reglab/housing_qa huggingface dataset:
LA Rev Stat § 6:950.8 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§950.8. Savings clause

RS 950.8 - Savings clause  Nothing in this Part shall be interpreted or construed as approving any act, actions, or conduct which is or has been or may be in violation of any existing law, nor shall anything herein contained constitute a defense to any action, suit, or proceeding pending or hereafter instituted on account of any prohibited antitrust or monopolistic act, action, or conduct.  Added by Acts 1986, No. 595, §1, eff. July 2, 1986.
LA Rev Stat § 6:951 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§951. Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.

RS 951 - Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.
LA Rev Stat § 6:952 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§952. Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.

RS 952 - Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.
LA Rev Stat § 6:953 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§953. Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.

RS 953 - Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.
LA Rev Stat § 6:954 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§954. Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.

RS 954 - Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.
LA Rev Stat § 6:955 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§955. Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.

RS 955 - Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.
LA Rev Stat § 6:956 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§956. Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.

RS 956 - Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.
LA Rev Stat § 6:956.1 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§956.1. Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.

RS 956.1 - Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.
LA Rev Stat § 6:956.2 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§956.2. Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.

RS 956.2 - Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.
LA Rev Stat § 6:957 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§957. Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.

RS 957 - Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.
LA Rev Stat § 6:958 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§958. Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.

RS 958 - Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.
LA Rev Stat § 6:959 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§959. Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.

RS 959 - Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.
LA Rev Stat § 6:960 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§960. Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.

RS 960 - Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.
LA Rev Stat § 6:961 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§961. Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.

RS 961 - Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.
LA Rev Stat § 6:962 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§962. Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.

RS 962 - Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.
LA Rev Stat § 6:963 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§963. Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.

RS 963 - Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.
LA Rev Stat § 6:964 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§964. Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.

RS 964 - Repealed by Acts 1999, No. 794, §2, eff. July 2, 1999.
LA Rev Stat § 6:965 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§965. Scope and definitions

RS 965 - Scope and definitions  A. This Chapter may be cited as the "Additional Default Remedies Act".  B. This Chapter provides additional remedies on default by the debtor under a secured transaction under Chapter 9 of the Louisiana Commercial Laws, R.S. 10:9-101 et seq., R.S. 9:5351 et seq., R.S. 9:5367 et seq., and R.S. 32:701 et seq., as applicable, entitling the secured party to obtain possession and dispose of the collateral as provided herein. These remedies shall be in addition to all other remedies applicable to nonpossessory security interests affecting collateral in which a security interest or chattel mortgage, as applicable, has been granted, which shall remain available and in full force and effect in their entirety.  C. As used in this Chapter, the following terms have the following meanings:  (1) "Breach of peace" shall include but not be limited to the following:  (a) Unauthorized entry by a repossessor into a closed dwelling, whether locked or unlocked.  (b) Oral protest by a debtor to the repossessor against repossession prior to the repossessor seizing control of the collateral shall constitute a breach of the peace by the repossessor.  (2) "Collateral" shall refer to "motor vehicles" and "motorcycles" and has the meanings set forth in R.S. 32:1252.  (3) "Debtor" shall have the meaning set forth in R.S. 10:9-102(a).1  (4) "Default" means nonpayment of two consecutive payments on the date due. In the event that payments are required to be made more frequently than on a monthly basis, "default" shall mean nonpayment for a period of sixty days.  (5) "Secured party" shall have the meaning set forth in R.S. 10:9-102(a) and shall also mean a lessor of a motor vehicle as defined in R.S. 9:3306.  D. Repealed by Acts 2010, No. 519, §1.  Acts 1992, No. 235, §1, eff. Jan. 1, 1993; Acts 1993, No. 927, §1; Acts 2001, No. 943, §1; Acts 2004, No. 191, §1, eff. Jan. 1, 2005; Acts 2010, No. 519, §1; Acts 2016, No. 205, §1.  1See R.S. 10:9-102(a)(28), Acts 2001, No. 128.
LA Rev Stat § 6:967 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§967. Appeal from order

RS 967 - Appeal from order A suspensive appeal shall not be granted unless the debtor has answered the rule pleading that the debt was paid or extinguished, or that the debt or security interest is otherwise unenforceable, and the appeal has been applied for and the appeal bond filed within twenty-four hours after the issuance of the order. Acts 1992, No. 235, §1, eff. Jan. 1, 1993; Acts 1993, No. 927, §1.
LA Rev Stat § 6:968 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§968. §§968, 969 Repealed by Acts 1974, No. 466, §3.

