reglab/housing_qa huggingface dataset:
MI Comp L § 445.1857 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 162 of 1995 - Credit Reform Act (445.1851 - 445.1864)|Section 445.1857 - Fees or Charges Servicing Extension of Credit; Charge, Collection, and Receipt by Depository Institution; Credit Card Arrangement Fees and Charges Considered as Interest; Excessive Fee or Charge.

445.1857 Fees or charges servicing extension of credit; charge, collection, and receipt by depository institution; credit card arrangement fees and charges considered as interest; excessive fee or charge. Sec. 7.  (1) In addition to the interest or finance charges that are authorized under section 4, a depository institution may charge, collect, and receive from a borrower or buyer all fees and charges that are agreed to or accepted by the borrower or buyer including those relating to making, closing, processing, disbursing, extending, committing to extend, readjusting, renewing, collecting payments upon, or otherwise servicing an extension of credit or any occurrence or transaction related to an extension of credit.  (2) For any credit card arrangement, all fees and charges allowed by this section are considered interest.  (3) A depository institution shall not require a borrower or buyer to pay an excessive fee or charge. History: 1995, Act 162, Eff. Mar. 28, 1996 Compiler's Notes: For transfer of authority, powers, duties, functions, and responsibility of the financial institutions bureau and the commissioner of the financial institutions bureau to the commissioner of the office of financial and insurance services and the office of financial and insurance services by type III transfer, see E.R.O. No. 2000-2, compiled at MCL 445.2003 of the Michigan compiled laws.
MI Comp L § 445.1858 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 162 of 1995 - Credit Reform Act (445.1851 - 445.1864)|Section 445.1858 - Certain Provisions in Written Agreement as Void and Unenforceable.

445.1858 Certain provisions in written agreement as void and unenforceable. Sec. 8.  Any of the following provisions contained in a written document made in connection with an extension of credit to an individual for personal, family, or household purposes are void and unenforceable:  (a) A power of attorney to confess a judgment.  (b) Unless otherwise expressly provided for by law, a waiver of a borrower's or buyer's rights under this act.  (c) Except as authorized by this act, an agreement by a borrower or buyer to pay a penalty. Late payment and prepayment charges are not penalties. History: 1995, Act 162, Eff. Mar. 28, 1996 Compiler's Notes: For transfer of authority, powers, duties, functions, and responsibility of the financial institutions bureau and the commissioner of the financial institutions bureau to the commissioner of the office of financial and insurance services and the office of financial and insurance services by type III transfer, see E.R.O. No. 2000-2, compiled at MCL 445.2003 of the Michigan compiled laws.
MI Comp L § 445.1859 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 162 of 1995 - Credit Reform Act (445.1851 - 445.1864)|Section 445.1859 - Additional Financial Services as Condition for Loan Approval Prohibited; Offer of Services; Certain Transactions or Requirements Not Prohibited; Applicability of Section to Depository Institution Subject to 12 u.s.c. 1972; Definitions.

445.1859 Additional financial services as condition for loan approval prohibited; offer of services; certain transactions or requirements not prohibited; applicability of section to depository institution subject to 12 U.S.C. 1972; definitions. Sec. 9.  (1) A regulated lender shall not require as a condition of approving a loan that the borrower contract for 1 or more additional financial services offered by the regulated lender or a particular service provider designated by the regulated lender.  (2) This section does not preclude a regulated lender from offering a combination of 2 or more services under prices or terms that are more favorable to the borrower than the prices or terms the services would be offered separately.  (3) This section does not prohibit a transaction or requirement that is not prohibited by federal law.  (4) This section does not apply to a requirement by a depository institution subject to 12 U.S.C. 1972 or by an affiliate of 1 or more of such depository institutions.  (5) As used in this section:  (a) "Affiliate" means a person that controls, is controlled by, or is under common control with 1 or more depository institutions.  (b) "Control" means the possession, directly or indirectly, of the power to direct or cause the direction of the management or policies of a person. History: 1995, Act 162, Eff. Mar. 28, 1996 Compiler's Notes: For transfer of authority, powers, duties, functions, and responsibility of the financial institutions bureau and the commissioner of the financial institutions bureau to the commissioner of the office of financial and insurance services and the office of financial and insurance services by type III transfer, see E.R.O. No. 2000-2, compiled at MCL 445.2003 of the Michigan compiled laws.
MI Comp L § 445.1860 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 162 of 1995 - Credit Reform Act (445.1851 - 445.1864)|Section 445.1860 - Written Complaint Alleging Violation of Act; Duty of Commissioner.

