reglab/housing_qa huggingface dataset:
KS Stat § 16a-4-107 (2021)
2021 Kansas Statutes|Chapter 16a - Consumer Credit Code|Article 4 - Insurance|16a-4-107 (UCCC) Maximum charge by creditor for insurance.

16a-4-107. (UCCC) Maximum charge by creditor for insurance. (1) Except as provided in subsection (2), if a creditor contracts for or receives a separate charge for insurance, the amount charged to the consumer for the insurance may not exceed the premium to be charged by the insurer, as computed at the time the charge to the consumer is determined, conforming to any rate filings required by law and made by the insurer with the commissioner of insurance.(2) A creditor who provides consumer credit insurance in relation to open end credit may calculate the charge to the consumer in each billing cycle by applying the current premium rate to the unpaid balance of debt in the same manner as is permitted with respect to finance charges by the provisions on finance charges for consumer credit sales pursuant to open end credit (section 16a-2-202).History: L. 1973, ch. 85, § 67; January 1, 1974.
KS Stat § 16a-4-108 (2021)
2021 Kansas Statutes|Chapter 16a - Consumer Credit Code|Article 4 - Insurance|16a-4-108 (UCCC) Refund or credit required; amount.

16a-4-108. (UCCC) Refund or credit required; amount. (1) Upon prepayment in full of a consumer credit sale or consumer loan by the proceeds of consumer credit insurance, the consumer or his estate is entitled to a refund of any portion of a separate charge for insurance which by reason or prepayment is retained by the creditor or returned to him by the insurer unless the charge was computed from time to time on the basis of the balances of the consumer's account.(2) This article does not require a creditor to grant a refund or credit to the consumer if all refunds and credits due to him under this article amount to less than one dollar ($1), and except as provided in subsection (1) does not require the creditor to account to the consumer for any portion of a separate charge for insurance because:(a) The insurance is terminated by performance of the insurer's obligation;(b) the creditor pays or accounts for premiums to the insurer in amounts and at times determined by the agreement between them; or(c) the creditor receives directly or indirectly under any policy of insurance a gain or advantage not prohibited by law.(3) Except as provided in subsection (2), the creditor shall promptly make or cause to be made an appropriate refund or credit to the consumer with respect to any separate charge made to him for insurance if:(a) The insurance is not provided or is provided for a shorter term than that for which the charge to the consumer for insurance was computed; or(b) the insurance terminates prior to the end of the term for which it was written because of prepayment in full or otherwise.(4) A refund or credit required by subsection (3) is appropriate as to amount if it is computed according to a method prescribed or approved by the commissioner of insurance or a formula filed by the insurer with the commissioner of insurance at least thirty (30) days before the consumer's right to a refund or credit becomes determinable, unless the method or formula is employed after the commissioner of insurance notifies the insurer that he disapproves it.History: L. 1973, ch. 85, § 68; January 1, 1974.
KS Stat § 16a-4-109 (2021)
2021 Kansas Statutes|Chapter 16a - Consumer Credit Code|Article 4 - Insurance|16a-4-109 (UCCC) Existing insurance; choice of insurer; notice of option.

16a-4-109. (UCCC) Existing insurance; choice of insurer; notice of option. If a creditor requires insurance, the consumer shall have the option of providing the required insurance through an existing policy of insurance owned or controlled by the consumer, or through a policy to be obtained and paid for by the consumer, but the creditor may for reasonable cause decline the insurance provided by the consumer. The creditor shall provide the consumer with a written notice on the loan agreement or other instrument fully informing the consumer of the option authorized by this section.History: L. 1973, ch. 85, § 69; L. 1988, ch. 153, § 2; July 1.
KS Stat § 16a-4-110 (2021)
2021 Kansas Statutes|Chapter 16a - Consumer Credit Code|Article 4 - Insurance|16a-4-110 (UCCC) Charge for insurance in connection with a refinancing or consolidation; duplicate charges.

