reglab/housing_qa huggingface dataset:
NJ Rev Stat § 56:11-7 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-7 - Failure to comply; penalty

56:11-7. Failure to comply; penalty  Any creditor, having received a notice from a consumer as provided in section 3 of this act, who fails to comply with the requirements of that section: a. If such an amount is not in fact a billing error, forfeits any rights to collect from the consumer any finance charge or other charge imposed by the creditor in connection with the amount so specified, from the date of the mailing of such notice to the date the creditor complies with section 3 of this act; and b. If such amount is in fact a billing error, is liable to the consumer in an amount equal to the sum of: (1) the actual damages sustained by the consumer as a result of the failure of the creditor to comply with such section; (2) twice the amount of the billing error shown in the statement of the consumer's account except that liability under this paragraph shall not be greater than $100.00; and (3) in the case of any successful action to enforce the foregoing liability, the costs of the action together with a reasonable attorney's fee as determined by the court. c. If such amount is in fact a billing error but the creditor shows by a preponderance of evidence that the violation was not intentional and resulted from bona fide error made despite the maintenance of procedures reasonably adopted to avoid any such error, the creditor shall be liable to the consumer only to the extent of the actual damages sustained by the consumer as a result of the failure of the creditor to comply with such section and the costs of any action brought to enforce collection of such erroneous bill together with a reasonable attorney's fee as determined by the court. L.1974, c. 146, s. 7.
NJ Rev Stat § 56:11-8 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-8 - Conduct in compliance with Fair Credit Billing as compliance with this act

56:11-8. Conduct in compliance with Fair Credit Billing as compliance with this act  With respect to any inconsistencies between the provisions of this act and the "Fair Credit Billing Act" (Public Law 93-495, 58 Stat. 1511) comprising Title III of the Federal Truth in Lending Act (Public Law 90-321, 82 Stat. 146, 15 U.S.C. 1601 et seq.) conduct in compliance with said Federal law and regulations shall be deemed and construed to be conduct in compliance with the provisions of this act. L.1975, c. 94, s. 4, eff. May 14, 1975.
NJ Rev Stat § 56:11-9 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-9 - Liability of creditor

56:11-9. Liability of creditor  The liability of a creditor under this act is in lieu of, and not in addition to, the creditor's liability under the Federal Fair Credit Billing Act. An action brought by a consumer with respect to a violation of this act may not be maintained pursuant to this act if a final judgment has been rendered for or against that consumer with respect to the same violation pursuant to the Federal Fair Credit Billing Act. An action brought by a consumer with respect to a violation of this act shall be abated upon motion by the creditor if an action, with respect to the same conduct, is pending before any court pursuant to the Federal Fair Credit Billing Act. If a final judgment has been rendered in favor of a consumer pursuant to this act and thereafter a final judgment with respect to the same conduct is rendered in favor of the same consumer pursuant to the Federal Fair Credit Billing Act, a creditor liable under both judgments has a cause of action against the consumer for appropriate relief to the extent necessary to avoid double liability with respect to the same conduct. L.1975, c. 94, s. 5, eff. May 14, 1975.
NJ Rev Stat § 56:11-16 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-16 - Definitions

56:11-16. Definitions  As used in this act: "Consumer" means a natural person. "Credit card" means any instrument or device, whether known as a credit card, credit plate, or by any other name, issued with or without fee by an issuer for the use of the credit card holder in obtaining money, goods, services or anything else of value on credit.  "Credit card holder" means a consumer named on the face of a credit card to whom or for whose benefit the credit card is issued by an issuer. "Consumer transaction" means the sale of goods, services or anything of value to a consumer, primarily for personal, family or household purposes.  "Issuer" means the person which issues a credit card or its duly authorized agent. L.1990,c.72,s.1.
NJ Rev Stat § 56:11-17 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-17 - Personal identification information not required for credit card transaction

56:11-17. Personal identification information not required for credit card transaction  No person which accepts a credit card for a consumer transaction shall require the credit card holder, as a condition of using a credit card in completing the consumer transaction, to provide for recordation on the credit card transaction form or any other form, any personal identification information that is not required by the issuer to complete the credit card transaction, including, but not limited to, the credit card holder's address or telephone number, or both; provided, however, that the credit card holder's telephone number may be required on a credit card transaction form if the credit card transaction is one for which the credit card issuer does not require authorization.  L.1990,c.72,s.2.
NJ Rev Stat § 56:11-18 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-18 - Violations, penalties

