reglab/housing_qa huggingface dataset:
CT Gen Stat § 42-407 (2020)
2020 Connecticut General Statutes|Title 42 - Business, Selling, Trading and Collection Practices|Chapter 743aa - Consumer Leases|Section 42-407 - Payment or trade-in pending approval of lease. Refund or return.

 (a) If a lessee's application for a consumer lease is not approved on the terms submitted, the following rules apply:(1) Except as otherwise provided in subdivision (2) of this subsection or in subsection (b) of this section, the lessor:(A) Within one business day after disapproval of the application, shall tender back to the lessee any property traded in; and(B) Promptly, but in no event more than five business days after disapproval of the application, shall refund any payment received other than an application fee.(2) If the lessee has taken delivery of the goods before the disapproval of the lessee's application, the lessor shall tender delivery of the property traded in and the refund under subparagraph (B) of subdivision (1) of this subsection when the lessee tenders back the goods that were delivered to the lessee.(b) In the case of a consumer lease of a motor vehicle in which the vehicle is delivered to the lessee pending approval of the lessee's application, the lessor, on or before delivery, shall give the lessee notice in a record of the rights and obligations provided in this section. If the application is not approved, the following rules apply:(1) Except when the specified disclosure is made under subdivision (2) of this subsection, the lessor may not impose on the lessee any charge for the lessee's use of the vehicle.(2) The lessor may impose a mileage charge for the lessee's use of the vehicle, at an amount not exceeding the mileage rate authorized for deduction under federal tax laws, but only if the fact and amount of that charge are disclosed to the lessee in a record separately signed by the lessee at the time of delivery. The lessor may offset the amount of the charge against any refund due the lessee.(3) The limitations imposed by subdivisions (1) and (2) of this subsection do not affect a holder's right to recover for damage to or loss of the vehicle while in the lessee's possession attributable to the lessee's tortious act or omission, or forfeiture or confiscation of the vehicle under governmental authority.(c) A lessor may not sell or otherwise dispose of any property traded in until the lessee's application is approved.(d) If a lessor contracts to purchase property from a prospective lessee separately from a consumer lease, the lessor may not withhold payment pending, or otherwise condition payment upon, consummation of a consumer lease.(P.A. 02-81, S. 18.)History: P.A. 02-81 effective July 1, 2003.
CT Gen Stat § 42-408 (2020)
2020 Connecticut General Statutes|Title 42 - Business, Selling, Trading and Collection Practices|Chapter 743aa - Consumer Leases|Section 42-408 - Prohibited lease provisions.

 (a) A provision of a consumer lease may not:(1) Authorize the holder to accelerate the maturity of all or part of the amount owing on the lease whenever the holder deems itself insecure;(2) Require the lessee to execute an authorization to confess judgment or an assignment of wages; or(3) Authorize the holder or another person to enter upon the lessee's premises or to commit a breach of the peace in the repossession of the goods.(b) A provision prohibited by this section is unenforceable but does not otherwise affect the validity of the lease.(P.A. 02-81, S. 19.)History: P.A. 02-81 effective July 1, 2003.
CT Gen Stat § 42-409 (2020)
2020 Connecticut General Statutes|Title 42 - Business, Selling, Trading and Collection Practices|Chapter 743aa - Consumer Leases|Section 42-409 - Security interest restricted. Security deposit.