16a-4-110. (UCCC) Charge for insurance in connection with a refinancing or consolidation; duplicate charges. (1) A creditor may not contract for or receive a separate charge for insurance in connection with a refinancing (section 16a-2-504) or a consolidation (section 16a-2-505), unless:(a) The consumer agrees at or before the time of refinancing or consolidation that the charge may be made;(b) the consumer is or is to be provided with insurance for an amount or a term, or insurance of a kind, in addition to that to which he would have been entitled had there been no refinancing or consolidation;(c) the consumer receives a refund or credit on account of any unexpired term of existing insurance in the amount that would be required if the insurance were terminated (section 16a-4-108); and(d) the charge does not exceed the amount permitted by this article (section 16a-4-107).(2) A creditor may not contract for or receive a separate charge for insurance which duplicates insurance with respect to which the creditor has previously contracted for or received a separate charge.History: L. 1973, ch. 85, § 70; L. 1993, ch. 200, § 13; January 1, 1994.
KS Stat § 16a-4-111 (2021)
2021 Kansas Statutes|Chapter 16a - Consumer Credit Code|Article 4 - Insurance|16a-4-111 (UCCC) Cooperation between administrator and commissioner of insurance.

16a-4-111. (UCCC) Cooperation between administrator and commissioner of insurance. The administrator and the commissioner of insurance are authorized and directed to consult and assist one another in maintaining compliance with this article. They may jointly pursue investigations, prosecute suits, and take other official action, as may seem to them appropriate, if either of them is otherwise empowered to take the action. If the administrator is informed of a violation or suspected violation by an insurer of this article, or of the insurance laws, rules, and regulations of this state, he shall advise the commissioner of insurance of the circumstances.History: L. 1973, ch. 85, § 71; January 1, 1974.
KS Stat § 16a-4-112 (2021)
2021 Kansas Statutes|Chapter 16a - Consumer Credit Code|Article 4 - Insurance|16a-4-112 (UCCC) Administrative action of commissioner of insurance.

16a-4-112. (UCCC) Administrative action of commissioner of insurance. (1) To the extent that the commissioner's responsibility under this article requires, the commissioner of insurance shall issue rules with respect to insurers, and with respect to refunds (K.S.A. 16a-4-108, and amendments thereto), forms, schedules of premium rates and charges (K.S.A. 16a-4-203, and amendments thereto), and the commissioner's approval or disapproval thereof and, in case of violation, may make an order for compliance.(2) Each provision on administrative procedures and judicial review of the article on administration (article 6) which applies to and governs administrative action taken by the administrator also applies to and governs all administrative action taken by the commissioner of insurance pursuant to this section.History: L. 1973, ch. 85, § 72; L. 1999, ch. 107, § 25; July 1.
KS Stat § 16a-4-201 (2021)
2021 Kansas Statutes|Chapter 16a - Consumer Credit Code|Article 4 - Insurance|16a-4-201 (UCCC) Term of insurance.

16a-4-201. (UCCC) Term of insurance. (1) Consumer credit insurance provided by a creditor may be subject to the furnishing of evidence of insurability satisfactory to the insurer. Whether or not such evidence is required, the term of the insurance shall commence no later than when the consumer becomes obligated to the creditor or when the consumer applies for the insurance, whichever is later, except as follows:(a) If any required evidence of insurability is not furnished until more than thirty (30) days after the term would otherwise commence, the term may commence on the date when the insurer determines the evidence to be satisfactory; or(b) if the creditor provides insurance not previously provided covering debts previously created, the term may commence on the effective date of the policy.(2) The originally scheduled term of the insurance shall extend at least until the due date of the last scheduled payment of the debt except as follows:(a) If the insurance relates to an open end credit account, the term need extend only until the payment of the debt under the account and may be sooner terminated after at least thirty (30) days' notice to the consumer; or(b) if the consumer is advised in writing that the insurance will be written for a specified shorter time, the term need extend only until the end of the specified time.(3) The term of the insurance shall not extend more than fifteen (15) days after the originally scheduled due date of the last scheduled payment of the debt unless it is extended without additional cost to the consumer or as an incident to a deferral, refinancing, or consolidation.History: L. 1973, ch. 85, § 73; January 1, 1974.
KS Stat § 16a-4-202 (2021)
2021 Kansas Statutes|Chapter 16a - Consumer Credit Code|Article 4 - Insurance|16a-4-202 (UCCC) Amount of insurance.

