reglab/housing_qa huggingface dataset:
NH Rev Stat § 399-B:2 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-B - Disclosure of Finance Charges|Section 399-B:2 - Statement Required.

    399-B:2 Statement Required. –||Any person engaged in the business of extending credit shall furnish to each person to whom such credit is extended, concurrently with the consummation of the transaction or agreement to extend credit, a clear statement in writing setting forth the finance charges, expressed in dollars, rate of interest, or monthly rate of charge, or a combination thereof, to be borne by such person in connection with such extension of credit as originally scheduled.|||Source. 1961, 245:7, eff. Aug. 30, 1961.|
NH Rev Stat § 399-B:2-a (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-B - Disclosure of Finance Charges|Section 399-B:2-a - Exception.

    399-B:2-a Exception. –||A finance charge statement or disclosure in a consumer credit transaction, as defined in RSA 358-K:1, V, that is made in conformity with Federal Reserve Board Regulation Z, Truth in Lending, 12 CFR 226, as amended, or Regulation M, 12 CFR 213, as amended, shall be deemed to fulfill the finance charge statement requirements of RSA 399-B:2.|||Source. 1997, 193:2. 1999, 16:6, eff. June 26, 1999.|
NH Rev Stat § 399-B:3 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-B - Disclosure of Finance Charges|Section 399-B:3 - Prohibition.

    399-B:3 Prohibition. –||No person shall extend credit in contravention of this chapter.|||Source. 1961, 245:7, eff. Aug. 30, 1961.|
NH Rev Stat § 399-B:4 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-B - Disclosure of Finance Charges|Section 399-B:4 - Penalty.

    399-B:4 Penalty. –||Whoever wilfully violates any provision of RSA 399-B shall be guilty of a misdemeanor if a natural person, or guilty of a felony if any other person.|||Source. 1961, 245:7. 1973, 528:272, eff. Oct. 31, 1973 at 11:59 p.m.|
NH Rev Stat § 399-B:5 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-B - Disclosure of Finance Charges|Section 399-B:5 - Additional Purchases.

    399-B:5 Additional Purchases. –||Where a buyer makes any subsequent purchases of consumer goods from a seller from whom he has previously purchased goods or services under one or more conditional sales contracts, and the amounts under the contract or contracts have not been fully paid, the subsequent purchases may be included in and consolidated with one or more of the prior contract or contracts. A memorandum of the additional purchases shall be prepared by the seller, inserted in or attached to the seller's counterpart of the contract and shall set forth:||(a) A description of the additional goods or services so purchased;||(b) The consolidated total indebtedness of the buyer;||(c) The finance charge stating either as the additional amount on the subsequent purchase or as the total amount on the consolidated contract;||(d) The revised installment payments. A copy of the memorandum shall be furnished to the buyer.|||Source. 1965, 376:1, eff. Sept. 6, 1965.|
NH Rev Stat § 399-B:6 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-B - Disclosure of Finance Charges|Section 399-B:6 - Repossession Procedure.

    399-B:6 Repossession Procedure. –||Prior to or after any action by the seller or his agents to repossess consumer goods under the terms of any such conditional sales contract or contracts involving both previous and subsequent purchases which have not been fully paid, the seller must retroactively allocate all payments received under the contract or contracts to the various purchases in the same proportion or ratio as the original cash prices of the various purchases bear to one another. However, the amount of initial or down payment involved in each purchase shall be allocated in its entirety to such purchase. The result of such allocation shall be reported to the buyer who has the right to complete payment on any of the purchases consolidated in the conditional sales contract within 15 days from receipt of the allocation report from the seller. Any purchases upon which the payments have been so completed are exempt from repossession by the seller. Provisions of this section do not apply to sales involving equipment, parts, or other merchandise attached or affixed to goods previously purchased or repairs or services rendered by the seller in connection therewith at the buyer's request.|||Source. 1965, 376:1, eff. Sept. 6, 1965.|
NH Rev Stat § 399-B:7 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-B - Disclosure of Finance Charges|Section 399-B:7 - Not to Apply to Liens Upon Real Estate.

    399-B:7 Not to Apply to Liens Upon Real Estate. –||Conditional sales contracts do not include any instrument creating or involving liens against real estate or any interest in real estate.|||Source. 1965, 376:1, eff. Sept. 6, 1965.|
NH Rev Stat § 399-B:8 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-B - Disclosure of Finance Charges|Section 399-B:8 - Definition.

