reglab/housing_qa huggingface dataset:
TN Code § 47-18-611 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 6 - Rental-Purchase Agreements|§ 47-18-611. Civil Liability

   A lessor who fails to comply with a requirement imposed in § 47-18-604 or §§ 47-18-606 — 47-18-608 with respect to a consumer is liable to the consumer in an amount equal to the greater of:  The actual damages sustained by the customer as a result of the violation; or     In the case of an individual action, twenty-five percent (25%) of the total of payments necessary to acquire ownership but not less than one hundred dollars ($100) nor greater than one thousand dollars ($1,000); or   In the case of a class action, the amount the court determines to be appropriate with no minimum recovery as to each member. The total recovery in any class action or series of class actions arising out of the same violation may not be more than the lesser of five hundred thousand dollars ($500,000) or one percent (1%) of the net worth of the lessor. In determining the amount of any award in a class action, the court shall consider, among other relevant factors, the amount of actual damages awarded, the frequency and persistence of the violation, the lessor's resources, and the extent to which the lessor's violation was intentional.       Such lessor is also liable to the consumer for the costs of the action and reasonable attorneys' fees as determined by the court.     In the case of an advertisement, any lessor who fails to comply with the requirements of § 47-18-610 with regard to any person is liable to that person for actual damages suffered from the violation, the costs of the action, and reasonable attorneys' fees.   When there are multiple lessors, liability shall be imposed only on the lessor who made the disclosures. When no disclosures have been given, liability shall be imposed on all lessors.   When there are multiple consumers in a rental-purchase agreement, there shall be only one (1) recovery of damages under subsection (a) for a violation of this part.   Multiple violations in connection with a rental-purchase agreement entitle the consumer to a single recovery under this section.   A consumer may not take any action to offset any amount for which a lessor is potentially liable under subsection (a) against any amount owed by the consumer, unless the amount of the lessor's liability has been determined by judgment of a court of competent jurisdiction in an action in which the lessor was a party. This subsection (f) does not bar a consumer then in default on the obligation from asserting a violation of this part as an original action, or as a defense or counterclaim to an action brought by lessor to collect amounts owed by the consumer.   In connection with any transaction covered under this part, the lessor shall preserve evidence of compliance with this part for not less than two (2) years from the date of consummation of the agreement.
TN Code § 47-18-612 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 6 - Rental-Purchase Agreements|§ 47-18-612. Limitation of Actions

 An action under this part may be brought in any court of competent jurisdiction within one (1) year of the date of the occurrence of any violation or within six (6) months of the time the rental-purchase agreement, together with any renewals or extensions thereof, ceases to be in effect, whichever is greater. Notwithstanding the above, an action under this part may be maintained by way of recoupment or counterclaim in an action brought against the consumer by the lessor or its assignee.
TN Code § 47-18-613 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 6 - Rental-Purchase Agreements|§ 47-18-613. Liability — Good Faith Defenses

  A lessor is not liable under § 47-18-612 for a violation of this part if the lessor shows by a preponderance of the evidence that the violation was not intentional and resulted from a bona fide error, even though the lessor maintained procedures reasonably adapted to avoid such an error. Examples of a bona fide error include, but are not limited to, clerical, calculation, computer malfunction and programming, and printing errors. An error of legal judgment with respect to requirements of this title is not a bona fide error.   A lessor is not liable under this part for any act done or omitted in good faith in conformity with any rule, regulation, or interpretation promulgated by the attorney general or by an official duly authorized by the attorney general. This rule applies even if, after the act or omission has occurred, the rule, regulation, or interpretation is amended, rescinded, or determined by judicial or other authority to be invalid for any reason.
TN Code § 47-18-614 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 6 - Rental-Purchase Agreements|§ 47-18-614. Criminal Liability

 A willful and intentional violation of this part is a Class C misdemeanor.
TN Code § 47-18-701 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 7 - Home Solicitation Sales|§ 47-18-701. Short Title

 This part shall be known and may be cited as the “Tennessee Home Solicitation Sales Act of 1974.”
TN Code § 47-18-702 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 7 - Home Solicitation Sales|§ 47-18-702. Part Definitions

