reglab/housing_qa huggingface dataset:
WY Stat § 40-14-213 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 2 - Credit Sales|Section 40-14-213 - Additional Charges.

40-14-213. Additional charges.| (a) In addition to the credit service charge permitted by this part, a seller may contract for and receive the following additional charges in connection with a consumer credit sale:  (i) Official fees and taxes;  (ii) Charges for insurance as described in subsection (b) of this section; and  (iii) Charges excluded from the credit service charge by the federal Consumer Credit Protection Act or by rule adopted by the administrator.  (b) An additional charge may be made for insurance written in connection with the sale, other than insurance protecting the seller against the buyer's default or other credit loss:  (i) With respect to insurance against loss of or damage to property, or against liability, if the seller furnishes a clear and specific statement in writing to the buyer, setting forth the cost of the insurance if obtained from or through the seller, and stating that the buyer may choose the person through whom the insurance is to be obtained;  (ii) With respect to consumer credit insurance providing life, accident, or health coverage, if the insurance coverage is not a factor in the approval by the seller of the extension of credit and this fact is clearly disclosed in writing to the buyer, and if, in order to obtain the insurance in connection with the extension of credit, the buyer gives specific affirmative written indication of his desire to do so after written disclosure to him of the cost thereof;  (iii) Repealed By Laws 2013, Ch. 124, § 3.  (c) Reasonable closing costs (W.S. 40-14-140(a)(v)) are additional charges.
WY Stat § 40-14-214 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 2 - Credit Sales|Section 40-14-214 - Delinquency Charges.

40-14-214. Delinquency charges.| (a) With respect to a consumer credit sale, refinancing, or consolidation, the parties may contract for a delinquency charge on any installment not paid in full within ten (10) days after its scheduled due date in an amount not exceeding the greater of:  (i) Five percent (5%) of the unpaid amount of the installment; or  (ii) Ten dollars ($10.00).  (b) A delinquency charge under subsection (a) of this section may be collected only once on an installment however long it remains in default. No delinquency charge may be collected if the installment has been deferred and a deferral charge (W.S. 40-14-215) has been paid or incurred until ten (10) days after the deferred due date. A delinquency charge may be collected at the time it accrues or at any time thereafter.  (c) No delinquency charge may be collected on an installment which is paid in full within ten (10) days after its scheduled installment due date even though an earlier maturing installment or a delinquency charge on an earlier installment may not have been paid in full. For purposes of this subsection payments are applied first to current installments and then to delinquent installments.
WY Stat § 40-14-215 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 2 - Credit Sales|Section 40-14-215 - Deferral Charges.

40-14-215. Deferral charges.| (a) With respect to a consumer credit sale, refinancing, or consolidation, the parties before or after default may agree in writing to a deferral of all or part of one (1) or more unpaid installments, and the seller may make and collect a charge which the buyer expressly agrees to pay as consideration for the deferral. A deferral charge may be collected at the time it is assessed or at any time thereafter.  (b) The seller, in addition to the deferral charge, may make appropriate additional charges (W.S. 40-14-213), and the amount of these charges which is not paid in cash may be added to the amount deferred for the purpose of calculating the deferral charge.  (c) Except in connection with a revolving charge account, the parties may agree in writing at the time of a consumer credit sale, refinancing, or consolidation that if an installment is not paid within ten (10) days after its due date, the seller may unilaterally grant a deferral and make charges as provided in this section. No deferral charge may be made for a period after the date that the seller elects to accelerate the maturity of the agreement.  (d) A delinquency charge made by the seller on an installment may not be retained if a deferral charge is made pursuant to this section with respect to the period of delinquency.
WY Stat § 40-14-216 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 2 - Credit Sales|Section 40-14-216 - Credit Service Charge on Refinancing.

40-14-216. Credit service charge on refinancing.| (a) With respect to a consumer credit sale, refinancing, or consolidation, the seller may by agreement with the buyer refinance the unpaid balance and may contract for and receive a credit service charge based on the amount financed resulting from the refinancing at a rate not exceeding that permitted by the provisions on credit service charge for consumer credit sales (W.S. 40-14-212). For the purpose of determining the credit service charge permitted, the amount financed resulting from the refinancing comprises the following:  (i) If the transaction was not precomputed, the total of the unpaid balance and accrued charges on the date of refinancing, or, if the transaction was precomputed, the amount which the buyer would have been required to pay upon prepayment pursuant to the provisions on rebate upon prepayment (W.S. 40-14-221) on the date of refinancing except that for the purpose of computing this amount no minimum credit service charge (W.S. 40-14-212(f)) shall be allowed; and  (ii) Appropriate additional charges (W.S. 40-14-213), payment of which is deferred.
WY Stat § 40-14-217 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 2 - Credit Sales|Section 40-14-217 - Credit Service Charge on Consolidation.

