reglab/housing_qa huggingface dataset:
NV Rev Stat § 97.235 (2021)
2021 Nevada Revised Statutes|Chapter 97 - Retail Installment Sales of Goods and Services|NRS 97.235 - Consolidated contracts; memoranda.

  1. If retail installment purchases are made by a buyer from a seller, the subsequent retail installment purchases may, by agreement of the parties, be consolidated with a prior retail installment contract. The finance charge for the consolidated contract must not, however, exceed the aggregate of the finance charge for:  (a) The original contract and any extension thereof by virtue of the consolidation; and  (b) The subsequent installment purchase or purchases.  2. In the event of such a consolidation, in lieu of the buyer’s executing a retail installment contract respecting each subsequent purchase, it is sufficient if the seller prepares a written memorandum of each subsequent purchase, in which case the provisions of NRS 97.165, 97.175 and 97.185 do not apply. Unless previously furnished in writing to the buyer by the seller, by sales slip, memorandum or otherwise, the memorandum must set forth with respect to each subsequent purchase the items set forth in paragraphs (a) to (f), inclusive, of subsection 1 of NRS 97.185, and in addition:  (a) The unpaid balance of the previous contract or contracts;  (b) The consolidated unpaid balance;  (c) The amount of the finance charge;  (d) The consolidated total of payments; and  (e) The revised installments applicable to the consolidated total of payments, if any, in accordance with NRS 97.185.  The seller shall deliver to the buyer a copy of the memorandum before the due date of the first installment of the consolidated contract.  3. When a subsequent purchase is made, the entire amount of all payments made previous thereto must be applied toward the payment of the previous time sale price or time sale prices. Each payment thereafter received must be allocated to all of the various time sale prices in the same ratio as the original cash sale prices of the various purchases bear to one another. However, the amount of any initial or down payment on the subsequent purchase must be allocated in its entirety to that purchase.  4. A retail installment contract may be contained in more than one document, if one such document is an original document signed by the retail buyer, stated to be applicable to purchases of goods or services to be made by the retail buyer from time to time. In that case the document, together with the sales slip, account book or other written statement relating to each purchase must set forth all of the information required by NRS 97.185 and constitutes the retail installment contract for each purchase. On each succeeding purchase pursuant to the original document, the sales slip, account book or other written statement may at the option of the seller constitute the memorandum required by this section.  (Added to NRS by 1965, 661; A 1993, 2757; 1995, 1803)
NV Rev Stat § 97.245 (2021)
2021 Nevada Revised Statutes|Chapter 97 - Retail Installment Sales of Goods and Services|NRS 97.245 - Retail charge agreements: Finance charge; contents of monthly statements; notice of change in terms.

  1. The amount of the finance charge in any retail charge agreement may be any amount, and the agreement may provide for the imposition of any fee, expense or charge, agreed upon by the parties.  2. At or before the time a retail charge agreement is made the seller shall advise the buyer in writing, on the application form or otherwise, or orally, that the finance charge will be computed on the outstanding balance for each month, which need not be a calendar month, or other regular period agreed upon, the schedule or rate by which the finance charge will be computed, and that the buyer may at any time pay the total unpaid balance. If the information is given orally, the seller shall, upon approval of the buyer’s credit, deliver or mail to the buyer and the buyer’s address a memorandum setting forth the information.  3. The seller or holder of a retail charge agreement shall promptly supply the buyer with a statement as of the end of each monthly period, which need not be a calendar month, or other regular period agreed upon, in which there is any unpaid balance thereunder. The statement must set forth the following:  (a) The unpaid balance under the retail charge agreement at the beginning and end of the period;  (b) Unless otherwise furnished by the seller to the buyer by sales slip, memorandum or otherwise, a description or identification of the goods or services purchased during the period, the cash sale price and the date of each purchase;  (c) The payments made by the buyer to the seller and any other credits to the buyer during the period; and  (d) The amount, if any, of any finance charge, fee, expense or charge for the period.  4. If a change is to be made in the terms of a retail charge agreement previously disclosed to the buyer, the seller shall mail or deliver to the buyer a written disclosure of the proposed change not less than 15 days before the effective date of the change. No notice is required if the change involves:  (a) Charges for late payment, documentary evidence or exceeding an agreed limit;  (b) A reduction of any component of a finance or other charge;  (c) Suspension of future credit or termination of an account or plan; or  (d) The result of an agreement involving a court proceeding or of the consumer’s default or delinquency, unless an increase is made in the periodic rate or other finance charge.  (Added to NRS by 1965, 662; A 1981, 1593; 1984, 5; 1993, 2758; 1995, 1804)
NV Rev Stat § 97.253 (2021)
2021 Nevada Revised Statutes|Chapter 97 - Retail Installment Sales of Goods and Services|NRS 97.253 - Rights of retail seller; action to determine liability for unauthorized negotiable instrument used to make payment.