RS 968 - §§968, 969 Repealed by Acts 1974, No. 466, §3.
LA Rev Stat § 6:969.1 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§969.1. Short title

RS 969.1 - Short title This Chapter shall be known and may be cited as the "Louisiana Motor Vehicle Sales Finance Act". Acts 1999, No. 794, §1, eff. July 2, 1999.
LA Rev Stat § 6:969.2 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§969.2. Scope

RS 969.2 - Scope A. Subject to the provisions of Subsections B and C of this Section, the parties to a motor vehicle credit transaction may agree that the law of the place where the motor vehicle credit transaction is entered into or the law of the residence of the consumer shall apply. B. Whenever an action is brought in this state to enforce rights arising from a motor vehicle credit transaction wherever made, and whatever state's law shall contractually govern, the extender of credit shall, where applicable, reduce the charges sought to be collected so that they do not exceed those provided in this Chapter. This requirement applies only to then unpaid charges sought to be collected. The extender of credit shall not be required to refund or credit the consumer for any charges previously paid that are permitted under the laws of the chosen forum, but which are in excess of those permitted under this Chapter. C. Except as otherwise provided herein, the agreements by a consumer to consent to the jurisdiction of another state and fix venue are invalid with respect to motor vehicle credit transactions, or modifications thereof, to which this Chapter applies. D. All fees and charges authorized under this Chapter, whether or not such fees and charges constitute or are considered to be loan finance charges or credit service charges, shall be deemed to be "material to the determination of the interest rate" for purposes of exportation to consumers residing in other states under the most favored lender doctrine of federal law. Acts 1999, No. 794, §1, eff. July 2, 1999.
LA Rev Stat § 6:969.3 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§969.3. Exclusions

RS 969.3 - Exclusions A. Except as provided in Subsection B of this Section, this Chapter does not apply to any of the following: (1) Extensions of credit to business entities, including government or governmental agencies or instrumentalities. (2) Extensions of credit primarily for business, commercial, or agricultural purposes. (3) Open-end credit transactions, including without limitation, revolving loan and lender credit card transactions that may involve the secured purchase money financing of a motor vehicle. (4) Consumer credit transactions subject to the Louisiana Consumer Credit Law, R.S. 9:3510 et seq. (5) Credit transactions by federally and state-chartered credit unions to their members. (6) Federally related mortgage loans subject to R.S. 9:3503 et seq. and 12 U.S.C. 1735F(7). B. All persons financing the purchase or acquisition of a motor vehicle, irrespective of whether the transaction otherwise is subject to this Chapter, shall comply with the requirements of R.S. 32:1251 et seq. and the rules and regulations of the Louisiana Motor Vehicle Commission pertaining to advertising. Acts 1999, No. 794, §1, eff. July 2, 1999.
LA Rev Stat § 6:969.4 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§969.4. Waiver, agreement to forego rights

RS 969.4 - Waiver, agreement to forego rights A consumer may not waive or agree to forego rights or benefits under this Chapter except that a claim, if disputed in good faith, may be settled by compromise, agreement, or arbitration. Acts 1999, No. 794, §1, eff. July 2, 1999.
LA Rev Stat § 6:969.5 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§969.5. Repealed by Acts 2001, No. 1066, §1.

RS 969.5 - Repealed by Acts 2001, No. 1066, §1.
LA Rev Stat § 6:969.7 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§969.7. Terms; construction; additional fees and charges

RS 969.7 - Terms; construction; additional fees and charges A. As a general rule of construction, persons may look to comparable rules, definitions, and principles under the Federal Truth in Lending Act, 15 U.S.C. 1601 et seq., and Regulation Z of the Board of Governors of the Federal Reserve System, 12 C.F.R. 226.1 et seq., for guidance in further defining and interpreting terms and concepts that are not otherwise defined or specified under the provisions of this Chapter. Specifically, those fees and charges that are not classified as or considered to be finance charges under 12 C.F.R. 226.4 are not considered to be loan finance charges or credit service charges for purposes of this Chapter. B. Except as limited in amount or prohibited by this Chapter, an extender of credit may impose and collect additional fees and charges contractually provided for under the consumer's promissory note, installment sales contract, or credit agreement. Acts 1999, No. 794, §1, eff. July 2, 1999.
LA Rev Stat § 6:969.8 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§969.8. Construction against implicit repeal

