reglab/housing_qa huggingface dataset:
NV Rev Stat § 676A.590 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.590 - Voluntary contributions: Restrictions.

A provider may not solicit a voluntary contribution from an individual or an affiliate of the individual for any service provided to the individual. A provider may accept voluntary contributions from an individual but, until 30 days after completion or termination of a plan, the aggregate amount of money received from or on behalf of the individual may not exceed the total amount the provider may charge the individual under NRS 676A.580.  (Added to NRS by 2009, 1989)
NV Rev Stat § 676A.600 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.600 - Required disclosures by provider.

  1. If the agreements of a provider contemplate that the provider will develop and implement a debt-management plan and the provider advertises debt-management services, it shall disclose, in an easily comprehensible manner, that using a debt-management plan may make it harder for the individual to obtain credit.  2. If the agreements of a provider contemplate that the provider will provide debt settlement services and the provider advertises debt settlement services, it shall disclose, in an easily comprehensible manner, the information specified in paragraphs (c) and (d) of subsection 4 of NRS 676A.520.  (Added to NRS by 2009, 1993)
NV Rev Stat § 676A.610 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.610 - Agreement voidable by individual in certain circumstances.

  1. If a provider imposes a fee or other charge or receives money or other payments not authorized by NRS 676A.580 or 676A.590, the individual may void the agreement and recover as provided in NRS 676A.760.  2. If a provider is not registered as required by this chapter when an individual assents to an agreement, the agreement is voidable by the individual.  3. If an individual voids an agreement under subsection 2, the provider does not have a claim against the individual for breach of contract or for restitution.  (Added to NRS by 2009, 1989)
NV Rev Stat § 676A.620 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.620 - Provider may terminate agreement for nonpayment.

  1. If an individual who has entered into an agreement fails for 60 days to make payments required by the agreement, a provider may terminate the agreement.  2. If a provider or an individual terminates an agreement, the provider shall immediately return to the individual any money of the individual held in trust for the benefit of the individual.  (Added to NRS by 2009, 1990; A 2013, 631)
NV Rev Stat § 676A.630 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.630 - Provider to provide accounting periodically and upon request; retention of records.

  1. If an agreement contemplates that a provider will develop and implement a debt-management plan or provide debt settlement services, the provider shall provide the accounting required by subsection 2:  (a) Upon cancellation or termination of the agreement; and  (b) Before cancellation or termination of the agreement:  (1) At least once each month; and  (2) Within 5 business days after a request by an individual, but the provider need not comply with more than one request in any calendar month.  2. A provider, in a record, shall provide each individual for whom it has established a plan an accounting of the following information:  (a) The amount of money received from the individual since the last report;  (b) The amounts and dates of disbursement made on the individual’s behalf, or by the individual upon the direction of the provider, since the last report to each creditor listed in the plan;  (c) The amounts deducted from the amount received from the individual;  (d) The amount held in reserve; and  (e) If, since the last report, a creditor has agreed to accept as payment in full an amount less than the principal amount of the debt owed by the individual:  (1) The total amount and terms of the settlement;  (2) The amount of the debt when the individual assented to the plan;  (3) The amount of the debt when the creditor agreed to the settlement; and  (4) The calculation of a settlement fee.  3. A provider shall maintain records for each individual for whom it provides debt-management services for 5 years after the final payment made by the individual and produce a copy of them to the individual within a reasonable time after a request for them. The provider may use electronic or other means of storage of the records. (Added to NRS by 2009, 1990)
NV Rev Stat § 676A.710 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.710 - Provider to notify Commissioner of civil actions.

Not later than 30 days after a provider has been served with notice of a civil action for violation of this chapter by or on behalf of an individual who resides in this State at either the time of an agreement or the time the notice is served, the provider shall notify the Commissioner in a record that it has been sued.  (Added to NRS by 2009, 1993)
NV Rev Stat § 676A.720 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.720 - Provider liable for conduct of person to whom it delegates duties.

If a provider delegates any of its duties or obligations under an agreement or this chapter to another person, including, without limitation, an independent contractor, the provider is liable for conduct of the person which, if done by the provider, would violate the agreement or this chapter.  (Added to NRS by 2009, 1993)
NV Rev Stat § 676A.740 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.740 - Commissioner to enforce chapter; penalties.