  1. A retail seller shall be deemed to be a payee with respect to any payment made on an account of a buyer by a check or other negotiable instrument.  2. Upon the posting of a payment to an account of a buyer, a retail seller has changed his or her position in reliance thereon if the payment was made by a check or other negotiable instrument.  3. A payment made on an account of a buyer by a check or other negotiable instrument is received by the retail seller in good faith if the retail seller did not have actual knowledge that the check or other negotiable instrument was forged, altered or unauthorized when it was posted to the account.  4. An action or proceeding brought to determine liability for an allegedly forged, altered or unauthorized check or other negotiable instrument used to make payment on an account of a buyer must be determined pursuant to the provisions of chapter 104 of NRS.  (Added to NRS by 1995, 1801)
NV Rev Stat § 97.265 (2021)
2021 Nevada Revised Statutes|Chapter 97 - Retail Installment Sales of Goods and Services|NRS 97.265 - Insurance.

If the cost of any insurance is included in the retail installment contract or retail charge agreement:  1. The contract or agreement must state the nature, purpose, term and amount of the insurance, and in connection with the sale of a motor vehicle, the contract must state that the insurance coverage ordered under the terms of the contract does not include "bodily injury liability," "public liability," and "property damage liability" coverage, where such coverage is in fact not included.  2. The contract or agreement must state whether the insurance is to be procured by the buyer or the seller.  3. The amount included for such insurance must not exceed the premiums chargeable in accordance with the rate fixed for such insurance by the insurer, except where the amount is less than $1.  4. If the insurance is to be procured by the seller or holder, the seller or holder shall, within 45 days after delivery of the goods or furnishing of the services under the contract, deliver, mail or cause to be mailed to the buyer, at the buyer’s address as specified in the contract, a notice thereof or a copy of the policy or policies of insurance or a certificate or certificates of the insurance so procured.  5. If any goods included in the down payment are insured, and the insurance policy or rights thereunder are assigned to the seller, the amount realized on the assignment must be refunded to the buyer or credited on the next payment due under the contract or agreement.  6. If the contract or agreement requires the buyer to procure and furnish insurance acceptable to the seller and the buyer fails so to provide or such insurance as procured by the buyer is cancelled or expires, the seller may procure the insurance in such form as the seller may deem necessary, and the cost thereof together with a finance charge may be added to the unpaid total of payments.  (Added to NRS by 1965, 663; A 1993, 2759; 1995, 1805)
NV Rev Stat § 97.275 (2021)
2021 Nevada Revised Statutes|Chapter 97 - Retail Installment Sales of Goods and Services|NRS 97.275 - Invalidity of provisions of contract or agreement; waiver of provisions of chapter ineffective.

  1. No provision of a retail installment contract or retail charge agreement shall be valid by which the buyer agrees not to assert against the seller or against an assignee a claim or defense arising out of the sale.  2. No act or agreement of the retail buyer before or at the time of the making of a retail installment contract, retail charge agreement or purchases thereunder shall constitute a valid waiver of any of the provisions of this chapter or of any remedies granted to the buyer by law.  (Added to NRS by 1965, 663)
NV Rev Stat § 97.285 (2021)
2021 Nevada Revised Statutes|Chapter 97 - Retail Installment Sales of Goods and Services|NRS 97.285 - Provisions of chapter governing retail installment transactions exclusive.

