reglab/housing_qa huggingface dataset:
NE Code § 8-820 (2021)
2021 Nebraska Revised Statutes|Chapter 8 - Banks and Banking|8-820 - Personal loans; credit cards; interest; service fee; fee in lieu of interest.

8-820.  Personal loans; credit cards; interest; service fee; fee in lieu of interest.Subject to the provisions of sections 8-815 to 8-829, any bank may contract for and receive, on any personal loan, charges at a rate not exceeding nineteen percent simple interest per year. In the case of loans initiated by credit card or other type of transaction card, the rate may be any amount agreed to by the parties. Any bank acquired pursuant to sections 8-1512 and 8-1513 may also charge commercially reasonable fees for service and use of a credit card or other type of transaction card on a per transaction and monthly or annual basis. For purposes of this section, section 85 of the National Bank Act, 12 U.S.C. 85, and section 522 of the Depository Institutions Deregulation and Monetary Control Act of 1980, 12 U.S.C. 1831d, all interest, charges, fees, and other amounts permitted under sections 8-815 to 8-829 for loans initiated by credit card or other type of transaction card shall be deemed to be, and may be charged and collected as, interest by the bank, and all other terms and conditions of the agreement between the bank and the borrower that are not prohibited by such sections shall be deemed material to the determination of interest. Notwithstanding the provisions of this section, in the case of loans not initiated by credit card or other type of transaction card, a bank may charge a minimum fee of up to seven dollars and fifty cents in lieu of interest on personal loans and reasonable loan service costs as defined in subdivision (2) of section 45-101.02. Such loan service costs shall not be construed as interest.Source   Laws 1965, c. 31, § 6, p. 214;   Laws 1973, LB 164, § 23;   Laws 1980, LB 276, § 4;   Laws 1981, LB 150, § 1;   Laws 1983, LB 454, § 1;   Laws 1984, LB 1076, § 1;   Laws 1988, LB 913, § 1;   Laws 1993, LB 423, § 4;  Laws 2017, LB140, § 141.  Annotations Notwithstanding interest rate limits under Nebraska statutes, national bank in Nebraska can legally charge, on credit card transactions, same rates allowed by section 45-114 et seq. Fisher v. First Nat. Bank of Omaha, 548 F.2d 255 (8th Cir. 1977).
NE Code § 8-820.01 (2021)
2021 Nebraska Revised Statutes|Chapter 8 - Banks and Banking|8-820.01 - Bank credit cards; federal most-favored-lender doctrine; public policy declaration.

8-820.01.  Bank credit cards; federal most-favored-lender doctrine; public policy declaration.It is hereby declared to be the public policy of the State of Nebraska that for purposes of applying the federal most-favored-lender doctrine, the bank credit card rate contained in section 8-820 is not comparable or analogous to the small loan rate found in sections 45-1024 and 45-1025. The Legislature finds that the institutions making small loans and the institutions administering a bank credit card are categorically different. The transactions carried on by these institutions are categorically different. The Legislature finds that small loan borrowers and bank credit card users are not synonymous or comparable. In establishing a small loan rate, the Legislature has recognized a risk factor that is different and greater than other financial transactions and therefor justifies the charging of a higher interest rate than installment loans, personal loans, retail revolving credit plans, or bank credit card interest rates.Source   Laws 1981, LB 150, § 2;  Laws 2001, LB 53, § 7.
NE Code § 8-821 (2021)
2021 Nebraska Revised Statutes|Chapter 8 - Banks and Banking|8-821 - Personal loans; additional charges.