  1. The Commissioner may enforce this chapter and regulations adopted under this chapter by taking one or more of the following actions:  (a) Ordering a provider or a director, employee or other agent of a provider to cease and desist from any violations;  (b) Ordering a provider or a person that has caused a violation to correct the violation, including, without limitation, making restitution of money or property to a person aggrieved by a violation;  (c) Subject to adjustment of the dollar amount pursuant to subsection 6 of NRS 676A.730, imposing on a provider or a person that has caused a violation a civil penalty not to exceed $10,000 for each violation;  (d) Prosecuting a civil action to:  (1) Enforce an order; or  (2) Obtain restitution or an injunction or other equitable relief, or both; or  (e) Intervening in an action brought under NRS 676A.760.  2. Subject to adjustment of the dollar amount pursuant to subsection 6 of NRS 676A.730, if a person violates or knowingly authorizes, directs or aids in the violation of a final order issued under paragraph (a) or (b) of subsection 1, the Commissioner may impose a civil penalty not to exceed $20,000 for each violation.  3. The Commissioner may maintain an action to enforce this chapter in any county.  4. The Commissioner may recover the reasonable costs of enforcing this chapter under subsections 1, 2 and 3, including, without limitation, attorney’s fees based on the hours reasonably expended and the hourly rates for attorneys of comparable experience in the community.  5. In determining the amount of a civil penalty to impose under subsection 1 or 2, the Commissioner shall consider the seriousness of the violation, the good faith of the violator, any previous violations by the violator, the deleterious effect of the violation on the public, the net worth of the violator and any other factor the Commissioner considers relevant to the determination of the civil penalty.  (Added to NRS by 2009, 1995)
NV Rev Stat § 676A.750 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.750 - Suspension, revocation or denial of renewal of registration by Commissioner.

  1. The Commissioner may suspend, revoke or deny renewal of a provider’s registration if:  (a) A fact or condition exists that, if it had existed when the registrant applied for registration as a provider, would have been a reason for denying registration;  (b) The provider has committed a material violation of this chapter or a rule or order of the Commissioner under this chapter;  (c) The provider is insolvent;  (d) The provider or an employee or affiliate of the provider has refused to permit the Commissioner to make an examination authorized by this chapter, failed to comply with paragraph (b) of subsection 2 of NRS 676A.730 within 15 days after request, or made a material misrepresentation or omission in complying with paragraph (b) of subsection 2 of NRS 676A.730; or  (e) The provider has not responded within a reasonable time and in an appropriate manner to communications from the Commissioner.  2. If a provider does not comply with subsection 6 of NRS 676A.570 or if the Commissioner otherwise finds that the public health or safety or general welfare requires emergency action, the Commissioner may order a summary suspension of the provider’s registration, effective on the date specified in the order.  3. If the Commissioner suspends, revokes or denies renewal of the registration of a provider, the Commissioner may seek a court order authorizing seizure of any or all of the money in a trust account required by NRS 676A.570, books, records, accounts and other property of the provider which are located in this State.  4. If the Commissioner suspends or revokes a provider’s registration, the provider may appeal and request a hearing pursuant to NRS 233B.121 to 233B.150, inclusive.  5. As used in this section, "insolvent" means:  (a) Having generally ceased to pay debts in the ordinary course of business other than as a result of good faith dispute;  (b) Being unable to pay debts as they become due; or  (c) Being insolvent within the meaning of the federal bankruptcy law, 11 U.S.C. §§ 101 et seq.  (Added to NRS by 2009, 1995)
NV Rev Stat § 676A.760 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.760 - Civil remedies.