 (a) Except as otherwise provided in subsection (b) of this section, a consumer lease or other record signed by the lessee in connection with the lease may not provide for the creation of a security interest in personal or real property of the lessee to secure the payment of obligations arising from the lease. A security interest created in violation of this section is unenforceable, but does not otherwise affect the validity of the lease.(b) A consumer lease may provide for:(1) A security deposit, advance lease payment or other prepayment;(2) A security interest in unearned insurance premiums or rebates of charges for a contract for services, or a service contract, extended warranty or maintenance agreement regarding the leased goods;(3) A security interest in the proceeds or benefits of insurance, or of a contract for services, service contract, extended warranty or maintenance agreement on the leased goods, except to the extent the proceeds or benefits represent reimbursement to the lessee for expenses incurred; and(4) A security interest in an accession to the leased goods.(c) This section does not preclude a holder from making a permissive filing of a financing statement under article 9 of the Uniform Commercial Code.(d) A holder is not required to pay interest on a security deposit, advance lease payment or other prepayment, but is required, within two weeks after the application of a security deposit, to account to the lessee in a record for the application of the security deposit.(P.A. 02-81, S. 20.)History: P.A. 02-81 effective July 1, 2003.
CT Gen Stat § 42-410 (2020)
2020 Connecticut General Statutes|Title 42 - Business, Selling, Trading and Collection Practices|Chapter 743aa - Consumer Leases|Section 42-410 - Late fees. Delinquency and default charges. Attorney's fees.

 (a) A holder may impose on the lessee a late charge on a periodic payment that is delinquent for ten days or more in an amount specified in the consumer lease but not exceeding the lesser of ten dollars or five per cent of the unpaid portion of the late periodic payment. A late fee is not enforceable to the extent it exceeds this limit.(b) A holder may not impose a late charge on a current periodic payment if the only delinquency in the current payment is an amount equal to or less than unpaid late charges imposed on earlier periodic payments, but the lease may impose an additional late charge if all or part of a periodic payment remains delinquent through an additional payment period.(c) Subject to subsection (b) of this section regarding late charges, a consumer lease may provide for imposition on the lessee of charges for the lessee's delinquency or default, including collection, repossession and court costs, at an amount that is reasonable in light of the anticipated or actual harm caused by the delinquency or default, the difficulties of proof of loss and the inconvenience or unfeasibility of otherwise obtaining an adequate remedy.(d) A consumer lease may provide for the imposition on the lessee of the holder's reasonable attorney's fees, but the fees are recoverable by the holder only if the holder is represented by an attorney who is not an employee of the holder. If a consumer lease provides for recovery of attorney's fees by the holder, a lessee who successfully defends a collection action is entitled to reasonable attorney's fees from the holder.(P.A. 02-81, S. 21.)History: P.A. 02-81 effective July 1, 2003.
CT Gen Stat § 42-411 (2020)
2020 Connecticut General Statutes|Title 42 - Business, Selling, Trading and Collection Practices|Chapter 743aa - Consumer Leases|Section 42-411 - Assignment of lease. Preservation of lessee's claims and defenses.

 (a) Until thirty days after a lessee receives from the assignor or assignee of the lease a signed notice in a record that the consumer lease has been assigned and containing the name and address of the assignee, the lessee may discharge the lessee's obligation by paying the assignor of the lease, and the following rules apply:(1) If timely, a payment to the assignor is not subject to a late charge.(2) Except as otherwise provided in subdivision (3) of this subsection, after the thirty-day period, the lessee discharges the lessee's obligation only by paying the assignee. An assignor who receives payment after notification is given must return the payment to the lessee or forward the payment to the assignee.(3) If requested by the lessee after notice from the assignee under this subsection, the assignee shall seasonably furnish reasonable proof that the assignment has been made. Unless the assignee complies, the lessee may discharge the lessee's obligation by paying the assignor.(b) Except as otherwise provided in subsection (b) of section 42-428, notwithstanding any provision in a consumer lease, a holder is subject to all claims and defenses arising from the lease which the lessee could assert against a previous holder and, if the original lessor does not select, manufacture or supply the goods, against the person from whom the lessor bought or leased the goods. A lessee's recovery from a holder under this subsection may not exceed amounts paid by the lessee to all holders under the lease.(P.A. 02-81, S. 22.)History: P.A. 02-81 effective July 1, 2003.
CT Gen Stat § 42-412 (2020)
2020 Connecticut General Statutes|Title 42 - Business, Selling, Trading and Collection Practices|Chapter 743aa - Consumer Leases|Section 42-412 - Sublease.

