reglab/housing_qa huggingface dataset:
MI Comp L § 445.869 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 224 of 1966 - Retail Installment Sales Act (445.851 - 445.873)|Section 445.869 - Violation of Act; Actions; Penalties.

445.869 Violation of act; actions; penalties. Sec. 19.  (1) The attorney general, the prosecuting attorney for the county where an alleged violation occurred, or a borrower may bring an action against a retail seller to do 1 or more of the following:  (a) Obtain a declaratory judgment that a method, act, or practice of a retail seller is a violation of this act.  (b) Enjoin a retail seller who is engaging or about to engage in a method, act, or practice that is a violation of this act.  (c) Recover $1,000.00 and actual damages if the alleged violation of this act was committed by a retail seller for a noncredit card arrangement or $1,500.00 and actual damages if the alleged violation involved any other credit arrangements.  (d) Recover reasonable attorney fees and the costs in connection with bringing an action under this act if the retail seller is found to have violated this act.  (e) In an action brought by the attorney general or a county prosecutor, recover a civil fine of not more than $10,000.00 if the retail seller is found to have willfully and knowingly violated this act and $20,000.00 if the retail seller is found to have persistently violated this act.  (2) Except for a violation described in section 12, a retail seller who violates this act in the extension of credit to a borrower or buyer shall not recover any interest or other charges in connection with the extension of credit. The borrower or buyer may recover reasonable attorney fees and court costs for enforcing this subsection or in defending against a cause of action brought by a retail seller who has violated this act.  (3) The attorney general or a borrower may bring a class action on behalf of persons injured by a violation of this act. History: 1966, Act 224, Eff. Mar. 10, 1967 ;-- Am. 1995, Act 167, Eff. Mar. 28, 1996
MI Comp L § 445.870 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 224 of 1966 - Retail Installment Sales Act (445.851 - 445.873)|Section 445.870 - Violation of Act; Assurance of Discontinuance; Acceptance by Attorney General, Approval of Circuit Court.

445.870 Violation of act; assurance of discontinuance; acceptance by attorney general, approval of circuit court. Sec. 20.  The attorney general, or with his consent a prosecuting attorney, may accept an assurance of discontinuance of any act or practice deemed in violation of this act from any person engaging in, or who has engaged in, such act or practice. Any assurance shall be in writing and filed with and subject to the approval of the circuit court of the county in which the alleged violator resides or has his principal place of business. Failure to perform the terms of any assurance constitutes prima facie proof of a violation of this act for the purpose of securing any injunction as provided in section 19 and for the purpose of section 18. After commencement of any action by a prosecuting attorney, the attorney general may not accept an assurance of discontinuance without the consent of the prosecuting attorney. History: 1966, Act 224, Eff. Mar. 10, 1967
MI Comp L § 445.871 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 224 of 1966 - Retail Installment Sales Act (445.851 - 445.873)|Section 445.871 - Violation of Order of Circuit Court; Civil Penalty.

445.871 Violation of order of circuit court; civil penalty. Sec. 21.  Any person who violates any order of a circuit court issued pursuant to this act shall forfeit and pay a civil penalty of not more than $1,000.00. For the purpose of this section, the court issuing any order shall retain jurisdiction for a period of 10 years and the cause shall be continued for that period, and in such cases the attorney general acting in the name of the state may petition for the recovery of civil penalties during the period of any order. History: 1966, Act 224, Eff. Mar. 10, 1967
MI Comp L § 445.871a (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 224 of 1966 - Retail Installment Sales Act (445.851 - 445.873)|Section 445.871a - Compliance With Federal Truth-in-Lending Act; Violation as Unintentional and Bona Fide Error; Burden of Proof.

