reglab/housing_qa huggingface dataset:
ID Code § 45-1602 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 16 - CONSUMER FORECLOSURE PROTECTION ACT|Section 45-1602 - CONTRACT NOTICE.

45-1602. CONTRACT NOTICE. (1) During the foreclosure period described in section 45-1506, Idaho Code, any contract or agreement with the owner or owners of record that involves the transfer of any interest in residential real property, as defined in section 45-525(5)(b), Idaho Code, subject to foreclosure must be in writing and must be accompanied by and affixed to the following notice in twelve (12) point boldface type and on a separate sheet of paper no smaller than eight and one-half (8 1/2) inches by eleven (11) inches:   "NOTICE REQUIRED BY IDAHO LAW  Mortgage foreclosure is a legal proceeding where a lender terminates a borrower’s interest in property to satisfy unpaid debt secured by the property. This can mean that when a homeowner gets behind on his or her mortgage payments, the lender forces a sale of the home on which the mortgage loan is based. Some individuals or businesses may say they can "save" your home from foreclosure. You should be cautious about such claims. It is important that you understand all the terms of a plan to "rescue" you from mortgage foreclosure and how it will affect you. It may result in your losing valuable equity that you may have in your home. If possible, you should consult with an attorney or financial professional to find out what other options you may have. Do not delay seeking advice, because the longer you wait, the fewer options you may have.  You may find helpful information online. One excellent source is the Department of Housing and Urban Development (HUD) website which can be found at "http://www.hud.gov/foreclosure/index.cfm". HUD also maintains on its website a list of approved housing counselors who can provide free information to assist homeowners with financial problems. Another good source of information is found at the Office of the Attorney General’s website at "http://www2.state.id.us/ag/".  Under Idaho law, you have five (5) days to rescind or undo certain contracts or agreements that relate to transferring interests in property or money in a foreclosure situation. An attorney or financial professional can tell you more about this option.".  (2) If during the foreclosure period described in section 45-1506, Idaho Code, any contract or agreement that involves the transfer of any interest in residential real property, as defined in section 45-525(5)(b), Idaho Code, was solicited, negotiated, or represented to the consumer in the Spanish language, the written notice to be provided to the consumer and set forth in this section shall be in the Spanish language on a form to be prepared and made available by the office of the attorney general.  History: [45-1602, added 2008, ch. 192, sec. 1, p. 601; am. 2009, ch. 136, sec. 2, p. 418.]
ID Code § 45-1603 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 16 - CONSUMER FORECLOSURE PROTECTION ACT|Section 45-1603 - RIGHT OF RESCISSION OF CONTRACT.

45-1603. RIGHT OF RESCISSION OF CONTRACT. (1) In addition to any other legal right to cancel or rescind a contract, any person whose property is in foreclosure as described in section 45-1505, Idaho Code, has the right to cancel or rescind any and all contracts or agreements relating to such property entered into during the foreclosure period within five (5) business days of entering into such contract or agreement. Neither funds nor an interest in the property shall be transferred or transferable until the five (5) days have passed. (2) Cancellation occurs when such person gives written notice of cancellation to all other parties to the contract. Notice of cancellation need not take any particular form and, however expressed, is effective if it indicates the intention not to be bound by the contract. (3) Notice of cancellation, if given by mail, is effective when deposited in the mail properly addressed with postage prepaid. Notice by certified mail, return receipt requested, addressed to the address specified in the contract or agreement, shall be conclusive proof of notice of service.  History: [45-1603, added 2008, ch. 192, sec. 1, p. 602.]
ID Code § 45-1604 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 16 - CONSUMER FORECLOSURE PROTECTION ACT|Section 45-1604 - EXCLUSIONS.