 (a) Except as otherwise provided in subsection (b) of this section, a lessee under a consumer lease may sublease or assign the lessee's rights and interest.(b) A consumer lease may contain a specific and conspicuous provision requiring the holder's consent to a sublease or assignment of the lessee's rights and interest, and payment of a reasonable fee. In a lease for a period of more than twelve months, the provision must require the holder to consent unless the holder believes in good faith that the sublease or assignment will jeopardize the holder's rights or increase the holder's risk.(c) Unless otherwise agreed by the holder, the obligations of the lessee under a consumer lease are not affected by a sublease or assignment, and the original lessee and the sublessee or assignee are jointly and severally liable under the assigned lease.(P.A. 02-81, S. 23.)History: P.A. 02-81 effective July 1, 2003.
CT Gen Stat § 42-413 (2020)
2020 Connecticut General Statutes|Title 42 - Business, Selling, Trading and Collection Practices|Chapter 743aa - Consumer Leases|Section 42-413 - Open-end consumer lease.

 (a) In an open-end consumer lease, the estimated residual value must be a reasonable approximation of the anticipated fair market value of the goods on expiration of the lease. The estimated residual value of the goods is presumed to be unreasonable and not in good faith to the extent that the estimated residual value exceeds the realized value by more than three times the average payment allocable to a monthly period under the lease. The holder may not collect from the lessee the amount presumed to be unreasonable unless the holder succeeds in an action with respect to that amount. In all actions, the holder shall pay the lessee's reasonable attorney's fees.(b) A presumption does not arise under subsection (a) of this section to the extent the excess of estimated residual value over realized value is due to physical damage to the goods beyond reasonable wear and use, or to excessive use, according to standards set in the lease under section 42-423.(c) This section does not preclude a lessee, after expiration of the consumer lease, from agreeing to a final adjustment with respect to residual value.(d) Upon expiration of an open-end consumer lease, the lessee may obtain at the lessee's expense a professional appraisal of the leased goods by an independent third party agreed to by the lessee and holder. The appraisal is final and binding on the parties.(P.A. 02-81, S. 24.)History: P.A. 02-81 effective July 1, 2003.
CT Gen Stat § 42-414 (2020)
2020 Connecticut General Statutes|Title 42 - Business, Selling, Trading and Collection Practices|Chapter 743aa - Consumer Leases|Section 42-414 - Limit on insurance charges. Termination or replacement of insurance.

 (a) A charge for casualty, liability or credit insurance included in a consumer lease or added under subsection (c) of this section may not exceed the premium imposed by the insurer for the insurance. This subsection does not preclude:(1) The imposition of rent charges on insurance charges capitalized in the lease; or(2) The lessor's realization of commissions, experience rebates or similar compensation from the insurer.(b) If insurance included in a consumer lease or added under subsection (c) of this section is canceled or terminated, a refund of unearned insurance premiums received by the holder in excess of one dollar, at the holder's option, must be:(1) Refunded to the lessee; or(2) Credited, together with the unearned portion of the rent charge applicable to the refunded premium, to the lessee's current obligation, the final maturing periodic payments or the lessee's obligation upon termination of the lease.(c) If a lessee does not maintain insurance required under a consumer lease, the holder may purchase substitute insurance only against substantially the same risks, covering the interests of the lessee and the holder or the interest of either of them.(d) An amount paid by a holder for substitute insurance under subsection (c) of this section and added to the lessee's obligation under the lease is subject to:(1) A rent charge as if that amount were part of the adjusted capitalized cost, from the later of the effective date of the insurance or the date on which the holder notifies the lessee of the purchase of substitute insurance, its cost, and the effect on the payment schedule; and(2) The repayment and default provisions of the lease.(e) This section does not preclude a holder from pursuing any other remedy for default set forth in the lease or provided by law.(P.A. 02-81, S. 25.)History: P.A. 02-81 effective July 1, 2003.
CT Gen Stat § 42-415 (2020)
2020 Connecticut General Statutes|Title 42 - Business, Selling, Trading and Collection Practices|Chapter 743aa - Consumer Leases|Section 42-415 - Rebate or discount for referrals.

