reglab/housing_qa huggingface dataset:
RI Gen L § 6A-9-602 (2021)
2021 Rhode Island General Laws|Title 6A - Uniform Commercial Code|Chapter 6A-9 - Secured Transactions|Section 6A-9-602 - Waiver and variance of rights and duties.

§ 6A-9-602. Waiver and variance of rights and duties.Except as otherwise provided in § 6A-9-624, to the extent that they give rights to a debtor or obligor and impose duties on a secured party, the debtor or obligor may not waive or vary the rules stated in the following listed sections:(1) Section 6A-9-207(b)(4)(iii), which deals with use and operation of the collateral by the secured party;(2) Section 6A-9-210, which deals with requests for an accounting and requests concerning a list of collateral and statement of account;(3) Section 6A-9-607(c), which deals with collection and enforcement of collateral;(4) Section 6A-9-608(a) and Section 6A-9-615(c) to the extent that they deal with application or payment of noncash proceeds of collection, enforcement, or disposition;(5) Section 6A-9-608(a) and § 6A-9-615(d) to the extent that they require accounting for or payment of surplus proceeds of collateral;(6) Section 6A-9-609 to the extent that it imposes upon a secured party that takes possession of collateral without judicial process the duty to do so without breach of the peace;(7) Sections 6A-9-610(b), 6A-9-611, 6A-9-613, and 6A-9-614, which deal with disposition of collateral;(8) Section 6A-9-615(f), which deals with calculation of a deficiency or surplus when a disposition is made to the secured party, a person related to the secured party, or a secondary obligor;(9) Section 6A-9-616, which deals with explanation of the calculation of a surplus or deficiency;(10) Sections 6A-9-620, 6A-9-621, and 6A-9-622, which deal with acceptance of collateral in satisfaction of obligation;(11) Section 6A-9-623, which deals with redemption of collateral;(12) Section 6A-9-624, which deals with permissible waivers; and(13) Sections 6A-9-625 and 6A-9-626, which deal with the secured party's liability for failure to comply with this chapter.History of Section.P.L. 2000, ch. 182, § 6; P.L. 2000, ch. 420, § 6.
RI Gen L § 6A-9-603 (2021)
2021 Rhode Island General Laws|Title 6A - Uniform Commercial Code|Chapter 6A-9 - Secured Transactions|Section 6A-9-603 - Agreement on standards concerning rights and duties.

§ 6A-9-603. Agreement on standards concerning rights and duties.(a) Agreed standards. The parties may determine by agreement the standards measuring the fulfillment of the rights of a debtor or obligor and the duties of a secured party under a rule stated in § 6A-9-602 if the standards are not manifestly unreasonable.(b) Agreed standards inapplicable to breach of peace. Subsection (a) does not apply to the duty under § 6A-9-609 to refrain from breaching the peace.History of Section.P.L. 2000, ch. 182, § 6; P.L. 2000, ch. 420, § 6.
RI Gen L § 6A-9-604 (2021)
2021 Rhode Island General Laws|Title 6A - Uniform Commercial Code|Chapter 6A-9 - Secured Transactions|Section 6A-9-604 - Procedure if security agreement covers real property or fixtures.

§ 6A-9-604. Procedure if security agreement covers real property or fixtures.(a) Enforcement: personal and real property. If a security agreement covers both personal and real property, a secured party may proceed:(1) Under this part as to the personal property without prejudicing any rights with respect to the real property; or(2) As to both the personal property and the real property in accordance with the rights with respect to the real property, in which case the other provisions of this part do not apply.(b) Enforcement: fixtures. Subject to subsection (c), if a security agreement covers goods that are or become fixtures, a secured party may proceed:(1) Under this part; or(2) In accordance with the rights with respect to real property, in which case the other provisions of this part do not apply.(c) Removal of fixtures. Subject to the other provisions of this part, if a secured party holding a security interest in fixtures has priority over all owners and encumbrancers of the real property, the secured party, after default, may remove the collateral from the real property.(d) Injury caused by removal. A secured party that removes collateral shall promptly reimburse any encumbrancer or owner of the real property, other than the debtor, for the cost of repair of any physical injury caused by the removal. The secured party need not reimburse the encumbrancer or owner for any diminution in value of the real property caused by the absence of the goods removed or by any necessity of replacing them. A person entitled to reimbursement may refuse permission to remove until the secured party gives adequate assurance for the performance of the obligation to reimburse.History of Section.P.L. 2000, ch. 182, § 6; P.L. 2000, ch. 420, § 6.
RI Gen L § 6A-9-605 (2021)
2021 Rhode Island General Laws|Title 6A - Uniform Commercial Code|Chapter 6A-9 - Secured Transactions|Section 6A-9-605 - Unknown debtor or secondary obligor.