  1. If an individual voids an agreement pursuant to subsection 2 of NRS 676A.610, the individual may recover in a civil action all money paid or deposited by or on behalf of the individual pursuant to the agreement, except amounts paid to creditors, in addition to the recovery under paragraphs (c) and (d) of subsection 3.  2. If an individual voids an agreement pursuant to subsection 1 of NRS 676A.610, the individual may recover in a civil action three times the total amount of the fees, charges, money and payments made by the individual to the provider, in addition to the recovery under paragraph (d) of subsection 3.  3. Subject to subsection 4, an individual with respect to whom a provider violates this chapter may recover in a civil action from the provider and any person that caused the violation:  (a) Compensatory damages for injury, including, without limitation, noneconomic injury, caused by the violation;  (b) Except as otherwise provided in subsection 4 and subject to adjustment of the dollar amount pursuant to subsection 6 of NRS 676A.730, with respect to a violation of NRS 676A.520, 676A.540 to 676A.590, inclusive, or 676A.630 or subsection 1, 2 or 5 of NRS 676A.700, the greater of the amount recoverable under paragraph (a) or $5,000;  (c) Punitive damages; and  (d) Reasonable attorney’s fees and costs.  4. In a class action, except for a violation of paragraph (e) of subsection 1 of NRS 676A.700, the minimum damages provided in paragraph (b) of subsection 3 do not apply.  5. In addition to the remedy available under subsection 3, if a provider violates an individual’s rights under NRS 676A.550, the individual may recover in a civil action all money paid or deposited by or on behalf of the individual pursuant to the agreement, except for amounts paid to creditors.  6. A provider is not liable under this section for a violation of this chapter if the provider proves that the violation was not intentional and resulted from a good faith error notwithstanding the maintenance of procedures reasonably adapted to avoid the error. An error of legal judgment with respect to a provider’s obligations under this chapter is not a good faith error. If, in connection with a violation, the provider has received more money than authorized by an agreement or this chapter, the defense provided by this subsection is not available unless the provider refunds the excess within 2 business days after learning of the violation.  7. The Commissioner shall assist an individual in enforcing a judgment against the surety bond or other security provided under NRS 676A.390 or 676A.400.  (Added to NRS by 2009, 1996)
NV Rev Stat § 676A.770 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.770 - Violation constitutes deceptive trade practice.

  1. A violation of a provision of this chapter constitutes a deceptive trade practice for the purposes of NRS 598.0903 to 598.0999, inclusive.  2. If an act or practice of a provider violates both a provision of this chapter and a provision of chapter 598 of NRS, an individual may not recover under both for the same act or practice.  (Added to NRS by 2009, 1997)
NV Rev Stat § 676A.780 (2021)
2021 Nevada Revised Statutes|Chapter 676A - Uniform Debt-Management Services Act|NRS 676A.780 - Statute of limitations for certain actions.

  1. An action or proceeding brought pursuant to subsection 1, 2 or 3 of NRS 676A.740 must be commenced within 4 years after the conduct that is the basis of the Commissioner’s complaint.  2. An action brought pursuant to NRS 676A.760 must be commenced within 2 years after the latest of:  (a) The individual’s last transmission of money to a provider;  (b) The individual’s last transmission of money to a creditor at the direction of the provider;  (c) The provider’s last disbursement to a creditor of the individual;  (d) The provider’s last accounting to the individual pursuant to subsection 1 of NRS 676A.630;  (e) The date on which the individual discovered or reasonably should have discovered the facts giving rise to the individual’s claim; or  (f) Termination of actions or proceedings by the Commissioner with respect to a violation of the chapter.  3. The period prescribed in paragraph (e) of subsection 2 is tolled during any period during which the provider or, if different, the defendant has materially and willfully misrepresented information required by this chapter to be disclosed to the individual, if the information so misrepresented is material to the establishment of the liability of the defendant under this chapter.  (Added to NRS by 2009, 1997)
NV Rev Stat § 677.010 (2021)
2021 Nevada Revised Statutes|Chapter 677 - Thrift Companies|NRS 677.010 - Short title.

This chapter may be cited as the Nevada Thrift Companies Act.  (Added to NRS by 1975, 1829)
NV Rev Stat § 677.020 (2021)
2021 Nevada Revised Statutes|Chapter 677 - Thrift Companies|NRS 677.020 - Definitions.

