reglab/housing_qa huggingface dataset:
MN Stat § 325F.795 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325F — Consumer Protection; Products And Sales|Section 325F.795 — Unauthorized Possession Of Merchandise Pallets.

325F.795 UNAUTHORIZED POSSESSION OF MERCHANDISE PALLETS. Subdivision 1. Definitions. (a) "Merchandise" means objects, wares, goods, or commodities. (b) "Merchandise pallet" means a plastic carrier or plastic container, ranging in size from 36 inches to 54 inches with a forklift entry, used by a manufacturer or distributor to transport merchandise, which has a notice permanently affixed to it by the owner that does all of the following: (1) identifies the company name of the owner of the pallet; (2) notifies the public that the unauthorized possession of the pallet is a violation of state law; and (3) lists a telephone number or address for the owner. (c) With respect to possession of a merchandise pallet, "unauthorized person" includes anyone in possession of one or more merchandise pallets, except the following: (1) the company owner; (2) a person in lawful possession of the merchandise pallet; or (3) a person who has temporary possession of the merchandise pallet as a result of the purchase of the products or merchandise transported using the merchandise pallet. Subd. 2. Liability. An unauthorized person in possession of a merchandise pallet, or a person, other than the owner, who maliciously, with intent to damage, obliterates, removes, or distorts the owner's name on a merchandise pallet, shall be liable to the injured party as set forth in subdivision 4. Subd. 3. Evidence of ownership or rightful possession. A person who purchases or leases a merchandise pallet shall retain a copy of the bill of sale or other evidence that supports the purchase or lease. Subd. 4. Remedy. A person injured by a violation of this section may recover damages equal to three times the cost of the merchandise pallet, together with costs and disbursements, including a reasonable attorney's fee. History:   1998 c 282 s 1
MN Stat § 325F.80 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325F — Consumer Protection; Products And Sales|Section 325F.80 — Retail Sales Of Consumer Goods; Refunds.

325F.80 RETAIL SALES OF CONSUMER GOODS; REFUNDS. Subdivision 1. Definitions. For purposes of this section, the following terms have the meanings given them under this subdivision: (1) "consumer" means a natural person who buys goods for personal, family, or household purposes and not for commercial, agricultural, or business purposes; (2) "seller" means a person who regularly sells goods at retail to consumers; (3) "acceptable" means that the goods returned are in a condition acceptable to the seller using reasonable and objective standards, the goods are returned within a reasonable time from the date of purchase, and proof of purchase is presented by the consumer at time of return; (4) "cash refund" means the seller provides the consumer cash at the time of the return; or the seller mails a check to the consumer within a reasonable time following return; or, for sales involving financial transaction cards, as defined in section 325G.02, subdivision 2, or sales in which the seller extends credit to the consumer, the seller credits the account that was charged. Subd. 2. Cash refunds required. A seller may not refuse to give a cash refund to a consumer for goods that are acceptable for return unless the seller complies with subdivision 3. Subd. 3. Notice of refund policy. If a seller wishes to alter the cash refund policy required by this section, written notice of the seller's cash refund policy must be clearly and conspicuously displayed on the premises. The notice must be written in boldface type of a minimum size of 14 points. Subd. 4. Nonapplication. This section does not apply to home solicitation sales, as defined in section 325G.06, goods custom ordered or special ordered by the consumer, sellers licensed under section 168.27, or sales that are subject to a written agreement or contract under the Uniform Commercial Code. Subd. 5. Violation. A seller who violates this section is subject to the remedies under section 8.31, except that a civil penalty imposed under that section may not exceed $500 per violation. History:   1987 c 205 s 1
MN Stat § 325F.81 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325F — Consumer Protection; Products And Sales|Section 325F.81 — Replica Firearms; Warning Label.

