reglab/housing_qa huggingface dataset:
MA Gen L ch 167a § 3a (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 167a - Bank Holding Companies|Section 3a - Bank Holding Company Subsidiaries Acting as Agents

Section 3A. Any banking institution doing business in the commonwealth that is a subsidiary of a bank holding company may receive deposits, renew time deposits, close loans, service loans, and receive payments on loans and other obligations in the commonwealth as an agent for another banking institution, whether located within the commonwealth or in another state, which is a subsidiary of the same bank holding company; provided, however, that the banking institution so acting as agent pursuant to this section shall not be deemed to be a branch of the principal banking institution. A banking institution acting as such agent pursuant to this section shall not conduct any activity which it would be prohibited from conducting as a principal under any state or federal law or, as a principal, have any such agent conduct any activity which such institution would be prohibited from conducting under any state or federal law. Any such agency relationship shall be consistent with safe and sound banking practices and all applicable regulations of the commissioner. For the purposes of this section, the term ''bank holding company'' shall have the same meaning as set forth in the Bank Holding Company Act of 1956 12 USC 1841 et seq.
MA Gen L ch 167a § 5 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 167a - Bank Holding Companies|Section 5 - Registration of Certain Companies With Commissioner; Reports; Examinations; Rules and Regulations

Section 5. (a) Each bank holding company shall register with the commissioner on forms prescribed by him which shall include such information with respect to the financial condition, operations, management and intercompany relationships of the bank holding company and its affiliates and related matters as he may deem necessary or appropriate to carry out the purposes of this chapter. The commissioner may, in his discretion, extend the time within which a bank holding company shall register and file the requisite information.  (b) The commissioner, from time to time, may require reports under oath to keep him informed as to whether the provisions of this chapter and the rules and regulations established thereunder have been complied with, and, except in the case of a national banking association, he may make examinations of each bank holding company and each affiliate thereof, the cost of which shall be assessed against and paid by such holding company.  (c) The commissioner may establish such rules and regulations as he deems necessary to carry out the purposes of this chapter.
MA Gen L ch 167a § 6 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 167a - Bank Holding Companies|Section 6 - Fines and Penalties for Violations

Section 6. (a) Any company which knowingly violates any provision of this chapter or any regulation or order issued by the commissioner pursuant thereto may be punished by a fine of not more than one hundred dollars for each day during which such violation continues.  (b) Any individual who willfully participates in a violation of this chapter, or any rule or regulation of the commissioner issued pursuant thereto, shall be punished by a fine of not more than five thousand dollars.  (c) Any individual who swears or affirms that any report required by the commissioner pursuant to this chapter is true, knowing the same to be false, shall be punished by a fine of not more than five thousand dollars or by imprisonment for not more than one year, or both.  (d) Any officer, director, trustee, employee or agent of any bank holding company or affiliate thereof who makes any false entry in any book, record or statement of such company or affiliate with the intent to deceive any examiner lawfully appointed to examine into its condition or into any of its affairs, or who, with like intent, willfully omits to make a true entry of any material pertaining to the business of such company or affiliate in any book, report, record or statement of such company or affiliate, made, written or kept by him or under his direction shall be punished by a fine of not more than ten thousand dollars, or by imprisonment in the state prison for not more than ten years, or in a jail or house of correction for not more than two and one half years, or by both such fine and imprisonment.
MA Gen L ch 167a § 7 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 167a - Bank Holding Companies|Section 7 - Supreme Judicial Court; Jurisdiction to Enforce Chapter

Section 7. The supreme judicial court or any justice thereof shall have jurisdiction in equity to enforce the provisions of this chapter.
MA Gen L ch 167a § 8 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 167a - Bank Holding Companies|Section 8 - Confidentiality of Information in Any Application Filed With the Board of Bank Incorporation