As used in this chapter, unless the context otherwise requires, the words and terms defined in NRS 677.030 to 677.140, inclusive, have the meanings ascribed to them in those sections.  (Added to NRS by 1975, 1829; A 1979, 995; 1983, 1817; 1985, 2196; 1987, 1997; 1997, 1014)
NV Rev Stat § 677.030 (2021)
2021 Nevada Revised Statutes|Chapter 677 - Thrift Companies|NRS 677.030 - "Amount of cash advance" defined.

Amount of cash advance means the amount of cash or its equivalent actually received by a borrower or paid out at his or her direction or on his or her behalf.  (Added to NRS by 1975, 1829)
NV Rev Stat § 677.040 (2021)
2021 Nevada Revised Statutes|Chapter 677 - Thrift Companies|NRS 677.040 - "Amount of loan obligation" defined.

Amount of loan obligation means the amount of cash advance plus the aggregate of charges added thereto pursuant to authority of this chapter.  (Added to NRS by 1975, 1829)
NV Rev Stat § 677.050 (2021)
2021 Nevada Revised Statutes|Chapter 677 - Thrift Companies|NRS 677.050 - "Borrowings" defined.

Borrowings means liability to any thrift investor or financial institution.  (Added to NRS by 1975, 1829)
NV Rev Stat § 677.060 (2021)
2021 Nevada Revised Statutes|Chapter 677 - Thrift Companies|NRS 677.060 - "Charges" defined.

Charges include:  1. The aggregate interest, fees, bonuses, commissions, brokerage, discounts, expenses and other forms of costs charged, contracted for or received by a licensee or any other person in connection with the investigating, arranging, negotiating, procuring, guaranteeing, making, servicing, collecting or enforcing of a loan, or for forbearance of money, credit, goods, things in action or any other service or services rendered; and  2. Any profit or advantage of any kind that any person may contract for, collect, receive or in any manner obtain by a collateral sale, purchase or agreement in connection with negotiating, making or otherwise in connection with any loan, except commissions received on insurance sold.  (Added to NRS by 1975, 1829)
NV Rev Stat § 677.065 (2021)
2021 Nevada Revised Statutes|Chapter 677 - Thrift Companies|NRS 677.065 - "Commissioner" defined.

Commissioner means the Commissioner of Financial Institutions.  (Added to NRS by 1987, 1997)
NV Rev Stat § 677.070 (2021)
2021 Nevada Revised Statutes|Chapter 677 - Thrift Companies|NRS 677.070 - "Community" defined.

Community means a contiguous area of the same economic unit or metropolitan area, as determined by the Commissioner, and may include all or part of a city or several towns or cities.  (Added to NRS by 1975, 1829; A 1983, 1817; 1987, 1997)
NV Rev Stat § 677.075 (2021)
2021 Nevada Revised Statutes|Chapter 677 - Thrift Companies|NRS 677.075 - "Deposit" defined.

  1. "Deposit" means that part of the liability of a licensee which is credited to the account of a depositor.  2. The term includes a time deposit evidenced by a certificate of deposit, but does not include an obligation evidenced by a thrift certificate.  (Added to NRS by 1985, 2193; A 1987, 1244)
NV Rev Stat § 677.090 (2021)
2021 Nevada Revised Statutes|Chapter 677 - Thrift Companies|NRS 677.090 - "Gross amount" defined.

Gross amount means the total amount or value advanced to or on behalf of the borrower, including all payments for interest, principal, expenses and charges of any nature taken substantially contemporaneously with the making of the loan.  (Added to NRS by 1975, 1829)
NV Rev Stat § 677.100 (2021)
2021 Nevada Revised Statutes|Chapter 677 - Thrift Companies|NRS 677.100 - "License" defined.

License means a license, issued under the authority of this chapter, to accept deposits and make loans in accordance with the provisions of this chapter, at a single place of business.  (Added to NRS by 1975, 1830; A 1985, 2196)
NV Rev Stat § 677.110 (2021)
2021 Nevada Revised Statutes|Chapter 677 - Thrift Companies|NRS 677.110 - "Licensee" defined.

Licensee means a person to whom one or more licenses have been issued.  (Added to NRS by 1975, 1830)
NV Rev Stat § 677.115 (2021)
2021 Nevada Revised Statutes|Chapter 677 - Thrift Companies|NRS 677.115 - "Loan" defined.

