reglab/housing_qa huggingface dataset:
ID Code § 26-31-311 (2021)
2021 Idaho Code|Title 26 - BANKS AND BANKING|Chapter 31 - IDAHO RESIDENTIAL MORTGAGE PRACTICES ACT|Part 3 - PROVISIONS APPLICABLE TO MORTGAGE LOAN ORIGINATORS|Section 26-31-311 - AUTHORITY TO REQUIRE LICENSE AND REGISTRATION.

26-31-311. AUTHORITY TO REQUIRE LICENSE AND REGISTRATION. In addition to any other duties imposed upon the director by law, the director shall require mortgage loan originators to be licensed and registered through the NMLSR. In order to carry out this requirement the director is authorized to participate in the NMLSR. For this purpose, the director may establish by rule or order requirements for licensure as a mortgage loan originator, as necessary including, but not limited to: (1) Background checks, to include: (a) Criminal history, through fingerprint or other databases; (b) Civil or administrative records; (c) Credit history; and (d) Any other information as deemed necessary by the NMLSR. (2) The setting or resetting as necessary of renewal or reporting dates; and (3) Requirements for amending or surrendering a license or any other such activities as the director deems necessary for participation in the NMLSR.  History: [26-31-311, added 2009, ch. 97, sec. 2, p. 303.]
ID Code § 26-31-312 (2021)
2021 Idaho Code|Title 26 - BANKS AND BANKING|Chapter 31 - IDAHO RESIDENTIAL MORTGAGE PRACTICES ACT|Part 3 - PROVISIONS APPLICABLE TO MORTGAGE LOAN ORIGINATORS|Section 26-31-312 - NATIONWIDE MORTGAGE LICENSING SYSTEM AND REGISTRY INFORMATION CHALLENGE PROCESS.

26-31-312. NATIONWIDE MORTGAGE LICENSING SYSTEM AND REGISTRY INFORMATION CHALLENGE PROCESS. The director shall establish a process whereby mortgage loan originators may challenge the information entered into the NMLSR by the director.  History: [26-31-312, added 2009, ch. 97, sec. 2, p. 303.]
ID Code § 26-31-313 (2021)
2021 Idaho Code|Title 26 - BANKS AND BANKING|Chapter 31 - IDAHO RESIDENTIAL MORTGAGE PRACTICES ACT|Part 3 - PROVISIONS APPLICABLE TO MORTGAGE LOAN ORIGINATORS|Section 26-31-313 - ENFORCEMENT AUTHORITY, VIOLATIONS AND PENALTIES.

26-31-313. ENFORCEMENT AUTHORITY, VIOLATIONS AND PENALTIES. (1) In order to ensure the effective supervision and enforcement of this part, the director may, pursuant to chapter 52, title 67, Idaho Code: (a) Deny, suspend, revoke, condition or decline to renew a license for a violation of this chapter, or rule or order issued under this chapter; (b) Deny, suspend, revoke, condition or decline to renew a license if an applicant or licensee under this part fails at any time to meet the requirements of section 26-31-306, Idaho Code, or section 26-31-309, Idaho Code, or withholds information or makes a material misstatement in an application for a license or renewal of a license; (c) Deny, suspend, revoke, condition or decline to renew a license if the applicant has violated any state or federal law, rule or regulation pertaining to mortgage brokering, mortgage lending or loan origination activities; (d) Order restitution against persons subject to this part for violations of this part; (e) Impose penalties on persons subject to this part pursuant to subsections (2) through (4) of this section; and (f) Issue orders under this part as follows: (i) Order persons subject to this part to cease and desist from conducting business, including immediate temporary orders to cease and desist; (ii) Order persons subject to this part to cease any harmful activities or violations of this part, including immediate temporary orders to cease and desist; (iii) Enter immediate temporary orders to cease business under a license or interim license issued pursuant to this part, if the director determines that such license was erroneously granted or the licensee is currently in violation of this part; (iv) Order such other affirmative action as the director deems necessary. (2) The director may impose a civil penalty upon a mortgage loan originator or other person subject to this part if the director finds on the record, after notice and the opportunity for a hearing, that such mortgage loan originator or other person subject to this part has violated or failed to comply with any requirement of this part or any rule promulgated or order issued by the director under this chapter and pertinent to this part. (3) The maximum amount of penalty for each act or omission described in subsection (2) of this section shall be twenty-five thousand dollars ($25,000). (4) Each violation of this part, or failure to comply with any rule promulgated or order issued by the director under this chapter and pertinent to this part, is a separate and distinct violation or failure.  History: [26-31-313, added 2009, ch. 97, sec. 2, p. 303.]
ID Code § 26-31-314 (2021)
2021 Idaho Code|Title 26 - BANKS AND BANKING|Chapter 31 - IDAHO RESIDENTIAL MORTGAGE PRACTICES ACT|Part 3 - PROVISIONS APPLICABLE TO MORTGAGE LOAN ORIGINATORS|Section 26-31-314 - REMEDIES AVAILABLE TO THE DEPARTMENT.

