reglab/housing_qa huggingface dataset:
MA Gen L ch 255c § 19 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255c - Insurance Premium Finance Agencies|Section 19 - Payment in Full Before Maturity; Refund

Section 19. Notwithstanding the provisions of any premium finance agreement to the contrary, any insured may pay it in full at any time before maturity of the final installment of the balance thereof, and in so paying such balance shall receive a refund credit thereon for such anticipation. Such refund credit shall be computed on a method which is at least as favorable to the insured as the actuarial method, so-called. If the prepayment is made other than on an installment due date, it shall be deemed to have been made on the first installment due date if the payment is before that date, and in any other case it shall be deemed to have been made on the next preceding or next succeeding installment due date, whichever is nearer to the date of prepayment. Where the amount of the credit for anticipation of payment is less than one dollar, no refund need be made. The details of application and the rules for partial prepayments shall be subject to the regulations issued under the provisions of section one hundred and sixty-two B of chapter one hundred and seventy-five.
MA Gen L ch 255c § 21 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255c - Insurance Premium Finance Agencies|Section 21 - Cancellation of Insurance Contract; Refund of Finance Charges; Deficiency; Notice of Cancellation

Section 21. Upon the cancellation of an insurance contract the insured shall be entitled to a refund of the finance charges, such refund to be computed on a method which is at least as favorable to the insured as the actuarial method, so-called, from the effective date of cancellation irrespective of the time when the premium finance agency is reimbursed by the insurer or insurers. Whenever the gross unearned premiums received from the insurer or insurers are insufficient to extinguish the unpaid amount financed owed to the premium finance agency it may charge and collect a finance charge for the remaining unpaid amount financed not to exceed the rates established pursuant to the provisions of section one hundred and sixty-two B of chapter one hundred and seventy-five in effect on the date of cancellation and from said date to the time when the insured shall pay such balance. A premium finance agency shall give notice of cancellation to the policyholder by delivering such notice in hand to the named policyholder, or by leaving at his last business, residence or other address known to the agency, or by forwarding such notice to said address by first class mail, postage prepaid, and a notice delivered, so left or forwarded, shall be deemed a sufficient notice. No written notice of cancellation shall be deemed effective when mailed by the agency unless the agency obtains a certificate of mailing receipt from the United States Postal Service showing the name and address of the policyholder stated in the policy, but any notice of the intent to cancel as required by section thirty-four K of chapter ninety may be given by first class mail. If a premium finance agency, or any holder of a premium finance agreement, acting under a power of attorney in connection with the cancellation of a motor vehicle liability policy, as defined in section thirty-four A of chapter ninety, gives notice of cancellation in accordance with section thirty-four K of said chapter ninety, and thereafter the insured pays the full amount then due under the premium finance agreement, such agency or holder shall forthwith notify the insurer that it is revoking the notice of cancellation. Such notice of revocation shall not be binding upon the insurer, unless it is in writing and is received by the insurer not less than three days prior to the effective date of cancellation.
MA Gen L ch 255c § 22 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255c - Insurance Premium Finance Agencies|Section 22 - Scope and Application of Chapter

Section 22. This chapter shall not affect the inclusion of a charge for insurance on a bona fide sale of property, goods or services on instalments, nor shall it apply to insurance premiums financed at not more than six dollars per one hundred dollars per annum including all fees and charges of every name, nature and description. Nothing contained in this chapter or in chapter one hundred and seventy-five shall prohibit the addition by an insurance agent or broker not licensed as a premium finance agent of a late charge for late payment of a premium so long as any such charge does not exceed one and one-half per cent of the unpaid balance per month; provided, however, that such late charge shall not be imposed in the event payment is received within forty-five days from the effective date of the policy. Such insurance agent or broker may impose such a charge only if his bills, statements or invoices issued to a policyholder state that such a charge will be made in the event of late payment.  This chapter shall not apply to policies of life, endowment and retirement income insurance or annuity contracts and contracts supplementary thereto.
MA Gen L ch 255c § 23 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255c - Insurance Premium Finance Agencies|Section 23 - Truth-in-Lending Act; Application

