reglab/housing_qa huggingface dataset:
V.I. Code tit. 12A, § 203 (2019)
2019 US Virgin Islands Code|Title 12A - Consumer Code|Chapter 3 - Sale of Motor Vehicle Fuel|§ 203. Signs or other advertising devices

 (a) Any sign or device stating or relating to the minimum octane rating or to the retail price of motor fuel, or designed and calculated to cause the public to believe that they state or relate to the minimum octane rating, or to the retail price of motor fuel, posted or displayed on or about premises where motor fuel is sold at retail, or on public property adjacent thereto, and in view of any public highway, road or street, shall clearly and legibly state in figures the minimum octane and, in figures and fractions of uniform size and prominence, the price per gallon and, separately stated, the per gallon amount of tax to be collected in connection with the sale. (b) Nothing contained in this section shall be deemed to prohibit any separate sign or decal posted or displayed on or about premises where motor fuel is sold at retail, relating to premiums, trading stamps, or other promotional devices, or the per gallon amount of tax imposed upon the sale of motor fuel, provided any sign pertaining to price of merchandise other than motor fuel, clearly and legibly states in letters the same size as the figures and fractions stating such price, the name or designations of such merchandise.
V.I. Code tit. 12A, § 204 (2019)
2019 US Virgin Islands Code|Title 12A - Consumer Code|Chapter 3 - Sale of Motor Vehicle Fuel|§ 204. Octane rating standards

 For the purposes of this section, octane rating shall be determined in the manner described in the American Society for Testing and Materials (ASTM) “Standard Specification for Gasoline”, D439–70.
V.I. Code tit. 12A, § 205 (2019)
2019 US Virgin Islands Code|Title 12A - Consumer Code|Chapter 3 - Sale of Motor Vehicle Fuel|§ 205. Penalty

 Any person who wilfully violates the provisions of this chapter shall be guilty of a misdemeanor and, upon conviction, shall be subject to a fine of not to exceed $500 or to imprisonment not to exceed 30 days.
V.I. Code tit. 12A, § 206 (2019)
2019 US Virgin Islands Code|Title 12A - Consumer Code|Chapter 3 - Sale of Motor Vehicle Fuel|§ 206. Enforcement supervision

 The Director of the Consumer Services Administration shall be responsible for supervising the enforcement of this chapter.
V.I. Code tit. 12A, § 207 (2019)
2019 US Virgin Islands Code|Title 12A - Consumer Code|Chapter 3 - Sale of Motor Vehicle Fuel|§ 207. Air hose required in gas stations

 (a) All gasoline stations in the Territory shall provide a functioning air hose which is accessible to the public during regular business hours of such service stations. (b) As used in this section, “functioning air hose” means an air hose that can and does provide air to inflate tires. (c) All service station owners in the Territory not providing an air hose to the public as required in subsection (a) of this section shall have an air hose installed within sixty (60) days of enactment of this Act. (d)  (1) The Commissioner is authorized to promulgate rules and regulations governing the provisions of this section. (2) Any person who violates any provision of this section, or any rule or regulation issued hereunder, shall be subject to an administrative fine not to exceed $100 for each offense, which fine may be imposed by the Commissioner.”
V.I. Code tit. 12A, § 251 (2019)
2019 US Virgin Islands Code|Title 12A - Consumer Code|Chapter 4 - Plain Language Consumer Contracts|§ 251. Policy

 It is the policy of the Government of the United States Virgin Islands to protect consumers in their personal business dealings with sophisticated business entities. Clearly written consumer contracts, as opposed to commercial business contracts, will offer such protection.
V.I. Code tit. 12A, § 251a (2019)
2019 US Virgin Islands Code|Title 12A - Consumer Code|Chapter 4 - Plain Language Consumer Contracts|§ 251a. Definitions

 (a) “Consumer contract”, which includes writings required to complete the consumer transaction, means a written agreement in which a natural person: (1) leases or licenses personal property or leases real property for residential purposes; (2) obtains credit; (3) obtains personal insurance coverage; (4) borrows money; (5) purchases personal property; or (6) contracts for services, including professional services, for cash, or on credit; and the credit, money, property or services are obtained for personal, family or household purposes. (b) “Primary regulator” means a territorial agency or person that has licensing or general regulatory authority over a creditor, seller, insurer or lessor. General business license authority shall not be considered the primary regulator, unless no other territorial agency has regulatory authority.
V.I. Code tit. 12A, § 252 (2019)
2019 US Virgin Islands Code|Title 12A - Consumer Code|Chapter 4 - Plain Language Consumer Contracts|§ 252. Plain language required

