reglab/housing_qa huggingface dataset:
MO Rev Stat § 407.938 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 407 - Merchandising Practices|Section 407.938 - Contract, form of — notice required, contents — contract to be accompanied by notice of cancellation, contents.

Effective - 28 Aug 1992   407.938. Contract, form of — notice required, contents — contract to be accompanied by notice of cancellation, contents. — 1. Every contract shall be in writing and shall fully disclose the exact nature of the foreclosure consultant's services and the total amount and terms of compensation.  2. The following notice, printed in at least fourteen-point boldface type and completed with the name of the foreclosure consultant, shall be printed immediately above the statement required by subsection 3 of this section:   NOTICE REQUIRED BY MISSOURI LAW   ______ (Enter name of foreclosure consultant) or anyone working for him or her cannot:   (1) Take any money from you or ask you for money until ______ (Enter name of foreclosure consultant) has completely finished doing everything he or she said he or she would do; and   (2) Ask you to sign or have you sign any lien, mortgage, deed of trust, or deed.    3. The contract shall be written in the same language as principally used by the foreclosure consultant to describe his services or to negotiate the contract, shall be dated and signed by the owner, and shall contain in immediate proximity to the space reserved for the owner's signature a conspicuous statement in a size equal to at least ten-point bold type, as follows: You, the owner, may cancel this transaction at any time prior to midnight of the third business day after the date of this transaction. See the attached notice of cancellation form for an explanation of this right.  4. The contract shall contain on the first page, in a type size no smaller than that generally used in the body of the document, each of the following:  (1) The name and address of the foreclosure consultant to which the notice or cancellation is to be mailed;  (2) The date the owner signed the contract.  5. The contract shall be accompanied by a completed form in duplicate, captioned "notice of cancellation", which shall be attached to the contract, shall be easily detachable, and shall contain in type of at least ten-point the following statement written in the same language as used in the contract:   NOTICE OF CANCELLATION   ______ (Enter date of transaction.) ______ (Date)   You may cancel this transaction, without any penalty or obligation, within three business days from the above date. To cancel this transaction, mail or deliver a signed and dated copy of this cancellation notice, or any other written notice, or send a telegram to ______ (Enter name of foreclosure consultant) at ______ (Enter address of foreclosure consultant's place of business) NOT LATER THAN MIDNIGHT OF ______ (Enter date) I hereby cancel this transaction on ______ (Date) ______ (Owner's signature)    6. The foreclosure consultant shall provide the owner with a copy of the contract and the attached notice of cancellation. ­­-------- (L. 1992 S.B. 705 § 4)
MO Rev Stat § 407.940 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 407 - Merchandising Practices|Section 407.940 - Foreclosure consultants, unlawful acts — penalty.

Effective - 28 Aug 1992   407.940. Foreclosure consultants, unlawful acts — penalty. — 1. It shall be unlawful for a foreclosure consultant to knowingly:  (1) Claim, demand, charge, collect, or receive any compensation until after the foreclosure consultant has fully performed each and every service the foreclosure consultant contracted to perform or represented he would perform;  (2) Claim, demand, charge, collect, or receive any fee, interest, or any other compensation for any reason which exceeds ten percent per annum of the amount of any loan which the foreclosure consultant may make to the owner;  (3) Take any wage assignment, any lien of any type on real or personal property, or other security to secure the payment of compensation. Any such security shall be void and unenforceable;  (4) Receive any consideration from any third party in connection with services rendered to an owner unless such consideration is fully disclosed to the owner;  (5) Acquire any interest in a residence in foreclosure from an owner with whom the foreclosure consultant has contracted. Any interest acquired in violation of this subdivision shall be voidable, provided that nothing herein shall affect or defeat the title of a bona fide purchaser or encumberer for value and without notice of a violation of this section. Knowledge that the property was a "residence in foreclosure" shall not constitute notice of a violation of this section. This subdivision shall not be deemed to abrogate any duty of inquiry which exists as to rights or interests of persons in possession of a residence in foreclosure;  (6) Take any power of attorney from an owner for any purpose, except to inspect documents as provided by law;  (7) Induce or attempt to induce any owner to enter a contract which does not comply in all respects with sections 407.935 and 407.937.  2. Any violation of any of the acts enumerated in subsection 1 of this section shall be a class A misdemeanor. ­­-------- (L. 1992 S.B. 705 § 5)
MO Rev Stat § 407.941 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 407 - Merchandising Practices|Section 407.941 - Waiver, void — penalty.