Section 23. A transaction subject to the provisions of this chapter shall also be subject to the provisions of chapter one hundred and forty D and a premium finance agency subject to the provisions of this chapter shall be subject to the provisions of said chapter one hundred and forty D and in the event of a conflict between the provisions of this chapter and said chapter one hundred and forty D, the provisions of said chapter one hundred and forty D shall control.
MA Gen L ch 255d § 4 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255d - Retail Installment Sales and Services|Section 4 - Summoning of Licensees; Failure to Appear; Effect

Section 4. The commissioner, or such of his assistants as he may designate, may summon a licensee, or any of his agents or employees, and such other witness as he deems necessary, and examine them relative to their transactions, may require the production of books and papers and, for such purposes, may administer oaths. Whoever, without justifiable cause, fails or refuses to appear and testify or to produce books and papers when so required, or obstructs the commissioner or his representatives in the performance of their duties, shall be punished by a fine of not more than five hundred dollars or by imprisonment for not more than six months, or both.
MA Gen L ch 255d § 5 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255d - Retail Installment Sales and Services|Section 5 - Refusal to Issue License; Notice; Appeal; Hearing

Section 5. If the commissioner refuses to issue a license, he shall notify the applicant of the denial, and within twenty days thereafter he shall enter upon his records a written decision and findings containing the reasons supporting the denial, and shall forthwith give written notice thereof by registered mail to the applicant. Within thirty days after the date of such notice the applicant may appeal from such denial to the superior court for the county of Suffolk, sitting in equity. The court shall hear all pertinent evidence and determine the facts, and upon the facts as so determined review said denial and, as justice and equity may require, affirm the same or order the commissioner to issue such license.
MA Gen L ch 255d § 6 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255d - Retail Installment Sales and Services|Section 6 - Violations of This Chapter; Investigations by Commissioner

Section 6. The commissioner, if he has reason to believe that any person other than a licensee has violated any of the provisions of this chapter, shall have the power to make such investigations as he shall deem necessary, and, to the extent necessary for this purpose he may examine such person and shall have the power to compel the production of all relevant books, records, accounts and documents.  The state police and the police of the cities or towns shall carry out the directions of the commissioner in enforcing the provisions of this chapter and any rules or regulations made hereunder by him. A violation of this chapter shall also be a violation of chapter ninety-three A.
MA Gen L ch 255d § 7 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255d - Retail Installment Sales and Services|Section 7 - Suspension or Revocation of License; Grounds

Section 7. A license may be suspended or revoked by the commissioner on the following grounds: (1) material misstatement in application for license; (2) failure to comply with the provisions of this chapter; (3) defrauding any retail buyer to the buyer's damage; (4) fraudulent misrepresentation, circumvention or concealment by the licensee through whatever subterfuge or device of any of the material particulars or the nature thereof required to be stated or furnished to the retail buyer under this chapter; (5) the existence of any fact or condition which, if it had existed at the time of the original application for such license, clearly would have warranted the commissioner in refusing to issue such license.  If a licensee is a partnership, corporation or trust, it shall be sufficient cause for the suspension or revocation of its license if any partner, officer, director or trustee thereof, so acts or fails to act as to constitute cause for suspending or revoking his license if he were licensed as an individual. Each licensee shall be responsible for any acts in violation of this chapter by any of his employees while acting as his agent, if such licensee after actual knowledge of said acts retained the benefits, proceeds, profits or advantages accruing from said acts or otherwise ratified said acts.
MA Gen L ch 255d § 8 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255d - Retail Installment Sales and Services|Section 8 - Suspension or Revocation of License; Procedure