445.871a Compliance with federal truth-in-lending act; violation as unintentional and bona fide error; burden of proof. Sec. 21a.  A retail seller is not liable for a violation of this act if the retail seller has fully complied with the federal truth-in-lending act, Public Law 90-321, 15 U.S.C. 1601 to 1607e and shows that the violation was an unintentional and bona fide error notwithstanding the maintenance of procedures reasonably adopted to avoid the error. Examples of a bona fide error include clerical, calculation, computer malfunction, programming, or printing errors. An error in legal judgment with respect to a person's obligations under this act is not a bona fide error. A violation of this act resulting from a bona fide error may be corrected in the same manner as provided for in section 130(b) of the truth-in-lending act, 15 U.S.C. 1640(b). The burden of proving that a violation was an unintentional and bona fide error is on the retail seller. History: Add. 1995, Act 167, Eff. Mar. 28, 1996
MI Comp L § 445.872 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 224 of 1966 - Retail Installment Sales Act (445.851 - 445.873)|Section 445.872 - Effect of Act as to Prior Contracts.

445.872 Effect of act as to prior contracts. Sec. 22.  The provisions of this act shall not invalidate or make unlawful or unenforceable, retail installment contracts or retail charge agreements executed prior to the effective date of this act, or liabilities at any time incurred thereunder. History: 1966, Act 224, Eff. Mar. 10, 1967
MI Comp L § 445.873 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 224 of 1966 - Retail Installment Sales Act (445.851 - 445.873)|Section 445.873 - Time Price Differential Consisting of Interest on Amount of Unpaid Principal Balance of Contract; Modifications.

445.873 Time price differential consisting of interest on amount of unpaid principal balance of contract; modifications. Sec. 23.  Instead of a time price differential computed on the original principal balance, the seller may charge from time to time a time price differential consisting of interest on the amount of the unpaid principal balance of the contract. The transaction is subject to this act as modified by the following provisions:  (a) The number and amount of installment payments required to be stated under section 3 may be estimated for purposes of this section assuming that each scheduled payment is made on the date it is due and in the scheduled amount.  (b) The holder of the contract has the option of deferring interest charges that accrue due to installment payments being received later than the periodic installment due date. The deferred interest charge shall be computed on the basis of additional interest charges accruing for late installment payments and appropriate interest reductions for installment payments made before the due date. On contracts providing for equal monthly installments, if the final installment is more than 105% of a previous installment as a result of the deferred interest charges, the installment buyer shall be given the option to pay the deferred interest charges not less than 25 days after the date the last installment payment is due.  (c) If the entire principal balance is prepaid in full, together with all interest incurred to the date of prepayment, the balance of the original time price differential shall be canceled and the provisions of section 8 respecting a refund credit shall not be applicable. History: Add. 1978, Act 97, Imd. Eff. Apr. 5, 1978 ;-- Am. 1995, Act 167, Eff. Mar. 28, 1996
MI Comp L § 445.881 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 6 of 2008 - Owner Built Residence Transfer Act (445.881 - 445.891)|Section 445.881 - Short Title.

445.881 Short title.Sec. 1.  This act shall be known and may be cited as the "owner built residence transfer act". History: 2008, Act 6, Eff. Aug. 10, 2008
MI Comp L § 445.883 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 6 of 2008 - Owner Built Residence Transfer Act (445.881 - 445.891)|Section 445.883 - Definitions.

445.883 Definitions.Sec. 3.  As used in this act:  (a) "Owner-builder" means an individual who is not a licensed residential builder and who builds, or acts as a general contractor for the construction of, a residential structure in which that individual or a member of that individual's family actually resides, or intends to occupy for his or her own use, upon the issuance of an occupancy permit.  (b) "Residential builder" means a person engaged in the construction of a residential structure or a combination residential and commercial structure who, for a fixed sum, price, fee, percentage, valuable consideration, or other compensation, other than wages for personal labor only, undertakes with another or offers to undertake or purports to have the capacity to undertake with another for the erection, construction, replacement, repair, alteration, or an addition to, subtraction from, improvement, wrecking of, or demolition of, a residential structure or combination residential and commercial structure; a person who manufactures, assembles, constructs, deals in, or distributes a residential or combination residential and commercial structure which is prefabricated, preassembled, precut, packaged, or shell housing; or a person who erects a residential structure or combination residential and commercial structure except for the person's own use and occupancy on the person's property.  (c) "Residential structure" means a premises used or intended to be used for a residence purpose and related facilities appurtenant to the premises used or intended to be used as an adjunct of residential occupancy. History: 2008, Act 6, Eff. Aug. 10, 2008
MI Comp L § 445.885 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 6 of 2008 - Owner Built Residence Transfer Act (445.881 - 445.891)|Section 445.885 - Owner-Builder Residing in Residential Structure; Duties Upon Completion of Construction and Issuance of Occupancy Permit; Sale or Transfer of Ownership; Limitation.