325F.81 REPLICA FIREARMS; WARNING LABEL. Subdivision 1. Definition. For purposes of this section, "replica firearm" means a device or object that is not defined as a dangerous weapon, and that is a facsimile or toy version of, and reasonably appears to be a pistol, revolver, shotgun, sawed-off shotgun, rifle, machine gun, rocket launcher, or any other firearm. Subd. 2. Warning label required. A person may not in the regular course of business offer for sale or sell a replica firearm unless it bears a warning label complying with this section. The warning label must be affixed at the time of packaging to the replica firearm, or to the package or box containing the replica firearm, so that it is clearly visible to the buyer. Subd. 3. Label requirements. The word "warning" must be printed clearly on the label in uppercase letters that measure at least one-half inch in size centered over the body copy of the actual warning. The warning label copy must be printed in letters that measure at least 3/32 of an inch in size. The warning label must be printed in ink that strongly contrasts with the background. The warning label must state the criminal penalties under state law that may arise from use of the replica firearm, and describe the prohibited activities. Subd. 4. Enforcement. This section may be enforced by the attorney general under section 8.31, but a court may not impose a civil penalty of more than $500 for a violation of this section. History:   1988 c 712 s 4
MN Stat § 325F.82 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325F — Consumer Protection; Products And Sales|Section 325F.82 — Definitions.

325F.82 DEFINITIONS. Subdivision 1. Scope. For the purposes of section 325F.83, the terms defined in this section have the meanings given them. Subd. 2. Automatic garage door opening system. "Automatic garage door opening system" means a system of devices and equipment that, when connected to a garage door, automatically opens and closes a garage door. Subd. 3. Garage. "Garage" means a building, or a portion of a building, designed or used for the storage, repair, or keeping of a motor vehicle. Subd. 4. Residential building. "Residential building" means a building such as a home or apartment for one or more families or persons that includes an attached or unattached garage. Subd. 5. Automatic reversing requirement. "Automatic reversing requirement" means the requirements specified in paragraphs 30.1 and 30.2 of Underwriters Laboratories, Inc., Standards for Safety-UL 325, third edition, as revised May 4, 1988, for a residential automatic garage door opening system or the requirements specified in paragraph 29.1 of Underwriters Laboratories, Inc., Standards for Safety-UL 325, third edition, as revised May 4, 1988, for a commercial vehicular door operator. History:  1990 c 414 s 2; 1991 c 10 s 1,2
MN Stat § 325F.84 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325F — Consumer Protection; Products And Sales|Section 325F.84 — Definitions.

325F.84 DEFINITIONS. Subdivision 1. Applicability. As used in sections 325F.84 to 325F.97, the following terms have the meanings given them. Subd. 2. Advertisement. "Advertisement" means a commercial message in any medium, including signs, window displays, and price tags, that promotes, directly or indirectly, a rental-purchase agreement. Subd. 3. Cash price. "Cash price" means an amount equal to the equivalent fair market value for goods offered under a consumer credit sale as provided under section 325G.15. Subd. 4. Consummation. "Consummation" means the time at which the lessee enters into a rental-purchase agreement. Subd. 5. Lessee. "Lessee" means a natural person who rents personal property under a rental-purchase agreement for personal, family, or household use. Subd. 6. Lessor. "Lessor" means a person who, in the ordinary course of business, regularly leases, offers to lease, or arranges for the leasing of property under a rental-purchase agreement. Subd. 7. Personal property. "Personal property" means property that is not real property under the laws of this state when it is made available for a rental-purchase agreement. Subd. 8. Rental-purchase agreement. "Rental-purchase agreement" means an agreement for the use of personal property in which all of the following apply: (1) the lessor is regularly engaged in the rental-purchase business; (2) the agreement is for an initial period of four months or less, whether or not there is any obligation beyond the initial period, that is automatically renewable with each payment and that permits the lessee to become the owner of the property; (3) the lessee is a person other than an organization; and (4) the lessee takes under the rental-purchase agreement primarily for a personal, family, or household purpose. History:  1990 c 527 s 1; 1997 c 7 art 2 s 71
MN Stat § 325F.85 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325F — Consumer Protection; Products And Sales|Section 325F.85 — Application Of Other Law.

