reglab/housing_qa huggingface dataset:
MI Comp L § 445.835 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 468 of 2002 - Joe Gagnon Appliance Repair Act (445.831 - 445.837)|Section 445.835 - Final Bill.

445.835 Final bill. Sec. 5.  The final bill shall separately state in writing the following:  (a) The name and address of the service dealer as described in section 3(2)(a).  (b) Service call charges, if any.  (c) The labor charge.  (d) Parts charge, if any, including whether the parts were new or used and the actual part number and manufacturer.  (e) The warranty provided by the supplier of the part. If the service dealer has no knowledge of a supplier's or manufacturer's warranty or knows that no supplier's or manufacturer's warranty exists, he or she shall so state.  (f) The service dealer's labor warranty.  (g) Other charges, stated in detail.  (h) Sales tax.  (i) A statement that the customer, in order to enforce any warranty provided by this act, is required to notify the service dealer in writing, in person, or by telephone not later than the time period of the warranty for the part or labor.  (j) The right of a customer to bring an action under this act. History: 2002, Act 468, Imd. Eff. June 21, 2002
MI Comp L § 445.836 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 468 of 2002 - Joe Gagnon Appliance Repair Act (445.831 - 445.837)|Section 445.836 - Warranty.

445.836 Warranty. Sec. 6.  (1) A service dealer shall provide a warranty for not less than 30 days on the service dealer's labor regarding the repair of the appliance.  (2) Subsection (1) does not void, reduce, or supersede a warranty made by the manufacturer of the appliance and does not void any provisions of a service contract that covers the appliance.  (3) A warranty under subsection (1) requires the service dealer to correct, at no cost to the customer, any failure of the warranted parts if the customer notifies the service dealer in writing within the applicable warranty time period. A service dealer shall make a warranted correction in not more than 10 days after receipt of the written notice of the failure unless parts, after having been ordered in a timely manner, are not received by the service dealer. The service dealer shall make a written record of the ordering of those parts.  (4) A service dealer may impose a labor charge upon the receipt of a written notice of failure from a customer which is after the 30-day labor warranty described in subsection (1).  (5) A warranty issued under subsection (1) for service is extended by any period of time the service dealer has possession of the appliance for work related to the warranty. History: 2002, Act 468, Imd. Eff. June 21, 2002
MI Comp L § 445.837 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 468 of 2002 - Joe Gagnon Appliance Repair Act (445.831 - 445.837)|Section 445.837 - False Statement; Noncompliance; Remedies; Action Pursuant to Michigan Consumer Protection Act; Other Remedies.

445.837 False statement; noncompliance; remedies; action pursuant to Michigan consumer protection act; other remedies. Sec. 7.  (1) A service dealer who makes a false statement of a character likely to influence, persuade, or induce a customer to authorize the repair, service, or maintenance of an appliance or who fails to substantially comply with the disclosure requirements of this act is subject to the remedies prescribed by subsection (2).  (2) A person may bring an action in a court of competent jurisdiction for actual damages resulting from a violation of this act in the amount of his or her actual damages or $250.00, whichever is greater, together with reasonable attorney fees. The court may award up to twice the amount of damages if it finds that the violation of this act was willful.  (3) This act does not prohibit the attorney general, a prosecuting attorney, or a person who has suffered a loss as a result of a violation of this act from bringing an action pursuant to the Michigan consumer protection act, 1976 PA 331, MCL 445.901 to 445.922, for any act or omission relative to this act.  (4) The remedies under this section are cumulative and independent. The use of 1 remedy by a person or the department of attorney general shall not bar the use of other lawful remedies, including injunctive relief, by that person or the department of attorney general. History: 2002, Act 468, Imd. Eff. June 21, 2002
MI Comp L § 445.851 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 224 of 1966 - Retail Installment Sales Act (445.851 - 445.873)|Section 445.851 - Retail Installment Sales Act; Short Title.

