reglab/housing_qa huggingface dataset:
NC Gen Stat § 66-409 (2021)
2021 North Carolina General Statutes|Chapter 66 - Commerce and Business|Article 45 - Pawnbrokers, Metal Dealers, and Scrap Dealers.|§ 66-409 - Bond or trust account required.

 66-409. Bond or trust account required.Before any permit shall be issued to a dealer pursuant to G.S. 66-407, the dealer shall execute a satisfactory cash or surety bond or establish a trust account with a licensed and insured bank or savings institution located in the State of North Carolina in the sum of ten thousand dollars ($10,000). The bond or trust account shall be in favor of the State of North Carolina. A surety bond is to be executed by the dealer and by two responsible sureties or a surety company licensed to do business in the State of North Carolina and shall be on a form approved by the Department of Public Safety. Any bond shall be kept in full force and effect and shall be delivered to the law-enforcement agency which first issued a current permit to the dealer. A bond or trust account shall be for the faithful performance of the requirements and obligations of the dealer's business in conformity with this Part. Any law-enforcement agency shall have full power and authority to revoke the permit and sue for forfeiture of the bond or trust account upon a breach thereof. Any person who shall have suffered any loss or damage by any act of the permittee that constitutes a violation of this Part shall have the right to institute an action to recover against such permittee and the surety or trust account. Upon termination of the bond or trust account the permit shall become void.  (1981, c. 956, s. 1; c. 1001, s. 4; 2011-145, s. 19.1(g); 2012-46, ss. 15, 20.)
NC Gen Stat § 66-411 (2021)
2021 North Carolina General Statutes|Chapter 66 - Commerce and Business|Article 45 - Pawnbrokers, Metal Dealers, and Scrap Dealers.|§ 66-411 - Items not to be modified.

 66-411. Items not to be modified.No item included in a dealer purchase shall be sold, traded or otherwise disposed of, melted, cut or otherwise changed in form nor shall any item be removed from the licensed premises, or other location specified on the application for a special occasion permit, for a period of seven days from the date the transaction was reported in accordance with G.S. 66-410.  (1981, c. 956, s. 1; 2009-482, s. 5; 2012-46, ss. 15, 22.)
NC Gen Stat § 66-412 (2021)
2021 North Carolina General Statutes|Chapter 66 - Commerce and Business|Article 45 - Pawnbrokers, Metal Dealers, and Scrap Dealers.|§ 66-412 - Purchasing from juvenile.

 66-412. Purchasing from juvenile.No dealer or employee or agent thereof shall purchase from any juvenile under 18 years of age any article made, in whole or in part, of precious metal.  (1981, c. 956, s. 1; 2012-46, s. 15.)
NC Gen Stat § 66-413 (2021)
2021 North Carolina General Statutes|Chapter 66 - Commerce and Business|Article 45 - Pawnbrokers, Metal Dealers, and Scrap Dealers.|§ 66-413 - Penalties.

 66-413. Penalties.Any dealer who violates the provisions of this Part shall be deemed guilty of a Class 2 misdemeanor. In addition any dealer so convicted shall be ineligible for a dealer's permit for a period of three years from the date of conviction. Each and every violation shall constitute a separate and distinct offense.  (1981, c. 956, s. 1; 1993, c. 539, s. 527; 1994, Ex. Sess., c. 24, s. 14(c); 2012-46, ss. 15, 23.)
NC Gen Stat § 66-414 (2021)
2021 North Carolina General Statutes|Chapter 66 - Commerce and Business|Article 45 - Pawnbrokers, Metal Dealers, and Scrap Dealers.|§ 66-414 - Portable smelters prohibited.

 66-414. Portable smelters prohibited.It shall be unlawful for any person to possess or operate a smelter in any mobile home, trailer, camper, or other vehicle or structure not permanently affixed to the ground, for the purpose of refining precious metals. Violation of the provisions of this section shall constitute a Class 2 misdemeanor.  (1981, c. 956, s. 1; 1993, c. 539, s. 528; 1994, Ex. Sess., c. 24, s. 14(c); 2012-46, s. 15.)
NC Gen Stat § 66-420 (2021)
2021 North Carolina General Statutes|Chapter 66 - Commerce and Business|Article 45 - Pawnbrokers, Metal Dealers, and Scrap Dealers.|§ 66-420 - Definitions.

