reglab/housing_qa huggingface dataset:
DC Code § 28-3310 (2021)
2021 District of Columbia Code|Title 28 - Commercial Instruments and Transactions. [Enacted title]|Chapter 33 - Interest and Usury|§ 28-3310. Consumer protections

(a)(1) A lender who receives scheduled periodic payments on more than 5 loans or financial transactions in a calendar year shall furnish to the borrower, upon request, but not more than 2 times a year, a statement, in writing stating the amount of: (A) payments credited to reducing the principal; (B) payments credited to interest; (C) the remaining unpaid principal balance; (2) A lender who receives scheduled periodic payments on more than 5 loans or financial transactions in a calendar year shall furnish to the borrower, at least 6 months and not more than 12 months prior to maturity of the loan or financial transaction, or, if the loan or financial transaction is for a period of less than 1 year, halfway through the loan period, a statement, in writing, stating the following: (A) in the case of a loan or financial transaction which contains a schedule of payments under which each payment is not equal to, or substantially equal to, the other payments or if the intervals between payments are not substantially equal, the date or event upon which maturity occurs, and the projected principal loan balance that will be due at maturity of the loan or financial transaction; and (B) in the case of a loan or financial transaction where the interest rate is not fixed for the term of the loan, the projected principal loan balance that will be due at maturity, assuming no change in the interest rate, and the conditions under which the interest rate may change and what limits or restrictions, if any, apply to changes in the interest rate. (b) No delinquent or late charge shall be contracted for or received which does not meet all of the following requirements: (1) the delinquency shall have continued for at least 10 calendar days; (2) a delinquent or late charge shall not have already been charged for the same delinquent or late periodic installment; and (3) the delinquent or late charge shall not exceed 5% of the total amount of the delinquent or late periodic installment of principal and interest.  (Mar. 14, 1984, D.C. Law 5-62, § 4, 31 DCR 114.)  Prior Codifications 1981 Ed., § 28-3310. Section References This section is referenced in § 28-3301.
DC Code § 28-3312 (2021)
2021 District of Columbia Code|Title 28 - Commercial Instruments and Transactions. [Enacted title]|Chapter 33 - Interest and Usury|§ 28-3312. Unlawful practices

It shall be a violation of this chapter for any lender to: (1) misrepresent as to a material fact; (2) fail to state a material fact; (3) disparage the services or business of another by false or misleading representations of material facts; (4) advertise or offer services without the intent to provide them or without the intent to provide them as advertised or offered; (5) include in the loan or financial transaction agreement an acceleration clause under which any part or all of the unpaid balance of the loan or financial transaction not yet matured may be declared due and payable for any reason other than due to default by the borrower in the payment or in accordance with another term of the agreement; or (6) include in the loan or financial transaction agreement any provision by which the borrower waives any right accruing to him under the provisions of this chapter.  (Mar. 14, 1984, D.C. Law 5-62, § 4, 31 DCR 114; Apr. 9, 1997, D.C. Law 11-255, § 27(g), 44 DCR 1271.)  Prior Codifications 1981 Ed., § 28-3312. Section References This section is referenced in § 28-3301.
DC Code § 28-3313 (2021)
2021 District of Columbia Code|Title 28 - Commercial Instruments and Transactions. [Enacted title]|Chapter 33 - Interest and Usury|§ 28-3313. Penalties

Any lender who wilfully violates any provision of this chapter shall, upon conviction thereof, be fined not more than the amount set forth in [§ 22-3571.01] or imprisoned for not more than 1 year, or both.  (Mar. 14, 1984, D.C. Law 5-62, § 4, 31 DCR 114; June 11, 2013, D.C. Law 19-317, § 285(b), 60 DCR 2064.)  Prior Codifications 1981 Ed., § 28-3313. Section References This section is referenced in § 28-3301. Effect of Amendments The 2013 amendment by D.C. Law 19-317 substituted “not more than the amount set forth in [§ 22-3571.01]” for “not more than $1,000”. Emergency Legislation For temporary (90 days) amendment of this section, see § 285(b) of the Criminal Fine Proportionality Emergency Act of 2013 (D.C. Act 20-45, April 1, 2013, 60 DCR 5400, 20 DCSTAT 1300). Editor's Notes Applicability of D.C. Law 19-317: Section 401 of D.C. Law 19-317 provided that the act shall apply only to offenses committed on or after June 11, 2013.
DC Code § 28-3314 (2021)
2021 District of Columbia Code|Title 28 - Commercial Instruments and Transactions. [Enacted title]|Chapter 33 - Interest and Usury|§ 28-3314. Right of action