445.851 Retail installment sales act; short title. Sec. 1.  This act shall be known and may be cited as the "retail installment sales act". History: 1966, Act 224, Eff. Mar. 10, 1967
MI Comp L § 445.851a (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 224 of 1966 - Retail Installment Sales Act (445.851 - 445.873)|Section 445.851a - Truth in Lending Act; Effect of Compliance.

445.851a Truth in lending act; effect of compliance. Sec. 1a.  Compliance with the requirements of the truth in lending act, title I of Public Law 90-321, 15 U.S.C. 1601 to 1608, 1610 to 1613, 1615, 1631 to 1635, 1637 to 1638, 1640 to 1647, and 1661 to 1667e, is compliance with the disclosure provisions of sections 3(d) and 12(b). History: Add. 1969, Act 31, Imd. Eff. July 10, 1969 ;-- Am. 1993, Act 112, Eff. Sept. 19, 1993
MI Comp L § 445.854 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 224 of 1966 - Retail Installment Sales Act (445.851 - 445.873)|Section 445.854 - Retail Installment Contracts; Single Document Not Required; Sales Slip, Account Book, Other Written Statements.

445.854 Retail installment contracts; single document not required; sales slip, account book, other written statements. Sec. 4.  A retail installment contract need not be contained in a single document. If the contract is contained in more than 1 document, 1 such document may be an original document signed by the retail buyer, stated to be applicable to purchases of goods or services to be made by the retail buyer from time to time. In such case, the document, together with the sales slip, account book or other written statement relating to each purchase, shall set forth all of the information required by this subsection and shall constitute the retail installment contract for each purchase. On each succeeding purchase pursuant to such original document, the sales slip, account book or other written statement at the option of the seller may constitute the memorandum required by section 11. No seller shall induce a buyer to become obligated at substantially the same time under more than 1 retail installment contract for the purpose of obtaining a higher time price differential than would apply to 1 contract. History: 1966, Act 224, Eff. Mar. 10, 1967
MI Comp L § 445.855 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 224 of 1966 - Retail Installment Sales Act (445.851 - 445.873)|Section 445.855 - Transactions Negotiated and Entered Into by Mail or Telephone; Applicable Provisions of Act; Memorandum.

445.855 Transactions negotiated and entered into by mail or telephone; applicable provisions of act; memorandum. Sec. 5.  (1) A retail installment transaction negotiated and entered into by mail or telephone without personal solicitations by a salesperson or other representative of the seller and based upon a catalog of the seller, or other printed solicitation which clearly sets forth the cash sale prices and other terms of sales to be made through the medium may be made as provided in this section. The provisions of this act with respect to a retail installment transaction shall be applicable to the sale, except that:  (a) The designation and notice provisions of sections 3(a) and 12(a) shall not be applicable to the retail installment contract or retail charge agreement.  (b) The retail installment contract or retail charge agreement, when completed by the buyer, need not contain the items required by section 3(d) or 12(a). When the retail installment contract or retail charge agreement is received from the retail buyer, the seller shall either prepare a written memorandum containing all of the information required by section 3(d) to be included in a retail installment transaction or shall deliver a copy of the retail charge agreement to the retail buyer as provided in section 12(a) prior to the due date of the first installment or payment payable under the contract or agreement.  (2) When the retail installment contract or retail charge agreement is received from the retail buyer, the seller shall prepare a written memorandum containing all of the information required by sections 3(d) and 12(a) to be included in a retail installment transaction. Instead of delivering a copy of the contract or agreement to the retail buyer as provided in sections 3(b) and 12(a), the seller shall deliver to the buyer a copy of the memorandum prior to the due date of the first installment or payment payable under the contract or agreement. History: 1966, Act 224, Eff. Mar. 10, 1967 ;-- Am. 1977, Act 127, Eff. Jan. 1, 1978
MI Comp L § 445.856 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 224 of 1966 - Retail Installment Sales Act (445.851 - 445.873)|Section 445.856 - Retail Installment Contracts; Blank Space; Filling.

