reglab/housing_qa huggingface dataset:
NH Rev Stat § 399-A:9 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-A - Regulation of Small Loans, Title Loans, and Payday Loans|Section 399-A:9 - Continuing Obligation to Update.

    399-A:9 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 the lending industry or any aspect of the lending business or convicted of any felony, prior to the commissioner's approval of such change.||III. Licensees shall notify the department of any change of address and the commissioner shall endorse such change of address on the person's license.||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. 2015, 73:1, eff. Jan. 1, 2016. 2019, 36:22, eff. May 15, 2019.|
NH Rev Stat § 399-A:10 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-A - Regulation of Small Loans, Title Loans, and Payday Loans|Section 399-A:10 - Reporting and Filing Requirements.

    399-A:10 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 its business and 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. The financial statement shall be prepared in accordance with generally accepted accounting principles and shall include a balance sheet, income statement, statement of changes in owners' equity, a cash flow statement, and note disclosures. 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.||II. The commissioner shall publish an analysis of the information required in the licensee's annual report as 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 deems 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.|||Source. 2015, 73:1, eff. Jan. 1, 2016. 2021, 194:6, eff. Oct. 9, 2021.|
NH Rev Stat § 399-A:11 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-A - Regulation of Small Loans, Title Loans, and Payday Loans|Section 399-A:11 - Record Keeping Requirements.

    399-A:11 Record Keeping Requirements. –||I. The licensee shall maintain such books and records in accordance with sound business and accepted accounting practices 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 3 years after the licensee's final transaction on a loan or application file.||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. 2015, 73:1, eff. Jan. 1, 2016.|
NH Rev Stat § 399-A:12 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-A - Regulation of Small Loans, Title Loans, and Payday Loans|Section 399-A:12 - Consumer Inquiries.

    399-A:12 Consumer Inquiries. –||I. Consumer complaints naming licensees under this chapter, which are filed in writing with the office of the commissioner, shall be forwarded via electronic mail or certified or registered mail to the licensee for response within 10 days of receipt by the department. Licensees shall, within 10 days after receipt of such complaint, send a written acknowledgment thereof to the consumer and the banking department. Not later than 30 days following receipt of such complaint, the licensee shall conduct an investigation of the complaint and either:||(a) Make appropriate corrections in the account of the consumer and transmit to the consumer and the banking department written notification of such corrections, including documentary evidence thereof; or||(b) Transmit a written explanation or clarification to the consumer and the banking department which sets forth, to the extent applicable, the reasons why the licensee believes its actions are correct, including copies of documentary evidence thereof.||II. A licensee who fails to respond to consumer complaints as required by this section within the time prescribed shall pay to the commissioner a penalty of $50 for each day such response is overdue. For purposes of this section, the date of transmission shall be the date such response is received by the commissioner.||III. (a) Licensees which, because of extenuating circumstances beyond the control of the licensee, are unable to comply with the time frames prescribed in this section, may make written request to the commissioner for a waiver of such time frames. Waivers shall not be granted or considered unless the request for the waiver:||(1) Is received by the banking department within 20 calendar days following the licensee's receipt of the complaint;||(2) Specifies the reason for the request; and||(3) Specifies a date certain by which the licensee shall comply with the provisions of this section.||(b) Requests for waivers shall be either granted or denied within 5 calendar days of receipt by the banking department.|||Source. 2015, 73:1, eff. Jan. 1, 2016. 2018, 207:6, 7, eff. Aug. 7, 2018. 2021, 194:26, eff. Oct. 9, 2021.|
NH Rev Stat § 399-A:14 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-A - Regulation of Small Loans, Title Loans, and Payday Loans|Section 399-A:14 - Prohibitions; Fraud and Dishonesty.

    399-A:14 Prohibitions;  Fraud and Dishonesty. –||I. No person in connection with engaging in the business of a small loan lender, directly or indirectly shall:||(a) Employ any device, scheme, or artifice to defraud;||(b) Make any untrue statement of a material fact or to omit to state a material fact necessary in order to make the statements made, in light of the circumstances under which they are made, not misleading;||(c) Engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person;||(d) Make fraudulent misrepresentations or circumvent or conceal any material information required to be provided to a borrower under the provisions of this chapter; or||(e) Engage in dishonest or unethical practices in conducting the business of making or collecting small loans.||II. No person shall make or cause to be made in any document filed under this chapter or in any proceeding under this chapter:||(a) Any statement which is, at the time and in the light of the circumstances under which it is made, false or misleading in any material respect; or||(b) In connection with such statement, to omit to state a material fact necessary in order to make the statements made, in light of the circumstances under which they are made, not misleading.|||Source. 2015, 73:1, eff. Jan. 1, 2016.|
NH Rev Stat § 399-A:16 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-A - Regulation of Small Loans, Title Loans, and Payday Loans|Section 399-A:16 - Small Loans Other Than Payday Loans or Title Loans.