Any borrower who suffers a violation of any provision of this chapter by any lender may bring an action in the Superior Court of the District of Columbia to recover, or obtain, or enforce any of the following: (1) reasonable attorney’s fees; (2) actual and punitive damages; or (3) any other relief which the court deems proper.  (Mar. 14, 1984, D.C. Law 5-62, § 4, 31 DCR 114; Apr. 9, 1997, D.C. Law 11-255, § 27(h), 44 DCR 1271.)  Prior Codifications 1981 Ed., § 28-3314. Section References This section is referenced in § 28-3301.
DC Code § 28-3315 (2021)
2021 District of Columbia Code|Title 28 - Commercial Instruments and Transactions. [Enacted title]|Chapter 33 - Interest and Usury|§ 28-3315. Exemption of institutions of higher learning from usury law

Any institution of higher education located in the District of Columbia and described in the first sentence of section 101(a) of the Higher Education Amendments, approved October 7, 1998 (112 Stat. 1385; 20 U.S.C. § 1001(a) ) (other than District of Columbia Teachers’ College, Federal City College, Gallaudet College, and Howard University) may borrow money at such rates of interest as the institution may determine, without regard to the restrictions of any usury law applicable in the District of Columbia, and shall not plead any statutes against usury in any action.  (July 2, 2011, D.C. Law 18-378, § 3(i)(3), 58 DCR 1720.)  Prior Codifications 2001 Ed., § 29-631. 1981 Ed., § 29-820. 1973 Ed., § 29-421.
DC Code § 28-3501 (2021)
2021 District of Columbia Code|Title 28 - Commercial Instruments and Transactions. [Enacted title]|Chapter 35 - Statute of Frauds|§ 28-3501. Estate created otherwise than by deed

An estate, attempted to be created for a greater term than one year in real estate, other than by deed, is an estate by sufferance.  (Aug. 30, 1964, 78 Stat. 676, Pub. L. 88-509, § 1.)  Prior Codifications 1981 Ed., § 28-3501. 1973 Ed., § 28-3501. Cross References Estates in land, written instruments, requirements, see §§ 42-306 and 42-522.
DC Code § 28-3502 (2021)
2021 District of Columbia Code|Title 28 - Commercial Instruments and Transactions. [Enacted title]|Chapter 35 - Statute of Frauds|§ 28-3502. Special promise to answer for debt or default of another

An action may not be brought to charge an executor or administrator upon a special promise to answer damages out of his own estate, or to charge the defendant upon a special promise to answer for the debt, default, or miscarriage of another person, or to charge a person upon an agreement made upon consideration of marriage, or upon a contract or sale of real estate, of any interest in or concerning it, or upon an agreement that is not to be performed within one year from the making thereof, unless the agreement upon which the action is brought, or a memorandum or note thereof, is in writing, which need not state the consideration and signed by the party to be charged therewith or a person authorized by him.  (Aug. 30, 1964, 78 Stat. 676, Pub. L. 88-509, § 1.)  Prior Codifications 1981 Ed., § 28-3502. 1973 Ed., § 28-3502.
DC Code § 28-3503 (2021)
2021 District of Columbia Code|Title 28 - Commercial Instruments and Transactions. [Enacted title]|Chapter 35 - Statute of Frauds|§ 28-3503. Declaration, grant, and assignment of trust

A declaration or creation of trust or confidence of real estate which is not in writing, signed by the party who is by law enabled to declare the trust or by his last will in writing, is void. A grant or assignment of a trust or confidence which is not in writing, signed by the party granting or assigning it, or by his last will, is void. Where a conveyance is made of real estate by which a trust or confidence is or may arise or result by the implication or construction of law, or is transferred or extinguished by an act or operation of law, the trust or confidence is of the same effect as it would have been if this section had not been enacted.  (Aug. 30, 1964, 78 Stat. 676, Pub. L. 88-509, § 1.)  Prior Codifications 1981 Ed., § 28-3503. 1973 Ed., § 28-3503. Cross References Estates, conveyances, see § 42-301 et seq. Estates in land, see § 42-501 et seq. Mortgages and deeds of trust, see § 42-801 et seq.
DC Code § 28-3504 (2021)
2021 District of Columbia Code|Title 28 - Commercial Instruments and Transactions. [Enacted title]|Chapter 35 - Statute of Frauds|§ 28-3504. New promise or acknowledgment of contract — Action against joint contractors

