reglab/housing_qa huggingface dataset:
AK Stat § 06.55.601 (2021)
2021 Alaska Statutes|Title 6. Banks and Financial Institutions|Chapter 55. Alaska Uniform Money Services Act|Article 6. Enforcement.|Sec. 06.55.601. Suspension and revocation; receivership.

(a) The department may suspend or revoke a money services license, place a money services licensee in receivership, or order a money services licensee to revoke the designation of an authorized delegate if (1) the money services licensee violates this chapter or a regulation adopted or an order issued under this chapter; (2) the money services licensee does not cooperate with an examination or investigation by the department; (3) the money services licensee engages in fraud, intentional misrepresentation, or gross negligence; (4) an authorized delegate is convicted of a violation of a state or federal anti-money laundering statute, or violates a regulation adopted or an order issued under this chapter, as a result of the money services licensee's wilful misconduct or wilful blindness; (5) the competence, experience, character, or general fitness of the money services licensee, authorized delegate, person in control of a money services licensee, or responsible person of the money services licensee or authorized delegate indicates that it is not in the public interest to permit the person to provide money services; (6) the money services licensee engages in an unsafe or unsound practice; (7) the money services licensee is insolvent, suspends payment of its obligations, or makes a general assignment for the benefit of its creditors; or (8) the money services licensee does not remove an authorized delegate after the department issues and serves upon the money services licensee a final order including a finding that the authorized delegate has violated this chapter. (b) In determining whether a money services licensee is engaging in an unsafe or unsound practice, the department may consider the size and condition of the money services licensee's money transmission, the magnitude of the loss, the gravity of the violation of this chapter, and the previous conduct of the person involved.
AK Stat § 06.55.602 (2021)
2021 Alaska Statutes|Title 6. Banks and Financial Institutions|Chapter 55. Alaska Uniform Money Services Act|Article 6. Enforcement.|Sec. 06.55.602. Suspension and revocation of authorized delegates.

(a) The department may issue an order suspending or revoking the designation of an authorized delegate if the department finds that (1) the authorized delegate violated this chapter or a regulation adopted or an order issued under this chapter; (2) the authorized delegate did not cooperate with an examination or investigation by the department; (3) the authorized delegate engaged in fraud, intentional misrepresentation, or gross negligence; (4) the authorized delegate is convicted of a violation of a state or federal anti-money laundering statute; (5) the competence, experience, character, or general fitness of the authorized delegate or a person in control of the authorized delegate indicates that it is not in the public interest to permit the authorized delegate to provide money services; or (6) the authorized delegate is engaging in an unsafe or unsound practice. (b) In determining whether an authorized delegate is engaging in an unsafe or unsound practice, the department may consider the size and condition of the authorized delegate's provision of money services, the magnitude of the loss, the gravity of the violation of this chapter or a regulation adopted or order issued under this chapter, and the previous conduct of the authorized delegate.
AK Stat § 06.55.603 (2021)
2021 Alaska Statutes|Title 6. Banks and Financial Institutions|Chapter 55. Alaska Uniform Money Services Act|Article 6. Enforcement.|Sec. 06.55.603. Orders to cease and desist.

(a) If the department determines that a violation of this chapter or of a regulation adopted or an order issued under this chapter by a money services licensee or authorized delegate is likely to cause immediate and irreparable harm to the money services licensee, its customers, or the public as a result of the violation, or cause insolvency or significant dissipation of assets of the money services licensee, the department may issue an order requiring the money services licensee or authorized delegate to cease and desist from the violation. The order becomes effective on service of it on the money services licensee or authorized delegate. (b) The department may issue an order against a money services licensee to cease and desist from providing money services through an authorized delegate who is the subject of a separate order by the department. (c) An order to cease and desist remains effective and enforceable pending the completion of an administrative proceeding under AS 06.55.601 or 06.55.602. (d) A money services licensee or an authorized delegate who is served with an order to cease and desist may petition the superior court for a judicial order setting aside, limiting, or suspending the enforcement, operation, or effectiveness of the order pending the completion of an administrative proceeding under AS 06.55.601 or 06.55.602. (e) An order to cease and desist expires unless the department commences an administrative proceeding under AS 06.55.601 or 06.55.602 within 10 days after it is issued.
AK Stat § 06.55.604 (2021)
2021 Alaska Statutes|Title 6. Banks and Financial Institutions|Chapter 55. Alaska Uniform Money Services Act|Article 6. Enforcement.|Sec. 06.55.604. Consent orders.