45-1604. EXCLUSIONS. The provisions of this chapter shall not apply to: (1) Regulated lenders, as defined in section 28-41-301, Idaho Code; (2) Any person licensed or chartered under the laws of any state or of the United States as a bank, trust company, savings and loan association, credit union, or industrial loan company. The terms "bank," "trust company," "savings and loan association," "credit union" and "industrial loan company" shall include affiliates or wholly owned subsidiaries of such organizations, provided that the affiliate or subsidiary is regularly examined by the chartering state or federal agency for consumer compliance purposes; (3) Mortgage lenders and mortgage brokers licensed under the Idaho residential mortgage practices act, sections 26-31-101 et seq., Idaho Code; (4) Employees and agents of the organizations specified in subsections (1), (2) and (3) of this section, when acting within the scope of such employment or agency; and (5) Family member or members of the owner or owners of record of any interest in residential real property subject to foreclosure. For purposes of this chapter, "family member or members" means a natural person or the spouse of a natural person who is related to such owner or owners of record by blood, adoption or marriage within the second degree of consanguinity or a grandchild or the spouse of a grandchild.  History: [45-1604, added 2008, ch. 192, sec. 1, p. 602; am. 2013, ch. 54, sec. 15, p. 122; am. 2015, ch. 244, sec. 27, p. 1022.]
ID Code § 45-1605 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 16 - CONSUMER FORECLOSURE PROTECTION ACT|Section 45-1605 - PENALTIES.

45-1605. PENALTIES. In addition to any other penalty provided by law, any person who violates the provisions of this chapter shall be liable for penalties and damages in accordance with chapter 6, title 48, Idaho Code.  History: [45-1605, added 2008, ch. 192, sec. 1, p. 603.]
ID Code § 45-1801 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 18 - AGRICULTURAL COMMODITY DEALER LIENS|Section 45-1801 - DEFINITIONS.

45-1801. DEFINITIONS. As used in this chapter: (1) "Agricultural product" means wheat, corn, oats, barley, rye, lentils, soybeans, grain sorghum, dry beans and peas, beans, safflower, sunflower seeds, tame mustards, rapeseed, flaxseed, leguminous seed or other small seed, or any other agricultural commodity, including any of the foregoing, whether cleaned, processed, treated, reconditioned or whether mixed, rolled or combined in any fashion or by any means to create a product used as animal, poultry or fish feed. (2) "Agricultural commodity dealer" means any person who contracts for or solicits any agricultural product from an agricultural producer or negotiates the consignment or purchase of any agricultural product, or receives for sale, resale or shipment for storage, processing, cleaning or reconditioning, any agricultural product, or who buys during any calendar year, at least ten thousand dollars ($10,000) worth of agricultural products from the producer or producers of the commodity. Agricultural commodity dealer shall not mean a person who purchases agricultural products for his own use as seed or feed. (3) "Agricultural commodity producer" means the owner, tenant or operator of land who receives all or part of the proceeds from the sale, under contract, bailment or otherwise, or delivery under contract or bailment, of agricultural products produced on that land. (4) "Person" means an individual, trust, partnership, limited liability company, corporation, or unincorporated association or any other legal or commercial entity.  History: [45-1801, added 1983, ch. 202, sec. 1, p. 549; am. 1989, ch. 265, sec. 1, p. 644; am. 2001, ch. 363, sec. 1, p. 1279; am. 2002, ch. 308, sec. 1, p. 878.]
ID Code § 45-1802 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 18 - AGRICULTURAL COMMODITY DEALER LIENS|Section 45-1802 - LIEN CREATED — WHO MAY HAVE.

45-1802. LIEN CREATED — WHO MAY HAVE. An agricultural commodity producer or an agricultural commodity dealer who sells, or delivers under contract or bailment, an agricultural product has a lien on the agricultural product or the proceeds of the sale of the agricultural product as provided in section 45-1804, Idaho Code. The lien created in this chapter may attach regardless of whether the purchaser uses the agricultural product purchased to increase the value of his livestock or whether he uses the agricultural product purchased to maintain the value, health or status of his livestock without actually increasing the value of his agricultural product.  History: [45-1802, added 1983, ch. 202, sec. 1, p. 550; am. 1989, ch. 299, sec. 1, p. 746; am. 2000, ch. 339, sec. 1, p. 1133; am. 2001, ch. 363, sec. 2, p. 1279.]
ID Code § 45-1803 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 18 - AGRICULTURAL COMMODITY DEALER LIENS|Section 45-1803 - WHEN LIEN ATTACHES.

45-1803. WHEN LIEN ATTACHES. The lien created by section 45-1802, Idaho Code, attaches to the agricultural product and to the proceeds of the subsequent sale of the agricultural product on the date the agricultural product is physically delivered to the purchaser or on the date any final payment is due, and unpaid, to the agricultural commodity producer or agricultural commodity dealer under any contract or bailment, whichever occurs last.  History: [45-1803, added 1983, ch. 202, sec. 1, p. 550; am. 2002, ch. 308, sec. 2, p. 879.]
ID Code § 45-1804 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 18 - AGRICULTURAL COMMODITY DEALER LIENS|Section 45-1804 - DURATION OF LIEN — NOTICE OF LIEN.

