reglab/housing_qa huggingface dataset:
NE Code § 45-195 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-195 - Transferred to section 45-1060.

45-195.  Transferred to section 45-1060.
NE Code § 45-196 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-196 - Transferred to section 45-1061.

45-196.  Transferred to section 45-1061.
NE Code § 45-198 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-198 - Transferred to section 45-1062.

45-198.  Transferred to section 45-1062.
NE Code § 45-199 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-199 - Transferred to section 45-1063.

45-199.  Transferred to section 45-1063.
NE Code § 45-1,100 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-1,100 - Transferred to section 45-1064.

45-1,100.  Transferred to section 45-1064.
NE Code § 45-1,101 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-1,101 - Transferred to section 45-1065.

45-1,101.  Transferred to section 45-1065.
NE Code § 45-1,102 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-1,102 - Transferred to section 45-1066.

45-1,102.  Transferred to section 45-1066.
NE Code § 45-1,103 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-1,103 - Transferred to section 45-1067.

45-1,103.  Transferred to section 45-1067.
NE Code § 45-1,104 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-1,104 - Federal interest rate limitations; rejected by state.

45-1,104.  Federal interest rate limitations; rejected by state.The federal limits on interest rates as provided in sections 501(a)(1), 511, and 524 of Public Law 96-221 shall not apply to loans, mortgages, credit sales, and advances made in Nebraska and are hereby rejected by the State of Nebraska pursuant to this section. Sections 521 to 523 of Public Law 96-221 are not rejected. Subject to the foregoing, the State of Nebraska elects to retain the power to establish or not establish usury limits provided under the Nebraska statutes and the Nebraska Constitution and retains the power to have such limits, if any, apply to any loan, mortgage, credit sale, or advance made in this state after July 17, 1982.Source   Laws 1982, LB 623, § 2;   Laws 1988, LB 913, § 2.
NE Code § 45-1,105 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-1,105 - Terms, defined.

45-1,105.  Terms, defined.As used in sections 45-1,105 to 45-1,110, unless the context otherwise requires:(1) Collateral shall mean the property subject to a security interest as defined by the Uniform Commercial Code;(2) Consumer shall mean a natural person to whom credit is offered or extended by way of a transaction if the money, property, or services of the transaction are primarily for personal, family, or household purposes;(3) Credit shall mean the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment;(4) Creditor shall mean creditors who regularly extend, or arrange for the extension of, credit which is payable by agreement in more than four installments or for which payment of a finance charge is or may be required, whether in connection with loans, sale of property or services, or otherwise; and(5) Default shall mean either of the following, if without justification under any law:(a) The consumer fails to make a payment required by the agreement; or(b) The prospect of payment, performance, or realization of collateral is significantly impaired. The burden of establishing the prospect of significant impairment shall be on the creditor.Source  Laws 1983, LB 111, § 1.
NE Code § 45-1,106 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-1,106 - Consumer credit transaction; default; notice required.

45-1,106.  Consumer credit transaction; default; notice required.(1) With respect to a consumer credit transaction, after a consumer has been in default for ten days, a creditor may give the consumer the notice described in this section. A creditor gives notice to the consumer under this section when he or she delivers the notice to the consumer or delivers or mails the notice to the consumer's last-known residence address.(2) The notice shall be in writing and shall conspicuously state: The name, address, and telephone number of the creditor to which payment is to be made; a brief identification of the credit transaction; the consumer's right to cure the default; and the amount of payment and date by which payment must be made to cure the default, or any other performance necessary to cure the default and the date by which such performance must be tendered.Source  Laws 1983, LB 111, § 2.
NE Code § 45-1,107 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-1,107 - Consumer credit transaction; default; consumer's right to cure.

45-1,107.  Consumer credit transaction; default; consumer's right to cure.(1) With respect to a consumer credit transaction, after a default a creditor may neither accelerate maturity of the unpaid balance of the obligation nor take possession of collateral, except voluntarily surrendered collateral, because of such default until twenty days after a notice of the consumer's right to cure is given. The consumer shall have twenty days after the notice is given to cure any default by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid charges, or by tendering any other performance necessary to cure the default as specified in the notice of right to cure. Cure shall restore the consumer to his or her rights under the agreement as though the default had not occurred.(2) With respect to defaults on the same obligation after a creditor has once given notice of the consumer's right to cure, the consumer shall have no further right to cure and the creditor has no obligation to proceed against the consumer or the collateral.Source  Laws 1983, LB 111, § 3.
NE Code § 45-1,108 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-1,108 - Consumer credit transaction; voluntary surrender of goods; creditor's right to enforce security interest.