Section 8. A banking institution, a bank holding company, a company or a mutual holding company, as defined in section 1 of chapter 167H, may request that specific information in any application filed with the board of bank incorporation be eligible for confidential treatment. The following information shall be eligible for confidential treatment: (i) personal information, the release of which would constitute a clearly unwarranted invasion of privacy; (ii) commercial or financial information, the disclosure of which could result in substantial competitive harm to the submitter; and (iii) information, the disclosure of which could seriously affect the financial condition of any such banking institution, bank holding company, company or mutual holding company. The board may determine that certain information should be treated as confidential and withhold that information from the public file.  If any such banking institution, bank holding company, company or mutual holding company requests confidential treatment for information that the board determines not to be confidential, the board may include that information in the public file after notifying the banking institution, bank holding company, company or mutual holding company.
MA Gen L ch 167b § 6 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 167b - Electronic Branches and Electronic Fund Transfers|Section 6 - Consumer Access to Electronic Fund Transfer

Section 6. A person shall not issue to a consumer an access device to the consumer's account for the purpose of initiating an electronic fund transfer other than: (1) in response to a request or application therefor and upon verification of the consumer's identity, which may be by any reasonable means such as by photograph, fingerprint, personal visit, signature comparison or appropriate non-documentary means; or (2) as a renewal of, or in substitution for, an accepted access device, whether issued by the initial issuer or a successor.
MA Gen L ch 167b § 6a (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 167b - Electronic Branches and Electronic Fund Transfers|Section 6a - Security Options

Section 6A. In order to promote the security of electronic fund transfers, financial institutions shall make available to consumers:  (a) Options to limit the total amount of cash which can be withdrawn through the use of an electronic branch, from a consumer's account in a single day; provided, however, that if more than one consumer has been issued an access device to the consumer's account, such options may be made available to each such consumer. The options shall include, but need not be limited to, a limit of fifty dollars.  (b) An option to limit access through an electronic branch to one or more specified accounts.
MA Gen L ch 167b § 7 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 167b - Electronic Branches and Electronic Fund Transfers|Section 7 - Prohibitions

Section 7. No person may:  (1) condition the extension of credit to a consumer on such consumer's repayment by means of preauthorized electronic fund transfers;  (2) require a consumer to accept an electronic fund transfer service or to establish an account for receipt of electronic fund transfers with a financial institution as a condition of employment or receipt of a government benefit; provided, however, that where a consumer's account is to be credited by a preauthorized electronic fund transfer, the consumer shall have the choice of selecting the financial institution to which the transfer shall be made if such institution is technically capable of receiving such a transfer; or  (3) condition the sale of goods or services to a consumer on such consumer's payment by means of an electronic fund transfer.
MA Gen L ch 167b § 11 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 167b - Electronic Branches and Electronic Fund Transfers|Section 11 - Waiver of Rights

Section 11. No writing or other agreement between a consumer and any other person may contain any provision which constitutes a waiver of any right conferred or cause of action created by this chapter. Nothing in this section prohibits, however, any writing or other agreement which grants to a consumer a more extensive right or remedy or greater protection than contained in this chapter or a waiver given in settlement of a dispute or action.
MA Gen L ch 167b § 13 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 167b - Electronic Branches and Electronic Fund Transfers|Section 13 - System Malfunction; Suspension of Obligation

Section 13. If a system malfunction prevents the effectuation of an electronic fund transfer initiated by a consumer to another person, and such other person has agreed to accept payment by such means, the consumer's obligation to the other person shall be suspended until the malfunction is corrected and the electronic fund transfer may be completed, unless such other person has subsequently, by written request, demanded payment by means other than an electronic fund transfer.
MA Gen L ch 167b § 14 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 167b - Electronic Branches and Electronic Fund Transfers|Section 14 - Identifying Numbers; Social Security Number; Prohibition

Section 14. The consumer's United States Social Security number shall not be used as a central information file number, personal identification number, primary financial account number, or a subpart thereof. Such social security number shall not be used to electronically identify the consumer to any financial institution or organization, provided, however, that it may be used to assist a financial institution or organization in verifying the identity of a consumer and provided, further, that such social security number is not used to circumvent or evade the prohibition of this section.
MA Gen L ch 167b § 15 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 167b - Electronic Branches and Electronic Fund Transfers|Section 15 - Credit or Cash Refunds

