reglab/housing_qa huggingface dataset:
9-A ME Rev Stat § 10-308 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 10: LOAN BROKERS|Part 3: REGULATION OF PRACTICES|9-A §10-308. False information on application for credit

 §10-308. False information on application for credit A loan broker or any mortgage loan originator of a loan broker may not knowingly permit, encourage or assist a consumer to submit false information on any application for credit, nor may a loan broker or mortgage loan originator of a loan broker knowingly falsify such information on a consumer's application.   [PL 2011, c. 427, Pt. B, §17 (AMD).]SECTION HISTORY PL 2007, c. 273, Pt. A, §32 (NEW). PL 2007, c. 273, Pt. A, §41 (AFF). PL 2011, c. 427, Pt. B, §17 (AMD).
9-A ME Rev Stat § 10-309 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 10: LOAN BROKERS|Part 3: REGULATION OF PRACTICES|9-A §10-309. Rate locks

 §10-309. Rate locks If a loan broker collects a fee from a consumer to lock in a certain interest rate for a certain length of time, that loan broker shall:   [PL 2007, c. 273, Pt. A, §33 (NEW); PL 2007, c. 273, Pt. A, §41 (AFF).]1.  Take steps that are necessary to actually secure or guarantee the specified rate for the appropriate length of time;   [PL 2007, c. 273, Pt. A, §33 (NEW); PL 2007, c. 273, Pt. A, §41 (AFF).] 2.  Select a time period within which the loan can reasonably be expected to close; and   [PL 2007, c. 273, Pt. A, §33 (NEW); PL 2007, c. 273, Pt. A, §41 (AFF).] 3.  Use good faith efforts to close the loan within the rate lock period.   [PL 2007, c. 273, Pt. A, §33 (NEW); PL 2007, c. 273, Pt. A, §41 (AFF).] SECTION HISTORY PL 2007, c. 273, Pt. A, §33 (NEW). PL 2007, c. 273, Pt. A, §41 (AFF).
9-A ME Rev Stat § 10-401 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 10: LOAN BROKERS|Part 4: REMEDIES AND PENALTIES|9-A §10-401. Effects of violations on rights of parties

 §10-401. Effects of violations on rights of parties Any loan broker or mortgage loan originators of any loan broker that violate any provision of this Title or any rule issued by the administrator, or that through any unfair, unconscionable or deceptive practice cause actual damage to a consumer, are subject to the following:   [PL 2011, c. 427, Pt. B, §18 (AMD).]1.  After notice and hearing, a cease and desist order from the administrator;   [PL 1989, c. 70, §3 (NEW).] 2.  After notice and hearing, forfeiture of such portion of the required bond as proportionately may make aggrieved parties whole;   [PL 1989, c. 70, §3 (NEW).] 3.  A civil action, by the administrator through the Attorney General, after which a court may assess a civil penalty of not more than $5,000;   [PL 1993, c. 495, §5 (AMD).] 4.  A civil action by an aggrieved consumer in which that consumer has the right to recover actual damages from the loan broker or its mortgage loan originators in an amount determined by the court, plus costs of the action together with reasonable attorney's fees; and   [PL 2011, c. 427, Pt. B, §19 (AMD).] 5.  Revocation, suspension or nonrenewal of its license.   [PL 2005, c. 274, §14 (AMD).] SECTION HISTORY PL 1989, c. 70, §3 (NEW). PL 1993, c. 495, §5 (AMD). PL 2005, c. 164, §§10,11 (AMD). PL 2005, c. 274, §14 (AMD). PL 2005, c. 683, §§B5,6 (AMD). PL 2011, c. 427, Pt. B, §§18, 19 (AMD).
9-B ME Rev Stat § 111 (2021)
2021 Maine Revised Statutes|TITLE 9-B: FINANCIAL INSTITUTIONS|Part 1: GENERAL PROVISIONS|Chapter 11: POLICY|9-B §111. Declaration of policy