45-1,108.  Consumer credit transaction; voluntary surrender of goods; creditor's right to enforce security interest.Sections 45-1,105 to 45-1,107 shall not prohibit a consumer from voluntarily surrendering possession of goods which are collateral and shall not prohibit the creditor from thereafter enforcing any security interest in the goods at any time after default.Source  Laws 1983, LB 111, § 4.
NE Code § 45-1,109 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-1,109 - Consumer credit transactions; procedures; when applicable.

45-1,109.  Consumer credit transactions; procedures; when applicable.Sections 45-1,105 to 45-1,110 shall apply to all consumer credit transactions in this state subject to a security interest, as defined in subdivision (35) of section 1-201, Uniform Commercial Code, entered into, extended, or renewed on or after January 1, 1984.Source   Laws 1983, LB 111, § 5;  Laws 2005, LB 570, § 1.
NE Code § 45-1,110 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-1,110 - Consumer credit default procedures; not applicable to certain licensees.

45-1,110.  Consumer credit default procedures; not applicable to certain licensees.Sections 45-1,105 to 45-1,110 shall not apply to any licensee operating under the Nebraska Installment Loan Act.Source   Laws 1983, LB 111, § 6;   Laws 1997, LB 555, § 26;  Laws 2001, LB 53, § 100.  Cross References  Nebraska Installment Loan Act, see section 45-1001.
NE Code § 45-1,111 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-1,111 - Forced sale; disposition of certain proceeds.

45-1,111.  Forced sale; disposition of certain proceeds.In any forced sale of real or personal property conducted to satisfy the claims of creditors, any proceeds of such sale which exceed the claims of such creditors shall be retained by the debtor.Source  Laws 1987, LB 335, § 3.
NE Code § 45-1,112 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-1,112 - Terms, defined.

45-1,112.  Terms, defined.For purposes of sections 45-1,112 to 45-1,115:(1)(a) Credit agreement means:(i) A contract, promise, undertaking, offer, or commitment to loan money or to grant or extend credit; or(ii) A contract, promise, undertaking, or offer to forebear repayment of money or to make any other financial accommodation in connection with a loan of money or grant or extension of credit, or any amendment of, cancellation of, waiver of, or substitution for any or all of the terms or provisions of any instrument or document executed in connection with a loan of money or grant or extension of credit, except for loans of money or grants or extensions of credit which are:(A) Not in excess of twenty-five thousand dollars and used primarily for personal, family, or household purposes of the debtor or debtors; or(B) Used for the purchase of and secured solely by the principal residence of the debtor or debtors.(b) Credit agreement does not include (i) letters of credit or (ii) promissory notes, real estate mortgages, trust deeds, security agreements, financing statements, guarantee agreements, pledge agreements, or other similar documents or instruments evidencing an obligation to repay indebtedness or securing the repayment of indebtedness;(2) Creditor means any financial institution which makes a credit agreement with a debtor;(3) Debtor means a person or entity which obtains credit from a creditor, seeks a credit agreement with a creditor, or owes money to a creditor; and(4) Financial institution means a state-chartered or federally chartered bank, savings bank, building and loan association, credit union, or savings and loan association or a holding company or affiliate or subsidiary of such an institution.Source   Laws 1989, LB 606, § 1;   Laws 1990, LB 1199, § 1;  Laws 2003, LB 131, § 27.  Annotations The broad language in the definition of credit agreements precludes recovery for a credit agreement based on the promissory estoppel doctrine, which is wholly dependent on reliance on a promise or assurance. Synergy4 Enters. v. Pinnacle Bank, 290 Neb. 241, 859 N.W.2d 552 (2015).
NE Code § 45-1,113 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-1,113 - Action or defense based on credit agreement; requirements.