325F.85 APPLICATION OF OTHER LAW. If the consumer protection provisions of sections 325F.84 to 325F.97 conflict with sections 325G.15 and 325G.16, sections 325F.84 to 325F.97 apply to a rental-purchase agreement and supersede sections 325G.15 and 325G.16. History:   1990 c 527 s 2
MN Stat § 325F.86 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325F — Consumer Protection; Products And Sales|Section 325F.86 — Disclosures.

325F.86 DISCLOSURES. In a rental-purchase agreement, the lessor shall disclose the following items, as applicable: (a) The total of payments necessary to acquire ownership of the property accompanied by an explanation that this term means the "total dollar amount of payments you will have to make to acquire ownership." (b) The total number, amounts, and timing of all payments and other charges including taxes or official fees paid to or through the lessor that are necessary to acquire ownership of the property. (c) The difference between the amount disclosed under paragraph (a) and the cash price of the leased property, using the term "cost of lease services" to mean the difference between these amounts. (d) Any initial or advance payment such as a delivery charge or trade-in allowance. (e) A statement that the lessee will not own the property until the lessee has made the total of payments necessary to acquire ownership of the property. (f) A statement that the total of payments does not include additional charges such as late payment charges, and a separate listing and explanation of these charges, as applicable. (g) A statement that the lessee is liable for loss or damage to the property and the maximum amount for which the lessee is liable, which in the case of loss shall in no event be greater than the price the lessee would have paid to exercise an early purchase option. In the case of damage to the property other than normal wear and tear, the lessee shall be liable for the lesser of the price the lessee would have paid to exercise an early purchase option or the cost of repair as reasonably determined by the lessor. (h) A statement that the lessee is not required to purchase a liability damage waiver from the lessor. (i) A description of the goods or merchandise including model numbers as applicable and a statement indicating whether the property is new or used. It is not a violation of this subdivision to indicate that the property is used if it is actually new. (j) A statement that the lessee has the option to purchase the leased property during the terms of the rental-purchase agreement and at what price, formula, or by what method the price is to be determined. (k) The cash price of the merchandise. (l) A statement of the following lessee rights: reinstatement rights under section 325F.90, default notice under section 325F.89, and consumer warranties under sections 325G.17 to 325G.20. The commissioner of commerce may prescribe the disclosure form by rule. History:   1990 c 527 s 3
MN Stat § 325F.87 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325F — Consumer Protection; Products And Sales|Section 325F.87 — Form Requirements.

325F.87 FORM REQUIREMENTS. Subdivision 1. Generally. The disclosure information required by section 325F.86 must be disclosed in a rental-purchase agreement and: (1) must be made clearly and conspicuously with items appearing in logical order and segregated as appropriate for readability and clarity; (2) must be made in writing; (3) need not be contained in a single writing or made in the order set forth in section 325F.86; and (4) may be supplemented by additional information or explanations supplied by the lessor, but none shall be stated, used, or placed so as to mislead or confuse the lessee or to contradict, obscure, or detract attention from the information required by section 325F.86, and so long as the additional information or explanations do not have the effect of circumventing, evading, or unduly complicating the information required to be disclosed by section 325F.86. Subd. 2. Timing. The lessor shall disclose all information required by section 325F.86 before the rental-purchase agreement is executed. These disclosures must be made on the face of the writing evidencing the rental-purchase agreement. Subd. 3. Copy to lessee. Before any payment is due, the lessor shall furnish the lessee with an exact copy of each rental-purchase agreement. The agreement shall be signed by the lessee and is evidence of the lessee's agreement. If there is more than one lessee in a rental-purchase agreement, delivery of a copy of the rental-purchase agreement to one of the lessees constitutes compliance with this subdivision; however, a lessee not signing the agreement is not liable under it. Subd. 4. Type size. The terms of the rental-purchase agreement, except as otherwise provided in this section, must be set forth in not less than eight-point standard type. Subd. 5. Blank spaces. All blank spaces on the rental-purchase agreement form must be filled in before the rental-purchase agreement is executed. Blank spaces that are provided for items or terms not applicable to the agreement must be crossed out. History:   1990 c 527 s 4
MN Stat § 325F.88 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325F — Consumer Protection; Products And Sales|Section 325F.88 — Advertising.