 66-420. Definitions.The following definitions apply in this Part:(1) Cash card system. - A system of payment that provides payment in cash or in a form other than cash and that when providing payment in the form of cash (i) captures a photograph of the seller at the time payment is received and (ii) uses an automated cash dispenser, including, but not limited to, an automated teller machine.(1a) Copper. - Nonferrous metals, including, but not limited to, copper wire, copper clad steel wire, copper pipe, copper bars, copper sheeting, copper tubing and pipe fittings, and insulated copper wire. The term shall not include brass alloys, bronze alloys, lead, nickel, zinc, or items not containing a significant quantity of copper.(2) Fixed site. - A site occupied by a secondary metals recycler as the owner of the site or as a lessee of the site under a lease or other rental agreement providing for occupation of the site by a nonferrous metals purchaser for a total duration of not less than 364 days.(3) Law enforcement officer. - Any duly constituted law enforcement officer of the State or of any municipality or county.(4) Nonferrous metals. - Metals not containing significant quantities of iron or steel, including, but not limited to, copper, aluminum other than aluminum cans, a product that is a mixture of aluminum and copper, catalytic converters, lead-acid batteries, and stainless steel beer kegs or containers. The term shall not include precious metals as defined and regulated in Part 2 of this Article.(5) Nonferrous metals purchaser. - A secondary metals recycler who purchases, gathers, or obtains nonferrous metals.(6) Permit. - A permit issued pursuant to G.S. 66-426(a).(7) Regulated metals property. - All ferrous and nonferrous metals.(8) Secondary metals recycler. - Any person, firm, or corporation in the State:a. That is engaged in the business of gathering or obtaining ferrous or nonferrous metals that have served their original economic purpose or is in the business of performing the manufacturing process by which ferrous metals or nonferrous metals are converted into raw material products consisting of prepared grades and having an existing or potential economic value; orb. That has facilities for performing the manufacturing process by which ferrous metals or nonferrous metals are converted into raw material products consisting of prepared grades and having an existing or potential economic value, by methods including, but not limited to, the processing, sorting, cutting, classifying, cleaning, baling, wrapping, shredding, shearing, or changing the physical form or chemical content of the metals, but not including the exclusive use of hand tools.  (2012-46, s. 28; 2013-169, s. 1.)
NC Gen Stat § 66-420.1 (2021)
2021 North Carolina General Statutes|Chapter 66 - Commerce and Business|Article 45 - Pawnbrokers, Metal Dealers, and Scrap Dealers.|§ 66-420.1 - Applicability.

 66-420.1. Applicability.This Chapter shall not apply to a salvage yard regulated pursuant to Chapter 20 of the General Statutes, unless the salvage yard is engaged in the business of gathering or obtaining ferrous or nonferrous metals that have served their original economic purpose and is in the business of performing the manufacturing process by which ferrous metals or nonferrous metals are converted into raw material products consisting of prepared grades and having an existing or potential economic value.  (2013-410, s. 30.5.)
NC Gen Stat § 66-422 (2021)
2021 North Carolina General Statutes|Chapter 66 - Commerce and Business|Article 45 - Pawnbrokers, Metal Dealers, and Scrap Dealers.|§ 66-422 - Inspection of regulated metals property and records.

 66-422. Inspection of regulated metals property and records.(a) Retention of Records. - A secondary metals recycler shall keep and maintain the information required under G.S. 66-421(b) for not less than two years from the date of the purchase of the regulated metals property. Records shall be securely maintained at all times and shall be destroyed in a manner that protects the identity of the owner of the property, the seller of the property, and the purchaser of the property.(b) Inspection of Regulated Metals Property and Records. - During the usual and customary business hours of a secondary metals recycler, a law enforcement officer shall have the right to inspect all of the following:(1) Any and all purchased regulated metals property in the possession of the secondary metals recycler.(2) Any and all records required to be maintained under G.S. 66-421(b).(c) Making Receipts Available for Inspection by Law Enforcement. - A secondary metals recycler shall make receipts for the purchase of regulated metals property available for pickup each regular workday if requested by the sheriff or chief of police of the county or the chief of police of the municipality in which the secondary metals recycler is located. The sheriff or the chief of police may request these receipts to be electronically transferred directly to the law enforcement agency. Records retained by a law enforcement agency shall be securely retained as required by law and destroyed in a manner that protects the identity of the owner of the property, the seller of the property, and the purchaser of the property.(d) Records Are Not Public. - Records submitted to any public law enforcement agency pursuant to this section are records of criminal investigations or records of criminal intelligence information as defined in G.S. 132-1.4 and are not public records as defined by G.S. 132-1.  (2012-46, s. 28.)
NC Gen Stat § 66-423 (2021)
2021 North Carolina General Statutes|Chapter 66 - Commerce and Business|Article 45 - Pawnbrokers, Metal Dealers, and Scrap Dealers.|§ 66-423 - Hold notices for nonferrous metals; retention of nonferrous metals.