 A consumer contract entered into on or after October 30, 1984 shall be written in clear, simple, understandable and easily readable language. In determining whether a consumer contract has been written in clear, simple, understandable and easily readable language, a court or primary regulator shall take into consideration the guidelines set forth in this chapter. Use of technical terms or words of art shall not in and of itself be a violation of this chapter.
V.I. Code tit. 12A, § 253 (2019)
2019 US Virgin Islands Code|Title 12A - Consumer Code|Chapter 4 - Plain Language Consumer Contracts|§ 253. Damages

 A creditor, seller, insurer or lessor who fails to comply with this chapter shall be liable to a consumer who is a party to the consumer contract for actual damages sustained plus punitive damages up to $1,000. The creditor, seller, insurer or lessor shall also be liable for the consumer's reasonable attorney's fees and costs.
V.I. Code tit. 12A, § 254 (2019)
2019 US Virgin Islands Code|Title 12A - Consumer Code|Chapter 4 - Plain Language Consumer Contracts|§ 254. Damages limited

 Class actions may be brought under the provisions of this chapter, but the amount of punitive damages shall be limited to $10,000 against any one seller, lessor, insurer or creditor.
V.I. Code tit. 12A, § 255 (2019)
2019 US Virgin Islands Code|Title 12A - Consumer Code|Chapter 4 - Plain Language Consumer Contracts|§ 255. Exceptions

 (a) There shall be no liability under sections 253 and 254 of this title if: (1) Both parties to the contract have performed their obligations under the contract. (2) The creditor, seller, insurer, or lessor attempts in good faith to comply with this chapter in preparing the consumer contract. Use of a model “plain language” form from a state or federal agency, Commission on Uniform Laws, or National Trade Association shall be prima facie evidence of good faith. (3) The contract is in conformity with a rule, regulation, or the opinion or interpretation of a territorial official authorized by this chapter to issue approvals of the form of the contract. (4) The consumer supplied the contract or the portion of the contract to which the consumer objects. (b) The use of specific language in a consumer contract required, permitted or approved by a law, regulation, rule or published interpretation of a territorial or federal agency shall not violate this chapter.
V.I. Code tit. 12A, § 256 (2019)
2019 US Virgin Islands Code|Title 12A - Consumer Code|Chapter 4 - Plain Language Consumer Contracts|§ 256. Other claims not precluded

 This chapter shall not preclude a debtor, buyer, insured or lessee from making any claims which would have been available to him if this chapter were not in effect.
V.I. Code tit. 12A, § 257 (2019)
2019 US Virgin Islands Code|Title 12A - Consumer Code|Chapter 4 - Plain Language Consumer Contracts|§ 257. Opinions and fees

 (a) A creditor, seller, insurer or lessor may request an opinion from a primary regulator as to whether a consumer contract complies with this chapter. A reasonable fee may be charged by the primary regulator for processing the request. The Chairman of the Banking Board may render an opinion to any banking institution which has a federal charter. (b) A creditor, seller or lessor who does not have a primary regulator may request an opinion from the Attorney General. (c) The primary regulator shall furnish the opinion within a reasonable period of time not to exceed 30 days. A refusal to approve shall be in writing and shall state the reasons for the refusal. The failure of a creditor, seller, insurer or lessor to apply for an opinion under this section shall not be used as evidence in an action brought for a violation of this chapter.
V.I. Code tit. 12A, § 258 (2019)
2019 US Virgin Islands Code|Title 12A - Consumer Code|Chapter 4 - Plain Language Consumer Contracts|§ 258. Restrictions

 (a) This chapter shall not apply to consumer contracts involving amounts of more than $25,000, except for homeowners and tenant insurance policies. (b) Real estate transactions, including title insurance policies, are excluded from this chapter, except that real estate leases for residential purposes are included.
V.I. Code tit. 12A, § 259 (2019)
2019 US Virgin Islands Code|Title 12A - Consumer Code|Chapter 4 - Plain Language Consumer Contracts|§ 259. Guidelines

