reglab/housing_qa huggingface dataset:
AR Code § 4-114-110 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 114 - Service Contracts Act|§ 4-114-110. Obligation of reimbursement insurance policy insurers

 (a)  (1) A provider is considered to be the agent of the insurer that issued a reimbursement insurance policy for the purpose of obligating an insurer for the acts of its agents, including the collection of moneys not forwarded.  (2) If a provider is acting as an administrator and enlists other providers, the provider acting as the administrator shall notify the insurer of the existence and identities of the other providers.    (b) This chapter shall not prevent or limit the right of an insurer that issued a reimbursement insurance policy to seek indemnification or subrogation against a provider if the insurer pays or is obligated to pay a service contract holder sums that the provider was obligated to pay pursuant to the provisions of the service contract or under a contractual agreement.
AR Code § 4-114-111 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 114 - Service Contracts Act|§ 4-114-111. Enforcement provisions

 (a) The Insurance Commissioner may conduct investigations or examinations of providers, administrators, insurers, or other persons to enforce the provisions of this chapter and protect service contract holders in this state.  (b)  (1) The commissioner may take any action that is necessary or appropriate to enforce the provisions of this chapter and the commissioner's rules and orders to protect service contract holders in this state.  (2) The commissioner may order a provider to cease and desist from committing violations of this chapter or the commissioner's rules or orders, may issue an order prohibiting a provider from selling or offering a service contract for sale, or may issue an order imposing a civil penalty, or any combination of these, if the provider has violated this chapter or the commissioner's rules or orders.  (3)  (A) A person aggrieved by an order issued under this subsection may request a hearing before the commissioner by filing a request with the commissioner within twenty (20) days of the commissioner's order.  (B) Pending the hearing and the decision by the commissioner, the commissioner shall suspend the effective date of the order.  (C)  (i) At the hearing, the burden shall be on the commissioner to show why the order is justified.  (ii) The provisions of § 23-61-301 et seq. shall apply to a hearing requested under this subsection.      (4)  (A) The commissioner may bring an action in the Pulaski County Circuit Court for an injunction or other appropriate relief for threatened or existing violations of this chapter or of the commissioner's rules or orders.  (B) An action filed under subdivision (b)(3)(A) of this section may also seek restitution on behalf of persons aggrieved by a violation of this chapter or a rule or an order of the commissioner.    (5)  (A) A person in violation of this chapter or a rule or an order of the commissioner may be assessed a civil penalty not to exceed five hundred dollars ($500) per violation and no more than ten thousand dollars ($10,000) in the aggregate for all violations of a similar nature.  (B) For purposes of this subdivision (b)(5), violations shall be of a similar nature if the violation consists of the same or similar course of conduct, action, or practice, irrespective of the number of times the act, conduct, or practice that is determined to be a violation of this chapter has occurred.      (c) The authority of the commissioner under this section is in addition to other authorities of the commissioner.
AR Code § 4-114-112 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 114 - Service Contracts Act|§ 4-114-112. Rules

 The Insurance Commissioner may promulgate rules necessary to effectuate this chapter.
AR Code § 4-115-101 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 115 - Credit Card Processing Service|§ 4-115-101. Credit card processing service — Required disclosures — Prohibitions

 (a)  (1) Any person or entity that offers a credit card processing service in this state shall disclose the following information on any contract or agreement to render a credit card processing service:  (A) The effective date of the contract;  (B) The term of the contract;  (C) The amount of any monthly minimum fee or charge for the credit card processing service; and  (D) The amount of any fee or charge for terminating the contract or agreement.    (2) The disclosures required in subsection (a) of this section and any other terms and conditions pertaining to the use of the credit card processing service shall be printed in 8-point font at a minimum.    (b) A person or entity that offers a credit card processing service in this state shall not charge:  (1) A fee of more than fifty dollars ($50.00) for terminating a contract for credit card processing service; or  (2) A monthly minimum fee under a credit card processing service contract for more than one (1) month after the credit card processing service contract is terminated.    (c) Equipment rentals or lease purchase payments charged by a person or entity that offers a credit card processing service shall not be considered to be fees for the purposes of this chapter.
AR Code § 4-115-102 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 115 - Credit Card Processing Service|§ 4-115-102. Penalties and enforcement

 (a) A violation of the provisions of this chapter by a person or entity providing credit card processing service shall constitute an unfair and deceptive act or practice, as defined by § 4-88-101 et seq.  (b) All remedies, penalties, and authority granted to the Attorney General under § 4-88-101 et seq. shall be available to the Attorney General for the enforcement of this chapter.
AR Code § 4-115-103 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 115 - Credit Card Processing Service|§ 4-115-103. Applicability and exclusions