45-1804. DURATION OF LIEN — NOTICE OF LIEN. (1) The lien provided for by section 45-1802, Idaho Code, remains in effect for a period of one hundred eighty (180) days after the date of attachment, except as provided in subsection (2) of this section. (2) The lien provided for by section 45-1802, Idaho Code, is continued for a period of one (1) year from the date of filing if a written notice of lien, on a form prescribed by the secretary of state, is filed with the secretary of state by the agricultural commodity producer or the agricultural commodity dealer within one hundred eighty (180) days after the date of attachment. The form for the notice of lien shall require the following information: (a) A statement of the amount claimed by the agricultural commodity producer or agricultural commodity dealer after deducting all credits and offsets; (b) The name, address and signature of the agricultural commodity producer or agricultural commodity dealer claiming the lien; (c) The name and address of the person who purchased the agricultural product from the agricultural commodity producer or agricultural commodity dealer; (d) A description of the agricultural product charged with the lien including crop year; and (e) Such other information as the form prescribed by the secretary of state may require. (3) The notice of lien shall be entered in a searchable database maintained by the secretary of state.  History: [45-1804, added 1983, ch. 202, sec. 1, p. 550; am. 1989, ch. 4, sec. 1, p. 5; am. 1989, ch. 265, sec. 2, 645; am. 2000, ch. 339, sec. 2, p. 1133; am. 2001, ch. 363, sec. 3, p. 1280; am. 2002, ch. 308, sec. 3, p. 879.]
ID Code § 45-1805 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 18 - AGRICULTURAL COMMODITY DEALER LIENS|Section 45-1805 - PRIORITY OF LIEN.

45-1805. PRIORITY OF LIEN. The lien created by section 45-1802, Idaho Code, is preferred to a lien or security interest in favor of a creditor of the purchaser, regardless of whether the creditor’s lien or security interest attaches to the agricultural product or proceeds of the sale of the agricultural product before or after the date on which the lien created by section 45-1802, Idaho Code, attaches.  History: [45-1805, added 1983, ch. 202, sec. 1, p. 550.]
ID Code § 45-1806 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 18 - AGRICULTURAL COMMODITY DEALER LIENS|Section 45-1806 - DISCHARGE OF LIEN.

45-1806. DISCHARGE OF LIEN. The lien created by section 45-1802, Idaho Code, is discharged when the lienholder receives full payment for the agricultural product. If payment is received in the form of a negotiable instrument, full payment is received when the negotiable instrument clears banking channels.  History: [45-1806, added 1983, ch. 202, sec. 1, p. 551.]
ID Code § 45-1807 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 18 - AGRICULTURAL COMMODITY DEALER LIENS|Section 45-1807 - FILING NOTICE OF DISCHARGE.

45-1807. FILING NOTICE OF DISCHARGE. (1) If a notice of lien is filed pursuant to section 45-1804, Idaho Code, and the lienholder subsequently receives full payment, the lienholder shall file with the secretary of state a notice of discharge, signed by the lienholder, declaring that full payment has been received and that the lien is discharged. (2) Upon receiving the notice, the secretary of state shall enter it in a searchable database kept to record such liens. (3) If a lienholder, after receiving full payment, fails to file a notice of discharge of the lien within thirty (30) days after being requested in writing to do so, he is liable to the purchaser of the agricultural product for damages in the amount of three hundred dollars ($300).  History: [45-1807, added 1983, ch. 202, sec. 1, p. 551; am. 2000, ch. 339, sec. 3, p. 1134.]
ID Code § 45-1808 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 18 - AGRICULTURAL COMMODITY DEALER LIENS|Section 45-1808 - FORM OF FILING WITH SECRETARY OF STATE — FEES.