§ 6A-9-605. Unknown debtor or secondary obligor.A secured party does not owe a duty based on its status as secured party:(1) To a person that is a debtor or obligor, unless the secured party knows:(i) That the person is a debtor or obligor;(ii) The identity of the person; and(iii) How to communicate with the person; or(2) To a secured party or lienholder that has filed a financing statement against a person, unless the secured party knows:(i) That the person is a debtor; and(ii) The identity of the person.History of Section.P.L. 2000, ch. 182, § 6; P.L. 2000, ch. 420, § 6.
RI Gen L § 6A-9-606 (2021)
2021 Rhode Island General Laws|Title 6A - Uniform Commercial Code|Chapter 6A-9 - Secured Transactions|Section 6A-9-606 - Time of default for agricultural lien.

§ 6A-9-606. Time of default for agricultural lien.For purposes of this part, a default occurs in connection with an agricultural lien at the time the secured party becomes entitled to enforce the lien in accordance with the statute under which it was created.History of Section.P.L. 2000, ch. 182, § 6; P.L. 2000, ch. 420, § 6.
RI Gen L § 6A-9-607 (2021)
2021 Rhode Island General Laws|Title 6A - Uniform Commercial Code|Chapter 6A-9 - Secured Transactions|Section 6A-9-607 - Collection and enforcement by secured party.

§ 6A-9-607. Collection and enforcement by secured party.(a) Collection and enforcement generally. If so agreed, and in any event after default, a secured party:(1) May notify an account debtor or other person obligated on collateral to make payment or otherwise render performance to or for the benefit of the secured party;(2) May take any proceeds to which the secured party is entitled under § 6A-9-315;(3) May enforce the obligations of an account debtor or other person obligated on collateral and exercise the rights of the debtor with respect to the obligation of the account debtor or other person obligated on collateral to make payment or otherwise render performance to the debtor, and with respect to any property that secures the obligations of the account debtor or other person obligated on the collateral;(4) If it holds a security interest in a deposit account perfected by control under § 6A-9-104(a)(1), may apply the balance of the deposit account to the obligation secured by the deposit account; and(5) If it holds a security interest in a deposit account perfected by control under § 6A-9-104(a)(2) or (3), may instruct the bank to pay the balance of the deposit account to or for the benefit of the secured party.(b) Nonjudicial enforcement of mortgage. If necessary to enable a secured party to exercise under subsection (a)(3) the right of a debtor to enforce a mortgage nonjudicially, the secured party may record in the office in which a record of the mortgage is recorded:(1) A copy of the security agreement that creates or provides for a security interest in the obligation secured by the mortgage; and(2) The secured party's sworn affidavit in recordable form stating that:(i) A default has occurred with respect to the obligation secured by the mortgage; and(ii) The secured party is entitled to enforce the mortgage nonjudicially.(c) Commercially reasonable collection and enforcement. A secured party shall proceed in a commercially reasonable manner if the secured party:(1) Undertakes to collect from or enforce an obligation of an account debtor or other person obligated on collateral; and(2) Is entitled to charge back uncollected collateral or otherwise to full or limited recourse against the debtor or a secondary obligor.(d) Expenses of collection and enforcement. A secured party may deduct from the collections made pursuant to subsection (c) reasonable expenses of collection and enforcement, including reasonable attorney's fees and legal expenses incurred by the secured party.(e) Duties to secured party not affected. This section does not determine whether an account debtor, bank, or other person obligated on collateral owes a duty to a secured party.History of Section.P.L. 2000, ch. 182, § 6; P.L. 2000, ch. 420, § 6; P.L. 2011, ch. 173, § 2; P.L. 2011, ch. 192, § 2.
RI Gen L § 6A-9-608 (2021)
2021 Rhode Island General Laws|Title 6A - Uniform Commercial Code|Chapter 6A-9 - Secured Transactions|Section 6A-9-608 - Application of proceeds of collection or enforcement; liability for deficiency and right to surplus.

