reglab/housing_qa huggingface dataset:
IA Code § 538A.4 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 538A - CREDIT SERVICES ORGANIZATIONS|Section 538A.4 - Bond — surety account.

538A.4 Bond — surety account.   1. This section applies to a credit services organization required by section 538A.3, subsection 1, to obtain a surety bond or establish a surety account.   2. If a bond is obtained, a copy of it shall be filed with the secretary of state. If a surety account is established, notification of the depository, the trustee, and the account number shall be filed with the secretary of state.   3. If a bond is obtained, the bond shall be executed by a surety company authorized to do business in this state, and the bond shall be continuous in nature until canceled by the surety with not less than thirty days’ written notice to both the credit services organization and to the secretary of state. The notice shall indicate the surety’s intent to cancel the bond effective on a date at least thirty days after the date of the notice.   4. The bond or surety account required must be in favor of the state for the benefit of any person who is damaged by a violation of this chapter.   5. A person claiming against the bond or surety account for a violation of this chapter may maintain an action at law against the credit services organization and against the surety or trustee. The surety or trustee is liable only for damages awarded under section 538A.9, subsection 1, and not the punitive damages permitted under that section. The aggregate liability of the surety or trustee to all persons damaged by a credit services organization’s violation of this chapter shall not exceed the amount of the surety account or bond.   6. The bond or the surety account shall be in an amount of at least ten thousand dollars.   7. A depository holding money in a surety account under this chapter shall not convey money in the account to the credit services organization that established the account or a representative of the credit services organization unless the credit services organization or representative presents a statement issued by the secretary of state indicating that section 538A.5, subsection 6, has been satisfied in relation to the account. The secretary of state may conduct investigations and require submission of information as necessary to enforce this subsection.  89 Acts, ch 183, §4  CS89, §533C.4  C93, §538A.4  Referred to in §538A.3, 538A.6
IA Code § 538A.5 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 538A - CREDIT SERVICES ORGANIZATIONS|Section 538A.5 - Registration.

538A.5 Registration.   1. A credit services organization shall file a registration statement with the secretary of state before conducting business in this state. The registration statement must contain both of the following:   a. The name and address of the credit services organization.   b. The name and address of any person who directly or indirectly owns or controls ten percent or more of the outstanding shares of stock in the credit services organization.   2. The registration statement must also contain one of the following:   a. A full and complete disclosure of any litigation or unresolved complaint filed with a governmental authority of this state relating to the operation of the credit services organization.   b. A notarized statement that there has been no litigation or unresolved complaint filed with a governmental authority of this state relating to the operation of the credit services organization.   3. The credit services organization shall update the statement not later than the ninetieth day after the date on which a change in the information required in the statement occurs.   4. A credit services organization registering under this section shall maintain a copy of the registration statement in the files of the credit services organization. The credit services organization shall allow a buyer to inspect the registration statement on request.   5. The secretary of state may charge each credit services organization that files a registration statement with the secretary of state a reasonable fee not to exceed one hundred dollars to cover the cost of filing. The secretary of state shall not require a credit services organization to provide information other than that provided in the registration statement.   6. The bond or surety account shall be maintained until two years after the date that the credit services organization ceases to operate.  89 Acts, ch 183, §5  CS89, §533C.5  C93, §538A.5  Referred to in §538A.4
IA Code § 538A.6 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 538A - CREDIT SERVICES ORGANIZATIONS|Section 538A.6 - Disclosure statement.

538A.6 Disclosure statement.   1. Before executing a contract or agreement with a buyer, or receiving money or other valuable consideration, a credit services organization shall provide the buyer with a statement in writing, containing all of the following:   a. A complete and detailed description of the services to be performed by the credit services organization for the buyer and the total cost of the services.   b. A statement explaining the buyer’s rights to proceed against the bond or surety account required by section 538A.4.   c. The name and address of the surety company which issued the bond, or the name and address of the depository and the trustee, and the account number of the surety account.   2. The credit services organization shall maintain on file for a period of two years after the date the statement is provided, an exact copy of the statement, signed by the buyer, acknowledging receipt of the statement.  89 Acts, ch 183, §6  CS89, §533C.6  C93, §538A.6
IA Code § 538A.7 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 538A - CREDIT SERVICES ORGANIZATIONS|Section 538A.7 - Form in terms of contract.