40-14-217. Credit service charge on consolidation.| (a) If a buyer owes an unpaid balance to a seller with respect to a consumer credit sale, refinancing, or consolidation, and becomes obligated on another consumer credit sale, refinancing, or consolidation with the same seller, the parties may agree to a consolidation resulting in a single schedule of payments pursuant to either of the following subsections:  (i) The parties may agree to refinance the unpaid balance with respect to the previous sale pursuant to the provisions on refinancing (W.S. 40-14-216) and to consolidate the amount financed resulting from the refinancing by adding it to the amount financed with respect to the subsequent sale. The seller may contract for and receive a credit service charge based on the aggregate amount financed resulting from the consolidation at a rate not exceeding that permitted by the provisions on credit service charge for consumer credit sales (W.S. 40-14-212);  (ii) The parties may agree to consolidate by adding together the unpaid balances with respect to the two (2) sales.
WY Stat § 40-14-218 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 2 - Credit Sales|Section 40-14-218 - Credit Service Charge for Revolving Charge Accounts.

40-14-218. Credit service charge for revolving charge accounts.| (a) With respect to a consumer credit sale made pursuant to a revolving charge account, the parties to the sale may contract for the payment by the buyer of a credit service charge not exceeding that permitted in this section.  (b) A charge may be made in each billing cycle which is a percentage of an amount no greater than:  (i) The average daily balance of the account;  (ii) The unpaid balance of the account on the same day of the billing cycle; or  (iii) The median amount within a specified range within which the average daily balance of the account or the unpaid balance of the account on the same day of the billing cycle is included. A charge may be made pursuant to this paragraph only if the seller, subject to classifications and differentiations he may reasonably establish, makes the same charge on all balances within the specified range and if the percentage when applied to the median amount within the range does not produce a charge exceeding the charge resulting from applying that percentage to the lowest amount within the range by more than eight percent (8%) of the charge on the median amount.  (c) Except as provided in paragraph (ii) of this subsection:  (i) If the billing cycle is monthly, the charge may not exceed one and three-fourths percent (1.75%) of the amount pursuant to subsection (b) of this section; or  (ii) If the billing cycle is not monthly, the maximum charge is that percentage which bears the same relation to the applicable monthly percentage as the number of days in the billing cycle bears to thirty (30). For the purposes of this section, a variation of not more than four (4) days from month to month is "the same day of the billing cycle".  (d) Notwithstanding subsection (c) of this section, if there is an unpaid balance on the date as of which the credit service charge is applied, the seller may contract for and receive a charge in accordance with this subsection. For accounts with a billing cycle of thirty (30) days or more, the seller may receive a charge not exceeding three dollars ($3.00). For accounts with a billing cycle of less than thirty (30) days, the seller may receive a charge not to exceed the pro rata part of three dollars ($3.00) that bears the same relation to three dollars ($3.00) as the number of days in the billing cycle bears to thirty (30).
WY Stat § 40-14-219 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 2 - Credit Sales|Section 40-14-219 - Advances to Perform Covenants of Buyer.

40-14-219. Advances to perform covenants of buyer.| (a) If the agreement with respect to a consumer credit sale, refinancing, or consolidation contains covenants by the buyer to perform certain duties pertaining to insuring or preserving collateral and the seller pursuant to the agreement pays for performance of the duties on behalf of the buyer, the seller may add the amounts paid to the debt. Within a reasonable time after advancing any sums, he shall state to the buyer in writing the amount of the sums advanced, any charges with respect to this amount, and any revised payment schedule and, if the duties of the buyer performed by the seller pertain to insurance, a brief description of the insurance paid for by the seller including the type and amount of coverages. No further information need be given.  (b) A credit service charge may be made for sums advanced pursuant to subsection (a) of this section at a rate not exceeding the rate stated to the buyer pursuant to the laws relating to disclosure with respect to the sale, refinancing, or consolidation, except that with respect to a revolving charge account the amount of the advance may be added to the unpaid balance of the amount and the seller may make a credit service charge not exceeding that permitted by the provisions on credit service charge for revolving charge accounts (W.S. 40-14-218).
WY Stat § 40-14-220 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 2 - Credit Sales|Section 40-14-220 - Right to Prepay.

40-14-220. Right to prepay.| Subject to the provisions on rebate upon prepayment (W.S. 40-14-221), the buyer may prepay in full the unpaid balance of a consumer credit sale, refinancing, or consolidation at any time without penalty.
WY Stat § 40-14-221 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 2 - Credit Sales|Section 40-14-221 - Rebate Upon Prepayment.

