reglab/housing_qa huggingface dataset:
WY Stat § 40-14-409 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 4 - Insurance|Section 40-14-409 - Existing Insurance; Choice of Insurer.

40-14-409. Existing insurance; choice of insurer.| If a creditor requires insurance, upon notice to the creditor the debtor shall have the option of providing the required insurance through an existing policy of insurance owned or controlled by the debtor, or through a policy to be obtained and paid for by the debtor, but the creditor may for reasonable cause decline the insurance provided by the debtor. The creditor shall promptly notify the debtor of his rights under this section.
WY Stat § 40-14-410 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 4 - Insurance|Section 40-14-410 - Charge for Insurance in Connection With a Deferral, Refinancing, or Consolidation; Duplicate Charges.

40-14-410. Charge for insurance in connection with a deferral, refinancing, or consolidation; duplicate charges.| (a) A creditor may not contract for or receive a separate charge for insurance in connection with a deferral (W.S. 40-14-215 or 40-14-313), a refinancing (W.S. 40-14-216 or 40-14-314), or a consolidation (W.S. 40-14-217 or 40-14-315), unless:  (i) The debtor agrees at or before the time of the deferral, refinancing, or consolidation that the charge may be made;  (ii) The debtor is or is to be provided with insurance for an amount or a term, or insurance of a kind, in addition to that to which he would have been entitled had there been no deferral, refinancing, or consolidation;  (iii) The debtor receives a refund or credit on account of any unexpired term of existing insurance in the amount that would be required if the insurance were terminated (W.S. 40-14-408); and  (iv) The charge does not exceed the amount permitted by this article (W.S. 40-14-407).  (b) A creditor may not contract for or receive a separate charge for insurance which duplicates insurance with respect to which the creditor has previously contracted for or received a separate charge.
WY Stat § 40-14-411 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 4 - Insurance|Section 40-14-411 - Cooperation Between Administrator and Commissioner of Insurance.

40-14-411. Cooperation between administrator and commissioner of insurance.| The administrator and the commissioner of insurance are authorized and directed to consult and assist one another in maintaining compliance with this article. They may jointly pursue investigations, prosecute suits, and take other official action, as may seem to them appropriate, if either of them is otherwise empowered to take the action. If the administrator is informed of a violation or suspected violation by an insurer of this article, or of the insurance laws, rules, and regulations of this state, he shall advise the commissioner of insurance of the circumstances.
WY Stat § 40-14-412 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 4 - Insurance|Section 40-14-412 - Administrative Action of Commissioner of Insurance.

40-14-412. Administrative action of commissioner of insurance.| The Wyoming Administrative Procedure Act applies to and governs all administrative action taken by the commissioner of insurance pursuant to this section.
WY Stat § 40-14-430 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 4 - Insurance|Section 40-14-430 - Term of Insurance.

40-14-430. Term of insurance.| (a) Consumer credit insurance provided by a creditor may be subject to the furnishing of evidence of insurability satisfactory to the insurer. Whether or not such evidence is required, the term of the insurance shall commence no later than when the debtor becomes obligated to the creditor or when the debtor applies for the insurance, whichever is later, except as follows:  (i) If any required evidence of insurability is not furnished until more than thirty (30) days after the term would otherwise commence, the term may commence on the date when the insurer determines the evidence to be satisfactory; or  (ii) If the creditor provides insurance not previously provided covering debts previously created, the term may commence on the effective date of the policy.  (b) The originally scheduled term of the insurance shall extend at least until the due date of the last scheduled payment of the debt except as follows:  (i) If the insurance relates to a revolving charge account or revolving loan account, the term need extend only until the payment of the debt under the account and may be sooner terminated after at least thirty (30) days notice to the debtor; or  (ii) If the debtor is advised in writing that the insurance will be written for a specified shorter time, the term need extend only until the end of the specified time.  (c) The term of the insurance shall not extend more than fifteen (15) days after the originally scheduled due date of the last scheduled payment of the debt unless it is extended without additional cost to the debtor or as an incident to a deferral, refinancing, or consolidation.
WY Stat § 40-14-431 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 4 - Insurance|Section 40-14-431 - Amount of Insurance.