    399-A:16 Small Loans Other Than Payday Loans or Title Loans. –||The following provisions are applicable only to small loans other than payday loans or title loans:||I. The annual percentage rate for small loans shall not exceed 36 percent. Notwithstanding the federal definition of annual percentage rate, for purposes of calculating annual percentage rate, the finance charge shall exclude one application fee not to exceed $100 per borrower per year and one participation or membership fee not to exceed $100 per borrower per year.||II. A lender may lend in money, goods, or things of value upon such security not prohibited by RSA 399-A:15, IX as may be agreed upon, and in connection with any such loan, may contract for, exact, or receive, directly or indirectly, charges, whether for interest, compensation, brokerage, endorsement fees, consideration, expense, or otherwise, on the entire principal of the loan.||III. No small loan lender shall permit any person to be obligated to him or her on multiple small loans the total principal balance of which is more than $10,000.||IV. For the purpose of applying paragraphs II and III of this section only, small loan lender shall mean any single small loan lender, except that in the event any person or affiliated group of persons holds more than one small loan lender license, such person or affiliated group of persons shall be considered a single small loan lender.||V. No small loan lender shall induce any potential borrower who is not a loan customer of the lender 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:||(a) 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";||(b) The amount financed;||(c) The annual percentage rate;||(d) The number of installments; and||(e) The amount of each installment payment.||VI. If a borrower desires to renew an existing small loan for obtaining additional cash a new contract shall be drawn up in its entirety and such prior loan shall be paid in full from such proceeds of the new loan. All legal papers in connection with such prior loan shall be stamped "PAID IN FULL" and returned to such borrower.||VII. Notwithstanding RSA 399-A:1, XXI(b) or any other provision of law, a loan with a contractual term of 6 months or longer with an annual percentage rate not exceeding 36 percent, as calculated under RSA 399-A:16, I, shall not be a title loan or a payday loan.|||Source. 2015, 73:1. 2016, 180:1, 2, eff. Aug. 2, 2016. 2018, 196:10, eff. Aug. 7, 2018.|
NH Rev Stat § 399-A:18 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-A - Regulation of Small Loans, Title Loans, and Payday Loans|Section 399-A:18 - Title Loan Lenders.

    399-A:18 Title Loan Lenders. –||I. No title loan lender shall:||(a) Charge the consumer more than one fee for dishonored checks when the consumer issues more than one check to the title loan lender. However, the title loan lender may recover from the consumer any fee charged to the lender by an unaffiliated financial institution for each dishonored check.||(b) Make more than one outstanding title loan that is secured by one title.||(c) Make a title loan without providing the borrower within the title loan agreement the right to cancel the title loan at any time before the close of business of the next business day following the date of the transaction by repaying to the title loan lender in cash the amount advanced to the borrower.||(d) Offer, advertise, or make a title loan with a rate of interest that is lower in the original period than in subsequent renewals.||(e) Make a title loan to a borrower who currently has or had an outstanding payday or title loan within the previous 60 day period. As part of its application process for such a title loan, a title loan lender shall obtain a written statement under oath from the borrower certifying the borrower does not currently have an outstanding and has not had an outstanding payday loan or title loan within the previous 60-day period.||(f) Charge interest at higher than 25 percent per month, however actual costs incurred by the title loan lender pursuant to RSA 399-A:15, XI may be passed through to the borrower.||II. Each title loan lender shall maintain an office in this state that is accessible to consumers.|||Source. 2015, 73:1, eff. Jan. 1, 2016.|
NH Rev Stat § 399-A:19 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-A - Regulation of Small Loans, Title Loans, and Payday Loans|Section 399-A:19 - Title Loan Renewals.

    399-A:19 Title Loan Renewals. –||I. A title loan shall be for an original term of no more than one month.||II. A title loan lender may allow such loan to be renewed no more than 9 additional periods each equal to the original term, provided however, that at each such renewal the borrower shall pay at least 10 percent of the title loan's original principal balance in addition to any finance charge owed, to reduce the principal balance outstanding. No action shall be required of the borrower to renew the loan.||III. If the borrower cannot pay this principal reduction at any renewal, the title loan lender shall either: (a) declare the borrower in default; or (b) allow the loan to be renewed, provided that, in either event, the lender shall reduce the current principal amount of the loan by 10 percent of the original principal amount for the purposes of calculating interest thereafter. This reduction in principal shall continue to be owed by the borrower, but such amount shall not be entitled to accrue interest thereafter. No interest shall accrue on a title loan 60 days after the borrower has been declared in default, unless the borrower cures such default.||IV. No accrued interest shall be capitalized or added to the principal of the title loan at the time of any renewal.|||Source. 2015, 73:1, eff. Jan. 1, 2016. 2018, 206:1, eff. Aug. 7, 2018.|
NH Rev Stat § 399-A:21 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-A - Regulation of Small Loans, Title Loans, and Payday Loans|Section 399-A:21 - Order to Show Cause.