16a-4-202. (UCCC) Amount of insurance. (1) Except as provided in subsection (2):(a) In the case of consumer credit insurance providing life coverage, the amount of insurance may not initially exceed the debt and, if the debt is payable in installments, may not at any time exceed the greater of the scheduled or actual amount of the debt; or(b) in the case of any other consumer credit insurance, the total amount of periodic benefits payable may not exceed the total of scheduled unpaid installments of the debt, and the amount of any periodic benefit may not exceed the original amount of debt divided by the number of periodic installments in which it is payable.(2) If consumer credit insurance is provided in connection with an open end credit account, the amounts payable as insurance benefits may be reasonably commensurate with the amount of debt as it exists from time to time. If consumer credit insurance is provided in connection with a commitment to grant credit in the future, the amounts payable as insurance benefits may be reasonably commensurate with the total from time to time of the amount of debt and the amount of the commitment.History: L. 1973, ch. 85, § 74; L. 1988, ch. 85, § 9; July 1.
KS Stat § 16a-4-203 (2021)
2021 Kansas Statutes|Chapter 16a - Consumer Credit Code|Article 4 - Insurance|16a-4-203 (UCCC) Filing and approval of rates and forms.

16a-4-203. (UCCC) Filing and approval of rates and forms. (1) A creditor may not use a form or a schedule of premium rates or charges, the filing of which is required by this section, if the commissioner of insurance has disapproved the form or schedule and has notified the insurer of his disapproval. A creditor may not use a form or schedule unless:(a) The form or schedule has been on file with the commissioner of insurance for thirty (30) days, or has earlier been approved by him; and(b) the insurer has complied with this section with respect to the insurance.(2) Except as provided in subsection (3), all policies, certificates of insurance, notices of proposed insurance, applications for insurance, endorsements and riders relating to consumer credit insurance delivered or issued for delivery in this state, and the schedules of premium rates or charges pertaining thereto, shall be filed by the insurer with the commissioner of insurance. Within thirty (30) days after the filing of any form or schedule, he shall disapprove it if the premium rates or charges are unreasonable in relation to the benefits provided under the form, or if the form contains provisions which are unjust, unfair, inequitable, or deceptive, or encourage misrepresentation of the coverage, or are contrary to any provision of the insurance code or of any rule or regulation promulgated thereunder.(3) If a group policy has been delivered in another state, the forms to be filed by the insurer with the commissioner of insurance are the group certificates and notices of proposed insurance. He shall approve them if:(a) They provide the information that would be required if the group policy were delivered in this state; and(b) the applicable premium rates or charges do not exceed those established by his rules or regulations.History: L. 1973, ch. 85, § 75; January 1, 1974.
KS Stat § 16a-4-301 (2021)
2021 Kansas Statutes|Chapter 16a - Consumer Credit Code|Article 4 - Insurance|16a-4-301 (UCCC) Property insurance.

16a-4-301. (UCCC) Property insurance. (1) A creditor may not contract for or receive a separate charge for insurance against loss of or damage to property unless:(a) The insurance covers a substantial risk of loss of or damage to property related to the credit transaction;(b) the amount, terms, and conditions of the insurance are reasonable in relation to the character and value of the property insured or to be insured; and(c) the term of the insurance is reasonable in relation to the terms of credit.(2) The term of the insurance is reasonable if it is customary and does not extend substantially beyond a scheduled maturity.(3) A creditor may not contract for or receive a separate charge for insurance against loss of or damage to property unless property is purchased pursuant to a credit card or in a transaction pursuant to open end credit, or unless the amount financed exclusive of charges for the insurance is $900 or more, and the value of the property is $900 or more.History: L. 1973, ch. 85, § 76; L. 1999, ch. 107, § 24; July 1.
KS Stat § 16a-4-302 (2021)
2021 Kansas Statutes|Chapter 16a - Consumer Credit Code|Article 4 - Insurance|16a-4-302 (UCCC) Insurance on creditor's interest only.

16a-4-302. (UCCC) Insurance on creditor's interest only. If a creditor contracts for or receives a separate charge for insurance against loss of or damage to property, the risk of loss or damage not willfully caused by the consumer is on the consumer only to the extent of any deficiency in the effective coverage of the insurance, even though the insurance covers only the interest of the creditor.History: L. 1973, ch. 85, § 77; January 1, 1974.
KS Stat § 16a-4-303 (2021)
2021 Kansas Statutes|Chapter 16a - Consumer Credit Code|Article 4 - Insurance|16a-4-303 (UCCC) Liability insurance.

