reglab/housing_qa huggingface dataset:
MS Code § 75-24-163 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 24 - Regulation of Business for Consumer Protection|Mississippi Rental-Purchase Agreement Act|§ 75-24-163. Reinstatement of rental agreements after failure to make timely payment; repossession of property during reinstatement period

  A consumer who fails to make a timely rental payment may reinstate the agreement, without losing any rights or options which exist under the agreement, by the payment of the following charges within five (5) days of the renewal date of an agreement with monthly periodic payments or within two (2) days of the renewal date of an agreement with periodic payments more frequently than monthly:   All past due rental charges;   If the goods have been picked up, the reasonable costs of pickup and redelivery; and   Any applicable reinstatement fee.     In the case of a consumer who has paid less than two-thirds (2/3) of the total of payments necessary to acquire ownership and where the consumer has returned or voluntarily surrendered the goods within the applicable reinstatement period, other than through judicial process, the consumer may reinstate the agreement during a period of not less than twenty-one (21) days after the date of the return of the property.   In the case of a consumer who has paid two-thirds (2/3) or more of the total of payments necessary to acquire ownership, and where the consumer has returned or voluntarily surrendered the goods within the applicable reinstatement period, other than through judicial process, the consumer may reinstate the agreement during a period of not less than forty-five (45) days after the date of the return of the property.   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 consumer's right to reinstate. Upon reinstatement, the lessor shall provide the consumer with the same property, if available, or with substitute property of comparable quality and condition.
MS Code § 75-24-165 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 24 - Regulation of Business for Consumer Protection|Mississippi Rental-Purchase Agreement Act|§ 75-24-165. Written receipts for payments

 A lessor shall provide the consumer a written receipt for any payment made.
MS Code § 75-24-167 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 24 - Regulation of Business for Consumer Protection|Mississippi Rental-Purchase Agreement Act|§ 75-24-167. Renegotiation of rental-purchase agreements

  A renegotiation occurs when any term of rental-purchase agreement that is required to be disclosed by Section 75-24-159 is changed by agreement between the lessor and consumer. A renegotiation is considered to be a new rental-purchase agreement requiring the lessor to give all the disclosures required by Section 75-24-159.   A renegotiation shall not include any of the following:   Reinstatement of a rental-purchase agreement in accordance with Section 75-24-163;   A lessor's waiver or failure to assert any claim against the consumer;   A deferral, extension or waiver of a portion of a periodic payment or of one or more periodic payments; or   A change, made at the consumer's request, of the date of the week or month on which periodic payments are to be made.
MS Code § 75-24-169 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 24 - Regulation of Business for Consumer Protection|Mississippi Rental-Purchase Agreement Act|§ 75-24-169. Advertisement of rental-purchase agreements

  If an advertisement for a rental-purchase agreement refers to or states the dollar amount of the periodic payment for a specific item and refers to or states that the consumer has the right to acquire ownership of that item, the advertisement shall also clearly and conspicuously state the following, as applicable:   That the transaction advertised is a rental-purchase agreement;   The total number of payments necessary to acquire ownership of the item; and   That the consumer acquires no ownership rights if the total amount necessary to acquire ownership is not paid.     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.   The provisions of subsection (1) of this section shall not apply to an advertisement which does not refer to or state the amount of any payment or which is published in the yellow pages of a telephone directory or in any similar directory of business.
MS Code § 75-24-171 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 24 - Regulation of Business for Consumer Protection|Mississippi Rental-Purchase Agreement Act|§ 75-24-171. Liability of lessors for violations generally; availability of offsets; nature of remedies; limitation period

