reglab/housing_qa huggingface dataset:
NV Rev Stat § 598C.380 (2021)
2021 Nevada Revised Statutes|Chapter 598C - Consumer Reporting|NRS 598C.380 - Release of consumer report by reporting agency to authorized persons.

Notwithstanding that a security freeze has been placed in the file of a consumer, a reporting agency may release the consumer report of the consumer to:  1. A person with whom the consumer has an existing business relationship, or the subsidiary, affiliate or agent of that person, for any purpose relating to that business relationship.  2. A licensed collection agency to which an account of the consumer has been assigned for the purposes of collection.  3. A person with whom the consumer has an account or contract or to whom the consumer has issued a negotiable instrument, or the subsidiary, affiliate, agent, assignee or prospective assignee of that person, for purposes relating to that account, contract or negotiable instrument.  4. A person seeking to use information in the file of the consumer for the purposes of prescreening pursuant to the Fair Credit Reporting Act, 15 U.S.C. §§ 1681 et seq.  5. A subsidiary, affiliate, agent, assignee or prospective assignee of a person to whom access has been granted pursuant to NRS 598C.350 for the purposes of facilitating the extension of credit.  6. A person seeking to provide the consumer with a copy of the consumer report or the credit score of the consumer upon the request of the consumer.  7. A person administering a credit file monitoring subscription service to which the consumer has subscribed.  8. A person requesting the consumer report pursuant to a court order, warrant or subpoena.  9. A federal, state or local governmental entity, agency or instrumentality that is acting within the scope of its authority, including, without limitation, an agency which is seeking to collect child support payments pursuant to Part D of Title IV of the Social Security Act, 42 U.S.C. §§ 651 et seq. 10. A person holding a license issued by the Nevada Gaming Commission pursuant to title 41 of NRS, or the subsidiary, affiliate, agent, assignee or prospective assignee of that person, for purposes relating to any activities conducted pursuant to the license.  11. An employer, or the subsidiary, affiliate, agent, assignee or prospective assignee of that employer, for purposes of:  (a) Preemployment screenings relating to the consumer; or  (b) Decisions or investigations relating to the consumer’s current or former employment with the employer.  (Added to NRS by 2005, 1523)
NV Rev Stat § 598C.390 (2021)
2021 Nevada Revised Statutes|Chapter 598C - Consumer Reporting|NRS 598C.390 - Companies not required to place security freeze in file of consumer.

The following companies are not required to place a security freeze in the file of a consumer:  1. A check services or fraud prevention services company which issues reports on incidents of fraud or authorizations for the purpose of approving or processing negotiable instruments, electronic funds transfers or similar methods of payments.  2. A deposit account information service company which issues reports regarding account closures because of fraud, substantial overdrafts, abuse of automatic teller machines or similar negative information regarding a consumer to inquiring banks or other financial institutions for use only in reviewing a consumer request for a deposit account at the inquiring bank or financial institution.  3. A reporting agency which acts only as a reseller of credit information by assembling and merging information contained in the database of another reporting agency or in the databases of multiple reporting agencies and which does not maintain a permanent database of consumer credit information from which new consumer reports are produced. Such a reporting agency shall honor any security freeze placed on a consumer report by another reporting agency.  (Added to NRS by 2005, 1523)
NV Rev Stat § 598D.010 (2021)
2021 Nevada Revised Statutes|Chapter 598D - Unfair Lending Practices|NRS 598D.010 - Definitions.

As used in this chapter, unless the context otherwise requires, the words and terms defined in NRS 598D.020 to 598D.050, inclusive, have the meanings ascribed to them in those sections.  (Added to NRS by 2003, 2890)
NV Rev Stat § 598D.020 (2021)
2021 Nevada Revised Statutes|Chapter 598D - Unfair Lending Practices|NRS 598D.020 - "Borrower" defined.

Borrower means a natural person who is a mortgagor, grantor of a deed of trust or other debtor of a home loan.  (Added to NRS by 2003, 2890)
NV Rev Stat § 598D.030 (2021)
2021 Nevada Revised Statutes|Chapter 598D - Unfair Lending Practices|NRS 598D.030 - "Home" defined.