In an action upon a simple contract, an acknowledgement, or promise, by words only is not sufficient evidence of a new or continuing contract whereby to take the case out of the operation of the statute of limitations or to deprive a party of the benefit thereof unless the acknowledgement, or promise, is in writing, signed by the party chargeable thereby. This section does not alter or take away, or lessen the effect of a payment of principal or interest made by any person. In actions against two or more joint contractors, or executors, or administrators, if it appears at the trial, or otherwise, that the plaintiff, though barred by the statute of limitations as to one or more of the defendants, is nevertheless entitled to recover against any other defendant by virtue of a new acknowledgment, or promise, or otherwise, judgment may be given for the plaintiff as to that defendant. An indorsement or memorandum of a payment written or made upon a promissory note, bill of exchange, or other writing, by or on behalf of the party to whom the payment is to be made, is not sufficient proof of the payment so as to take the case out of the operation of the statute of limitations.  (Aug. 30, 1964, 78 Stat. 677, Pub. L. 88-509, § 1; Apr. 9, 1997, D.C. Law 11-255, § 27(i), 44 DCR 1271.)  Prior Codifications 1981 Ed., § 28-3504. 1973 Ed., § 28-3504. Cross References States of limitations, see § 12-301 et seq.
DC Code § 28-3505 (2021)
2021 District of Columbia Code|Title 28 - Commercial Instruments and Transactions. [Enacted title]|Chapter 35 - Statute of Frauds|§ 28-3505. New promise or acknowledgement of debt incurred during infancy

An action may not be maintained to charge a person upon an acknowledgment of, or promise to pay, a debt contracted during infancy, made after full age, except for necessaries, unless the acknowledgement or promise is in writing signed by the party to be charged therewith. This section does not affect ratification by conduct.  (Aug. 30, 1964, 78 Stat. 677, Pub. L. 88-509, § 1.)  Prior Codifications 1981 Ed., § 28-3505. 1973 Ed., § 28-3505. Cross References Age of majority, contracts, see § 28:1-103.
DC Code § 28-3601 (2021)
2021 District of Columbia Code|Title 28 - Commercial Instruments and Transactions. [Enacted title]|Chapter 36 - Direct Motor Vehicle Installment Loans|§ 28-3601. Direct motor vehicle installment loans

The provisions of the Act approved April 22, 1960 (Public Law 86-431, 74 Stat. 69; D.C. Code, 1967 Ed., Chapter 9 of Title 40, [Chapter 6 of Title 50, 2001 Ed.]), covering installment sales of motor vehicles, as amended, and the regulations issued thereunder, shall apply to the extent appropriate to, a direct installment loan, secured by a security interest in a motor vehicle, made by a federally insured bank or savings and loan association doing business in the District of Columbia, subject to section 28-3602 .  (Dec. 17, 1971, 85 Stat. 666, Pub. L. 92-200, § 4.)  Prior Codifications 1981 Ed., § 28-3601. 1973 Ed., § 28-3601. Cross References Automobile Consumer Protection Act, see § 50-501.
DC Code § 28-3602 (2021)
2021 District of Columbia Code|Title 28 - Commercial Instruments and Transactions. [Enacted title]|Chapter 36 - Direct Motor Vehicle Installment Loans|§ 28-3602. Finance charge

Such a bank or savings and loan association may contract for and receive interest at the rate provided for in Chapter 33 of this subtitle, or, in lieu of such interest, a finance charge which, if expressed as an annual percentage rate, does not exceed a rate of 21% per annum on the unpaid balances of principal.  (Dec. 17, 1971, 85 Stat. 667, Pub. L. 92-200, § 4; Mar. 10, 1982, D.C. Law 4-70, § 4, 28 DCR 5236.)  Prior Codifications 1981 Ed., § 28-3602. 1973 Ed., § 28-3602. Section References This section is referenced in § 28-3601.
DC Code § 28-3603 (2021)
2021 District of Columbia Code|Title 28 - Commercial Instruments and Transactions. [Enacted title]|Chapter 36 - Direct Motor Vehicle Installment Loans|§ 28-3603. Definitions