    399-B:8 Definition. –||"Consumer goods" means goods bought for use primarily for personal, family, or household purposes, as distinguished from goods bought for commercial, industrial, or business use, and does not include motor vehicles, accessories, equipment, parts, or repairs, the installment sales and financing of which are regulated by RSA 361-A.|||Source. 1965, 376:1, eff. Sept. 6, 1965.|
NH Rev Stat § 399-C:1 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-C - Lenders of Money|Section 399-C:1 - Additional Fee or Charge for Substitution of Insurance Policy Prohibited.

    399-C:1 Additional Fee or Charge for Substitution of Insurance Policy Prohibited. –||It shall be unlawful for any person, partnership, association, corporation, unincorporated organization, bank, or credit union, whether federally or state chartered, that makes a loan secured by real or personal property in connection with such a transaction, to make any separate or additional charge to, or to require any fee from, or to require the payment of any money by an insurance company, insurance agency, borrower, mortgagor, or purchaser, other than the insurance premium on insurance written as additional security for the loan, for the substitution by a borrower, a mortgagor, or a purchaser of one insurance policy on the property for an existing policy on the property, when the existing or substituted policy is provided through an insurance company or insurance agent or broker licensed to do business in this state. However, nothing in this section prevents the payment of interest which may be charged on premium loans or premium advancements in accordance with the security agreement.|||Source. 1969, 79:1. 2015, 272:23, eff. Oct. 1, 2015.|
NH Rev Stat § 399-C:1-a (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-C - Lenders of Money|Section 399-C:1-a - Inducement Check Disclosure.

    399-C:1-a Inducement Check Disclosure. –||No person subject to the provisions of this chapter shall induce any potential borrower who is not a loan customer of the person to enter into a closed-end loan agreement, by delivering in the first instance a negotiable check for such loan to such potential borrower, without including the following information clearly printed on the endorsement side of the check:||I. A statement which reads, "By endorsing this check, you become legally liable for repaying all moneys, including interest, as specified in the following loan agreement/disclosure statement";||II. The amount financed;||III. The annual percentage rate;||IV. The number of installments; and||V. The amount of each installment payment.|||Source. 2015, 272:24, eff. Oct. 1, 2015.|
NH Rev Stat § 399-C:2 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-C - Lenders of Money|Section 399-C:2 - Penalty.

    399-C:2 Penalty. –||Whoever violates any provision of this chapter shall be guilty of a misdemeanor if a natural person, or guilty of a felony if any other person.|||Source. 1969, 79:1. 1973, 529:96, eff. Oct. 31, 1973 at 11:59 p.m.|
NH Rev Stat § 399-D:2 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-D - Debt Adjustment Services|Section 399-D:2 - License Required.

    399-D:2 License Required. –||Any person not exempt under RSA 399-D:3 that, in its own name or on behalf of other persons, engages in the business of debt adjustment in this state or with persons located in this state shall obtain a license from the department. Licensure in the state of New Hampshire under this chapter does not constitute a finding that the commissioner has passed in any way upon the merits or qualifications of such person or that the commissioner has recommended or given approval to any person. It is unlawful to make, or cause to be made, to any prospective purchaser, customer, or client any representation inconsistent with the provisions of this section. Any license fee required by this chapter shall be paid before a license becomes effective.|||Source. 2016, 151:1, eff. Jan. 1, 2017.|
NH Rev Stat § 399-D:3 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-D - Debt Adjustment Services|Section 399-D:3 - Exemptions.

    399-D:3 Exemptions. –||The provisions of this chapter shall not apply to:||I. Any attorney admitted to the practice of law in this state, when engaged in such practice.||II. Any financial institution authorized to transact business in this state, which performs debt adjuster activity in the regular course of its principal business.||III. Any fiduciary subject to the jurisdiction of another agency, a court of competent jurisdiction, or subject to RSA 547 through RSA 567-A.||IV. Any employee of a licensee when performing duties in the regular course of employment.||V. Other persons not within the intent of this chapter as the commissioner may designate by rule or order.|||Source. 2016, 151:1, eff. Jan. 1, 2017.|
NH Rev Stat § 399-D:5 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-D - Debt Adjustment Services|Section 399-D:5 - License Grant and Renewal.