Loan does not include a bona fide conditional contract of sale.  (Added to NRS by 1979, 995)
NV Rev Stat § 677.125 (2021)
2021 Nevada Revised Statutes|Chapter 677 - Thrift Companies|NRS 677.125 - "Stockholders’ equity" defined.

Stockholders’ equity means the capital, surplus and retained earnings of a licensee.  (Added to NRS by 1997, 1014)
NV Rev Stat § 677.130 (2021)
2021 Nevada Revised Statutes|Chapter 677 - Thrift Companies|NRS 677.130 - "Thrift certificate" defined.

Thrift certificate means a chose in action, in passbook or certificate form, evidencing the obligation of the licensee to pay money and does not include subordinate debt securities.  (Added to NRS by 1975, 1830; A 1979, 995)
NV Rev Stat § 677.140 (2021)
2021 Nevada Revised Statutes|Chapter 677 - Thrift Companies|NRS 677.140 - "Unpaid principal balance" defined.

Unpaid principal balance means the net amount of money, credit, goods or things in action received by the borrower at the time of entering into the transaction and the decreasing balances thereof after application of each payment made on the obligation.  (Added to NRS by 1975, 1830)
NV Rev Stat § 677.145 (2021)
2021 Nevada Revised Statutes|Chapter 677 - Thrift Companies|NRS 677.145 - Certain relationships between employee of Division of Financial Institutions and licensee prohibited; termination of prohibited relationship.

  1. Except as provided in subsections 3 and 4, an officer or employee of the Division of Financial Institutions shall not:  (a) Be directly or indirectly interested in or act on behalf of any licensee;  (b) Receive, directly or indirectly, any payment from any licensee;  (c) Be indebted to any licensee;  (d) Engage in the negotiation of loans for others with any licensee; or  (e) Obtain credit or services from a licensee conditioned upon a fraudulent practice or undue or unfair preference over other customers.  2. An employee of the Division in the unclassified service of the State shall not obtain new extensions of credit from a licensee while in office.  3. Any officer or employee of the Division of Financial Institutions may be indebted to a licensee on the same terms as are available to the public generally upon:  (a) A mortgage loan on his or her own real property.  (b) A secured installment debt.  (c) An unsecured debt.  4. Any officer or employee of the Division of Financial Institutions may establish and maintain savings deposits with licensees to the greatest amount insured, receive interest on those deposits and borrow money secured by a pledge of those deposits.  5. If an officer or employee of the Division of Financial Institutions has a service, a preferred consideration, an interest or a relationship prohibited by this section at the time of his or her appointment or employment, or obtains it during his or her employment, he or she shall terminate it within 120 days after the date of his or her appointment or employment or the discovery of the prohibited act.  (Added to NRS by 1983, 1816)
NV Rev Stat § 677.147 (2021)
2021 Nevada Revised Statutes|Chapter 677 - Thrift Companies|NRS 677.147 - Applicability of chapters 78 and 92A of NRS.

The provisions of chapters 78 and 92A of NRS that are not in conflict with this chapter are hereby adopted as part of this chapter.  (Added to NRS by 1997, 1014)
NV Rev Stat § 677.148 (2021)
2021 Nevada Revised Statutes|Chapter 677 - Thrift Companies|NRS 677.148 - Applicability of provisions concerning Regulatory Experimentation Program for Product Innovation. [Effective January 1, 2020.]

Except as otherwise required by the Director of the Department of Business and Industry pursuant to NRS 657A.430 or 657A.620, the provisions of this chapter do not apply to a participant in the Regulatory Experimentation Program for Product Innovation established and administered pursuant to chapter 657A of NRS.  (Added to NRS by 2019, 4000, effective January 1, 2020)
NV Rev Stat § 677.150 (2021)
2021 Nevada Revised Statutes|Chapter 677 - Thrift Companies|NRS 677.150 - Authorization by Commissioner.

If authorized by the Commissioner, as provided in this chapter, a corporation may be formed in accordance with the laws of this state to engage in business under this chapter.  (Added to NRS by 1975, 1830; A 1983, 1817; 1987, 1997; 1997, 1014)