The department may enter into a consent order at any time with a person to resolve a matter arising under this chapter or a regulation adopted or order issued under this chapter. A consent order shall be signed by the person to whom it is issued or by the person's authorized representative and must indicate agreement with the terms contained in the order. A consent order may provide that it does not constitute an admission by a person that this chapter or a regulation adopted or an order issued under this chapter has been violated.
AK Stat § 06.55.605 (2021)
2021 Alaska Statutes|Title 6. Banks and Financial Institutions|Chapter 55. Alaska Uniform Money Services Act|Article 6. Enforcement.|Sec. 06.55.605. Civil penalties.

The department may assess a civil penalty against a person who violates this chapter or a regulation adopted or an order issued under this chapter in an amount not to exceed $1,000 each day for each day the violation is outstanding.
AK Stat § 06.55.606 (2021)
2021 Alaska Statutes|Title 6. Banks and Financial Institutions|Chapter 55. Alaska Uniform Money Services Act|Article 6. Enforcement.|Sec. 06.55.606. Criminal penalties.

(a) A person who intentionally makes a false statement, misrepresentation, or false certification in a record filed or required to be maintained under this chapter or who intentionally makes a false entry or omits a material entry in a record filed or required to be maintained under this chapter is guilty of a class C felony. (b) A person who knowingly engages in an activity for which a money services license is required under this chapter without being licensed as a money services licensee and who receives more than $500 in compensation within a 30-day period from this activity is guilty of a class C felony. (c) A person who knowingly engages in an activity for which a money services license is required under this chapter without being licensed as a money services licensee and who receives no more than $500 in compensation within a 30-day period from this activity is guilty of a class A misdemeanor.
AK Stat § 06.55.607 (2021)
2021 Alaska Statutes|Title 6. Banks and Financial Institutions|Chapter 55. Alaska Uniform Money Services Act|Article 6. Enforcement.|Sec. 06.55.607. Unlicensed persons.

(a) If the department has reason to believe that a person has violated or is violating AS 06.55.101 or 06.55.201, the department may issue an order to show cause why an order to cease and desist should not issue requiring that the person cease and desist from the violation of AS 06.55.101 or 06.55.201. (b) In an emergency, the department may petition the superior court for the issuance of a temporary restraining order. (c) An order to cease and desist becomes effective upon service of it upon the person. (d) An order to cease and desist remains effective and enforceable pending the completion of an administrative proceeding under AS 06.55.701 and 06.55.702. (e) A person who is served with an order to cease and desist for violating AS 06.55.101 or 06.55.201 may petition the superior court for a judicial order setting aside, limiting, or suspending the enforcement, operation, or effectiveness of the order pending the completion of an administrative proceeding under AS 06.55.701 and 06.55.702. (f) An order to cease and desist expires unless the department commences an administrative proceeding within 10 days after it is issued.
AK Stat § 06.55.701 (2021)
2021 Alaska Statutes|Title 6. Banks and Financial Institutions|Chapter 55. Alaska Uniform Money Services Act|Article 7. Administrative Procedures.|Sec. 06.55.701. Administrative proceedings.

All administrative proceedings under this chapter shall be conducted under AS 44.62 (Administrative Procedure Act), except that hearings shall be conducted by the office of administrative hearings (AS 44.64.010).
AK Stat § 06.55.702 (2021)
2021 Alaska Statutes|Title 6. Banks and Financial Institutions|Chapter 55. Alaska Uniform Money Services Act|Article 7. Administrative Procedures.|Sec. 06.55.702. Hearings.