Home means a dwelling or dwellings for not more than four families, the principal use of which is for residential purposes. The term includes, without limitation:  1. A dwelling on a farm.  2. A dwelling unit of a cooperative housing corporation.  3. A mobile home, as defined in NRS 489.120, with the wheels removed and skirting added, when set on a foundation located on land that the owner of the mobile home owns or occupies pursuant to a tenancy with a term of 40 years or more.  (Added to NRS by 2003, 2890)
NV Rev Stat § 598D.040 (2021)
2021 Nevada Revised Statutes|Chapter 598D - Unfair Lending Practices|NRS 598D.040 - "Home loan" defined.

Home loan means a consumer credit transaction that is secured by a mortgage loan which involves real property located within this State and includes, without limitation, a consumer credit transaction that constitutes a mortgage under § 152 of the Home Ownership and Equity Protection Act of 1994, 15 U.S.C. § 1602(aa), and the regulations adopted by the Board of Governors of the Federal Reserve System pursuant thereto, including, without limitation, 12 C.F.R. § 226.32.  (Added to NRS by 2003, 2890; A 2007, 2846)
NV Rev Stat § 598D.050 (2021)
2021 Nevada Revised Statutes|Chapter 598D - Unfair Lending Practices|NRS 598D.050 - "Lender" defined.

Lender means a mortgagee, beneficiary of a deed of trust or other creditor who holds a mortgage, deed of trust or other instrument that encumbers home property as security for the repayment of a home loan.  (Added to NRS by 2003, 2890)
NV Rev Stat § 598D.100 (2021)
2021 Nevada Revised Statutes|Chapter 598D - Unfair Lending Practices|NRS 598D.100 - Unfair lending practices.

  1. It is an unfair lending practice for a lender to:  (a) Require a borrower, as a condition of obtaining or maintaining a home loan secured by home property, to provide property insurance on improvements to home property in an amount that exceeds the reasonable replacement value of the improvements.  (b) Knowingly or intentionally make a home loan, other than a reverse mortgage, to a borrower, including, without limitation, a low-document home loan, no-document home loan or stated-document home loan, without determining, using any commercially reasonable means or mechanism, that the borrower has the ability to repay the home loan.  (c) Finance a prepayment fee or penalty in connection with the refinancing by the original borrower of a home loan owned by the lender or an affiliate of the lender.  (d) Finance, directly or indirectly in connection with a home loan, any credit insurance.  2. As used in this section:  (a) "Credit insurance" has the meaning ascribed to it in NRS 690A.015.  (b) "Low-document home loan" means a home loan:  (1) Whose terms allow a borrower to establish his or her ability to repay the home loan by providing only limited verification of his or her income and other assets; or  (2) Which is evidenced only by a deed transferring some or all of the interest of the borrower in the home property to the creditor.  (c) "No-document home loan" means a home loan whose terms allow a borrower to establish his or her ability to repay the home loan without providing any verification of his or her income and other assets.  (d) "Prepayment fee or penalty" means any fee or penalty imposed by a lender if a borrower repays the balance of a loan or otherwise makes a payment on a loan before the regularly scheduled time for repayment.  (e) "Stated-document home loan" means a home loan whose terms allow a borrower to establish his or her ability to repay the home loan by providing only his or her own statement of verification of his or her income and other assets.  (Added to NRS by 2003, 2890; A 2007, 2846)
NV Rev Stat § 598D.110 (2021)
2021 Nevada Revised Statutes|Chapter 598D - Unfair Lending Practices|NRS 598D.110 - Criminal and civil penalties; borrower’s defense against unpaid obligation.

  1. A lender who willfully engages in an unfair lending practice described in this chapter is guilty of a misdemeanor.  2. If a lender willfully engages in any unfair lending practice described in this chapter in connection with a home loan, the lender is liable to the borrower in an amount equal to the sum of:  (a) Three times the amount of any actual damages sustained by the borrower; and  (b) If the borrower brings an action and is successful in enforcing the liability imposed by paragraph (a) in the action, the costs of bringing the action and reasonable attorney’s fees as determined by the court.  3. The borrower has a defense against the unpaid obligation of the home loan to the extent of any amount awarded by a court pursuant to paragraph (a) of subsection 2, and the court, in addition to any other legal or equitable remedy, may cure any existing default of the home loan and cancel any pending foreclosure sale, trustee’s sale or other sale to enforce the home loan.  (Added to NRS by 2003, 2891)
NV Rev Stat § 598D.120 (2021)
2021 Nevada Revised Statutes|Chapter 598D - Unfair Lending Practices|NRS 598D.120 - Repurchase of home loan by lender who sold home loan.