    399-D:5 License Grant and Renewal. –||I. Upon the applicant's filing of the complete application, and payment of the required fee, the commissioner shall have, in accordance with RSA 541-A:29, up to 120 days to investigate and determine whether the applicant's financial resources, experience, personnel, and record of past or proposed conduct warrant the public's confidence and the issuance of a license.||II. If the commissioner determines that the applicant meets the requirements of this chapter, then the commissioner shall issue a license permitting the applicant to engage in the business of debt adjustment in accordance with the laws of this state.||III. Each license issued under the provisions of this chapter shall state the name and address of the principal office of the licensee and, if the license is a branch office license, the name and address of the branch office location for which the license is issued.||IV. If a licensee is a person other than a natural person, the license issued to it shall entitle all officers, directors, members, partners, trustees, and employees, to engage in the business of debt adjustment; provided that one officer, director, member, partner, employee, or trustee of such person shall be designated in the license as the individual to be contacted for purposes of this chapter.||V. If the licensee is a natural person, the license shall entitle all employees of the licensee to engage in the business of debt adjustment. For purposes of this paragraph, employee shall not include an independent contractor.||VI. A license issued under this chapter shall not be transferable or assignable between persons without obtaining the approval of the commissioner before the assignment or transfer.||VII. Each license shall remain in force until it has been surrendered, revoked, or suspended in accordance with the provisions of this chapter, or expires in accordance with the provisions of this chapter. Each license shall expire on December 31 of each calendar year.||VIII. If a person holds a valid license under this section and is in compliance with this chapter and the rules pursuant to this chapter, such licensee may renew the license by paying the required fee to the department on or before December 31 for the ensuing year that begins on January 1. Failure to renew the license shall result in the license terminating on December 31.||IX. A renewal fee shall be submitted with the application for renewal as follows:||(a) $500 for the principal office license; and||(b) $500 for each branch office.|||Source. 2016, 151:1, eff. Jan. 1, 2017.|
NH Rev Stat § 399-D:6 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-D - Debt Adjustment Services|Section 399-D:6 - License Denial or Abandonment; Appeal.

    399-D:6 License Denial or Abandonment;  Appeal. –||I. If the commissioner determines that the applicant fails to meet the requirements of this chapter, the commissioner shall immediately, in writing, notify the applicant of that determination.||II. The commissioner may deny a license application if it is in the public interest and the applicant or the applicant's principal:||(a) Has filed an application for licensing which was incomplete in any material respect;||(b) Is the subject of an order entered within the past 5 years by this state, any other state, or federal regulator denying, suspending, or revoking a license or registration;||(c) Is permanently, preliminarily, or temporarily enjoined by any court of competent jurisdiction from engaging in or continuing any conduct or practice involving any aspect of lending, collection, or debt adjustment activities;||(d) Is not qualified on the basis of such factors as experience, knowledge, and financial integrity; or||(e) Should not be licensed for other good cause shown.||III. Applicants may appeal a license denial in accordance with RSA 541-A and rules of the commissioner adopted thereunder.||IV. Applicants may petition the banking department for a rehearing in accordance with RSA 541 if the decision in an appeal conducted pursuant to paragraph III affirms a denial of a license application.||V. The commissioner may deem abandoned and withdraw any application for licensure made pursuant to this chapter if the applicant fails to respond in writing within 180 calendar days to a written request from the commissioner requesting a response. Such request shall be sent via certified mail to the last known address of the applicant that is on file with the commissioner.||VI. No application for renewal shall be denied without reasonable cause and the right of appeal pursuant to RSA 541-A and RSA 541.|||Source. 2016, 151:1, eff. Jan. 1, 2017.|
NH Rev Stat § 399-D:7 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-D - Debt Adjustment Services|Section 399-D:7 - License Surrender.

    399-D:7 License Surrender. –||I. A licensee who ceases to engage in the business of a debt adjuster at any time for any cause shall surrender such license and within 15 calendar days of such cessation:||(a) Publish a notice of such cessation in a newspaper of general circulation in the licensee's market area; and||(b) File an annual report pursuant to RSA 399-D:9, I(a).||II. Surrender of a license shall not take effect until the commissioner deems the surrender process complete.||III. Failure to comply with the provisions of this section and rules adopted under this section shall be cause for denial of future license applications and the imposition of penalties under RSA 399-D:21.|||Source. 2016, 151:1, eff. Jan. 1, 2017.|
NH Rev Stat § 399-D:8 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-D - Debt Adjustment Services|Section 399-D:8 - Continuing Obligation to Update.