Except as otherwise provided by specific statute, the provisions of this chapter governing retail installment transactions are exclusive, and the provisions of any other statute do not apply to retail installment transactions governed by this chapter. If there is a conflict between the provisions of this chapter and any other statute, the provisions of this chapter control.  (Added to NRS by 1965, 663; A 1981, 1593; 1993, 2760; 1995, 1806; 2001, 490)
NV Rev Stat § 97.297 (2021)
2021 Nevada Revised Statutes|Chapter 97 - Retail Installment Sales of Goods and Services|NRS 97.297 - "Vehicle" defined.

For the purposes of NRS 97.299 and 97.301, "vehicle" has the meaning ascribed to it in NRS 482.135.  (Added to NRS by 1987, 1479)
NV Rev Stat § 97.301 (2021)
2021 Nevada Revised Statutes|Chapter 97 - Retail Installment Sales of Goods and Services|NRS 97.301 - Forms for contracts and application for credit: When use is mandatory.

When a vehicle is sold in this state under the circumstances described in subsection 1 of NRS 97.299, the seller and any lender to whom the application for credit is made shall use the forms prescribed pursuant to that section.  (Added to NRS by 1987, 1479; A 1989, 459)
NV Rev Stat § 97.304 (2021)
2021 Nevada Revised Statutes|Chapter 97 - Retail Installment Sales of Goods and Services|NRS 97.304 - Enforceability of default on part of buyer.

Notwithstanding the provisions of any contract to the contrary, default on the part of the buyer is only enforceable to the extent that:  1. The buyer fails to make a payment as required by the agreement; or  2. The prospect of payment, performance or realization of collateral is significantly impaired. The burden of establishing the prospect of significant impairment is on the seller.  (Added to NRS by 2011, 1029)
NV Rev Stat § 97.305 (2021)
2021 Nevada Revised Statutes|Chapter 97 - Retail Installment Sales of Goods and Services|NRS 97.305 - Violation bar to recovery.

A seller who enters into a contract or retail charge agreement which does not comply with the provisions of this chapter or who violates any provision of this chapter, and a lender who violates NRS 97.301, except as a result of an accidental or bona fide error is barred from the recovery of any finance charge, official fees, or any charge for delinquency or collection under or in connection with the related retail installment contract or purchase under a retail charge agreement; but the seller or lender may nevertheless recover from the buyer an amount equal to the cash price of the goods or services and the cost to the seller or lender of any insurance included in the transaction.  (Added to NRS by 1965, 661; A 1987, 1480; 1993, 2761; 1995, 1807)
NV Rev Stat § 97.315 (2021)
2021 Nevada Revised Statutes|Chapter 97 - Retail Installment Sales of Goods and Services|NRS 97.315 - Injunction to prevent violation.

The Attorney General or the district attorney may bring an action in the name of the state against any person to restrain and prevent any violation of this chapter.  (Added to NRS by 1965, 664)
NV Rev Stat § 97.325 (2021)
2021 Nevada Revised Statutes|Chapter 97 - Retail Installment Sales of Goods and Services|NRS 97.325 - Assurance of discontinuance.

In the enforcement of this chapter, the Attorney General may accept an assurance of discontinuance of any act or practice deemed in violation of this chapter, from any person engaging in, or who has engaged in, such act or practice. Any such assurance shall be in writing and be filed with and subject to the approval of the district court of the county in which the alleged violator resides or has his or her principal place of business. No such assurance may be accepted after the commencement of any action by a district attorney under NRS 97.315 without the consent of the district attorney.  (Added to NRS by 1965, 664)
NV Rev Stat § 97.335 (2021)
2021 Nevada Revised Statutes|Chapter 97 - Retail Installment Sales of Goods and Services|NRS 97.335 - Civil penalties.