40-14-431. Amount of insurance.| (a) Except as provided in subsection (b) of this section:  (i) In the case of consumer credit insurance providing life coverage, the amount of insurance may not initially exceed the debt and, if the debt is payable in installments, may not at any time exceed the greater of the scheduled or actual amount of the debt; or  (ii) In the case of any other consumer credit insurance, the total amount of periodic benefits payable may not exceed the total of scheduled unpaid installments of the debt, and the amount of any periodic benefit may not exceed the original amount of debt divided by the number of periodic installments in which it is payable.  (b) If consumer credit insurance is provided in connection with a revolving charge account or revolving loan account, the amounts payable as insurance benefits may be reasonably commensurate with the amount of debt as it exists from time to time. If consumer credit insurance is provided in connection with a commitment to grant credit in the future, the amounts payable as insurance benefits may be reasonably commensurate with the total from time to time of the amount of debt and the amount of the commitment.
WY Stat § 40-14-432 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 4 - Insurance|Section 40-14-432 - Filing and Approval of Rates and Forms.

40-14-432. Filing and approval of rates and forms.| (a) A creditor may not use a form or a schedule of premium rates or charges, the filing of which is required by this section, if the commissioner of insurance has disapproved the form or schedule and has notified the insurer of his disapproval. A creditor may not use a form or schedule unless:  (i) The form or schedule has been on file with the commissioner of insurance for thirty (30) days, or has earlier been approved by him; and  (ii) The insurer has complied with this section with respect to the insurance.  (b) Except as provided in subsection (c) of this section, all policies, certificates of insurance, notices of proposed insurance, applications for insurance, endorsements and riders relating to consumer credit insurance delivered or issued for delivery in this state, and the schedules of premium rates or charges pertaining thereto, shall be filed by the insurer with the commissioner of insurance. Within thirty (30) days after the filing of any form or schedule, he shall disapprove it if the premium rates or charges are unreasonable in relation to the benefits provided under the form, or if the form contains provisions which are unjust, unfair, inequitable, or deceptive, or encourage misrepresentation of the coverage, or are contrary to any provision of the Insurance Code or of any rule or regulation promulgated thereunder.  (c) If a group policy has been delivered in another state, the forms to be filed by the insurer with the commissioner of insurance are the group certificates and notices of proposed insurance. He shall approve them if:  (i) They provide the information that would be required if the group policy were delivered in this state; and  (ii) The applicable premium rates or charges do not exceed those established by his rules or regulations.
WY Stat § 40-14-450 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 4 - Insurance|Section 40-14-450 - Property Insurance.

40-14-450. Property insurance.| (a) A creditor may not contract for or receive a separate charge for insurance against loss of or damage to property unless:  (i) The insurance covers a substantial risk of loss of or damage to property related to the credit transaction;  (ii) The amount, terms, and conditions of the insurance are reasonable in relation to the character and value of the property insured or to be insured; and  (iii) The term of the insurance is reasonable in relation to the terms of credit.  (b) The term of the insurance is reasonable if it is customary and does not extend substantially beyond a scheduled maturity.  (c) A creditor may not contract for or receive a separate charge for insurance against loss of or damage to property unless the amount financed or principal exclusive of changes for the insurance is three hundred dollars ($300.00) or more, and the value of the property is three hundred dollars ($300.00) or more.
WY Stat § 40-14-451 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 4 - Insurance|Section 40-14-451 - Risk of Loss or Damage.

40-14-451. Risk of loss or damage.| If a creditor contracts for or receives a separate charge for insurance against loss of or damage to property, the risk of loss or damage not willfully caused by the debtor is on the debtor only to the extent of any deficiency in the effective coverage of the insurance, even though the insurance covers only the interest of the creditor.
WY Stat § 40-14-452 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 4 - Insurance|Section 40-14-452 - Liability Insurance.

40-14-452. Liability insurance.| A creditor may not contract for or receive a separate charge for insurance against liability unless the insurance covers a substantial risk of liability arising out of the ownership or use of property related to the credit transaction.
WY Stat § 40-14-453 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 4 - Insurance|Section 40-14-453 - Cancellation by Creditor.

40-14-453. Cancellation by creditor.| A creditor shall not request cancellation of a policy of property or liability insurance except after the debtor's default or in accordance with a written authorization by the debtor, and in either case the cancellation does not take effect until written notice is delivered to the debtor or mailed to him at his address as stated by him. The notice shall state that the policy may be cancelled on a date not less than ten (10) days after the notice is delivered, or, if the notice is mailed, not less than thirteen (13) days after it is mailed.  Refund of Certain Credit Insurance Products   Refund of Certain Credit Insurance Products
WY Stat § 40-14-454 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 4 - Insurance|Section 40-14-454 - Refund of Certain Credit Insurance Products Upon Prepayment; Method.