56:11-18. Violations, penalties  Any person who violates any provision of this act shall be liable to a civil penalty of not more than $250 for the first offense and not more than $1,000 for the second and each subsequent offense. Any penalty imposed pursuant to this section shall be collected by summary proceedings instituted by the Attorney General in accordance with "the penalty enforcement law," N.J.S.2A:58-1 et seq.  L.1990,c.72,s.3.
NJ Rev Stat § 56:11-19 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-19 - Regulations

56:11-19. Regulations  The Attorney General of the State of New Jersey may promulgate regulations pursuant to the "Administrative Procedure Act," P.L.1968, c.410 (C.52:14B-1 et seq.), to effectuate the purposes of this act.  L.1990,c.72,s.4.
NJ Rev Stat § 56:11-20 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-20 - Definitions

56:11-20 Definitions  1. As used in this act: "Charge card" means a credit card on an account for which no periodic rate is used to compute a finance charge. "Check" means a demand draft drawn on or payable through an office of a depository institution located in the United States that has imprinted on it the account holder's name and the depository institution's name, location and routing number. "Consumer" means a natural person.  "Consumer transaction" means the sale of goods, services or anything of value to a consumer, primarily for personal, family or household purposes. "Credit card" means any card, plate, coupon book, or other single credit device that may be used from time to time to obtain credit. "Depository institution" means a state or federally chartered bank, savings bank, savings and loan association or credit union. L.1991,c.281,s.1; amended 1999, c.234, s.1.
NJ Rev Stat § 56:11-21 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-21 - Accentance of checks for consumer transactions; cashing checks

56:11-21. Accentance of checks for consumer transactions; cashing checks  2. a. No person who receives a check in payment of an obligation resulting from a consumer transaction or who cashes a check for a consumer and which as a condition of such acceptance or the cashing of a check requires that the check drawer provide a credit card or charge card, shall record on the check or elsewhere, the card account number. Nothing in this section shall be construed to prohibit any person, as a condition for the acceptance of a check in payment for a consumer transaction or the cashing of a check for a consumer from doing either or both of the following: (1) Requesting a consumer to display a credit card or charge card as a means of identification, or as an indication of credit worthiness or financial responsibility; (2) Recording on the check the type of credit card or charge card so displayed and the credit card or charge card expiration date. b. Nothing in this section shall: (1) Require any person to accept a check in payment for a consumer transaction or to cash a check for a consumer regardless of whether a credit card or charge card is displayed; or (2) Prohibit a person from recording a credit card number and expiration date on a check as the condition for cashing or accepting that check where that person has agreed with the card issuer to cash or accept checks from the issuer's cardholders and where the issuer guarantees those cardholders' checks. L.1991,c.281,s.2; amended 1999, c.234, s.2.
NJ Rev Stat § 56:11-22 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-22 - Violations, penalty

56:11-22. Violations, penalty  3. Any person who violates any provision of this act shall be liable to a civil penalty of not more than $250 for a first offense and not more than $1,000 for a second and each subsequent offense. Any penalty imposed pursuant to this section shall be collected by summary proceedings instituted in the name of the Attorney General in accordance with "the penalty enforcement law" (N.J.S.2A:58-1 et seq.).  L.1991,c.281,s.3.
NJ Rev Stat § 56:11-23 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-23 - Regulations

56:11-23. Regulations  4. The Attorney General of the State of New Jersey may promulgate regulations pursuant to the "Administrative Procedure Act," P.L.1968, c.410 (C.52:14B-1 et seq.), necessary to effectuate the purposes of this act.  L.1991,c.281,s.4.
NJ Rev Stat § 56:11-24 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-24 - Credit card transctions forms by issuers

56:11-24. Credit card transctions forms by issuers  1. Any person, firm, partnership, association or corporation which issues forms used exclusively for credit card transactions between the credit cardholder and seller shall only issue credit card forms which:  a. are carbonless; b. after the transaction is complete, do not render a separate piece of paper, carbon or otherwise, which readily identifies the cardholder by name or number, other than those necessary for use by the seller, credit cardholder and issuer to complete the credit card transaction;  c. are carbonized backed forms that may be retained for recordkeeping purposes of the seller, the seller's agent or subcontractor, the issuer or the credit cardholder; or  d. have a perforated or split carbon, half of which is disposable, and upon completion of the transaction the disposable portion of the carbon renders only half of the cardholder's name and account number.  L.1991,c.482,s.1.
NJ Rev Stat § 56:11-25 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-25 - Credit card transaction forms by accepters