As used in this chapter, “finance charge” and “annual percentage rate” shall have the respective meanings under the provisions of the Truth-in-Lending Act (82 Stat. 146 et seq.; 15 U.S.C. 1601 et seq.) and the regulations and interpretations thereunder; and “federally insured bank or savings and loan association” means an insured bank as defined in section 3 of the Federal Deposit Insurance Act or an “insured institution” as defined in section 401 of the National Housing Act.  (Dec. 17, 1971, 85 Stat. 667, Pub. L. 92-200, § 4.)  Prior Codifications 1981 Ed., § 28-3603. 1973 Ed., § 28-3603. References in Text Section 3 of the Federal Deposit Insurance Act and section 401 of the National Housing Act, both referred to in this section, are codified in 12 U.S.C. §§ 1813 and 1724, respectively. 12 U.S.C. § 1724 was repealed by Pub. L. 101-73, title IV, § 407, August 9, 1989, 103 Stat. 363.
DC Code § 28-3907 (2021)
2021 District of Columbia Code|Title 28 - Commercial Instruments and Transactions. [Enacted title]|Chapter 39 - Consumer Protection Procedures|§ 28-3907. Advisory Committee on Consumer Protection

(a) There shall be an Advisory Committee on Consumer Protection consisting of 11 members appointed by the Mayor for three-year terms. The nongovernmental members, immediately prior to the effective date of this chapter, of the Advisory Committee on Consumer Affairs established in Organization Order No. 40 (C.O. 73-225; October 3, 1973), shall carry out their terms. No District Government employees shall be members. Four members shall be District merchants. Seven members shall be persons with demonstrated and current records of activity on behalf of consumers. (b) The Committee shall: (1) recommend priorities in, and, at the Committee’s discretion, carry out investigations and research, which concern broad, developing, or frequently encountered consumer problems; (2) assist the Director as the Director may request; (3) monitor the performance and organization of the Office, by quantitative and qualitative methods, and make recommendations and criticisms, based thereon; and (4) cooperate with consumer-related agencies, groups, and individuals in the District and in the metropolitan area to improve city-wide and area-wide consumer protection and education efforts. (c) The Committee shall elect one of its members as Chairperson and another as Vice-Chairperson, each to serve at the pleasure of the Committee, and such other officers and subcommittees as it determines. (d) The Office shall provide staff support for the Advisory Committee. Appropriate expenses incurred by the Committee as a whole, or by individual members, may be paid when authorized by the Director. (e) The Committee shall meet on call by the Chairperson as frequently as required to perform its duties, but no less than once each month, and it shall submit an annual report to the Mayor, Council, and the public. (f) The Committee shall hold public hearings as deemed necessary.  (July 22, 1976, D.C. Law 1-76, § 8, 23 DCR 1185; Sept. 6, 1980, D.C. Law 3-85, § 3(a), (d), 27 DCR 2900; Apr. 9, 1997, D.C. Law 11-255, § 27(z), 44 DCR 1271.)  Prior Codifications 1981 Ed., § 28-3907. 1973 Ed., T. 28, Appx., § 8. Section References This section is referenced in § 28-3901.
DC Code § 28-3908 (2021)
2021 District of Columbia Code|Title 28 - Commercial Instruments and Transactions. [Enacted title]|Chapter 39 - Consumer Protection Procedures|§ 28-3908. Severability

If any provision of this chapter, or the application thereof to any person or circumstance, is held invalid, the remainder of this chapter, and the application of such provision to other persons not similarly situated or to other circumstances, shall not be affected.  (July 22, 1976, D.C. Law 1-76, § 9, 23 DCR 1185; enacted, Sept. 6, 1980, D.C. Law 3-85, § 3(a), (d), 27 DCR 2900.)  Prior Codifications 1981 Ed., § 28-3908. 1973 Ed., T. 28, Appx., § 9.
DC Code § 28-3909.01 (2021)
2021 District of Columbia Code|Title 28 - Commercial Instruments and Transactions. [Enacted title]|Chapter 39 - Consumer Protection Procedures|§ 28-3909.01. Attorney General Authority

