reglab/housing_qa huggingface dataset:
8 ME Rev Stat § 1106 (2021)
2021 Maine Revised Statutes|TITLE 8: AMUSEMENTS AND SPORTS|Chapter 33: REGULATION OF FANTASY CONTESTS|8 §1106. Rules

 §1106. Rules The director shall adopt rules for the proper enforcement and administration of this chapter. When rules are initially adopted as required by this section, rules are major substantive rules as defined by Title 5, chapter 375, subchapter 2-A. Amendments or changes to those rules, after initial adoption, are routine technical rules as defined by Title 5, chapter 375, subchapter 2-A.   [PL 2017, c. 303, §2 (NEW).]1.  Required rules.  Rules adopted pursuant to this section must include but are not limited to the following:   A. Prohibiting the operator from making statements that are not accurate or are misleading regarding the likelihood of winning;   [PL 2017, c. 303, §2 (NEW).]B. Requiring disclosure of the number of entries an individual fantasy contestant may submit to each fantasy contest and the maximum number of entries allowed by a fantasy contest operator for each contest;   [PL 2017, c. 303, §2 (NEW).]C. Prohibiting advertisements or promotions that target minors and individuals with gambling addiction, including individuals who have requested to be restricted from play on a fantasy contest operator's platform;   [PL 2017, c. 303, §2 (NEW).]D. Requiring the fantasy contest operator to provide information on how to participate and compete in fantasy contests, including an explanation of fantasy contest play and how to identify a highly experienced fantasy contestant;   [PL 2017, c. 303, §2 (NEW).]E. Requiring a system that identifies a highly experienced fantasy contestant by means of a symbol or other identifier easily viewed by fantasy contestants engaged in the fantasy contest on the platform;   [PL 2017, c. 303, §2 (NEW).]F. Prohibiting the use of 3rd-party scripts or 3rd-party scripting programs for any fantasy contest and implementing methods to detect, deter and to the greatest extent possible prevent cheating and improper manipulation of the fantasy contest;   [PL 2017, c. 303, §2 (NEW).]G. Requiring the implementation of a system within the platform by which a fantasy contestant may submit a complaint against the fantasy contest operator and requiring the fantasy contest operator to respond to the complaint within 48 hours;   [PL 2017, c. 303, §2 (NEW).]H. Requiring the maintenance of records of fantasy contestant accounts, which must be made available to the director upon request, for a period of up to 5 years;   [PL 2017, c. 303, §2 (NEW).]I. Requiring the development and offering of fantasy contests limited to beginner fantasy contestants; and   [PL 2017, c. 303, §2 (NEW).]J. Requiring the fantasy contest operator to ensure that winning outcomes reflect the relative knowledge and skill of the fantasy contestant and that winning outcomes are determined primarily by accumulated statistical results of the performance of human competitors in sports events.   [PL 2017, c. 303, §2 (NEW).][PL 2017, c. 303, §2 (NEW).] SECTION HISTORY PL 2017, c. 303, §2 (NEW).
8 ME Rev Stat § 1107 (2021)
2021 Maine Revised Statutes|TITLE 8: AMUSEMENTS AND SPORTS|Chapter 33: REGULATION OF FANTASY CONTESTS|8 §1107. Violations and penalties

 §1107. Violations and penalties 1.  Violation.  A person, firm, corporation or association or an agent or employee of one of those entities may not violate this chapter or a rule adopted pursuant to this chapter.   [PL 2017, c. 303, §2 (NEW).] 2.  Penalty.  For each violation of this chapter or any rule adopted pursuant to this chapter, the director may:   A. Impose a fine of up to $1,000 per violation; or   [PL 2017, c. 303, §2 (NEW).]B. Impose a fine not to exceed $5,000 for violations arising out of the same transaction or occurrence.   [PL 2017, c. 303, §2 (NEW).][PL 2017, c. 303, §2 (NEW).] SECTION HISTORY PL 2017, c. 303, §2 (NEW).
8 ME Rev Stat § 1108 (2021)
2021 Maine Revised Statutes|TITLE 8: AMUSEMENTS AND SPORTS|Chapter 33: REGULATION OF FANTASY CONTESTS|8 §1108. Applicability of other laws

