reglab/housing_qa huggingface dataset:
AL Code § 8-33-7 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 33 - Vehicle Protection Product Act.|Section 8-33-7 - Form and Contents of Warranty.

Section 8-33-7Form and contents of warranty. (a) Every vehicle protection product warranty in its entirety shall be written, printed, or typed in eight point type size or larger and shall not be sold or offered for sale in this state unless the warranty: (1) States that the obligations of the warrantor to the warranty holder are guaranteed under a warranty reimbursement insurance policy if the warrantor elects to meet its financial responsibility obligations under subsection (b) of Section 8-33-5 or states that the obligations of the warrantor under the warranty are backed by the full faith and credit of the warrantor if the warrantor elects to meet its financial responsibility obligations under subsection (c) of Section 8-33-5. (2) States that in the event a warranty holder must make a claim against a party other than the warranty reimbursement insurance policy issuer, the warranty holder is entitled to make a direct claim against the insurer upon the failure of the warrantor to pay any claim or meet any obligation under the terms of the warranty within 60 days after proof of loss has been filed with the warrantor. (3) States the name and address of the issuer of the warranty reimbursement insurance policy and this information need not be preprinted on the warranty form, but may be added to or stamped on the warranty, if the warrantor elects to meet its financial responsibility obligations under subsection (c) of Section 8-33-5. (4) Identifies the warrantor, the seller, and the warranty holder. (5) Sets forth the total purchase price and the terms under which it is to be paid, however, the purchase price is not required to be preprinted on the vehicle protection product warranty and may be negotiated with the consumer at the time of sale. (6) Sets forth the procedure for making a claim, including a telephone number. (7) States the existence of a deductible amount, if any. (8) Specifies the payments or performance to be provided under the warranty including payments for incidental costs, the manner of calculation or determination of payments or performance, and any limitations, exceptions, or exclusions. (9) Sets forth all of the obligations and duties of the warranty holder including the duty to protect against any further damage to the vehicle, the obligation to notify the warrantor in advance of any repair, or other similar requirements, if any. (10) Sets forth any terms, restrictions, or conditions governing transferability of the warranty, if any. (11) Contains a disclosure that reads substantially as follows: "This agreement is a product warranty and is not insurance." (b) At the time of sale, the seller or warrantor shall provide one of the following to the purchaser: (1) A copy of the vehicle protection product warranty. (2) A receipt or other written evidence of the purchase of the vehicle protection product and a copy of the warranty within 30 days of the date of purchase. (Act 2006-600, p. 1638, §7.)
AL Code § 8-33-8 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 33 - Vehicle Protection Product Act.|Section 8-33-8 - Cancellation of Warranty.

Section 8-33-8Cancellation of warranty. (a) No vehicle protection product may be sold or offered for sale in this state unless the vehicle protection product warranty clearly states the terms and conditions governing the cancellation of the sale and warranty, if any. (b) The warrantor may only cancel the warranty if the warranty holder does any of the following: (1) Fails to pay for the vehicle protection product. (2) Makes a material misrepresentation to the seller or warrantor. (3) Commits fraud related to the purchase of the vehicle protection product, registration of the warranty, or a claim made under the warranty. (4) Substantially breaches the warranty holder's duties under the warranty. (c) A warrantor canceling a warranty shall mail written notice of cancellation to the warranty holder at the last address of the warranty holder in the warrantor's records at least 30 days prior to the effective date of the cancellation. The notice shall state the effective date of the cancellation and the reason for cancellation. (Act 2006-600, p. 1638, §8.)
AL Code § 8-33-9 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 33 - Vehicle Protection Product Act.|Section 8-33-9 - Prohibited Acts.

Section 8-33-9Prohibited acts. (a) Unless licensed as an insurance company, a vehicle protection product warrantor shall not use in its name, contracts, or literature, any of the words "insurance," "casualty," "surety," "mutual," or any other words descriptive of the insurance, casualty, or surety business or deceptively similar to the name or description of any insurance or surety corporation, or any other vehicle protection product warrantor. A warrantor may use the term "guaranty" or similar word in the warrantor's name. (b) A vehicle protection product seller or warrantor may not require as a condition of sale or financing that a retail purchaser of a motor vehicle purchase a vehicle protection product that is not installed on the motor vehicle at the time of sale. (Act 2006-600, p. 1638, §9.)
AL Code § 8-33-10 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 33 - Vehicle Protection Product Act.|Section 8-33-10 - Record Keeping Requirements.

