reglab/housing_qa huggingface dataset:
MI Comp L § 446.113 (2021)
2021 Michigan Compiled Laws|Chapter 446 - Business Regulation|Act 66 of 2009 - Refund Anticipation Loan Disclosure Act (446.111 - 446.121)|Section 446.113 - Definitions.

446.113 Definitions.Sec. 3.  As used in this act:  (a) "Annual percentage rate" means the rate as computed under the federal truth in lending act, 15 USC 1601 to 1667f.  (b) "Facilitator" means a person that individually or in conjunction or cooperation with another person processes, receives, or accepts for delivery an application for a refund anticipation loan or a check in payment of refund anticipation loan proceeds or in any other manner materially facilitates the making of a refund anticipation loan. The term does not include any of the following:  (i) A financial institution.  (ii) An affiliate that is a servicer for a financial institution.  (iii) A person certified, registered, or licensed to engage in the practice of public accounting under article 7 of the occupational code, 1980 PA 299, MCL 339.720 to 339.736.   (c) "Financial institution" means a state or nationally chartered bank or a state or federally chartered savings and loan association, savings bank, or credit union.  (d) "Lender" means a person that makes a refund anticipation loan.  (e) "Person" means an individual, partnership, association, corporation, limited liability company, or other legal entity.  (f) "Refund anticipation loan" means an extension of credit to a taxpayer that a person arranges to be repaid directly from the proceeds of the taxpayer's federal or state personal income tax refund.  (g) "Refund anticipation loan fee" means the charges, fees, or other consideration charged or imposed by a person acting as a lender or facilitator for the making of a refund anticipation loan. The term does not include any charge, fee, or other consideration usually charged or imposed by a facilitator in the ordinary course of business for tax return preparation, electronic filing of tax returns, or other nonloan services.  (h) "Taxpayer" means an individual who files a federal or Michigan personal income tax return. History: 2009, Act 66, Imd. Eff. July 9, 2009
MI Comp L § 446.115 (2021)
2021 Michigan Compiled Laws|Chapter 446 - Business Regulation|Act 66 of 2009 - Refund Anticipation Loan Disclosure Act (446.111 - 446.121)|Section 446.115 - Information to Be Disclosed to Taxpayer by Facilitator.

446.115 Information to be disclosed to taxpayer by facilitator.Sec. 5.  Before a taxpayer completes an application for a refund anticipation loan, the facilitator shall clearly disclose all of the following in writing to the taxpayer on a form separate from the application:  (a) A listing or table of refund anticipation loan fees and the annual percentage rates charged by the facilitator or lender for 3 or more representative refund anticipation loan amounts. For each refund anticipation loan amount, the schedule shall list separately the amount of each fee and the amount of interest charged by the facilitator or lender and the total amount of fees and interest charged.  (b) That the refund anticipation loan is an extension of credit and not the taxpayer's actual personal income tax refund.  (c) That electronic filing of the taxpayer's tax return is available without applying for a refund anticipation loan.  (d) The average time announced by the appropriate taxing authority within which the taxpayer can expect to receive a refund if the taxpayer does not obtain a refund anticipation loan and the taxpayer's return is filed using either of the following methods:  (i) Electronically and the refund is directly deposited in the taxpayer's bank account.  (ii) By mail and the refund is directly deposited in the taxpayer's bank account or mailed to the taxpayer.  (e) That the internal revenue service with respect to a federal personal income tax return, or the department of treasury with respect to a Michigan personal income tax return, does not guarantee either of the following:  (i) That the full amount of the anticipated refund will be paid.  (ii) A specific date on which the taxpayer will receive the refund.  (f) That the taxpayer is responsible for repayment of the refund anticipation loan and related fees in the event the tax refund is not paid or is not paid in full.  (g) The estimated time within which the proceeds of the refund anticipation loan will be paid to the taxpayer if the loan is approved.  (h) The fees charged by the facilitator or lender if the refund anticipation loan is not approved. History: 2009, Act 66, Imd. Eff. July 9, 2009
MI Comp L § 446.117 (2021)
2021 Michigan Compiled Laws|Chapter 446 - Business Regulation|Act 66 of 2009 - Refund Anticipation Loan Disclosure Act (446.111 - 446.121)|Section 446.117 - Information to Be Disclosed Before Entering Agreement.