  A lessor who fails to comply with the requirements of Sections 75-24-151 through 75-24-175 is liable to the consumer damaged thereby in an amount equal to the greater of:   The actual damages sustained by the consumer as a result of the lessor's failure to comply with Sections 75-24-151 through 75-24-175;   Twenty-five percent (25%) of the total of payments necessary to acquire ownership, but not less than One Hundred Dollars ($100.00) nor more than One Thousand Dollars ($1,000.00); or   Such lessor is also liable to the consumer for the costs of the action and reasonable attorney's fees as determined by the court.     A consumer may not take any action to offset the amount for which a lessor is potentially liable under subsection (1) of this section against any amount owed by the consumer, unless the amount of the lessor's liability has been determined by judgment of a court of competent jurisdiction in an action in which the lessor was a party. This subsection does not bar a consumer then in default on an obligation from asserting a violation of Sections 75-24-151 through 75-24-175 as an original action, or as a defense or counterclaim, to an action brought by a lessor against the consumer.   The provisions of Sections 75-24-151 through 75-24-175 are cumulative with any other rights or remedies available in this state.   No action under this section may be brought in any court of competent jurisdiction more than one (1) year after the date the consumer made his last rental payment or more than one (1) year after the date of the occurrence of the violation that is the subject of the suit, whichever is later.
MS Code § 75-24-173 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 24 - Regulation of Business for Consumer Protection|Mississippi Rental-Purchase Agreement Act|§ 75-24-173. Liability of lessors for unintentional violations or bona fide errors; effect of notification and adjustment of errors by lessors

  If a lessor establishes by a preponderance of evidence that a violation of Sections 75-24-151 through 75-24-175 was unintentional or the result of a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid such errors, no penalty as specified in Section 75-24-171 may be imposed and validity of the transaction is not affected. Examples of bona fide errors are clerical errors, calculation errors, errors due to unintentionally improper computer programming or data entry and printing errors but do not include an error of legal judgment with respect to a lessor's obligations under Sections 75-24-151 through 75-24-175.   A lessor has no liability under this section for any failure to comply with any requirement imposed under Sections 75-24-151 through 75-24-175 if within sixty (60) days after discovering an error, and prior to the institution of an action under Sections 75-24-151 through 75-24-175 or the receipt of written notice of the error from the consumer, the lessor notifies the consumer of the error and makes whatever adjustments in the appropriate account as are necessary to correct the error.
MS Code § 75-24-175 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 24 - Regulation of Business for Consumer Protection|Mississippi Rental-Purchase Agreement Act|§ 75-24-175. Signature of provisions of agreements by lessees

 Each provision of a contract under Sections 75-24-151 through 75-24-175 shall contain a provision to be signed or initialed by the lessee.
MS Code § 75-24-191 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 24 - Regulation of Business for Consumer Protection|Sale of Renovated Vehicle After Submersion|§ 75-24-191. Automobile dealer to provide purchaser with notice that renovated vehicle had been previously submerged; penalty

 Any automobile dealer or salesman who sells a renovated vehicle after it has been submerged without notifying the purchaser in writing, when the dealer or salesman knew or should have known of the submersion, shall be subject to a fine not to exceed the sales price of the vehicle.
MS Code § 75-24-201 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 24 - Regulation of Business for Consumer Protection|Obligations of Consumer Reporting Agencies|§ 75-24-201. Security freeze; written request by consumer; fee; disclosure of security freeze process; timing; unique personal identification number to be used by consumer to authorize removal or lifting of freeze

  On written request sent by certified mail that includes proper identification provided by a consumer and a copy of a valid police report, investigative report or complaint which the consumer has filed with a law enforcement agency regarding the unlawful use of the personal information of the consumer by another person, a consumer reporting agency shall place a security freeze on a consumer's consumer file not later than the fifth business day after the date the agency receives the request. A reporting agency may charge a consumer a reasonable fee not to exceed Ten Dollars ($10.00) to place a security freeze in his file.   On written request for a security freeze provided by a consumer under subsection (1), a consumer reporting agency shall disclose to the consumer the process of placing, removing and temporarily lifting a security freeze and the process for allowing access to information from the consumer's file with the consumer reporting agency for a specific requester or period while the security freeze is in effect.   A consumer reporting agency shall, not later than the tenth business day after the date the agency receives the request for a security freeze:   Send a written confirmation of the security freeze to the consumer; and   Provide the consumer with a unique personal identification number or password to be used by the consumer to authorize a removal or temporary lifting of the security freeze under Section 75-24-207.     A consumer may request in writing a replacement personal identification number or password. The request must comply with the requirements for requesting a security freeze under subsection (1). The consumer reporting agency shall, not later than the third business day after the date the agency receives the request for a replacement personal identification number or password, provide the consumer with a new unique personal identification number or password to be used by the consumer instead of the number or password that was provided under subsection (3).   As used in Sections 75-24-201 through 75-24-217, the term "security freeze" means a notice that (a) prohibits a consumer reporting agency from releasing all or any part of a consumer report or any information derived from a consumer report relating to the extension of credit, and (b) is placed in the file retained by the consumer reporting agency on that consumer at the consumer's request pursuant to subsection (1).
MS Code § 75-24-203 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 24 - Regulation of Business for Consumer Protection|Obligations of Consumer Reporting Agencies|§ 75-24-203. Consumer to be notified of change to certain information in consumer's file; timing