(a) Except as otherwise provided in AS 06.55.603 and 06.55.607 and in (b) of this section, the department may not suspend or revoke a money services license, place a money services licensee in receivership, issue an order to cease and desist, suspend or revoke the designation of an authorized delegate, or assess a civil penalty without notice and an opportunity to be heard. The department shall also hold a hearing when requested to hold a hearing by an applicant whose application for a money services license is denied. (b) Under AS 06.55.106(c) and 06.55.204(c), the department may suspend a money services license without a hearing unless the money services licensee requests a hearing.
AK Stat § 06.55.703 (2021)
2021 Alaska Statutes|Title 6. Banks and Financial Institutions|Chapter 55. Alaska Uniform Money Services Act|Article 7. Administrative Procedures.|Sec. 06.55.703. Investigative powers.

(a) In its investigations under this chapter, the department may administer oaths or affirmations and, on its own motion or on the request of a party to a proceeding, may subpoena witnesses, compel the attendance of witnesses, take evidence, and require the production of material that is relevant to the investigation, including the existence, description, nature, custody, condition, and location of books, documents, and other tangible items, and the identity and location of persons having knowledge of relevant facts or other material reasonably calculated to lead to the discovery of admissible evidence. (b) If a person fails without a lawful excuse to obey a subpoena, and after reasonable notice to all persons affected by the failure, the department may apply to the superior court for an order compelling the person to obey the subpoena.
AK Stat § 06.55.801 (2021)
2021 Alaska Statutes|Title 6. Banks and Financial Institutions|Chapter 55. Alaska Uniform Money Services Act|Article 8. Miscellaneous Provisions.|Sec. 06.55.801. Uniformity of application and construction.

In applying and construing this chapter, consideration shall be given to the need to promote uniformity of the law with respect to its subject matter among states that enact it.
AK Stat § 06.55.802 (2021)
2021 Alaska Statutes|Title 6. Banks and Financial Institutions|Chapter 55. Alaska Uniform Money Services Act|Article 8. Miscellaneous Provisions.|Sec. 06.55.802. Exclusions.

This chapter does not apply to (1) the United States or a department, an agency, or an instrumentality of the United States; (2) money transmission by the United States Postal Service or by a contractor on behalf of the United States Postal Service; (3) a state, a municipality, a county, or another governmental agency or governmental subdivision of a state; (4) a bank, a bank holding company, an office of an international banking corporation, a branch of a foreign bank, a corporation organized under 12 U.S.C. 1861 - 1867 (Bank Service Company Act), or a corporation organized under 12 U.S.C. 611 - 633 (Edge Act) under the laws of a state or the United States, if it does not issue, sell, or provide payment instruments or stored value through an authorized delegate who is not a bank, a bank holding company, an office of an international banking corporation, a branch of a foreign bank, a corporation organized under 12 U.S.C. 1861 - 1867 (Bank Service Company Act), or a corporation organized under 12 U.S.C. 611 - 633 (Edge Act) under the laws of a state or the United States; (5) electronic funds transfer of governmental benefits for a federal, state, or municipal agency or a state political subdivision by a contractor on behalf of (A) the United States or a department, an agency, or an instrumentality of the United States; or (B) a state, or a department, an agency, or an instrumentality of a state; (6) a board of trade or a person who, in the ordinary course of business, provides clearance and settlement services for a board of trade, to the extent of the operation of the person for a board of trade; in this paragraph, “board of trade” means a board of trade designated as a contract market under 7 U.S.C. 1 - 27f (Commodity Exchange Act); (7) a registered futures commission merchant under the federal commodities laws, to the extent of the merchant's operation as a registered futures commission merchant under the federal commodities laws; (8) a person who provides clearance or settlement services under a registration as a clearing agency or an exemption from the registration granted under the federal securities laws, to the extent of the person's operation as a provider of clearance or settlement services under a registration as a clearing agency or an exemption from the registration granted under the federal securities laws; (9) an operator of a payment system to the extent that the operator provides processing, clearing, or settlement services, between or among persons excluded by this section, in connection with wire transfers, credit card transactions, debit card transactions, stored-value transactions, automated clearinghouse transfers, or similar funds transfers; or (10) a person registered as a securities broker-dealer under federal or state securities laws, to the extent of the person's operation as a securities broker-dealer under federal or state securities laws.
AK Stat § 06.55.810 (2021)
2021 Alaska Statutes|Title 6. Banks and Financial Institutions|Chapter 55. Alaska Uniform Money Services Act|Article 8. Miscellaneous Provisions.|Sec. 06.55.810. Notices required.