445.856 Retail installment contracts; blank space; filling. Sec. 6.  A retail installment contract shall not be signed by any party thereto when it contains blank spaces of items which are essential provisions of the transaction, but if delivery of the goods is not made at the time of the execution of the contract, the identifying numbers or marks of the goods or similar information and the due date of the first installment may be inserted by the seller in the seller's counterpart of the contract after it has been signed by the buyer. The buyer's acknowledgment, conforming to the requirement of subsection (b) of section 3, of delivery of a copy of the contract shall be presumptive proof, or, in the case of a holder of the contract without knowledge to the contrary when he purchases it, conclusive proof of such delivery and of compliance with this subsection and any other requirement relating to completion of the contract prior to execution thereof by the buyer, in any action or proceeding. History: 1966, Act 224, Eff. Mar. 10, 1967
MI Comp L § 445.857 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 224 of 1966 - Retail Installment Sales Act (445.851 - 445.873)|Section 445.857 - Time Price Differential; Limitation; Computation; Minimum Time Price Differential.

445.857 Time price differential; limitation; computation; minimum time price differential. Sec. 7.  A retail installment contract may provide for, and the seller or holder may then charge, collect, and receive a time price differential that does not exceed the rate of interest or its equivalent permitted a regulated lender by the credit reform act. The time price differential may be computed on the basis of a full month for a fractional portion of a month in excess of 10 days. A minimum time price differential of not more than $10.00 may be charged, received, and collected on each contract, whether or not the contract is prepaid. History: 1966, Act 224, Eff. Mar. 10, 1967 ;-- Am. 1978, Act 97, Imd. Eff. Apr. 5, 1978 ;-- Am. 1995, Act 167, Eff. Mar. 28, 1996
MI Comp L § 445.858 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 224 of 1966 - Retail Installment Sales Act (445.851 - 445.873)|Section 445.858 - Prepayment of Unpaid Balance; Amount of Refund Credit.

445.858 Prepayment of unpaid balance; amount of refund credit. Sec. 8.  (1) Notwithstanding contrary provisions of a retail installment contract, a buyer may prepay in full the unpaid balance of the retail installment contract at any time before its final due date and, if the buyer does so, shall receive a refund credit for the prepayment, except as provided in section 23. The amount of the refund credit shall not be less than the amount that would be refunded using the actuarial method.  (2) A refund credit of less than $1.00 need not be made. History: 1966, Act 224, Eff. Mar. 10, 1967 ;-- Am. 1978, Act 97, Imd. Eff. Apr. 5, 1978 ;-- Am. 1995, Act 167, Eff. Mar. 28, 1996
MI Comp L § 445.859 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 224 of 1966 - Retail Installment Sales Act (445.851 - 445.873)|Section 445.859 - Installment Contract or Retail Charge Agreement; Delinquency and Collection Charge.

445.859 Installment contract or retail charge agreement; delinquency and collection charge. Sec. 9.  The holder of an installment contract or retail charge agreement, or retail charge agreement including a contract subject to section 23, if it so provides, may collect a delinquency and collection charge on each installment in default for a period of more than 10 days. A delinquency and collection charge is not a liquidated damage. History: 1966, Act 224, Eff. Mar. 10, 1967 ;-- Am. 1993, Act 112, Eff. Sept. 19, 1993 ;-- Am. 1995, Act 167, Eff. Mar. 28, 1996
MI Comp L § 445.860 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 224 of 1966 - Retail Installment Sales Act (445.851 - 445.873)|Section 445.860 - Retail Installment Contracts; Statement of Dates, Payments and Unpaid Balances; Receipt.