445.885 Owner-builder residing in residential structure; duties upon completion of construction and issuance of occupancy permit; sale or transfer of ownership; limitation.Sec. 5.  (1) An owner-builder intending to live in the residential structure at the onset of construction shall do either of the following upon completion of construction and issuance of the occupancy permit regarding a residential structure:  (a) Reside in the residential structure.  (b) Place the residential structure up for sale in any manner allowed by law if, due to unforeseen circumstances, the owner-builder is unable to reside in the residential structure. This subdivision allows the owner-builder to utilize this exception not more than once per calendar year.  (2) An owner-builder who actually lives, full- or part-time, in that residential structure shall not sell or transfer ownership of the residential structure to another person for at least 365 days after the owner-builder actually begins living, full- or part-time, in that residential structure. History: 2008, Act 6, Eff. Aug. 10, 2008
MI Comp L § 445.887 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 6 of 2008 - Owner Built Residence Transfer Act (445.881 - 445.891)|Section 445.887 - Owner-Builder Notice; Requirements.

445.887 Owner-builder notice; requirements.Sec. 7.  (1) An owner-builder who sells the residential structure, within 2 years or less after the date of the issuance of the occupancy permit, shall note in the owner-builder notice the fact that the residential structure was built by the owner.  (2) An owner-builder shall supply, at the time of offering the residential structure and on a separate sheet of paper, an owner-builder notice stating in 12-point font or larger that the residential structure was built by an owner-builder that is not a licensed builder. The notice shall be signed and dated by the owner-builder. History: 2008, Act 6, Eff. Aug. 10, 2008
MI Comp L § 445.889 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 6 of 2008 - Owner Built Residence Transfer Act (445.881 - 445.891)|Section 445.889 - Failure to Disclose; Liability; Remedies.

445.889 Failure to disclose; liability; remedies.Sec. 9.  (1) An owner-builder who fails to make the disclosures required under this act is liable for the following for up to 24 months after the completion of construction, first occupancy, or purchase, whichever occurs later:  (a) The cost of repair regarding any defects in workmanship.  (b) The cost of any repairs needed to bring the structure into compliance with the building code in effect at the time of the issuance of the occupancy permit.  (c) The cost for temporary shelter for the buyers if the repairs require the buyer to vacate temporarily or if the defects in the residential structure render it uninhabitable.  (2) The buyer of an owner-builder residential structure may bring an action in a court of competent jurisdiction for damages resulting from a violation of the disclosures required under this act. The action shall be brought not later than 24 months after completion of construction, first occupancy, or purchase, whichever comes later. If the buyer prevails in whole or part in an action brought under this section, the court shall award cost and actual attorney fees.  (3) The remedies under this act are cumulative and the use of a remedy under this act does not prevent the use of any other remedies allowed under law. History: 2008, Act 6, Eff. Aug. 10, 2008
MI Comp L § 445.891 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 6 of 2008 - Owner Built Residence Transfer Act (445.881 - 445.891)|Section 445.891 - Effective Date.

445.891 Effective date.Sec. 11.  This act takes effect 180 days after the date it is enacted into law. History: 2008, Act 6, Eff. Aug. 10, 2008
MI Comp L § 445.901 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 331 of 1976 - Michigan Consumer Protection Act (445.901 - 445.922)|Section 445.901 - Short Title.