 §111. Declaration of policy By enactment of this Title, it is declared to be the policy of the State that the business of all financial institutions must be supervised by the Bureau of Financial Institutions in a manner to ensure the strength, stability and efficiency of all financial institutions; to ensure reasonable and orderly competition, thereby encouraging the development and expansion of financial services advantageous to the public welfare; and to maintain close cooperation with other supervisory authorities.   [PL 2001, c. 44, §2 (AMD); PL 2001, c. 44, §14 (AFF).]In addition, with respect to the Bureau of Financial Institutions' authority pursuant to Title 9-A, section 1-301, subsection 2, all financial institutions must be supervised in such a way as to protect consumers against unfair practices by financial institutions that provide consumer credit, to provide consumer education and to encourage the development of economically sound credit practices.   [PL 2001, c. 44, §2 (AMD); PL 2001, c. 44, §14 (AFF).]SECTION HISTORY PL 1975, c. 500, §1 (NEW). PL 1995, c. 309, §14 (AMD). PL 1995, c. 309, §29 (AFF). PL 2001, c. 44, §2 (AMD). PL 2001, c. 44, §14 (AFF).
9-B ME Rev Stat § 112 (2021)
2021 Maine Revised Statutes|TITLE 9-B: FINANCIAL INSTITUTIONS|Part 1: GENERAL PROVISIONS|Chapter 11: POLICY|9-B §112. Severability

 §112. Severability If any provision of this Title or the application of this Title to any person or circumstance is held invalid, the invalidity does not affect other provisions or applications of this Title that can be given effect without the invalid provision or application, and to this end the provisions of this Title are severable.   [RR 1991, c. 2, §22 (COR).]SECTION HISTORY PL 1975, c. 500, §1 (NEW). RR 1991, c. 2, §22 (COR).
9-B ME Rev Stat § 121 (2021)
2021 Maine Revised Statutes|TITLE 9-B: FINANCIAL INSTITUTIONS|Part 1: GENERAL PROVISIONS|Chapter 12: ADMINISTRATION|9-B §121. Bureau of Financial Institutions

 §121. Bureau of Financial Institutions There is created under this Title a Bureau of Financial Institutions, which has the responsibility of administering the provisions of this Title. In addition, in cases in which a financial institution is the creditor, the Bureau of Financial Institutions has the responsibility of administering the provisions of the Maine Consumer Credit Code pursuant to Title 9-A, section 1-301, subsection 2.   [PL 2001, c. 44, §3 (AMD); PL 2001, c. 44, §14 (AFF).]SECTION HISTORY PL 1975, c. 500, §1 (NEW). PL 1995, c. 309, §15 (AMD). PL 1995, c. 309, §29 (AFF). PL 2001, c. 44, §3 (AMD). PL 2001, c. 44, §14 (AFF).
9-B ME Rev Stat § 141 (2021)
2021 Maine Revised Statutes|TITLE 9-B: FINANCIAL INSTITUTIONS|Part 1: GENERAL PROVISIONS|Chapter 14: HOLIDAYS|9-B §141. Financial institution holidays (REPEALED)

 §141. Financial institution holidays (REPEALED)SECTION HISTORY PL 1975, c. 500, §1 (NEW). PL 1975, c. 623, §§6-A (AMD). PL 1985, c. 114, §2 (AMD). PL 1985, c. 787, §3 (AMD). PL 1995, c. 24, §§1,2 (AMD). PL 1997, c. 398, §B1 (RP).
9-B ME Rev Stat § 142 (2021)
2021 Maine Revised Statutes|TITLE 9-B: FINANCIAL INSTITUTIONS|Part 1: GENERAL PROVISIONS|Chapter 14: HOLIDAYS|9-B §142. Saturday hours (REPEALED)

 §142. Saturday hours (REPEALED)SECTION HISTORY PL 1975, c. 500, §1 (NEW). PL 1997, c. 398, §B1 (RP).
9-B ME Rev Stat § 143 (2021)
2021 Maine Revised Statutes|TITLE 9-B: FINANCIAL INSTITUTIONS|Part 1: GENERAL PROVISIONS|Chapter 14: HOLIDAYS|9-B §143. Acts performed after noon Saturday (REPEALED)