  1. If an action has been filed in a court of competent jurisdiction claiming an unfair lending practice in connection with a home loan, the lender who holds the home loan may sell the home loan and recover damages and costs as provided in this section if the lender did not:  (a) Originate the home loan; and  (b) Willfully engage in any unfair lending practice described in this chapter in connection with the home loan.  2. The lender described in subsection 1 may require the person from whom the lender purchased the home loan described in subsection 1 to:  (a) Repurchase the home loan for the amount the lender paid for the home loan; and  (b) Pay to the lender all damages and reasonable costs incurred by the lender that are related to:  (1) The purchase of the home loan by the lender from the person;  (2) Any damages awarded in the action described in subsection 1;  (3) Any costs related to the action described in subsection 1;  (4) The repurchase of the home loan by the lender if the lender was required to repurchase the home loan from another lender pursuant to this section; and  (5) The repurchase of the home loan from the lender by the person pursuant to this section.  3. The person described in subsection 2:  (a) Shall repurchase the home loan and pay the damages and costs as described in subsection 2; and  (b) After repurchasing the home loan, may sell the home loan and recover damages and costs as provided in this section if he or she is a lender described in subsection 1.  (Added to NRS by 2003, 2891)
NV Rev Stat § 598D.130 (2021)
2021 Nevada Revised Statutes|Chapter 598D - Unfair Lending Practices|NRS 598D.130 - Required provisions in instrument that secures certain home loans.

If:  1. A mortgage, deed of trust or other instrument encumbers home property as security for repayment of a home loan; and  2. The home loan is subject to the provisions of § 152 of the Home Ownership and Equity Protection Act of 1994, 15 U.S.C. § 1602(aa), and the regulations adopted by the Board of Governors of the Federal Reserve System pursuant thereto, including, without limitation, 12 C.F.R. § 226.32,  the mortgage, deed of trust or other instrument must expressly indicate in writing in a size equal to at least 14-point bold type on the front page of the mortgage, deed of trust or other instrument that the home loan is a home loan as defined in NRS 598D.040 and is subject to the provisions of § 152 of the Home Ownership and Equity Protection Act of 1994, 15 U.S.C. § 1602(aa), and the regulations adopted by the Board of Governors of the Federal Reserve System pursuant thereto, including, without limitation, 12 C.F.R. § 226.32.  (Added to NRS by 2003, 2892; A 2005, 1710; 2009, 1895)
NV Rev Stat § 598D.150 (2021)
2021 Nevada Revised Statutes|Chapter 598D - Unfair Lending Practices|NRS 598D.150 - Enforcement by Attorney General; local regulation prohibited.

  1. The Attorney General has primary jurisdiction to investigate and prosecute violations of this chapter.  2. When acting pursuant to this section, the Attorney General may commence his or her investigation and file a criminal action without leave of court, and he or she has exclusive charge of the conduct of the prosecution.  3. A local government shall not regulate any activity to which the provisions of this chapter apply.  (Added to NRS by 2003, 2892)
NV Rev Stat § 599A.010 (2021)
2021 Nevada Revised Statutes|Chapter 599A - Solicitation to Purchase Land|NRS 599A.010 - Definitions.

As used in this chapter, unless the context otherwise requires, the words and terms defined in NRS 599A.020 and 599A.040 have the meanings ascribed to them in such sections.  (Added to NRS by 1971, 1259)
NV Rev Stat § 599A.020 (2021)
2021 Nevada Revised Statutes|Chapter 599A - Solicitation to Purchase Land|NRS 599A.020 - "Customer" defined.

Customer means any person solicited to purchase any land or interest therein, located in this state or elsewhere.  (Added to NRS by 1971, 1259)
NV Rev Stat § 599A.040 (2021)
2021 Nevada Revised Statutes|Chapter 599A - Solicitation to Purchase Land|NRS 599A.040 - "Solicitation" defined.

