reglab/housing_qa huggingface dataset:
MI Comp L § 445.921 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 331 of 1976 - Michigan Consumer Protection Act (445.901 - 445.922)|Section 445.921 - Investigation of Certain Persons by Commissioner of Insurance; Subpoena; Report.

445.921 Investigation of certain persons by commissioner of insurance; subpoena; report. Sec. 21.  (1) The commissioner of insurance may investigate, in the manner set forth in section 7, a person subject to Act No. 218 of the Public Acts of 1956, as amended, being sections 500.100 to 500.8302 of the Michigan Compiled Laws, who the commissioner believes has engaged, is engaging, or is about to engage in a method, act, or practice which is unlawful under this act.  (2) When the commissioner requires the use of the subpoena power provided in this act, an application shall be made to the attorney general, who shall proceed to procure a subpoena on behalf of the commissioner in accordance with section 7.  (3) Upon conclusion of an investigation, the commissioner shall provide a full report to the attorney general. History: 1976, Act 331, Eff. Apr. 1, 1977
MI Comp L § 445.922 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 331 of 1976 - Michigan Consumer Protection Act (445.901 - 445.922)|Section 445.922 - Effective Date.

445.922 Effective date. Sec. 22.  This act shall take effect April 1, 1977. History: 1976, Act 331, Eff. Apr. 1, 1977
MI Comp L § 445.951 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 424 of 1984 - Rental-Purchase Agreement Act (445.951 - 445.970)|Section 445.951 - Short Title.

445.951 Short title. Sec. 1.  This act shall be known and may be cited as the "rental-purchase agreement act". History: 1984, Act 424, Eff. Mar. 29, 1985
MI Comp L § 445.952 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 424 of 1984 - Rental-Purchase Agreement Act (445.951 - 445.970)|Section 445.952 - Definitions.

445.952 Definitions. Sec. 2.  As used in this act:  (a) "Lessee" means a person who leases property pursuant to a rental-purchase agreement.  (b) "Lessor" means a person who, in the ordinary course of business, regularly leases, offers to lease, or arranges for the leasing of property under a rental-purchase agreement.  (c) "Period" means a day, week, 1 month, or other subdivision of a year.  (d) "Rental-purchase agreement" means an agreement for the use of personal property by a lessee primarily for personal, family, or household purposes, for an initial period of 4 months or less that is automatically renewable with each payment after the initial period and that permits the lessee to become the owner of the property. Rental-purchase agreements shall not include any of the following:  (i) A lease or agreement which constitutes a credit sale as defined in 12 C.F.R. 226.2(a)(16) and section 1602(g) of the truth in lending act, 15 U.S.C. 1602(g).  (ii) A lease which constitutes a consumer lease as defined in 12 C.F.R. 213.2(a)(6).  (iii) Any lease for agricultural, business, or commercial purposes.  (iv) Any lease made to an organization.  (v) Any lease of money or intangible personal property.  (vi) A lease or agreement which constitutes a retail installment transaction as defined in section 2 of the retail installment sales act, Act No. 224 of the Public Acts of 1966, being section 445.852 of the Michigan Compiled Laws. History: 1984, Act 424, Eff. Mar. 29, 1985
MI Comp L § 445.954 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 424 of 1984 - Rental-Purchase Agreement Act (445.951 - 445.970)|Section 445.954 - Amount Necessary to Acquire Ownership; Amount Applied Toward Purchase Price.

445.954 Amount necessary to acquire ownership; amount applied toward purchase price. Sec. 4.  (1) The amount to be paid by the lessee to acquire ownership as disclosed in section 3(j) shall not be greater than the cash price as disclosed under section 3(k) minus an amount equal to 45% of all periodic rental payments made by the lessee.  (2) If at any time an amount equal to 45% of the total periodic rental payments paid by the lessee to the lessor equals the cash purchase price disclosed under section 3(k), then the lessee shall acquire ownership of the rental property.  (3) This section shall not prohibit a lessor from offering a rental purchase agreement which provides that an amount equal to 45% or more of the periodic rental payments is applied toward the purchase price disclosed in section 3(k). History: 1984, Act 424, Eff. Mar. 29, 1985
MI Comp L § 445.955 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 424 of 1984 - Rental-Purchase Agreement Act (445.951 - 445.970)|Section 445.955 - Advertising Requirements; Requirements as to Items Displayed or Offered Under Rental-Purchase Agreement.

