reglab/housing_qa huggingface dataset:
IN Code § 24-4.5-7-409 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 4.5. Uniform Consumer Credit Code|Chapter 7. Small Loans|24-4.5-7-409. Violations; Remedies and Damages; Equitable Relief; Exhaustion of Administrative Remedies Not Required

Sec. 409. (1) This section applies to licensees and unlicensed persons.(2) A person who violates this chapter:(a) is subject to the remedies provided in IC 24-4.5-5-202;(b) commits a deceptive act under IC 24-5-0.5 and is subject to the penalties listed in IC 24-5-0.5;(c) has no right to collect, receive, or retain any principal, interest, or other charges from a small loan; however, this subdivision does not apply if the violation is the result of an accident or bona fide error of computation; and(d) is liable to the borrower for actual damages, statutory damages of two thousand dollars ($2,000) per violation, costs, and attorney's fees; however, this subdivision does not apply if the violation is the result of an accident or bona fide error of computation.The remedies described in this subsection are in addition to all other remedies set forth in this article.(3) The department may sue:(a) to enjoin any conduct that constitutes or will constitute a violation of this chapter; and(b) for other equitable relief.(4) The remedies provided in this section are cumulative but are not intended to be the exclusive remedies available to a borrower. A borrower is not required to exhaust any administrative remedies under this section or any other applicable law.As added by P.L.38-2002, SEC.1. Amended by P.L.73-2004, SEC.30; P.L.10-2006, SEC.19 and P.L.57-2006, SEC.19; P.L.90-2008, SEC.17.
IN Code § 24-4.5-7-410 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 4.5. Uniform Consumer Credit Code|Chapter 7. Small Loans|24-4.5-7-410. Prohibited Acts by Lender

Sec. 410. A lender making small loans, or an assignee of a small loan, shall not commit nor cause to be committed any of the following acts:(a) Threatening to use or using the criminal process in any state to collect on a small loan.(b) Threatening to take action against a borrower that is prohibited by this chapter.(c) Making a misleading or deceptive statement regarding a small loan or a consequence of taking a small loan.(d) Contracting for or collecting attorney's fees on small loans made under this chapter.(e) Altering the date or any other information on a check or an authorization to debit the borrower's account held as security.(f) Using a device or agreement that the department determines would have the effect of charging or collecting more fees, charges, or interest than allowed by this chapter, including, but not limited to:(i) entering a different type of transaction with the borrower;(ii) entering into a sales/leaseback arrangement;(iii) catalog sales;(iv) entering into transactions in which a customer receives a purported cash rebate that is advanced by someone offering Internet content services, or some other product or service, when the cash rebate does not represent a discount or an adjustment of the purchase price for the product or service; or(v) entering any other transaction with the borrower that is designed to evade the applicability of this chapter.(g) Engaging in unfair, deceptive, or fraudulent practices in the making or collecting of a small loan.(h) Charging to cash a check representing the proceeds of a small loan.(i) Except as otherwise provided in this chapter:(i) accepting the proceeds of a new small loan as payment of an existing small loan provided by the same lender; or(ii) renewing, refinancing, or consolidating a small loan with the proceeds of another small loan made by the same lender.(j) Including any of the following provisions in a loan document:(i) A hold harmless clause.(ii) A confession of judgment clause.(iii) A mandatory arbitration clause, unless the terms and conditions of the arbitration have been approved by the director of the department.(iv) An assignment of or order for payment of wages or other compensation for services.(v) A provision in which the borrower agrees not to assert a claim or defense arising out of contract.(vi) A waiver of any provision of this chapter.(k) Selling insurance of any kind in connection with the making or collecting of a small loan.(l) Entering into a renewal with a borrower.As added by P.L.38-2002, SEC.1. Amended by P.L.73-2004, SEC.31; P.L.10-2006, SEC.20 and P.L.57-2006, SEC.20; P.L.90-2008, SEC.18.
IN Code § 24-4.5-7-411 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 4.5. Uniform Consumer Credit Code|Chapter 7. Small Loans|24-4.5-7-411. Exemption of Finance Charges

Sec. 411. Finance charges made in compliance with this chapter are exempt from IC 24-4.5-3-508 and IC 35-45-7.As added by P.L.38-2002, SEC.1.
IN Code § 24-4.5-7-412 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 4.5. Uniform Consumer Credit Code|Chapter 7. Small Loans|24-4.5-7-412. Endorsement of Check