    399-D:8 Continuing Obligation to Update. –||I. Licensees shall update information on file with the commissioner. If any information filed with the commissioner becomes materially inaccurate, the licensee shall, within 30 days of the event necessitating the update, submit an amendment to its application records that will correct the information on file with the commissioner.||II. (a) A licensee shall submit written notification to the department of the addition or deletion of a principal, and shall provide the name and address of each new principal no later than 30 days after such change.||(b) Each new principal shall authorize the commissioner to conduct a background investigation and a criminal history records check.||(c) The commissioner shall investigate management and ownership changes including, but not limited to, each principal's qualifications and business history.||(d) The licensee shall investigate and disclose any injunction or administrative order that has been issued against the principal and whether the principal has been convicted of a misdemeanor involving financial services or a financial services-related business, or any fraud, false statements or omissions, theft or any wrongful taking of property, bribery, perjury, forgery, counterfeiting, or extortion, or a conspiracy to commit any of these offenses, or convicted of any felony, prior to the commissioner's approval of such change.||III. Licensees shall provide 30 days' written notice to the department:||(a) Of any change in location and the commissioner shall endorse such change on the license; or||(b) Of the closing of any location.||IV. No licensee shall transact any business provided for by this chapter under a trade name or any other name different from the name stated in its license or branch office license without immediately notifying the commissioner, who shall then amend the license accordingly.||V. Significant events shall be reported to the department in writing within 10 calendar days.||VI. Any officer, owner, manager, or agent of any licensee, and any person controlling or having a contract under which he or she has a right to control such a licensee, whether exclusively or otherwise, and any person with executive authority over or in charge of any segment of such a licensee's affairs, shall reply promptly in writing, or in other designated form, to any written inquiry from the commissioner requesting a reply. The commissioner may require that any communication made to him or her under this section be verified.|||Source. 2016, 151:1, eff. Jan. 1, 2017. 2019, 36:31, eff. May 15, 2019.|
NH Rev Stat § 399-D:9 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-D - Debt Adjustment Services|Section 399-D:9 - Reporting and Filing Requirements.

    399-D:9 Reporting and Filing Requirements. –||I. (a) Each licensee shall file, under oath, an annual report through the Nationwide Multistate Licensing System and Registry on or before March 31 each year concerning operations for the preceding calendar year or license period ending December 31 in the form prescribed by the commissioner.||(b) Each licensee shall also file, under oath, its financial statement through the Nationwide Multistate Licensing System and Registry within 90 days from the date of its fiscal year end. If the financial statement is not audited, a certification statement shall be attached and signed by a duly authorized officer of the licensee. The certification statement shall state that the financial statement is true and accurate to the best of the officer's belief and knowledge:||(1) For profit entities: The financial statement shall be prepared in accordance with generally accepted accounting principles with appropriate note disclosures and, shall include a balance sheet, income statement, statement of changes in owners' equity, and a cash flow statement.||(2) For nonprofit organizations: The financial statement shall be prepared in accordance with generally accepted accounting principles with appropriate note disclosures and shall include a statement of financial condition, a statement of activities, a statement of cash flow and, if applicable, a statement of functional expenses.||II. The commissioner shall publish an analysis of the information required in the licensee's annual report as a part of the commissioner's annual report.||III. Any licensee or person failing to file either the annual report or the financial statement required by this section within the time prescribed shall pay to the commissioner a penalty of $25 for each calendar day the annual report or financial statement is overdue to a maximum penalty of $2,500 per report or statement and shall be subject to suspension or revocation of its license.||IV. In addition to the annual report and financial statement required by this section, the commissioner may require such regular or special reports as the commissioner may deem necessary to the proper supervision of licensees under this chapter.||V. A document is filed when it is received by the commissioner. If any filing deadline date falls on a weekend or on a New Hampshire state or federal legal holiday, the due date shall be automatically extended to the next business day following such weekend or holiday. Electronic filings, when received by the commissioner, are:||(a) Deemed filed;||(b) Prima facie evidence that a filing has been duly authorized and made by the signatory on the application or document;||(c) Admissible in any civil or administrative proceeding under this chapter; and||(d) Admissible in evidence in accordance with the rules of a superior court in any action brought by the attorney general under this chapter.|||Source. 2016, 151:1, eff. Jan. 1, 2017. 2021, 194:9, eff. Oct. 9, 2021.|
NH Rev Stat § 399-D:10 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-D - Debt Adjustment Services|Section 399-D:10 - Record Keeping Requirements.

    399-D:10 Record Keeping Requirements. –||I. The licensee shall maintain such books and records as will enable the department to determine whether the licensee's business is in compliance with the provisions of this chapter and the rules adopted pursuant to it. Such records shall be maintained in a readily accessible location and made available for examination at the licensee's New Hampshire principal office or its New Hampshire branch office location or the office of its New Hampshire agent for a period of at least 7 years after the licensee's final transaction on a debt adjustment contract.||II. A licensee may maintain its records in electronic format if, upon request, the licensee provides the commissioner with:||(a) A full explanation of the programming of any data storage or communications systems in use; and||(b) Information from any books, records, electronic data processing systems, computers, or any other information storage system in the form requested by the commissioner.|||Source. 2016, 151:1, eff. Jan. 1, 2017.|