445.955 Advertising requirements; requirements as to items displayed or offered under rental-purchase agreement. Sec. 5.  (1) An advertisement for any rental-purchase agreement shall not state that a specific lease of any property at specific amounts or terms is available unless the lessor usually and customarily leases or will lease the property at those amounts or terms.  (2) An advertisement shall not state that a payment or a periodic payment is due at the start of a lease without disclosing both the payment due at the start of the lease, the periodic payment, all other charges payable by the lessee, and the total of all periodic payments necessary to obtain ownership.  (3) Every item displayed or offered under a rental-purchase agreement shall have clearly and conspicuously indicated in arabic numerals, so as to be readable and understandable by visual inspection, each of the following stamped upon or affixed to the item:  (a) The cash price of the item.  (b) The amount of a periodic payment.  (c) The total number of periodic payments required for ownership. History: 1984, Act 424, Eff. Mar. 29, 1985
MI Comp L § 445.956 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 424 of 1984 - Rental-Purchase Agreement Act (445.951 - 445.970)|Section 445.956 - Prohibited Provisions in Rental-Purchase Agreement.

445.956 Prohibited provisions in rental-purchase agreement. Sec. 6.  A rental-purchase agreement shall not contain a provision requiring any of the following:  (a) A garnishment of wages or a power of attorney to confess a judgment.  (b) Authorization to the lessor or a person acting on the lessor's behalf to unlawfully enter upon the lessee's premises or to commit any breach of the peace in the repossession of goods.  (c) The lessee to waive any defense, counterclaim, or right of action against the lessor or a person acting on the lessor's behalf, as the lessee's agent in collection of payments under the lease or in the repossession of goods.  (d) The lessee to agree not to assert against the lessor or against an assignee a claim or defense arising out of the lease.  (e) A requirement for any collection or repossession charges in excess of those allowable under section 7(e) and applicable court rules. History: 1984, Act 424, Eff. Mar. 29, 1985
MI Comp L § 445.957 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 424 of 1984 - Rental-Purchase Agreement Act (445.951 - 445.970)|Section 445.957 - Prohibited Requirements.

445.957 Prohibited requirements.Sec. 7.  A lessor shall not require any of the following:  (a) The purchase of insurance by the lessee from the lessor of a leased item.  (b) A payment that is in excess or in addition to a normal periodic payment and that is required in order to purchase a leased item at the conclusion of the periodic payments necessary to acquire ownership.  (c) A penalty for early termination of a rental-purchase agreement or for the return of an item at any point.  (d) A processing fee of any sort.  (e) A fee for in-home collection of a payment unless the lessee has expressly agreed to the fee and the amount of the fee is disclosed.  (f) A periodic payment or late fee for a rental period beginning after the lessee has returned or surrendered the leased property to the lessor or the lessor's agent.  (g) Any charge or fee for reinstatement of the rental-purchase agreement in addition to or in excess of those expressly permitted in section 8. History: 1984, Act 424, Eff. Mar. 29, 1985 ;-- Am. 2012, Act 584, Imd. Eff. Jan. 3, 2013
MI Comp L § 445.958 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 424 of 1984 - Rental-Purchase Agreement Act (445.951 - 445.970)|Section 445.958 - Failure to Make Timely Periodic Payment; Rights of Lessee; Reinstatement; Late or Delivery Fee; Same or Substitute Item Provided on Reinstatement.