26-31-314. REMEDIES AVAILABLE TO THE DEPARTMENT. (1) If the director determines that a person subject to this part has engaged in or is about to engage in any act or practice constituting a violation of any provision of the truth in lending act, the real estate settlement procedures act, regulation X, regulation Z or of this part or any rule promulgated or order issued under this chapter and pertinent to this part, then the director may bring an action in any court of competent jurisdiction, and upon a showing of any violation, there shall be granted any or all of the following: (a) A writ or order restraining or enjoining, temporarily or permanently, any act or practice violating any provision of this part or any rule promulgated or order issued under this chapter and pertinent to this part, and to enforce compliance with this part or any rule promulgated or order issued under this chapter and pertinent to this part; (b) An order that the person violating any provision of this part, or a rule promulgated or order issued under this chapter and pertinent to this part pay a civil penalty to the department in an amount not to exceed twenty-five thousand dollars ($25,000) for each violation; (c) An order allowing the director to recover costs, which may include investigative expenses and attorney’s fees; (d) A declaratory judgment that a particular act, practice or method is a violation of the provisions of this part; (e) Other appropriate remedies including restitution to borrowers. (2) If the director finds that a person subject to this part has violated, is violating, or that there is reasonable cause to believe that a person is about to violate the provisions of this part, or any rule promulgated or order issued under this chapter and pertinent to this part, the director may, in his discretion, order the person to cease and desist from the violations.  History: [26-31-314, added 2009, ch. 97, sec. 2, p. 304.]
ID Code § 26-31-315 (2021)
2021 Idaho Code|Title 26 - BANKS AND BANKING|Chapter 31 - IDAHO RESIDENTIAL MORTGAGE PRACTICES ACT|Part 3 - PROVISIONS APPLICABLE TO MORTGAGE LOAN ORIGINATORS|Section 26-31-315 - CONFIDENTIALITY.