 If a security freeze is in place, a consumer reporting agency shall notify the consumer in writing of a change in the consumer's file retained by the consumer reporting agency to the consumer's name, date of birth, social security number, or address not later than thirty (30) calendar days after the date the change is made. The agency shall send notification of a change of address to both the new address and former address of the consumer. This section does not require notice of an immaterial change, including a street abbreviation change or correction of a transposition of letters or misspelling of a word.
MS Code § 75-24-205 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 24 - Regulation of Business for Consumer Protection|Obligations of Consumer Reporting Agencies|§ 75-24-205. Notice to person requesting consumer report of security freeze on consumer file

 A consumer reporting agency shall notify a person who requests a consumer report if a security freeze is in effect for the consumer file involved in that report.
MS Code § 75-24-207 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 24 - Regulation of Business for Consumer Protection|Obligations of Consumer Reporting Agencies|§ 75-24-207. Removal or temporary lifting of security freeze; timing

  On a request in writing or by telephone and with proper identification provided by a consumer, including the consumer's personal identification number or password provided under Section 75-24-201, a consumer reporting agency shall remove a security freeze within three (3) business days after the agency receives the request.   On a request in writing or by telephone and with proper identification provided by a consumer, including the consumer's personal identification number or password provided under Section 75-24-201, a consumer reporting agency shall, within three (3) business days after the agency receives the request, temporarily lift the security freeze for:   A certain properly designated period; or   A certain properly identified requester.     A consumer reporting agency may develop procedures involving the use of a telephone, a facsimile machine, the Internet or another electronic medium to receive and process a request from a consumer under this section.   A consumer reporting agency shall remove a security freeze placed on a consumer file if the security freeze was placed due to a material misrepresentation of fact by the consumer. The consumer reporting agency shall notify the consumer in writing before removing the security freeze under this subsection.   A consumer reporting agency may not charge a fee for a request under subsection (1) or (2).
MS Code § 75-24-209 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 24 - Regulation of Business for Consumer Protection|Obligations of Consumer Reporting Agencies|§ 75-24-209. Inapplicability of security freeze to certain consumer reports

 A security freeze does not apply to a consumer report provided to:   A state or local governmental entity, including a law enforcement agency or court or private collection agency, if the entity, agency or court is acting under a court order, warrant, subpoena or administrative subpoena;   An agency acting to investigate or collect child support payments or acting under Title IV-D of the Social Security Act (42 USCS Section 651 et seq.);   The State Tax Commission acting to investigate or collect delinquent sales or franchise taxes;   A tax assessor-collector acting to investigate or collect delinquent ad valorem taxes;   A person for the purposes of prescreening as provided by the Fair Credit Reporting Act (15 USCS Section 1681 et seq.), as amended;   A person who intends to use the information for employment purposes;   A person who intends to use the information in connection with adjusting a claim, rating or underwriting of insurance involving the consumer;   A person with whom the consumer has an account or contract or to whom the consumer has issued a negotiable instrument, or the person's subsidiary, affiliate, agent, assignee, prospective assignee or private collection agency, for purposes related to that account, contract or instrument;   A subsidiary, affiliate, agent, assignee or prospective assignee of a person to whom access has been granted under Section 75-24-207(2);   A person who administers a credit file monitoring subscription service to which the consumer has subscribed;   A person for the purpose of providing a consumer with a copy of the consumer's report on the consumer's request;   A check service or fraud prevention service company that issues consumer reports:   To prevent or investigate fraud; or   For purposes of approving or processing negotiable instruments, electronic funds transfers or similar methods of payment;   A deposit account information service company that issues consumer reports related to account closures caused by fraud, substantial overdrafts, automated teller machine abuses or similar negative information regarding a consumer to an inquiring financial institution for use by the financial institution only in reviewing a consumer request for a deposit account with that institution; or   A consumer reporting agency that:   Acts only to resell credit information by assembling and merging information contained in a database of another consumer reporting agency or multiple consumer reporting agencies; and   Does not maintain a permanent database of credit information from which new consumer reports are produced.
MS Code § 75-24-211 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 24 - Regulation of Business for Consumer Protection|Obligations of Consumer Reporting Agencies|§ 75-24-211. Certain entities not required to place security freeze on consumer file