 As used in this part, unless the context otherwise requires:   “Business day” means any calendar day except Sunday, or the following business holidays: New Year's Day, Washington's Birthday, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans' Day, Thanksgiving Day, and Christmas Day;   “Buyer” means buyer or lessee;   “Goods” means tangible personal property and also includes a merchandise certificate whereby a writing is issued by the seller which is not redeemable in cash and is usable in lieu of cash in exchange for goods or services;   “Home solicitation sale” means a consumer sale or lease of goods (other than farm equipment and/or motor vehicles) or services, other than insurance and securities, in which the seller or a person acting for the seller engages in the personal solicitation of the sale or lease at any residence other than that of the seller, and the buyer's agreement or offer to purchase or lease is there given to the seller or a person acting for the seller. It does not include cash sales of less than twenty-five dollars ($25.00), a sale or lease made pursuant to a preexisting revolving charge account, or a sale or lease made pursuant to prior negotiations between the parties. It does not include real estate sales or listing agreements. It does not include sales of farm animals or produce or similar perishable items; and   “Seller” means seller or lessor.
TN Code § 47-18-703 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 7 - Home Solicitation Sales|§ 47-18-703. Cancellation — Buyer's Rights — Exceptions

 Notwithstanding any other law to the contrary:   Except as provided in subdivision (5), in addition to any right otherwise to revoke an offer, the buyer has the right to cancel a home solicitation sale until twelve o'clock midnight (12:00) of the third business day after the day on which the buyer signs an agreement or offer to purchase which complies with § 47-18-704;   Cancellation occurs when the buyer gives written notice of cancellation to the seller at the address stated in the agreement or offer to purchase;   Notice of cancellation, if given by mail, is given when it is deposited in a mailbox properly addressed and postage prepaid;   Notice of cancellation given by the buyer need not take a particular form and is sufficient if it indicates by any form of written expression the intention of the buyer not to be bound by the home solicitation sale;   The buyer may not cancel a home solicitation sale if the buyer requests the seller to provide goods or services without delay because of an emergency, and:  The seller in good faith makes a substantial beginning of performance of the contract before the buyer gives notice of cancellation;   In the case of goods, the goods cannot be returned to the seller in substantially as good condition as when received by the buyer; and   The buyer's emergency request is in a dated writing personally signed by the buyer and which expressly states that the buyer understands that the buyer is waiving the buyer's right to cancel the sale under this part;     Except as provided in subdivision (5), any waiver or modification of a buyer's right to cancel is void and of no effect. In the event the seller obtains from the buyer a waiver or modification of the buyer's right to cancel, the buyer's right to cancel shall commence on the first business day following the buyer's learning that the waiver or modification is void and of no effect.
TN Code § 47-18-704 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 7 - Home Solicitation Sales|§ 47-18-704. Cancellation — Notice to Buyer of Rights

  In a home solicitation sale, unless the buyer requests the seller to provide goods or services without delay in an emergency, the seller must present to the buyer a receipt if it is a cash or credit card sale or, in the case of a credit sale, obtain the buyer's signature to a written agreement or offer to purchase which designates as the date of the transaction the date on which the buyer actually makes payment in whole or in part or signs. Contained on any such receipt, written agreement, or offer to purchase, there shall be a readily legible statement as described in subsection (b).   The statement required in subsection (a) shall:  Appear on the front side of the receipt or contract, or immediately above the buyer's signature, under the conspicuous caption: “BUYER'S RIGHT TO CANCEL”; and   Read as follows: “If this agreement was solicited at your residence and you do not want the goods or services, you may cancel this agreement by mailing a notice to the seller. The notice must say that you do not want the goods or services and must be mailed before twelve o'clock midnight (12:00) of the third business day after you sign this agreement. The notice must be mailed to:  (insert name and mailing address of seller).”     In lieu of the form of notice required by subsection (b), a seller may comply with the requirements of the federal statutes, rules, or regulations governing the form of notice of the right of cancellation in door-to-door sales.   Until the seller has complied with this section, the buyer may cancel the home solicitation sale by notifying the seller in any manner and by any means of the buyer's intention to cancel.   A home solicitation sale shall be deemed to be in compliance with the notice requirements of this statute if:  The buyer may at any time:  Cancel the order;   Refuse to accept delivery of the goods without incurring any obligation to pay for them; or   Return the goods to the seller and receive a full refund for any amount the buyer has paid; and     The buyer's right to cancel the order, refuse delivery, or return the goods without obligation or charge at any time is clearly and unmistakably set forth on the face or reverse side of the sales ticket.
TN Code § 47-18-705 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 7 - Home Solicitation Sales|§ 47-18-705. Cancellation — Refund of Payments — Lien Pending Refund