446.117 Information to be disclosed before entering agreement.Sec. 7.  Before entering into a refund anticipation loan agreement, the facilitator shall clearly disclose both of the following to the taxpayer:  (a) The estimated total fees for the refund anticipation loan.  (b) The estimated annual percentage rate for the refund anticipation loan. History: 2009, Act 66, Imd. Eff. July 9, 2009
MI Comp L § 446.119 (2021)
2021 Michigan Compiled Laws|Chapter 446 - Business Regulation|Act 66 of 2009 - Refund Anticipation Loan Disclosure Act (446.111 - 446.121)|Section 446.119 - Violation as Misdemeanor; Penalty.

446.119 Violation as misdemeanor; penalty.Sec. 9.  A person, including, but not limited to, a facilitator or a member, officer, director, agent, or employee of a facilitator, that violates or participates in a violation of this act is guilty of a misdemeanor punishable by a fine of not more than $500.00 or imprisonment for not more than 93 days, or both. History: 2009, Act 66, Imd. Eff. July 9, 2009
MI Comp L § 446.121 (2021)
2021 Michigan Compiled Laws|Chapter 446 - Business Regulation|Act 66 of 2009 - Refund Anticipation Loan Disclosure Act (446.111 - 446.121)|Section 446.121 - Preemption.

446.121 Preemption.Sec. 11.  A political subdivision of this state shall not adopt any rule, regulation, code, or ordinance to restrict or limit any requirements under this act relating to refund anticipation loans. This act supersedes and preempts any rule, regulation, code, or ordinance of any political subdivision of this state relating to refund anticipation loans. History: 2009, Act 66, Imd. Eff. July 9, 2009
MI Comp L § 446.131 (2021)
2021 Michigan Compiled Laws|Chapter 446 - Business Regulation|Act 67 of 2009 - Refund Anticipation Loan Act (446.131 - 446.141)|Section 446.131 - Short Title.

446.131 Short title.Sec. 1.  This act shall be known and may be cited as the "refund anticipation loan act". History: 2009, Act 67, Imd. Eff. July 9, 2009
MI Comp L § 446.133 (2021)
2021 Michigan Compiled Laws|Chapter 446 - Business Regulation|Act 67 of 2009 - Refund Anticipation Loan Act (446.131 - 446.141)|Section 446.133 - Definitions of Certain Terms.

446.133 Definitions of certain terms.Sec. 3.  As used in this act, "facilitator", "lender", "person", and "refund anticipation loan fee" mean those terms as defined in the refund anticipation loan disclosure act. History: 2009, Act 67, Imd. Eff. July 9, 2009
MI Comp L § 446.135 (2021)
2021 Michigan Compiled Laws|Chapter 446 - Business Regulation|Act 67 of 2009 - Refund Anticipation Loan Act (446.131 - 446.141)|Section 446.135 - Refund Anticipation Loan; Certain Conduct by Facilitator Prohibited.

446.135 Refund anticipation loan; certain conduct by facilitator prohibited.Sec. 5.  A facilitator that facilitates or offers to facilitate a refund anticipation loan shall not do any of the following:  (a) Require a consumer to enter into a refund anticipation loan arrangement in order to complete a tax return.  (b) Misrepresent a material factor or condition of granting a refund anticipation loan.  (c) Fail to process the application for a refund anticipation loan after an applicant applies for the refund anticipation loan.  (d) Engage in any fraudulent transaction, practice, or course of business with any person in connection with a refund anticipation loan. History: 2009, Act 67, Imd. Eff. July 9, 2009
MI Comp L § 446.137 (2021)
2021 Michigan Compiled Laws|Chapter 446 - Business Regulation|Act 67 of 2009 - Refund Anticipation Loan Act (446.131 - 446.141)|Section 446.137 - Rescission.