 §143. Acts performed after noon Saturday (REPEALED)SECTION HISTORY PL 1975, c. 500, §1 (NEW). PL 1997, c. 398, §B1 (RP).
9-B ME Rev Stat § 144 (2021)
2021 Maine Revised Statutes|TITLE 9-B: FINANCIAL INSTITUTIONS|Part 1: GENERAL PROVISIONS|Chapter 14: HOLIDAYS|9-B §144. Satellite facilities; hours of operation (REPEALED)

 §144. Satellite facilities; hours of operation (REPEALED)SECTION HISTORY PL 1981, c. 352, §2 (NEW). PL 1997, c. 398, §B1 (RP).
9-B ME Rev Stat § 151 (2021)
2021 Maine Revised Statutes|TITLE 9-B: FINANCIAL INSTITUTIONS|Part 1: GENERAL PROVISIONS|Chapter 15: EMERGENCIES|9-B §151. Declaration of emergency by Governor

 §151. Declaration of emergency by Governor Whenever it shall appear to the Governor that the welfare and security of financial institutions and credit unions under the supervision of the superintendent, or their depositors, shareholders, staffs or customers, require, or that the welfare of the State, any section thereof, the inhabitants thereof, financial institutions, credit unions, their depositors, shareholders or staffs have been or may be adversely affected by actual or threatened national emergency, forces of the natural elements, fires, explosions, strikes, epidemics, civil strife or commotion, or any other circumstances hazardous or dangerous to life, limb or property, the Governor may proclaim that a banking emergency exists. The Governor may declare such banking holidays as in his judgment such emergency conditions may require and that any financial institution or institutions and credit union or credit unions shall be subject to special regulation as provided until the Governor, by a like proclamation, declares the period of such emergency to have terminated if he has not defined such period in the original proclamation.   [PL 1975, c. 500, §1 (NEW).]SECTION HISTORY PL 1975, c. 500, §1 (NEW).
9-B ME Rev Stat § 152 (2021)
2021 Maine Revised Statutes|TITLE 9-B: FINANCIAL INSTITUTIONS|Part 1: GENERAL PROVISIONS|Chapter 15: EMERGENCIES|9-B §152. Superintendent's powers during emergency

 §152. Superintendent's powers during emergency 1.  Restrict banking transactions.  During the period of any banking emergency declared, the superintendent, in addition to all other powers conferred upon him, shall have authority to order one or more financial institutions or credit unions to restrict all or any part of their business and to limit or postpone for any length of time the payment of any amount or proportion of deposits or shares in any of the departments thereof as he may deem necessary or expedient and may regulate further payments therefrom as to time and amount as the interest of the public or of such financial institutions or credit unions or depositors or shareholders thereof may require, and any order or orders made by him may be amended, changed, extended or revoked, in whole or in part, whenever in his judgment circumstances warrant or require. After the termination of any such banking emergency, any such order may be continued in effect as to any particular financial institution or credit union if in the judgment of the superintendent circumstances warrant or require and the Governor approves.   [PL 1975, c. 500, §1 (NEW).] 2.  Permit special deposits.  The superintendent may by order authorize financial institutions or credit unions during such emergency and thereafter to receive new deposits or share funds, as the case may be, and such new funds shall be special deposits or shares, as the case may be, and so designated and segregated from all other such deposits or shares and may be invested only in assets approved by the superintendent as being sufficiently liquid to be available when needed to meet withdrawals on new deposits or shares, as the case may be. Such assets shall not be merged with other assets but shall be held in trust for the security and payment of new funds except that income from such assets may, to the extent authorized by the superintendent, be used for other purposes of the institution. Withdrawal of such new deposits or shares shall not be subject in any respect to restrictions or limitations made applicable to previously existing accounts under this section.   [PL 1975, c. 500, §1 (NEW).] 3.  Establish fair value of assets.  In determining the action to be taken under this section, the superintendent may place such fair value on the assets of any financial institution or credit union as in his discretion seems proper under the conditions prevailing and circumstances relating thereto.   [PL 1975, c. 500, §1 (NEW).] SECTION HISTORY PL 1975, c. 500, §1 (NEW).
9-B ME Rev Stat § 162 (2021)
2021 Maine Revised Statutes|TITLE 9-B: FINANCIAL INSTITUTIONS|Part 1: GENERAL PROVISIONS|Chapter 16: CONFIDENTIAL FINANCIAL RECORDS|9-B §162. Disclosure of financial records prohibited; exceptions