Sec. 412. Upon the receipt of a check from a borrower for a small loan, unless the check is marked as void at the time of acceptance by the lender, the lender shall immediately stamp the back of the check with an endorsement that states:"This check is being negotiated as part of a small loan under IC 24-4.5, and any holder of this check takes it subject to the claims and defenses of the maker.".As added by P.L.38-2002, SEC.1. Amended by P.L.73-2004, SEC.32; P.L.35-2010, SEC.86.
IN Code § 24-4.5-7-414 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 4.5. Uniform Consumer Credit Code|Chapter 7. Small Loans|24-4.5-7-414. Rulemaking Authority

Sec. 414. The department may adopt rules under IC 4-22-2 to implement this chapter.As added by P.L.38-2002, SEC.1.
IN Code § 24-4.6-1-0.1 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 4.6. Special Provisions Concerning Certain Transactions|Chapter 1. Interest Limits and Application of Other Laws|24-4.6-1-0.1. Application of Certain Amendments to Chapter

Sec. 0.1. The following amendments to this chapter apply as follows:(1) The amendments made to section 101 of this chapter by P.L.149-1988 apply to the accrual of interest after June 30, 1988, on any part of a judgment that is unpaid after June 30, 1988, even if the judgment was rendered before July 1, 1988.(2) The amendments made to section 101 of this chapter by P.L.208-1993 apply to the accrual of interest after December 31, 1993, on any part of a judgment that is unpaid after December 31, 1993, even if the judgment was rendered before January 1, 1994.As added by P.L.220-2011, SEC.392.
IN Code § 24-4.6-1-101 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 4.6. Special Provisions Concerning Certain Transactions|Chapter 1. Interest Limits and Application of Other Laws|24-4.6-1-101. Money Judgments

Sec. 101. Except as otherwise provided by statute, interest on judgments for money whenever rendered shall be from the date of the return of the verdict or finding of the court until satisfaction at:(1) the rate agreed upon in the original contract sued upon, which shall not exceed an annual rate of eight percent (8%) even though a higher rate of interest may properly have been charged according to the contract prior to judgment; or(2) an annual rate of eight percent (8%) if there was no contract by the parties.Formerly: Acts 1974, P.L.115, SEC.2. As amended by Acts 1981, P.L.220, SEC.1; P.L.149-1988, SEC.1; P.L.208-1993, SEC.1.
IN Code § 24-4.6-1-102 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 4.6. Special Provisions Concerning Certain Transactions|Chapter 1. Interest Limits and Application of Other Laws|24-4.6-1-102. Rate in Absence of Agreement

Sec. 102. When the parties do not agree on the rate, interest on loans or forbearances of money, goods or things in action shall be at the rate of eight percent (8%) per annum until payment of judgment.Formerly: Acts 1974, P.L.115, SEC.2.
IN Code § 24-4.6-1-103 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 4.6. Special Provisions Concerning Certain Transactions|Chapter 1. Interest Limits and Application of Other Laws|24-4.6-1-103. Date of Accrual

Sec. 103. Interest at the rate of eight percent (8%) per annum shall be allowed:(a) From the date of settlement on money due on any instrument in writing which does not specify a rate of interest and which is not covered by IC 24-4.5 or this article;(b) And from the date an itemized bill shall have been rendered and payment demanded on an account stated, account closed or for money had and received for the use of another and retained without the other person's consent.Formerly: Acts 1974, P.L.115, SEC.2. As amended by P.L.86-2018, SEC.196.
IN Code § 24-4.6-1-104 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 4.6. Special Provisions Concerning Certain Transactions|Chapter 1. Interest Limits and Application of Other Laws|24-4.6-1-104. Computation of Interest; Methods