Section 8-33-10Record keeping requirements. (a) All vehicle protection product warrantors shall keep accurate accounts, books, and records concerning transactions regulated under this chapter. (b) A vehicle protection product warrantor's accounts, books, and records shall include: (1) Copies of all vehicle protection product warranties. (2) The name and address of each warranty holder. (3) The dates, amounts, and descriptions of all receipts, claims, and expenditures. (c) A vehicle protection product warrantor shall retain all required accounts, books, and records pertaining to each warranty holder for at least two years after the specified period of coverage has expired. A warrantor discontinuing business in this state shall maintain its records until it furnishes the commissioner satisfactory proof that it has discharged all obligations to warranty holders in this state. (d) Vehicle protection product warrantors shall make all accounts, books, and records concerning transactions regulated under this chapter available to the commissioner for examination. (Act 2006-600, p. 1638, §10.)
AL Code § 8-33-12 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 33 - Vehicle Protection Product Act.|Section 8-33-12 - Rules and Regulations.

Section 8-33-12Rules and regulations. The commissioner may adopt such administrative rules consistent with this chapter as are necessary to implement this chapter. Such rules and regulations shall include disclosures for the benefit of the warranty holder, record keeping, and procedures for public complaints. Such rules and regulations shall also include the conditions under which surplus lines insurers may be rejected for the purpose of underwriting vehicle protection product warranty agreements. (Act 2006-600, p. 1638, §12.)
AL Code § 8-33-13 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 33 - Vehicle Protection Product Act.|Section 8-33-13 - Applicability.

Section 8-33-13Applicability. This chapter applies to all vehicle protection products sold or offered for sale on or after January 1, 2007. The failure of any person to comply with this chapter prior to January 1, 2007, shall not be admissible in any court proceeding, administrative proceeding, arbitration, or alternative dispute resolution proceeding and may not otherwise be used to prove that the action of any person or the affected vehicle protection product was unlawful or otherwise improper. The adoption of this chapter does not imply that a vehicle protection product warranty was insurance prior to January 1, 2007. The penalty provisions of this chapter do not apply to any violation of this chapter relating to or in connection with the sale or failure to disclose in a retail installment contract or lease, or contract or agreement that provides for payments under a vehicle protection product warranty as long as the sale of such product, contract, or agreement was otherwise disclosed to the purchaser in writing at the time of the purchase or lease. In the event of a violation for which the penalty provisions of this chapter do not apply, the court shall award actual damages and costs, including reasonable attorney's fees. Nothing in this section shall be construed to require the application of the penalty provisions where this section is not applicable. (Act 2006-600, p. 1638, §13.)
AL Code § 8-33-14 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 33 - Vehicle Protection Product Act.|Section 8-33-14 - Disposition of Funds; Examination Expenses.

Section 8-33-14Disposition of funds; examination expenses. (a) All fees collected pursuant to this chapter shall be paid into the Insurance Department Fund for the enforcement of this chapter. (b) Each person being examined by the commissioner in the enforcement of this chapter shall be liable for and pay the expenses of the examination as provided in Section 27-2-25. (Act 2021-163, §1.)
AL Code § 8-34-1 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 34 - Dealers in Gold or Precious Items.|Section 8-34-1 - Definitions.

Section 8-34-1Definitions. As used in this chapter, the following terms shall have the following meanings: (1) DEALER. Any person, corporation, or partnership that engages in the business of purchasing precious items for the purpose of reselling such items in any form. A dealer does not include a manufacturer, retail merchant, pawnbroker licensed by the Alabama State Banking Department, or person in the wholesale business. (2) LOCAL LAW ENFORCEMENT AGENCY. The chief of police for businesses located within the jurisdiction of a municipality and the county sheriff for businesses located outside the jurisdiction of a municipality. (3) PERMANENT PLACE OF BUSINESS. A fixed premises either owned by the dealer or leased by the dealer for at least one year. (4) PRECIOUS ITEM. Any of the following: a. An article made in whole or in part of gold, silver, or platinum. b. Precious or semiprecious stones or pearls whether mounted or unmounted. (5) PURCHASE. The acquisition of a precious item or items for a consideration of cash, goods, or another precious item. (Act 2010-732, p. 1843, §1.)
AL Code § 8-34-2 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 34 - Dealers in Gold or Precious Items.|Section 8-34-2 - License Required.