Section 15. If it is the policy of a person to give cash refunds for payments made by cash, such person shall also give credit or cash refunds for payments made by electronic fund transfers, unless it is clearly and conspicuously disclosed at the time the transaction is consummated that such person does not give credit or cash refunds for payments made by electronic fund transfers.
MA Gen L ch 167b § 17 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 167b - Electronic Branches and Electronic Fund Transfers|Section 17 - Remedies for Wrong Resolution of Account Error Resulting From Electronic Funds Transfer

Section 17. A financial institution shall comply with the requirements and a consumer shall be entitled to the remedies for error resolution for an electronic fund transfer required in accordance with the Electronic Funds Transfer Act, 15 USC 1693 et seq. and regulations promulgated thereunder. If in an action under section 20, the court finds that the financial institution knowingly and willfully concluded that the consumer's account was not in error when the conclusion could not reasonably have been drawn from the evidence available to the financial institution at the time of its investigation, then the consumer shall be entitled to treble damages determined under clause (1) of subsection (a) of said section 20.
MA Gen L ch 167b § 19 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 167b - Electronic Branches and Electronic Fund Transfers|Section 19 - Liability of Financial Institution to Consumer

Section 19. (a) Subject to subsections (b) and (c), a financial institution shall be liable to a consumer for all damages proximately caused by:  (1) the financial institution's failure to make an electronic fund transfer, in accordance with the terms and conditions of an account, in the correct amount or in a timely manner when properly instructed to do so by the consumer, except where:  (A) the consumer's account has insufficient funds;  (B) the funds are subject to legal process or other encumbrance restricting such transfer;  (C) such transfer would exceed an established credit limit; or  (D) an electronic branch has insufficient cash to complete the transaction,  (2) the financial institution's failure to make an electronic fund transfer due to insufficient funds when the financial institution failed to credit, in accordance with the terms and conditions of an account, a deposit of funds to the consumer's account which would have provided sufficient funds to make the transfer, and  (3) the financial institution's failure to stop payment of a preauthorized transfer from a consumer's account when instructed to do so in accordance with the terms and conditions of the account.  (b) A financial institution shall not be liable under clauses (1) and (2) of subsection (a) if the financial institution shows by a preponderance of the evidence that its action or failure to act resulted from—  (1) an act of God or other circumstance beyond its control, that it exercised reasonable care to prevent such an occurrence, and that it exercised such diligence as the circumstances required; or  (2) a technical malfunction which was known to the consumer at the time he attempted to initiate an electronic fund transfer or, in the case of a preauthorized transfer, at the time such transfer should have occurred.  (c) In the case of a failure described in subsection (a) which was not intentional and which resulted from a bona fide error, notwithstanding the maintenance of procedures reasonably adapted to avoid any such error, the financial institution shall be liable for actual damages proved.
MA Gen L ch 167b § 22 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 167b - Electronic Branches and Electronic Fund Transfers|Section 22 - Actions and Proceedings; Injunctions; Penalties

Section 22. (a) Whenever the commissioner has reason to believe that any person is in violation of any provision of this chapter, and that proceedings would be in the public interest, the commissioner may request the attorney general to bring an action in the name of the commonwealth against such person to restrain the violation by temporary restraining order or preliminary or permanent injunction. The action may be brought in the superior court of the county in which such person resides or has his principal place of business, or the action may be brought in the superior court of Suffolk county with the consent of the parties or if the person has no place of business within the commonwealth. Said court may issue temporary restraining orders or preliminary or permanent injunctions.  (b) Any person who violates the terms of an injunction or other order issued under this section shall forfeit and pay to the commonwealth a civil penalty of not more than ten thousand dollars for each violation. For the purposes of this section, the court issuing such injunction or order shall retain jurisdiction, and the cause shall be continued, and in such case the attorney general acting in the name of the commonwealth may petition for recovery of such civil penalty.  (c) In any case where the commissioner has authority to request that the attorney general institute an action or proceedings under this section, in lieu thereof the commissioner may accept an assurance of discontinuance of any method, act or practice in violation of this chapter from any person alleged to be engaged or to have been engaged in such method, act or practice. Any such assurance of discontinuance shall be in writing and be filed with the superior court of Suffolk county.  (d) The commissioner may issue a cease and desist order upon a finding that a person is utilizing an electronic branch in a manner not specifically authorized by this chapter.
MA Gen L ch 167b § 24 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 167b - Electronic Branches and Electronic Fund Transfers|Section 24 - Assessment