  Except as provided in this section, within ten (10) days after a home solicitation sale has been cancelled or an offer to purchase revoked the seller must tender to the buyer any payments made by the buyer and any note or other evidence of indebtedness.   If the down payment includes goods traded in, the goods must be tendered in substantially as good condition as when received by the seller. If the seller fails to tender the goods as provided by this section, the buyer may elect to recover an amount equal to the trade-in allowance stated in the agreement.   Until the seller has complied with the obligations imposed by this section, the buyer may retain possession of goods delivered to the buyer by the seller and has a lien on the goods in the buyer's possession or control for any recovery to which the buyer is entitled.
TN Code § 47-18-706 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 7 - Home Solicitation Sales|§ 47-18-706. Cancellation — Return of Goods — Compensation for Services

  Except as provided in § 47-18-705(c), within a reasonable time after a home solicitation sale has been cancelled or an offer to purchase revoked, the buyer upon demand must tender to the seller any goods delivered by the seller pursuant to the sale but the buyer is not obligated to tender at any place other than the buyer's residence. If the seller fails to demand possession of goods within twenty (20) days after cancellation or revocation, the goods become the property of the buyer without obligation to pay for them.   The buyer has a duty to take reasonable care of the goods in the buyer's possession before cancellation or revocation and for a reasonable time thereafter, during which time the goods are otherwise at the seller's risk.   If the seller has performed any services pursuant to a home solicitation sale prior to its cancellation, the seller is entitled to compensation only to the extent of the fair market value for any such services performed prior to cancellation.
TN Code § 47-18-707 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 7 - Home Solicitation Sales|§ 47-18-707. Misrepresentation of Seller's Identity

 Notwithstanding any other law, if at the time of a home solicitation a seller or the seller's agent should fail to immediately identify such person as a seller or lessor, or should the seller or agent represent or imply that the seller's or agent's purpose at the time of solicitation is anything other than selling or leasing if that is not substantially true, the buyer shall have a total of thirty (30) days to cancel any home solicitation sales contract there entered into in the same manner and to the same extent as otherwise provided by this chapter; provided, that the goods or merchandise are made available for the seller's repossession and are tendered back to the seller in substantially as good condition as when received by the buyer.
TN Code § 47-18-708 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 7 - Home Solicitation Sales|§ 47-18-708. Nonwaivable Buyer's Rights

  No seller shall use a form or contract in providing goods or services that purports to waive a buyer's right to obtain:  Punitive damages;   Exemplary damages;   Treble damages; or   Attorney's fees.     Any form or contract containing a prohibited provision as described above shall be deemed unconscionable and unenforceable as to such provision.
TN Code § 47-18-801 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 8 - Equal Consumer Credit|§ 47-18-801. Short Title

 This part shall be known and may be cited as the “Tennessee Equal Consumer Credit Act of 1974.”
TN Code § 47-18-802 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 8 - Equal Consumer Credit|§ 47-18-802. Unlawful Discrimination

  It is unlawful for any creditor or credit card issuer to discriminate between equally qualified individuals, whether male or female, or whether disabled, or to discriminate solely on account of marital status against any individual, with respect to the approval or denial of terms of credit in connection with any consumer credit sale, whether or not under an open end credit plan, any consumer loan, or any other extension of consumer credit, or with respect to the issuance, renewal, denial, or terms of any credit card.   “Disabled,” as used in this section, means any physically disabled person who meets the requirements for disabled drivers established in § 55-21-102(3) and (4), and any other individual not otherwise covered under this section who is certified as disabled by a physician duly licensed to practice medicine in Tennessee.   Any requirement of a public utility for the continuation of a utility service account in the name of the spouse in whose name the account was originally opened shall not be a violation of this section where both spouses reside in the same household and have the benefit of the utility service.
TN Code § 47-18-803 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 8 - Equal Consumer Credit|§ 47-18-803. Damages and Attorney's Fees

 Any creditor or credit card issuer who discriminates against any individual in a manner prohibited by § 47-18-802 is liable to such individual in damages in an amount equal to the sum of:   In the case of an individual action, not less than one hundred dollars ($100) nor more than one thousand dollars ($1,000);   In the case of a class action, not more than ten thousand dollars ($10,000); and   In the case of any successful action to enforce the foregoing liability, the costs of the action together with a reasonable attorney's fee as determined by the court.
TN Code § 47-18-804 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 8 - Equal Consumer Credit|§ 47-18-804. Jurisdiction and Limitation of Actions