 66-423. Hold notices for nonferrous metals; retention of nonferrous metals.(a) Hold Notices. - When a law enforcement officer has reasonable suspicion to believe that any item of nonferrous metal in the possession of a nonferrous metals purchaser has been stolen, the law enforcement officer may issue a hold notice to the nonferrous metals purchaser. The hold notice must be in writing, be delivered to the nonferrous metals purchaser, specifically identify those items of nonferrous metal that are believed to have been stolen and that are subject to the notice, and inform the nonferrous metals purchaser of the information contained in this section. Upon receipt of the notice, the nonferrous metals purchaser must not process or remove the items of nonferrous metal identified in the notice, or any portion thereof, from the secondary metal recycler's fixed site for 15 calendar days after receipt of the notice unless released prior to the 15-day period by the law enforcement officer. A hold notice may be renewed for an additional 30 days by the law enforcement officer. A renewal must satisfy the same requirements as an initial hold notice in order to be valid.(b) Retention of Nonferrous Metals. - Any secondary metals recycler owner convicted of a felonious violation of this Article, G.S. 14-71, 14-71.1, or 14-72 shall hold and retain nonferrous metals for seven days from the date of purchase before selling, dismantling, crushing, defacing, or in any manner altering or disposing of the regulated metals property.  (2012-46, s. 28.)
NC Gen Stat § 66-425 (2021)
2021 North Carolina General Statutes|Chapter 66 - Commerce and Business|Article 45 - Pawnbrokers, Metal Dealers, and Scrap Dealers.|§ 66-425 - Permissible payment methods for nonferrous metals purchasers.

 66-425. Permissible payment methods for nonferrous metals purchasers.Limitation on Cash Purchases. No nonferrous metals purchaser shall enter into a cash transaction for the purchase of copper, and no nonferrous metals purchaser shall purchase any nonferrous metal property for any cash consideration greater than one hundred dollars ($100.00) per transaction. Any payment in excess of one hundred dollars ($100.00) per transaction shall be made by check, money order or cash card system. A nonferrous metals purchaser shall not make more than one cash purchase per day from any individual, business, corporation or partnership.  (2012-46, s. 28.)
NC Gen Stat § 66-426 (2021)
2021 North Carolina General Statutes|Chapter 66 - Commerce and Business|Article 45 - Pawnbrokers, Metal Dealers, and Scrap Dealers.|§ 66-426 - Issuance of nonferrous metals purchase permits by Sheriff; form; fees; recordkeeping.

 66-426. Issuance of nonferrous metals purchase permits by Sheriff; form; fees; recordkeeping.(a) Issuance of Permits. - The sheriff of each county shall issue a nonferrous metals purchase permit to an applicant if the applicant (i) has a fixed site in the sheriff's county; (ii) declares on a form provided by the sheriff that the applicant is informed of and will comply with the provisions of this Part; (iii) does not have a permit that has been revoked pursuant to G.S. 66-429(b) at the time of the application; and (iv) has not been convicted of more than three violations of this Part. A permit shall be valid for 12 months and shall be valid only for fixed sites in the county of issuance. A permit shall be obtained for each fixed site at which nonferrous metals are purchased.(b) Form. - The Attorney General shall prescribe a standard application form and a standard permit form to be used by sheriffs. The permit form shall contain, at a minimum, the date of issuance and the name and address of the permit holder.(c) Fees; Record-Keeping Requirements. - The sheriff shall not charge a fee for a permit, and shall retain a copy of any permit issued.  (2012-46, s. 28; 2012-194, s. 46(a).)
NC Gen Stat § 66-427 (2021)
2021 North Carolina General Statutes|Chapter 66 - Commerce and Business|Article 45 - Pawnbrokers, Metal Dealers, and Scrap Dealers.|§ 66-427 - Exemptions.