    399-A:21 Order to Show Cause. –||I. The commissioner may issue an order requiring a person to whom any license has been granted or any person under the commissioner's jurisdiction to show cause why the license should not be revoked, suspended, or penalties imposed, or both, for violations of this chapter.||II. (a) The order shall give reasonable notice of the opportunity for a hearing and shall state the reasons for the issuance of the order.||(b) Valid delivery of such order shall be by hand or certified mail at the last known principal office of the licensee or respondent or to a principal, control person, or legal representative of the licensee or respondent.||(c) A hearing, if requested, shall be scheduled not later than 10 calendar days after the written request for such hearing is received by the commissioner.||(d) Within 20 calendar days from the date of the hearing the commissioner shall enter an order making such disposition of the matter as the facts require.||(e) If the person to whom an order to show cause is issued fails to appear at a hearing after being duly notified, such person shall be deemed in default, and the proceeding may be determined against him or her upon consideration of the order to show cause, the allegations of which may be deemed to be true.||(f) If the person to whom an order to show cause or other order is issued fails to request a hearing within 30 calendar days of receipt or valid delivery of the order and no hearing is ordered by the commissioner, then such person shall be deemed in default, and the order shall, on the 31st day, become permanent, and shall remain in full force and effect until and unless later modified or vacated by the commissioner, for good cause shown.||III. The department may take action for immediate suspension of a license, pursuant to RSA 541-A:30, III.||IV. If a licensee is a partnership, association, corporation, or entity however organized, it shall be sufficient cause for the suspension or revocation of a license that any officer, director, or trustee of a licensed association or corporation or any member of a licensed partnership has so acted or failed to act in behalf of said licensee as would be cause for suspending or revoking a license to such party as an individual.|||Source. 2015, 73:1, eff. Jan. 1, 2016.|
NH Rev Stat § 399-A:22 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-A - Regulation of Small Loans, Title Loans, and Payday Loans|Section 399-A:22 - Cease and Desist Orders.

    399-A:22 Cease and Desist Orders. –||I. The department may issue a cease and desist order against any person who it has reasonable cause to believe has violated or is about to violate the provisions of this chapter or any rule or order under this chapter.||II. (a) The order shall be calculated to give reasonable notice of the opportunity for a hearing and shall state the reasons for the issuance of the order.||(b) Valid delivery of such order shall be by hand or certified mail at the last known principal office of the person.||(c) A hearing, if requested, shall be held not later than 10 days after the written request for such hearing is received by the commissioner.||(d) Within 20 days of the date of the hearing the commissioner shall issue a further order vacating the cease and desist order or making it permanent as issued or as amended by the commissioner.||(e) If the person to whom a cease and desist order is issued fails to appear at the hearing after being duly notified, such person shall be deemed in default, and the proceeding may be determined against him or her upon consideration of the cease and desist order, the allegations of which may be deemed to be true.||(f) If the person to whom a cease and desist order is issued fails to request a hearing within 30 calendar days of receipt or valid delivery of such order and no hearing is ordered by the commissioner, then such person shall likewise be deemed in default, and the order shall, on the 31st day, become permanent, and shall remain in full force and effect until and unless later modified or vacated by the commissioner, for good cause shown.||III. If any person refuses to obey the commissioner's order, an action may be brought by the attorney general on the commissioner's behalf in any superior court in this state to enjoin such person from engaging in or continuing such violation or from doing any act or acts in furtherance of such violation. In any such action, an order or judgment may be entered awarding a temporary or permanent injunction, and awarding the commissioner or the attorney general or both costs in bringing such action. Any person who fails to comply with such injunction shall be subject to a fine not exceeding $10,000 or imprisonment, or both.|||Source. 2015, 73:1, eff. Jan. 1, 2016.|
NH Rev Stat § 399-A:24 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-A - Regulation of Small Loans, Title Loans, and Payday Loans|Section 399-A:24 - Consumer Credit Administration License Fund.

    399-A:24 Consumer Credit Administration License Fund. –||The balance in the consumer credit administration license fund shall be transferred and shall be payable to the state treasurer as restricted revenue and credited to the appropriation for the commissioner, consumer credit administration division. Sums collected under this chapter shall be payable to the state treasurer as restricted revenue and credited to the appropriation for the commissioner, consumer credit administration division.|||Source. 2015, 73:1, eff. Jan. 1, 2016.|
NH Rev Stat § 399-B:1 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-B - Disclosure of Finance Charges|Section 399-B:1 - Definitions.

    399-B:1 Definitions. –||Whenever used in this chapter the following words shall have the meaning set opposite them below:||I. "Credit" means any loan, residential mortgage, deed of trust, advance, or discount; any conditional sales contract; any contract to sell, or sale, or contract of sale of property or services, either for present or future delivery, under which part or all of the price is payable subsequent to the making of such sale or contract; any rental-purchase contract; any contract or arrangement for the hire, bailment, or leasing of property; any option, demand, lien, pledge, or other claim against, or for the delivery of, property or money; any purchase, discount, or other acquisition of, or any credit upon the security of, any obligation or claim arising out of any of the foregoing; and any transaction or series of transactions having a similar purpose or effect.||II. "Finance charges" includes charges such as interest, fees, service charges, discounts, and other charges associated with the extension of credit.||III. "Person" means any individual, partnership, association, corporation, or unincorporated organization.|||Source. 1961, 245:7, eff. Aug. 30, 1961.|