 *NOTE: This section was created by temporary legislation that will expire on February 4, 2022.*  Notwithstanding any District law, the Attorney General for the District of Columbia may use the enforcement authority set forth at [§ 28-3909] against any merchant, including a utility provider, that violates any provisions of this act (D.C. Law 24-9).  (June 24, 2021, D.C. Law 24-9, § 307(g), 68 DCR 004824.)  Emergency Legislation  For temporary (90 days) creation of this section, see § 307(g) of Coronavirus Support Congressional Review Emergency Amendment Act of 2021 (D.C. Act 24-96, June 7, 2021, 68 DCR 006025).   For temporary (90 days) creation of this section, see § 307(g) of Coronavirus Support Emergency Amendment Act of 2021 (D.C. Act 24-30, Mar. 17, 2021, 68 DCR 003101).   For temporary (90 days) creation of this section, see § 307(g) of Coronavirus Support Congressional Review Emergency Amendment Act of 2020 (D.C. Act 23-328, June 8, 2020, 67 DCR 7598).   For temporary (90 days) creation of this section, see § 307(g) of Coronavirus Support Emergency Amendment Act of 2020 (D.C. Act 23-326, May 27, 2020, 67 DCR 7045).  Temporary Legislation  For temporary (225 days) creation of this section, see § 307(g) of Coronavirus Support Temporary Amendment Act of 2021 (D.C. Law 24-9, June 24, 2021, 68 DCR 004824).
DC Code § 28-3910 (2021)
2021 District of Columbia Code|Title 28 - Commercial Instruments and Transactions. [Enacted title]|Chapter 39 - Consumer Protection Procedures|§ 28-3910. Investigatory powers of Attorney General [for the District of Columbia]

(a) In the course of an investigation to determine whether to seek relief under section 28-3909, the Attorney General for the District of Columbia may subpoena witnesses, administer oaths, examine an individual under oath, and compel production of records, books, papers, contracts, and other documents. Information obtained under this section is not admissible in a later criminal proceeding against the person who provides the evidence. (b) A subpoena issued pursuant to subsection (a) of this section shall be issued in accordance with [§  1-301.89c].  (Oct. 19, 2000, D.C. Law 13-172, § 1402(f), 47 DCR 6308; Oct. 22, 2015, D.C. Law 21-36, § 1036, 62 DCR 10905; July 17, 2018, D.C. Law 22-140, § 2(e), 65 DCR 5970.)  Effect of Amendments The 2015 amendment by D.C. Law 21-36 designated the existing text as (a); and added (b). Emergency Legislation  For temporary (90 days) amendment of this section, see § 2(b) of At-Risk Tenant Protection Clarifying Congressional Review Emergency Amendment Act of 2018 (D.C. Act 22-486, Oct. 22, 2018, 65 DCR12042).   For temporary (90 days) amendment of this section, see § 2(b) of At-Risk Tenant Protection Clarifying Emergency Amendment Act of 2018 (D.C. Act 22-402, July 16, 2018, 65 DCR 7518).   For temporary (90 days) amendment of this section, see § 2(b) of At-Risk Tenant Protection Clarifying Emergency Amendment Act of 2017 (D.C. Act 22-164, Oct. 23, 2017, 64 DCR 10790).   For temporary (90 days) amendment of this section, see § 2(b) of At-Risk Tenant Protection Clarifying Congressional Review Emergency Amendment Act of 2017 (D.C. Act 22-23, Mar. 27, 2017, 64 DCR 3065).   For temporary (90 days) amendment of this section, see § 2(b) of At-Risk Tenant Protection Clarifying Emergency Amendment Act of 2016 (D.C. Act 21-576, Dec. 19, 2016, 63 DCR 15695).  For temporary (90-day) addition of section, see § 1402(f) of the Fiscal Year 2001 Budget Support Emergency Act of 2000 (D.C. Act 13-376, July 24, 2000, 47 DCR 6574). For temporary (90 day) addition of section, see § 1402(f) of the Fiscal Year 2001 Budget Support Congressional Review Emergency Act of 2000 (D.C. Act 13-438, October 20, 2000, 47 DCR 8740). For temporary (90 days) amendment of this section, see § 1036 of the Fiscal Year 2016 Budget Support Emergency Act of 2015 (D.C. Act 21-127, July 27, 2015, 62 DCR 10201). Temporary Legislation  For temporary (225 days) amendment of this section, see § 2(b) of At-Risk Tenant Protection Clarifying Temporary Amendment Act of 2018 (D.C. Law 22-172, Oct. 30, 2018, 65 DCR 9540).   For temporary (225 days) amendment of this section, see § 2(b) of At-Risk Tenant Protection Clarifying Temporary Amendment Act of 2017 (D.C. Law 22-45, Jan. 25, 2018, 64 DCR 12399).   For temporary (225 days) amendment of this section, see § 2(b) of At-Risk Tenant Protection Clarifying Temporary Amendment Act of 2016 (D.C. Law 21-271, Apr. 15, 2017, 64 DCR 944).