reglab/housing_qa huggingface dataset:
59 OK Stat § 59-3040.10 (2021)
2021 Oklahoma Statutes|Title 59. Professions and Occupations|§59-3040.10. Informed choice and disclosure statement.

|A. A licensed or unlicensed midwife shall disclose verbally and in written form to a prospective client at the outset of the professional relationship: |1. Which credential the midwife possesses, if any;2. The limitations of the skills and practices of a midwife;3. Whether the midwife carries malpractice insurance; and4. A plan for emergencies and complications to include selection of a hospital in case of emergency.B. The Advisory Committee on Midwifery shall prescribe the form of the informed choice and disclosure statement required to be used by a licensed or unlicensed midwife under this act. The form shall be posted on the website of the Department and shall include:1. Credential of the midwife, if any;2. Disclosure of experience as a midwife;3. The date the license expires, if the midwife is licensed;4. Documentation of compliance with continuing education requirements, if the midwife is licensed;5. A description of the transfer or referral strategy;6. Direction on where to find the scope of practice standards of a licensed midwife, as provided by rules of the State Commissioner of Health; and7. Additional informed choice and disclosure statements approved by the Committee and provided by rule specific to vaginal birth after Caesarean (VBAC), vaginal breech birth and vaginal multiple birth.C. The informed choice and disclosure statement shall include a notification that state law requires a newborn to be tested for certain heritable disorders and hypothyroidism, in the absence of a signed parental waiver from the State Department of Health.D. A licensed midwife shall disclose to a prospective or actual client the procedure for reporting complaints to the Department.Added by Laws 2020, c. 40, § 10, eff. Nov. 1, 2020.
59 OK Stat § 59-3040.11 (2021)
2021 Oklahoma Statutes|Title 59. Professions and Occupations|§59-3040.11. Advising clients to seek medical care – Emergency situations.

|A. A licensed midwife shall advise a client in writing to seek medical care through consultation or referral, as specified by rules of the State Commissioner of Health, if the midwife determines that the pregnancy, labor, delivery, postpartum period or newborn period of a woman or newborn may not be within the scope of practice of the midwife. |B. A licensed midwife shall call for emergency assistance in an emergency situation that is outside of the licensed midwife's scope of practice.Added by Laws 2020, c. 40, § 11, eff. Nov. 1, 2020.
59 OK Stat § 59-3040.12 (2021)
2021 Oklahoma Statutes|Title 59. Professions and Occupations|§59-3040.12. Liability immunity for physicians or Certified Nurse-Midwives.

|A physician or Certified Nurse-Midwife who issues an order directing or instructing a midwife is immune from liability arising out of the inability, failure or refusal of the midwife to comply with the order. |Added by Laws 2020, c. 40, § 12, eff. Nov. 1, 2020.
59 OK Stat § 59-3040.13 (2021)
2021 Oklahoma Statutes|Title 59. Professions and Occupations|§59-3040.13. State roster of licensed midwives.

|A. The State Department of Health shall maintain a roster of each person licensed as a midwife in this state. The roster shall contain for each licensed midwife the information required on the informed choice and disclosure statement under Section 3040.10 of this title and other information the Department determines necessary to accurately identify each licensed midwife. The roster shall be a public document available under the Oklahoma Open Records Act. |B. The Department shall provide each county clerk and each local registrar of births in a county with the name of each midwife practicing in the county.C. Any data required to be submitted to the Department pursuant to Shepherd's Law shall not contain any personally identifying information of the client by the midwife and shall be considered confidential records collected for statistical information purposes only.Added by Laws 2020, c. 40, § 13, eff. Nov. 1, 2020. Amended by Laws 2021, c. 411, § 3, eff. Nov. 1, 2021.
59 OK Stat § 59-3101 (2021)
2021 Oklahoma Statutes|Title 59. Professions and Occupations|§59-3101. Short title.

|This act shall be known and may be cited as the “Deferred Deposit Lending Act”. |Added by Laws 2003, c. 240, § 1, eff. Sept. 1, 2003.
59 OK Stat § 59-3101.1 (2021)
2021 Oklahoma Statutes|Title 59. Professions and Occupations|§59-3101.1. Termination of licenses upon implementation of Oklahoma Small Lenders Act.