 Any action brought under this part may be brought in any court of competent jurisdiction in this state during a period of one (1) year commencing on the date of occurrence of the violation.
TN Code § 47-18-805 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 8 - Equal Consumer Credit|§ 47-18-805. Liability of Spouse

 Where the applicant for credit is married, the spouse of the applicant shall not be liable, other than to the extent common law liability is imposed for furnishing necessaries, for any debts, charges, or accounts where the spouse has not signed the application for credit.
TN Code § 47-18-901 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 9 - Unsolicited Merchandise|§ 47-18-901. Rights of Recipient

 Unless otherwise agreed, where unsolicited goods, wares, or merchandise of a value of less than fifty dollars ($50.00) is delivered by United States mail or United Parcel Service to a person who has not actually ordered or requested it, either orally or in writing, the person has a right to refuse to accept delivery of it, is under no duty to return it to the sender, is under no duty to preserve and safe-keep it, and may at the person's option deem it to be, for all purposes, an outright and unconditional gift and may use or dispose of it in any lawful manner without any obligation on the person's part to the sender.
TN Code § 47-18-902 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 9 - Unsolicited Merchandise|§ 47-18-902. Defense Against Action for Value or Return of Goods

 In any action for the monetary value or for the return of such unsolicited goods, wares, or merchandise, it shall be a complete defense that it was delivered voluntarily by the plaintiff and was not actually ordered or requested by the defendant, either orally or in writing.
TN Code § 47-18-1001 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 10 - Credit Services Businesses|§ 47-18-1001. Short Title

 This part shall be known and may be cited as the “Tennessee Credit Services Businesses Act.”
TN Code § 47-18-1003 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 10 - Credit Services Businesses|§ 47-18-1003. Prohibited Practices

 A credit services business, and its salespersons, agents and representatives, and independent contractors who sell or attempt to sell the services of a credit services business, shall not do any of the following:   Charge or receive any money or other valuable consideration prior to full and complete performance of the services that the credit services business has agreed to perform for or on behalf of the consumer, including all representations made orally or in writing. “Full and complete performance” means fulfillment of all items listed in the contract and other solicitations or communications to consumers;   Charge or receive any money or other valuable consideration solely for referral of the consumer to a retail seller or to any other credit grantor who will or may extend credit to the consumer, if the credit that is or will be extended to the consumer is upon substantially the same terms as those available to the general public;   Make, or counsel or advise any consumer to make, any statement that is untrue or misleading and which is known, or which by the exercise of reasonable care should be known, to be untrue or misleading, to a consumer reporting agency or to any person who has extended credit to a consumer or to whom a consumer is applying for an extension of credit, with respect to a consumer's creditworthiness, credit standing, or credit capacity;   Make or use any untrue or misleading representations in the offer or sale of the services of a credit services business or engage, directly or indirectly, in any act, practice, or course of business which operates or would operate as a fraud or deception upon any person in connection with the offer or sale of the services of a credit services business; or   Create, or assist or advise the consumer to create a new credit record by using a different name, address, social security number, or employee identification number;   Provide, in any manner, the services of a credit services business within this state, without registering a bond consistent with § 47-18-1011;   Remove, assist or advise the consumer to remove or otherwise alter adverse information from the consumer's credit record which is accurate or not obsolete;   Create, assist or advise the consumer to request that positive information be inserted or included on the consumer's credit record which is false, inaccurate or obsolete;   Use a program or plan which uses or employs installment payments featuring payments charged directly to a credit card prior to full and complete performance of the services that the credit services business has agreed to perform for or on behalf of the consumer; or   Engaging in any violation of the federal Consumer Credit Protection Act.
TN Code § 47-18-1004 (2021)
2021 Tennessee Code|Title 47 - Commercial Instruments and Transactions|Chapter 18 - Consumer Protection|Part 10 - Credit Services Businesses|§ 47-18-1004. Information Statement Required — Record on File

  Before the execution of a contract or agreement between a consumer and a credit services business or the receipt by the credit services business of any money or other valuable consideration, whichever occurs first, the credit services business shall provide the consumer with an information statement in writing containing all of the information required under § 47-18-1005.   The credit services business shall maintain on file or microfilm for a period of two (2) years from the date of the consumer's acknowledgement an exact copy of the information statement personally signed by the consumer acknowledging receipt of a copy of the information statement.