 The requirement under Sections 75-24-201 through 75-24-217 to place a security freeze on a consumer file does not apply to:   A check service or fraud prevention service company that issues consumer reports:   To prevent or investigate fraud; or   For purposes of approving or processing negotiable instruments, electronic funds transfers or similar methods of payment; or   A deposit account information service company that issues consumer reports related to account closures caused by fraud, substantial overdrafts, automated teller machine abuses or similar negative information regarding a consumer to an inquiring financial institution for use by the financial institution only in reviewing a consumer request for a deposit account with that institution.
MS Code § 75-24-213 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 24 - Regulation of Business for Consumer Protection|Obligations of Consumer Reporting Agencies|§ 75-24-213. Honoring another agency's security freeze

 A consumer reporting agency shall honor a security freeze placed on a consumer file by another consumer reporting agency.
MS Code § 75-24-215 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 24 - Regulation of Business for Consumer Protection|Obligations of Consumer Reporting Agencies|§ 75-24-215. Treatment of application for credit or other use as incomplete under certain circumstances

 If a third party requests access to a consumer report on which a security freeze applies, and this request is in connection with an application for credit, insurance or any other use, and the consumer does not immediately request the consumer reporting agency to lift the security freeze and allow his or her credit report to be accessed for that specific party or period of time, the third party may treat the consumer's application as incomplete.
MS Code § 75-24-217 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 24 - Regulation of Business for Consumer Protection|Obligations of Consumer Reporting Agencies|§ 75-24-217. Definitions

 The terms "consumer," "consumer report" and "consumer reporting agency" as used in Sections 75-24-201 through 75-24-217 shall have the same meanings as given to those respective terms in the Fair Credit Reporting Act (15 USCS Section 1681 et seq.), as amended.
MS Code § 75-24-231 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 24 - Regulation of Business for Consumer Protection|Credit Card Processing Hardware and Software|§ 75-24-231. Credit card processing hardware and software required to meet requirements of federal law

  Beginning January 1, 2011, all business entities and their agents providing credit card processing hardware or software to retail merchants for the transaction of business shall provide such hardware or software that meets the requirements of the Fair and Accurate Credit Transactions Act of 2003 and does not print on a receipt provided to the cardholder:(a) more than the last five (5) digits of the credit card or debit card account number, or (b) the expiration date of the credit card or debit card.   The provisions of subsection (1) of this section apply only to receipts that are electronically printed and do not apply to transactions in which the sole means of recording the cardholder's credit card or debit card account number is by handwriting or by an imprint or copy of the credit card or debit card.   Any business entity providing credit card processing hardware or software to retail merchants who willfully violates the provisions of subsection (1) of this section shall be subject to a fine of not more than One Hundred Dollars ($100.00) for a first offense and not more than Five Hundred Dollars ($500.00) for a second offense, and shall be subject to a fine of not more than One Thousand Dollars ($1,000.00) for each subsequent offense.
MS Code § 75-24-301 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 24 - Regulation of Business for Consumer Protection|Insurance Benefits Roofing Repair Consumer Protection Act|§ 75-24-301. Title

 Sections 75-24-301 through 75-24-311 shall be known as the "Insurance Benefits Roofing Repair Consumer Protection Act."
MS Code § 75-24-303 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 24 - Regulation of Business for Consumer Protection|Insurance Benefits Roofing Repair Consumer Protection Act|§ 75-24-303. Applicablility

 Sections 75-24-301 through 75-24-311 apply to a residential roofing repair contract under which a person has contracted with a residential roofing contractor to provide goods or services expected to be paid, in whole or in part, from the benefits of a property and casualty insurance policy.