 66-427. Exemptions.This Part does not apply to:(1) Purchases of regulated metals property from a manufacturing, industrial, government, or other commercial vendor that generates or sells regulated metals property in the ordinary course of its business.(2) Purchases of regulated metals property that involve only beverage containers, except that G.S. 66-423 shall apply in that case.  (2012-46, s. 28.)
NC Gen Stat § 66-428 (2021)
2021 North Carolina General Statutes|Chapter 66 - Commerce and Business|Article 45 - Pawnbrokers, Metal Dealers, and Scrap Dealers.|§ 66-428 - Preemption.

 66-428. Preemption.A county or municipality shall not enact any local law, ordinance, or regulation regulating secondary metals recyclers or regulated metals property that conflicts with this Part, and this Part preempts all existing laws, ordinances, or regulations that conflict with it.  (2012-46, s. 28.)
NC Gen Stat § 66-429 (2021)
2021 North Carolina General Statutes|Chapter 66 - Commerce and Business|Article 45 - Pawnbrokers, Metal Dealers, and Scrap Dealers.|§ 66-429 - Violations.

 66-429. Violations.(a) Punishment Generally. - Unless the conduct is covered by some other provision of law providing greater punishment, any person knowingly and willfully violating any of the provisions of this Part shall be guilty of a Class 1 misdemeanor for a first offense. A second or subsequent violation of this Part is a Class I felony. In addition to any other punishment imposed for a violation of this Part, any person knowingly and willfully violating any of the provisions of this Part involving the purchase of a catalytic converter shall be punished by a fine of one thousand dollars ($1,000) for each violation.(b) Revocation of Permits. - If the owner or the employees of a fixed site are convicted of an aggregate of three or more violations of this Part within a 10 year period, the permit associated with that fixed site shall be immediately revoked by the sheriff for a period of six months. Any attempt to circumvent this subsection by procuring a permit through a family member shall result in extension of the revocation period for an additional 18 months.  (2012-46, s. 28; 2021-154, s. 3.)
NC Gen Stat § 66-430 (2021)
2021 North Carolina General Statutes|Chapter 66 - Commerce and Business|Article 45 - Pawnbrokers, Metal Dealers, and Scrap Dealers.|§ 66-430 - Restitution.

 66-430. Restitution.The court may order a defendant to make restitution to the secondary metals recycler or property owner, as appropriate, for any damage or loss caused by the defendant and arising out of a violation of G.S. 14-71, G.S. 14-71.1, G.S. 14-72, G.S.14-159.4, G.S. 66-424(a)(3), G.S. 66-424(a)(3a), or G.S. 66-424(a)(4) committed by the defendant.  (2012-46, s. 28; 2021-154, s. 5.)
NC Gen Stat § 66-440 (2021)
2021 North Carolina General Statutes|Chapter 66 - Commerce and Business|Article 46 - Guaranteed Asset Protection Waivers.|§ 66-440 - Definitions.

 66-440. Definitions.The following definitions apply in this Article:(1) Administrator. - A person that performs administrative or operational functions with respect to guaranteed asset protection waivers.(2) Borrower. - A debtor, retail buyer, or lessee under a vehicle finance agreement.(3) Creditor. - Any of the following:a. A lender in a loan or credit transaction.b. A lessor in a lease transaction.c. A vehicle dealer, including a motor vehicle dealer as that term is defined in G.S. 20-286(11), that provides credit to or arranges financing for a purchaser of a vehicle.d. A seller in a commercial retail installment transaction.e. An assignee of any of the foregoing to whom the credit obligation is payable.(4) Free-look period. - The period of time from the effective date of a guaranteed asset protection waiver until the date the borrower may cancel the contract without penalty, fees, or costs to the borrower.(5) Guaranteed asset protection waiver. - A contractual agreement in which a creditor agrees for a separate charge to cancel or waive all or part of amounts due on a borrower's vehicle finance agreement in the event of a total physical damage loss or unrecovered theft of the vehicle, which agreement shall be part of, or a separate addendum to, the vehicle finance agreement.(6) Insurer. - An insurance company licensed, registered, or otherwise authorized to do business under Chapter 58 of the General Statutes.(7) Vehicle. - A motor vehicle, as that term is defined in G.S. 20-286(10), as well as self-propelled or towed vehicles designed for personal or commercial use, including, but not limited to, automobiles, trucks, motorcycles, recreational vehicles, all-terrain vehicles, snowmobiles, campers, boats, personal watercraft, and trailers for motorcycles, boats, campers, and personal watercraft.(8) Vehicle finance agreement. - A loan, lease, or retail installment sales contract for the purchase or lease of a vehicle.  (2013-193, s. 1.)
NC Gen Stat § 66-441 (2021)
2021 North Carolina General Statutes|Chapter 66 - Commerce and Business|Article 46 - Guaranteed Asset Protection Waivers.|§ 66-441 - Scope of Article.

