reglab/housing_qa huggingface dataset:
12 PA Cons Stat § 6214 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6214 - License fees

§ 6214. License fees.   (a) Amount.--A license application shall be accompanied by a license fee as set forth in section 603-A of the act of April 9, 1929 (P.L.177, No.175), known as The Administrative Code of 1929.  (b) Abatement.--No abatement in the amount of the license fee shall be made if the license is: (1) issued for less than one year; or (2) surrendered, canceled or revoked prior to the expiration of the license period for which the license was issued.    Cross References. Section 6214 is referred to in sections 6216, 6219 of this title.
12 PA Cons Stat § 6215 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6215 - License certificate

§ 6215. License certificate.   (a) Issuance.--If the department approves an applicant's license application, it shall issue to the applicant a license certificate showing the name and address of the person authorized to do business under the license.  (b) Public inspection.--  (1) An installment seller and a sales finance company shall post the license certificate in a conspicuous place in the place of business of the licensee so that the certificate is in full view of the public at all times. (2) A collector-repossessor shall carry the license certificate in the immediate possession of the collector-repossessor whenever engaged in the type of business for which the license is issued so that the certificate may be presented for inspection upon request by any person entitled to inspection.  (c) Amendment.--  (1) A licensee desiring to change the address of the place of business shall: (i) give prior written notice to the department; (ii) return the license certificate to the department for amendment; and (iii) retain a copy of the license certificate. (2) The department shall amend the license certificate to show the new address and the date. The new address shall thereafter be the authorized address of the licensee. (3) A licensee is not required to pay a charge for amendment of a license certificate to effect a change of address.
12 PA Cons Stat § 6216 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6216 - License renewal

§ 6216. License renewal.  An application for a license renewal shall have the following characteristics: (1) The application shall be in writing, under oath and in the form prescribed by the department. (2) The application shall be filed at least 15 days prior to October 1. (3) The application shall include an update of the information under section 6212(b) and (c)(1) (relating to initial license application). (4) The application shall be accompanied by the following: (i) A new bond under the same provisions as set forth in section 6213 (relating to bond), which shall be filed annually at least 15 days prior to October 1. (ii) A license fee under the same provisions as set forth in section 6214 (relating to license fees), which shall be paid annually on or before October 1 for each license and place of business.
12 PA Cons Stat § 6218 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6218 - Revocation or suspension of license

§ 6218. Revocation or suspension of license.   (a) Grounds.--Upon notice under subsection (b), the department may revoke or suspend a license if it discovers a fact or condition that, had it existed or been discovered at the time of filing of any license application, would have warranted disapproval of the application or if it finds that the licensee has engaged in any of the following: (1) Made a material misstatement in the license application. (2) Violated a provision of this chapter. (3) Violated an order or regulation issued by the department under and within the authority of this chapter. (4) Failed to comply with a demand, order or regulation of the department lawfully made by the department under and within the authority of this chapter. (5) Refused or refuses to permit the department to make examinations authorized by this chapter. (6) Failed to maintain in effect the bond required under section 6213 (relating to bond), in the case of a sales finance company and collector-repossessor. (7) Failed to maintain satisfactory records required by this chapter or prescribed by the department. (8) Falsified records required by this chapter to be maintained of the business contemplated by this chapter. (9) Failed to file a report with the department within the time stipulated in this chapter. (10) Failed to pay the fine required by this chapter for failure to file reports to the department within the time stipulated. (11) Defrauded a buyer to the buyer's damage or willfully failed to perform a written agreement with a buyer. (12) With respect to the tax or fee due the Commonwealth upon the sale of a motor vehicle: (i) Failed to collect the tax or fee. (ii) Collected the tax or fee and failed to issue a true copy of the tax report to the purchaser, as required by law. (iii) Issued a false or fraudulent tax report or copy thereof. (iv) Failed to pay the tax or fee to the Commonwealth at the time and in the manner required by law. (13) Engaged in unfair, deceptive, fraudulent or illegal practices or conduct in connection with a business regulated by this chapter.  (b) Notice.--  (1) The department shall provide 30 days' written notice to the licensee for a revocation or suspension of a license. (2) The notice under this subsection shall be forwarded by registered mail to the place of business of the licensee, as shown in the license application or as amended on the license certificate in case of change of address subsequent to issuance of the license certificate.    Cross References. Section 6218 is referred to in sections 6205, 6211, 6217, 6219, 6242, 6274 of this title.
12 PA Cons Stat § 6219 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6219 - Multiple places of business