(a) A money services licensee shall display a sign at each location where the money services licensee (1) provides money services under this chapter; and (2) has not designated an authorized delegate to provide money services on behalf of the money services licensee at the location. (b) An authorized delegate shall display a sign at each location where the authorized delegate provides money services under this chapter. (c) The sign required by (a) or (b) of this section shall be displayed at all times in full view of persons visiting the location and shall give the department's address and the department's telephone number for receiving calls regarding complaints and other concerns about money services licensees, authorized delegates, and the money services provided by money services licensees and authorized delegates.
AK Stat § 06.55.820 (2021)
2021 Alaska Statutes|Title 6. Banks and Financial Institutions|Chapter 55. Alaska Uniform Money Services Act|Article 8. Miscellaneous Provisions.|Sec. 06.55.820. Transmission.

Within 10 business days after receiving the money or equivalent value for money transmission, unless otherwise ordered by the customer or unless the money transmission licensee has reason to believe a crime has occurred, is occurring, or may occur as a result of the money transmission, a money transmission licensee shall (1) transmit after the deduction of fees the monetary equivalent of all money or equivalent value received for the money transmission; or (2) issue instructions making the money or its monetary equivalent available to the person designated by the customer.
AK Stat § 06.55.830 (2021)
2021 Alaska Statutes|Title 6. Banks and Financial Institutions|Chapter 55. Alaska Uniform Money Services Act|Article 8. Miscellaneous Provisions.|Sec. 06.55.830. Receipt.

(a) A money transmission licensee who receives money or equivalent value for a money transmission shall provide a receipt to the customer that clearly states the amount of the money or the equivalent value presented by the customer for the money transmission and the total fees charged by the money transmission licensee. (b) If a money transmission licensee fixes, when the money transmission is initiated, the rate of exchange for a money transmission to be paid in the currency of another government, the receipt provided by (a) of this section must disclose the rate of exchange for the transaction and any limit on the length of time that the payment will be made at that fixed rate of exchange. (c) If a money transmission licensee does not fix the rate of exchange for a money transmission to be paid in the currency of another government, the receipt provided under (a) of this section must disclose that the rate of exchange for the money transmission will be set when the person designated by the customer to receive the money takes possession of the money.
AK Stat § 06.55.840 (2021)
2021 Alaska Statutes|Title 6. Banks and Financial Institutions|Chapter 55. Alaska Uniform Money Services Act|Article 8. Miscellaneous Provisions.|Sec. 06.55.840. Refunds.

Within 10 days after receiving a written request for a refund, a money transmission licensee shall refund to a customer money equal to the money or equivalent value received from the customer for a money transmission, unless (1) before receiving the written request (A) the money has been transmitted to the person designated by the customer to receive the money transmission and the person has taken possession of the money; in this section, “transmitted” means made available to the person designated by the customer to receive the money, whether or not the person designated by the customer has taken possession of the money; or (B) instructions have been given making a monetary equivalent available to the person designated by the customer to receive the money transmission; (2) the money transmission licensee has reason to believe that a crime has occurred, is occurring, or may occur as a result of transmitting or refunding the money as requested by the customer; or (3) the money transmission licensee is otherwise prohibited by law from making a refund.
AK Stat § 06.55.850 (2021)
2021 Alaska Statutes|Title 6. Banks and Financial Institutions|Chapter 55. Alaska Uniform Money Services Act|Article 8. Miscellaneous Provisions.|Sec. 06.55.850. Establishment of fees and other charges.