538A.7 Form in terms of contract.   1. A contract between the buyer and a credit services organization for the purchase of the services of the credit services organization must be in writing, dated, signed by the buyer, and must include all of the following:   a. A conspicuous statement in boldface type, in immediate proximity to the space reserved for the signature of the buyer, as follows:   You, the buyer, may cancel this contract at any time before midnight of the third day after the date of the transaction. See the attached notice of cancellation form for an explanation of this right.   b. The terms and conditions of payment, including the total of all payments to be made by the buyer, whether to the credit services organization or to another person.   c. A full and detailed description of the services to be performed by the credit services organization for the buyer, including all guarantees and all promises of full or partial refunds, and the estimated date by which the services are to be performed or estimated length of time for performing the services.   d. The address of the credit services organization’s principal place of business and the name and address of its agent in the state authorized to receive service of process.   2. The contract must have attached two easily detachable copies of the notice of cancellation. The notice must be in boldface type and in the following form:  NOTICE OF CANCELLATION   You may cancel this contract, without any penalty or obligations, within three days after the date the contract is signed.   If you cancel, any payment made by you under this contract will be returned within ten days after the date of receipt by the seller of your cancellation notice.   To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice or other written notice to: (name of seller) at (address of seller) (place of business) not later than midnight (date).  (Date) ........................   (Purchaser’s signature) ....................................   3. The credit services organization shall give to the buyer a copy of the completed contract and all other documents the credit services organization requires the buyer to sign at the time they are signed.  89 Acts, ch 183, §7  CS89, §533C.7  C93, §538A.7
IA Code § 538A.8 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 538A - CREDIT SERVICES ORGANIZATIONS|Section 538A.8 - Waiver.

538A.8 Waiver.   1. A credit services organization shall not attempt to cause a buyer to waive a right under this chapter.   2. A waiver by a buyer of any part of this chapter is void.  89 Acts, ch 183, §8  CS89, §533C.8  C93, §538A.8
IA Code § 538A.9 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 538A - CREDIT SERVICES ORGANIZATIONS|Section 538A.9 - Action for damages.

538A.9 Action for damages.   1. A buyer injured by a violation of this chapter may bring an action for recovery of damages. The damages awarded shall not be less than the amount paid by the buyer to the credit services organization, plus reasonable attorney’s fees and court costs.   2. The buyer may also be awarded punitive damages.  89 Acts, ch 183, §9  CS89, §533C.9  C93, §538A.9  Referred to in §538A.4, 538A.11
IA Code § 538A.10 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 538A - CREDIT SERVICES ORGANIZATIONS|Section 538A.10 - Injunction.

538A.10 Injunction.   The attorney general or a buyer may bring an action in a district court to enjoin a violation of this chapter.  89 Acts, ch 183, §10  CS89, §533C.10  C93, §538A.10
IA Code § 538A.11 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 538A - CREDIT SERVICES ORGANIZATIONS|Section 538A.11 - Statute of limitations.

538A.11 Statute of limitations.   An action shall not be brought under section 538A.9 after ten years after the date of the execution of the contract for services to which the action relates.   An action shall not be brought under section 538A.12 after four years after the date of the execution of the contract for services to which the action relates.  89 Acts, ch 183, §11  CS89, §533C.11  C93, §538A.11
IA Code § 538A.12 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 538A - CREDIT SERVICES ORGANIZATIONS|Section 538A.12 - Criminal penalty.

538A.12 Criminal penalty.   A person who violates a provision of this chapter commits a serious misdemeanor.  89 Acts, ch 183, §12  CS89, §533C.12  C93, §538A.12  Referred to in §538A.11
IA Code § 538A.13 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 538A - CREDIT SERVICES ORGANIZATIONS|Section 538A.13 - Burden of proving exemption.