§ 6219. Multiple places of business.   (a) License application.--A separate license application under section 6212 (relating to initial license application) shall be filed for each place of business conducted by or to be established by a licensee within this Commonwealth.  (b) Bond.--A bond under section 6213 (relating to bond) shall be filed for each place of business conducted by a sales finance company and a collector-repossessor within this Commonwealth.  (c) License fee.--With respect to section 6214 (relating to license fees), a separate license fee in the same amount shall be paid for each place of business conducted by a licensee within this Commonwealth.  (d) Requirements.--  (1) Except as provided in paragraph (2), only one place of business may be operated under the same license. (2) For an installment seller, only one license is required if: (i) every place of business is conducted under one name; and (ii) the business records are kept in one place. (3) A licensee may operate more than one place of business only after performing the following actions: (i) Filing an application for each additional place of business. (ii) Furnishing a bond for each additional place of business in the case of a sales finance company and collector-repossessor. (iii) Paying the respective license fee for each place of business.  (e) License suspension and revocation.--  (1) Subject to paragraph (2), the department may revoke or suspend only the particular license to which grounds exist under section 6218(a) (relating to revocation or suspension of license). (2) If the department finds that grounds for revocation are of general application to all places of business or more than one place of business operated by a licensee, it may revoke all the licenses issued to the licensee or those licenses to which grounds exist.
12 PA Cons Stat § 6223 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6223 - Notice

§ 6223. Notice.   (a) Requirement.--An installment sale contract shall contain the notice under subsection (b), which shall be printed directly above the space provided for the signature of the buyer.  (b) Form.--  (1) Except as provided in paragraph (2), the notice shall be in the following form: NOTICE TO BUYER: Do not sign this contract in blank. You are entitled to an exact copy of the contract you sign. Keep it to protect your legal rights. Any holder of this consumer credit contract is subject to all claims and defenses which the buyer could assert against the seller of goods or services obtained pursuant hereto or with the proceeds hereof. Recovery hereunder by the buyer shall not exceed amounts paid by the buyer hereunder. (2) In the notice, the words "lessee" or "mortgagor" may be substituted for the word "buyer," and the words "lease" or "mortgage" may be substituted for the word "contract."    Cross References. Section 6223 is referred to in section 6222 of this title.
12 PA Cons Stat § 6224 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6224 - Itemization

§ 6224. Itemization.  Costs and charges under sections 6222 (relating to contents) and 6242 (relating to other costs included in amount financed) shall be separately itemized in an installment sale contract as to their nature and amounts.
12 PA Cons Stat § 6225 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6225 - Disclosure

§ 6225. Disclosure.  If an installment seller retains a portion of the charge for a good or service provided by another person, the seller shall disclose that the seller may retain a portion of the charge.
12 PA Cons Stat § 6226 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6226 - Heavy commercial motor vehicle

§ 6226. Heavy commercial motor vehicle.   (a) Variable finance charge percentage rate.--Notwithstanding any provision of law to the contrary, the finance charge percentage rate included in an installment sale contract for the sale of a heavy commercial motor vehicle may vary during the term of the contract pursuant to a formula or index set forth in the contract that is made readily available to and verifiable by the buyer and beyond the control of the holder of the contract.  (b) Determinations.--Notwithstanding that the finance charge percentage rate may increase or decrease over the term of the contract according to a formula or index set forth in the contract, the rate applicable to the transaction as of the date of execution of the contract may be used to determine the following: (1) The amount of finance charge under section 6222(5)(vii) (relating to contents). (2) The time balance under section 6222(5)(viii). (3) The payment schedule under section 6222(5)(ix).
12 PA Cons Stat § 6227 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6227 - Manufactured homes