 A person may not induce or attempt to induce a lessee to consummate a consumer lease by offering a postconsummation rebate, discount, commission or other consideration on the condition that the lessee provide information or assistance for the purpose of enabling a lessor or other person to lease or sell goods to another individual.(P.A. 02-81, S. 26.)History: P.A. 02-81 effective July 1, 2003.
CT Gen Stat § 42-416 (2020)
2020 Connecticut General Statutes|Title 42 - Business, Selling, Trading and Collection Practices|Chapter 743aa - Consumer Leases|Section 42-416 - Limitation on supplier's disclaimer of implied warranty.

 (a) As used in this section:(1) “Magnuson-Moss Warranty Act” means 15 USC Sections 2301 to 2312, inclusive, as amended, and includes rules, regulations, statements and interpretations issued by the Federal Trade Commission under said act.(2) “Service contract” means a contract in a record to perform, over a fixed period or for a specified duration, services relating to the maintenance or repair, or both, of leased goods.(3) “Supplier” means any person engaged in the business of making leased goods directly or indirectly available to lessees through consumer leases.(4) “Written warranty” means:(A) An affirmation of fact in a record or promise in a record made in connection with a consumer lease of goods by a supplier to a lessee, which relates to the nature of the material or workmanship, affirms or promises that the material or workmanship is defect-free or will meet a specified level of performance over a specified period, and becomes part of the basis of the bargain between the supplier and the lessee; or(B) An undertaking in a record in connection with the lease by a supplier of goods to refund, repair, replace or take other remedial action with respect to the leased goods if the leased goods fail to meet the specifications set forth in the undertaking, which becomes part of the basis of the bargain between the supplier and the lessee.(b) A supplier may not disclaim or, except as otherwise provided in subsection (c) of this section, modify an implied warranty to a lessee with respect to leased goods if:(1) The supplier makes a written warranty to the lessee with respect to the leased goods; or(2) At the time the lessee signs the lease, or within ninety days thereafter, the supplier enters into a service contract with the lessee which applies to the leased goods.(c) Unless a supplier has made a warranty that would qualify as a full warranty under the Magnuson-Moss Warranty Act if made in connection with a sale of goods, the supplier may limit the duration of implied warranties to the duration of a written warranty of reasonable duration, if the limitation is conscionable and conspicuously displayed on the face of the warranty.(d) A disclaimer, modification or limitation made in violation of this section is not enforceable.(e) A term in a consumer lease that attempts to exclude or modify an implied warranty of merchantability or fitness or to exclude or modify a remedy for breach of such warranties is not enforceable.(P.A. 02-81, S. 27.)History: P.A. 02-81 effective July 1, 2003.
CT Gen Stat § 42-417 (2020)
2020 Connecticut General Statutes|Title 42 - Business, Selling, Trading and Collection Practices|Chapter 743aa - Consumer Leases|Section 42-417 - Liability for gap amount on total loss of goods.

 (a) In this section, “gap amount” means the amount that would be owed by the lessee if a total loss of the goods occasioned by theft, physical damage or other occurrence were considered an early termination of the lease, less the portion of the cash value of the goods received by the holder from the lessee's insurer or from any other source. The term does not include the deductible amount applicable to a casualty insurance policy on the goods, past due lease payments, or any other unpaid amounts owed by the lessee under the lease at the time of the total loss of the goods, or amounts by which the insurance proceeds otherwise payable are reduced on account of past due premiums or the condition of the goods before the total loss occurred.(b) Except as otherwise provided in subsection (c) of this section, a consumer lease may not provide that the lessee is responsible for the gap amount. A provision in violation of this subsection is not enforceable.(c) If a consumer lease so provides, the holder may recover from the lessee the portion of the gap amount attributable to:(1) The lessee's failure to maintain in effect casualty insurance required under the lease;(2) The lessee's fraud, intentional wrongful act or omission, or gross negligence; or(3) The forfeiture or confiscation of the goods under governmental authority.(P.A. 02-81, S. 28.)History: P.A. 02-81 effective July 1, 2003.
CT Gen Stat § 42-418 (2020)
2020 Connecticut General Statutes|Title 42 - Business, Selling, Trading and Collection Practices|Chapter 743aa - Consumer Leases|Section 42-418 - Lessee's default. Right to cure.