§ 6A-9-608. Application of proceeds of collection or enforcement; liability for deficiency and right to surplus.(a) Application of proceeds, surplus, and deficiency if obligation secured. If a security interest or agricultural lien secures payment or performance of an obligation, the following rules apply:(1) A secured party shall apply or pay over for application the cash proceeds of collection or enforcement under § 6A-9-607 in the following order to:(i) The reasonable expenses of collection and enforcement and, to the extent provided for by agreement and not prohibited by law, reasonable attorney's fees and legal expenses incurred by the secured party;(ii) The satisfaction of obligations secured by the security interest or agricultural lien under which the collection or enforcement is made; and(iii) The satisfaction of obligations secured by any subordinate security interest in or other lien on the collateral subject to the security interest or agricultural lien under which the collection or enforcement is made if the secured party receives an authenticated demand for proceeds before distribution of the proceeds is completed.(2) If requested by a secured party, a holder of a subordinate security interest or other lien shall furnish reasonable proof of the interest or lien within a reasonable time. Unless the holder complies, the secured party need not comply with the holder's demand under paragraph (1)(iii).(3) A secured party need not apply or pay over for application noncash proceeds of collection and enforcement under § 6A-9-607 unless the failure to do so would be commercially unreasonable. A secured party that applies or pays over for application noncash proceeds shall do so in a commercially reasonable manner.(4) A secured party shall account to and pay a debtor for any surplus, and the obligor is liable for any deficiency.(b) No surplus or deficiency in sales of certain rights to payment. If the underlying transaction is a sale of accounts, chattel paper, payment intangibles, or promissory notes, the debtor is not entitled to any surplus, and the obligor is not liable for any deficiency.History of Section.P.L. 2000, ch. 182, § 6; P.L. 2000, ch. 420, § 6.
RI Gen L § 6A-9-609 (2021)
2021 Rhode Island General Laws|Title 6A - Uniform Commercial Code|Chapter 6A-9 - Secured Transactions|Section 6A-9-609 - Secured party's right to take possession after default.

§ 6A-9-609. Secured party's right to take possession after default.(a) Possession; rendering equipment unusable; disposition on debtor's premises. After default, a secured party:(1) May take possession of the collateral; and(2) Without removal, may render equipment unusable and dispose of collateral on a debtor's premises under § 6A-9-610.(b) Judicial and nonjudicial process. A secured party may proceed under subsection (a):(1) Pursuant to judicial process; or(2) Without judicial process, if it proceeds without breach of the peace; provided however, in the case of repossession of any motor vehicle without knowledge of the retail buyer, the local police department shall be notified of such repossession within one hour after obtaining such possession. In the absence of a local police department or if the local police department cannot be reached for notification, the state police shall be promptly notified of such repossession.(c) Assembly of collateral. If so agreed, and in any event after default, a secured party may require the debtor to assemble the collateral and make it available to the secured party at a place to be designated by the secured party which is reasonably convenient to both parties.History of Section.P.L. 2000, ch. 182, § 6; P.L. 2000, ch. 420, § 6.
RI Gen L § 6A-9-610 (2021)
2021 Rhode Island General Laws|Title 6A - Uniform Commercial Code|Chapter 6A-9 - Secured Transactions|Section 6A-9-610 - Disposition of collateral after default.