445.1860 Written complaint alleging violation of act; duty of commissioner. Sec. 10.  Upon receipt of a written complaint alleging a violation of this act by a regulated lender, the commissioner shall do 1 of the following:  (a) Investigate the complaint if the regulated lender is chartered, licensed, or regulated by the commissioner.  (b) If the regulated lender is not subject to the jurisdiction of the commissioner, forward the complaint to the appropriate regulatory or investigatory authority. History: 1995, Act 162, Eff. Mar. 28, 1996 Compiler's Notes: For transfer of authority, powers, duties, functions, and responsibility of the financial institutions bureau and the commissioner of the financial institutions bureau to the commissioner of the office of financial and insurance services and the office of financial and insurance services by type III transfer, see E.R.O. No. 2000-2, compiled at MCL 445.2003 of the Michigan compiled laws.
MI Comp L § 445.1861 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 162 of 1995 - Credit Reform Act (445.1851 - 445.1864)|Section 445.1861 - Action by Attorney General, Prosecuting Attorney, or Borrower; Recovery of Interest or Other Charges; Attorney Fees and Court Costs; Class Action.

445.1861 Action by attorney general, prosecuting attorney, or borrower; recovery of interest or other charges; attorney fees and court costs; class action. Sec. 11.  (1) The attorney general, the prosecuting attorney for the county where an alleged violation occurred, or a borrower may bring an action against a regulated lender to do 1 or more of the following:  (a) Obtain a declaratory judgment that a method, act, or practice of a regulated lender is a violation of this act.  (b) Enjoin a regulated lender 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 regulated lender for a non-credit 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 regulated lender 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 regulated lender is found to have willfully and knowingly violated this act and $20,000.00 if the regulated lender is found to have persistently violated this act.  (2) Except for a violation described in section 12, a regulated lender 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 regulated lender 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: 1995, Act 162, Eff. Mar. 28, 1996 Compiler's Notes: For transfer of authority, powers, duties, functions, and responsibility of the financial institutions bureau and the commissioner of the financial institutions bureau to the commissioner of the office of financial and insurance services and the office of financial and insurance services by type III transfer, see E.R.O. No. 2000-2, compiled at MCL 445.2003 of the Michigan compiled laws.
MI Comp L § 445.1862 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 162 of 1995 - Credit Reform Act (445.1851 - 445.1864)|Section 445.1862 - Violation of Act; Exceptions.

445.1862 Violation of act; exceptions. Sec. 12.  (1) A regulated lender is not liable for a violation of this act if the regulated lender has fully complied with the federal truth-in-lending act, Public Law 90-321, 15 U.S.C. 1601 to 1667e 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.  (2) A regulated lender is not liable for a violation of this act if, within 60 days after discovering the violation and before the institution of an action under section 11, the regulated lender notifies the borrower or buyer of the violation and corrects the violation in a manner that, to the extent it is reasonably possible to do so, restores the borrower or buyer to the position in which the borrower or buyer would have been if the violation had not occurred.  (3) The burden of proving that a violation was an unintentional and bona fide error is on the regulated lender. History: 1995, Act 162, Eff. Mar. 28, 1996 Compiler's Notes: For transfer of authority, powers, duties, functions, and responsibility of the financial institutions bureau and the commissioner of the financial institutions bureau to the commissioner of the office of financial and insurance services and the office of financial and insurance services by type III transfer, see E.R.O. No. 2000-2, compiled at MCL 445.2003 of the Michigan compiled laws.
MI Comp L § 445.1863 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 162 of 1995 - Credit Reform Act (445.1851 - 445.1864)|Section 445.1863 - Enforcement of Other Laws Not Limited.

445.1863 Enforcement of other laws not limited. Sec. 13.  This act does not limit the authority of the commissioner, the attorney general, or a county prosecutor to enforce any law under which a regulated lender is chartered, organized, licensed, regulated, or otherwise authorized to extend credit. History: 1995, Act 162, Eff. Mar. 28, 1996 Compiler's Notes: For transfer of authority, powers, duties, functions, and responsibility of the financial institutions bureau and the commissioner of the financial institutions bureau to the commissioner of the office of financial and insurance services and the office of financial and insurance services by type III transfer, see E.R.O. No. 2000-2, compiled at MCL 445.2003 of the Michigan compiled laws.
MI Comp L § 445.1864 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 162 of 1995 - Credit Reform Act (445.1851 - 445.1864)|Section 445.1864 - Validity of Transactions, Rates of Interest, Fees, or Charges.

445.1864 Validity of transactions, rates of interest, fees, or charges. Sec. 14.  This act does not impair the validity of a transaction, rate of interest, fee, or charge that is otherwise lawful. History: 1995, Act 162, Eff. Mar. 28, 1996 Compiler's Notes: For transfer of authority, powers, duties, functions, and responsibility of the financial institutions bureau and the commissioner of the financial institutions bureau to the commissioner of the office of financial and insurance services and the office of financial and insurance services by type III transfer, see E.R.O. No. 2000-2, compiled at MCL 445.2003 of the Michigan compiled laws.
MI Comp L § 445.1901 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 448 of 1998 - Uniform Trade Secrets Act (445.1901 - 445.1910)|Section 445.1901 - Short Title.