445.860 Retail installment contracts; statement of dates, payments and unpaid balances; receipt. Sec. 10.  Upon written request of the buyer, the holder of a retail installment contract shall give or forward to the buyer a written statement of the dates and amounts of payments and the total amount unpaid under the contract. A buyer shall be given a written receipt for any payment when made in cash. The statement or receipt shall be given the buyer once without charge; if any additional statement is requested by the buyer, it shall be supplied by the holder at a charge not in excess of $1.00 for each additional statement or receipt so supplied. History: 1966, Act 224, Eff. Mar. 10, 1967
MI Comp L § 445.862a (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 224 of 1966 - Retail Installment Sales Act (445.851 - 445.873)|Section 445.862a - Submission of Invoice Evidencing Credit Card Sale.

445.862a Submission of invoice evidencing credit card sale. Sec. 12a.  If a retail seller elects to accept a credit card issued by a bank, the retail seller shall not submit an invoice evidencing such credit card sale to the card issuer until the goods or services purchased with the credit card have been delivered to the purchaser. History: Add. 1978, Act 120, Imd. Eff. Apr. 25, 1978
MI Comp L § 445.863 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 224 of 1966 - Retail Installment Sales Act (445.851 - 445.873)|Section 445.863 - Retail Installment Contracts or Charge Agreements; Insurance Included in Cost; Requirements; Minimum Charges; Refunds.

445.863 Retail installment contracts or charge agreements; insurance included in cost; requirements; minimum charges; refunds. Sec. 13.  (a) If the cost of insurance is included in the retail installment contract or the retail charge agreement and a separate charge is made to the buyer for the insurance:  (1) The contract or agreement shall state the nature, purpose and the amount of the insurance.  (2) The contract or agreement shall state whether the insurance is to be procured by the buyer or the seller.  (3) The amount included for the insurance may not exceed the premiums chargeable in accordance with the rate fixed for the insurance by the insurer except where the amount is less than $1.00; and if the insurance is cancelled or terminated for any reason, any refund for unearned insurance premiums received by the seller or the holder, shall be credited to the final maturing installments of the retail installment contract or retail charge agreement, and any remaining balance of the unearned insurance premiums shall be refunded to the buyer. No credit or cash refund shall be required if the amount thereof is less than $1.00.  (b) If the insurance is to be procured by the seller or holder, within 45 days after delivery of the goods or furnishing of the services under the contract or agreement he shall deliver, mail, or cause to be delivered or mailed to the buyer at his address as specified in the contract or agreement, a notice that the insurance is procured, a copy of the policy or policies of insurance, or a certificate of the insurance so procured. History: 1966, Act 224, Eff. Mar. 10, 1967
MI Comp L § 445.865 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 224 of 1966 - Retail Installment Sales Act (445.851 - 445.873)|Section 445.865 - Purchase or Acquisition of Retail Installment Contract or Retail Charge Agreement by Assignee; Terms, Conditions, and Price; Evidence of Obligation; Validity of Written Assignment; Notice; Payment to Last Known Holder; Claims and Defenses; Sales to Which Section Applicable.

445.865 Purchase or acquisition of retail installment contract or retail charge agreement by assignee; terms, conditions, and price; evidence of obligation; validity of written assignment; notice; payment to last known holder; claims and defenses; sales to which section applicable. Sec. 15.  Notwithstanding the provisions of any other law and notwithstanding any agreement to the contrary:  (a) An assignee may purchase or acquire or agree to purchase or acquire any retail installment contract or retail charge agreement or any outstanding balance under either from a seller on the terms and conditions and for a price as may be mutually agreed upon, but a person shall not take a negotiable instrument, other than a currently dated check or draft, as evidence of the obligation of the buyer in a retail installment transaction.  (b) Filing of the assignment, notice to the buyer of the assignment, and any requirement that the seller be deprived of dominion over payments upon a retail installment contract or retail charge agreement, or over the goods if returned to or repossessed by the seller, shall not be necessary to the validity of a written assignment of the retail installment contract or retail charge agreement or any outstanding balance under either as against creditors, subsequent purchasers, pledgees, mortgagees, and lien claimants of the seller.  (c) Unless the assignee gives written notice of the assignment to the buyer by certified mail, or personally serves the buyer with the notice, a payment made by the buyer to the holder last known to the buyer shall be binding upon all subsequent holders.  (d) A holder of a retail installment contract of the buyer is subject to all the claims and defenses of the buyer arising out of the retail installment transaction, but the buyer's recovery shall not exceed the amount paid to the holder thereunder.  (e) This section shall apply only to sales made pursuant to a retail installment contract. History: 1966, Act 224, Eff. Mar. 10, 1967 ;-- Am. 1972, Act 161, Eff. Jan. 1, 1973 ;-- Am. 1980, Act 76, Imd. Eff. Apr. 3, 1980
MI Comp L § 445.865a (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 224 of 1966 - Retail Installment Sales Act (445.851 - 445.873)|Section 445.865a - Contracts, Agreements, or Other Transactions Considered Made in State; Offer or Agreement to Sell in State; Acceptance or Offer to Buy in State.