RS 969.8 - Construction against implicit repeal This Chapter being a general act intended as a unified coverage of its subject matter, no part of it shall be deemed impliedly repealed by subsequent legislation if such construction can reasonably be avoided. Acts 1999, No. 794, §1, eff. July 2, 1999.
LA Rev Stat § 6:969.9 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§969.9. Consumer loans

RS 969.9 - Consumer loans A. The maximum loan finance charge for any consumer loan that may be charged, contracted for, or received may equal either Paragraph (1) or (2) of this Subsection but not exceed: (1) The sum of all of the following: (a) Thirty-six percent per annum for that portion of the unpaid principal amount of the loan not exceeding one thousand four hundred dollars. (b) Twenty-seven percent per annum for that portion of the unpaid principal amount of the loan exceeding one thousand four hundred dollars and not exceeding four thousand dollars. (c) Twenty-four percent per annum for that portion of the unpaid principal amount on the loan exceeding four thousand dollars and not exceeding seven thousand dollars. (d) Twenty-one percent per annum for that portion of the unpaid principal amount of the loan exceeding seven thousand dollars. (2) The credit service charge rate that would otherwise apply under R.S. 6:969.10 to a comparable consumer credit sale of a Class 2, Class 3, or Class 4 motor vehicle, as applicable, and regardless of amount. B. This Section does not limit or restrict the manner of contracting for loan finance charges whether by way of precomputed interest, simple interest, or otherwise, so long as the annualized loan finance charge rate computed on an actuarial or United States Rule basis over the entire scheduled term of the transaction, assuming that all payments will be made when due and disregarding the possible effects of early prepayment or acceleration of maturity, does not exceed the maximum rates permitted in this Chapter. Demand loans shall have a presumed term of five years. C. For the purposes of this Section, the term of a consumer loan commences with the date the contract is signed or the funds advanced, whichever occurs first. Differences in the lengths of months may be disregarded and a day may be counted as one-thirtieth of a month. Subject to classifications and differentiations the lender may reasonably establish, a part of a month in excess of fifteen days may be treated as a full month if periods of fifteen days or less are disregarded and if that procedure is not consistently used to obtain a greater yield than would otherwise be permitted. D. Notwithstanding any provision of Subsection A, the extender of credit may contract for and receive a minimum loan finance charge of not more than fifteen dollars when the amount financed does not exceed two hundred dollars, or twenty-five dollars when the amount financed exceeds two hundred dollars; such charge shall be in lieu of all other loan finance charges. Acts 1999, No. 794, §1, eff. July 2, 1999.
LA Rev Stat § 6:969.10 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§969.10. Consumer credit sale

RS 969.10 - Consumer credit sale A. Except as otherwise provided by R.S. 6:969.11, the maximum credit service charge for any consumer credit sale that may be charged, contracted for, or received may not exceed: (1) Class 1. For any new motor vehicle designated by the manufacturer by a year model not earlier than the year in which the sale is made: Eighteen percent per annum. (2) Class 2. For any new motor vehicle not in Class 1, and any used motor vehicle designated by the manufacturer by year model of the same or not more than two years prior to the year in which the sale is made: Twenty-four percent per annum. (3) Class 3. For any used motor vehicle not in Class 2 and designated by the manufacturer by year model not more than four years prior to the year in which the sale is made: Twenty-seven percent per annum. (4) Class 4. For any used motor vehicle not in Class 2 or Class 3 and designated by the manufacturer by year model more than four years prior to the year in which the sale is made: Thirty-three percent per annum. B. This Section does not limit or restrict the manner of contracting for credit service charges under a consumer credit sale, whether by way of precomputed interest, simple interest, or otherwise, so long as the annualized credit service charge rate computed on an actuarial or United States Rule basis over the entire scheduled term of the transaction, assuming that all payments will be made when due and disregarding the possible effects of early prepayment or acceleration of maturity, does not exceed the maximum rates permitted in this Chapter. C. For purposes of this Section, the term of a consumer credit sale commences with the date the contract is signed or the sale of the motor vehicle is complete, whichever occurs first. Differences in lengths of months may be disregarded and a day may be counted as one-thirtieth of a month. Subject to classifications and differentiations the lender may reasonably establish, a part of a month in excess of fifteen days may be treated as a full month if periods of fifteen days or less are disregarded and if that procedure is not constantly used to obtain a greater yield than would otherwise be permitted. D. Notwithstanding Subsection A, the extender of credit may contract for and receive a minimum credit service charge of not more than fifteen dollars when the amount deferred does not exceed two hundred dollars, or twenty-five dollars when the amount deferred exceeds two hundred dollars. Acts 1999, No. 794, §1, eff. July 2, 1999.
LA Rev Stat § 6:969.11 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§969.11. Maximum charges after negotiations