538A.13 Burden of proving exemption.   In an action under this chapter, the burden of proving an exemption under section 538A.2, subsection 2, is upon the person claiming the exemption.  89 Acts, ch 183, §13  CS89, §533C.13  C93, §538A.13
IA Code § 538A.14 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 538A - CREDIT SERVICES ORGANIZATIONS|Section 538A.14 - Remedies cumulative.

538A.14 Remedies cumulative.   The remedies provided by this chapter are in addition to other remedies provided by law.  89 Acts, ch 183, §14  CS89, §533C.14  C93, §538A.14
IA Code § 539.1 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 539 - ASSIGNMENT OF ACCOUNTS AND NONNEGOTIABLE INSTRUMENTS|Section 539.1 - Assignment of nonnegotiable instruments.

539.1 Assignment of nonnegotiable instruments.   Bonds, due bills, and all instruments by which the maker promises to pay another, without words of negotiability, a sum of money, or by which the maker promises to pay a sum of money in property or labor, or to pay or deliver any property or labor, or acknowledges any money, labor, or property to be due, are assignable by endorsement on the instrument, or by other writing. The assignee, including a person who takes assignment for collection in the regular course of business, has a right of action on them in the assignee’s own name, subject to any defense or counterclaim which the maker or debtor had against an assignor of the instrument before notice of the assignment. In case of conflict between this section and section 554.5112, 554.5113, 554.5114, 554.9404, or 554.9405, section 554.5112, 554.5113, 554.5114, 554.9404, or 554.9405 controls.  [C51, §949; R60, §1796; C73, §2084; C97, §3044; C24, 27, 31, 35, 39, §9451; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §539.1; 82 Acts, ch 1235, §1]  94 Acts, ch 1167, §4; 96 Acts, ch 1026, §17; 2000 Acts, ch 1149, §172, 187  Related provision,  R.C.P. 1.205
IA Code § 539.2 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 539 - ASSIGNMENT OF ACCOUNTS AND NONNEGOTIABLE INSTRUMENTS|Section 539.2 - Assignment prohibited by instrument.

539.2 Assignment prohibited by instrument.   When by the terms of an instrument its assignment is prohibited, an assignment thereof shall nevertheless be valid, but the maker may make use of any defense or counterclaim against the assignee which the maker may have against any assignor thereof before notice of such assignment is given to the maker in writing. In case of conflict between this section and section 554.5112, 554.5113, 554.5114, 554.9404, or 554.9405, section 554.5112, 554.5113, 554.5114, 554.9404, or 554.9405 controls.  [C51, §951; R60, §1798; C73, §2086; C97, §3046; C24, 27, 31, 35, 39, §9452; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §539.2]  94 Acts, ch 1167, §5, 122; 96 Acts, ch 1026, §18; 2000 Acts, ch 1149, §173, 187  Referred to in §539.3  Related provision,  R.C.P. 1.205
IA Code § 539.3 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 539 - ASSIGNMENT OF ACCOUNTS AND NONNEGOTIABLE INSTRUMENTS|Section 539.3 - Assignment of open account.

539.3 Assignment of open account.   An open account of sums of money due on contract may be assigned. The assignee, including a person who takes assignment for collection in the regular course of business, has a right of action on the account in the assignee’s own name, subject to the defenses and counterclaims allowed against the instruments mentioned in section 539.2, before notice of the assignment is given to the debtor in writing by the assignee. In case of conflict, uniform commercial code, section 554.9404 or 554.9405, controls.  [C51, §952; R60, §1799; C73, §2087; C97, §3047; S13, §3047; C24, 27, 31, 35, 39, §9453; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §539.3; 82 Acts, ch 1235, §2]  2000 Acts, ch 1149, §174, 187  Related provision,  R.C.P. 1.205
IA Code § 539.4 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 539 - ASSIGNMENT OF ACCOUNTS AND NONNEGOTIABLE INSTRUMENTS|Section 539.4 - Assignment of wages.