Section 24. The commissioner of banks shall make an assessment in each fiscal year against all electronic branches established and operated under this chapter or chapter 167C or 171. Said assessments shall be made at rates as shall be determined by the commissioner as sufficient to produce revenue to reimburse the commonwealth for all costs and expenses incurred by the division of banks for such fiscal year in meeting the requirements imposed under this chapter, including, but not limited to, costs and expenses incurred in examining entities and organizations in their operations and use of electronic branches, in hiring personnel, acquiring additional equipment and such other costs and expenses determined by the commissioner as reasonable and necessary to meet such requirements.  In determining the rates of assessments, the commissioner shall consider the amounts of the other assessments and fees paid by banks and credit unions to state and federal bank regulators for the supervision, regulation and examination of their banking operations. The rate of the assessment on such banks and credit unions shall not exceed 50 per cent of the amount assessed by the commissioner on non-bank ATM providers for a non-bank electronic branch.  The owner or lessor of each electronic branch shall pay the assessment in a manner determined by the commissioner.  The amount assessed annually under this section shall not be less than the average of the amount assessed in the last 3 fiscal years.  For the purposes of this section, the word ''bank'' shall include a bank, a federal bank, an out-of-state bank and an out-of-state federal bank as defined in section 1 of chapter 167. The term ''credit union'' shall mean a credit union, a federal credit union and a foreign credit union as defined in section 1 of chapter 171.
MA Gen L ch 167c § 2 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 167c - Bank Locations|Section 2 - Main Office; Change of Location

Section 2. The main office of a bank shall be in the town specified in its charter or in its agreement of association or in such other town to which the office has been lawfully moved or to which it may be moved as provided in this section. The location of the main office of a bank may be changed to a point in the town of its location or to another town within the commonwealth with the written consent of the commissioner. The business conducted by a bank at its main office shall include not less than 1 of the following transactions: receiving deposits; paying withdrawals; or making loans.
MA Gen L ch 167c § 3 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 167c - Bank Locations|Section 3 - Branch Offices or Depots

Section 3. A bank which has received a rating of satisfactory or higher in its most recent examination pursuant to section 14 of chapter 167 and which is adequately capitalized, and has not been notified that it is in troubled condition, may establish and maintain 1 or more branch offices or depots in a city or town within the commonwealth upon at least 60 days written notice in advance thereof to the commissioner; but, if in the opinion of the commissioner, the public would not benefit by the establishment of the additional banking facilities or that competition among banking institutions would be adversely affected thereby, he may disapprove the same in writing within the 60–day period.  A bank, national banking association, federal savings and loan association or federal savings bank located in the commonwealth, the majority of shares of the voting stock of which is owned by a bank holding company pursuant to chapter 167A, 167H, or 12 USC 1841 et seq., if the main office of such company is located in the commonwealth, may transact with a customer business which pertains to the customer's accounts maintained at any other bank located in the commonwealth the majority of the voting shares of which is owned by the same bank holding company in like manner.  With the written consent of the commissioner and under procedures as he may require, a branch office or depot may be closed or its location may be changed; but before approving the closing or relocation, the commissioner shall determine that the area served by the branch office or depot will not be adversely affected thereby. In making that determination, the commissioner shall consider the effects of the closing as it relates to the availability of credit in the area, the convenience and necessity of deposit services therein, and other factors he considers appropriate.  The business at a depot shall be transacted only on the days designated by the governing board thereof, and shall be limited to the receipt of deposits and collection of moneys due or payable to the bank, and the business shall be subject to such other conditions, prescribed by the commissioner.
MA Gen L ch 167c § 4 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 167c - Bank Locations|Section 4 - Mobile Branch Banking

Section 4. The commissioner may authorize a bank to conduct mobile branch banking subject to this chapter in any county in the commonwealth in which the bank has its main office or a branch office under conditions as he may approve and in accordance with regulations he may establish for the purpose.