26-31-315. CONFIDENTIALITY. In order to promote effective regulation and reduce regulatory burden through supervisory information sharing: (1) Except as otherwise provided in section 1512, P.L. 110-289, the requirements under any federal law or chapter 1, title 74, Idaho Code, regarding the privacy or confidentiality of any information or material provided to the NMLSR, and any privilege arising under federal or Idaho state law, including the rules of any federal or Idaho state court, with respect to such information or material, shall continue to apply to such information or material after the information or material has been disclosed to the NMLSR. Such information and material may be shared with all state and federal regulatory officials having mortgage industry oversight authority without the loss of privilege or the loss of confidentiality protections provided by federal law or chapter 1, title 74, Idaho Code. (2) For these purposes, the director is authorized to enter into agreements or sharing arrangements with other governmental agencies, the conference of state bank supervisors, the American association of residential mortgage regulators or other associations representing governmental agencies as established by rule or order of the director. (3) Information or material that is subject to a privilege or confidentiality under subsection (1) of this section shall not be subject to: (a) Disclosure under any federal or state law governing the disclosure to the public of information held by an officer or an agency of the federal government or the respective state; or (b) Subpoena or discovery, or admission into evidence, in any private civil action or administrative process, unless with respect to any privilege held by the NMLSR with respect to such information or material, the person to whom such information or material pertains waives, in whole or in part, in the discretion of such person, that privilege. (4) Coordination with chapter 1, title 74, Idaho Code, relating to the disclosure of confidential supervisory information or any information or material described in subsection (1) of this section that is inconsistent with subsection (1) shall be superseded by the requirements of this section. (5) This section shall not apply with respect to the information or material relating to the employment history of, and publicly adjudicated disciplinary and enforcement actions against, mortgage loan originators that is included in the NMLSR for access by the public.  History: [26-31-315, added 2009, ch. 97, sec. 2, p. 304; am. 2015, ch. 141, sec. 47, p. 416.]
ID Code § 26-31-318 (2021)
2021 Idaho Code|Title 26 - BANKS AND BANKING|Chapter 31 - IDAHO RESIDENTIAL MORTGAGE PRACTICES ACT|Part 3 - PROVISIONS APPLICABLE TO MORTGAGE LOAN ORIGINATORS|Section 26-31-318 - UNLAWFUL ACTS.

26-31-318. UNLAWFUL ACTS. Any person, not exempt under the provisions of this part, who engages in mortgage loan origination activities without first obtaining a mortgage loan originator license or without first registering as a mortgage loan originator in accordance with the requirements of this part, shall be guilty of a felony.  History: [26-31-318, added 2009, ch. 97, sec. 2, p. 308.]
ID Code § 26-31-319 (2021)
2021 Idaho Code|Title 26 - BANKS AND BANKING|Chapter 31 - IDAHO RESIDENTIAL MORTGAGE PRACTICES ACT|Part 3 - PROVISIONS APPLICABLE TO MORTGAGE LOAN ORIGINATORS|Section 26-31-319 - NONFEDERALLY INSURED CREDIT UNIONS.

26-31-319. NONFEDERALLY INSURED CREDIT UNIONS. Nonfederally insured credit unions which employ loan originators, as defined in P.L. 110-289, shall register such loan originators with the NMLSR by furnishing the information concerning the loan originators’ identities set forth in section 1507(a)(2), P.L. 110-289.  History: [26-31-319, added 2009, ch. 97, sec. 2, p. 308.]
ID Code § 26-31-320 (2021)
2021 Idaho Code|Title 26 - BANKS AND BANKING|Chapter 31 - IDAHO RESIDENTIAL MORTGAGE PRACTICES ACT|Part 3 - PROVISIONS APPLICABLE TO MORTGAGE LOAN ORIGINATORS|Section 26-31-320 - UNIQUE IDENTIFIER DISCLOSURE.

26-31-320. UNIQUE IDENTIFIER DISCLOSURE. The unique identifier of any person engaged in the origination of a residential mortgage loan shall be clearly displayed on all residential mortgage loan application forms, solicitations or advertisements, including business cards, websites and other forms of media, and any other document required by rule promulgated under this chapter or order issued by the director under this chapter and pertinent to this part.  History: [26-31-320, added 2009, ch. 97, sec. 2, p. 308; am. 2013, ch. 64, sec. 21, p. 161.]
ID Code § 26-31-321 (2021)
2021 Idaho Code|Title 26 - BANKS AND BANKING|Chapter 31 - IDAHO RESIDENTIAL MORTGAGE PRACTICES ACT|Part 3 - PROVISIONS APPLICABLE TO MORTGAGE LOAN ORIGINATORS|Section 26-31-321 - SEVERABILITY.