 (a) To insure that a consumer contract shall be clear, simple, understandable and easily readable, the following are guidelines that a court or primary regulator may consider in determining whether a consumer contract as a whole fails to comply with this chapter: (1) Cross-references that are confusing. (2) Sentences that are of greater length than reasonably necessary. (3) Sentences that contain double negatives and exceptions to exceptions. (4) Sentences and sections that are in a confusing or illogical order. (5) The use of words with obsolete meanings or words that differ in their legal meanings from their common ordinary meaning. (6) Frequent use of Old English and Middle English words and Latin and French phrases. (b) The following are guidelines that a court or regulator shall consider in determining whether the consumer contract as a whole complies with this chapter: (1) Sections shall be logically divided and captioned. (2) A table of contents or alphabetical index shall be used for all contracts with more than 3,000 words. (3) Conditions and exceptions to the main promise of the agreement shall be given equal prominence with the main promise and be in at least 10-point type. (c) The following are guidelines regarding consumer restrictions that must be highlighted: (1) A statement on the front page of the contract that highlights the following: (i) Any provision or condition of the consumer contract that restricts or reduces a consumer's rights. (ii) Any provision or condition of the consumer contract designed for the protection of the seller, insurer, creditor or lessor. (2) The statement required by subsection (c)(1) of this section shall be in 10-point boldface type and not in all capitals, with the following caption in all capitals: “PLEASE READ THIS” in 12-point boldface type. If the contract is typewritten, the text of the statement must be underlined and the caption “PLEASE READ THIS” in all capitals.
V.I. Code tit. 12A, § 260 (2019)
2019 US Virgin Islands Code|Title 12A - Consumer Code|Chapter 4 - Plain Language Consumer Contracts|§ 260. No waiver

 No consumer contract shall contain a waiver of any rights under this chapter. A violation of this chapter shall not render any consumer contract void or voidable, or serve as a defense in an action breach thereof unless enforcement of the contract which violates this chapter would be unconscionable.
V.I. Code tit. 12A, § 261 (2019)
2019 US Virgin Islands Code|Title 12A - Consumer Code|Chapter 4 - Plain Language Consumer Contracts|§ 261. Injunctive relief

 The Director of the Consumer Services Administration or a Primary Regulator or any interested person may seek injunctive relief in the territorial or district court. The court may authorize reasonable attorney's fees and court costs in such a proceeding.
V.I. Code tit. 12A, § 280 (2019)
2019 US Virgin Islands Code|Title 12A - Consumer Code|Chapter 5 - Rental-Purchase Agreement Disclosure Act|§ 280. Short title

 This chapter may be cited as the “Rental-Purchase Disclosure Act”.
V.I. Code tit. 12A, § 281 (2019)
2019 US Virgin Islands Code|Title 12A - Consumer Code|Chapter 5 - Rental-Purchase Agreement Disclosure Act|§ 281. Definitions

 For purposes of the chapter: (a) The term “advertisement” means a commercial message in any medium that aids, promotes or assists, directly or indirectly, a rental-purchase agreement. (b) The term “agricultural purpose” includes: (1) the production, harvest, exhibition, marketing transformation, processing or manufacture of agricultural products by a natural person who cultivates plants or propagates or nurtures agricultural products; and (2) the acquisition of farmlands, real property with a farm residence, or personal property and services used primarily in farming. (c) A term or clause is “clear and conspicuous” when it is so written that a reasonable person against whom it is to operate ought to have noticed it. A printed heading in capitals is conspicuous. Language in the body of a form is conspicuous if it is in a larger or other contrasting type or color. Whether a term or clause is clear and conspicuous is for decision by the court. (d) The term “consumer” means a natural person who leases or rents personal property pursuant to a rental purchase agreement. (e) The term “date of consummation” means the date on which a consumer becomes contractually obligated under a rental-purchase agreement. (f) The term “merchant” means a person who regularly provides the use of property through a rental-purchase agreement in the ordinary course of business and to whom a consumer's initial obligation under the agreement is payable. (g) The term “personal property” means property that is not real property under the laws of the state or territory where the property is located when it is offered or made available under a rental-purchase agreement, unless otherwise stated. (h) The term “rental-purchase agreement” means a contract between a consumer and a merchant: (1) under which the merchant agrees to provide the consumer the use of the personal property for an initial period of four months or less; (2) that is automatically renewable with each payment by the consumer; and (3) that permits, but does not obligate, the consumer to become the owner of the property.
V.I. Code tit. 12A, § 282 (2019)
2019 US Virgin Islands Code|Title 12A - Consumer Code|Chapter 5 - Rental-Purchase Agreement Disclosure Act|§ 282. Exempted transaction