§ 6227. Manufactured homes.   (a) Optional contract provisions.--An installment sale contract for the sale of a manufactured home may: (1) require the buyer to pay real estate taxes that may thereafter be levied upon the manufactured home and furnish the installment seller or holder with proof of payment of real estate taxes in the manner that the contract prescribes; and (2) upon the buyer's failure to pay the real estate taxes or furnish the required proof of payment, allow the seller or holder to accelerate payments or repossess the manufactured home, or both.  (b) Sale.--If the manufactured home is sold by a tax-levying unit of government for nonpayment of real estate taxes by the buyer, the following is not affected or divested: (1) A lien or encumbrance contained in the title of the vehicle pursuant to 75 Pa.C.S. (relating to vehicles). (2) An encumbrance filed of record against the vehicle under the provisions of 13 Pa.C.S. (relating to commercial code).
12 PA Cons Stat § 6228 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6228 - Prohibited provisions

§ 6228. Prohibited provisions.  An installment sale contract may not contain any of the following: (1) Blank spaces to be filled in after the contract has been signed, except regarding serial numbers or other identifying marks that are not available for description of the motor vehicle at the time of execution of the contract. (2) An acceleration clause under which all or part of the time balance represented by payments not yet matured may be declared immediately payable because the installment seller or holder deems itself to be insecure. This paragraph does not apply to an acceleration clause authorizing the seller or holder to declare the entire time balance due and payable in case of any of the following: (i) The buyer's default in the payment of one or more installment payments. (ii) The buyer's failure to pay taxes levied against the motor vehicle. (iii) The buyer's failure to furnish proof of payment of taxes levied against the motor vehicle. (iv) Use of the motor vehicle for illegal purposes. (v) The buyer's filing for bankruptcy. (vi) The buyer's default in the payment of a cross-collateralized obligation. (vii) The buyer's intentionally providing fraudulent and misleading information on a credit application. (3) A provision authorizing a person acting on behalf of the seller or holder to enter upon the premises of the buyer unlawfully or to commit a breach of the peace in the repossession of the motor vehicle or collateral security. (4) A provision whereby the buyer waives a right of action against the seller, holder, collector-repossessor or other person acting on behalf of the holder for an illegal act committed in the collection of payments under the contract or in the repossession of the motor vehicle or collateral security. (5) A provision whereby the buyer executes a power of attorney appointing the seller, the holder, a collector-repossessor or the agent of any of them as the buyer's agent in the collection of payments under the contract or in the repossession of the motor vehicle or collateral security. This paragraph does not apply to a power of attorney issued by the buyer to an attorney at law to be used only in the collection of the obligation by legal process. (6) A provision relieving the holder or other assignee from liability for legal remedies that the buyer may have had against the seller under the contract or a separate instrument executed in connection with the contract. (7) A provision requiring or entailing the execution of a note or series of notes by the buyer, which when separately negotiated will extinguish as to third parties a right of action or defense that the buyer may have against the original seller.
12 PA Cons Stat § 6229 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6229 - Transfer

§ 6229. Transfer.   (a) Installment seller.--An installment seller of a motor vehicle under an installment sale contract executed in this Commonwealth may not sell, transfer or assign the obligation represented by the contract to a person in this Commonwealth or elsewhere unless the person is licensed as a sales finance company under this chapter.  (b) Sales finance company.--A sales finance company licensed under this chapter may not sell, transfer or assign the obligation represented by an installment sale contract executed in this Commonwealth, which it has lawfully acquired, to a person in this Commonwealth or elsewhere unless the person is licensed as a sales finance company under this chapter.  (c) Notice; effect on subsequent holder.--If an installment sale contract is lawfully sold, transferred or assigned to a person who is licensed as a sales finance company under this chapter, the buyer's payment or tender of payment made to and service of notice on the last known holder is binding on a subsequent holder until the new holder furnishes to the buyer a written notice of the sale, transfer or assignment that sets forth the name and address of the new holder authorized to receive future payments on the contract.  (d) Default; notice; effect on subsequent holder.--  (1) If an installment sale contract lawfully acquired by a sales finance company is in default, the holder may resell, retransfer or reassign the contract to the installment seller from whom the contract was originally acquired. (2) The buyer's payment or tender of payment made to and service of notice on the last known holder is binding on a subsequent holder until the new holder furnishes to the buyer a written notice of the resale, retransfer or reassignment that sets forth the following: (i) The name and address of the new holder authorized to receive future payments on the contract. (ii) The unpaid time balance. (iii) The accrued late charges due under the contract.  (e) Applicability.--  (1) This section does not apply to an assignment of an aggregation of installment sale contracts: (i) which is executed by a seller or sales finance company only as a security interest securing payment or performance of a bona fide commercial loan, obtained at lawful rates of interest from a person regularly engaged in the business of lending money on the security of the assigned collateral or amounts due pursuant to a security or debt instrument; and (ii) under which, in the absence of default or other bona fide breach of the loan contract: (A) ownership of the assigned contracts remains vested in the assignor; and (B) collection of payments on the assigned contracts is made by the assignor. (2) An assignment of an aggregation of loan contracts under this section may not be for the purpose of evading or circumventing the provisions of this chapter.    Cross References. Section 6229 is referred to in section 6202 of this title.
12 PA Cons Stat § 6230 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6230 - Statement of account to buyer