 (a) Nothing contained in this chapter shall:  (1) Affect the jurisdiction of state or federal bank regulators over the regulation of credit card processing services provided by state or national banks; or  (2) Limit the rights or remedies that are otherwise available to a person or an entity that has contracted with a credit card processing service.    (b) This chapter does not apply to:  (1) A contract entered into before August 1, 2007;  (2) A state bank, a national bank, or a savings association, each as defined in 12 U.S.C. § 1813, as it existed on January 1, 2009; or  (3) The parent, affiliate, or subsidiary of a state bank, a national bank, or a savings association, each as defined in 12 U.S.C. § 1813, as it existed on January 1, 2009.    (c) The obligations under this chapter are cumulative and do not limit the obligations imposed under any other state or federal law.
AR Code § 4-116-101 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 116 - Refund Anticipation Loan Act|§ 4-116-101. Title and intent

 (a) This act shall be known and referred to as the “Refund Anticipation Loan Act”.  (b) It is the intent of the General Assembly that this act shall protect consumers who enter into a refund anticipation loan and a refund anticipation check transaction.
AR Code § 4-116-102 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 116 - Refund Anticipation Loan Act|§ 4-116-102. Definitions

 (1) “Consumer” means a person who, individually or in conjunction with another consumer, is solicited for, applies for, or receives a refund anticipation loan or refund anticipation check;  (2) “Creditor” means a person who makes a refund anticipation loan or who takes an assignment of a refund anticipation loan;  (3)  (A) “Facilitator” means a person who, individually or in conjunction or cooperation with another person:  (i) Processes, receives, or accepts an application or agreement for a refund anticipation loan or refund anticipation check;  (ii) Services or collects upon a refund anticipation loan or refund anticipation check; or  (iii) Facilitates the making of a refund anticipation loan or refund anticipation check.    (B) “Facilitator” does not include a bank, savings and loan association, credit union, or person who acts solely as an intermediary and does not deal with the public in the making of a refund anticipation loan or refund anticipation check;    (4) “Refund anticipation check” means a check, stored value card, or other payment mechanism, representing the proceeds of the consumer's tax refund, which was issued by a depository institution or other person that received a direct deposit of the consumer's tax refund or tax credit and for which the consumer has paid a fee or other consideration for such payment mechanism.  (5)  (A) “Refund anticipation loan” means a loan arranged to be paid directly or indirectly from the proceeds of the consumer's income tax refund or tax credits.  (B) “Refund anticipation loan” includes any sale, assignment, or purchase of a consumer's tax refund at a discount or for a fee, whether or not the consumer is required to repay the buyer or assignee if the Internal Revenue Service denies or reduces the consumer's tax refund;    (6)  (A) “Refund anticipation loan fee” means any charges, fees, or other consideration charged or imposed directly or indirectly for the making of or in connection with a refund anticipation loan.  (B) “Refund anticipation loan fee” includes a charge, fee, or other consideration for a deposit account if the deposit account is used for receipt of the consumer's tax refund to repay the amount owed on the loan; and
AR Code § 4-116-103 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 116 - Refund Anticipation Loan Act|§ 4-116-103. Scope

 Unless a facilitator has complied with the provisions of this chapter, a facilitator, including any officer, agent, employee or representative, individually or in conjunction or cooperation with another person, shall not:   (1) Solicit the execution of, process, receive, or accept an application or agreement for a refund anticipation loan or refund anticipation check; or  (2) Facilitate the making of a refund anticipation loan or refund anticipation check.
AR Code § 4-116-104 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 116 - Refund Anticipation Loan Act|§ 4-116-104. Posting of fee schedules and disclosures

 (a) A facilitator shall display a schedule showing the current fees for refund anticipation loans or refund anticipation checks facilitated at the office.  (b) A facilitator also shall prominently display on each fee schedule the following information:  (1) Examples of the interest rates charged for refund anticipation loans in the amounts of:  (A) Two hundred fifty dollars ($250);  (B) Five hundred dollars ($500);  (C) One thousand dollars ($1,000); and  (D) Two thousand five hundred dollars ($2,500);    (2) A legend, centered, in bold capital letters, and in one-inch letters stating: “NOTICE CONCERNING REFUND ANTICIPATION LOANS”; and  (3) The following statement: “When you take out a refund anticipation loan, you are borrowing money against your tax refund. If your tax refund is less than expected, you will still owe the entire amount of the loan. If your refund is delayed, you may have to pay additional costs. YOU CAN USUALLY GET YOUR REFUND IN 8 TO 15 DAYS WITHOUT PAYING ANY EXTRA FEES AND TAKING OUT A LOAN. You can have your tax return filed electronically and your refund direct deposited into your own bank account without obtaining a loan or paying fees for an extra product.”    (c)  (1) The postings required by this section shall be made in no less than 28-point type on a document measuring no less than sixteen inches by twenty inches (16" x 20").  (2) The posting required in this section shall be displayed in a prominent location at each office where the facilitator is facilitating refund anticipation loans.    (d) A facilitator shall not facilitate a refund anticipation loan or refund anticipation check unless;  (1) The disclosures required by this section are displayed; and  (2) The fee charged for the refund anticipation loan or refund anticipation check is the same as the fee displayed on the schedule.
AR Code § 4-116-105 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 116 - Refund Anticipation Loan Act|§ 4-116-105. Application disclosures