446.137 Rescission.Sec. 7.  A borrower who obtains a refund anticipation loan may rescind the refund anticipation loan, on or before the close of business on the business day following the day the loan is made, by returning the original check issued to the borrower for the loan or paying the amount of the refund anticipation loan by money order or certified check to the lender or the facilitator. A facilitator shall not charge the borrower a fee for rescinding a refund anticipation loan and shall return any fee charged for making a refund anticipation loan if the refund anticipation loan is rescinded under this subsection. However, a facilitator or lender is not required to return to a customer who rescinds a refund anticipation loan under this subsection a fee charged to the customer by the facilitator or lender for establishing and administering a bank account to electronically receive and distribute the customer's tax refunds. History: 2009, Act 67, Imd. Eff. July 9, 2009
MI Comp L § 446.139 (2021)
2021 Michigan Compiled Laws|Chapter 446 - Business Regulation|Act 67 of 2009 - Refund Anticipation Loan Act (446.131 - 446.141)|Section 446.139 - Violation as Misdemeanor; Penalty.

446.139 Violation as misdemeanor; penalty.Sec. 9.  A person, including, but not limited to, a facilitator or a member, officer, director, agent, or employee of a facilitator, that violates or participates in a violation of this act is guilty of a misdemeanor punishable by a fine of not more than $500.00 or imprisonment for not more than 93 days, or both. History: 2009, Act 67, Imd. Eff. July 9, 2009
MI Comp L § 446.141 (2021)
2021 Michigan Compiled Laws|Chapter 446 - Business Regulation|Act 67 of 2009 - Refund Anticipation Loan Act (446.131 - 446.141)|Section 446.141 - Preemption.

446.141 Preemption.Sec. 11.  A political subdivision of this state shall not adopt any rule, regulation, code, or ordinance to restrict or limit any requirements under this act relating to refund anticipation loans. This act supersedes and preempts any rule, regulation, code, or ordinance of any political subdivision of this state relating to refund anticipation loans. History: 2009, Act 67, Imd. Eff. July 9, 2009
MI Comp L § 446.161 (2021)
2021 Michigan Compiled Laws|Chapter 446 - Business Regulation|Act 550 of 2016 - Bad-Faith Patent Infringement Claims Act (446.161 - 446.173)|Section 446.161 - Short Title.

446.161 Short title.Sec. 1.  This act shall be known and may be cited as the "bad-faith patent infringement claims act". History: 2016, Act 550, Eff. Oct. 1, 2017
MI Comp L § 446.163 (2021)
2021 Michigan Compiled Laws|Chapter 446 - Business Regulation|Act 550 of 2016 - Bad-Faith Patent Infringement Claims Act (446.161 - 446.173)|Section 446.163 - Definitions.

446.163 Definitions.Sec. 3.  As used in this act:  (a) "Person" means an individual, partnership, corporation, association, governmental entity, or other legal entity.  (b) "Target" means a person that purchases, rents, leases, or otherwise obtains a product or service in the commercial market that is not for resale in the commercial market and that is, or later becomes, the subject of the patent infringement allegation. History: 2016, Act 550, Eff. Oct. 1, 2017
MI Comp L § 446.165 (2021)
2021 Michigan Compiled Laws|Chapter 446 - Business Regulation|Act 550 of 2016 - Bad-Faith Patent Infringement Claims Act (446.161 - 446.173)|Section 446.165 - Unlawful Practice.