 §1108. Applicability of other laws Unless expressly provided in this chapter, the provisions of Title 17, chapter 62 and Title 17-A, chapter 39 do not apply to the conduct of fantasy contests operated in accordance with this chapter and rules adopted pursuant to this chapter.   [PL 2017, c. 303, §2 (NEW).]SECTION HISTORY PL 2017, c. 303, §2 (NEW).
9-A ME Rev Stat § 8-501 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 8-A: MAINE TRUTH-IN-LENDING|9-A §8-501. Short title

 §8-501. Short title This Article may be known and cited as the "Maine Consumer Credit Code - Truth-in-Lending."   [PL 2011, c. 427, Pt. A, §15 (NEW).]SECTION HISTORY PL 2011, c. 427, Pt. A, §15 (NEW).
9-A ME Rev Stat § 8-502 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 8-A: MAINE TRUTH-IN-LENDING|9-A §8-502. Findings and declaration of purpose

 §8-502. Findings and declaration of purpose The Legislature finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this Article to ensure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to the consumer and avoid the uninformed use of credit and to protect the consumer against inaccurate and unfair credit billing and credit card practices.   [PL 2011, c. 427, Pt. A, §15 (NEW).]SECTION HISTORY PL 2011, c. 427, Pt. A, §15 (NEW).
9-A ME Rev Stat § 8-503 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 8-A: MAINE TRUTH-IN-LENDING|9-A §8-503. Conformity with federal law

 §8-503. Conformity with federal law Unless the context otherwise indicates, any word or phrase that is not defined in this Article but that is defined in the Federal Truth in Lending Act, Title I of the federal Consumer Credit Protection Act, 15 United States Code, Section 1601 et seq. or its implementing regulation, Regulation Z, 12 Code of Federal Regulations, Section 1026.1 et seq., has the meaning set forth in the Federal Truth in Lending Act and its implementing regulations.   [PL 2013, c. 464, §3 (AMD).]SECTION HISTORY PL 2011, c. 427, Pt. A, §15 (NEW). PL 2013, c. 464, §3 (AMD).
9-A ME Rev Stat § 8-504 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 8-A: MAINE TRUTH-IN-LENDING|9-A §8-504. Maine Consumer Credit Code - Truth-in-Lending

 §8-504. Maine Consumer Credit Code - Truth-in-Lending 1.  Compliance with Federal Truth in Lending Act.  Notwithstanding any other law, a creditor shall comply with the Federal Truth in Lending Act, Title I of the federal Consumer Credit Protection Act, 15 United States Code, Section 1601 et seq. and its implementing regulations, Regulation Z, 12 Code of Federal Regulations, Section 1026.1 et seq. and Regulation M, 12 Code of Federal Regulations, Section 1013.1 et seq.   [PL 2013, c. 464, §4 (AMD).] 2.  Rule-making authority.  Consistent with the purposes of Title X and Title XIV of the federal Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111-203 and with the purposes set forth in sections 1-102 and 8-502 and notwithstanding other law, the administrator may adopt rules substantially similar to or that afford more protection for consumers than those codified in 12 Code of Federal Regulations, Part 1026 and 12 Code of Federal Regulations, Part 1013. Rules adopted pursuant to this subsection are routine technical rules as defined in Title 5, chapter 375, subchapter 2-A. In adopting rules pursuant to this subsection, the administrator shall specifically consider whether there is a substantial impact on consumer protection before adopting rules affecting the following provisions of section 8-506:   A. The rate thresholds pertaining to high-cost mortgage loans in section 8‑506, subsection 1, paragraph H;   [PL 2011, c. 427, Pt. A, §15 (NEW).]B. The prepayment penalties for high-cost mortgage loans in section 8‑506, subsection 2, paragraph D;   [PL 2011, c. 427, Pt. A, §15 (NEW).]C. The assignee liability for high-cost mortgage loans in section 8‑506, subsection 3;   [PL 2011, c. 427, Pt. A, §15 (NEW).]D. The ability to repay in section 8‑506, subsection 4;   [PL 2011, c. 427, Pt. A, §15 (NEW).]E. The prohibition against flipping and the principles of tangible net benefit in section 8‑506, subsection 5; and   [PL 2013, c. 464, §4 (AMD).]F. The enhanced penalties for violations in section 8‑506, subsection 6.   [PL 2011, c. 427, Pt. A, §15 (NEW).]The rules may contain classifications, differentiations or other provisions and may provide for adjustments and exceptions for any class of transactions subject to this Title that in the judgment of the administrator are necessary or proper to effectuate the purposes of this Title, or to prevent circumvention or evasion of or to facilitate compliance with, the provisions of this Title.   [PL 2013, c. 464, §4 (AMD).] 3.  Compliance with rules prior to effective date.  A creditor may comply with any rules adopted by the administrator pursuant to subsection 2 prior to the effective date of those rules.   [PL 2011, c. 427, Pt. A, §15 (NEW).] SECTION HISTORY PL 2011, c. 427, Pt. A, §15 (NEW). PL 2013, c. 464, §4 (AMD).
9-A ME Rev Stat § 8-507 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 8-A: MAINE TRUTH-IN-LENDING|9-A §8-507. Exemption from the Federal Truth in Lending Act