Effective - 28 Aug 1992   407.941. Waiver, void — penalty. — Any waiver by an owner of the provisions of sections 407.935 to 407.943 shall be deemed void and unenforceable as contrary to public policy. Any attempt by a foreclosure consultant to induce an owner to waive his rights shall be deemed a violation of subdivision (7) of subsection 1 of section 407.940. ­­-------- (L. 1992 S.B. 705 § 6)
MO Rev Stat § 407.943 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 407 - Merchandising Practices|Section 407.943 - Action against foreclosure consultant authorized — exemplary damages authorized — remedies not exclusive.

Effective - 28 Aug 1992   407.943. Action against foreclosure consultant authorized — exemplary damages authorized — remedies not exclusive. — 1. An owner may bring an action against a foreclosure consultant for any violation of sections 407.935 to 407.943. Judgment shall be entered for actual damages, reasonable attorneys' fees and costs, and appropriate equitable relief. The court also may, in its discretion, award exemplary damages equivalent to at least twice the compensation received by the foreclosure consultant in violation of section 407.940, in addition to any other award of actual damages.  2. The rights and remedies provided in subsection 1 of this section are cumulative to, and not a limitation of, any other rights and remedies provided by law. Any action brought pursuant to this section shall be commenced within three years from the date of the alleged violation. ­­-------- (L. 1992 S.B. 705 § 7)
MO Rev Stat § 407.953 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 407 - Merchandising Practices|Section 407.953 - Warranty express or implied, one year required.

Effective - 28 Aug 1995   407.953. Warranty express or implied, one year required. — A manufacturer who sells an assistive device to a consumer, either directly or through an assistive device dealer, shall furnish the consumer with an express warranty for the assistive device. The duration of the express warranty shall be not less than one year after first delivery of the assistive device to the consumer. In the absence of an express warranty from the manufacturer, the manufacturer shall be deemed to have expressly warranted to the consumer of an assistive device that, for a period of one year from the date of first delivery to the consumer, the assistive device will be free from any condition or defect which substantially impairs the value of the assistive device to the consumer. ­­-------- (L. 1995 H.B. 333 § 1 subsec. 2)
MO Rev Stat § 407.955 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 407 - Merchandising Practices|Section 407.955 - Nonconformity of assistive device to be repaired at no cost.

Effective - 28 Aug 1995   407.955. Nonconformity of assistive device to be repaired at no cost. — If a new assistive device does not conform to an applicable express warranty and the consumer reports the nonconformity to the manufacturer, the assistive device lessor or any of the manufacturer's authorized assistive device dealers and makes the assistive device available for repair before one year after return delivery of the assistive device to a consumer, the nonconformity shall be repaired at no charge to the consumer. ­­-------- (L. 1995 H.B. 333 § 1 subsec. 3)
MO Rev Stat § 407.957 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 407 - Merchandising Practices|Section 407.957 - Nonconformity not repaired within reasonable time, options of consumer.

Effective - 28 Aug 1995   407.957. Nonconformity not repaired within reasonable time, options of consumer. — 1. If, after a reasonable attempt to repair, the nonconformity is not repaired, the manufacturer shall carry out the requirement set forth under subsection 2 of this section.  2. If, after a reasonable attempt to repair, the nonconformity is not repaired, then at the direction of a consumer described under paragraph (a), (b), or (c) of subdivision (5) of section 407.950, the manufacturer shall do one of the following:  (1) Accept return of the assistive device and replace the assistive device with a comparable new assistive device and refund any collateral costs;  (2) Accept return of the assistive device and refund to the consumer and to any holder of a perfected security interest in the consumer's assistive device, as their interest may appear, the full purchase price plus any finance charge amount paid by the consumer at the point of sale and collateral costs, less a reasonable allowance for use. A reasonable allowance for use may not exceed the amount obtained by multiplying the full purchase price of the assistive device by a fraction, the denominator of which is one thousand eight hundred twenty-five and the numerator of which is the number of days that the assistive device was used before the consumer first reported the nonconformity to the assistive device dealer;  (3) With respect to a consumer described under paragraph (d) of subdivision (5) of section 407.950, accept return of the assistive device, refund to the assistive device lessor and to any holder of a perfected security interest in the assistive device, as their interest may appear, the current value of the written lease and refund to the consumer the amount that the consumer paid under the written lease plus any collateral costs, less a reasonable allowance for use. ­­-------- (L. 1995 H.B. 333 § 1 subsecs. 4, 5)
MO Rev Stat § 407.959 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 407 - Merchandising Practices|Section 407.959 - Lease, early termination — reasonable allowance for use, how computed.