 66-441. Scope of Article.(a) Complete Exemptions. - This Article shall not apply to any of the following:(1) An insurance policy offered by an insurer under Chapter 58 of the General Statutes, except as provided in G.S. 66-443.(2) A debt cancellation or debt suspension contract being offered pursuant to 12 C.F.R. Part 37, 12 C.F.R. Part 721, or any other federal law.(b) Partial Exemption for Commercial Transactions. - G.S. 66-444, 66-446(c), and 66-447 are not applicable to a guaranteed asset protection waiver offered in connection with a lease or retail installment sale associated with a commercial transaction.  (2013-193, s. 1.)
NC Gen Stat § 66-442 (2021)
2021 North Carolina General Statutes|Chapter 66 - Commerce and Business|Article 46 - Guaranteed Asset Protection Waivers.|§ 66-442 - Guaranteed asset protection waivers not subject to insurance laws.

 66-442. Guaranteed asset protection waivers not subject to insurance laws.Guaranteed asset protection waivers are not insurance and are exempt from the provisions of Chapter 58 of the General Statutes, as are persons administering, marketing, selling, or offering to sell guaranteed asset protection waivers to borrowers.  (2013-193, s. 1.)
NC Gen Stat § 66-443 (2021)
2021 North Carolina General Statutes|Chapter 66 - Commerce and Business|Article 46 - Guaranteed Asset Protection Waivers.|§ 66-443 - Insurance of guaranteed asset protection waivers.

 66-443. Insurance of guaranteed asset protection waivers.(a) Insurance for Creditors. - Creditors may insure guaranteed asset protection waiver obligations under a contractual liability policy or other similar policy issued by an insurer but shall not be required to do so.(b) Required Terms. - Contractual liability or other insurance policies insuring guaranteed asset protection waivers shall include terms that do all of the following:(1) Obligate the insurer to reimburse or pay to the creditor any sums the creditor is legally obligated to waive under guaranteed asset protection waivers issued by the creditor and purchased or held by the borrower.(2) Provide that the policy covers any subsequent assignee upon the assignment, sale, or transfer of the vehicle finance agreement.(3) Provide that the policy remains in effect unless cancelled or terminated in compliance with applicable insurance laws of this State.(4) Provide that the cancellation or termination of policy shall not reduce the insurer's responsibility for guaranteed asset protection waivers issued by the creditor prior to the date of cancellation or termination and for which premiums have been received by the insurer.(c) Administrators May Procure Insurance. - An insurance policy obtained pursuant to this section may be directly obtained by a creditor or may be procured by an administrator to cover the creditor's obligations.  (2013-193, s. 1.)
NC Gen Stat § 66-444 (2021)
2021 North Carolina General Statutes|Chapter 66 - Commerce and Business|Article 46 - Guaranteed Asset Protection Waivers.|§ 66-444 - Mandatory terms.

 66-444. Mandatory terms.A guaranteed asset protection waiver shall include all of the following written terms in clear, easily understandable language:(1) The name and address of the initial creditor and the borrower at the time of sale and the identity of any administrator if different from the creditor.(2) The purchase price and the terms of the guaranteed asset protection waiver, including without limitation, the requirements for protection, conditions, or exclusions associated with the guaranteed asset protection waiver.(3) The length of the free-look period, which shall be at least 30 days, and the procedure by which a borrower may exercise the borrower's rights during that period.(4) The terms required by G.S. 66-445.(5) The methodology for calculating any refund of the unearned purchase price of the guaranteed asset protection waiver due in the event of cancellation of the guaranteed asset protection waiver or early termination of the vehicle finance agreement.(6) The procedure the borrower must follow, if any, to obtain guaranteed asset protection waiver benefits under the terms and conditions of the waiver, including a telephone number and address where the borrower may apply for waiver benefits.(7) A statement that neither the extension of credit, the terms of the credit, nor the terms of the related vehicle sale or lease may be conditioned upon the purchase of the guaranteed asset protection waiver.  (2013-193, s. 1.)