 (a) When a consumer applies for a refund anticipation loan, the facilitator shall disclose to the consumer on a colored-paper form separate from the application in 14-point type face, the following information:  (1) The fee for the refund anticipation loan, including the fee for the tax preparation and other fees charged the consumer;  (2) The time within which the proceeds of the refund anticipation loan will be paid to the consumer if the loan is approved;  (3) For refund anticipation loans, the following disclosures:  (A) A legend, centered, in bold, capital letters, and in 18-point type stating: “NOTICE”; and  (B) The statement: “This is a loan. You are borrowing money against your tax refund. If your tax refund is less than expected, you will still owe the entire amount of the loan. If your refund is delayed, you may have to pay additional costs. YOU CAN USUALLY GET YOUR REFUND IN 8 TO 15 DAYS WITHOUT GETTING A LOAN OR PAYING EXTRA FEES. You can have your tax return filed electronically and your refund direct deposited into your bank account without obtaining a loan or other paid product.”; and    (4)  (A) For refund anticipation loans, disclosure of the refund anticipation loan interest rate.  (B) The refund anticipation loan interest rate shall be calculated utilizing the guidelines established under the federal Truth in Lending Act, 15 U.S.C. § 1601 et seq., as it existed on January 1, 2009.      (b) If a consumer applies for a refund anticipation check, the facilitator shall disclose to the consumer on a colored-paper form separate from the application in 14-point type face, the following information:  (1) The fee for the refund anticipation check, including the fee for tax preparation and other fees charged the consumer;  (2) The time within which the proceeds of the refund anticipation check will be paid to the consumer; and  (3) The following disclosures:  (A) A legend, centered, in bold, capital letters, and in 18-point type stating: “NOTICE”; and  (B) The statement: “You are paying [amount of refund anticipation check fee] to get your refund check through [name of issuer of the refund anticipation check]. YOU CAN AVOID THIS FEE AND STILL RECEIVE YOUR REFUND IN THE SAME AMOUNT OF TIME BY HAVING YOUR REFUND DIRECTLY DEPOSITED INTO YOUR BANK ACCOUNT. You can also wait for the Internal Revenue Service to mail you a check.”      (c) The facilitator shall provide to the consumer before completing the loan or check transaction in a form that can be kept by the consumer the following:  (1) The disclosures required by this subsection;  (2) A copy of the completed loan or check application and agreement; and  (3) For refund anticipation loans, the disclosures required by the federal Truth in Lending Act.    (d) The disclosures required by this section shall be provided in English and in the language used primarily for oral communication between the facilitator and the consumer.
AR Code § 4-116-106 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 116 - Refund Anticipation Loan Act|§ 4-116-106. Oral disclosures

 (a) If a consumer applies for a refund anticipation loan, the facilitator shall orally inform the consumer:  (1) That the product is a loan that lasts one (1) or two (2) weeks;  (2) That if the consumer's tax refund is less than expected, the consumer is liable for the full amount of the loan and must repay any difference;  (3) The amount of the refund loan fee; and  (4) The refund anticipation loan interest rate.    (b) If a consumer applies for a refund anticipation check, the facilitator shall orally inform the consumer:  (1) The amount of the refund check; and  (2) That the consumer may receive a refund in the same amount of time without a fee if the tax return is filed electronically and if the consumer directly deposits the refund in the consumer's own bank account.    (c) The disclosures required in this section shall be provided in the language primarily used for oral communication between the facilitator and the consumer.
AR Code § 4-116-107 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 116 - Refund Anticipation Loan Act|§ 4-116-107. Prohibited activities

 A facilitator shall not:   (1) Require a consumer to enter into a loan agreement in order to complete a tax return;  (2)  (A) Charge or impose any fee or charge or require other consideration in the making or facilitating of a refund anticipation loan or refund anticipation check apart from the fee charged by the creditor or bank that provides the loan or check.  (B)  (i) This section does not prohibit the charge or fee imposed by the facilitator to all of its customers if the same fee in the same amount is charged to customers who do not receive refund anticipation loans, refund anticipation checks, or other tax-related financial products.  (ii) This fee may include fees for tax return preparation;      (3) Engage in a transaction, practice, or course of business that operates a fraud upon a consumer in connection with a refund anticipation loan or refund anticipation check, including making oral statements contradicting any of the information required to be disclosed under this chapter;  (4) Directly or indirectly arrange for any third party to charge an interest, fee, or charge related to a refund anticipation loan or refund anticipation check, other than the refund anticipation loan or refund anticipation check fee imposed by the creditor, including without limitation charges for insurance, attorney's fees, other collection costs, or check cashing.  (5) Misrepresent a material fact or condition of a refund anticipation loan or refund anticipation check; and  (6) Fail to process the application for a refund anticipation loan promptly after the client applies for the loan.
AR Code § 4-116-108 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 116 - Refund Anticipation Loan Act|§ 4-116-108. Remedies