45-1,113.  Action or defense based on credit agreement; requirements.(1) A debtor or a creditor may not maintain an action or assert a defense in an action based on a credit agreement unless the credit agreement is in writing, expresses consideration, sets forth the relevant terms and conditions of the credit agreement, and is signed by the creditor and by the debtor.(2) Subsection (1) of this section shall not apply to (a) credit extended on an account as defined in section 4-104, Uniform Commercial Code, (b) loans initiated by credit card or other type of transaction card, or (c) credit agreements as defined in subdivision (1)(a)(ii) of section 45-1,112 unless the creditor, at the time of the initial loan of money or grant or extension of credit, has given to the debtor a written notice, signed or initialed by the debtor, which contains substantially the following language: A credit agreement must be in writing to be enforceable under Nebraska law. To protect you and us from any misunderstandings or disappointments, any contract, promise, undertaking, or offer to forebear repayment of money or to make any other financial accommodation in connection with this loan of money or grant or extension of credit, or any amendment of, cancellation of, waiver of, or substitution for any or all of the terms or provisions of any instrument or document executed in connection with this loan of money or grant or extension of credit, must be in writing to be effective.(3) This section shall not be construed to limit or bar the recovery of money owed or collateral securing a loan in any way.Source   Laws 1989, LB 606, § 2;   Laws 1990, LB 1199, § 2.  Annotations  The credit agreement statute of frauds is not coextensive with the general statute of frauds with all the common-law exceptions. Synergy4 Enters. v. Pinnacle Bank, 290 Neb. 241, 859 N.W.2d 552 (2015). This section supersedes the common-law theory of promissory estoppel insofar as it applies to unwritten credit agreements or oral promises to loan money or extend credit. Synergy4 Enters. v. Pinnacle Bank, 290 Neb. 241, 859 N.W.2d 552 (2015).
NE Code § 45-1,114 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-1,114 - Implied credit agreement; limitations.

45-1,114.  Implied credit agreement; limitations.A credit agreement shall not be implied under any circumstances from (1) the relationship, fiduciary or otherwise, of the creditor and the debtor, (2) the rendering of financial advice by a creditor to a debtor, or (3) consultation by a creditor with a debtor.Source   Laws 1989, LB 606, § 3;   Laws 1990, LB 1199, § 3.
NE Code § 45-1,115 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-1,115 - Sections; applicability.

45-1,115.  Sections; applicability.Sections 45-1,112 to 45-1,115 shall apply to credit agreements entered into on or after July 10, 1990.Source   Laws 1989, LB 606, § 4;   Laws 1990, LB 1199, § 4.
NE Code § 45-1,116 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-1,116 - Transferred to section 45-1068.

45-1,116.  Transferred to section 45-1068.
NE Code § 45-204 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-204 - Terms, defined.

45-204.  Terms, defined.As used in sections 45-204 to 45-209, unless the context otherwise requires:(1) Seller shall mean a person, firm, or corporation, except a bank, selling goods or furnishing services to a buyer under a revolving charge agreement, including the operator of a card system whereby a cardholder purchases goods or services from participating merchants or others;(2) Buyer shall mean a person, firm, or corporation buying goods or services from a seller or using a card system for the purchase of goods or services from participating merchants or others under a revolving charge agreement;(3) Time-price differential, however denominated or expressed, shall mean the amount or rate which is paid or payable for the privilege of purchasing goods or services to be paid for by the buyer in installments over a period of time; and(4) Revolving charge agreement shall mean an agreement prescribing the terms of installment sales to be made from time to time pursuant thereto wherein the buyer's total unpaid balance is payable in installments over a period of time, and under the terms of which a time-price differential as provided in section 45-207 is to be computed in relation to the buyer's unpaid balance from time to time.Source   Laws 1965, c. 267, § 1, p. 754;   Laws 1984, LB 736, § 1.
NE Code § 45-206 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-206 - Monthly statement by seller; contents; payment in full; requirements.

45-206.  Monthly statement by seller; contents; payment in full; requirements.(1) The seller under a revolving charge agreement shall promptly supply the buyer under such agreement with a statement as of the end of each monthly period, which need not be a calendar month, or other regular period agreed upon by the seller and the buyer, in which there is any unpaid balance thereunder, which shall recite the following: (a) The unpaid balance under the revolving charge agreement at the beginning and end of the period; (b) unless otherwise furnished by the seller to the buyer by sales slip, memorandum, or otherwise, a description or identification of the goods or services purchased, the cash price, and the date of each purchase; (c) the payments made by the buyer to the seller and any other credits to the buyer during the period; (d) the amount of the time-price differential, if any; and (e) a legend to the effect that the buyer may at any time pay the total balance or any portion thereof. The items need not be stated in the sequence or order set forth in this subsection and additional items may be included to explain the computations made in determining the amount to be paid by the buyer. Compliance with the applicable disclosure requirements of the federal regulations which implement the federal Consumer Credit Protection Act shall be deemed compliance with this section.(2) If the amount owed under a revolving charge agreement has been paid in full and has been inactive for at least twenty-four months, the seller shall mark the revolving charge agreement as closed or paid in full. The seller shall give written notice to the buyer of the closed or paid-in-full status of the revolving charge agreement within forty-five days after the seller has so marked the revolving charge agreement.Source   Laws 1965, c. 267, § 3, p. 754;   Laws 1984, LB 736, § 4;  Laws 2004, LB 999, § 33.
NE Code § 45-207 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-207 - Time-price differential; rate; maximum.

