity or official.  (2) Notwithstanding any contrary provision of this Title, until the secretary of state has the capability to accept filings online, any filing with the secretary of state pursuant to this Title which has the effect of changing the name of a designated or registered agent or changing the name of a principal officer of the corporation shall be accompanied by a resolution signed by each member of the corporation's board of directors in order for the change to be deemed validly filed.  (3) Notwithstanding the provisions of this Section, any filing filed by an individual from a parish with a population of one hundred thousand or less according to the latest federal decennial census may be filed by facsimile transmission or mail.  Acts 1980, No. 151, §1, eff. Jan. 1, 1981; Acts 1999, No. 342, §4; Acts 2001, No. 1032, §3; Acts 2016, No. 554, §1, eff. Jan. 1, 2018.