RS 969.11 - Maximum charges after negotiations A. The obligation arising out of any consumer credit sale may be evidenced by a written contract which may provide for a credit service charge not in excess of the maximum loan finance charge rate which could be charged, contracted for, or received in a consumer loan where the amount deferred is the same as the amount financed and the term is a corresponding term. B.(1) Such written contract must be transferred or assigned to an assignee that is either licensed under this Chapter, or that is exempt from licensing under R.S. 6:969.36, within thirty-five days from the date of making. (2) If such assignment is not made within the said time limit, the seller shall do all of the following: (a) Notify the consumer that the contract, note, or agreement was not transferred or assigned. (b) Credit the obligation with any amounts contracted for in excess of the credit service charge authorized by R.S. 6:969.10. Such computation shall be made as of the date of making and the consumer shall be notified of such credit. (c) Provide the consumer, prior to the first installment due date, with a new payment schedule reflecting the change in terms. (d) Notify the consumer of the address where payments are to be made if such address is different from the address previously given to the consumer. Acts 1999, No. 794, §1, eff. July 2, 1999.
LA Rev Stat § 6:969.12 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§969.12. Maximum charges after maturity

RS 969.12 - Maximum charges after maturity In the case of a precomputed transaction which is unpaid at contractual maturity, the rate of the loan finance charge or the credit service charge for the period beginning as of contractual maturity until payment in full may not exceed the rate of the loan finance charge or the credit service charge previously agreed to by the extender of credit and the consumer at the time the motor vehicle credit transaction was entered into. Acts 1999, No. 794, §1, eff. July 2, 1999.
LA Rev Stat § 6:969.13 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§969.13. Leap years

RS 969.13 - Leap years The effects of a leap year may be disregarded for purposes of determining whether the annualized loan finance charge rate or credit service charge rate exceeds the maximum rate limitations provided in this Part. Acts 1999, No. 794, §1, eff. July 2, 1999.
LA Rev Stat § 6:969.14 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§969.14. Variable rates

RS 969.14 - Variable rates An extender of credit may enter into variable rate motor vehicle credit transactions under this Chapter in the manner provided under R.S. 6:242(A)(2). Acts 1999, No. 794, §1, eff. July 2, 1999.
LA Rev Stat § 6:969.16 (2021)
2021 Louisiana Laws|Revised Statutes|Title 6 - Banks and Banking|§969.16. Maximum deferral charges

RS 969.16 - Maximum deferral charges A. With respect to a precomputed transaction, the parties before or after default may agree in writing to a deferral of all or part of one or more unpaid installments, and the extender of credit may make and collect a charge not exceeding the contract rate previously stated to the consumer calculated without regard to differences in the lengths of months, but proportionately for a part of a month, counting each day as one-thirtieth of a month. A deferral charge may be collected at the time it is assessed or at any time thereafter. Deferral charges on a precomputed transaction may be computed on a pro rata basis or any other method of calculation that does not yield a greater sum than the maximum rates permitted in this Part. In lieu of the above, the entire unpaid balance of the transaction may be deferred by charging an amount equal to the contract rate of interest under the transaction times the balance at the time of deferral for the period of deferral. In such a case, the transaction maturity date will be extended by the number of months that the balance is deferred. B. The parties may agree in writing at the time of a precomputed transaction that if an installment is not paid within ten days after its due date, the extender of credit may unilaterally grant a deferral and make charges as provided in this Section. No deferral charge may be made for a period after the date that the extender of credit elects to accelerate the maturity of the agreement. A delinquency charge made by the extender of credit on an installment may not be retained if a deferral charge is made pursuant to this Section with respect to the period of delinquency. C. In addition to the continued assessment of loan finance charges or credit service charges that may be assessed on the outstanding balance of a simple interest transaction, the parties may before or after default agree in writing to a deferral of all or part of one or more unpaid installments, and the extender of credit may make and collect an additional deferral charge in an amount not to exceed twenty-five dollars. This deferral charge may be collected at the time it is assessed or at any time thereafter. D. The extender of credit, in addition to the deferral charge, may make appropriate charges for insurance for the extended period and the amount of these charges which is not paid in cash may be added to the amount for the purpose of calculating the deferral charge. Acts 1999, No. 794, §1, eff. July 2, 1999.