325F.88 ADVERTISING. Subdivision 1. Prohibition. An advertisement for a rental-purchase agreement shall not state or imply that a specific item is available at specific amounts or terms unless the lessor usually and customarily offers or will offer that item at those amounts or terms. Subd. 2. Disclosures. (a) If an advertisement for a rental-purchase agreement refers to or states the amount of any payment or the right to acquire ownership for a specific item, the advertisement must also clearly and conspicuously state the following terms, as applicable: (1) that the transaction advertised is a rental-purchase agreement; (2) the total of payments necessary to acquire ownership; and (3) that the lessee will not own the property until the total amount necessary to acquire ownership is paid in full or by prepayment as provided for by law. (b) Every item displayed or offered under a rental-purchase agreement shall have clearly and conspicuously indicated in Arabic numerals, so as to be readable and understandable by visual inspection, each of the following affixed to the item: (1) the cash price of the item; and (2) the amount of the lease payment and the total of lease payments required for ownership. Subd. 3. Nonapplication. This section does not apply to the owner or personnel, as such, of any medium in which an advertisement appears or through which it is disseminated. History:   1990 c 527 s 5
MN Stat § 325F.89 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325F — Consumer Protection; Products And Sales|Section 325F.89 — Default.

325F.89 DEFAULT. Subdivision 1. Enforceability. An agreement of the parties to a rental-purchase agreement with respect to default is enforceable only to the extent that one of the following apply: (1) the lessee both fails to renew an agreement and also fails to return the property or make arrangements for its return as provided in the agreement; or (2) the prospect of payment, performance, or return of the property is materially impaired due to a breach of the rental-purchase agreement, with the burden of establishing the prospect of material impairment on the lessor. Subd. 2. Authorization. If a lessee has been in default for three business days, the lessor may give the lessee a default notice and request surrender of the property as provided under subdivision 3. Mailing written notice to the last known address of the lessee meets the requirement of giving written notice under subdivision 3. Subd. 3. Default notice. The first default notice and a subsequent default notice that is sent more than 12 months after sending the last written notice must be in writing and conspicuously state the following: (1) the name, address, and telephone number of the lessor to whom payment is to be made; (2) a brief identification of the transaction; (3) the lessee's right to cure the default; (4) the amount of payment and date by which payment must be made to cure the default; (5) a statement of the lessee's reinstatement rights as provided under section 325F.90; and (6) a request to voluntarily surrender the property if the payment is not made. A subsequent default notice given within the 12 months after a written default notice may be given orally and constitutes proper notice under this section. Subd. 4. Property recovery. A lessor may not bring a court action to recover the property until seven days after a proper default notice has been given. Subd. 5. Voluntary surrender of property. This section does not prohibit a lessee from voluntarily surrendering possession of the property or the lessor from enforcing a past due obligation which the lessee may have at any time after default. Subd. 6. Compliance. If the lessee cures the default by taking the action required in the default notice, a breach of the agreement is considered as not having occurred. History:   1990 c 527 s 6
MN Stat § 325F.90 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325F — Consumer Protection; Products And Sales|Section 325F.90 — Lessee's Reinstatement Rights.