|Any person licensed pursuant to the Deferred Deposit Lending Act may make application for licensure under the Oklahoma Small Lenders Act beginning on January 1, 2020. Beginning on and after August 1, 2020, no new deferred deposit loan may be entered into or transacted by a licensee or other person; provided, however, a licensed deferred deposit lender may continue to administer and collect all outstanding deferred deposit loan payments on all loans transacted before August 1, 2020, until such loans are paid in full according to the terms of the written loan agreements, at which time the licensee's authority under the Deferred Deposit Lending Act shall terminate and expire notwithstanding any period remaining on an existing deferred deposit lender's license. All Deferred Deposit Lending Act licenses shall be terminated and be deemed to have expired on August 1, 2020, upon the implementation of the Oklahoma Small Lenders Act, except as provided herein. |Added by Laws 2019, c. 89, § 1, eff. Nov. 1, 2019.
59 OK Stat § 59-3103 (2021)
2021 Oklahoma Statutes|Title 59. Professions and Occupations|§59-3103. Application of act.

|A. The scope of this act shall not apply to a supervised lender licensed under the Uniform Consumer Credit Code. Further, nothing in this act shall modify, affect, alter, change or restrict practices or operations of supervised lenders under the Uniform Consumer Credit Code, rules of the Oklahoma Department of Consumer Credit or rules or interpretations of the Administrator of the Department of Consumer Credit. |B. Except as otherwise provided in subsection A of this section, the provisions of this act shall apply to all deferred deposit loans made; provided, the following lenders shall not be subject to the licensing requirements of this act:1. A bank, savings institution, credit union or farm credit system organized under and regulated by the laws of the United States or any state;2. Government or governmental agencies or instrumentalities; or3. Pawnbrokers engaged in pawn transactions as defined in the Oklahoma Pawnshop Act.C. The provisions of this act shall apply to transactions if the lender, wherever located, enters into the transaction with the debtor by mail, brochure, telephone, print, radio, television, Internet, or any other means.Added by Laws 2003, c. 240, § 3, eff. Sept. 1, 2003. Amended by Laws 2004, c. 557, § 2, emerg. eff. June 10, 2004.
59 OK Stat § 59-3103.1 (2021)
2021 Oklahoma Statutes|Title 59. Professions and Occupations|§59-3103.1. Confidential information - Disclosure exemption.

|All information contained in the database for deferred deposit lenders, which is authorized under the Deferred Deposit Lending Act, shall be confidential. The information contained in the database for deferred deposit lenders shall be exempt from disclosure under the provisions of the Oklahoma Open Records Act and the provisions of the Deferred Deposit Lending Act, including, but not limited to, Section 3104 of Title 59 of the Oklahoma Statutes, except that the information in the database may be accessed by deferred deposit lenders to verify whether any deferred deposit transaction is outstanding for a particular person and by the Oklahoma Department of Consumer Credit for regulatory purposes consistent with the provisions of the Deferred Deposit Lending Act. |Added by Laws 2012, c. 117, § 1, emerg. eff. April 23, 2012.
59 OK Stat § 59-3105 (2021)
2021 Oklahoma Statutes|Title 59. Professions and Occupations|§59-3105. Right of rescission.

|Without penalty or cost of any kind, a debtor in a deferred deposit loan transaction shall have the right to rescind in writing the deferred deposit loan until 5 p.m. on the next business day following the day the debtor signs the deferred deposit loan agreement; provided, any attempted rescission will not be effective unless the notice is timely and is accompanied by a return of the full principal advanced by the lender to the debtor. Exercising rescission entitles the debtor to a full refund of all fees paid by the debtor as part of the deferred deposit loan transaction. Rescission occurs when the debtor gives written notice of rescission to the lender at the address of the office of the licensee as stated in the deferred deposit agreement or at the location where the transaction occurred. |Added by Laws 2003, c. 240, § 5, eff. Sept. 1, 2003.
59 OK Stat § 59-3106 (2021)
2021 Oklahoma Statutes|Title 59. Professions and Occupations|§59-3106. Prohibited acts.