26-31-321. SEVERABILITY. The provisions of this act are hereby declared to be severable and if any provision of this act or the application of such provision to any person or circumstance is declared invalid for any reason, such declaration shall not affect the validity of the remaining portions of this act.  History: [26-31-321, added 2009, ch. 97, sec. 2, p. 308.]
ID Code § 28-1-101 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 1 - UNIFORM COMMERCIAL CODE — GENERAL PROVISIONS|Part 1 - GENERAL PROVISIONS|Section 28-1-101 - SHORT TITLES.

28-1-101. SHORT TITLES. (a) This title shall be known and may be cited as the Uniform Commercial Code. (b) This chapter may be cited as "Uniform Commercial Code — General Provisions."  History: [28-1-101, added 1967, ch. 161, sec. 1-101, p. 351; am. 2004, ch. 43, sec. 2, p. 137.]
ID Code § 28-1-102 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 1 - UNIFORM COMMERCIAL CODE — GENERAL PROVISIONS|Part 1 - GENERAL PROVISIONS|Section 28-1-102 - SCOPE OF CHAPTER.

28-1-102. SCOPE OF CHAPTER. This chapter applies to a transaction to the extent that it is governed by another chapter of the uniform commercial code.  History: [28-1-102, added 2004, ch. 43, sec. 3, p. 138.]
ID Code § 28-1-103 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 1 - UNIFORM COMMERCIAL CODE — GENERAL PROVISIONS|Part 1 - GENERAL PROVISIONS|Section 28-1-103 - CONSTRUCTION OF UNIFORM COMMERCIAL CODE TO PROMOTE ITS PURPOSES AND POLICIES — APPLICABILITY OF SUPPLEMENTAL PRINCIPLES OF LAW.

28-1-103. CONSTRUCTION OF UNIFORM COMMERCIAL CODE TO PROMOTE ITS PURPOSES AND POLICIES — APPLICABILITY OF SUPPLEMENTAL PRINCIPLES OF LAW. (a) The uniform commercial code shall be liberally construed and applied to promote its underlying purposes and policies, which are: (1) To simplify, clarify, and modernize the law governing commercial transactions; (2) To permit the continued expansion of commercial practices through custom, usage, and agreement of the parties; and (3) To make uniform the law among the various jurisdictions. (b) Unless displaced by the particular provisions of the uniform commercial code, the principles of law and equity, including the law merchant and the law relative to capacity to contract, principal and agent, estoppel, fraud, misrepresentation, duress, coercion, mistake, bankruptcy, and other validating or invalidating cause supplement its provisions.  History: [(28-1-103) 28-1-102, added 1967, ch. 161, sec. 1-102, p. 351; am. and redesig. 2004, ch. 43, sec. 5, p. 138.]
ID Code § 28-1-104 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 1 - UNIFORM COMMERCIAL CODE — GENERAL PROVISIONS|Part 1 - GENERAL PROVISIONS|Section 28-1-104 - CONSTRUCTION AGAINST IMPLIED REPEAL.

28-1-104. CONSTRUCTION AGAINST IMPLIED REPEAL. The uniform commercial code being a general act intended as a unified coverage of its subject matter, no part of it shall be deemed to be impliedly repealed by subsequent legislation if such construction can reasonably be avoided.  History: [28-1-104, added 1967, ch. 161, sec. 1-104, p. 351; am. 2004, ch. 43, sec. 6, p. 139.]
ID Code § 28-1-105 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 1 - UNIFORM COMMERCIAL CODE — GENERAL PROVISIONS|Part 1 - GENERAL PROVISIONS|Section 28-1-105 - SEVERABILITY.

28-1-105. SEVERABILITY. If any provision or clause of the uniform commercial code or its application to any person or circumstance is held invalid, the invalidity shall not affect other provisions or applications of the uniform commercial code which can be given effect without the invalid provision or application, and to this end the provisions of the uniform commercial code are severable.  History: [(28-1-105) 28-1-108, added 1967, ch. 161, sec. 1-108, p. 351; am. and redesig. 2004, ch. 43, sec. 7, p. 139.]
ID Code § 28-1-106 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 1 - UNIFORM COMMERCIAL CODE — GENERAL PROVISIONS|Part 1 - GENERAL PROVISIONS|Section 28-1-106 - USE OF SINGULAR AND PLURAL — GENDER.

