reglab/housing_qa huggingface dataset:
NH Rev Stat § 397-A:16 (2021)
2021 New Hampshire Revised Statutes|Title XXXV - Banks and Banking; Loan Associations; Credit Unions|Title 397-A - Licensing of Nondepository Mortgage Bankers, Brokers, and Servicers|Section 397-A:16 - Lender's Rights and Broker's Rights.

    397-A:16 Lender's Rights and Broker's Rights. –||I. Mortgage bankers, mortgage brokers, or mortgage servicers may charge fees and points for services rendered in conjunction with the origination, closing, and servicing of loans. If any fee is collected in advance of the closing of the loan, the mortgage banker or mortgage broker shall provide the borrower with a written explanation of the purpose and disposition of the fee. A mortgage banker or mortgage broker may charge an application fee which may include the direct costs incurred by the mortgage banker or mortgage broker for processing an application, and for a real estate appraisal, a credit bureau report, or income verification, or other third party services.||II. Persons subject to provisions of this chapter shall comply with the provisions of RSA 479, relative to foreclosure.||III. Pursuant to RSA 397-A:3, only mortgage brokers, mortgage bankers, mortgage originators, and mortgage servicers licensed under the provisions of this chapter shall be entitled to compensation for services rendered.||IV. In order to issue rate lock commitments, a licensee shall comply with rules adopted by the commissioner.|||Source. 2016, 289:1, eff. Aug. 20, 2016.|
NH Rev Stat § 397-A:19 (2021)
2021 New Hampshire Revised Statutes|Title XXXV - Banks and Banking; Loan Associations; Credit Unions|Title 397-A - Licensing of Nondepository Mortgage Bankers, Brokers, and Servicers|Section 397-A:19 - Cease and Desist.

    397-A:19 Cease and Desist. –||I. The commissioner may issue a cease and desist order against any licensee or person who it has reasonable cause to believe is in violation of the provisions of this chapter or any rule or order under this chapter. The order shall give notice of the facts or conduct constituting the basis for the order and shall give notice of the opportunity for a hearing. Delivery of such order shall be by hand or certified mail at the last known address of the principal office of the licensee or other person.||II. A hearing shall be held not later than 10 days after the request for such hearing is received by the commissioner. Within 20 calendar days of submission of the evidence into the record, the commissioner shall issue a further order vacating the cease and desist order or making it permanent as the facts require. All hearings shall comply with RSA 541-A.||III. If the person to whom a cease and desist order is issued fails to request a hearing within 30 calendar days of receipt of such order, then such person shall be deemed in default, and the order shall, on the thirty-first day, become permanent, and shall remain in full force and effect until and unless later modified or vacated by the commissioner, for good cause shown.||IV. If the person to whom a cease and desist order is issued fails to appear at the hearing after being duly notified, such person shall be deemed in default, and the proceeding may be determined against him or her upon consideration of the cease and desist order, the allegations of which may be deemed to be true.||V. Upon an affirmative finding of violation, the commissioner may, in addition to ordering a person to cease and desist the conduct at issue, assess penalties as provided in RSA 397-A:20.|||Source. 2016, 289:1, eff. Aug. 20, 2016.|
NH Rev Stat § 397-A:21 (2021)
2021 New Hampshire Revised Statutes|Title XXXV - Banks and Banking; Loan Associations; Credit Unions|Title 397-A - Licensing of Nondepository Mortgage Bankers, Brokers, and Servicers|Section 397-A:21 - Receivership; Liquidation.

    397-A:21 Receivership;  Liquidation. –||The provisions of RSA 395 shall apply to all entities licensed under this chapter insofar as such provisions are applicable.|||Source. 2016, 289:1, eff. Aug. 20, 2016.|
NH Rev Stat § 397-A:22 (2021)
2021 New Hampshire Revised Statutes|Title XXXV - Banks and Banking; Loan Associations; Credit Unions|Title 397-A - Licensing of Nondepository Mortgage Bankers, Brokers, and Servicers|Section 397-A:22 - Administration by Commissioner; Rulemaking.

    397-A:22 Administration by Commissioner;  Rulemaking. –||I. The commissioner shall administer and enforce the provisions of this chapter.||II. Pursuant to RSA 541-A, the commissioner may adopt such rules as he or she deems necessary to the administration and enforcement of this chapter. Such rules shall be consistent with the provisions of this chapter, and may include, but shall not be limited to, the following:||(a) The application form for licensees required under RSA 397-A:5.||(b) The form of license issued to licensees under RSA 397-A:6.||(c) Reports required by RSA 397-A:13.||(d) Personal disclosure statements to meet the requirements of RSA 397-A:5.||(e) Fees to be charged to cover the reasonable costs of copying documents and producing reports.||III. The commissioner may prepare, alter, or withdraw such forms as are necessary to comply with the provisions of this title.||IV. The commissioner may issue, amend, or rescind such orders as are reasonably necessary to carry out the provisions of this chapter.||V. The commissioner may, for good cause shown, abate all or a portion of fees or delinquency penalties assessed under this chapter.||VI. All actions taken by the commissioner pursuant to this chapter shall be taken only when the commissioner finds such action necessary or appropriate to the public interest or for the protection of consumers and consistent with the purposes fairly intended by the policy and provisions of this title.||VII. In adopting rules, preparing forms, setting standards, and in performing examinations, investigations, and other regulatory functions authorized by the provisions of this chapter, the commissioner may cooperate, and share information pursuant to confidentiality agreements, with regulators in this state and with regulators in other states and with federal regulators in order to implement the policy of this chapter in an efficient and effective manner and to achieve maximum uniformity in the form and content of applications, reports, and requirements for mortgage bankers, mortgage brokers, and mortgage servicers, where practicable.||VIII. The commissioner may share information with state and federal law enforcement agencies for the purposes of criminal investigations.|||Source. 2016, 289:1, eff. Aug. 20, 2016.|
NH Rev Stat § 397-A:23 (2021)
2021 New Hampshire Revised Statutes|Title XXXV - Banks and Banking; Loan Associations; Credit Unions|Title 397-A - Licensing of Nondepository Mortgage Bankers, Brokers, and Servicers|Section 397-A:23 - Severability.