|A deferred deposit lender shall not: |1. Charge fees other than, or in excess of those authorized by the Deferred Deposit Lending Act;2. Make deferred deposit loans at unlicensed locations;3. Alter or delete the date on an instrument after it has been accepted by the lender pursuant to a deferred deposit loan;4. Accept an undated instrument or an instrument dated on a date other than the date of the deferred deposit loan;5. Accept an instrument unless the account on which the instrument is drawn is a legitimate, open and active account;6. Require a debtor to provide security for the deferred deposit loan or require a debtor to provide a guaranty from another person;7. Advance a loan amount greater than Five Hundred Dollars ($500.00) to a borrower in one deferred deposit loan transaction exclusive of the finance charge allowed in Section 3108 of this title;8. Engage in a deferred deposit loan with a term of less than twelve (12) days or more than forty-five (45) days;9. Negotiate or present an instrument for payment unless the instrument is endorsed with the actual business name of the lender;10. Negotiate any instrument presented by a borrower if the borrower has redeemed the instrument by paying the full amount due under the deferred deposit loan;11. Make any charge for insurance in connection with a deferred deposit loan transaction;12. Refuse the borrower’s right to rescind the deferred deposit loan at any time between the time of the deferred deposit loan transaction and 5 p.m. of the next business day following the deferred deposit loan transaction;13. Charge the borrower an additional finance charge or fee for cashing a lender’s business instrument, if the lender pays the proceeds from the loan transaction in the form of a business instrument;14. Require or accept more than one dated instrument per deferred deposit loan; or15. Refuse the borrower’s right to enter into an installment payment plan, pursuant to this act.Added by Laws 2003, c. 240, § 6, eff. Sept. 1, 2003. Amended by Laws 2004, c. 557, § 4, emerg. eff. June 10, 2004.
59 OK Stat § 59-3107 (2021)
2021 Oklahoma Statutes|Title 59. Professions and Occupations|§59-3107. Nonpayment on account - Collection practices.

|A. A lender shall collect past-due accounts in a professional, fair and lawful manner, in accordance with the federal Fair Debt Collection Practices Act. |B. A lender shall not threaten or pursue criminal action against a debtor as a result of the debtor’s instrument being returned unpaid or the debtor’s deferred deposit loan account not being paid.C. A debtor shall not be subject to any criminal penalty if an instrument is dishonored.Added by Laws 2003, c. 240, § 7, eff. Sept. 1, 2003.
59 OK Stat § 59-3108 (2021)
2021 Oklahoma Statutes|Title 59. Professions and Occupations|§59-3108. Finance charges - Dishonored instruments.

|A. Regardless of any other law governing the imposition of interest, fees, loan finance charges or the extension of credit, a deferred deposit lender may charge a finance charge for each deferred deposit loan that does not exceed Fifteen Dollars ($15.00) for every One Hundred Dollars ($100.00) advanced up to the first Three Hundred Dollars ($300.00) of the amount advanced; for the advance amounts in excess of Three Hundred Dollars ($300.00), the lender may charge an additional finance charge of Ten Dollars ($10.00) for every One Hundred Dollars ($100.00) advanced in excess of Three Hundred Dollars ($300.00). The credit terms of the deferred deposit loan shall be disclosed in accordance with Regulation Z, including the terms “finance charge” and “annual percentage rate”. The finance charge under this subsection shall be deemed fully earned as of the date of the transaction. Except for a fee for a dishonored instrument and the actual database verification fee pursuant to subparagraph b of paragraph 2 of subsection B of Section 3109 of this title, the lender may charge only those charges expressly authorized in this subsection in connection with a deferred deposit loan. |B. If an instrument held by a lender as a result of a deferred deposit loan is returned to the lender from a payor financial institution due to insufficient funds, a closed account or a stop payment order, the lender shall have the right to exercise all civil means authorized by law to collect the amount of the instrument. In addition, the lender may contract for and collect a dishonored instrument charge, not to exceed Twenty-five Dollars ($25.00); however, a dishonored instrument charge shall not be allowed if the instrument is dishonored by a financial institution, or the debtor places a stop payment order, due to forgery or theft of the instrument.Added by Laws 2003, c. 240, § 8, eff. Sept. 1, 2003. Amended by Laws 2004, c. 557, § 5, emerg. eff. June 10, 2004.
59 OK Stat § 59-3110 (2021)
2021 Oklahoma Statutes|Title 59. Professions and Occupations|§59-3110. Limit on number of loans - Payment in full required.