 §8-507. Exemption from the Federal Truth in Lending Act 1.  Preservation of federal exemption.  As required by the Federal Truth in Lending Act, 15 United States Code, Section 1633 and its implementing regulation, Regulation Z, 12 Code of Federal Regulations, Section 1026.29, the administrator may take any action necessary to apply for or to preserve a determination by the federal Consumer Financial Protection Bureau or its successor agency that under the laws of this State any class of credit transactions within this State is subject to requirements substantially similar to federal requirements and that there are adequate provisions for enforcement of such requirements.   [PL 2013, c. 464, §10 (AMD).] 2.  Application.  This Article does not apply to any class of credit transactions within this State that is subject to the requirements of the Federal Truth in Lending Act, Title I of the federal Consumer Credit Protection Act unless any such class of transactions has first been exempted by a regulation of the federal Consumer Financial Protection Bureau and that exemption remains in effect.   [PL 2013, c. 464, §10 (AMD).] SECTION HISTORY PL 2011, c. 427, Pt. A, §15 (NEW). PL 2013, c. 464, §10 (AMD).
9-A ME Rev Stat § 8-508 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 8-A: MAINE TRUTH-IN-LENDING|9-A §8-508. Authority of administrator

 §8-508. Authority of administrator The administrator, by rule or order, shall prohibit acts or practices in connection with:   [PL 2011, c. 427, Pt. A, §15 (NEW).]1.  Unfair or deceptive mortgage loans.  The making of a residential mortgage loan that the administrator finds unfair, deceptive or designed to evade the provisions of section 8‑506; and   [PL 2011, c. 427, Pt. A, §15 (NEW).] 2.  Refinancing; abusive lending practices.  The refinancing of a residential mortgage loan that the administrator finds is associated with abusive lending practices or that is otherwise not in the interest of the borrowing public.   [PL 2011, c. 427, Pt. A, §15 (NEW).] Rules adopted pursuant to this section are routine technical rules as defined in Title 5, chapter 375, subchapter 2‑A.   [PL 2011, c. 427, Pt. A, §15 (NEW).]SECTION HISTORY PL 2011, c. 427, Pt. A, §15 (NEW).
9-A ME Rev Stat § 8-509 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 8-A: MAINE TRUTH-IN-LENDING|9-A §8-509. Credit card and debit card surcharge prohibition

 §8-509. Credit card and debit card surcharge prohibition 1.  Surcharge prohibited.  A seller in a sales transaction may not impose a surcharge on a cardholder who elects to use a credit card or debit card in lieu of payment by cash, check or similar means. For purposes of this section, "surcharge" means any means of increasing the regular price to a cardholder that is not imposed on a customer paying by cash, check or similar means. A discount or reduction from the regular price is not a surcharge.   [PL 2011, c. 427, Pt. A, §15 (NEW).] 2.  Surcharge permitted for governmental entity.  Notwithstanding subsection 1, a governmental entity may impose a surcharge for payments made with a credit card or debit card for taxes, fines, charges, utility fees, regulatory fees, registration fees, license or permit fees or the provision of a specific service or good provided by that governmental entity if the surcharge:   A. Is disclosed clearly to the consumer prior to payment; and   [PL 2011, c. 427, Pt. A, §15 (NEW).]B. Does not exceed the costs associated with providing the credit card or debit card service that are directly incurred by the governmental entity or assessed by an authorized 3rd-party payment service provider for a credit card or debit card transaction. If there is not a cost assessed by an authorized 3rd-party payment service provider for a debit card transaction, the governmental entity may not impose a surcharge associated with a debit card transaction.   [PL 2011, c. 427, Pt. A, §15 (NEW).]A governmental entity shall disclose to the consumer that the surcharge may be avoided if the consumer makes payments by cash, check or other means not a credit card or debit card. A governmental entity is not subject to any liability to the issuer of a credit card or an authorized 3rd-party payment service provider for nonpayment of credit card charges by the consumer. As used in this subsection, "governmental entity" includes, but is not limited to, a state department or agency, a county established or governed by Title 30‑A, Part 1, a municipality as defined in Title 30‑A, section 2001, subsection 8, a plantation established or governed by Title 30‑A, chapter 301, a quasi-municipal corporation as defined in Title 30‑A, section 2604, subsection 3, the Judicial Department as described in Title 4, the University of Maine System, the Maine Community College System and the Maine Maritime Academy.   [PL 2021, c. 150, §2 (AMD).] SECTION HISTORY PL 2011, c. 427, Pt. A, §15 (NEW). PL 2021, c. 150, §2 (AMD).
9-A ME Rev Stat § 8-510 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 8-A: MAINE TRUTH-IN-LENDING|9-A §8-510. Disclosure of lists of the names, addresses and account numbers of credit card holders