 §162. Disclosure of financial records prohibited; exceptions A financial institution authorized to do business in this State or credit union authorized to do business in this State or its affiliates may not disclose to any person, except to the customer or the customer's duly authorized agent, any financial records relating to that customer of that financial institution or credit union unless:   [PL 2001, c. 262, Pt. B, §4 (AMD).]1.  Authorized disclosure.  The customer has authorized disclosure to the person;   [PL 1997, c. 537, §1 (AMD); PL 1997, c. 537, §62 (AFF).] 2.  Disclosure in response to legal process.  The financial records are disclosed in response to a lawful subpoena, summons, warrant or court order that meets the requirements of section 163;   [PL 2001, c. 211, §1 (AMD).] 3.  Disclosure in response to a request by the Department of Health and Human Services.  The financial records are disclosed in response to a request for information by the Department of Health and Human Services for purposes related to establishing, modifying or enforcing a child support order;   [PL 2007, c. 108, §1 (AMD).] 4.  Disclosure in response to a request by the Department of Labor.  The financial records are disclosed in response to a notice of levy issued by the Department of Labor pursuant to Title 26, section 1233;   [PL 2009, c. 213, Pt. AAAA, §2 (AMD).] 5.  Disclosure to the Department of Health and Human Services upon suspicion of financial exploitation.  The financial records are disclosed to the Department of Health and Human Services pursuant to Title 22, section 3479 because a financial institution authorized to do business in this State or its affiliate or a credit union authorized to do business in this State or its affiliate has reasonable cause to suspect that an incapacitated or dependent adult has been or is at substantial risk of abuse, neglect or exploitation; or   [PL 2009, c. 213, Pt. AAAA, §3 (AMD).] 6.  Disclosure in response to a request by the Department of Administrative and Financial Services, Bureau of Revenue Services.  The financial records are disclosed in response to a request for information by the Department of Administrative and Financial Services, Bureau of Revenue Services for purposes related to establishing, modifying or enforcing tax debts.   [PL 2009, c. 213, Pt. AAAA, §4 (NEW).] 7.  Disclosure of notice of mortgagor’s right to cure.  The financial records pertain to a notice of mortgagor’s right to cure and are disclosed to the Bureau of Consumer Credit Protection pursuant to Title 14, section 6111, subsection 3-A.   [PL 2009, c. 402, §8 (NEW).] SECTION HISTORY PL 1977, c. 416 (NEW). PL 1997, c. 537, §1 (AMD). PL 1997, c. 537, §62 (AFF). PL 2001, c. 211, §§1,2 (AMD). PL 2001, c. 262, §B4 (AMD). PL 2003, c. 689, §B6 (REV). PL 2007, c. 108, §§1-3 (AMD). PL 2009, c. 213, Pt. AAAA, §§2-4 (AMD). PL 2009, c. 402, §8 (AMD).
9-B ME Rev Stat § 163 (2021)
2021 Maine Revised Statutes|TITLE 9-B: FINANCIAL INSTITUTIONS|Part 1: GENERAL PROVISIONS|Chapter 16: CONFIDENTIAL FINANCIAL RECORDS|9-B §163. Subpoena, summons, warrant or court order