45-1808. FORM OF FILING WITH SECRETARY OF STATE — FEES. The secretary of state shall prescribe the form of the filing provided for by sections 45-1804 and 45-1807, Idaho Code. The fee for the filing provided for by section 45-1804, Idaho Code shall be five dollars ($5.00). The fee for searching the database maintained by the secretary of state pursuant to this chapter shall be five dollars ($5.00). There shall be no fee for filing a notice of discharge pursuant to section 45-1807, Idaho Code.  History: [45-1808, added 1983, ch. 202, sec. 1, p. 551; am. 1984, ch. 43, sec. 1, p. 71; am. 2000, ch. 339, sec. 4, p. 1134.]
ID Code § 45-1809 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 18 - AGRICULTURAL COMMODITY DEALER LIENS|Section 45-1809 - JOINDER OF ACTIONS — FILING FEES AS COSTS — ATTORNEY’S FEES.

45-1809. JOINDER OF ACTIONS — FILING FEES AS COSTS — ATTORNEY’S FEES. Any number of persons claiming liens against the same property under this chapter may join in the same action, and when separate actions are commenced, the court may consolidate them. The court shall also, as part of the cost, allow the moneys paid for filing and recording the claim, and a reasonable attorney’s fee for each person claiming a lien.  History: [45-1809, added 1989, ch. 4, sec. 2, p. 6; 1989, ch. 265, sec. 3, p. 646.]
ID Code § 45-1810 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 18 - AGRICULTURAL COMMODITY DEALER LIENS|Section 45-1810 - TRANSITION FROM COUNTY FILING TO FILING WITH THE SECRETARY OF STATE.

45-1810. TRANSITION FROM COUNTY FILING TO FILING WITH THE SECRETARY OF STATE. All liens created by this chapter on and after July 1, 2000, shall be filed with the secretary of state. All rights and duties obtained by secured parties pursuant to this chapter before July 1, 2000, shall remain in effect; provided, that liens created by this chapter before July 1, 2000, that are properly filed in the office of the county recorder before that date shall remain in effect and may be extended or renewed in the county beyond July 1, 2000.  History: [45-1810, added 2000, ch. 339, sec. 5, p. 1134.]
ID Code § 45-1901 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 19 - STATE LIENS|Section 45-1901 - PURPOSE AND SCOPE.

45-1901. PURPOSE AND SCOPE. (1) The purpose of this chapter is to provide a system for filing notices of liens in favor of or enforced by the state of Idaho with the office of the secretary of state. (2) The scope of this chapter is limited to liens in the real and personal property of: (a) Taxpayers or other persons against whom the state tax commission has liens pursuant to title 63, Idaho Code, for unpaid personal or corporation income tax, sales tax, employee withholding taxes, fuel tax, or any other amounts due under statutes administered by the commission, plus interest, penalties and additional amounts; (b) Persons against whom the department of labor has liens pursuant to chapter 13, title 72, Idaho Code, for unpaid employment security contributions, plus interest and penalties; (c) Persons liable for overpayment of benefits against whom the department of labor has liens pursuant to chapter 13, title 72, Idaho Code, for overpayment of benefits, plus interest; (d) Persons against whom the department of labor has liens for wage claims pursuant to chapter 6, title 45, Idaho Code; (e) Individuals who are subject to liens for child support delinquency pursuant to chapter 12, title 7, Idaho Code; and (f) Individuals who are subject to liens pursuant to chapter 2, title 56, Idaho Code, for medical assistance, or the estates of such individuals.  History: [45-1901, added 1997, ch. 205, sec. 1, p. 607; am. 1999, ch. 51, sec. 25, p. 128.]
ID Code § 45-1902 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 19 - STATE LIENS|Section 45-1902 - DEFINITIONS.

45-1902. DEFINITIONS. (1) "Debtor" means a taxpayer or other person against whom there is a final unpaid tax assessment collectible by the state tax commission, a person against whom the department of labor has a lien for a wage claim, unpaid contributions or overpayment of benefits, an individual who is subject to a lien for child support delinquency, or an individual who is subject to a lien for medical assistance. (2) "Delivered" means transmission to and receipt by the secretary of state of a notice of lien or other notice in any medium to which the filing agency and the secretary of state have agreed. (3) "Filing agency" means the state tax commission, the department of labor or the department of health and welfare. (4) "Person" means an individual, organization or legal entity.  History: [45-1902, added 1997, ch. 205, sec. 1, p. 608; am. 1999, ch. 51, sec. 26, p. 128.]
ID Code § 45-1903 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 19 - STATE LIENS|Section 45-1903 - CREATION OF LIEN — ATTACHMENT.