445.1901 Short title. Sec. 1.  This act shall be known and may be cited as the "uniform trade secrets act". History: 1998, Act 448, Imd. Eff. Dec. 30, 1998
MI Comp L § 445.1902 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 448 of 1998 - Uniform Trade Secrets Act (445.1901 - 445.1910)|Section 445.1902 - Definitions.

445.1902 Definitions. Sec. 2.  As used in this act:  (a) "Improper means" includes theft, bribery, misrepresentation, breach, or inducement of a breach of a duty to maintain secrecy or espionage through electronic or any other means.  (b) "Misappropriation" means either of the following:  (i) Acquisition of a trade secret of another by a person who knows or has reason to know that the trade secret was acquired by improper means.  (ii) Disclosure or use of a trade secret of another without express or implied consent by a person who did 1 or more of the following:  (A) Used improper means to acquire knowledge of the trade secret.  (B) At the time of disclosure or use, knew or had reason to know that his or her knowledge of the trade secret was derived from or through a person who had utilized improper means to acquire it, acquired under circumstances giving rise to a duty to maintain its secrecy or limit its use, or derived from or through a person who owed a duty to the person to maintain its secrecy or limit its use.  (C) Before a material change of his or her position, knew or had reason to know that it was a trade secret and that knowledge of it had been acquired by accident or mistake.  (c) "Person" means an individual, corporation, partnership, association, governmental entity, or any other legal entity.  (d) "Trade secret" means information, including a formula, pattern, compilation, program, device, method, technique, or process, that is both of the following:  (i) Derives independent economic value, actual or potential, from not being generally known to, and not being readily ascertainable by proper means by, other persons who can obtain economic value from its disclosure or use.  (ii) Is the subject of efforts that are reasonable under the circumstances to maintain its secrecy. History: 1998, Act 448, Imd. Eff. Dec. 30, 1998
MI Comp L § 445.1903 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 448 of 1998 - Uniform Trade Secrets Act (445.1901 - 445.1910)|Section 445.1903 - Misappropriation; Injunction.

445.1903 Misappropriation; injunction. Sec. 3.  (1) Actual or threatened misappropriation may be enjoined. Upon application to the court of competent jurisdiction, an injunction shall be terminated when the trade secret has ceased to exist, but the injunction may be continued for an additional reasonable period of time in order to eliminate commercial advantage that otherwise would be derived from the misappropriation.  (2) If a court determines that it would be unreasonable to prohibit future use of a trade secret, an injunction may condition future use upon payment of a reasonable royalty for no longer than the period of time the use could have been prohibited.  (3) In appropriate circumstances, affirmative acts to protect a trade secret may be compelled by court order. History: 1998, Act 448, Imd. Eff. Dec. 30, 1998
MI Comp L § 445.1904 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 448 of 1998 - Uniform Trade Secrets Act (445.1901 - 445.1910)|Section 445.1904 - Misappropriation; Recovery of Damages.

445.1904 Misappropriation; recovery of damages. Sec. 4.  Except to the extent that a material and prejudicial change of position prior to acquiring knowledge or reason to know of misappropriation renders a monetary recovery inequitable, a complainant is entitled to recover damages for misappropriation. Damages can include both the actual loss caused by misappropriation and the unjust enrichment caused by misappropriation that is not taken into account in computing actual loss. In lieu of damages measured by any other methods, the damages caused by misappropriation may be measured by imposition of liability for a reasonable royalty for a misappropriator's unauthorized disclosure or use of a trade secret. History: 1998, Act 448, Imd. Eff. Dec. 30, 1998
MI Comp L § 445.1905 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 448 of 1998 - Uniform Trade Secrets Act (445.1901 - 445.1910)|Section 445.1905 - Award of Attorney's Fees.

445.1905 Award of attorney's fees. Sec. 5.  If a claim of misappropriation is made in bad faith, a motion to terminate an injunction is made or resisted in bad faith, or willful and malicious misappropriation exists, the court may award reasonable attorney's fees to the prevailing party. History: 1998, Act 448, Imd. Eff. Dec. 30, 1998
MI Comp L § 445.1906 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 448 of 1998 - Uniform Trade Secrets Act (445.1901 - 445.1910)|Section 445.1906 - Trade Secret; Preservation of Secrecy.