Section 8. No license shall be suspended or revoked except after hearing thereon by the commissioner or such of his assistants as he may designate. The commissioner shall give the licensee at least ten days' written notice, in the form of an order to show cause, of the time and place of such hearing by registered mail addressed to the principal place of business in this commonwealth of such licensee. The said notice shall contain the grounds of complaint against the licensee. Any order suspending or revoking such license shall recite the grounds upon which the same is based. The order shall be entered upon the records of the commissioner and shall not be effective until after thirty days' written notice thereof given after such entry forwarded by registered mail to the licensee at such principal place of business. No revocation, suspension or surrender of any license shall impair or affect the obligation of any lawful retail installment sale agreement acquired previously thereto by the licensee. Within thirty days after such suspension or revocation the person aggrieved thereby may appeal to the superior court for the county of Suffolk, sitting in equity. The court shall hear all pertinent evidence and determine the facts, and upon the facts as so determined review said suspension or revocation and, as justice and equity may require, affirm the same or order that the commissioner rescind it.
MA Gen L ch 255d § 9a (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255d - Retail Installment Sales and Services|Section 9a - Improvement of Realty; Completion of Statement

Section 9A. In any transaction involving the modernization, rehabilitation, repair, alteration, improvement or construction of real property, a writing signed by the buyer that such work has been satisfactorily completed shall not be valid unless the work to be performed by the seller is actually completed.
MA Gen L ch 255d § 10 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255d - Retail Installment Sales and Services|Section 10 - Prohibited Agreements

Section 10. No seller, sales finance company or holder shall at any time take or receive any retail installment sale agreement from a buyer or from any surety or guarantor for the buyer which contains:  (1) Blank spaces for terms required by this chapter or for terms upon which the parties at the consummation of the sale have agreed to the extent of then available information except that the finance charge and the annual percentage rate must always be disclosed;  (2) Any confession of judgment or any power or warrant of attorney to appear for the buyer or for any surety or guarantor for him to confess judgment;  (3) Any schedule of payments under which any one installment, except the down payment, is not equal or substantially equal to all other installments, excluding the down payment, or under which the intervals between any consecutive installments except the down payment differ substantially, unless (a) the buyer is given an absolute right upon default in any such excess or irregular installments to have the schedule of unpaid installments, including that in default, revised to conform in both amounts and intervals to the average of all preceding installments and intervals, or (b) unless the time and amounts of installments relate to the uneven seasonal income of the buyer and a statement appears in the contract to that effect.  (4) Any provision for repossession of the goods or for the acceleration of the time when any part or all of the total of payments becomes payable other than for default of the buyer;  (5) Any provision by which a buyer grants authority to the holder to unlawfully enter the installment buyer's premises or commit any breach of peace in the repossession of the collateral, if any;  (6) Any waiver of rights or remedies which the installment buyer may have against the seller or holder of the retail installment sale agreement, or other person acting in his behalf;  (7) Any provision whereby the installment buyer executes a power of attorney appointing the seller or holder of the retail installment sale agreement, or other person acting in his behalf, as the buyer's agent in the collection of payments under the agreement or in the repossession of the collateral security;  (8) Any assignment, or order for payment, of any salary, wages, commission or other compensation for services or any part thereof earned or to be earned;  (9) Any provision limiting, excluding, modifying or in any manner altering the term of any express warranty made a part of the basis of the bargain between the parties.
MA Gen L ch 255d § 10a (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255d - Retail Installment Sales and Services|Section 10a - Discrimination Against Cash Buyers

Section 10A. No retail establishment offering goods and services for sale shall discriminate against a cash buyer by requiring the use of credit by a buyer in order to purchase such goods and services. All such retail establishments must accept legal tender when offered as payment by the buyer.
MA Gen L ch 255d § 11 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255d - Retail Installment Sales and Services|Section 11 - Finance Charges, Computation, Rates; Multiple Agreements Prohibited