Section 8-34-2License required. (a) Each dealer engaged in the business of purchasing precious items for the purpose of reselling the items shall purchase a state license in the amount of one hundred dollars ($100) and a county license in the amount of fifty dollars ($50) under Article 1, Chapter 12, Title 40. The dealer shall purchase one state license per year and shall annually purchase the county license in each county where he or she conducts business. No dealer shall operate in the State of Alabama unless he or she first obtains the business license required herein to engage in the business of purchasing precious items. (b) A dealer may only operate from the permanent place of business listed on the business license. The dealer shall forward a copy of each state and county license to the local law enforcement agency within five days of receipt. (Act 2010-732, p. 1843, §2.)
AL Code § 8-34-3 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 34 - Dealers in Gold or Precious Items.|Section 8-34-3 - Documentation of Items and Identification of Sellers; Weekly Report to Law Enforcement Agency.

Section 8-34-3Documentation of items and identification of sellers; weekly report to law enforcement agency. (a) Each dealer shall keep for six months from the date of purchase of a precious item and make available on request of a local law enforcement agency: (1) The name, current address, date of birth, and signature of the person from whom the dealer purchased the item. (2) A description of the person, including height, weight, race, complexion, and hair color. (3) A valid identification card number as outlined in subsection (b). (4) A list describing the items purchased from that person. (b) (1) Before making a purchase, a dealer shall require the person from whom he or she is purchasing to identify himself or herself with a valid driver's license, a non-driver's identification card, armed services identification card, or other valid photo identification sufficient to obtain the information required pursuant to subsection (a). (2) The method of photo identification shall contain a traceable serial number to be recorded by the dealer. A list of the acceptable forms of photo identification shall be provided by each local law enforcement agency. (c) Each dealer, at least once each week in which he or she makes a purchase, shall make out and deliver to the local law enforcement agency a true, complete, and legible list of all items purchased during the period since the last report. The dealer shall use local law enforcement agency forms to meet the requirements of this subsection if such forms are issued by the local law enforcement agency. The list shall include: (1) The brand name and serial number, if any, of the item or items purchased. (2) An accurate description of each item sufficient to enable the law enforcement agency to identify the item. (3) The date and time when the item was received. (4) The amount paid for each item. (5) All information pursuant to subsection (a). (Act 2010-732, p. 1843, §3.)
AL Code § 8-34-4 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 34 - Dealers in Gold or Precious Items.|Section 8-34-4 - Retention of Items; Payment; Purchase From Persons Under 18 Years of Age.

Section 8-34-4Retention of items; payment; purchase from persons under 18 years of age. (a) Any item purchased shall be held in the same shape and form as receipted for in the dealer's custody for 15 business days after delivering the list to the local law enforcement agency as required under this chapter. (b) Payment to the seller shall be by check only, made payable to a named actual intended seller. (c) It is presumptive evidence of intent to violate this chapter if the items purchased are not listed or fail to agree with the description contained in the required list. (d) On notification by a law enforcement agency or district attorney's office that the items purchased are the fruits of a crime, the dealer may not dispose of those items. (e) A dealer may not purchase items from any person under 18 years of age unless the person is accompanied by a parent or guardian who shall submit identification as required under this chapter. (Act 2010-732, p. 1843, §4.)
AL Code § 8-34-5 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 34 - Dealers in Gold or Precious Items.|Section 8-34-5 - Display of Chapter.

Section 8-34-5Display of chapter. Each dealer shall prominently display a copy of this chapter in a conspicuous place on the premises of the business. (Act 2010-732, p. 1843, §5.)
AL Code § 8-34-6 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 34 - Dealers in Gold or Precious Items.|Section 8-34-6 - Violations.

Section 8-34-6Violations. A person who violates this chapter is guilty of a Class B misdemeanor. (Act 2010-732, p. 1843, §6.)
AL Code § 8-34-7 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 34 - Dealers in Gold or Precious Items.|Section 8-34-7 - Application.

Section 8-34-7Application. This chapter does not apply to any person who purchases precious items from a retail merchant, pawnbroker licensed by the Alabama State Banking Department, manufacturer, or wholesale dealer. (Act 2010-732, p. 1843, §7.)
AL Code § 8-35-1 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 35 - Consumer Credit Report Security Freeze.|Section 8-35-1 - Definitions.