Sec. 104. (a) The parties may agree upon any method of computing interest on a loan or a forbearance of money, goods, or things in action if the amount of interest on the unpaid balances of the principal does not exceed any limitation imposed by law upon charges incident to the extension of credit.(b) Methods of computing interest to which parties may agree under this section include the following:(1) Simple interest on the unpaid balances of the principal.(2) Simple interest on the outstanding balance of the principal to which is added past due installments of interest, the sum of which forms the principal upon which interest thereafter shall be computed. The addition to principal in this manner may occur repeatedly but not more frequently than daily.(c) Unless the parties agree otherwise, the method of computing interest agreed upon under this section continues to apply after the term of the loan or forbearance, including after the award of a judgment on the loan or forbearance, until all principal and interest and the amount of any judgment are paid.(d) If the parties do not agree on the method of computation, interest shall be computed and charged:(1) at the rate agreed to by the parties or as provided in section 102 of this chapter; and(2) according to the method described in subsection (b)(2).As added by P.L.140-1990, SEC.1.
IN Code § 24-4.6-1-201 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 4.6. Special Provisions Concerning Certain Transactions|Chapter 1. Interest Limits and Application of Other Laws|24-4.6-1-201. Law Applicable to Consumer Credit Sales or Leases

Sec. 201. IC 24-5-2-21 through IC 24-5-2-24 apply to consumer credit sales, consumer leases, and assignees thereof.Formerly: Acts 1974, P.L.115, SEC.2. As amended by P.L.10-2006, SEC.21 and P.L.57-2006, SEC.21.
IN Code § 24-4.6-1-202 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 4.6. Special Provisions Concerning Certain Transactions|Chapter 1. Interest Limits and Application of Other Laws|24-4.6-1-202. Applicability of Ic 24-5-6 to Sales at Residence of Consumer

Sec. 202. The provisions of IC 24-5-6 (repealed) concerning sales at the residence of a consumer shall not apply to consumer credit sales or consumer leases but shall apply to all other sales at the residence of a consumer.Formerly: Acts 1974, P.L.115, SEC.2. As amended by P.L.1-2010, SEC.98.
IN Code § 24-4.6-3-1 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 4.6. Special Provisions Concerning Certain Transactions|Chapter 3. Unauthorized Solicitation of Money Using the Name of a Public Safety Agency|24-4.6-3-1. "Public Safety Agency" Defined

Sec. 1. As used in this chapter, "public safety agency" means a state or local law enforcement or fire protection agency.As added by P.L.173-1997, SEC.1.
IN Code § 24-4.6-3-2 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 4.6. Special Provisions Concerning Certain Transactions|Chapter 3. Unauthorized Solicitation of Money Using the Name of a Public Safety Agency|24-4.6-3-2. Permission for Solicitation Required; Withdrawal of Permission

Sec. 2. (a) A person may not solicit or otherwise request money from the public for any purpose:(1) using the name of a public safety agency; or(2) by using language that implies a connection to a public safety agency;unless the person first receives express written permission from the public safety agency.(b) Permission granted by a public safety agency under subsection (a) may be withdrawn by the agency if the agency finds that a person is or has been soliciting in a manner that:(1) reflects negatively on the agency; or(2) differs significantly from that for which permission was granted.(c) A person shall immediately stop soliciting upon notification by a public service agency that the agency has withdrawn its permission.As added by P.L.173-1997, SEC.1.
IN Code § 24-4.6-3-3 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 4.6. Special Provisions Concerning Certain Transactions|Chapter 3. Unauthorized Solicitation of Money Using the Name of a Public Safety Agency|24-4.6-3-3. Requirements for Solicitation; Violations

Sec. 3. (a) A solicitation of money in any form approved under section 2 of this chapter must:(1) inform the public that the solicitation has been approved by the appropriate public safety agency; and(2) use the correct name of the public safety agency.(b) A person who violates this section commits a Class C infraction.As added by P.L.173-1997, SEC.1.
IN Code § 24-4.6-3-4 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 4.6. Special Provisions Concerning Certain Transactions|Chapter 3. Unauthorized Solicitation of Money Using the Name of a Public Safety Agency|24-4.6-3-4. Violations

Sec. 4. A person who knowingly or intentionally violates section 2 of this chapter commits a Class A misdemeanor.As added by P.L.173-1997, SEC.1.
IN Code § 24-4.6-4-1 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 4.6. Special Provisions Concerning Certain Transactions|Chapter 4. Coalition to Support Indiana Seniors|24-4.6-4-1. "Alternative Payment Date Process" Defined