 (a) Rental-purchase agreements that comply with this chapter are not governed by the laws relating to: (1) a security interest as defined in title 11A Virgin Islands Code, Article 1, § 1-201(35) and governed by Article 9 of title 11A Virgin Islands Code. (b) This chapter does not apply to the following: (1) rental purchase agreements primarily for business, commercial or agricultural purposes; (2) a lease made to any governmental agency or instrumentality or organization; (3) a lease of a safe deposit box; money or intangible personal property; (4) a lease of an automobile, motor home, mobile home or manufactured housing; or (5) a lease or bailment of personal property that is incidental to the lease of real property, and which does not provide that the consumer has an option to purchase the leased property.
V.I. Code tit. 12A, § 283 (2019)
2019 US Virgin Islands Code|Title 12A - Consumer Code|Chapter 5 - Rental-Purchase Agreement Disclosure Act|§ 283. General disclosure requirements

 (a) In general. The merchant under a rental-purchase agreement shall disclose in a clear and conspicuous manner to the consumer the information required by sections 284, 285 and 286 of this chapter. In an agreement involving more than one merchant, only one merchant is required to make the disclosures. (b) Disclosure. The disclosures required under sections 284 and 285 of this chapter and the agreement provisions required to be included under section 286 of this chapter shall be made or included: (1) at or before the date of consummation of the rental-purchase agreement; (2) clearly and conspicuously in writing and in a form that the consumer may keep; and (3) in a case of disclosures required under section 284 of this chapter, segregated from all other terms, data or information provided to the consumer. (c) Inaccuracy. If a disclosure required to be made by a merchant to a consumer under section 284 of this chapter becomes inaccurate as the result of any mutual written agreement between the merchant and the consumer occurring after delivery of the required disclosure to the consumer under this chapter, the resulting inaccuracy is not a violation of this chapter.
V.I. Code tit. 12A, § 284 (2019)
2019 US Virgin Islands Code|Title 12A - Consumer Code|Chapter 5 - Rental-Purchase Agreement Disclosure Act|§ 284. Rental purchase disclosures

 For each rental-purchase agreement, the merchant shall disclose to the consumer, to the extent applicable under the agreement, the following: (a) the total amount of the first periodic payment and the total amount of advance payments, delivery charges, trade-in allowances, fees, taxes or other charges that may be required at or before the date of consummation of the agreement. (b) the amount and timing of rental payments; (c) the total number and the total dollar amount of rental payments and other charges necessary to acquire ownership of the property; (d) a statement that the consumer will not own the property until the consumer has paid the total dollar amount necessary to acquire ownership; (e) a disclosure that the total dollar amount payments do not include certain other charges; (f) a statement that the consumer may be responsible for the fair market value of the property if it is lost, stolen, damaged or destroyed; (g) a statement indicating whether the property is new or used, except a statement indicating that new property is used property is not a violation of this chapter; (h) A statement of: (1) the manufacturer's suggested retail price, where applicable, or (2) the price for which the property is available from the merchant in a cash sale; (i) a clear statement of the terms of the consumer's option to purchase; (j) a statement (1) identifying the party responsible for maintaining or servicing the property while it is being rented; (2) describing the responsibility for maintenance or service of the rental property; and (3) disclosing that if any part of a manufacturer's express warranty covers the property at the time the consumer acquires ownership of the property, the warranty will be transferred to the consumer if allowed by the terms of the warranty; (k) the date of consummation of the transaction and the identities of the merchant and consumer; and (l) late fees for past due rental charges.
V.I. Code tit. 12A, § 285 (2019)
2019 US Virgin Islands Code|Title 12A - Consumer Code|Chapter 5 - Rental-Purchase Agreement Disclosure Act|§ 285. Point of rental disclosures