Section 8-35-1Definitions. As used in this chapter, the following terms shall have the following meanings: (1) CONSUMER. A natural person residing in this state. (2) CONSUMER CREDIT REPORT. A consumer report, as defined in 15 U.S.C. §1681a(d), that a consumer reporting agency furnishes to a person which it has reason to believe intends to use the information as a factor in establishing the consumer's eligibility for credit to be used primarily for personal, family, or household purposes. (3) CONSUMER CREDIT REPORTING AGENCY. Any person who, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer credit reports to third parties. (4) NORMAL BUSINESS HOURS. Any day between the hours of 8:00 A.M. and 9:30 P.M., Central Standard Time. (5) PERSON. Any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. (6) PROPER IDENTIFICATION. Information generally deemed sufficient to identify a person for consumer reporting agency purposes under 15 U.S.C. §1681 et seq. (7) SECURITY FREEZE. A restriction placed on a consumer credit report at the request of the consumer that prohibits a consumer credit reporting agency from releasing the consumer's consumer credit report for a purpose relating to the extension of credit without the express authorization of the consumer. (Act 2012-500, p. 1470, §1.)
AL Code § 8-35-3 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 35 - Consumer Credit Report Security Freeze.|Section 8-35-3 - Notice of Rights.

Section 8-35-3Notice of rights. At any time that a consumer is required to receive a summary of rights required by 15 U.S.C. §1681g(d) of the federal Fair Credit Reporting Act, the consumer shall also be provided with the following notice: "Alabama Consumers Have the Right to Obtain a Security Freeze. You have a right to place a security freeze on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. A security freeze must be requested in writing by certified mail or by electronic means as provided by a consumer reporting agency. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. If you are actively seeking a new credit, loan, utility, telephone, or insurance account, you should understand that the procedures involved in lifting a security freeze may slow your applications for credit. You should plan ahead and lift a freeze in advance of actually applying for new credit. When you place a security freeze on your credit report, you will be provided a personal identification number or password to use if you choose to remove the freeze on your credit report or authorize the release of your credit report for a period of time after the freeze is in place. "To provide that authorization you must contact the consumer reporting agency and provide all of the following: "(1) Your personal identification number or password. "(2) Proper identification to verify your identity. "(3) The proper information regarding the period of time for which the report shall be available. A consumer reporting agency must authorize the release of your credit report no later than 15 minutes after receiving the above information if the request is by electronic means or by telephone, or no later than three business days when a written request is submitted. "A security freeze does not apply to a person or entity, or its affiliates or collection agencies acting on behalf of the person or entity, with which you have an existing account, that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance. Unless you are a victim of identity theft with a police report or other official document acceptable to a consumer reporting agency to verify the crime, or you are 65 years of age or older, a consumer reporting agency has the right to charge you a fee of no more than ten dollars ($10) to place a freeze on your credit report." (Act 2012-500, p. 1470, §3.)
AL Code § 8-36-1 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 36 - Residential Roofing Controls.|Section 8-36-1 - Definitions.

Section 8-36-1Definitions. As used in this chapter, the following terms shall have the following meanings: (1) RESIDENTIAL REAL ESTATE. A new or existing building constructed for habitation by one to four families, including detached garages. (2) RESIDENTIAL ROOFING CONTRACTOR. A person or entity in the business of contracting or offering to contract with an owner or possessor of residential real estate to repair or replace roof systems. (3) ROOF SYSTEM. A roof covering, roof sheathing, roof weatherproofing, roof framing, roof ventilation system, and insulation. (Act 2012-519, p. 1541, §1.)
AL Code § 8-37-1 (2021)
2021 Code of Alabama|Title 8 - Commercial Law and Consumer Protection.|Chapter 37 - Guaranteed Asset Protection Waivers.|Section 8-37-1 - (Effective January 1, 2018) Purpose; Applicability.

Section 8-37-1(Effective January 1, 2018) Purpose; applicability. (a) The purpose of this chapter is to define guaranteed asset protection waivers (GAP waivers) and to provide that GAP waivers may be offered within this state. (b) This chapter does not apply to either of the following: (1) An insurance policy offered by an insurer under the insurance laws of this state. (2) A debt cancellation or debt suspension contract being offered by a federally regulated financial institution operating under 12 CFR Part 37 or a credit union operating under 12 CFR Part 721 or other federal law; or a debt cancellation or debt suspension contract being offered by a state chartered bank or credit union. Debt cancellation and debt suspension contracts being offered by any of these federal or state regulated financial institutions are not insurance and are exempt from the insurance laws of this state. (c) Guaranteed asset protection waivers governed under this chapter are not insurance and are exempt from the insurance laws of this state. Persons marketing, selling, or offering to sell guaranteed asset protection waivers to borrowers that comply with this chapter are exempt from insurance licensing and insurance regulation requirements of this state. (d) This chapter applies only to GAP waivers for financing of motor vehicles as defined in this chapter. This chapter does not affect the validity or enforcement of other asset protection waivers, debt cancellation contracts, or debt suspension agreements. (Act 2017-392, §1.)