Solicitation means any conduct for the procurement of prospective customers or any offer of sale, option or reservation of any land or interest therein located in this state or elsewhere, and includes, but is not limited to, any of the following methods to carry out such purposes:  1. Advertising.  2. Offering gifts or other free benefits.  3. Promoting group meetings.  4. Using slides or movies.  (Added to NRS by 1971, 1259)
NV Rev Stat § 599A.050 (2021)
2021 Nevada Revised Statutes|Chapter 599A - Solicitation to Purchase Land|NRS 599A.050 - Local licensing and regulation; solicitation without license unlawful.

  1. Consistent with the provisions of this chapter, the board of county commissioners of any county and the governing body of an incorporated city may license and regulate any practice connected with the solicitation of customers for land sales.  2. In any county or incorporated city in which the board of county commissioners or governing body has adopted an ordinance requiring the licensing of any person engaged in solicitation, it is unlawful for any person to commit any act of solicitation without first obtaining such license.  (Added to NRS by 1971, 1259)
NV Rev Stat § 599A.053 (2021)
2021 Nevada Revised Statutes|Chapter 599A - Solicitation to Purchase Land|NRS 599A.053 - Application for license to include social security number of applicant. [Effective until the date of the repeal of 42 U.S.C. § 666, the federal law requiring each state to establish procedures for withholding, suspending and restricting the professional, occupational and recreational licenses for child support arrearages and for noncompliance with certain processes relating to paternity or child support proceedings.]

An application for the issuance of a license issued pursuant to NRS 599A.050 must include the social security number of the applicant.  (Added to NRS by 1997, 2103)
NV Rev Stat § 599A.056 (2021)
2021 Nevada Revised Statutes|Chapter 599A - Solicitation to Purchase Land|NRS 599A.056 - Statement regarding payment of child support by applicant for license; grounds for denial of license; duty of board of county commissioners or governing body. [Effective until the date of the repeal of 42 U.S.C. § 666, the federal law requiring each state to establish procedures for withholding, suspending and restricting the professional, occupational and recreational licenses for child support arrearages and for noncompliance with certain processes relating to paternity or child support proceedings.]

  1. An applicant for the issuance or renewal of a license issued pursuant to NRS 599A.050 shall submit to the board of county commissioners or the governing body of the incorporated city issuing the license the statement prescribed by the Division of Welfare and Supportive Services of the Department of Health and Human Services pursuant to NRS 425.520. The statement must be completed and signed by the applicant.  2. The board of county commissioners or the governing body of the incorporated city issuing the license shall include the statement required pursuant to subsection 1 in:  (a) The application or any other forms that must be submitted for the issuance or renewal of the license; or  (b) A separate form prescribed by the board of county commissioners or governing body of the city.  3. A license may not be issued or renewed by a board of county commissioners or the governing body of an incorporated city pursuant to NRS 599A.050 if the applicant:  (a) Fails to submit the statement required pursuant to subsection 1; or  (b) Indicates on the statement submitted pursuant to subsection 1 that he or she is subject to a court order for the support of a child and is not in compliance with the order or a plan approved by the district attorney or other public agency enforcing the order for the repayment of the amount owed pursuant to the order.  4. If an applicant indicates on the statement submitted pursuant to subsection 1 that he or she is subject to a court order for the support of a child and is not in compliance with the order or a plan approved by the district attorney or other public agency enforcing the order for the repayment of the amount owed pursuant to the order, the board of county commissioners or governing body of the incorporated city shall advise the applicant to contact the district attorney or other public agency enforcing the order to determine the actions that the applicant may take to satisfy the arrearage.  (Added to NRS by 1997, 2102)
NV Rev Stat § 599A.059 (2021)
2021 Nevada Revised Statutes|Chapter 599A - Solicitation to Purchase Land|NRS 599A.059 - Suspension of license for failure to pay child support or comply with certain subpoenas or warrants; reinstatement of license. [Effective until the date of the repeal of 42 U.S.C. § 666, the federal law requiring each state to establish procedures for withholding, suspending and restricting the professional, occupational and recreational licenses for child support arrearages and for noncompliance with certain processes relating to paternity or child support proceedings.]