8-821.  Personal loans; additional charges.In addition to the charges permitted by section 8-820, no further amount or exaction shall be directly or indirectly contracted for or received, except:(1) Lawful fees actually and necessarily paid to a public officer for filing, recording, or releasing an instrument securing the loan;(2) Taxable costs to which the bank is adjudged to be entitled in judicial proceedings instituted to collect the loan;(3) Premiums paid for insurance policies covering tangible personal property securing the loan. Such insurance shall be only in such amount and nature as is customary and reasonable, having regard to all the circumstances of the loan, and the premium shall not exceed standard rates. If insurance is procured by or through the bank, an executed copy of the insurance policy or certificate of insurance shall be delivered to the borrower within fifteen days;(4) Premiums paid for insurance policies covering tangible personal property acquired, in whole or in part, with the proceeds of the loan;(5) The actual costs of nonfiling insurance;(6) Premiums paid for credit life, health, disability, sickness and accident, or involuntary unemployment or job protection insurance policies or any one or more of them;(7) Charges permitted by section 8-822;(8) Fees agreed to by the parties for loan service costs for exceeding authorized limits, replacing lost cards, returning checks, or delinquency on the account; and(9) In the case of loans initiated by credit card or other type of transaction card, any other fees agreed to by the parties.Source   Laws 1965, c. 31, § 7, p. 215;   Laws 1973, LB 142, § 1;   Laws 1974, LB 695, § 1;   Laws 1987, LB 332, § 2;   Laws 1995, LB 384, § 9;  Laws 2000, LB 1125, § 1. Annotations Notwithstanding interest rate limits under Nebraska statutes, national bank in Nebraska can legally charge, on credit card transactions, same rates allowed by section 45-114 et seq. Fisher v. First Nat. Bank of Omaha, 548 F.2d 255 (8th Cir. 1977).
NE Code § 8-822 (2021)
2021 Nebraska Revised Statutes|Chapter 8 - Banks and Banking|8-822 - Personal loans; method of computation; prepayment; rebates; delinquency charges.

8-822.  Personal loans; method of computation; prepayment; rebates; delinquency charges.(1) Charges under section 8-820 shall be computed by application of the rate charged to the outstanding principal balance for the number of days actually elapsed without adding any additional charges, except that at the time the loan is made charges may be computed as a percentage per month of unpaid principal balances for the number of days elapsed on the assumption that the unpaid principal balance will be reduced, as provided in the loan contract, and such charges may be included in the scheduled installments. In the case of loans initiated by credit card or other type of transaction card, charges may be computed in any other manner agreed to by the parties and may include compounding of fees and charges.(2) If a loan is prepaid in full by cash, a new loan, or otherwise after the first installment due date, the borrower shall receive a rebate of an amount which shall be not less than the amount obtained by applying to the unpaid principal balances as originally scheduled or, if deferred, as deferred, for the period following prepayment, according to the actuarial method, the annual percentage rate previously stated to the borrower pursuant to the federal Consumer Credit Protection Act. The licensee may round the annual percentage rate to the nearest one-half of one percent if such procedure is not consistently used to obtain a greater yield than would otherwise be permitted. Any default and deferment charges which are due and unpaid may be deducted from any rebate. No rebate shall be required for any partial prepayment. No rebate of less than one dollar need be made. Acceleration of the maturity of the contract shall not in itself require a rebate. If judgment is obtained before the final installment date the contract balance shall be reduced by the rebate which would be required for prepayment in full as of the date judgment is obtained.(3) The charges retained by the bank may be increased to the extent that delinquency charges are computed on earned charges in accordance with the next succeeding sentence. Delinquency charges on any scheduled installment or portion thereof, if contracted for, may be taken, or in lieu thereof, interest after maturity on each such installment not exceeding the highest permissible interest rate.Source   Laws 1965, c. 31, § 8, p. 215;   Laws 1973, LB 164, § 24;   Laws 1974, LB 626, § 2;   Laws 1980, LB 279, § 2;   Laws 1981, LB 214, § 4;   Laws 1997, LB 137, § 10;  Laws 2000, LB 1125, § 2;  Laws 2017, LB140, § 142.
NE Code § 8-823 (2021)
2021 Nebraska Revised Statutes|Chapter 8 - Banks and Banking|8-823 - Personal loans; when repayable; exception; confession of judgment, power of attorney, and agreements; prohibited.

8-823.  Personal loans; when repayable; exception; confession of judgment, power of attorney, and agreements; prohibited.The following provisions shall apply to loans made under section 8-820:(1) With the exception of loans for mobile homes, every such loan shall be repayable within a period of one hundred forty-five months and may be prepaid in whole or in part at any time. One or more of the installments may be accelerated or deferred when the borrower's chief source of income makes such arrangement necessary, if the note or contract so provides;(2) The bank shall give the borrower a receipt showing the date and amount of each payment made on account of any such loan; and(3) No bank shall take, in connection with any such loan, any confession of judgment, power of attorney to confess judgment, power of attorney to appear for a borrower in a judicial proceeding, or agreement to pay the costs of collection or the attorney's fees.Source   Laws 1937, c. 110, § 8, p. 409;   C.S.Supp.,1941, § 81-7308;   R.S.1943, § 8-823;   Laws 1981, LB 214, § 5;   Laws 1982, LB 779, § 4.
NE Code § 8-826 (2021)
2021 Nebraska Revised Statutes|Chapter 8 - Banks and Banking|8-826 - Personal loans; duties of department.