Effective - 28 Aug 1995   407.959. Lease, early termination — reasonable allowance for use, how computed. — 1. The current value of the written lease equals the total amount for which that lease obligates the consumer during the period of the lease remaining after its early termination, plus the assistive device dealer's early termination costs and the value of the assistive device at the lease expiration date if the lease sets forth that value, less the assistive device lessor's early termination savings.  2. A reasonable allowance for use may not exceed the amount obtained by multiplying the total amount for which the written lease obligates the consumer by a fraction, the denominator of which is one thousand eight hundred twenty-five and the numerator of which is the number of days that the consumer used the assistive device before first reporting the nonconformity to the manufacturer, assistive device lessor or assistive device dealer. ­­-------- (L. 1995 H.B. 333 § 1 subsecs. 6, 7)
MO Rev Stat § 407.961 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 407 - Merchandising Practices|Section 407.961 - Consumer to receive comparable device or refund, procedure — lease unenforceable against consumer after refund.

Effective - 28 Aug 1995   407.961. Consumer to receive comparable device or refund, procedure — lease unenforceable against consumer after refund. — 1. To receive a comparable new assistive device or a refund due under subsection 2 of section 407.957, a consumer described under subdivision (5) of section 407.950 shall offer to the manufacturer of the assistive device having the nonconformity to transfer possession of that assistive device to that manufacturer. No later than thirty days after that offer, the manufacturer shall provide the consumer with the comparable assistive device or refund. When the manufacturer provides the new assistive device or refund, the consumer shall return the assistive device having the nonconformity to the manufacturer, along with any endorsements necessary to transfer real possession to the manufacturer.  2. To receive a refund due under subdivision (3) of subsection 2 of section 407.957, a consumer described under paragraph (d) of subdivision (5) of section 407.950 shall offer to return the assistive device having the nonconformity to its manufacturer. No later than thirty days after that offer, the manufacturer shall provide the refund to the consumer. When the manufacturer provides the refund, the consumer shall return to the manufacturer the assistive device having the nonconformity.  3. To receive a refund due under subdivision (3) of subsection 2 of section 407.957, an assistive device lessor shall offer to transfer possession of the assistive device having the nonconformity to its manufacturer. No later than thirty days after that offer, the manufacturer shall provide the refund to the assistive device lessor. When the manufacturer provides the refund, the assistive device lessor shall provide to the manufacturer any endorsements necessary to transfer legal possession to the manufacturer.  4. No person shall enforce the lease against the consumer after the consumer receives a refund due under subdivision (3) of subsection 2 of section 407.957. ­­-------- (L. 1995 H.B. 333 § 1 subsecs. 8 to 11)
MO Rev Stat § 407.963 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 407 - Merchandising Practices|Section 407.963 - Resale or lease of returned device, full disclosure required.

Effective - 28 Aug 1995   407.963. Resale or lease of returned device, full disclosure required. — No assistive device returned by a consumer or assistive device lessor in this state, or by a consumer or assistive device lessor in another state under a similar law of that state, may be sold or leased again in this state unless full disclosure of the reasons for return is made to any prospective buyer or lessee. ­­-------- (L. 1995 H.B. 333 § 1 subsec. 12)
MO Rev Stat § 407.965 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 407 - Merchandising Practices|Section 407.965 - Arbitration of disputes may be submitted, filing fee, procedure — waivers of consumer's rights are void.

Effective - 28 Aug 1995   407.965. Arbitration of disputes may be submitted, filing fee, procedure — waivers of consumer's rights are void. — 1. Each consumer shall have the option of submitting any dispute arising under sections 407.950 to 407.970 upon the payment of a prescribed filing fee to an alternate arbitration mechanism established pursuant to regulations promulgated by the attorney general. Upon application of the consumer and payment of the filing fee, all manufacturers shall submit to such alternate arbitration.  2. Such alternate arbitration shall be conducted by a professional arbitrator or arbitration firm appointed by and under regulations established by the attorney general. Such mechanism shall ensure the personal objectivity of its arbitrators and the right of each party to present its case, to be in attendance during any presentation made by the other party and to rebut or refute such presentation.  3. Sections 407.950 to 407.970 shall not be construed to limit rights or remedies available to a consumer under any other law.  4. Any waiver by a consumer of rights under sections 407.950 to 407.970 is void. ­­-------- (L. 1995 H.B. 333 § 1 subsecs. 13 to 16)
MO Rev Stat § 407.967 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 407 - Merchandising Practices|Section 407.967 - Action for damages, attorney's fees and costs may be brought by consumer.