445.958 Failure to make timely periodic payment; rights of lessee; reinstatement; late or delivery fee; same or substitute item provided on reinstatement.Sec. 8.  (1) A lessee who fails to make a timely periodic payment may reinstate the original rental-purchase agreement without losing any rights or options previously acquired under the rental-purchase agreement by paying the past due periodic payment, any applicable late fee, and, if redelivery of an item is necessary, a delivery fee not to exceed the original delivery fee, by the later of the following dates:  (a) 7 days after failing to make the timely periodic payment.  (b) 90 days after failing to make the timely periodic payment, if the lessee returns or voluntarily surrenders the item, other than through judicial process, within 7 days after failing to make the timely periodic payment.  (2) A lessee shall not be charged a late fee for failure to make a timely periodic payment unless the periodic payment is more than the following number of days past due:   (a) 5 days, if the periodic payment is due monthly or less frequently.  (b) 2 days, if the periodic payment is due more frequently than monthly.  (3) A late fee shall not exceed the greater of $10.00 or 5% of the amount of the missed payment.  (4) If reinstatement occurs pursuant to this section, the lessor shall provide the lessee with either the same item leased by the lessee prior to reinstatement or a substitute item of comparable quality and condition. If a substitute item is provided, the lessor shall provide the lessee with all of the information required in section 3. History: 1984, Act 424, Eff. Mar. 29, 1985 ;-- Am. 2012, Act 584, Imd. Eff. Jan. 3, 2013
MI Comp L § 445.960 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 424 of 1984 - Rental-Purchase Agreement Act (445.951 - 445.970)|Section 445.960 - Assurance of Discontinuance.

445.960 Assurance of discontinuance. Sec. 10.  (1) When the attorney general has authority to institute an action or proceeding pursuant to section 9, the attorney general may accept an assurance of discontinuance of a method, act, or practice which is alleged to be unlawful under this act from the person who is alleged to have engaged, be engaging, or be about to engage in the method, act, or practice. The assurance shall not constitute an admission of guilt nor be introduced in any other proceeding. The assurance may include a stipulation for any or all of the following:  (a) The voluntary payment by the person for 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 shall be in writing and may be filed with the circuit court of Ingham county. The clerk of the court shall maintain a record of the filings. 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: 1984, Act 424, Eff. Mar. 29, 1985
MI Comp L § 445.962 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 424 of 1984 - Rental-Purchase Agreement Act (445.951 - 445.970)|Section 445.962 - Compliance With Terms of Notice; Prohibited Conduct; Civil Penalty; Petition for Order to Enforce Compliance; Violation of Final Order as Civil Contempt; Enjoining Person From Doing Business in State.

445.962 Compliance with terms of notice; prohibited conduct; civil penalty; petition for order to enforce compliance; violation of final order as civil contempt; enjoining person from doing business in state. Sec. 12.  (1) A person upon whom a notice is served pursuant to section 11 shall comply with the terms of the notice unless otherwise provided by the order of the circuit court.  (2) A person who does any of the following shall be assessed a civil penalty of not more than $5,000.00:  (a) Knowingly without good cause fails to appear when served with a notice.  (b) Knowingly avoids, evades, or prevents compliance, in whole or in part, with an investigation, including the removal from any place, concealment, destruction, mutilation, alteration, or falsification of documentary material in the possession, custody, or control of a person subject to the notice.  (c) Knowingly conceals relevant information.  (3) The attorney general may file a petition in the circuit court of the county in which the person is established or conducts business or, if the person is not established in this state, in the circuit court of Ingham county for an order to enforce compliance with a subpoena or this section. A violation of a final order entered pursuant to this section shall be punished as civil contempt.  (4) Upon 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 pursuant to this act. History: 1984, Act 424, Eff. Mar. 29, 1985
MI Comp L § 445.963 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 424 of 1984 - Rental-Purchase Agreement Act (445.951 - 445.970)|Section 445.963 - Class Action for Actual Damages; Order; Appointment of Receiver; Sequestration of Assets; Cost of Notice; Effect of Bona Fide Error; Limitations.