Any person who violates any order or injunction issued pursuant to this chapter shall forfeit and pay a civil penalty of not more than $1,000. For the purposes of this section the district court issuing any injunction shall retain jurisdiction, the cause shall be continued, and in such cases the Attorney General acting in the name of the state may petition for the recovery of civil penalties.  (Added to NRS by 1965, 664)
NV Rev Stat § 97A.010 (2021)
2021 Nevada Revised Statutes|Chapter 97A - Debt Evidenced by Credit Card|NRS 97A.010 - Definitions.

As used in this chapter, unless the context otherwise requires, the words and terms defined in NRS 97A.020 to 97A.130, inclusive, have the meanings ascribed to them in those sections.  (Added to NRS by 1995, 2597)
NV Rev Stat § 97A.020 (2021)
2021 Nevada Revised Statutes|Chapter 97A - Debt Evidenced by Credit Card|NRS 97A.020 - "Authorized user" defined.

Authorized user means any person granted express, implied or apparent authority to use the credit card or credit card account of a cardholder. The term includes a secondary cardholder.  (Added to NRS by 1995, 2597)
NV Rev Stat § 97A.030 (2021)
2021 Nevada Revised Statutes|Chapter 97A - Debt Evidenced by Credit Card|NRS 97A.030 - "Beneficial use" defined.

Beneficial use means any use made of the credit card or credit card account of a cardholder by a person other than the cardholder that results in a direct or indirect benefit to the cardholder or any member of the cardholder’s immediate family.  (Added to NRS by 1995, 2597)
NV Rev Stat § 97A.040 (2021)
2021 Nevada Revised Statutes|Chapter 97A - Debt Evidenced by Credit Card|NRS 97A.040 - "Cardholder" defined.

Cardholder means a person:  1. Who establishes a credit card account;  2. Whose name appears on the credit card issued on that account; and  3. Who is liable for the payment of all charges incurred on that account.  (Added to NRS by 1995, 2597)
NV Rev Stat § 97A.050 (2021)
2021 Nevada Revised Statutes|Chapter 97A - Debt Evidenced by Credit Card|NRS 97A.050 - "Credit card" defined.

Credit card means any instrument or device, whether known as a credit card, credit plate, or by any other name, issued with or without fee by an issuer for the use of the cardholder in obtaining money, property, goods, services or anything else of value on credit.  (Added to NRS by 1995, 2597)
NV Rev Stat § 97A.060 (2021)
2021 Nevada Revised Statutes|Chapter 97A - Debt Evidenced by Credit Card|NRS 97A.060 - "Credit card account" defined.

Credit card account means an open line of credit offered by an issuer to a cardholder which is accessed by obtaining money, property, goods, services or anything of value by the use of a credit card.  (Added to NRS by 1995, 2598)
NV Rev Stat § 97A.070 (2021)
2021 Nevada Revised Statutes|Chapter 97A - Debt Evidenced by Credit Card|NRS 97A.070 - "False or fraudulent application" defined.

False or fraudulent application means any written request for the issuance of a credit card, whether or not on a form prescribed by an issuer, that contains an intentional error or mistake regarding any material fact.  (Added to NRS by 1995, 2598)
NV Rev Stat § 97A.080 (2021)
2021 Nevada Revised Statutes|Chapter 97A - Debt Evidenced by Credit Card|NRS 97A.080 - "Financial institution" defined.

Financial institution means:  1. A bank, commercial bank or banking corporation as defined in NRS 657.016;  2. A banking institution which is authorized to issue credit cards pursuant to federal or state law;  3. A banking subsidiary owned by a bank holding company pursuant to 12 U.S.C. § 1841, or by a savings and loan holding company pursuant to 12 U.S.C. § 1467a(a)(1)(D); and  4. Any other federally regulated banking institution.  (Added to NRS by 1995, 2598)
NV Rev Stat § 97A.090 (2021)
2021 Nevada Revised Statutes|Chapter 97A - Debt Evidenced by Credit Card|NRS 97A.090 - "Interest" defined.