Effective - 28 Aug 1995   407.967. Action for damages, attorney's fees and costs may be brought by consumer. — In addition to pursuing any other remedy, a consumer may bring an action to recover for any damages caused by a violation of sections 407.950 to 407.970. The court shall award a consumer who prevails in such an action twice the amount of any pecuniary loss, together with costs, disbursements and reasonable attorney fees, and any equitable relief that the court determines is appropriate. ­­-------- (L. 1995 H.B. 333 § 1 subsec. 17)
MO Rev Stat § 407.980 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 407 - Merchandising Practices|Section 407.980 - Convenience business defined — businesses not included in definition — preemption by state of all security regulations.

Effective - 28 Aug 1997   407.980. Convenience business defined — businesses not included in definition — preemption by state of all security regulations. — 1. As used in sections 407.980 to 407.987, the term "convenience business" means any place of business that is primarily engaged in the retail sale of groceries, or both groceries and gasoline, and is open for business at any time between the hours of 11:00 p.m. and 5:00 a.m. The term "convenience business" does not include:  (1) A business that is solely or primarily a restaurant;  (2) A business that has at least ten thousand square feet of retail floor space; or  (3) A business which is owned by a person who owns a business at no other location.  2. A political subdivision of this state may not adopt, for convenience businesses, security standards which differ from those contained in sections 407.980 to 407.987 and all such differing standards are hereby preempted and superseded by state statute. ­­-------- (L. 1995 S.B. 446 § 4, A.L. 1997 H.B. 141)
MO Rev Stat § 407.985 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 407 - Merchandising Practices|Section 407.985 - Equipment required for security of convenience business — limitation on cash after 11:00 p.m. until 5:00 a.m. — prohibited window signs and treatment — operator defined.

Effective - 28 Aug 1997   407.985. Equipment required for security of convenience business — limitation on cash after 11:00 p.m. until 5:00 a.m. — prohibited window signs and treatment — operator defined. — 1. Prior to January 1, 1997, for the protection of employees and the consumer public at late-night convenience businesses, every operator of a convenience business shall ensure that such operator's convenience business is equipped with the following:  (1) A bullet-resistant glass enclosure or security camera system capable of recording and retrieving an image to assist law enforcement officials in the identification and apprehension of a criminal offender and by January 1, 1998, such system shall have at least one camera focused on the cash register area;  (2) A drop safe or cash-management device for restricted access to cash receipts;  (3) Lighting for parking areas and entrances at an intensity to provide clear visibility under normal conditions, which can be satisfied by canopy lighting within ten feet of the building;  (4) A conspicuous notice at the entrance which states that the cash register contains limited funds;  (5) Height markers at the entrance of the convenience business which display height measures; and  (6) A cash management policy to limit the cash on hand at all times after 11:00 p.m. and before 5:00 a.m.  2. Prior to January 1, 1998, for the protection of employees and the consumer public at late-night convenience businesses, every operator of a convenience business shall ensure that such operator's convenience business is equipped with the following:  (1) A silent alarm system which shall be connected to a security company or a local law enforcement agency; or  (2) A telephone, other than a pay telephone, accessible to employees at all times.  3. After January 1, 1997, for the protection of employees and the consumer public at late-night convenience businesses, every operator of a convenience business shall ensure that:  (1) No window signs shall be located so as to obstruct the view from outside the building to the cash register and sales transaction area; and  (2) No window tinting that significantly reduces exterior or interior view in a normal line of sight.  4. For the purposes of sections 407.980 to 407.990, "operator" means any individual proprietor or business entity responsible for the day-to-day operation of the convenience business. ­­-------- (L. 1995 S.B. 446 § 5, A.L. 1997 H.B. 141)
MO Rev Stat § 407.987 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 407 - Merchandising Practices|Section 407.987 - Training to be provided for employees in robbery deterrence and safety — time limitation to provide.

Effective - 28 Aug 1997   407.987. Training to be provided for employees in robbery deterrence and safety — time limitation to provide. — The operator of a convenience business shall provide each employee with training in proper robbery deterrence and safety within sixty days of an employee's date of employment or if a person is an employee on January 1, 1997, then by July 1, 1997. ­­-------- (L. 1995 S.B. 446 § 6, A.L. 1997 H.B. 141)
MO Rev Stat § 407.990 (2021)
2021 Missouri Revised Statutes|Title XXVI - Trade and Commerce|Chapter 407 - Merchandising Practices|Section 407.990 - Penalty.

Effective - 28 Aug 1997   407.990. Penalty. — Any person who violates any provision of sections 407.980 to 407.990 is guilty of a class C misdemeanor. ­­-------- (L. 1997 H.B. 141)