445.963 Class action for actual damages; order; appointment of receiver; sequestration of assets; cost of notice; effect of bona fide error; limitations. Sec. 13.  (1) The attorney general may bring a class action on behalf of persons residing in or injured in this state for the actual damages caused by a method, act, or practice in trade or commerce which is prohibited by this act.  (2) On motion of the attorney general and without bond in an action under this section the court may make an appropriate order: to reimburse persons who have suffered damages; to carry out a transaction in accordance with the aggrieved persons' reasonable expectations; to strike or limit the application of unconscionable clauses of contracts to avoid an unconscionable result; or to grant other appropriate relief. The court after a hearing may appoint a receiver or order sequestration of the defendant's assets if it appears to the satisfaction of the court that the defendant threatens or is about to remove, conceal, or dispose of his or her assets to the detriment of members of the class.  (3) If at any stage of the proceedings the court requires that notice be sent to the class, the attorney general may petition the court to require the defendant to bear the cost of the notice. In determining whether to impose the cost on the defendant or the state, the court shall consider the probability that the attorney general will succeed on the merits of the action.  (4) If the defendant shows by a preponderance of the evidence that a violation of this act resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid the error, the amount of recovery shall be limited to actual damages.  (5) An action shall not be brought by the attorney general under this section more than 6 years after the occurrence of the method, act, or practice which is the subject of the action nor more than 1 year after the last payment in a transaction involving the method, act, or practice which is the subject of the action, whichever period of time ends on a later date. History: 1984, Act 424, Eff. Mar. 29, 1985
MI Comp L § 445.965 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 424 of 1984 - Rental-Purchase Agreement Act (445.951 - 445.970)|Section 445.965 - Mailing Copy of Complaint, Judgment, Decree, or Order to Attorney General.

445.965 Mailing copy of complaint, judgment, decree, or order to attorney general. Sec. 15.  (1) Upon commencement of an action brought pursuant to section 14 or 18, the clerk of the court shall mail a copy of the complaint to the attorney general, and upon entry of a judgment or decree in the action, the clerk of the court shall mail a copy of the judgment, decree, or order to the attorney general.  (2) In a subsequent action by the attorney general brought pursuant to section 13, proof of a violation of a permanent injunction issued pursuant to this act is conclusive evidence that the defendant engaged in a method, act, or practice which is unlawful under this act. History: 1984, Act 424, Eff. Mar. 29, 1985
MI Comp L § 445.966 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 424 of 1984 - Rental-Purchase Agreement Act (445.951 - 445.970)|Section 445.966 - Payment of Filing Fees.

445.966 Payment of filing fees. Sec. 16.  Payment of filing fees shall not be required in an action or filing for a voluntary assurance by the attorney general or prosecuting attorney pursuant to this act. History: 1984, Act 424, Eff. Mar. 29, 1985
MI Comp L § 445.967 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 424 of 1984 - Rental-Purchase Agreement Act (445.951 - 445.970)|Section 445.967 - Aid and Assistance of Law Enforcement Officer.

445.967 Aid and assistance of law enforcement officer. Sec. 17.  A law enforcement officer in the state, if requested by the attorney general or a prosecuting attorney, shall aid and assist in an investigation of an alleged or actual violation of this act. History: 1984, Act 424, Eff. Mar. 29, 1985
MI Comp L § 445.968 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 424 of 1984 - Rental-Purchase Agreement Act (445.951 - 445.970)|Section 445.968 - Investigation and Prosecution by Prosecuting Attorney.

445.968 Investigation and prosecution by prosecuting attorney. Sec. 18.  A prosecuting attorney may conduct an investigation pursuant to this act and may institute and prosecute an action under this act in the same manner as the attorney general. History: 1984, Act 424, Eff. Mar. 29, 1985
MI Comp L § 445.969 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 424 of 1984 - Rental-Purchase Agreement Act (445.951 - 445.970)|Section 445.969 - Other Causes of Action Not Affected; Inconsistent Ordinance or Regulation Prohibited.

445.969 Other causes of action not affected; inconsistent ordinance or regulation prohibited. Sec. 19.  This act shall not affect any other cause of action which is available. A city, village, township, or county shall not enact an ordinance or other regulation inconsistent with this act or with a rule promulgated pursuant to this act. History: 1984, Act 424, Eff. Mar. 29, 1985
MI Comp L § 445.991 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 169 of 1990 - Lease Contracts for Motor Vehicles (445.991 - 445.995)|Section 445.991 - Definitions.