|After the debtor has entered into a fifth consecutive deferred deposit loan, a lender shall not make a deferred deposit loan to a debtor until 8:00 a.m. on the second business day after the fifth consecutive deferred deposit loan has been paid in full. |Added by Laws 2003, c. 240, § 10, eff. Sept. 1, 2003. Amended by Laws 2004, c. 557, § 7, emerg. eff. June 10, 2004.
59 OK Stat § 59-3111 (2021)
2021 Oklahoma Statutes|Title 59. Professions and Occupations|§59-3111. Advertising.

|A. No lender shall engage in this state in false or misleading advertising concerning the terms or conditions of credit with respect to a deferred deposit loan. |B. Advertising which complies with Regulation Z does not violate subsection A of this section.Added by Laws 2003, c. 240, § 11, eff. Sept. 1, 2003.
59 OK Stat § 59-3112 (2021)
2021 Oklahoma Statutes|Title 59. Professions and Occupations|§59-3112. License required - Separate license required for each business location.

|A. No person may engage in the business of making deferred deposit loans without first obtaining a license pursuant to this act, unless exempt under subsection B of Section 3 of this act. A separate license is required for each location where deferred deposit loans are made. The licensee shall post its license to engage in the business of making deferred deposit loans at each licensed location. |B. The Administrator may initiate administrative action against an unlicensed person as if the person held a license under this act if the person is found to be engaged in the business of making deferred deposit loans.C. The Administrator may issue a license for each location at which deferred deposit loans are to be made to any person making deferred deposit loans at multiple locations; provided, if such licensee is not in compliance with this act as to each license, any action to revoke, suspend or not renew one license shall be applicable to all licenses issued to that licensee. This subsection shall not be construed to require a license for any place of business devoted to accounting or other record keeping and where deferred deposit loans are not made.D. When a licensee wishes to move a licensed location to another licensed location, the licensee shall give thirty (30) days’ written notice to the Administrator, who shall amend the license accordingly.Added by Laws 2003, c. 240, § 12, eff. Sept. 1, 2003.
59 OK Stat § 59-3116 (2021)
2021 Oklahoma Statutes|Title 59. Professions and Occupations|§59-3116. Additional powers of Administrator.

|A. In addition to other powers granted by this act, the Administrator of Consumer Credit may, within the limitations provided by law: |1. Maintain a list of licensees, which shall be available to interested persons and the public. The Administrator shall also provide a toll-free number whereby consumers may obtain information about licensees;2. Establish a complaint process whereby an aggrieved debtor or a member of the public may file a complaint against a licensee or nonlicensee who violates any provision of this act. The Administrator shall hold hearings upon the request of a party to the complaint, make findings of fact and conclusions of law, issue cease and desist orders and suspend or revoke a license granted under this act;3. Take action designed to obtain voluntary compliance with this act or commence proceedings on the Administrator’s own initiative;4. Counsel persons and groups on their rights and duties under this act; and5. With approval of the Commission on Consumer Credit, promulgate, amend and repeal administrative rules to carry out the provisions of the act, as provided by the Administrative Procedures Act.B. The Administrator may conduct a study regarding the system of verification of the existence of deferred deposit loans as provided in paragraph 2 of subsection B of Section 9 of this act to determine:1. If the system adequately provides lenders with information as to the existence of outstanding deferred deposit loans made by other lenders; and2. If it is feasible for the Department of Consumer Credit to develop and maintain a database of outstanding deferred deposit loans to provide such information to lenders.The Administrator shall consult with representatives of deferred deposit lenders, advocates for consumers of this state and other interested parties to conduct the study. The Administrator shall issue a report of any such findings to the President Pro Tempore of the Senate and the Speaker of the House of Representatives not later than December 1, 2004.Added by Laws 2003, c. 240, § 16, eff. Sept. 1, 2003.
59 OK Stat § 59-3117 (2021)
2021 Oklahoma Statutes|Title 59. Professions and Occupations|§59-3117. Civil penalties - Repayment of fees.