 (a) A provision of a consumer lease stating events of default by the lessee is enforceable only to the extent that:(1) The lessee does not make a payment required by the lease; or(2) The holder establishes that the prospect of payment, performance or realization of the holder's interest in the goods is significantly impaired.(b) If a default is solely the lessee's failure to make a payment required under the lease and the lessee has not voluntarily surrendered the leased goods to the holder, a holder may not accelerate, take judicial action to collect, or repossess the leased goods unless the holder initiates a procedure for cure under this section and the lessee does not cure the default in a timely manner.(c) A holder may initiate a procedure for cure by sending to the lessee, at any time after the lessee has been in default for ten days, a notice of right to cure the default. The notice must be in a record, contain a conspicuous statement that the lessee is entitled to cure the default and set forth the monetary amount necessary to cure the default, the date by which the curative payment is due and the name, address and telephone number of the holder from which information may be obtained regarding the cure. The date by which payment is due may not be less than twenty days after the notice is sent.(d) Within the period for cure stated in the notice under subsection (c) of this section, the lessee may cure the default by tendering the amount of all unpaid sums due at the time of the tender, including any unpaid delinquency or default charges, but without additional security deposit or prepayment of periodic payments not yet due. Cure restores the rights of holder and lessee under the lease as if the default had not occurred.(e) A lessee has the right to cure only once in any twelve-month period during the period of the lease.(P.A. 02-81, S. 29.)History: P.A. 02-81 effective July 1, 2003.
CT Gen Stat § 42-419 (2020)
2020 Connecticut General Statutes|Title 42 - Business, Selling, Trading and Collection Practices|Chapter 743aa - Consumer Leases|Section 42-419 - Repossession. Application of realized value. Electronic self help.

 (a) Except as otherwise provided in subsection (d) of this section and subject to section 42-418, on a lessee's default, the holder may repossess the goods by judicial process or by self-help without a breach of the peace.(b) After repossession of the goods on a lessee's default, the holder shall apply the realized value of the goods as provided in the lease or, if the lease contains no such provision, in the following order:(1) Default charges and collection costs imposed under the lease;(2) Obligations of the lessee that are due or in default under the lease; and(3) The liability of the lessee on early termination of the lease.(c) Unless otherwise agreed, a lessee is liable for any deficiency after application of the realized value. The holder may apply to the deficiency a security deposit taken under subdivision (1) of subsection (b) of section 42-409 but shall refund to the lessee any amount of the security deposit remaining after satisfaction of the deficiency.(d) (1) In this subsection, “electronic self help” means the use of electronic means to exercise a holder's rights pursuant to subsection (a) of this section and “electronic” means relating to technology that has electrical, digital, magnetic or wireless optical electromagnetic properties or similar capabilities. “Electronic self help” includes the use of electronic means to locate the goods.(2) Electronic self help is permitted only if the lessee separately agrees to a term of the lease authorizing electronic self help that requires notice of exercise as provided in subdivision (3) of this subsection.(3) Before resorting to electronic self help authorized by a term of the lease, the holder shall give notice to the lessee stating:(A) That the holder intends to resort to electronic self help as a remedy on or after fifteen days following communication of the notice to the lessee;(B) The nature of the claimed breach that entitled the holder to resort to self help; and(C) The name, title, address and telephone number of a person representing the holder with whom the lessee may communicate concerning the goods.(4) A lessee may recover direct and incidental damages caused by wrongful use of electronic self help. The lessee may also recover consequential damages for wrongful use of electronic self help even if such damages are excluded by the terms of the lease.(5) Even if the holder complies with subdivisions (2) and (3) of this subsection, electronic self help may not be used if the holder has reason to know that its use will result in substantial injury or harm to the public health or safety or grave harm to the public interest substantially affecting third parties not involved in the dispute.(P.A. 02-81, S. 30.)History: P.A. 02-81 effective July 1, 2003.