445.1906 Trade secret; preservation of secrecy. Sec. 6.  In an action under this act, a court shall preserve the secrecy of an alleged trade secret by reasonable means, which may include granting protective orders in connection with discovery proceedings, holding in camera hearings, sealing the records of the action, and ordering any person involved in the litigation not to disclose an alleged trade secret without prior court approval. History: 1998, Act 448, Imd. Eff. Dec. 30, 1998
MI Comp L § 445.1907 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 448 of 1998 - Uniform Trade Secrets Act (445.1901 - 445.1910)|Section 445.1907 - Statute of Limitations; Continuing Misappropriation as Single Claim.

445.1907 Statute of limitations; continuing misappropriation as single claim. Sec. 7.  An action for misappropriation must be brought within 3 years after the misappropriation is discovered or by the exercise of reasonable diligence should have been discovered. For the purposes of this section, a continuing misappropriation constitutes a single claim. History: 1998, Act 448, Imd. Eff. Dec. 30, 1998
MI Comp L § 445.1908 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 448 of 1998 - Uniform Trade Secrets Act (445.1901 - 445.1910)|Section 445.1908 - Other Laws and Remedies; Effect.

445.1908 Other laws and remedies; effect. Sec. 8.  (1) Except as provided in subsection (2), this act displaces conflicting tort, restitutionary, and other law of this state providing civil remedies for misappropriation of a trade secret.  (2) This act does not affect any of the following:  (a) Contractual remedies, whether or not based upon misappropriation of a trade secret.  (b) Other civil remedies that are not based upon misappropriation of a trade secret.  (c) Criminal remedies, whether or not based upon misappropriation of a trade secret. History: 1998, Act 448, Imd. Eff. Dec. 30, 1998
MI Comp L § 445.1909 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 448 of 1998 - Uniform Trade Secrets Act (445.1901 - 445.1910)|Section 445.1909 - Applicability and Construction of Act.

445.1909 Applicability and construction of act. Sec. 9.  This act shall be applied and construed to effectuate its general purpose to make uniform the law with respect to the subject of this act among states enacting it. History: 1998, Act 448, Imd. Eff. Dec. 30, 1998
MI Comp L § 445.1910 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 448 of 1998 - Uniform Trade Secrets Act (445.1901 - 445.1910)|Section 445.1910 - Effective Date.

445.1910 Effective date. Sec. 10.  This act takes effect October 1, 1998 and does not apply to misappropriation occurring before the effective date. With respect to a continuing misappropriation that began before the effective date, this act does not apply to the continuing misappropriation that occurs after the effective date. History: 1998, Act 448, Imd. Eff. Dec. 30, 1998
MI Comp L § 445.1921 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 33 of 2009 - Recreational Vehicle Franchise Act (445.1921 - 445.1949)|Section 445.1921 - Short Title.

445.1921 Short title.Sec. 1.  This act shall be known and may be cited as the "recreational vehicle franchise act". History: 2009, Act 33, Eff. Dec. 1, 2009
MI Comp L § 445.1927 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 33 of 2009 - Recreational Vehicle Franchise Act (445.1921 - 445.1949)|Section 445.1927 - Publication of Prices, Charges, and Terms of Sale; Offer of Rebate, Discount, or Program; Imposition of Certain Requirements in Renewal of Dealer Agreement; Limitation.

445.1927 Publication of prices, charges, and terms of sale; offer of rebate, discount, or program; imposition of certain requirements in renewal of dealer agreement; limitation.Sec. 7.  (1) A manufacturer shall from time to time publish its prices, charges, and terms of sale for recreational vehicles and may only sell a recreational vehicle to a dealer in accordance with the published prices, charges, and terms of sale in effect at the time of sale.  (2) If a manufacturer offers a dealer a rebate, discount, or program on any recreational vehicles, the manufacturer must offer the same rebate, discount, or program to every similarly situated dealer.  (3) In a renewal of a dealer agreement, the manufacturer may not impose on the dealer additional inventory stocking requirements or retail sales targets in excess of market growth in the dealer's area of sales responsibility. History: 2009, Act 33, Eff. Dec. 1, 2009
MI Comp L § 445.1933 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 33 of 2009 - Recreational Vehicle Franchise Act (445.1921 - 445.1949)|Section 445.1933 - Sale of Line-Make After Termination or Nonrenewal.

445.1933 Sale of line-make after termination or nonrenewal.Sec. 13.  The department may not prohibit a dealer from selling a particular line-make after a dealer agreement has been terminated or not renewed under section 9 or 11. If recreational vehicles of a line-make are not returned or required to be returned to the manufacturer, the dealer may continue to sell all line-makes that were subject to the dealer agreement and are currently in stock until those line-makes are no longer in the dealer inventory. History: 2009, Act 33, Eff. Dec. 1, 2009