 Each item of property displayed or offered in connection with a rental-purchase agreement must have stamped or affixed to the property a card, tag or label that clearly and conspicuously discloses only the following: (a) whether the property is new or used; (b) the price of the property in a cash sale; (c) the amount of each rental payment; (d) the total number of rental payments necessary to acquire ownership of the property; and (e) the total dollar amount of rental payments necessary to acquire ownership of the property.
V.I. Code tit. 12A, § 286 (2019)
2019 US Virgin Islands Code|Title 12A - Consumer Code|Chapter 5 - Rental-Purchase Agreement Disclosure Act|§ 286. Agreement provisions

 (a) In general. Each rental-purchase agreement must: (1) provide a brief description of the rented property sufficient to identify the rented property to the consumer and merchant. If a rental is for multiple items of property, a description of each item may be provided in a separate statement incorporated by reference agreement; (2) state that the consumer is not required to purchase insurance or liability damage waiver for the property that is the subject of the agreement from the merchant or from any other party owned or controlled by the merchant; (3) provide a statement of any obligation of the consumer and the merchant under the agreement to repair any defect or malfunction of the property covered by the agreement, and any limitation of those obligations; (4) provide that the consumer may terminate the agreement without penalty by voluntarily surrendering or returning the property covered by the agreement upon expiration of any rental term; and (5) contain a provision for reinstatement of the agreement which at a minimum: (A) permits a consumer who fails to make a timely rental renewal payment to reinstate the agreement, without losing any rights or options that exist under the agreement, by the payment of all past due rental charges and any late fee or other charge, within seven business days after the renewal date if the consumer pays monthly, or within three business days after the renewal date if the consumer pays more frequently than monthly; (B) if the consumer returns or voluntarily surrenders the property covered by the agreement, other than through judicial process, during the applicable reinstatement period set forth in subparagraph (A), permits the consumer to reinstate the agreement during a period of at least thirty days after the date of the return or surrender of the property by the payment of all past due rental charges, and any applicable redelivery, repair or late fees; and (C) if the consumer has paid sixty percent or more of the total dollar amount of payments necessary to acquire ownership of the property under the agreement and returns or voluntarily surrenders the property, other than through judicial process, during the applicable reinstatement set forth in subparagraph (A), permits the consumer to reinstate the agreement during a period of at least ninety days after the date of the return of the property by the payment of all past due rental charges and any applicable redelivery, repair or late fees. (b) Construction. Subsection (a) shall not be construed to prevent a merchant from attempting to repossess property during the reinstatement period pursuant to subsection (a)(5)(A), but such a repossession does not affect the consumer's right to reinstate. Upon reinstatement, the merchant shall provide the consumer with the same property, if available; if it is not available the merchant shall substitute property of comparable quality and condition.
V.I. Code tit. 12A, § 287 (2019)
2019 US Virgin Islands Code|Title 12A - Consumer Code|Chapter 5 - Rental-Purchase Agreement Disclosure Act|§ 287. Prohibited provisions of rental-purchase agreement

 A rental-purchase agreement or any document that the merchant requests the consumer to execute may not contain: (a) a confession of judgment; (b) a negotiable instrument; (c) a security interest or any other claim of a property interest in any goods, except those goods the use of which is provided by the merchant pursuant to the agreement; (d) a wage assignment; (e) a waiver by the consumer of a claim, counterclaim or defense; or (f) a requirement that the consumer purchase insurance or liability waiver against loss or damage to the rental property from the merchant. This subsection shall not, however, be construed to prohibit a merchant from offering insurance or a liability waiver to a consumer, if the merchant clearly discloses that acceptance of the offer of insurance or a liability waiver is optional.
V.I. Code tit. 12A, § 288 (2019)
2019 US Virgin Islands Code|Title 12A - Consumer Code|Chapter 5 - Rental-Purchase Agreement Disclosure Act|§ 288. Receipts and accounts

 A merchant shall provide the consumer a written receipt for each payment made by cash, check or money order, the date, the total number of rental payments made and the total number of payments necessary to acquire ownership of the property.