40-14-221. Rebate upon prepayment.| (a) Except as provided in subsection (b) of this section, upon prepayment in full of the unpaid balance of a precomputed consumer credit sale, refinancing or consolidation, the unearned credit service charge shall be refunded based upon the Rule of 78's if the transaction under its original terms did not exceed sixty-one (61) monthly installments and upon the actuarial method, if the transaction by its original terms exceeded sixty-one (61) monthly installments. An amount not less than the unearned portion of the credit service charge calculated according to this section shall be rebated to the debtor. With respect to irregular payment transactions, the administrator may prescribe by rule the refund formula. If the rebate otherwise required is less than one dollar ($1.00), no rebate need be made.  (b) Upon prepayment in full of a consumer credit sale, refinancing, or consolidation, other than one (1) pursuant to a revolving charge account, if the credit service charge then earned is less than any permitted minimum credit service charge (W.S. 40-14-212(f)) contracted for, whether or not the sale, refinancing, or consolidation is precomputed, the seller may collect or retain the minimum charge, as if earned, not exceeding the credit service charge contracted for.  (c) If a deferral (W.S. 40-14-215) has been agreed to, the unearned portion of the credit service charge shall be computed without regard to the deferral. The amount of deferral charge earned at the date of prepayment shall also be calculated. If the deferral charge earned is less than the deferral charge paid, the difference shall be added to the unearned portion of the credit service charge. If any part of a deferral charge has been earned but has not been paid, that part shall be subtracted from the unearned portion of the credit service charge or shall be added to the unpaid balance.  (d) This section does not preclude the collection or retention by the seller of delinquency charges (W.S. 40-14-214).  (e) If the maturity is accelerated for any reason and judgment is obtained, the buyer is entitled to the same rebate as if payment had been made on the date judgment is entered.  (f) Upon prepayment in full of a consumer credit sale by the proceeds of consumer credit insurance (W.S. 40-14-403), the buyer or his estate is entitled to the same rebate as though the buyer had prepaid the agreement on the date the proceeds of the insurance are paid to the seller, but no later than ten (10) business days after satisfactory proof of loss is furnished to the seller.
WY Stat § 40-14-222 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 2 - Credit Sales|Section 40-14-222 - Applicability; Information Required.

40-14-222. Applicability; information required.| (a) For purposes of this part, consumer credit sale includes the sale of an interest in land without regard to the rate of the credit service charge if the sale is otherwise a consumer credit sale (W.S. 40-14-204).  (b) Repealed by Laws 1982, ch. 61, § 2.  (c) Repealed by Laws 1982, ch. 61, § 2.  (d) The lessor shall disclose to the lessee to whom credit is extended with respect to a consumer lease the information required by this part.  (e) Repealed By Laws 2013, Ch. 124, § 3.  (f) Disclosure and advertising of consumer credit shall be made pursuant to the federal Consumer Credit Protection Act.
WY Stat § 40-14-225 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 2 - Credit Sales|Section 40-14-225 - Statement of Rate.

40-14-225. Statement of rate.| (a) Repealed by Laws 1982, ch. 61, § 2.  (b) Repealed by Laws 1982, ch. 61, § 2.  (c) Repealed by Laws 1982, ch. 61, § 2.  (d) Repealed by Laws 1982, ch. 61, § 2.  (e) A statement of rate complies with this part if it does not vary from the accurately computed rate by more than the following tolerances:  (i) The annual percentage rate may be more or less than the actual rate by not more than one-eighth of one percent (.125%) or may be rounded to the nearest one-fourth of one percent (.25%) for consumer credit sales payable in substantially equal installments when a seller determines the total credit service charge on the basis of a single add-on, discount, periodic or other rate, and the rate is converted into an annual percentage rate under procedures prescribed by rule by the administrator;  (ii) The administrator may authorize by rule the use of rate tables or charts which may provide for the disclosure of annual percentage rates which vary from the rate determined in accordance with paragraph (i) of this subsection by not more than the tolerances the administrator may allow; the administrator may not allow a tolerance greater than eight percent (8%) of that rate except to simplify compliance where irregular payments are involved; and  (iii) In case a seller determines the annual percentage rate in a manner other than as described in paragraph (i) or (ii) of this subsection, the administrator may authorize by rule other reasonable tolerances.
WY Stat § 40-14-235 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 2 - Credit Sales|Section 40-14-235 - Scope; Violations of Federal Military Lending Act.

40-14-235. Scope; violations of federal Military Lending Act.| (a) This part applies to consumer credit sales and consumer leases.  (b) The administrator may seek an appropriate remedy, penalty, action or license revocation or suspension as provided in articles 5 and 6 of this chapter against a person licensed under this act for a violation of 10 U.S.C. § 987 or any rule promulgated that is authorized by that section.
WY Stat § 40-14-236 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 2 - Credit Sales|Section 40-14-236 - Use of Multiple Agreements.