Sec. 1. As used in this chapter, "alternative payment date process" refers to the process described in section 4(d) of this chapter.As added by P.L.25-2002, SEC.1.
IN Code § 24-4.6-4-2 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 4.6. Special Provisions Concerning Certain Transactions|Chapter 4. Coalition to Support Indiana Seniors|24-4.6-4-2. "Coalition" Defined

Sec. 2. As used in this chapter, "coalition" means the coalition to support Indiana seniors established by section 4(a) of this chapter.As added by P.L.25-2002, SEC.1.
IN Code § 24-4.6-4-3 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 4.6. Special Provisions Concerning Certain Transactions|Chapter 4. Coalition to Support Indiana Seniors|24-4.6-4-3. "Senior Citizen" Defined

Sec. 3. As used in this chapter, "senior citizen" means a resident of Indiana who is at least sixty (60) years of age.As added by P.L.25-2002, SEC.1.
IN Code § 24-4.6-4-4 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 4.6. Special Provisions Concerning Certain Transactions|Chapter 4. Coalition to Support Indiana Seniors|24-4.6-4-4. Establishment and Membership

Sec. 4. (a) The coalition to support Indiana seniors is established.(b) The coalition consists of businesses that meet the requirements of this chapter.(c) To be admitted as a member of the coalition, a business must provide written notification to the lieutenant governor that the business seeks membership and that the business meets the requirements of subsection (d).(d) A business is eligible for membership in the coalition if the business creates a process that allows a senior citizen to have an alternative payment date for all amounts due to the business that does not conflict or pose an undue hardship with the date the senior citizen receives payments from the Social Security Administration, a pension, or any other form of retirement income. The alternative payment date process must allow a senior citizen to elect to use the alternative payment date process by contacting the business.(e) A business that creates an alternative payment date process must:(1) notify each senior citizen who is required to make payments to the business that the alternative payment date process has been created; and(2) provide information to the senior citizen on using the alternative payment date process.(f) The business must allow a senior citizen to elect to use the alternative payment date process if the senior citizen contacts the business and requests to use the alternative payment date process.As added by P.L.25-2002, SEC.1.
IN Code § 24-4.6-4-5 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 4.6. Special Provisions Concerning Certain Transactions|Chapter 4. Coalition to Support Indiana Seniors|24-4.6-4-5. Publishing of List of Members

Sec. 5. (a) The lieutenant governor shall compile a list of the members of the coalition.(b) Not later than July 1 and December 1 of each year, the lieutenant governor shall publish the list of members of the coalition.As added by P.L.25-2002, SEC.1.
IN Code § 24-4.6-4-6 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 4.6. Special Provisions Concerning Certain Transactions|Chapter 4. Coalition to Support Indiana Seniors|24-4.6-4-6. Member Advertising

Sec. 6. A member of the coalition may display and use in advertising the following phrase:"Member of the Coalition to Support Indiana Seniors".As added by P.L.25-2002, SEC.1.
IN Code § 24-4.6-5-1 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 4.6. Special Provisions Concerning Certain Transactions|Chapter 5. Vehicle Owner Liability for Motor Fuel Theft|24-4.6-5-1. "Motor Fuel"

Sec. 1. As used in this chapter, "motor fuel" includes gasoline (as defined in IC 6-6-1.1-103(g)), special fuel (as defined in IC 6-6-2.5-22), and alternative fuel (as defined in IC 6-6-2.5-1).As added by P.L.97-2011, SEC.2.
IN Code § 24-4.6-5-2 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 4.6. Special Provisions Concerning Certain Transactions|Chapter 5. Vehicle Owner Liability for Motor Fuel Theft|24-4.6-5-2. "Retailer"

Sec. 2. As used in this chapter, "retailer" means a person that engages in the business of selling or distributing motor fuel to an end user within Indiana.As added by P.L.97-2011, SEC.2.
IN Code § 24-4.6-5-3 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 4.6. Special Provisions Concerning Certain Transactions|Chapter 5. Vehicle Owner Liability for Motor Fuel Theft|24-4.6-5-3. "Vehicle"

Sec. 3. As used in this chapter, "vehicle" has the meaning set forth in IC 6-6-5-1(b).As added by P.L.97-2011, SEC.2. Amended by P.L.256-2017, SEC.187.
IN Code § 24-4.6-5-4 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 4.6. Special Provisions Concerning Certain Transactions|Chapter 5. Vehicle Owner Liability for Motor Fuel Theft|24-4.6-5-4. Owner Liability to Retailer