28-1-106. USE OF SINGULAR AND PLURAL — GENDER. In the uniform commercial code, unless the statutory context otherwise requires: (1) Words in the singular number include the plural, and those in the plural include the singular; and (2) Words of any gender also refer to any other gender.  History: [28-1-106, added 2004, ch. 43, sec. 8, p. 139.]
ID Code § 28-1-107 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 1 - UNIFORM COMMERCIAL CODE — GENERAL PROVISIONS|Part 1 - GENERAL PROVISIONS|Section 28-1-107 - SECTION CAPTIONS.

28-1-107. SECTION CAPTIONS. Section captions are part of the uniform commercial code.  History: [28-1-107, added 2004, ch. 43, sec. 9, p. 139.]
ID Code § 28-1-108 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 1 - UNIFORM COMMERCIAL CODE — GENERAL PROVISIONS|Part 1 - GENERAL PROVISIONS|Section 28-1-108 - RELATION TO ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT.

28-1-108. RELATION TO ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT. This chapter modifies, limits, and supersedes the federal Electronic Signatures in Global and National Commerce Act, 15 U.S.C. section 7001 et seq., except that nothing in this chapter modifies, limits, or supersedes section 7001(c) of that act or authorizes electronic delivery of any of the notices described in section 7003(b) of that act.  History: [28-1-108, added 2004, ch. 43, sec. 10, p. 139.]
ID Code § 28-1-202 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 1 - UNIFORM COMMERCIAL CODE — GENERAL PROVISIONS|Part 2 - GENERAL DEFINITIONS AND PRINCIPLES OF INTERPRETATION|Section 28-1-202 - NOTICE — KNOWLEDGE.

28-1-202. NOTICE — KNOWLEDGE. (a) Subject to subsection (f) of this section, a person has "notice" of a fact if the person: (1) Has actual knowledge of it; (2) Has received a notice or notification of it; or (3) From all the facts and circumstances known to the person at the time in question, has reason to know that it exists. (b) "Knowledge" means actual knowledge. "Knows" has a corresponding meaning. (c) "Discover," "learn," or words of similar import refer to knowledge rather than to reason to know. (d) A person "notifies" or "gives" a notice or notification to another person by taking such steps as may be reasonably required to inform the other person in ordinary course, whether or not the other person actually comes to know of it. (e) Subject to subsection (f) of this section, a person "receives" a notice or notification when: (1) It comes to that person’s attention; or (2) It is duly delivered in a form reasonable under the circumstances at the place of business through which the contract was made or at another location held out by that person as the place for receipt of such communications. (f) Notice, knowledge, or a notice or notification received by an organization is effective for a particular transaction from the time it is brought to the attention of the individual conducting that transaction and, in any event, from the time it would have been brought to the individual’s attention if the organization had exercised due diligence. An organization exercises due diligence if it maintains reasonable routines for communicating significant information to the person conducting the transaction and there is reasonable compliance with the routines. Due diligence does not require an individual acting for the organization to communicate information unless the communication is part of the individual’s regular duties or the individual has reason to know of the transaction and that the transaction would be materially affected by the information.  History: [28-1-202, added 2004, ch. 43, sec. 12, p. 146.]
ID Code § 28-1-204 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 1 - UNIFORM COMMERCIAL CODE — GENERAL PROVISIONS|Part 2 - GENERAL DEFINITIONS AND PRINCIPLES OF INTERPRETATION|Section 28-1-204 - VALUE.