§ 6230. Statement of account to buyer.   (a) Information to be included.--At any time after the execution of an installment sale contract and within one year after the termination of the contract, a holder of the contract shall furnish to the buyer upon request a complete and detailed statement of account showing the following: (1) All amounts paid by the buyer on account of the obligation, dates of payment and the allocation of the payments to the reduction of: (i) Time balance. (ii) Refinance charges. (iii) Late charges. (iv) Court costs. (v) Attorney fees. (vi) Costs of retaking, repairing and storing the motor vehicle. (vii) Other costs permitted under the provisions of this chapter and the contract. (2) All amounts credited to the buyer as rebates for prepayment and unexpired premiums on canceled insurance. (3) The amount of the installment payments, accrued charges and expenses incurred, which are due and payable. (4) The number, amount and due dates of installment payments to become due and payable.  (b) Copies.--  (1) The buyer shall be furnished with one statement of account without charge during the term of the contract or within one year after the termination of the contract. (2) Upon request and payment of a reasonable fee not to exceed the cost of production, a holder shall furnish to the buyer an additional statement of account.    Cross References. Section 6230 is referred to in sections 6222, 6254 of this title.
12 PA Cons Stat § 6231 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6231 - Payment receipts

§ 6231. Payment receipts.   (a) When necessary.--When payment is made on an installment sale contract, the person receiving the payment shall, at the time of receiving the payment, furnish a complete written payment receipt to the buyer or individual making the payment on behalf of the buyer if: (1) the buyer requests such receipt; or (2) payment is made in cash.  (b) Contents.--The payment receipt shall contain the following: (1) The date, amount and nature of the payment. (2) An identification of the obligation to which the payment is applicable. (3) The signature or initials of the person receiving the payment on behalf of the holder. (4) The unpaid time balance remaining due after crediting the payment. (5) The amount attributed to late charges, independent of the payment applied to the reduction of the time balance.  (c) Self-addressed stamped envelope.--The holder may require the buyer to supply a self-addressed stamped envelope as a condition of mailing the receipt if the buyer: (1) elects to make a payment by mail; and (2) is previously notified of the need for the envelope.
12 PA Cons Stat § 6232 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6232 - Release of liens

§ 6232. Release of liens.   (a) Duty of holder.--Upon payment in full of the time balance and other amounts lawfully due under an installment sale contract, a holder shall perform the following: (1) Upon request, return to the buyer all instruments in the form maintained by the holder, except those filed or recorded with a public official and retained in the files of the official, which: (i) evidence the buyer's indebtedness or constitute security under the contract; and (ii) were signed by the buyer or the buyer's surety or guarantor, in conjunction with the contract. (2) Specify on the instruments under paragraph (1) that the buyer's obligation has been paid in full. (3) Release all security interests in the motor vehicle or collateral security for the obligation of the buyer under the contract. (4) Deliver to the buyer any assignments and documents of title as may be necessary to vest the buyer with complete evidence of title.  (b) Delivery of certificate of title.--The certificate of title for the motor vehicle shall be delivered to the buyer within ten days of the date of tender of payment in full by mail or other arrangements made between the buyer and holder.