40-14-454. Refund of certain credit insurance products upon prepayment; method.| (a) Not later than sixty (60) days after termination of a consumer credit sale or consumer loan, a creditor shall facilitate any refund or credit otherwise required by law for insurance or other loan products that provide protection to a consumer and cease when termination of the credit transaction occurs, including guaranteed asset protection waivers and debt cancellation contracts. The duty to facilitate a refund or credit under this subsection shall also apply to voluntary cancellation of insurance or other products by a consumer. As used in this subsection:  (i) "Creditor" means the person to whom payment is due at the time of termination;  (ii) "Termination" includes prepayment, default or other circumstances that end an agreement.  (b) Unless otherwise provided by law, any required refund or credit made under subsection (a) of this section shall be calculated on a pro rata basis or on an alternative basis that reflects the remaining risk if authorized and defined by rule of the administrator.
WY Stat § 40-14-501 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 5 - Remedies and Penalties|Section 40-14-501 - Short Title.

40-14-501. Short title.| This article shall be known and may be cited as "Uniform Consumer Credit Code-Remedies and Penalties."
WY Stat § 40-14-502 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 5 - Remedies and Penalties|Section 40-14-502 - Scope.

40-14-502. Scope.| This part applies to actions or other proceedings to enforce rights arising from consumer credit sales, consumer leases, and consumer loans; and, in addition, to extortionate extensions of credit (W.S. 40-14-507).
WY Stat § 40-14-503 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 5 - Remedies and Penalties|Section 40-14-503 - Restrictions on Deficiency Judgments in Consumer Credit Sales.

40-14-503. Restrictions on deficiency judgments in consumer credit sales.| (a) This section applies to a consumer credit sale of goods or services.  (b) If the seller repossesses or voluntarily accepts surrender of goods which were the subject of the sale and in which he has a security interest and the cash price of the goods repossessed or surrendered was one thousand dollars ($1,000.00) or less, the buyer is not personally liable to the seller for the unpaid balance of the debt arising from the sale of the goods, and the seller is not obligated to resell the collateral.  (c) If the seller repossesses or voluntarily accepts surrender of goods which were not the subject of the sale but in which he has a security interest to secure a debt arising from a sale of goods or services or a combined sale of goods and services and the cash price of the sale was one thousand dollars ($1,000.00) or less, the buyer is not personally liable to the seller for the unpaid balance of the debt arising from the sale.  (d) For the purpose of determining the unpaid balance of consolidated debts or debts pursuant to revolving charge accounts, the allocation of payments to a debt shall be determined in the same manner as provided for determining the amount of debt secured by various security interests (W.S. 40-14-243).  (e) The buyer may be liable in damages to the seller if the buyer has wrongfully damaged the collateral or if, after default and demand, the buyer has wrongfully failed to make the collateral available to the seller.  (f) If the seller elects to bring an action against the buyer for a debt arising from a consumer credit sale of goods or services, when under this section he would not be entitled to a deficiency judgment if he repossessed the collateral, and obtains judgment:  (i) He may not repossess the collateral; and  (ii) The collateral is not subject to levy or sale on execution or similar proceedings pursuant to the judgment.
WY Stat § 40-14-504 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 5 - Remedies and Penalties|Section 40-14-504 - No Garnishment Before Judgment.

40-14-504. No garnishment before judgment.| Prior to entry of judgment in an action against the debtor for debt arising from a consumer credit sale, a consumer lease, or a consumer loan, the creditor may not attach unpaid earnings of the debtor by garnishment or like proceedings.
WY Stat § 40-14-505 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 5 - Remedies and Penalties|Section 40-14-505 - Limitation on Garnishment.