Sec. 4. (a) Subject to section 6(b) of this chapter, if:(1) motor fuel from a retailer is pumped into a vehicle; and(2) proper payment is not made to the retailer for the motor fuel;the owner of the vehicle is liable to the retailer for the total pump price of the motor fuel pumped into the vehicle plus a service charge of fifty dollars ($50), and the cost of certified mail, return receipt requested, or as provided in IC 1-1-7-1(a).(b) The service charge may be imposed upon a vehicle owner when notice is mailed to the vehicle owner under section 5 of this chapter. Only one (1) service charge may be imposed under this section for each incident in which motor fuel is pumped into a vehicle and proper payment is not made.As added by P.L.97-2011, SEC.2.
IN Code § 24-4.6-5-5 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 4.6. Special Provisions Concerning Certain Transactions|Chapter 5. Vehicle Owner Liability for Motor Fuel Theft|24-4.6-5-5. Collection of a Liability

Sec. 5. (a) To collect a liability from a vehicle owner under this chapter, an association of retailers must first send a notice of nonpayment to the vehicle owner by certified mail, return receipt requested, to the address indicated by records obtained under section 8 of this chapter.(b) A notice sent under subsection (a) must:(1) state the total pump price of the motor fuel pumped into the vehicle owner's vehicle and the amount of the service charge;(2) state how the vehicle owner is to pay the liability;(3) include a copy of this chapter and IC 34-24-3;(4) state that, subject to section 6(b) of this chapter, the vehicle owner is subject to liability for an amount equal to triple the total pump price of the motor fuel received plus other damages under IC 34-24-3-1 if the liability is not paid within thirty (30) days; and(5) include a signed statement by the retailer or the employee of the retailer who reported the incident in which motor fuel was pumped into the vehicle owner's vehicle and proper payment was not made, setting forth:(A) the date, time, and location of the incident; and(B) the license plate number of the vehicle into which the motor fuel was pumped.As added by P.L.97-2011, SEC.2.
IN Code § 24-4.6-5-6 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 4.6. Special Provisions Concerning Certain Transactions|Chapter 5. Vehicle Owner Liability for Motor Fuel Theft|24-4.6-5-6. Notice to Owner of Vehicle

Sec. 6. (a) Subject to subsection (b), if a vehicle owner does not pay the total pump price of the motor fuel pumped and the service charge within thirty (30) days after the association of retailers sends the notice to the vehicle owner under section 5 of this chapter, the vehicle owner:(1) is liable to the retailer for:(A) the total pump price of the motor fuel pumped, as set forth in the notice sent under section 5 of this chapter; and(B) the service charge under section 4 of this chapter; and(2) is subject to liability to the retailer for other damages, costs, fees, and expenses in an action brought by the retailer under IC 34-24-3-1.(b) If a vehicle owner, not more than thirty (30) days after the association of retailers sends the notice to the vehicle owner under section 5 of this chapter, sends written notice to the association of retailers:(1) disputing the retailer's claim that motor fuel was pumped into the vehicle owner's vehicle and proper payment was not made; or(2) stating that, when motor fuel was pumped into the vehicle owner's vehicle and proper payment was not made, the vehicle owner was not operating the vehicle and was not responsible for paying for the motor fuel pumped into the vehicle;the vehicle owner does not become liable to the retailer under subsection (a)(1), and the association of retailers shall cease communications and all collection efforts under this chapter. However, the retailer may pursue a civil action against the vehicle owner under IC 34-24-3-1.As added by P.L.97-2011, SEC.2.
IN Code § 24-4.6-5-7 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 4.6. Special Provisions Concerning Certain Transactions|Chapter 5. Vehicle Owner Liability for Motor Fuel Theft|24-4.6-5-7. Civil Liability of Vehicle Owner

Sec. 7. If a vehicle owner does not:(1) pay the total pump price of the motor fuel pumped and the service charge in response to a notice sent by a retailer under this chapter; or(2) reply to the retailer's notice with a written notice under section 6(b)(1) or 6(b)(2) of this chapter;the vehicle owner's civil liability under this chapter does not preclude criminal liability under IC 35-43-4-2, IC 35-43-4-3, IC 35-43-4-8, or any other law.As added by P.L.97-2011, SEC.2.