446.165 Unlawful practice.Sec. 5.  It is an unlawful practice under this act for a person, in connection with the assertion of a United States patent, to send or cause another person to send a written communication, including an electronic communication, that states in bad faith that the target is infringing or has infringed a patent and bears liability or owes compensation to another person, if 1 or more of the following apply:  (a) The communication falsely states that an action seeking administrative or judicial relief has been filed against the target or an affiliated person.  (b) The assertions contained in the communication lack a reasonable basis in fact or law because 1 or more of the following are true:  (i) The person asserting the patent does not have the current right, and does not represent a person that has the current right, to license the patent to or enforce the patent against the target or an affiliated person.  (ii) The communication seeks compensation for a patent that has been held to be invalid or unenforceable in a final, unappealable or unappealed judicial or administrative decision.  (iii) The communication seeks compensation because of activities undertaken after the patent has expired.  (c) The communication does not contain all of the following information necessary to inform the target or an affiliated person about the patent assertion:   (i) The identity of the person asserting a right to license the patent to or enforce the patent against the target or an affiliated person.  (ii) The number of the patent issued by the United States Patent and Trademark Office alleged to have been infringed.  (iii) The factual allegations concerning the specific areas in which the products or services obtained by the target or an affiliated person infringed the patent. History: 2016, Act 550, Eff. Oct. 1, 2017
MI Comp L § 446.169 (2021)
2021 Michigan Compiled Laws|Chapter 446 - Business Regulation|Act 550 of 2016 - Bad-Faith Patent Infringement Claims Act (446.161 - 446.173)|Section 446.169 - Powers of Attorney General Relating to Unlawful Practice; Action by Target or Affiliated Person Aggrieved by Violation; Remedies to Plaintiff; Bond.

446.169 Powers of attorney general relating to unlawful practice; action by target or affiliated person aggrieved by violation; remedies to plaintiff; bond.Sec. 9.  (1) The attorney general may do all of the following related to unlawful practice under this act:  (a) Conduct a civil investigation as provided in section 9a.  (b) Enter into an assurance of discontinuance under section 9b.  (c) Bring a civil action as provided in section 9c.  (d) Promulgate rules under the administrative procedures act of 1969, 1969 PA 306, MCL 24.201 to 24.328.   (2) A target or an affiliated person aggrieved by a violation of this act may bring an action in the circuit court. The court may award the following remedies to a plaintiff that prevails in an action brought under this subsection:  (a) An injunction prohibiting any further written communication related to the unlawful practice giving rise to the action.  (b) Actual damages.  (c) Costs and fees, including reasonable attorney fees.  (d) Exemplary damages in an amount equal to 3 times the actual damages.  (3) On a motion by the plaintiff and a finding by the court that there is a reasonable likelihood that the defendant in an action under subsection (2) violated this act, the court may require the defendant to post a bond in an amount equal to a good-faith estimate of the plaintiff's costs to litigate the claim and an amount reasonably likely to be awarded under subsection (2), conditioned on payment of any amount finally determined to be due to the plaintiff. The court shall not order a bond to be posted under this subsection that exceeds $250,000.00. A court may waive the bond requirement under this subsection if it finds the defendant has available assets equal to the amount of the proposed bond or for other good cause shown. History: 2016, Act 550, Eff. Oct. 1, 2017
MI Comp L § 446.169b (2021)
2021 Michigan Compiled Laws|Chapter 446 - Business Regulation|Act 550 of 2016 - Bad-Faith Patent Infringement Claims Act (446.161 - 446.173)|Section 446.169b - Assurance of Discontinuance.

446.169b Assurance of discontinuance.Sec. 9b.  (1) If the attorney general has authority to institute an action under section 9c, the attorney general may accept an assurance of discontinuance of a practice that is alleged to be unlawful under section 5 from the person that is alleged to have engaged, be engaging, or be about to engage in the practice. An assurance under this section does not constitute an admission of guilt and is not admissible in any other proceeding. The assurance may include a stipulation for 1 or more of the following:  (a) The voluntary payment by the person of the costs of investigation.  (b) An amount to be held in escrow pending the outcome of an action.  (c) An amount for restitution to an aggrieved person.  (2) An assurance of discontinuance under this section must be in writing and may be filed with the circuit court of Ingham County. The clerk of the court shall maintain a record of filings under this section. Unless rescinded by the parties or voided by a court for good cause, the assurance may be enforced in the circuit court by the parties to the assurance. The assurance may be modified by the parties or by a court for good cause. History: 2016, Act 550, Eff. Oct. 1, 2017
MI Comp L § 446.169c (2021)
2021 Michigan Compiled Laws|Chapter 446 - Business Regulation|Act 550 of 2016 - Bad-Faith Patent Infringement Claims Act (446.161 - 446.173)|Section 446.169c - Temporary or Permanent Injunction; Action by Attorney General; Notice; Award of Investigation and Enforcement Costs; Civil Fine; Violation of Terms of Injunction or Judgment; Enjoining Person From Doing Business in State.