445.991 Definitions. Sec. 1.  As used in this act:  (a) "Lease contract" means a contract for the lease of a motor vehicle by a natural person for a term exceeding 30 days.  (b) "Lessee" means a natural person who leases a motor vehicle under a lease contract.  (c) "Lessor" means a natural person, partnership, corporation, association, or other legal entity that is engaged in the business of leasing, offering to lease, or arranging the lease of a motor vehicle under a lease contract.  (d) "Motor vehicle" means a vehicle, including passenger vans and minivans, that is self-propelled, that is capable of being operated on a highway or street in this state, and that is primarily intended for the transport of persons. History: 1990, Act 169, Eff. Jan. 1, 1991
MI Comp L § 445.992 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 169 of 1990 - Lease Contracts for Motor Vehicles (445.991 - 445.995)|Section 445.992 - Lease Contract for Motor Vehicle; Statement Required; Signature or Initials of Lessee.

445.992 Lease contract for motor vehicle; statement required; signature or initials of lessee. Sec. 2.  (1) A lease contract for a motor vehicle shall have a statement in a separate paragraph in the lease contract or on a separate sheet of paper attached to the lease contract advising the lessee that the early termination payoff balance of the motor vehicle as determined by the lessor may be different than the actual cash value of the motor vehicle as determined by the insurer of the vehicle.  (2) If under the terms of the contract the lessee is required to pay to the lessor the difference between the early termination payoff balance as determined by the lessor and the actual cash value as determined by the insurer, a statement explaining this fact shall be included in the lease contract immediately after the statement required by subsection (1). A space for the signature or initials of the lessee shall appear adjacent to the statement and the lessee shall place his or her signature or initials in that space indicating that he or she has read this statement and understands its content. History: 1990, Act 169, Eff. Jan. 1, 1991
MI Comp L § 445.993 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 169 of 1990 - Lease Contracts for Motor Vehicles (445.991 - 445.995)|Section 445.993 - Failure of Lessor to Provide Notice or Obtain Lessee's Signature or Initials; Civil Action; Damages; Attorney's Fees; Limitation.

445.993 Failure of lessor to provide notice or obtain lessee's signature or initials; civil action; damages; attorney's fees; limitation. Sec. 3.  (1) If a lessor fails to provide the notice required by this act or fails to obtain the lessee's signature or initials in the space provided and the lessor has invoked the terms of the contract requiring the lessee to pay to the lessor the difference between the early termination payoff balance as determined by the lessor and the actual cash value as determined by the insurer, then the lessor is subject to a civil action brought by the lessee.  (2) If the lessee is successful in the civil action, then the lessee may recover actual damages or $250.00, whichever is greater, together with reasonable attorney's fees.  (3) For purposes of this section, actual damages may not exceed the difference between the early termination payoff balance as determined by the lessor and the actual cash value as determined by the insurer. History: 1990, Act 169, Eff. Jan. 1, 1991
MI Comp L § 445.994 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 169 of 1990 - Lease Contracts for Motor Vehicles (445.991 - 445.995)|Section 445.994 - Refusal to Sign Lease Contract.

445.994 Refusal to sign lease contract. Sec. 4.  If a lessee does not agree to sign a lease contract in the space provided adjacent to the notice required by this act, the lessor may refuse to lease a motor vehicle to the lessee. History: 1990, Act 169, Eff. Jan. 1, 1991
MI Comp L § 445.995 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 169 of 1990 - Lease Contracts for Motor Vehicles (445.991 - 445.995)|Section 445.995 - Effective Date.

445.995 Effective date. Sec. 5.  This act shall take effect January 1, 1991. History: 1990, Act 169, Eff. Jan. 1, 1991
MI Comp L § 445.1011 (2021)
2021 Michigan Compiled Laws|Chapter 445 - Trade and Commerce|Act 144 of 2008 - Military Personnel Motor Vehicle Leasing Act (445.1011 - 445.1016)|Section 445.1011 - Short Title.

445.1011 Short title.Sec. 1.  This act shall be known and may be cited as the "military personnel motor vehicle leasing act". History: 2008, Act 144, Imd. Eff. May 28, 2008