Section 11. A. No fee, expense or other charge whatsoever shall be taken, received, reserved or contracted for, except as provided in this section and in sections sixteen to twenty-two, inclusive, and except for official fees, and for the items expressly provided for in the retail installment sale agreement as set forth in section nine.  B. An installment seller may, in a retail installment sales agreement, contract for, and if so contracted for the holder thereof may charge, receive, and collect a finance charge computed on the original amount financed of the contract or obligation not in excess of an annual percentage rate of twenty-one per cent.  C. On agreements payable in successive periodic installments substantially equal in amount, the maximum permissible finance charge shall be computed on the original amount financed. On agreements providing for installments extending for a period less than or greater than one year, the finance charge shall be computed proportionately.  The finance charge may be computed on the basis of a full month for any fractional month period in excess of fifteen days.  When a retail installment sale agreement provides for unequal or irregular installments, the finance charge shall be at the effective rate provided for in this section, having due regard for the schedule of installments.  The date on which the finance charge begins to accrue shall be deemed to be a different date from the date of the transaction if the goods or services purchased are not available for delivery on the date of the transaction and the date such finance charge shall begin to accrue shall be the date when such goods or services are available for delivery.  D. No installment seller shall permit any person, or any husband and wife jointly or severally, to be obligated, either directly or contingently to said seller, under more than one retail installment sales agreement executed at the same time.
MA Gen L ch 255d § 11a (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255d - Retail Installment Sales and Services|Section 11a - Merchandise Certificates or Coupons; Right to Return

Section 11A. The buyer shall have the right to return to the seller at any time all merchandise certificates or coupons which have not been exchanged for goods or services, and the seller shall thereupon credit the buyer with the full face amount thereof and all finance charges and any insurance charges thereon.
MA Gen L ch 255d § 11b (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255d - Retail Installment Sales and Services|Section 11b - Merchandise Certificates or Coupons; Return Statement Required

Section 11B. Any written agreement for the purchase of a merchandise certificate or coupon, any newly printed merchandise certificate or coupon, and any cover or envelope containing a merchandise certificate or coupon shall contain the following statement appearing conspicuously on the face thereof:  You may return any unused merchandise certificates or coupons at any time and receive full credit on your account.
MA Gen L ch 255d § 12 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255d - Retail Installment Sales and Services|Section 12 - Receipts for Payments; Sale or Assignment of Agreement

Section 12. A. When any payment is made on account of any retail installment sale agreement, the person receiving such payment shall, if the payment is made in cash, give the buyer a complete written receipt therefor. If the buyer specifies that the payment is made on one of several obligations, the receipt shall so state.  B. Any person may purchase a retail installment sale agreement from a seller or holder on such terms and conditions and for such price as may be mutually agreed upon. Unless written notice has been given to the buyer of actual or intended assignment of a retail installment sale agreement, the buyer may pay or tender any amount due thereunder or give any notice required or permitted by the agreement, to the last known holder of the agreement and such payment, tender or notice shall be binding upon any subsequent holder as fully as if made to him.
MA Gen L ch 255d § 13 (2021)
2021 Massachusetts General Laws|Part III - Courts, Judicial Officers and Proceedings in Civil Cases|Title IV - Certain Writs and Proceedings in Special Cases|Chapter 255d - Retail Installment Sales and Services|Section 13 - Payment in Full Before Maturity; Refund Credit

Section 13. A. Notwithstanding the provisions of any retail installment sale agreement to the contrary, a buyer may pay it in full at any time before the maturity of the final installment thereof, and, if he does so, shall receive and be entitled to receive a refund credit thereon and, if the retail installment sale agreement included an amount for insurance, a further refund credit thereon for such anticipation, whether or not the maturity of the scheduled payment of the agreement was accelerated by the holder by reason of a buyer's default.  B. Except as provided in subsection C, a refund credit shall be computed on a method which is at least as favorable to the buyer as the actuarial method, so-called. If the prepayment is made other than on an installment due date it shall be deemed to have been made on the first installment due date if the prepayment is before that date, and in any other case it shall be deemed to have been made on the next preceding or next succeeding installment due date, whichever is nearer to the date of prepayment. In the event a contract has been extended and is prepaid in full during an extension period the buyer shall receive, in addition, the refund of that portion of the extension charge applicable to any unexpired months of the extension period.  C. Where the amount of credit for anticipation of payment is less than one dollar, no refund need be made.  D. On contracts payable in substantially equal successive monthly installments, commencing two or more months after the date of the contract, the computational period for refund shall commence with the date of the contract or, if the goods are delivered or services performed ten days or more after the date of the contract, the computational period shall commence with the date of delivery or performance of the services.