8-826.  Personal loans; duties of department.(1) The department shall:(a) Be responsible for obtaining proper administration of sections 8-815 to 8-829 and take or cause to be taken such lawful steps as may be necessary and appropriate for the enforcement thereof; and(b) Arrange for investigation and examination of the papers and records, pertaining to loans made under section 8-820, for the purpose of discovering violations of sections 8-815 to 8-829 or securing information lawfully required under it.(2) The Director of Banking and Finance may adopt and promulgate rules and regulations to carry out and obtain compliance with sections 8-815 to 8-829.Source   Laws 1965, c. 31, § 12, p. 218;   Laws 1978, LB 641, § 3;  Laws 2017, LB140, § 143.
NE Code § 8-828 (2021)
2021 Nebraska Revised Statutes|Chapter 8 - Banks and Banking|8-828 - Personal loans; bank; purchasing and discounting commercial, negotiable, or installment paper.

8-828.  Personal loans; bank; purchasing and discounting commercial, negotiable, or installment paper.Nothing contained in sections 8-815 to 8-826 shall be construed as preventing a bank from purchasing or discounting from established business concerns any commercial, negotiable or installment paper, or as preventing any such bank from accepting from, or requiring such persons selling or offering to discount such instruments to execute, contracts guaranteeing the ultimate collection of all of such items so sold or discounted or requiring such persons to assume the burden of making collections of the individual items so sold as agent of the bank.Source   Laws 1965, c. 31, § 14, p. 218;  Laws 2017, LB140, § 144.
NE Code § 8-829 (2021)
2021 Nebraska Revised Statutes|Chapter 8 - Banks and Banking|8-829 - Violations; penalty.

8-829.  Violations; penalty.If a bank violates any provision of sections 8-820 to 8-823 in making or collecting any loan made under section 8-820, no charges of any kind shall be collected on such loan. If any charges have been collected, the bank shall forfeit to the borrower all interest collected on the loan involved and a sum equal thereto. The bank so offending shall be guilty of a Class V misdemeanor.Source   Laws 1965, c. 31, § 15, p. 219;   Laws 1977, LB 40, § 62.
NE Code § 8-905 (2021)
2021 Nebraska Revised Statutes|Chapter 8 - Banks and Banking|8-905 - Transferred to section 8-1512.

8-905.  Transferred to section 8-1512.
NE Code § 8-906 (2021)
2021 Nebraska Revised Statutes|Chapter 8 - Banks and Banking|8-906 - Transferred to section 8-1513.

8-906.  Transferred to section 8-1513.
NE Code § 8-907 (2021)
2021 Nebraska Revised Statutes|Chapter 8 - Banks and Banking|8-907 - Transferred to section 8-1514.

8-907.  Transferred to section 8-1514.
NE Code § 8-908 (2021)
2021 Nebraska Revised Statutes|Chapter 8 - Banks and Banking|8-908 - Act, how cited.

8-908.  Act, how cited.Sections 8-908 to 8-918 shall be known and may be cited as the Nebraska Bank Holding Company Act of 1995.Source   Laws 1995, LB 384, § 19;  Laws 2010, LB890, § 10.
NE Code § 8-911 (2021)
2021 Nebraska Revised Statutes|Chapter 8 - Banks and Banking|8-911 - Out-of-state bank holding company; acquisition of banks; conditions.

8-911.  Out-of-state bank holding company; acquisition of banks; conditions.(1) Upon compliance with all other provisions of the Nebraska Bank Holding Company Act of 1995 and any other applicable law, an out-of-state bank holding company may acquire a bank or banks under the act only if the bank or banks to be acquired have been chartered for five years or more.(2) An out-of-state bank holding company shall not, directly or indirectly, form, charter, or establish a bank in Nebraska or cause a bank in Nebraska to be formed, chartered, or established unless (a) the bank is formed, chartered, or established solely for the purpose of acquiring all or substantially all of the assets of a bank which has been chartered for five years or more and (b) the bank does not open for business prior to such acquisition.Source   Laws 1995, LB 384, § 22;   Laws 1998, LB 1321, § 71.
NE Code § 8-912 (2021)
2021 Nebraska Revised Statutes|Chapter 8 - Banks and Banking|8-912 - Ownership, acquisition, or control of subsidiary in foreign state; when.