445.901 Short title. Sec. 1.  This act shall be known and may be cited as the "Michigan consumer protection act". History: 1976, Act 331, Eff. Apr. 1, 1977
MI Comp L § 445.903a (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 331 of 1976 - Michigan Consumer Protection Act (445.901 - 445.922)|Section 445.903a - Home Appliance; Contents of Service Contract.

445.903a Home appliance; contents of service contract. Sec. 3a.  (1) As used in this section, "company" means a person engaged in trade or commerce who provides a service contract to consumers.  (2) A service contract for the repair or maintenance of a home appliance shall contain the following provision:  If performance of the service contract is interrupted because of a strike or work stoppage at the company's place of business, the effective period of the service contract shall be extended for the period of the strike or work stoppage. History: Add. 1979, Act 150, Imd. Eff. Nov. 19, 1979
MI Comp L § 445.903b (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 331 of 1976 - Michigan Consumer Protection Act (445.901 - 445.922)|Section 445.903b - Failure of Seller to File Notice Unlawful; Form and Contents of Notice; Notice of Change in Information; Reference to MCL 445.903 Includes Reference to This Section.

445.903b Failure of seller to file notice unlawful; form and contents of notice; notice of change in information; reference to MCL 445.903 includes reference to this section. Sec. 3b.  (1) In addition to the unfair, unconscionable, or deceptive methods, acts, or practices in the conduct of trade or commerce defined in section 3, it is unlawful for the seller of a business opportunity to fail to file a notice with the attorney general on or before the first sale of a business opportunity in this state if the purchaser pays more than $500.00 in total for the business opportunity from anytime before the date of sale to anytime within 6 months after the date of sale. The form of the notice shall be prescribed by the attorney general. The attorney general shall not require the seller to file more than the following information:  (a) The name of the seller.  (b) The name under which the seller intends to do business.  (c) The seller's principal business address.  (d) If the seller is not domiciled in Michigan, a consent to service of process.  (2) The seller shall immediately notify the attorney general of a change in the information contained in the notice.  (3) A reference to section 3 in this act shall be considered to include a reference to this section. History: Add. 1984, Act 91, Imd. Eff. Apr. 20, 1984
MI Comp L § 445.903c (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 331 of 1976 - Michigan Consumer Protection Act (445.901 - 445.922)|Section 445.903c - Advertising or Listing in Telephone Directory; Misrepresenting Name or Location Prohibited; Violation; Penalty; Applicability to Telephone Service Provider, Publisher, or Distributor.

445.903c Advertising or listing in telephone directory; misrepresenting name or location prohibited; violation; penalty; applicability to telephone service provider, publisher, or distributor. Sec. 3c.  (1) A person shall not advertise or cause to be listed in a telephone directory an assumed or fictitious business name that intentionally misrepresents where the business is actually located or operating or falsely states that the business is located or operating in the same area covered by the telephone directory.  (2) A person who violates this section is subject to a civil fine of not less than $100.00 or more than $10,000.00.  (3) This section does not apply to a telephone service provider or to the publisher or distributor of a telephone service directory, unless the conduct proscribed in this section is on behalf of that telephone service provider or that publisher or distributor. History: Add. 1998, Act 229, Eff. Mar. 23, 1999
MI Comp L § 445.903d (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 331 of 1976 - Michigan Consumer Protection Act (445.901 - 445.922)|Section 445.903d - Advertising or Listing in Telephone Directory; Misrepresenting Name or Location Prohibited; Violation; Penalty; Applicability to Telephone Service Provider, Publisher, or Distributor.