45-1903. CREATION OF LIEN — ATTACHMENT. Creation and attachment of liens for which notices are filed pursuant to this chapter are governed by the provisions of chapter 6 of title 45, title 63, chapter 13 of title 72, chapter 12 of title 7, and chapter 2 of title 56, Idaho Code.  History: [45-1903, added 1997, ch. 205, sec. 1, p. 608; am. 1999, ch. 51, sec. 27, p. 129.]
ID Code § 45-1904 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 19 - STATE LIENS|Section 45-1904 - NOTICE OF LIEN — CONTENT — DELIVERY.

45-1904. NOTICE OF LIEN — CONTENT — DELIVERY. (1) The notice of lien shall include: (a) The name and last known address of the debtor; (b) The name and address of the filing agency; (c) The basis for the lien, including, but not limited to, income tax, sales tax, employment security contributions, payments in lieu of contributions, overpayment of benefits, wage claims, a child support delinquency or medical assistance; (d) Such other information as may be required by the relevant provisions under which the lien was created and attached, or as may be agreed by the filing agency and the secretary of state. (2) The notice of lien will be delivered to and receipt will be acknowledged by the secretary of state in a medium and format to which the filing agency and the secretary of state have agreed. (3) Each notice of lien shall be authenticated by the filing agency in a manner to which the filing agency and the secretary of state have agreed. (4) A notice of lien is filed when it complies with subsection (1) of this section and has been delivered to and receipt acknowledged by the secretary of state.  History: [45-1904, added 1997, ch. 205, sec. 1, p. 608; am. 1999, ch. 51, sec. 28, p. 129.]
ID Code § 45-1905 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 19 - STATE LIENS|Section 45-1905 - EFFECT OF NOTICE — PRIORITY.

45-1905. EFFECT OF NOTICE — PRIORITY. (1) When a notice of lien is filed, the state lien is perfected in all of the existing and after-acquired property of the debtor, both real and personal, tangible and intangible, to which the lien attaches pursuant to the relevant provisions of chapter 6 of title 45, title 63, chapter 13 of title 72, chapter 12 of title 7, or chapter 2 of title 56, Idaho Code. (2) As to personal property, the perfected lien shall have the same priority as a security interest which becomes perfected under chapter 9, title 28, Idaho Code, at the same time the notice of lien is filed. (3) As to real property, the perfected lien shall have the same priority as a mortgage which is recorded at the same time the notice of lien is filed. (4) Nothing herein limits the authority of the state tax commission to subordinate its lien to another lien in the manner provided by section 63-3055, Idaho Code.  History: [45-1905, added 1997, ch. 205, sec. 1, p. 609; am. 1999, ch. 51, sec. 29, p. 129.]
ID Code § 45-1906 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 19 - STATE LIENS|Section 45-1906 - DURATION OF NOTICE — LAPSE — CONTINUATION.

45-1906. DURATION OF NOTICE — LAPSE — CONTINUATION. (1) Except as provided in subsection (2) of this section, a notice of lien is effective for a period of five (5) years from the date of filing, unless sooner released by the filing agency. Effectiveness of the notice of lien lapses on the expiration of the five (5) year period unless a notice of continuation is filed prior to the lapse. (2) A notice of lien for child support delinquency is effective until a notice of release of lien is filed by the department of health and welfare. (3) Upon release or lapse of the notice’s effectiveness, the state lien becomes unperfected. In that case, the lien is deemed to have been unperfected as against a person who became a purchaser or lien creditor before the release or lapse. (4) Except as to notices of lien filed pursuant to subsection (2) of this section, a notice of continuation of effectiveness of the notice of lien may be filed by the filing agency within six (6) months prior to the expiration of the five (5) year period specified in subsection (1) of this section. The notice of continuation will be delivered to and receipt acknowledged by the secretary of state in a medium and format to which the filing agency and the secretary of state have agreed, and shall be authenticated by the filing agency in a manner to which the filing agency and the secretary of state have agreed. Upon filing of the notice of continuation, the effectiveness of the original notice of lien is continued for five (5) years after the last date to which the notice of lien was effective, whereupon it lapses unless another notice of continuation is filed prior to such lapse.  History: [45-1906, added 1997, ch. 205, sec. 1, p. 609.]