28-1-204. VALUE. Except as otherwise provided in chapters 3, 4, 5 and 6, title 28, Idaho Code, a person gives value for rights if the person acquires them: (1) In return for a binding commitment to extend credit or for the extension of immediately available credit, whether or not drawn upon and whether or not a charge-back is provided for in the event of difficulties in collection; (2) As security for, or in total or partial satisfaction of, a preexisting claim; (3) By accepting delivery under a preexisting contract for purchase; or (4) In return for any consideration sufficient to support a simple contract.  History: [28-1-204, added 2004, ch. 43, sec. 14, p. 148.]
ID Code § 28-1-205 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 1 - UNIFORM COMMERCIAL CODE — GENERAL PROVISIONS|Part 2 - GENERAL DEFINITIONS AND PRINCIPLES OF INTERPRETATION|Section 28-1-205 - REASONABLE TIME — SEASONABLENESS.

28-1-205. REASONABLE TIME — SEASONABLENESS. (a) Whether a time for taking an action required by the uniform commercial code is reasonable depends on the nature, purpose, and circumstances of the action. (b) An action is taken seasonably if it is taken at or within the time agreed or, if no time is agreed, at or within a reasonable time.  History: [(28-1-205) 28-1-204, added 1967, ch. 161, sec. 1-204, p. 351; am. and redesig. 2004, ch. 43, sec. 15, p. 148.]
ID Code § 28-1-206 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 1 - UNIFORM COMMERCIAL CODE — GENERAL PROVISIONS|Part 2 - GENERAL DEFINITIONS AND PRINCIPLES OF INTERPRETATION|Section 28-1-206 - PRESUMPTIONS.

28-1-206. PRESUMPTIONS. Whenever the uniform commercial code creates a "presumption" with respect to a fact, or provides that a fact is "presumed," the trier of fact must find the existence of the fact unless and until evidence is introduced that supports a finding of its nonexistence.  History: [28-1-206, added 2004, ch. 43, sec. 17, p. 148.]
ID Code § 28-1-301 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 1 - UNIFORM COMMERCIAL CODE — GENERAL PROVISIONS|Part 3 - TERRITORIAL APPLICABILITY AND GENERAL RULES|Section 28-1-301 - TERRITORIAL APPLICATION OF THE UNIFORM COMMERCIAL CODE — PARTIES’ POWER TO CHOOSE APPLICABLE LAW.

28-1-301. TERRITORIAL APPLICATION OF THE UNIFORM COMMERCIAL CODE — PARTIES’ POWER TO CHOOSE APPLICABLE LAW. (a) Except as provided hereafter in this section, when a transaction bears a reasonable relation to this state and also to another state or nation the parties may agree that the law either of this state or of such other state or nation shall govern their rights and duties. Failing such agreement the uniform commercial code applies to transactions bearing an appropriate relation to this state. (b) Where one (1) of the following provisions of the uniform commercial code specifies the applicable law, that provision governs and a contrary agreement is effective only to the extent permitted by the law, including the conflict of laws rules, so specified: Rights of creditors against sold goods. Section 28-2-402, Idaho Code. Applicability of the chapter on leases. Sections 28-12-105 and 28-12-106, Idaho Code. Applicability of the chapter on bank deposits and collections. Section 28-4-102, Idaho Code. Governing law in the part on funds transfers. Section 28-4-638, Idaho Code. Letters of credit. Section 28-5-116, Idaho Code. Applicability of the chapter on investment securities. Section 28-8-110, Idaho Code. Law governing perfection, the effect of perfection or nonperfection, the priority of security interests and agricultural liens. Sections 28-9-301 through 28-9-307, Idaho Code.  History: [(28-1-301) 28-1-105, added 1967, ch. 161, sec. 1-105, p. 351; am. 1991, ch. 135, sec. 2, p. 318; am. 1993, ch. 287, sec. 2, p. 1013; am. 1993, ch. 288, sec. 47, p. 1074; am. 1995, ch. 272, sec. 16, p. 916; am. 1996, ch. 7, sec. 3, p. 19; am. 2001, ch. 208, sec. 3, p. 800; am. and redesig. 2004, ch. 43, sec. 19, p. 149.]