325F.90 LESSEE'S REINSTATEMENT RIGHTS. Subdivision 1. Generally. A lessee who fails to make timely lease payments may reinstate the original rental-purchase agreement without losing any rights or options previously acquired under the rental-purchase agreement if both of the following apply: (1) after having failed to make a timely payment, the lessee has surrendered the property to the lessor within seven days of a request to surrender the property made by the lessor as provided in section 325F.89; and (2) in the case of a lessee that has paid less than 60 percent of the total of payments necessary to acquire ownership of the property, not more than 60 days have passed since the lessee returned the property. If the lessee has paid more than 60 percent of the total of payments necessary to acquire ownership of the property, the lessee's rights to reinstate shall be extended for a period of not less than 180 days after the lessee has returned the property. Subd. 2. Charges. As a condition to reinstating a rental-purchase agreement, a lessor may charge the outstanding balance of any accrued payments; a reinstatement fee not to exceed $5 for each reinstatement; and a delivery charge not to exceed $15 for five items or less or $30 for more than five items, if redelivery of the item is necessary. Subd. 3. Substitute items. If reinstatement occurs as provided in this section, the lessor shall provide the lessee with the same item, if available, leased by the lessee before reinstatement. If the same item is not available, a substitute item of comparable worth, quality, and condition may be used. If a substitute item is provided, the lessor shall provide the lessee with all the information required by section 325F.86. History:   1990 c 527 s 7
MN Stat § 325F.91 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325F — Consumer Protection; Products And Sales|Section 325F.91 — Prohibited Practices.

325F.91 PROHIBITED PRACTICES. Subdivision 1. Prohibited rental agreement provisions. A rental-purchase agreement may not contain a provision: (1) requiring a confession of judgment; (2) authorizing a lessor or an agent of the lessor to commit a breach of the peace in the repossession of property; (3) waiving a defense, counterclaim, or right the lessee may have against the lessor or an agent of the lessor; (4) requiring the payment of a late charge unless a lease payment is delinquent for more than two business days for a weekly lease or three business days for a monthly lease, and the charge or fee shall not be in an amount more than the greater of five percent of the delinquent lease payment or $3; (5) requiring a separate payment in addition to lease payments in order to acquire ownership of the property, other than by exercising an early purchase option pursuant to section 325F.93; and (6) authorizing a lessor to charge a penalty for early termination of a rental-purchase agreement. Subd. 2.  [Repealed, 1995 c 202 art 3 s 22] Subd. 3. Delivery charges; security deposits; collection fees. A lessor may not charge a delivery charge that is greater than $15 for five items or less or $30 for more than five items. A lessor may not charge a security deposit. A lessor may contract for and receive a charge for picking up payments from the lessee if the lessor is required or requested to visit the lessee's dwelling to pick up a payment. In a consumer rental-purchase agreement with payment or renewal dates which are more frequent than monthly, this charge shall not be assessed more than three times in any three-month period. In consumer rental-purchase agreements with payments or renewal options which are at least monthly, this charge shall not be assessed more than three times in any six-month period. A charge assessed pursuant to this subdivision shall not exceed $7. This charge is in lieu of a late charge assessed for the applicable payment period. History:   1990 c 527 s 8
MN Stat § 325F.93 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325F — Consumer Protection; Products And Sales|Section 325F.93 — Early Purchase Option.

325F.93 EARLY PURCHASE OPTION. At any time after the first periodic payment is made, the lessee may acquire ownership of the property by tendering 55 percent of the difference between the total of scheduled payments and the total amount paid on the account. History:   1990 c 527 s 10
MN Stat § 325F.94 (2021)
2021 Minnesota Statutes|Chapters 324 - 341 — Trade Regulations, Consumer Protection|Chapter 325F — Consumer Protection; Products And Sales|Section 325F.94 — Claims And Defenses.

325F.94 CLAIMS AND DEFENSES. An assignee of the contract or obligation relating to the rental-purchase lease transaction is subject to all claims and defenses of the lessee against the lessor arising from the rental-purchase lease transaction, notwithstanding any agreement to the contrary. History:   1990 c 527 s 11