16a-4-303. (UCCC) Liability insurance. A creditor may not contract for or receive a separate charge for insurance against liability unless the insurance covers a substantial risk of liability arising out of the ownership or use of property related to the credit transaction.History: L. 1973, ch. 85, § 78; January 1, 1974.
KS Stat § 16a-4-304 (2021)
2021 Kansas Statutes|Chapter 16a - Consumer Credit Code|Article 4 - Insurance|16a-4-304 (UCCC) Cancellation by creditor.

16a-4-304. (UCCC) Cancellation by creditor. A creditor shall not request cancellation of a policy of property or liability insurance except after the consumer's default or in accordance with a written authorization by the consumer, and in either case the cancellation does not take effect until written notice is delivered to the consumer or mailed to him at his address as stated by him. The notice shall state that the policy may be cancelled on a date not less than ten (10) days after the notice is delivered, or, if the notice is mailed, not less than thirteen (13) days after it is mailed.History: L. 1973, ch. 85, § 79; January 1, 1974.
KS Stat § 16a-5-101 (2021)
2021 Kansas Statutes|Chapter 16a - Consumer Credit Code|Article 5 - Remedies And Penalties|16a-5-101 (UCCC) Short title.

16a-5-101. (UCCC) Short title. This article shall be known and may be cited as revised uniform consumer credit code—remedies and penalties.History: L. 1973, ch. 85, § 80; January 1, 1974.
KS Stat § 16a-5-102 (2021)
2021 Kansas Statutes|Chapter 16a - Consumer Credit Code|Article 5 - Remedies And Penalties|16a-5-102 (UCCC) Scope.

16a-5-102. (UCCC) Scope. This part applies to actions or other proceedings to enforce rights arising from consumer credit transactions and, in addition, to extortionate extensions of credit (section 16a-5-107).History: L. 1973, ch. 85, § 81; January 1, 1974.
KS Stat § 16a-5-107 (2021)
2021 Kansas Statutes|Chapter 16a - Consumer Credit Code|Article 5 - Remedies And Penalties|16a-5-107 (UCCC) Extortionate extensions of credit.

16a-5-107. (UCCC) Extortionate extensions of credit. (1) If it is the understanding of the creditor and the consumer at the time an extension of credit is made that delay in making repayment or failure to make repayment could result in the use of violence or other criminal means to cause harm to the person, reputation, or property of any person, the repayment of the extension of credit is unenforceable through civil judicial processes against the consumer.(2) If it is shown that an extension of credit was made at an annual rate exceeding thirty-six percent (36%) calculated according to the actuarial method and that the creditor then had a reputation for the use or threat of use of violence or other criminal means to cause harm to the person, reputation, or property of any person to collect extensions of credit or to punish the nonrepayment thereof, there is prima facie evidence that the extension of credit was unenforceable under subsection (1).History: L. 1973, ch. 85, § 83; January 1, 1974.
KS Stat § 16a-5-108 (2021)
2021 Kansas Statutes|Chapter 16a - Consumer Credit Code|Article 5 - Remedies And Penalties|16a-5-108 (UCCC) Unconscionability; inducement by unconscionable conduct.

16a-5-108. (UCCC) Unconscionability; inducement by unconscionable conduct. (1) With respect to a consumer credit transaction, if the trier of fact finds:(a) The agreement to have been unconscionable at the time it was made, or to have been induced by unconscionable conduct, the court may refuse to enforce the agreement; or(b) any clause of the agreement to have been unconscionable at the time it was made, the court may refuse to enforce the agreement, or may enforce the remainder of the agreement without the unconscionable clause, or may so limit the application of any unconscionable clause as to avoid any unconscionable result.(2) If it is claimed or appears to the trier of fact that the agreement or any clause thereof may be unconscionable the parties shall be afforded a reasonable opportunity to present evidence as to its setting, purpose, and effect to aid the court in making the determination.(3) For the purpose of this section, a charge or practice expressly permitted by this act is not unconscionable.History: L. 1973, ch. 85, § 84; January 1, 1974.
KS Stat § 16a-5-109 (2021)
2021 Kansas Statutes|Chapter 16a - Consumer Credit Code|Article 5 - Remedies And Penalties|16a-5-109 (UCCC) Default.