40-14-505. Limitation on garnishment.| (a) For the purposes of this part:  (i) "Disposable earnings" means that part of the earnings of an individual remaining after the deduction from those earnings of amounts required by law to be withheld; and  (ii) "Garnishment" means any legal or equitable procedure through which the earnings of an individual are required to be withheld for payment of a debt.  (b) The maximum part of the aggregate disposable earnings of an individual for any workweek which is subjected to garnishment to enforce payment of a judgment arising from a consumer credit sale, consumer lease, or consumer loan may not exceed the lesser of:  (i) Twenty-five percent (25%) of his disposable earnings for that week; or  (ii) The amount by which his disposable earnings for that week exceed thirty (30) times the federal minimum hourly wage prescribed by section (6)(a)(1) of the Fair Labor Standards Act of 1938, U.S.C. tit. 29, § 206(a)(1), in effect at the time the earnings are payable;  (iii) In the case of earnings for a pay period other than a week, the administrator shall prescribe by rule a multiple of the federal minimum hourly wage equivalent in effect to that set forth in paragraph (b)(ii) of this section.  (c) No court may make, execute, or enforce an order or process in violation of this section.  (d) An individual's disposable earnings shall remain exempt to the extent provided in subsection (b) of this section if the earnings were deposited in the individual's account with a financial institution within twenty (20) calendar days prior to service of a writ of garnishment against the individual's account with the financial institution, on the day of service of the writ or within ten (10) business days after service of the writ. This subsection does not create any obligation on the part of a financial institution to conduct an investigation of the individual's account or otherwise make any determination about a judgment creditor's rights to funds in the account other than the financial institution's obligation to file with the court and serve on the individual an answer to the writ of garnishment. A judgment creditor may request that the court issue writs of garnishment to an individual's employer and the individual's financial institution at the same time; provided, however, that should the judgment creditor successfully garnish earnings as shown on an individual's pay advice, then the remaining proceeds from such pay advice deposited into an account with a financial institution shall be entirely exempt from execution, notwithstanding subsection (b) of this section.  (e) As used in this section, "financial institution" means as defined in W.S. 13-1-401(a)(ii).
WY Stat § 40-14-506 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 5 - Remedies and Penalties|Section 40-14-506 - No Discharge From Employment for Garnishment.

40-14-506. No discharge from employment for garnishment.| No employer shall discharge an employee for the reason that a creditor of the employee has subjected or attempted to subject unpaid earnings of the employee to garnishment or like proceedings directed to the employer for the purpose of paying a judgment arising from a consumer credit sale, consumer lease, or consumer loan.
WY Stat § 40-14-507 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 5 - Remedies and Penalties|Section 40-14-507 - Extortionate Extensions of Credit.

40-14-507. Extortionate extensions of credit.| (a) If it is the understanding of the creditor and the debtor at the time an extension of credit is made that delay in making repayment or failure to make repayment could result in the use of violence or other criminal means to cause harm to the person, reputation, or property of any person, the repayment of the extension of credit is unenforceable through civil judicial processes against the debtor.  (b) If it is shown that an extension of credit was made at an annual rate exceeding forty-five percent (45%) calculated according to the actuarial method and that the creditor then had a reputation for the use or threat of use of violence or other criminal means to cause harm to the person, reputation, or property of any person to collect extensions of credit or to punish the nonrepayment thereof, there is prima facie evidence that the extension of credit was unenforceable under subsection (a) of this section.
WY Stat § 40-14-508 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 5 - Remedies and Penalties|Section 40-14-508 - Unconscionability.

40-14-508. Unconscionability.| (a) With respect to a consumer credit sale, consumer lease, or consumer loan, if the court as a matter of law finds the agreement or any clause of the agreement to have been unconscionable at the time it was made the court may refuse to enforce the agreement, or it may enforce the remainder of the agreement without the unconscionable clause, or it may so limit the application of any unconscionable clause as to avoid any unconscionable result.  (b) If it is claimed or appears to the court that the agreement or any clause thereof may be unconscionable the parties shall be afforded a reasonable opportunity to present evidence as to its setting, purpose, and effect to aid the court in making the determination.  (c) For the purpose of this section, a charge or practice expressly permitted by this act is not in itself unconscionable.
WY Stat § 40-14-520 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 5 - Remedies and Penalties|Section 40-14-520 - Interests in Land.

40-14-520. Interests in land.| (a) For purposes of the provisions of this part on civil liability for violation of disclosure provisions (W.S. 40-14-522) and on a debtor's right to rescind certain transactions as otherwise provided by law:  (i) Consumer credit sale includes a sale of an interest in land without regard to the rate of the credit service charge if the sale is otherwise a consumer credit sale (W.S. 40-14-204); and  (ii) Consumer loan includes a loan primarily secured by an interest in land, as defined in W.S. 40-14-304(c).
WY Stat § 40-14-524 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 5 - Remedies and Penalties|Section 40-14-524 - Refunds and Penalties as Setoff to Obligation.

40-14-524. Refunds and penalties as setoff to obligation.| Refunds or penalties to which the debtor is entitled pursuant to this part may be set off against the debtor's obligation, and may be raised as a defense to a suit on the obligation without regard to the time limitations prescribed by this part.