8-912.  Ownership, acquisition, or control of subsidiary in foreign state; when.Upon approval of the Federal Reserve Board and upon compliance with section 8-913, a bank holding company whose home state is Nebraska may own, acquire, or control a depository institution subsidiary in any foreign state.Source  Laws 1995, LB 384, § 23.
NE Code § 8-913 (2021)
2021 Nebraska Revised Statutes|Chapter 8 - Banks and Banking|8-913 - Bank holding company; registration required; when.

8-913.  Bank holding company; registration required; when.Every bank holding company shall register with the department within thirty days after the consummation of an action set forth in section 8-910 on forms provided by the department. The forms provided by the department shall include such information with respect to the financial condition, operations, management, and intercompany relationship of the bank holding company and its subsidiaries and related matters, as the director may deem necessary or appropriate to carry out the purposes of the Nebraska Bank Holding Company Act of 1995. Upon good cause shown, the director may, in his or her discretion, extend the time within which a bank holding company shall register. A bank holding company shall amend its registration within thirty days after any additional action under section 8-910, 8-911, or 8-912.Source  Laws 1995, LB 384, § 24.
NE Code § 8-914 (2021)
2021 Nebraska Revised Statutes|Chapter 8 - Banks and Banking|8-914 - Reports required.

8-914.  Reports required.The director may require reports made under oath to be filed in the department to keep it informed as to the operation of any bank holding company.Source  Laws 1995, LB 384, § 25.
NE Code § 8-915 (2021)
2021 Nebraska Revised Statutes|Chapter 8 - Banks and Banking|8-915 - Examinations; costs; reports in lieu of examination; director; powers.

8-915.  Examinations; costs; reports in lieu of examination; director; powers.The director may make examinations of any bank holding company with one or more state-chartered bank subsidiaries and each state-chartered bank subsidiary thereof, the cost of which shall be assessed, in the manner set forth in sections 8-605 and 8-606, against and paid for by such bank holding company. The director may accept reports of examination made by the Federal Reserve Board, the Comptroller of the Currency, the Consumer Financial Protection Bureau, the Federal Deposit Insurance Corporation, or a foreign state agency in lieu of making an examination by the department. The director may provide reports of examination conducted by the department or other confidential information to any of such regulatory entities. The director may contract with any of such regulatory entities to conduct and pay for such an examination for the department. The director may contract with any of such regulatory entities to conduct and receive payment for such an examination for any of such regulatory entities. The director may enter into cooperative agreements with any or all of such regulatory entities to foster the purposes of the Nebraska Bank Holding Company Act of 1995.Source   Laws 1995, LB 384, § 26;  Laws 2007, LB124, § 15;  Laws 2013, LB213, § 12.
NE Code § 8-917 (2021)
2021 Nebraska Revised Statutes|Chapter 8 - Banks and Banking|8-917 - Rules and regulations.

8-917.  Rules and regulations.The department may adopt and promulgate rules and regulations to administer and to carry out the purposes of the Nebraska Bank Holding Company Act of 1995.Source  Laws 1995, LB 384, § 28.
NE Code § 8-918 (2021)
2021 Nebraska Revised Statutes|Chapter 8 - Banks and Banking|8-918 - Unsafe or unauthorized activities; powers of department.

8-918.  Unsafe or unauthorized activities; powers of department.If the department, upon investigation, determines that any officer or director of a bank holding company which owns or controls a state-chartered bank is conducting the business of the bank holding company or the business of its subsidiary state-chartered bank or banks in an unsafe or unauthorized manner or is endangering the interest of the bank holding company or the interest of its subsidiary state-chartered bank or banks, the department shall have authority, after notice and opportunity for hearing, to do any or all of the following: (1) Remove such officer or director of the bank holding company from acting as an officer or director of the bank holding company; and (2) impose fines and order any other necessary corrective action against such officer or director pursuant to sections 8-1,134 to 8-1,139. The department may adopt and promulgate rules and regulations to carry out this section.Source Laws 2010, LB890, § 11.
NE Code § 8-1015 (2021)
2021 Nebraska Revised Statutes|Chapter 8 - Banks and Banking|8-1015 - Transferred to section 8-1001.01.

8-1015.  Transferred to section 8-1001.01.
NE Code § 8-1101.01 (2021)
2021 Nebraska Revised Statutes|Chapter 8 - Banks and Banking|8-1101.01 - Federal rules and regulations; fair practice or ethical rules or standards; defined.