16a-5-109. (UCCC) Default. An agreement of the parties to a consumer credit transaction with respect to default on the part of the consumer is enforceable only to the extent that:(1) The consumer fails to make a payment as required by agreement; or(2) the prospect of payment, performance, or realization of collateral is significantly impaired; the burden of establishing the prospect of significant impairment is on the creditor.History: L. 1973, ch. 85, § 85; January 1, 1974.
KS Stat § 16a-5-110 (2021)
2021 Kansas Statutes|Chapter 16a - Consumer Credit Code|Article 5 - Remedies And Penalties|16a-5-110 (UCCC) Notice of consumer's right to cure.

16a-5-110. (UCCC) Notice of consumer's right to cure. (1) After a consumer has been in default for 10 days for failure to make a required payment in a consumer credit transaction payable in installments, a creditor may give the consumer the notice described in this section. A creditor gives notice to the consumer under this section when the creditor delivers the notice to the consumer or delivers or mails the notice to the address of the consumer's residence as provided in subsection (6) of K.S.A. 16a-1-201, and amendments thereto.(2) The notice shall be in writing and shall conspicuously state: The name, address, and telephone number of the creditor to which payment is to be made, a brief description of the credit transaction, the consumer's right to cure the default, the amount of payment and date by which payment must be made to cure the default and the consumer's possible liability for the reasonable costs of collection, including, but not limited to, court costs, attorney fees and collection agency fees, as provided in K.S.A. 16a-2-507, and amendments thereto. A notice in substantially the following form complies with this section:______________________________________(Name, address, and telephone number of creditor)______________________________________(Account number, if any)______________________________________(Brief description of credit transaction)________________ is the LAST DAY FOR PAYMENT(Date)________________  is the AMOUNT NOW DUE(Amount)You are late in making your payment(s). If you pay the AMOUNT NOW DUE (above) by the LAST DAY FOR PAYMENT (above), you may continue with the contract as though you were not late. If you do not pay by this date, we may exercise our rights under the law. You may be obligated to pay reasonable costs of collection, including, but not limited to, court costs, attorney fees and collection agency fees, except that such costs of collection: (1) May not include costs that were incurred by a salaried employee of the creditor or its assignee; (2) may not include the recovery of both attorney fees and collection agency fees; and (3) shall not be in excess of 15% of the unpaid debt after default.If you are late again in making your payments, we may exercise our rights without sending you another notice like this one. If you have questions, write or telephone the creditor promptly.History: L. 1973, ch. 85, § 86; L. 1974, ch. 91, § 2; L. 1994, ch. 276, § 2; July 1.
KS Stat § 16a-5-111 (2021)
2021 Kansas Statutes|Chapter 16a - Consumer Credit Code|Article 5 - Remedies And Penalties|16a-5-111 (UCCC) Cure of default.

16a-5-111. (UCCC) Cure of default. (1) This section applies to consumer credit transactions.(2) Except as provided in subsection (3), after a default consisting only of the consumer's failure to make a required payment in a consumer credit transaction payable in installments, a creditor may neither accelerate maturity of the unpaid balance of the obligation nor take possession of collateral because of that default until 20 days after a notice of the consumer's right to cure (K.S.A. 16a-5-110, and amendments thereto) is given. Until 20 days after the notice is given, the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency charges. Cure restores the consumer to the consumer's rights under the agreement as though the defaults had not occurred.(3) With respect to defaults on the same obligation after a creditor has once given a notice of consumer's right to cure (K.S.A. 16a-5-110, and amendments thereto), this section gives the consumer no right to cure and imposes no limitation on the creditor's right to proceed against the consumer or the collateral.History: L. 1973, ch. 85, § 87; L. 1974, ch. 91, § 3; L. 2005, ch. 144, § 17; July 1.
KS Stat § 16a-5-112 (2021)
2021 Kansas Statutes|Chapter 16a - Consumer Credit Code|Article 5 - Remedies And Penalties|16a-5-112 (UCCC) Creditor's right to take possession after default.

16a-5-112. (UCCC) Creditor's right to take possession after default. Upon default by a consumer, unless the consumer voluntarily surrenders possession of the collateral to the creditor, the creditor may take possession of the collateral without judicial process only if possession can be taken without entry into a dwelling and without the use of force or other breach of the peace.History: L. 1973, ch. 85, § 88; January 1, 1974.