 (a) A facilitator who violates a provision of this chapter is in violation of the Deceptive Trade Practices Act, § 4-88-101 et seq., and a consumer shall have all rights and remedies provided under this law.  (b) A facilitator who willfully fails to comply with any provision of this chapter is liable to the consumer for:  (1) Actual and consequential damages;  (2) Statutory damages of one thousand dollars ($1,000); and  (3) Reasonable attorney's fees and costs.
AR Code § 4-117-101 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 117 - Distribution of Drug Samples|§ 4-117-101. Definitions

 As used in this chapter:   (1) “Authorized distributors of record” means those distributors with whom a drug manufacturer has established an ongoing relationship to distribute the drug manufacturer's products;  (2) “Board” means the Arkansas State Board of Pharmacy;  (3)  (A) “Distribute” means the distribution of drug samples.  (B) “Distribute” does not include the providing of a drug sample to a patient by a:  (i) Physician or practitioner licensed to prescribe the drug;  (ii) Health care professional acting at the direction and under the supervision of a physician or practitioner; or  (iii) Pharmacy that has been granted approval from the Arkansas State Board of Pharmacy to handle samples at the direction of a physician or practitioner and that received the sample under this chapter;      (4) “Drug” means all medicines and preparations recognized in the United States Pharmacopoeia or the National Formulary as substances intended to be used for the care, mitigation, or prevention of disease of either humans or other animals;  (5) “Drug sample” means a unit of a prescription drug that is not intended to be sold and is intended to promote the sale of the drug;  (6) “Licensed pharmacist” means a person holding a license under § 17-92-101 et seq.;  (7) “Pharmacy” means the place licensed by the board in which drugs, chemicals, medicines, prescriptions, and poisons are compounded, dispensed, or sold at retail; and  (8) “Physician” means a practitioner of medicine licensed under the laws of this state or some other state.
AR Code § 4-118-101 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 118 - Prepaid Mobile Device Protection Act|§ 4-118-101. Title

 This chapter shall be known and may be cited as the “Prepaid Mobile Device Protection Act”.
AR Code § 4-118-102 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 118 - Prepaid Mobile Device Protection Act|§ 4-118-102. Definitions

 As used in this chapter:   (1) “Minor” means an individual under eighteen (18) years of age;  (2)  (A) “Person” means an individual who is not related to a minor.  (B) “Person” does not mean a parent or grandparent, including without limitation a biological parent, adoptive parent, stepparent, fictive kin, legal guardian, temporary guardian, or other legal custodian of a minor;    (3) “Prepaid mobile device” means a cellular telephone or other communication device for which the mobile device user purchases a set allotment of wireless communication services; and  (4) “Wireless communication services” means any mobile service that is provided for profit and makes interconnected service available to the public.
AR Code § 4-118-103 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 118 - Prepaid Mobile Device Protection Act|§ 4-118-103. Prepaid mobile device

 It is unlawful for a person:   (1) To purchase a prepaid mobile device or refill a prepaid mobile device with wireless communication services on a previously purchased prepaid mobile device for a minor in this state; or  (2) To provide funds to a minor for the purpose of purchasing a prepaid mobile device or refilling a prepaid mobile device with wireless communication services on a previously purchased prepaid mobile device in this state.
AR Code § 4-118-104 (2020)
2020 Arkansas Code|Title 4 - Business and Commercial Law|Subtitle 7 - Consumer Protection|Chapter 118 - Prepaid Mobile Device Protection Act|§ 4-118-104. Penalty

 A person who violates this chapter or who knowingly purchases a prepaid mobile device or wireless communication services for a minor or provides funds to a minor for the purpose of purchasing a prepaid mobile device or refilling a prepaid mobile device with wireless communication services on a previously purchased prepaid mobile device shall be guilty of a violation and upon conviction shall be fined no less than one hundred dollars ($100).
AR Code § 5-1-101 (2020)
2020 Arkansas Code|Title 5 - Criminal Offenses|Subtitle 1 - General Provisions|Chapter 1 - General Provisions|§ 5-1-101. Title

 This act shall be known as the “Arkansas Criminal Code”.