§ 6A-9-610. Disposition of collateral after default.(a) Disposition after default. After default, a secured party may sell, lease, license, or otherwise dispose of any or all of the collateral in its present condition or following any commercially reasonable preparation or processing.(b) Commercially reasonable disposition. Every aspect of a disposition of collateral, including the method, manner, time, place, and other terms, must be commercially reasonable. If commercially reasonable, a secured party may dispose of collateral by public or private proceedings, by one or more contracts, as a unit or in parcels, and at any time and place and on any terms.(c) Purchase by secured party. A secured party may purchase collateral:(1) At a public disposition; or(2) At a private disposition only if the collateral is of a kind that is customarily sold on a recognized market or the subject of widely distributed standard price quotations.(d) Warranties on disposition. A contract for sale, lease, license, or other disposition includes the warranties relating to title, possession, quiet enjoyment, and the like which by operation of law accompany a voluntary disposition of property of the kind subject to the contract.(e) Disclaimer of warranties. A secured party may disclaim or modify warranties under subsection (d):(1) In a manner that would be effective to disclaim or modify the warranties in a voluntary disposition of property of the kind subject to the contract of disposition; or(2) By communicating to the purchaser a record evidencing the contract for disposition and including an express disclaimer or modification of the warranties.(f) Record sufficient to disclaim warranties. A record is sufficient to disclaim warranties under subsection (e) if it indicates "There is no warranty relating to title, possession, quiet enjoyment, or the like in this disposition" or uses words of similar import.History of Section.P.L. 2000, ch. 182, § 6; P.L. 2000, ch. 420, § 6.
RI Gen L § 6A-9-611 (2021)
2021 Rhode Island General Laws|Title 6A - Uniform Commercial Code|Chapter 6A-9 - Secured Transactions|Section 6A-9-611 - Notification before disposition of collateral.

§ 6A-9-611. Notification before disposition of collateral.(a)"Notification date." In this section, "notification date" means the earlier of the date on which:(1) A secured party sends to the debtor and any secondary obligor an authenticated notification of disposition; or(2) The debtor and any secondary obligor waive the right to notification.(b) Notification of disposition required. Except as otherwise provided in subsection (d), a secured party that disposes of collateral under § 6A-9-610 shall send to the persons specified in subsection (c) a reasonable authenticated notification of disposition.(c) Persons to be notified. To comply with subsection (b), the secured party shall send an authenticated notification of disposition to:(1) The debtor;(2) Any secondary obligor; and(3) If the collateral is other than consumer goods:(i) Any other person from which the secured party has received, before the notification date, an authenticated notification of a claim of an interest in the collateral;(ii) Any other secured party or lienholder that, 10 days before the notification date, held a security interest in or other lien on the collateral perfected by the filing of a financing statement that:(A) Identified the collateral;(B) Was indexed under the debtor's name as of that date; and(C) Was filed in the office in which to file a financing statement against the debtor covering the collateral as of that date; and(iii) Any other secured party that, 10 days before the notification date, held a security interest in the collateral perfected by compliance with a statute, regulation, or treaty described in § 6A-9-311(a).(d) Subsection (b) inapplicable: perishable collateral; recognized market. Subsection (b) does not apply if the collateral is perishable or threatens to decline speedily in value or is of a type customarily sold on a recognized market.(e) Compliance with subsection (c)(3)(ii). A secured party complies with the requirement for notification prescribed by subsection (c)(3)(ii) if:(1) Not later than 20 days or earlier than 30 days before the notification date, the secured party requests, in a commercially reasonable manner, information concerning financing statements indexed under the debtor's name in the office indicated in subsection (c)(3)(ii); and(2) Before the notification date, the secured party:(i) Did not receive a response to the request for information; or(ii) Received a response to the request for information and sent an authenticated notification of disposition to each secured party or other lienholder named in that response whose financing statement covered the collateral.History of Section.P.L. 2000, ch. 182, § 6; P.L. 2000, ch. 420, § 6.
RI Gen L § 6A-9-612 (2021)
2021 Rhode Island General Laws|Title 6A - Uniform Commercial Code|Chapter 6A-9 - Secured Transactions|Section 6A-9-612 - Timeliness of notification before disposition of collateral.

§ 6A-9-612. Timeliness of notification before disposition of collateral.(a) Reasonable time is question of fact. Except as otherwise provided in subsection (b), whether a notification is sent within a reasonable time is a question of fact.(b)10-day period sufficient in non-consumer transaction. In a transaction other than a consumer transaction, a notification of disposition sent after default and 10 days or more before the earliest time of disposition set forth in the notification is sent within a reasonable time before the disposition.History of Section.P.L. 2000, ch. 182, § 6; P.L. 2000, ch. 420, § 6.
RI Gen L § 6A-9-613 (2021)
2021 Rhode Island General Laws|Title 6A - Uniform Commercial Code|Chapter 6A-9 - Secured Transactions|Section 6A-9-613 - Contents and form of notification before disposition of collateral - General.