40-14-236. Use of multiple agreements.| A seller may not use multiple agreements with intent to obtain a higher credit service charge than would otherwise be permitted by this article or to avoid disclosure of an annual percentage rate pursuant to the laws relating to disclosure and advertising. The excess amount of credit service charge provided for in agreements in violation of this section is an excess charge for the purposes of the provisions on the effect of violations on rights of parties (W.S. 40-14-521) and the provisions on civil actions by administrator (W.S. 40-14-613).
WY Stat § 40-14-237 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 2 - Credit Sales|Section 40-14-237 - Certain Negotiable Instruments Prohibited.

40-14-237. Certain negotiable instruments prohibited.| In a consumer credit sale or consumer lease the seller or lessor may not take a negotiable instrument other than a check as evidence of the obligation of the buyer or lessee. A holder is not in good faith if he takes a negotiable instrument with notice that it is issued in violation of this section. A holder in due course is not subject to the liabilities set forth in the provisions on the effect of violations on rights of parties (W.S. 40-14-521) and the provisions on civil actions by administrator (W.S. 40-14-613).
WY Stat § 40-14-238 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 2 - Credit Sales|Section 40-14-238 - When Assignee Not Subject to Defenses.

40-14-238. When assignee not subject to defenses.| (a) With respect to a consumer credit sale or consumer lease an agreement by the buyer or lessee not to assert against an assignee a claim or defense arising out of the sale or lease is enforceable only by an assignee not related to the seller or lessor who acquires the buyer's or lessee's contract in good faith and for value, who gives the buyer or lessee notice of the assignment as provided in this section and who, within forty-five (45) days after the mailing of the notice of assignment, receives no written notice of the facts giving rise to the buyer's or lessee's claim or defense. This agreement is enforceable only with respect to claims or defenses which have arisen before the end of the forty-five (45) day period after notice was mailed. The notice of assignment shall be in writing and addressed to the buyer or lessee at his address as stated in the contract, identify the contract, describe the goods or services, state the names of the seller or lessor and buyer or lessee, the name and address of the assignee, the amount payable by the buyer or lessee and the number, amounts and due dates of the installments, and contain a conspicuous notice to the buyer or lessee that he has forty-five (45) days within which to notify the assignee in writing of any complaints, claims or defenses he may have against the seller or lessor and that if written notification of the complaints, claims or defenses is not received by the assignee within the forty-five (45) day period, the assignee will have the right to enforce the contract free of any claims or defenses the buyer or lessee may have against the seller or lessor which have arisen before the end of the forty-five (45) day period after notice was mailed.  (b) An assignee does not acquire a buyer's or lessee's contract in good faith within the meaning of subsection (a) of this section if the assignee has knowledge or, from his course of dealing with the seller or lessor or his records, notice of substantial complaints by other buyers or lessees of the seller's or lessor's failure or refusal to perform his contracts with them and of the seller's or lessor's failure to remedy his defaults within a reasonable time after the assignee notifies him of the complaints.  (c) To the extent that under this section an assignee is subject to claims or defenses of the buyer or lessee against the seller or lessor, the assignee's liability under this section may not exceed the amount owing to the assignee at the time the claim or defense is asserted against the assignee and rights of the buyer or lessee under this section can only be asserted as a matter of defense to or setoff against a claim by the assignee.
WY Stat § 40-14-239 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 2 - Credit Sales|Section 40-14-239 - Balloon Payments.

40-14-239. Balloon payments.| With respect to a consumer credit sale, other than one pursuant to a revolving charge account, if any scheduled payment is more than twice as large as the average of earlier scheduled payments, the buyer has the right to refinance the amount of that payment at the time it is due if the seller is still offering that type of credit and the buyer is creditworthy. Credit terms shall be as favorable as those offered to the general public by the seller for the same type of sale at the time a request for refinancing is approved. These provisions do not apply to the extent that the payment schedule is adjusted to the seasonal or irregular income of the buyer.
WY Stat § 40-14-240 (2021)
2021 Wyoming Statutes|Title 40 - Trade and Commerce|Chapter 14 - Wyoming Uniform Consumer Credit Code|Article 2 - Credit Sales|Section 40-14-240 - Restriction on Liability in Consumer Lease.

40-14-240. Restriction on liability in consumer lease.| The obligation of a lessee upon expiration of a consumer lease may not exceed twice the average payment allocable to a monthly period under the lease. This limitation does not apply to charges for damages to the leased property or for other default.