539.4 Assignment of wages.   No sale or assignment, by the head of a family, of wages, whether the same be exempt from execution or not, shall be of any validity whatever unless the same be evidenced by a written instrument, and if married, unless the husband and wife sign and acknowledge the same joint instrument before an officer authorized to take acknowledgments. Provided, however, that no such assignment or order shall be effective or binding upon the employer unless the employer has in writing agreed to accept and pay said assignment or order. This section shall not apply to a wage assignment by an employee to an organization which represents the employee in labor relations with the employee’s employer.  [S13, §3047; C24, 27, 31, 35, 39, §9454; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §539.4]  Referred to in §91A.3, 533.326
IA Code § 539.5 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 539 - ASSIGNMENT OF ACCOUNTS AND NONNEGOTIABLE INSTRUMENTS|Section 539.5 - Priority.

539.5 Priority.   Assignments of wages shall have priority and precedence in the order in which notice in writing of such assignments shall be given to the employer, and not otherwise.  [S13, §3047; C24, 27, 31, 35, 39, §9455; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §539.5]
IA Code § 539.6 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 539 - ASSIGNMENT OF ACCOUNTS AND NONNEGOTIABLE INSTRUMENTS|Section 539.6 - Assignor liable.

539.6 Assignor liable.   The assignor of any of the above instruments not negotiable shall be liable to the action of the assignee without notice.  [C51, §956; R60, §1803; C73, §2088; C97, §3048; C24, 27, 31, 35, 39, §9456; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §539.6]
IA Code § 540.1 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 540 - SURETIES|Section 540.1 - Requiring creditor to sue.

540.1 Requiring creditor to sue.   When any person bound as surety for another for the payment of money, or the performance of any other contract in writing, apprehends that the principal is about to become insolvent or remove permanently from the state without discharging the contract, the surety may, if a cause of action has accrued thereon, by writing, require the creditor to sue upon the same, or permit the surety to commence an action in such creditor’s name and at the surety’s cost.  [C51, §970; R60, §1819; C73, §2108; C97, §3064; C24, 27, 31, 35, 39, §9457; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §540.1]  Order of liability,  R.C.P. 1.956  Right of subrogation, §626.19
IA Code § 540.2 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 540 - SURETIES|Section 540.2 - Refusal or neglect of creditor.

540.2 Refusal or neglect of creditor.   If the creditor refuses or neglects to bring an action for ten days after request, and does not permit the surety to do so, and to furnish the surety with a true copy of the contract or other writing therefor, and enable the surety to have the use of the original when requisite in such action, the surety shall be discharged.  [C51, §971; R60, §1820; C73, §2109; C97, §3065; C24, 27, 31, 35, 39, §9458; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §540.2]
IA Code § 540.3 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 540 - SURETIES|Section 540.3 - Suit by surety.

540.3 Suit by surety.   When the surety commences such action, the surety shall give a bond to pay such costs as may be adjudged against the creditor, and the action shall be brought against all the obligors, but those joining in the request to the creditor shall make no defense thereto, but may be heard on the assessment of the damages.  [C51, §972; R60, §1821; C73, §2110; C97, §3066; C24, 27, 31, 35, 39, §9459; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §540.3]
IA Code § 540.4 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 540 - SURETIES|Section 540.4 - Executor — official bonds.

540.4 Executor — official bonds.   The provisions of this chapter extend to the executor of a deceased surety and holder of the contract, but not to the official bonds of public officers, executors, or guardians.  [C51, §973; R60, §1822; C73, §2111; C97, §3067; C24, 27, 31, 35, 39, §9460; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §540.4]
IA Code § 540A.101 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 540A - INSTITUTIONAL FUNDS MANAGEMENT|Section 540A.101 - Short title.

540A.101 Short title.   This chapter may be cited as the “Uniform Prudent Management of Institutional Funds Act”.  2008 Acts, ch 1066, §1, 11
IA Code § 540A.102 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 540A - INSTITUTIONAL FUNDS MANAGEMENT|Section 540A.102 - Definitions.