  1. "Interest," however denominated or expressed, means the amount which is paid or payable for the privilege of purchasing goods or services with a credit card to be paid for in installments over a period that is longer than the grace period allowed by the issuer during which no payment is due.  2. The term includes:  (a) Annual membership fees;  (b) Charges for the delinquent payment of an installment;  (c) Charges for a check or other negotiable instrument that is submitted for the payment of an installment and is drawn on an account with insufficient money to pay the installment;  (d) Charges for the extension of credit in excess of the limit prescribed by the issuer; and  (e) Any other charge or fee to which the issuer and cardholder agree.  3. The term does not include premiums paid for insurance, attorney’s fees, court costs or fees required to file any civil action.  (Added to NRS by 1995, 2598)
NV Rev Stat § 97A.100 (2021)
2021 Nevada Revised Statutes|Chapter 97A - Debt Evidenced by Credit Card|NRS 97A.100 - "Issuer" defined.

Issuer means a financial institution, or an authorized agent of a financial institution, that issues a credit card.  (Added to NRS by 1995, 2598)
NV Rev Stat § 97A.110 (2021)
2021 Nevada Revised Statutes|Chapter 97A - Debt Evidenced by Credit Card|NRS 97A.110 - "Joint account" defined.

Joint account means a credit card account for which two or more persons agree in writing to be jointly and severally liable for all authorized charges incurred on the account.  (Added to NRS by 1995, 2598)
NV Rev Stat § 97A.120 (2021)
2021 Nevada Revised Statutes|Chapter 97A - Debt Evidenced by Credit Card|NRS 97A.120 - "Secondary cardholder" defined.

Secondary cardholder means a person whose name appears on a credit card at the request of the cardholder for the purpose of authorizing that person to use the credit card account of the cardholder.  (Added to NRS by 1995, 2598)
NV Rev Stat § 97A.130 (2021)
2021 Nevada Revised Statutes|Chapter 97A - Debt Evidenced by Credit Card|NRS 97A.130 - "Service provider" defined.

Service provider means any financial institution or organization retained by an issuer pursuant to a written agreement to provide services related to the administration of credit card accounts.  (Added to NRS by 1995, 2598)
NV Rev Stat § 97A.140 (2021)
2021 Nevada Revised Statutes|Chapter 97A - Debt Evidenced by Credit Card|NRS 97A.140 - Requirements for issuance of credit card; provision and change of terms and conditions for use of credit card; applicable state law.

  1. An issuer located in this State shall not issue a credit card to a cardholder unless the issuer first:  (a) Provides the written notice required pursuant to NRS 97A.145 to the cardholder; and  (b) Receives a written or oral request from the cardholder for the issuance of the credit card.  2. An issuer shall provide the cardholder with the terms and conditions that govern the use of the credit card, in writing, before or at the time of the receipt of the credit card. A cardholder shall be deemed to have accepted the written terms and conditions provided by the issuer upon subsequent actual use of the credit card.  3. The rate of interest charged, and any other fees or charges imposed for the use of the credit card, must be in an amount agreed upon by the issuer and cardholder.  4. An issuer may unilaterally change any term or condition for the use of a credit card without prior written notice to the cardholder unless the change will adversely affect or increase the costs to the cardholder for the use of the credit card. If the change will increase such costs, the issuer shall provide to the cardholder:  (a) An identifiable notice of the change at least 30 days before the change becomes effective; and  (b) An opportunity to avoid the change, including, without limitation, by voluntarily closing the credit card account after providing notice to the issuer. If the cardholder closes the credit card account and the issuer provides any information about the account to a credit reporting agency, the issuer must notify the agency that the cardholder voluntarily closed the credit card account.  5. Unless otherwise stated as a term or condition, the law of this State governs all transactions relating to the use of a credit card if an issuer, or the service provider of an issuer, is located in this State.  (Added to NRS by 1995, 2598; A 2005, 2502; 2007, 655)