56:11-25. Credit card transaction forms by accepters  2. a. Any person, firm, partnership, association or corporation which accepts credit cards used exclusively for credit card transactions shall only use credit card forms which:  (1) are carbonless; (2) after the transaction is complete, do not render a separate piece of paper, carbon or otherwise, which readily identifies the cardholder by name or number, other than those necessary for use by the seller, credit cardholder and issuer to complete the credit card transaction;  (3) are carbonized backed forms that may be retained for recordkeeping purposes of the seller, the seller's agent or subcontractor, the issuer or the credit cardholder; or  (4) have a perforated or split carbon, half of which is disposable, and upon completion of the transaction the disposable portion of the carbon renders only half of the cardholder's name and account number.  b. No person, firm, partnership, association or corporation which accepts credit cards for the transaction of business shall be deemed to have violated the provisions of subsection a. of this section, if that person, firm, partnership, association or corporation shows by a preponderance of evidence that the violation was not intentional and resulted from bona fide error made notwithstanding the maintenance of procedures reasonably adopted to avoid any such error.  c. The provisions of subsection a. of this section shall not apply to forms used for a special purpose incidental to the credit card transaction but related to shipping, delivery or installment of purchased merchandise or special orders.  L.1991,c.482,s.2.
NJ Rev Stat § 56:11-26 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-26 - Violations, fines

56:11-26. Violations, fines  3. A violation of section 1 of this act shall be punishable by a civil fine not to exceed $1,000. A violation of section 2 of this act, if the violation constitutes the first offense by the person shall be punishable by a civil fine not to exceed $250. The second offense and any offense committed thereafter shall be punishable by a civil fine not to exceed $1,000.  L.1991,c.482,s.3.
NJ Rev Stat § 56:11-27 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-27 - Injunctive relief

56:11-27. Injunctive relief  4. Whenever there shall be a violation of this act an application may be made by the Attorney General in the name of the people of the State to a court having jurisdiction by a special proceeding to issue an injunction, and upon notice to the defendant of not less than five days, to enjoin and restrain the continuance of the violation; and if it shall appear to the satisfaction of the court that the defendant has, in fact, violated this act, an injunction may be issued by the court, enjoining and restraining any further violations, without requiring proof that any person has in fact, been injured or damaged thereby.  L.1991,c.482,s.4.
NJ Rev Stat § 56:11-28 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-28 - Short title.

56:11-28 Short title.  1. This act shall be known and may be cited as the "New Jersey Fair Credit Reporting Act." L.1997,c.172,s.1.
NJ Rev Stat § 56:11-29 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-29 - Findings, declarations relative to consumer credit reports.

56:11-29 Findings, declarations relative to consumer credit reports.  2. The Legislature finds and declares that: a. Recent amendments to the federal "Fair Credit Reporting Act," enacted as the "Consumer Credit Reporting Reform Act of 1996," (Subtitle D, Chapter 1, Pub.L.104-208), add important new substantive provisions, some of which strengthen the federal law and its enforcement. b. Among these amendments is subsection (c) added to the enforcement section, 15 U.S.C. s.1681s, which specifically provides that a state can take action to enjoin a person from violating the provisions of the federal "Fair Credit Reporting Act" and to recover damages for residents of the state for such violations. c. The designation of a specific agency of the State to have enforcement authority and to be a source of information for consumers about their rights under the federal law and this act will increase the confidence of consumers in the State that credit reporting problems will be vigorously investigated and that persons violating the federal law and the provisions of this act will be prosecuted; d. While the amendments to the federal "Fair Credit Reporting Act" contained in the "Consumer Credit Reporting Reform Act of 1996" specifically preempt states from establishing requirements or prohibitions with respect to the provisions of certain sections of the federal "Fair Credit Reporting Act," the provisions of the other sections of that act are left subject to actions by states as long as the provisions enacted in state law are not inconsistent with federal law; e. The purpose of this act therefore is to provide additional consumer protection with respect to consumer credit reports and credit reporting agencies consistent with the provisions of the"Federal Fair Credit Reporting Act." L.1997,c.172,s.2.
NJ Rev Stat § 56:11-32 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-32 - Procedures designed to limit furnishing of consumer reports.