445.865a Contracts, agreements, or other transactions considered made in state; offer or agreement to sell in state; acceptance or offer to buy in state. Sec. 15a.  (1) For the purposes of this act, a retail installment contract, retail charge agreement, or other retail installment transaction shall be considered to have been made in this state if either the seller offers or agrees in this state to sell to a buyer who is a resident of this state or the buyer accepts or makes the offer in this state to buy, regardless of the specified situs of the contract or agreement.  (2) An oral or written solicitation or communication to sell originating outside this state, but forwarded to, directed to, and received in this state by a buyer who is a resident of this state shall be considered an offer or agreement to sell in this state.  (3) An oral or written solicitation or communication to buy originating within this state from a buyer who is a resident of this state, but forwarded, directed to, and received by a retail seller outside of this state shall be considered an acceptance or offer to buy in this state. History: Add. 1977, Act 127, Eff. Jan. 1, 1978
MI Comp L § 445.866 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 224 of 1966 - Retail Installment Sales Act (445.851 - 445.873)|Section 445.866 - Waiver of Act as to Buyers' Protection Prohibited.

445.866 Waiver of act as to buyers' protection prohibited. Sec. 16.  No act or agreement of the retail buyer before or at the time of the making of a retail installment contract, retail charge agreement or purchase thereunder shall constitute a valid waiver of any of the provisions of this act or of any remedies granted to the buyer by law. History: 1966, Act 224, Eff. Mar. 10, 1967
MI Comp L § 445.867 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 224 of 1966 - Retail Installment Sales Act (445.851 - 445.873)|Section 445.867 - Violation of Act; Misdemeanor.

445.867 Violation of act; misdemeanor. Sec. 17.  Any person who wilfully and intentionally violates any provisions of this act shall be guilty of a misdemeanor. History: 1966, Act 224, Eff. Mar. 10, 1967
MI Comp L § 445.868 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 224 of 1966 - Retail Installment Sales Act (445.851 - 445.873)|Section 445.868 - Violation of Act; Effect as to Recovery Rights of Seller.

445.868 Violation of act; effect as to recovery rights of seller. Sec. 18.  Any seller who enters into any contract or agreement which does not comply with the provisions of this act or who violates any provision of this act except as a result of accidental or bona fide error is barred from the recovery of any time price differential, any official fees, delinquency or collection charge, attorney fees or court costs and the buyer shall be entitled to recover his reasonable attorney fees and court costs from the seller or his assigns.  Notwithstanding the provisions of this section, nothing in this act shall bar recovery upon a contract which is lawful where executed and is executed outside this state by a buyer who was not at the time of such execution a bona fide resident of this state, except that no seller or seller's assign may in any such action recover a greater total time price differential upon any retail installment contract or charge agreement than the maximum lawful rate which would have been permitted by this act if such contract or agreement had been executed in this state. History: 1966, Act 224, Eff. Mar. 10, 1967