 §163. Subpoena, summons, warrant or court order 1.  Service.  A financial institution authorized to do business in this State or credit union authorized to do business in this State shall disclose financial records under section 162 pursuant to a subpoena, summons, warrant or court order that on its face appears to have been issued upon lawful authority only if the subpoena, summons, warrant or court order is served upon the customer prior to disclosure by the financial institution or credit union. The agency or person requesting the disclosure of financial records shall certify in writing to the financial institution or credit union the fact that the subpoena, summons, warrant or court order has been served upon the customer. The court for good cause shown may delay or dispense with service of the subpoena, summons, warrant or court order upon the customer. The court shall delay or dispense with service of the subpoena, summons, warrant or court order upon the customer upon notice by the Attorney General, the Attorney General's designee or the District Attorney that service upon the customer would not be in the public interest. A subpoena, summons or warrant issued in connection with a criminal proceeding or state or federal grand jury proceeding, a request for information by the Department of Health and Human Services for purposes related to establishing, modifying or enforcing a child support order, a request for information by the Department of Administrative and Financial Services, Bureau of Revenue Services for purposes related to establishing, modifying or enforcing tax liabilities or a trustee process lawfully issued need not be served upon the customer.   [PL 2009, c. 213, Pt. AAAA, §5 (AMD).] SECTION HISTORY PL 1977, c. 416 (NEW). PL 1985, c. 647, §2 (AMD). PL 1997, c. 16, §1 (AMD). PL 1997, c. 537, §2 (AMD). PL 1997, c. 537, §62 (AFF). PL 1999, c. 197, §1 (AMD). PL 2001, c. 262, §B5 (AMD). PL 2003, c. 689, §B6 (REV). PL 2009, c. 213, Pt. AAAA, §5 (AMD).
9-B ME Rev Stat § 164 (2021)
2021 Maine Revised Statutes|TITLE 9-B: FINANCIAL INSTITUTIONS|Part 1: GENERAL PROVISIONS|Chapter 16: CONFIDENTIAL FINANCIAL RECORDS|9-B §164. Penalties

 §164. Penalties 1.  Violation.  Any officer or employee of a financial institution authorized to do business in this State, credit union authorized to do business in this State, affiliate or consumer reporting agency who intentionally or knowingly furnishes financial records in violation of this chapter commits a civil violation for which the superintendent may assess a civil penalty of not more than $5,000 per violation. Any financial institution authorized to do business in this State or credit union authorized to do business in this State that intentionally or knowingly furnishes financial records in violation of this chapter or intentionally or knowingly allows an affiliate to furnish financial records in violation of this chapter commits a civil violation for which the superintendent may assess a civil penalty of not more than $10,000 per violation. Any financial institution authorized to do business in this State or credit union authorized to do business in this State or any agent or employee of a financial institution or credit union making a disclosure of financial records in good-faith reliance upon the certificate of agency or person requesting the disclosure, that the provisions of section 163 requiring prior notice to the customer have been complied with, is not liable to the customer for the disclosures and is not liable for any civil penalties under this section.   [PL 2001, c. 262, Pt. B, §6 (AMD).] 2.  Inducing violation.  Any person who intentionally or knowingly induces or attempts to induce any officer or employee of a financial institution authorized to do business in this State, credit union authorized to do business in this State or consumer reporting agency to disclose financial records in violation of this chapter commits a civil violation for which the superintendent may assess a civil penalty of not more than $10,000 per violation.   [PL 2001, c. 262, Pt. B, §6 (AMD).] 3.  Immunity.  A financial institution authorized to do business in the State or its affiliate or a credit union authorized to do business in the State or its affiliate that in good faith discloses financial records to the Department of Health and Human Services pursuant to section 162, subsection 5 or the Department of Administrative and Financial Services, Bureau of Revenue Services pursuant to section 162, subsection 6 is immune from civil or criminal liability that might otherwise arise from the disclosure. In a proceeding regarding immunity from liability, there is a rebuttable presumption of good faith.   [PL 2009, c. 213, Pt. AAAA, §6 (AMD).] SECTION HISTORY PL 1977, c. 416 (NEW). PL 1985, c. 647, §3 (AMD). PL 1991, c. 824, §A11 (AMD). PL 2001, c. 262, §B6 (AMD). PL 2007, c. 108, §4 (AMD). PL 2009, c. 213, Pt. AAAA, §6 (AMD).
9-B ME Rev Stat § 211 (2021)
2021 Maine Revised Statutes|TITLE 9-B: FINANCIAL INSTITUTIONS|Part 2: BUREAU OF FINANCIAL INSTITUTIONS|Chapter 21: ADMINISTRATION|9-B §211. Superintendent