445.903d Advertising or listing in telephone directory; misrepresenting name or location prohibited; violation; penalty; applicability to telephone service provider, publisher, or distributor. Sec. 3d.  (1) A person shall not advertise or cause to be listed in a telephone directory a business address or local telephone number that intentionally misrepresents where the business is actually located or operating or that falsely states that the business is located or operating in the same area covered by the telephone directory.  (2) A person who violates this section is subject to a civil fine of not less than $100.00 or more than $10,000.00.  (3) This section does not apply to a telephone service provider or to the publisher or distributor of a telephone directory, unless the conduct proscribed in this section is on behalf of that telephone service provider or that publisher or distributor.  (4) This section does not apply to a telephone service provider that lists, in a telephone directory, a local telephone number that forwards calls to provide customer service. History: Add. 1998, Act 230, Eff. Mar. 23, 1999
MI Comp L § 445.903f (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 331 of 1976 - Michigan Consumer Protection Act (445.901 - 445.922)|Section 445.903f - Possession or Use of Gift Certificate; Charging Service Fee Prohibited; "Service Fee" Defined.

445.903f Possession or use of gift certificate; charging service fee prohibited; "service fee" defined.Sec. 3f.  A person engaged in the retail sale of goods or services shall not charge an inactivity fee or other service fee to a consumer for the possession or use of a gift certificate. As used in this section, "service fee" does not include any fee charged to and paid by a consumer in connection with the sale of a gift certificate, unless the fee is deducted or debited from the face value of the gift certificate. History: Add. 2008, Act 211, Eff. Nov. 1, 2008
MI Comp L § 445.903g (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 331 of 1976 - Michigan Consumer Protection Act (445.901 - 445.922)|Section 445.903g - Expiration of Gift Certificate; Limitation.

445.903g Expiration of gift certificate; limitation.Sec. 3g.  A person engaged in the retail sale of goods or services shall not sell a gift certificate to a consumer that expires within a period of less than 5 years. History: Add. 2008, Act 209, Eff. Nov. 1, 2008
MI Comp L § 445.903h (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 331 of 1976 - Michigan Consumer Protection Act (445.901 - 445.922)|Section 445.903h - Vehicle Rental Transaction; Inclusion of Vehicle License Cost Recovery Fee; Amount; Fee in Excess of Costs; Duties of Car Rental Company; Definitions.

445.903h Vehicle rental transaction; inclusion of vehicle license cost recovery fee; amount; fee in excess of costs; duties of car rental company; definitions.Sec. 3h.  (1) At the time a car rental company provides a consumer with a price quote or estimate for a vehicle rental transaction, and in the rental agreement, the car rental company shall do either of the following:  (a) Provide an estimated total price for the vehicle rental transaction.  (b) Disclose the existence of any vehicle license cost recovery fee and any other separately stated mandatory fee.  (2) If a vehicle license cost recovery fee is included as a separately stated mandatory fee in a vehicle rental transaction, the amount of the fee shall be based on the car rental company's good-faith estimate of the car rental company's average per vehicle portion of the total annual costs to license, title, and register its vehicles. If the total amount of the vehicle license recovery fees collected by a car rental company under this section in any calendar year exceeds the car rental company's actual costs to license, title, and register rental vehicles for that calendar year, the car rental company shall do both of the following:   (a) Retain the excess amount.  (b) Adjust the vehicle license recovery fees for the following calendar year by reducing the fees by an amount equal to the excess amount collected in the preceding calendar year.  (3) As used in this section:  (a) "Car rental company" means a person whose primary business is renting vehicles to consumers under rental agreements for periods of 90 days or less.  (b) "Estimated total price" means an estimated total for a vehicle rental transaction based on the duration of the vehicle rental transaction, the rental rate, and any mandatory fees.  (c) "Mandatory fee" means a fee, charge, or surcharge that a car rental company includes in every vehicle rental transaction. A fee, charge, or surcharge associated with optional products and services available for purchase by a consumer at the time of rental is not a mandatory fee.   (d) "Vehicle" means a motor vehicle as defined in section 33 of the Michigan vehicle code, 1949 PA 300, MCL 257.33.  (e) "Vehicle license cost recovery fee" means a charge that may be included in a vehicle rental transaction originating in this state to recover costs incurred by a car rental company to license, title, and register rental vehicles. History: Add. 2008, Act 310, Imd. Eff. Dec. 18, 2008