§ 6A-9-613. Contents and form of notification before disposition of collateral — General.Except in a consumer-goods transaction, the following rules apply:(1) The contents of a notification of disposition are sufficient if the notification:(i) Describes the debtor and the secured party;(ii) Describes the collateral that is the subject of the intended disposition;(iii) States the method of intended disposition;(iv) States that the debtor is entitled to an accounting of the unpaid indebtedness and states the charge, if any, for an accounting; and(v) States the time and place of a public disposition or the time after which any other disposition is to be made.(2) Whether the contents of a notification that lacks any of the information specified in paragraph (1) are nevertheless sufficient is a question of fact.(3) The contents of a notification providing substantially the information specified in paragraph (1) are sufficient, even if the notification includes:(i) Information not specified by that paragraph; or(ii) Minor errors that are not seriously misleading.(4) A particular phrasing of the notification is not required.(5) The following form of notification and the form appearing in § 6A-9-614(3), when completed, each provides sufficient information:NOTIFICATION OF DISPOSITION OF COLLATERALTo: [Name of debtor, obligor, or other person to which the notification is sent] From: [Name, address, and telephone number of secured party] Name of Debtor(s): [Include only if debtor(s) are not an addressee] [For a public disposition:] We will sell [or lease or license, as applicable] the [describe collateral] [to the highest qualified bidder] in public as follows:  Day and Date: Time: Place: [For a private disposition:] We will sell [or lease or license, as applicable] the [describe collateral] privately sometime after [day and date].  You are entitled to an accounting of the unpaid indebtedness secured by the property that we intend to sell [or lease or license, as applicable] [for a charge of $ ]. You may request an accounting by calling us at [telephone number]  End of FormHistory of Section.P.L. 2000, ch. 182, § 6; P.L. 2000, ch. 420, § 6.
RI Gen L § 6A-9-615.1 (2021)
2021 Rhode Island General Laws|Title 6A - Uniform Commercial Code|Chapter 6A-9 - Secured Transactions|Section 6A-9-615.1 - Security interests - Cross collateral.

§ 6A-9-615.1. Security interests — Cross collateral.(a) In a credit transaction for the sale of consumer goods or services the creditor may, subject to the provisions on termination of security interests in subsections (b) and (c) of this section, take a security interest in property of the buyer in addition to the goods sold or upon which services are performed only if the creditor has an existing security interest in that property as a result of a prior sale. If two (2) or more credit transactions are consolidated into a single transaction or charged pursuant to a revolving or open end credit plan, the creditor may take a security interest in property sold in the subsequent transaction to secure the previous debt or debts outstanding.(b) If debts arising from two (2) or more credit transactions for the sale of consumer goods or services:(1) Are secured by cross collateral,(2) Are consolidated into one debt payable on a single schedule of payments, or(3) Are charged pursuant to a revolving or open end credit plan, and the debts are secured by security interests taken with respect to one or more of the transactions, payments received by the creditor after the taking of the cross collateral or the consolidation are deemed, for the purpose of determining the amount of the debt secured by the various security interests, to have been applied to the payment of the transaction first made. To the extent debts are paid according to this subsection, security interests in items of property terminate as the debts originally incurred with respect to each item is paid.(c) If the debts consolidated arose from two (2) or more transactions made on the same day, or if two (2) or more items are purchased as part of a single transaction, payments received by the creditor are deemed, for the purpose of determining the amount of the debt secured by the various security interests, to have been applied first to the payment of the smallest debt or the least expensive item.(d) A security interest taken in violation of this section is unenforceable and any creditor who attempts to take such a security interest may not retain or recover any finance, delinquency, collection, repossession, refinancing, or consolidation charges based upon the contract.History of Section.P.L. 2000, ch. 182, § 6; P.L. 2000, ch. 420, § 6.