8-1101.01.  Federal rules and regulations; fair practice or ethical rules or standards; defined.For purposes of the Securities Act of Nebraska:(1) Federal rules and regulations adopted under the Investment Advisors Act of 1940 or the Securities Act of 1933 means such rules and regulations as they existed on January 1, 2021; and(2) Fair practice or ethical rules or standards promulgated by the Securities and Exchange Commission, the Financial Industry Regulatory Authority, or a self-regulatory organization approved by the Securities and Exchange Commission means such practice, rules, or standards as they existed on January 1, 2021.Source  Laws 2017, LB148, § 2;  Laws 2019, LB259, § 2;  Laws 2020, LB909, § 13;  Laws 2021, LB363, § 13.   Effective Date: March 18, 2021
NE Code § 8-1104 (2021)
2021 Nebraska Revised Statutes|Chapter 8 - Banks and Banking|8-1104 - Registration of securities; exceptions.

8-1104.  Registration of securities; exceptions.It shall be unlawful for any person to offer or sell any security in this state unless (1) such security is registered by coordination under section 8-1106 or by qualification under section 8-1107, (2) the security is exempt under section 8-1110 or is sold in a transaction exempt under section 8-1111, or (3) the security is a federal covered security.Source   Laws 1965, c. 549, § 4, p. 1773;   Laws 1997, LB 335, § 3;  Laws 2013, LB214, § 2. Annotations It is unlawful to offer or sell unregistered securities which are not exempt from registration or unless the securities are sold in an exempt transaction. Labenz v. Labenz, 198 Neb. 548, 253 N.W.2d 855 (1977).
NE Code § 8-1109.02 (2021)
2021 Nebraska Revised Statutes|Chapter 8 - Banks and Banking|8-1109.02 - Registration of securities; order of denial, suspension, or revocation; notice; request for hearing; modification of order.

8-1109.02.  Registration of securities; order of denial, suspension, or revocation; notice; request for hearing; modification of order.Upon the entry of an order denying effectiveness to or suspending or revoking the effectiveness of a registration statement to register securities under any part of section 8-1109 or 8-1109.01, the director shall promptly notify the issuer of the securities and the applicant or registrant that the order has been entered and of the reasons therefor and that any person to whom the order is directed may request a hearing within fifteen business days after the issuance of the order. Upon receipt of a written request the matter will be set down for hearing to commence within thirty business days after the receipt unless the parties consent to a later date or the director or a hearing officer sets a later date for good cause. If no hearing is requested within fifteen business days of the issuance of the order and none is ordered by the director, the order shall automatically become a final order and shall remain in effect until it is modified or vacated by the director. If a hearing is requested or ordered, the director, after notice of and opportunity for hearing to the issuer and to the applicant or registrant, shall enter his or her written findings of fact and conclusions of law and may affirm, modify, or vacate the order. The director may modify or vacate a stop order if he or she finds that the conditions which prompted its entry have changed or that it is otherwise in the public interest to do so.Source   Laws 1967, c. 29, § 4, p. 146;   Laws 1990, LB 956, § 9;  Laws 2001, LB 53, § 22;  Laws 2017, LB148, § 11.  Annotations  Failure of the Department of Banking and Finance to produce certified mail receipt is not conclusive proof that no notice was given. State v. Fries, 214 Neb. 874, 337 N.W.2d 398 (1983). The alleged failure of the department to comply with the hearing requirements of this section were collateral matters in this criminal action and could not be raised on appeal. State v. Fries, 214 Neb. 874, 337 N.W.2d 398 (1983).
NE Code § 8-1112 (2021)
2021 Nebraska Revised Statutes|Chapter 8 - Banks and Banking|8-1112 - Registrant; subject to personal jurisdiction.

8-1112.  Registrant; subject to personal jurisdiction.Registering as a broker-dealer, issuer-dealer, agent, investment adviser, or investment adviser representative under the Securities Act of Nebraska or directly or indirectly offering a security or investment adviser services in this state shall constitute sufficient contact with this state for the exercise of personal jurisdiction over such a person in any action which arises under the act.Source   Laws 1965, c. 549, § 12, p. 1790;   Laws 1973, LB 167, § 7;   Laws 1983, LB 447, § 1;   Laws 1993, LB 216, § 8.
NE Code § 8-1113 (2021)
2021 Nebraska Revised Statutes|Chapter 8 - Banks and Banking|8-1113 - False or misleading filings; unlawful.

8-1113.  False or misleading filings; unlawful.It shall be unlawful for any person to make or cause to be made, in any document filed with the director or in any proceeding under the Securities Act of Nebraska, any statement which is, at the time and in the light of the circumstances under which it is made, false or misleading in any material respect.Source   Laws 1965, c. 549, § 13, p. 1790;   Laws 1998, LB 894, § 2.