446.169c Temporary or permanent injunction; action by attorney general; notice; award of investigation and enforcement costs; civil fine; violation of terms of injunction or judgment; enjoining person from doing business in state.Sec. 9c.  (1) If the attorney general has probable cause to believe that a person has engaged, is engaging, or is about to engage in an unlawful practice as described in section 5 and gives notice as provided in this section, the attorney general may bring an action to restrain the person by temporary or permanent injunction from engaging in the practice. The action may be brought in the circuit court of the county where the person is established or conducts business or, if the person is not established in this state, in the circuit court for Ingham County.   (2) Unless notice is waived by the court on good cause shown not less than 10 days before the commencement of an action under this section, the attorney general shall notify the person against whom the attorney general intends to bring an action of the intended action and give the person an opportunity to cease and desist from the alleged unlawful practice or to confer with the attorney general in person, by counsel, or by other representative as to the proposed action before the proposed filing date. The notice may be given to the person by first-class mail, postage prepaid, to his or her usual place of business or, if the person does not have a usual place of business, to his or her last known address, or, if the person is a corporation, only to a resident agent who is designated to receive service of process or to an officer of the corporation.  (3) In an action brought under this section, the court may award investigation and enforcement costs.  (4) In an action brought under this section, the court may assess the defendant a civil fine of not more than $50,000.00.  (5) A person that knowingly violates the terms of an injunction or judgment issued under this section is subject to a civil fine of not more than $5,000.00 for each violation.  (6) On the petition of the attorney general, the circuit court may enjoin a person from doing business in this state if the person persistently and knowingly evades or prevents compliance with an injunction issued under this act. History: 2016, Act 550, Eff. Oct. 1, 2017
MI Comp L § 446.171 (2021)
2021 Michigan Compiled Laws|Chapter 446 - Business Regulation|Act 550 of 2016 - Bad-Faith Patent Infringement Claims Act (446.161 - 446.173)|Section 446.171 - Scope of Act.

446.171 Scope of act.Sec. 11.  (1) Subject to section 5, this act does not make it an unlawful practice for a person that owns or has the right to license or enforce a patent to do any of the following:   (a) Advise others of that ownership or right of license or enforcement.  (b) Communicate to others that the patent is available for license or sale.  (c) Notify another of the infringement of the patent.  (d) Seek compensation because of past or present infringement or for a license to the patent.  (2) This act does not limit rights and remedies available to this state or to any person under any other law and does not alter or restrict the attorney general's authority under the Michigan consumer protection act, 1976 PA 331, MCL 445.901 to 445.922, with regard to conduct involving assertions of patent infringement.  (3) This act does not apply to a written or electronic communication sent by any of the following:  (a) An owner or licensee of a patent that is using the patented invention in connection with research, development, production, manufacturing, processing, or delivery of products or materials.  (b) An institution of higher education as that term is defined in section 101 of the higher education act of 1965, 20 USC 1001.  (c) A technology transfer organization whose primary purpose is to facilitate the commercialization of technology developed by an institution of higher education, not-for-profit research institute, or health system.  (d) A person seeking a claim for relief arising under 21 USC 355, 35 USC 271(e)(2), or 42 USC 262. History: 2016, Act 550, Eff. Oct. 1, 2017
MI Comp L § 446.173 (2021)
2021 Michigan Compiled Laws|Chapter 446 - Business Regulation|Act 550 of 2016 - Bad-Faith Patent Infringement Claims Act (446.161 - 446.173)|Section 446.173 - Effective Date.

446.173 Effective date.Sec. 13.  This act takes effect October 1, 2017. History: 2016, Act 550, Eff. Oct. 1, 2017