  1. If a board of county commissioners or the governing body of an incorporated city receives a copy of a court order issued pursuant to NRS 425.540 that provides for the suspension of all professional, occupational and recreational licenses, certificates and permits issued to a person who is the holder of a license issued by that governmental body pursuant to NRS 599A.050, the governmental body that issued the license shall deem the license issued to that person to be suspended at the end of the 30th day after the date on which the court order was issued unless the governmental body receives a letter issued to the holder of the license by the district attorney or other public agency pursuant to NRS 425.550 stating that the holder of the license has complied with the subpoena or warrant or has satisfied the arrearage pursuant to NRS 425.560.  2. A board of county commissioners or the governing body of an incorporated city shall reinstate a license issued pursuant to NRS 599A.050 that has been suspended by a district court pursuant to NRS 425.540 if the governmental body receives a letter issued by the district attorney or other public agency pursuant to NRS 425.550 to the person whose license was suspended stating that the person whose license was suspended has complied with the subpoena or warrant or has satisfied the arrearage pursuant to NRS 425.560.  (Added to NRS by 1997, 2102)
NV Rev Stat § 599A.060 (2021)
2021 Nevada Revised Statutes|Chapter 599A - Solicitation to Purchase Land|NRS 599A.060 - Unfair practices unlawful; penalties.

  1. In the solicitation of any customer, it is an unfair practice for any person to commit any of the following acts:  (a) To misrepresent any material fact.  (b) To conceal any material fact.  (c) To make any false or deceptive statement.  (d) To fail to disclose any conditions or obligations connected with any gift or other free benefit offered to such customer.  (e) To contact anyone for the purpose of soliciting such person to attend a land sales presentation without first disclosing such purpose.  2. Any person committing any such unfair practice is guilty of a misdemeanor.  3. In addition to the penalty provided in subsection 2, the board of county commissioners or governing body of an incorporated city may, by ordinance, prohibit, and provide a penalty for, the commission of any unfair trade practice.  (Added to NRS by 1971, 1259)
NV Rev Stat § 599A.070 (2021)
2021 Nevada Revised Statutes|Chapter 599A - Solicitation to Purchase Land|NRS 599A.070 - Penalties cumulative.

The penalties provided in this chapter shall be cumulative with respect to any other provision of law.  (Added to NRS by 1971, 1260)
NV Rev Stat § 599B.005 (2021)
2021 Nevada Revised Statutes|Chapter 599B - Solicitation by Telephone|NRS 599B.005 - Legislative findings and declarations.

  1. The Legislature finds and declares that:  (a) The sale of goods or services or the solicitation of donations by telephone has a significant impact upon the economy and well-being of this state and its local communities.  (b) Many legitimate solicitors by telephone merit certain protections pursuant to the laws of this state.  (c) Certain unscrupulous practices by persons soliciting donations or the sale of goods or services by telephone are contrary to good business practices and have caused consumers to suffer substantial losses because of misrepresentation, the lack of complete information relating to goods, services and the persons initiating or causing the solicitation by telephone, and the lack of delivery of the goods and services purchased.  2. It is the intent of the Legislature to:  (a) Provide each consumer with information necessary to make an intelligent decision relating to donations or offers of sale;  (b) Educate and assist the public to distinguish between honest and dishonest practices of solicitation by telephone;  (c) Safeguard the public against deceptive practices and financial hardship;  (d) Prohibit representations that tend to be misleading;  (e) Ensure, foster and encourage competition and fair dealings among sellers by requiring sellers to disclose certain information adequately; and  (f) Protect the integrity of the industry relating to solicitation by telephone.  3. As the provisions of this chapter are necessary to protect the public welfare, it is also the intent of the Legislature that the provisions of this chapter be liberally construed to effectuate its purposes.  (Added to NRS by 1993, 2095; A 1995, 931)
NV Rev Stat § 599B.015 (2021)
2021 Nevada Revised Statutes|Chapter 599B - Solicitation by Telephone|NRS 599B.015 - Duties of Attorney General and Commissioner. [Effective July 1, 2021.]

  1. The Attorney General shall provide opinions for the Division on all questions of law relating to the construction, interpretation or administration of this chapter.  2. The Commissioner shall determine whether a person is required to register pursuant to the provisions of this chapter. In making that determination, the Commissioner shall consider the definitions, intent, findings and declarations set forth in this chapter.  (Added to NRS by 1993, 2096; A 1997, 2018; 2001, 361; R temp. 2009, 2732; R temp. 2011, 2652; R temp. 2013, 1054; R temp. 2015, 3653; R temp. 2017, 2254; R temp. 2019, 2501, expires by limitation on June 30, 2021)