|A. The Administrator of Consumer Credit may order and impose civil penalties upon a person subject to the provisions of the Deferred Deposit Lending Act for violations of the Deferred Deposit Lending Act or the rules promulgated to implement the Deferred Deposit Lending Act in an amount not to exceed One Thousand Dollars ($1,000.00) per violation. The Administrator may also order repayment of unlawful fees charged to debtors. |B. Any administrative order or settlement agreement imposing a civil penalty pursuant to this section may be enforced in the same manner as civil judgments in this state. The Administrator may file an application to enforce an administrative order or settlement agreement imposing a civil penalty in the district court of Oklahoma County.Added by Laws 2003, c. 240, § 17, eff. Sept. 1, 2003. Amended by Laws 2010, c. 415, § 34, eff. July 1, 2010.
59 OK Stat § 59-3118 (2021)
2021 Oklahoma Statutes|Title 59. Professions and Occupations|§59-3118. Consumer Credit Counseling Revolving Fund.

|There is hereby created in the State Treasury a revolving fund for the Commission on Consumer Credit to be designated the "Consumer Credit Counseling Revolving Fund". The fund shall consist of fees received by the Administrator of Consumer Credit from deferred deposit lenders for consumer credit counseling services pursuant to the provisions of Section 3119 of this title. The revolving fund shall be a continuing fund not subject to fiscal year limitations and shall be under the administrative direction of the Administrator. Monies accruing to the credit of this fund are hereby appropriated and may be budgeted and expended by the Administrator upon warrants issued by the State Treasurer against claims filed as prescribed by law with the Director of the Office of Management and Enterprise Services for approval and payment. |Added by Laws 2003, c. 240, § 18, eff. Sept. 1, 2003. Amended by Laws 2004, c. 557, § 8, emerg. eff. June 10, 2004; Laws 2010, c. 415, § 35, eff. July 1, 2010; Laws 2012, c. 304, § 294.
59 OK Stat § 59-3150 (2021)
2021 Oklahoma Statutes|Title 59. Professions and Occupations|§59-3150. Short title - Oklahoma Small Lenders Act.

|This act shall be known and may be cited as the "Oklahoma Small Lenders Act". |Added by Laws 2019, c. 89, § 2, eff. Nov. 1, 2019.
59 OK Stat § 59-3150.1 (2021)
2021 Oklahoma Statutes|Title 59. Professions and Occupations|§59-3150.1. Definitions.

|As used in this act, unless the context requires otherwise: |1. "Administrator" means the Administrator of the Department of Consumer Credit or the Administrator's designee;2. "Affiliate" means a person or organization directly or indirectly controlling, controlled by or under common control with the licensee;3. "Control" means possession, directly or indirectly, of the power to direct or cause the direction of management and policies of a person, whether through ownership of voting securities, by contract or otherwise. No individual shall be deemed to control a person solely on account of being a director, officer or employee of the person. For purposes of this paragraph, a person who directly or indirectly owns, controls, holds the power to vote or holds proxies representing twenty-five percent (25%) or more of the current outstanding voting securities issued by another person is presumed to control the other person, and the Administrator may determine whether a person, in fact, controls another person;4. "Controlling person" means any person in control of a licensee;5. "Department" means the Department of Consumer Credit;6. "Small loan" means a loan made pursuant to a written agreement subject to this act between a licensee and customer establishing a credit plan under which the licensee contemplates credit transactions from time to time that:a.shall be unsecured,b.shall not have a term longer than twelve (12) months or less than sixty (60) days,c.shall be fully amortized and payable in substantially equal periodic payments, andd.are subject to prepayment in whole or in part at any time without penalty;7. "Licensee" means a person licensed to offer small loans pursuant to this act;8. "Person" means an individual, group of individuals, partnership, association, corporation or any other business, unit or legal entity; and9. "Default" means:a.the failure of a customer to make a required payment within a certain number of days of the due date as agreed upon by the licensee and the customer per the small loan agreement; provided, that such agreed-upon number of days not exceed sixty-one (61) days after a failure to make a required payment on the due date, orb.the customer's failure to otherwise perform the obligations under the small loan agreement.Added by Laws 2019, c. 89, § 3, eff. Nov. 1, 2019.