(a) The department shall adopt regulations that establish the amount and manner of payment of fees required under this chapter. (b) The department shall establish fee levels under (a) of this section so that the total amount of fees collected for both money transmission licenses and currency exchange licenses under this chapter approximately equals the department's actual total regulatory costs for both money transmission licenses and currency exchange licenses. The department shall set the fee levels so that the fee levels for both money transmission licenses and currency exchange licenses are the same. (c) The department shall annually review each fee level to determine whether the regulatory costs are approximately equal to fee collections. If the review indicates that fee collections and regulatory costs are not approximately equal, the department shall calculate fee adjustments and adopt regulations under (a) of this section to implement the adjustments. (d) In January of each year, the department shall report to the office of management and budget all fee levels and revisions made for the previous year under this section. (e) In this section, (1) “fee” means an application fee, a money services license fee, a first-year operation fee under AS 06.55.103(a)(2)(C), a renewal fee, the daily late fee for not submitting a renewal report and paying the renewal fee under AS 06.55.106, investigation costs under AS 06.55.105 and 06.55.203, an examination cost under AS 06.55.401, and a fee for approving a change of control under AS 06.55.404; (2) “regulatory costs” means the costs of the department that are attributable to regulation of money services licensing under this chapter.
AK Stat § 06.55.890 (2021)
2021 Alaska Statutes|Title 6. Banks and Financial Institutions|Chapter 55. Alaska Uniform Money Services Act|Article 8. Miscellaneous Provisions.|Sec. 06.55.890. Definitions.

In AS 06.55.820 - 06.55.840, (1) “fees” does not include revenue that a money services licensee generates from a money transmission when converting the currency of one government into the currency of another government; (2) “monetary equivalent” means, for money transmissions that will be redeemed in a currency other than the currency that the customer uses to purchase the money transmission, the amount of money in the currency of the government that the recipient of the money transmission is to receive, as converted at the retail exchange rate offered by the money transmission licensee to the customer for the money transmission; (3) “money transmission licensee” means a person who holds a money services license and a person who is an authorized delegate.
AK Stat § 06.55.995 (2021)
2021 Alaska Statutes|Title 6. Banks and Financial Institutions|Chapter 55. Alaska Uniform Money Services Act|Article 9. General Provisions.|Sec. 06.55.995. Short title.

This chapter may be cited as the Alaska Uniform Money Services Act.
AK Stat § 06.60.010 (2021)
2021 Alaska Statutes|Title 6. Banks and Financial Institutions|Chapter 60. Mortgage Licensing|Article 1. Licensing.|Sec. 06.60.010. Mortgage lender or mortgage broker license required.

(a) Unless exempt under AS 06.60.015, a person may not operate in the state as a mortgage lender or mortgage broker with respect to a dwelling located in the state unless the person is licensed as a mortgage lender or mortgage broker under this chapter. (b) A mortgage lender or mortgage broker required to be licensed under this chapter shall register with the registry and maintain a valid unique identifier issued by the registry. (c) A mortgage license may cover more than one location of a mortgage licensee. (d) A person who operates as both a mortgage lender and a mortgage broker is only required to obtain one mortgage license.
AK Stat § 06.60.012 (2021)
2021 Alaska Statutes|Title 6. Banks and Financial Institutions|Chapter 60. Mortgage Licensing|Article 1. Licensing.|Sec. 06.60.012. Mortgage loan originator license required.

(a) Unless exempt under AS 06.60.015, an individual may not operate in the state as a mortgage loan originator with respect to a dwelling located in the state unless the individual is licensed as a mortgage loan originator under this chapter. (b) An individual required to be licensed as a mortgage loan originator shall (1) register with the registry and maintain a valid unique identifier issued by the registry; (2) work under (A) an exclusive contract for, or as an employee of, a mortgage licensee; or (B) an exclusive contract for a registered depository institution; and (3) be sponsored in the registry by a mortgage licensee under a sponsorship approved in the registry by the department or be sponsored by a registered depository institution under AS 06.60.014; in this paragraph, “sponsored” means authorized to conduct business as a mortgage loan originator under the supervision of a mortgage licensee or a registered depository institution.