 §8-510. Disclosure of lists of the names, addresses and account numbers of credit card holders 1.  Disclosure prohibited.  Except as provided in subsection 2, it is unlawful for a person, business, corporation, partnership, agency, financial institution, credit card registration service or other entity to rent, sell, exchange or otherwise disclose or make available to another person or entity a list containing the names, addresses and account numbers of credit card holders without the express, written permission of the credit card holders.   [PL 2011, c. 427, Pt. A, §15 (NEW).] 2.  Exceptions.  The following disclosures of lists containing the names, addresses and account numbers of credit card holders are not prohibited:   A. Disclosure to or from a consumer reporting agency, as defined in Title 10, section 1308, subsection 3, as long as the transfer is for purposes of compliance with and in a manner consistent with the terms of the Fair Credit Reporting Act;   [PL 2013, c. 588, Pt. C, §1 (AMD).]B. Disclosure between a parent corporation and a subsidiary or affiliate of that corporation or between subsidiaries or affiliates of a parent corporation;   [PL 2011, c. 427, Pt. A, §15 (NEW).]C. Disclosure in connection with the sale or pledge, or negotiation of the sale or pledge, of any portion of a business or the assets of a business, as long as the party to whom disclosure is made maintains the confidentiality of the information disclosed;   [PL 2011, c. 427, Pt. A, §15 (NEW).]D. Disclosure in connection with authorization, processing, billing, collection, charge-back, fraud prevention or credit card recovery; and   [PL 2011, c. 427, Pt. A, §15 (NEW).]E. Disclosure pursuant to state or federal law or at the direction of a governmental entity pursuant to law or in response to a court order.   [PL 2011, c. 427, Pt. A, §15 (NEW).][PL 2013, c. 588, Pt. C, §1 (AMD).] 3.  Violation.  A violation of this section constitutes a violation of the Maine Consumer Credit Code and the Maine Unfair Trade Practices Act.   [PL 2011, c. 427, Pt. A, §15 (NEW).] SECTION HISTORY PL 2011, c. 427, Pt. A, §15 (NEW). PL 2013, c. 588, Pt. C, §1 (AMD).
9-A ME Rev Stat § 8-511 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 8-A: MAINE TRUTH-IN-LENDING|9-A §8-511. Recurring charges to credit card or charge card accounts

 §8-511. Recurring charges to credit card or charge card accounts If a sale of goods, services or insurance is charged to a credit card or charge card account on an annual basis without substantially contemporaneous authorizations by the consumer, the seller shall inform the consumer of the voluntary nature of the charge to the credit card or charge card account and of the steps necessary to prevent this charge at least 30 days prior to the annual charge. The card issuer may provide the notice on behalf of the seller. This section does not apply to insurance subject to notice and cancellation rights pursuant to section 4‑204.   [PL 2011, c. 427, Pt. A, §15 (NEW).]SECTION HISTORY PL 2011, c. 427, Pt. A, §15 (NEW).
9-A ME Rev Stat § 11-101 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 11: RENTAL-PURCHASE PRACTICES|9-A §11-101. Short title

 §11-101. Short title This Article may be known and cited as the "Maine Consumer Credit Code - Rental-purchase Agreements."   [PL 1991, c. 787 (NEW).]SECTION HISTORY PL 1991, c. 787 (NEW).
9-A ME Rev Stat § 11-102 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 11: RENTAL-PURCHASE PRACTICES|9-A §11-102. Purpose; rules of construction