540A.102 Definitions.   For purposes of this chapter, unless the context otherwise requires:   1. “Charitable purpose” means the relief of poverty, the advancement of education or religion, the promotion of health, the promotion of a governmental purpose, or any other purpose the achievement of which is beneficial to the community.   2. “Endowment fund” means an institutional fund or any part of an institutional fund, not wholly expendable by the institution on a current basis under the terms of the applicable gift instrument. “Endowment fund” does not include assets that an institution designates as an endowment fund for its own use.   3. “Gift instrument” means a record or records, including an institutional solicitation, under which property is granted to, transferred to, or held by an institution as an institutional fund.   4. “Institution” means any of the following:   a. A person, other than an individual, organized and operated exclusively for charitable purposes.   b. A government or governmental subdivision, agency, or instrumentality, to the extent that it holds funds exclusively for a charitable purpose.   c. A trust that had both charitable and noncharitable interests, after all noncharitable interests have terminated.   5. “Institutional fund” means a fund held by an institution exclusively for charitable purposes. “Institutional fund” does not include any of the following:   a. Program-related assets.   b. A fund held for an institution by a trustee that is not an institution.   c. A fund in which a beneficiary that is not an institution has an interest, other than an interest that could arise upon violation or failure of the purposes of the fund.   6. “Person” means an individual, corporation, business trust, estate, trust, partnership, limited liability company, association, joint venture, public corporation, government or governmental subdivision, agency, or instrumentality, or any other legal or commercial entity.   7. “Program-related asset” means an asset held by an institution primarily to accomplish a charitable purpose of the institution and not primarily for investment.   8. “Record” means information that is inscribed on a tangible medium or that is stored in an electronic or other medium and is retrievable in perceivable form.  2008 Acts, ch 1066, §2, 11
IA Code § 540A.105 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 540A - INSTITUTIONAL FUNDS MANAGEMENT|Section 540A.105 - Delegation of management and investment functions.

540A.105 Delegation of management and investment functions.   1. Subject to any specific limitation set forth in a gift instrument or in law, an institution may delegate to an external agent the management and investment of an institutional fund to the extent that an institution could prudently delegate under the circumstances. An institution shall act in good faith, with the care that an ordinarily prudent person in a like position would exercise under similar circumstances, in doing all of the following:   a. Selecting an agent.   b. Establishing the scope and terms of the delegation, consistent with the purposes of the institution and the institutional fund.   c. Periodically reviewing the agent’s actions in order to monitor the agent’s performance and compliance with the scope and terms of the delegation.   2. In performing a delegated function, an agent owes a duty to the institution to exercise reasonable care to comply with the scope and terms of the delegation.   3. An institution that complies with subsection 1 is not liable for the decisions or actions of an agent to which the function was delegated.   4. By accepting delegation of a management or investment function from an institution that is subject to the laws of this state, an agent submits to the jurisdiction of the courts of this state in all proceedings arising from or related to the delegation or the performance of the delegated function.   5. An institution may delegate management and investment functions to its committees, officers, or employees as authorized by the laws of this state.  2008 Acts, ch 1066, §5, 11
IA Code § 540A.107 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 540A - INSTITUTIONAL FUNDS MANAGEMENT|Section 540A.107 - Reviewing compliance.

540A.107 Reviewing compliance.   Compliance with this chapter is determined in light of the facts and circumstances existing at the time a decision is made or action is taken and not by hindsight.  2008 Acts, ch 1066, §7, 11
IA Code § 540A.108 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 540A - INSTITUTIONAL FUNDS MANAGEMENT|Section 540A.108 - Electronic signatures.

540A.108 Electronic signatures.   This chapter modifies, limits, and supersedes the federal Electronic Signatures in Global and National Commerce Act, 15 U.S.C. §7001 et seq., but does not modify, limit, or supersede section 101 of that Act, 15 U.S.C. §7001(a), or authorize electronic delivery of any of the notices described in section 103 of that Act, 15 U.S.C. §7003(b).  2008 Acts, ch 1066, §8, 11