45-207.  Time-price differential; rate; maximum.Notwithstanding the provisions of any other law, the seller or assignee under a revolving charge agreement may charge, receive, and collect a time-price differential which shall not exceed the following rate: One and three-quarters percent per month on amounts less than five hundred dollars, and one and one-half percent per month on amounts of five hundred dollars or more. The rate shall be computed on the unpaid balance under the agreement from month to month, which need not be a calendar month, or other period as agreed, except that no time-price differential shall be assessed on an account if payment of the outstanding balance is received prior to the beginning of the next billing cycle under the agreement.Source   Laws 1965, c. 267, § 4, p. 755;   Laws 1977, LB 40, § 253;   Laws 1980, LB 308, § 1;   Laws 1984, LB 736, § 5.
NE Code § 45-208 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-208 - Violations; penalty.

45-208.  Violations; penalty.Any person who willfully and knowingly violates any provisions of section 45-207 shall be guilty of a Class II misdemeanor. In addition the seller shall forfeit all time-price differential paid and cancel the outstanding indebtedness.Source   Laws 1965, c. 267, § 5, p. 755;   Laws 1977, LB 40, § 253.
NE Code § 45-209 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-209 - Prohibited acts.

45-209.  Prohibited acts.No person shall purchase securities, deposit funds, or make investments under a revolving charge agreement.Source  Laws 1984, LB 736, § 2.
NE Code § 45-333 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-333 - Transferred to section 45-408.

45-333.  Transferred to section 45-408.
NE Code § 45-334 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-334 - Act, how cited.

45-334.  Act, how cited.Sections 45-334 to 45-356 shall be known and may be cited as the Nebraska Installment Sales Act.Source   Laws 1965, c. 268, § 1, p. 756;   Laws 1994, LB 979, § 11;  Laws 2007, LB124, § 31;  Laws 2012, LB965, § 1;  Laws 2016, LB778, § 3.  Annotations Installment Sales Act of 1965 sustained as constitutional. Engelmeyer v. Murphy, 180 Neb. 295, 142 N.W.2d 342 (1966).
NE Code § 45-337 (2021)
2021 Nebraska Revised Statutes|Chapter 45 - Interest, Loans, and Debt|45-337 - Insurance; policy; cancellation; premium refund; fee.

45-337.  Insurance; policy; cancellation; premium refund; fee.(1) The amount, if any, included for insurance, which may be purchased by the holder of the contract, shall not exceed the applicable premium rates chargeable in accordance with filings, if any, with the Department of Insurance. If dual interest insurance on the goods is purchased by the holder it shall, within thirty days after execution of the installment contract, send or cause to be sent to the buyer a policy or policies or certificate of insurance, written by an insurance company authorized to do business in this state, clearly setting forth the amount of the premium, the kind or kinds of insurance, the coverages, and all the terms and conditions of the contract or contracts of insurance.(2) If any insurance is canceled or the premium adjusted during the term of the installment contract, any refund of the insurance premium plus the unearned time-price differential thereon received by the holder shall be credited by the holder to the last maturing installment of the contract except to the extent applied toward payment for similar insurance protecting the interests of the buyer and the holder or either of them.(3) If any insurance is canceled due to the payment of all sums for which the buyer is liable under an installment contract, the holder of the installment contract shall, upon receipt of payment of all sums due, send notice to the buyer within fifteen business days of the name, address, and telephone number of the insurance company which issued the insurance contract or the party responsible for any refund, and notice that the buyer may be eligible for a refund. A copy of such notice shall be retained by the holder of the installment contract. This subsection does not apply if the holder of the loan contract previously credited the refund of the insurance premium to the loan contract or otherwise refunded the insurance premium to the buyer.(4) The holder may also purchase nonfiling insurance and charge a reasonable fee. The fee shall not exceed the amount of fees and charges prescribed by law which would have been paid to public officials for filing, perfecting, releasing, and satisfying any lien or security interest in the goods or services.Source   Laws 1965, c. 268, § 4, p. 759;   Laws 1989, LB 94, § 2;  Laws 2000, LB 932, § 32;  Laws 2002, LB 957, § 21.