 §11-102. Purpose; rules of construction 1.  This Article must be liberally construed and applied to promote its underlying purposes and policies.   [PL 1991, c. 787 (NEW).] 2.  The underlying purposes and policies of this Article are to:   A. Simplify, clarify and modernize the law governing rental-purchase agreements;   [PL 1991, c. 787 (NEW).]B. Provide certain disclosures to consumers who enter into rental-purchase agreements and to promote consumer understanding of the terms of rental-purchase agreements;   [PL 1991, c. 787 (NEW).]C. Protect consumers against unfair practices by some rental-purchase dealers, having due regard for the interests of legitimate and scrupulous rental-purchase dealers; and   [PL 1991, c. 787 (NEW).]D. Permit and encourage the development of fair and economically sound rental-purchase practices.   [PL 1991, c. 787 (NEW).][PL 1991, c. 787 (NEW).] SECTION HISTORY PL 1991, c. 787 (NEW).
9-A ME Rev Stat § 11-103 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 11: RENTAL-PURCHASE PRACTICES|9-A §11-103. Supplementary general principles of law applicable

 §11-103. Supplementary general principles of law applicable Unless displaced by the particular provisions of this Article, the "Uniform Commercial Code" and the principles of law and equity, including the law relative to capacity to contract, principal and agent, estoppel, fraud, misrepresentation, duress, coercion, mistake, bankruptcy or other validating or invalidating cause, supplement the provisions of this Article.   [PL 1991, c. 787 (NEW).]SECTION HISTORY PL 1991, c. 787 (NEW).
9-A ME Rev Stat § 11-104 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 11: RENTAL-PURCHASE PRACTICES|9-A §11-104. Application

 §11-104. Application This Article applies to rental-purchase agreements or acts, practices or conduct related to a rental-purchase agreement if:   [PL 1991, c. 787 (NEW).]1.  The rental-purchase agreement is entered into in this State; or   [PL 1991, c. 787 (NEW).] 2.  The consumer is a resident of this State at the time the merchant, wherever located, offering the rental-purchase agreement solicits the rental-purchase agreement or modification of the rental-purchase agreement in this State, whether the solicitation is made personally, by mail or by telephone.   For the purposes of this Article, the residence of the consumer is the address given by the consumer as the consumer's residence in any writing signed by the consumer in connection with the rental-purchase agreement. Unless the consumer notifies the merchant of a new or different residence address, the given residence address is presumed to be unchanged.   [PL 2001, c. 287, §1 (AMD).] SECTION HISTORY PL 1991, c. 787 (NEW). PL 2001, c. 287, §1 (AMD).
9-A ME Rev Stat § 11-107 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 11: RENTAL-PURCHASE PRACTICES|9-A §11-107. General requirements of disclosure

 §11-107. General requirements of disclosure 1.  The merchant shall disclose to the consumer the information required by this Article. In a transaction involving more than one merchant, only one merchant need make the disclosure but all merchants are bound by the disclosure.   [PL 1991, c. 787 (NEW).] 2.  The disclosure must be made during or before consummation of the rental-purchase agreement.   [PL 1991, c. 787 (NEW).] 3.  The disclosure must be made clearly and conspicuously, in a clear and coherent manner, in writing, in type size not less than 8-point standard type and appropriately divided and captioned by various sections. A copy of the rental-purchase agreement must be provided to the consumer. If more than one consumer executes a rental-purchase agreement, the merchant shall provide a copy of the agreement to each consumer. The disclosure required under section 11‑108 must be made above the line for the consumer's signature. If disclosures are made on more than one page, the contract complies with this subsection if the consumer signs each page of the contract.   [PL 2001, c. 287, §4 (AMD).] 4.  If a disclosure becomes inaccurate as a result of any act, occurrence or agreement by the consumer after delivery of the required disclosure, the inaccuracy is not a violation of this Article.   [PL 1991, c. 787 (NEW).] 5.  A merchant may disclose information that is not required by this Article if the additional information is not stated, used or placed in a manner that contradicts, obscures or distracts attention from the required information.   [PL 2001, c. 287, §5 (NEW).] SECTION HISTORY PL 1991, c. 787 (NEW). PL 2001, c. 287, §§4,5 (AMD).