 §211. Superintendent 1.  Appointment; term; qualifications.  The activities of the bureau are directed by a superintendent who is appointed by the Governor and subject to review by the joint standing committee of the Legislature having jurisdiction over financial institutions and to confirmation by the Legislature. The superintendent shall hold office for a term of 5 years, or until the superintendent's successor is appointed and qualified. The superintendent may be removed from office for cause by impeachment or by the Governor on the address of both branches of the Legislature, and Title 5, section 931, subsection 2 does not apply. A person appointed as superintendent must have the knowledge of, or experience in, the theory and practice of financial institutions.   [PL 2001, c. 44, §7 (AMD); PL 2001, c. 44, §14 (AFF).] 2.  Salary.  The superintendent is entitled to receive a salary commensurate with the superintendent's responsibilities in accordance with Title 5 and is entitled to receive all actual travel expenses incurred in the performance of official duties.   [PL 1989, c. 702, Pt. E, §6 (AMD).] 3.  Powers and duties.  With the approval of the commissioner, the superintendent shall organize the bureau in such a manner as the superintendent considers necessary to carry out the superintendent's responsibilities under this Title and, in cases in which a financial institution is the creditor, the superintendent's responsibilities under the Maine Consumer Credit Code pursuant to Title 9‑A, section 1‑301, subsection 2. The organization must take into account the need for examination and surveillance of individual institutions to ensure that each is financially sound and complies with state and applicable federal law and regulations; the need to protect consumers against unfair practices by financial institutions that provide consumer credit; the need for consumer education; the need to encourage the development of economically sound credit practices; and the need for promotion of reasonable and orderly competition among financial institutions and for promoting the provision of financial services consistent with the public interest.   [PL 1995, c. 502, Pt. H, §3 (AMD).] 4.  Vacancy.  If the office of superintendent is vacant for any reason except the superintendent's illness or temporary absence from the State, appointment of a successor shall be made, as provided for in subsection 1, within 6 months of the creation of such vacancy.   [PL 1975, c. 500, §1 (NEW).] SECTION HISTORY PL 1975, c. 500, §1 (NEW). PL 1975, c. 771, §110 (AMD). PL 1979, c. 663, §29 (AMD). PL 1981, c. 359, §4 (AMD). PL 1983, c. 553, §10 (AMD). PL 1987, c. 105, §2 (AMD). PL 1987, c. 402, §A85 (AMD). PL 1987, c. 769, §A40 (AMD). PL 1989, c. 702, §E6 (AMD). PL 1995, c. 309, §16 (AMD). PL 1995, c. 309, §29 (AFF). PL 1995, c. 502, §H3 (AMD). PL 2001, c. 44, §7 (AMD). PL 2001, c. 44, §14 (AFF).
9-B ME Rev Stat § 212-A (2021)
2021 Maine Revised Statutes|TITLE 9-B: FINANCIAL INSTITUTIONS|Part 2: BUREAU OF FINANCIAL INSTITUTIONS|Chapter 21: ADMINISTRATION|9-B §212-A. Securities Division (REPEALED)

 §212-A. Securities Division (REPEALED)SECTION HISTORY PL 1985, c. 389, §5 (NEW). PL 1985, c. 785, §B54 (AMD). PL 1989, c. 542, §1 (RPR). PL 1993, c. 410, §K1 (AMD). PL 1995, c. 502, §H5 (AMD). PL 2001, c. 182, §4 (RP).