56:11-32 Procedures designed to limit furnishing of consumer reports.  5. a. Every consumer reporting agency shall maintain reasonable procedures designed to limit the furnishing of consumer reports to the purposes listed under section 4 of this act. These procedures shall require that prospective users of the information identify themselves, certify each purpose for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and each use certified by the prospective user prior to furnishing the user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 4 of this act. b. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. c. A consumer reporting agency may not prohibit the user of a consumer report furnished by the agency from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. d. A person may not procure a consumer report for the purpose of reselling the report unless the person discloses to the consumer reporting agency that originally furnishes the report: (1) the identity of the end-user of the report; and (2) each permissible purpose under section 4 of this act for which the report is furnished to the end-user of the report. e. A person who procures a consumer report for the purposes of reselling the report shall: (1) establish and comply with reasonable procedures designed to ensure that the report is resold by the person only for a purpose for which the report may be furnished under section 4 of this act, including procedures designed to ensure that each person to which the report is resold and that resells or provides the report to any other person: (a) identifies to the person from whom the report was purchased each end-user of the resold report; (b) certifies to the person from whom the report was purchased each purpose for which the report will be used; and (c) certifies to the person from whom the report was purchased that the report will be used for no other purpose; and (2) before reselling the report, make reasonable efforts to verify the identifications and certifications made under paragraph (1) of this subsection. f. For the purposes of subsections d. and e. of this section, "report" means the consumer report as furnished by a consumer reporting agency or any information contained in that consumer report. L.1997,c.172,s.5.
NJ Rev Stat § 56:11-33 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-33 - Procurement, preparation of investigative consumer report.

56:11-33 Procurement, preparation of investigative consumer report.  6. a. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless: (1) It is clearly and accurately disclosed in writing to the consumer, prior to requesting the consumer reporting agency to prepare the report, that an investigative consumer report commonly includes information regarding the consumer's character, general reputation, personal characteristics, and mode of living, and the disclosure includes the precise nature and scope of the investigation requested and the right of the consumer to have a copy of the report upon request; and (2) the consumer provides the person requesting the report written permission to obtain the investigative consumer report prior to the person making the request to the consumer reporting agency. b. The consumer reporting agency shall, upon the request of the consumer, provide to the consumer a copy of the report upon its completion. c. No person may be held liable for any violation of any provision of this section if that person proves by a preponderance of the evidence that at the time of the violation reasonable procedures to assure compliance with the provisions of this section were maintained. L.1997,c.172,s.6.
NJ Rev Stat § 56:11-35 (2021)
2021 New Jersey Revised Statutes|Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices|Section 56:11-35 - Time, notice for making disclosures.

56:11-35 Time, notice for making disclosures.  8. a. A consumer reporting agency shall make the disclosures required under section 7 of this act during normal business hours and on reasonable notice. b. The disclosures required under section 7 of this act shall be made to the consumer: (1) in person if the consumer appears in person and furnishes proper identification; or (2) by telephone if the consumer has made a written request, with proper identification, for telephone disclosure and the toll charge, if any, for the telephone call is prepaid by or charged directly to the consumer. c. Any consumer reporting agency shall provide trained personnel to explain to the consumer any information furnished to the consumer pursuant to section 7 of this act. d. The consumer shall be permitted to be accompanied by one other person of the consumer's choosing, who shall furnish reasonable identification. A consumer reporting agency may require the consumer to furnish a written statement granting permission to the consumer reporting agency to discuss the consumer's file in that person's presence. e. Except as provided in sections 11 and 12 of this act and sections 616 and 617 of the federal "Fair Credit Reporting Act," 15 U.S.C. s.1681n and 15 U.S.C. s.1681o, no consumer may bring any action or proceeding in the nature of defamation, invasion of privacy, or negligence with respect to the reporting of information against any consumer reporting agency, any user of information, or any person who furnishes information to a consumer reporting agency, based on information disclosed pursuant to section 7 of this act or this section or section 609, 610 or 615 of the federal "Fair Credit Reporting Act," 15 U.S.C. s.1681g, 15 U.S.C. s.1681h, or 15 U.S.C. s.1681m, or based on information disclosed by a user of a consumer report to or for a consumer against whom the user has taken adverse action, based in whole or in part on the report, except as to false information furnished with malice or willful intent to injure the consumer. L.1997,c.172,s.8.