    397-A:23 Severability. –||If any provision of this chapter or the application thereof to any person or circumstance is held invalid, the remainder of the chapter or the application of the provision to other persons or circumstances is not affected and to this end the provisions of this chapter are severable.|||Source. 2016, 289:1, eff. Aug. 20, 2016.|
NH Rev Stat § 398:1 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 398 - Pawnbrokers|Section 398:1 - Tickets.

    398:1 Tickets. –||If any person shall engage in business as a pawnbroker he shall, for any article or thing of value received in pawn or otherwise for the security of any loan, transfer, service, undertaking or advantage, give to the pledgor, or person for whom or for whose benefit the transaction is made or done, a ticket or coupon stating the name and address of such pawnbroker, the property, security or thing received in pawn and the amount loaned thereupon.|||Source. 1907, 26:1. PL 172:1. RL 209:1.|
NH Rev Stat § 398:2 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 398 - Pawnbrokers|Section 398:2 - Prohibited Pledges.

    398:2 Prohibited Pledges. –||No person shall receive in pawn, whether as security for any loan, transfer, service, undertaking, or advantage:||I. Anything of value from any minor or person in a visible state of intoxication from liquors or otherwise;||II. In excess of 4 motor vehicles or titles to motor vehicles, as defined in RSA 361-A:1, VII;||III. Any title or deed to real property, including mobile homes, condominiums and rights to interval ownership;||IV. Any mortgage or any promissory note, including the pledge or assignment of any right to receive payments, rents, or revenue arising from such note;||V. Any article of clothing removed from the person at the place of business of the pawnbroker.|||Source. 1907, 26:2. 1909, 58:1. RL 209:2. RSA 398:2. 1997, 193:1. 2005, 255:86, eff. Sept. 12, 2005.|
NH Rev Stat § 398:3 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 398 - Pawnbrokers|Section 398:3 - Penalty.

    398:3 Penalty. –||Whoever violates any provision of this subdivision shall be guilty of a misdemeanor.|||Source. 1907, 26:3. PL 172:3. RL 209:3. RSA 398:3. 1973, 528:270, eff. Oct. 31, 1973 at 11:59 p.m.|
NH Rev Stat § 398:4 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 398 - Pawnbrokers|Section 398:4 - Where in Force.

    398:4 Where in Force. –||This subdivision shall be in force in all cities having a population of more than 40,000, and in such other cities and towns as shall adopt its provisions.|||Source. 1909, 129:9. PL 172:14. RL 209:14.|
NH Rev Stat § 398:5 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 398 - Pawnbrokers|Section 398:5 - Licenses.

    398:5 Licenses. –||The governing body of any town, city, or unincorporated place may license suitable persons to carry on the business of pawnbrokers in said city, town, or place for one year, and may revoke such licenses, in their discretion, after a hearing on charges preferred.|||Source. 1909, 129:1. PL 172:4. RL 209:4. 2008, 287:7, eff. June 27, 2008.|
NH Rev Stat § 398:6 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 398 - Pawnbrokers|Section 398:6 - Fees.

    398:6 Fees. –||The fee for such license or renewal thereof shall be fixed by the board which issues the license, and shall be paid to the city or town in which the license is to be in force. No person in any city or town shall be required to pay a larger fee for said license than is required from any other person in the same city or town for a similar license.|||Source. 1909, 129:8. PL 172:5. RL 209:5.|
NH Rev Stat § 398:7 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 398 - Pawnbrokers|Section 398:7 - Other Provisions Relating to Regulations.

    398:7 Other Provisions Relating to Regulations. –||The board which grants licenses may from time to time establish regulations relative to the business carried on by pawnbrokers.|||Source. 1909, 129:1. PL 172:6. RL 209:6.|
NH Rev Stat § 398:8 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 398 - Pawnbrokers|Section 398:8 - Retention of Pledged Articles.

    398:8 Retention of Pledged Articles. –||Articles deposited in pawn with a licensed pawnbroker shall, unless redeemed, be retained by him, on the premises occupied by him for his business, for at least 4 months after the date of deposit, if not of a perishable nature; and, if of a perishable nature, for at least one month after said date. Articles of personal apparel shall not be deemed to be of a perishable nature.|||Source. 1909, 129:2. PL 172:7. RL 209:7.|
NH Rev Stat § 398:9 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 398 - Pawnbrokers|Section 398:9 - Sale of Pledged Articles.

    398:9 Sale of Pledged Articles. –||After the expiration of said time he may sell the same by public auction, upon the same conditions as to notice of sale, and application of proceeds of the sale, as are contained in RSA 444:1-5.|||Source. 1909, 129:2. PL 172:8. RL 209:8.|
NH Rev Stat § 398:10 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 398 - Pawnbrokers|Section 398:10 - Waiver of Notice and Sale at Public Auction.

    398:10 Waiver of Notice and Sale at Public Auction. –||If less than $25 has been loaned on any article so taken in pawn the requirement of notice, and of sale by public auction, may be waived by agreement of the parties, made in writing. In other cases the requirement cannot be waived.|||Source. 1909, 129:2. PL 172:9. RL 209:9.|
NH Rev Stat § 398:11 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 398 - Pawnbrokers|Section 398:11 - Interest.

    398:11 Interest. –||The licensing board may fix the rate of interest which such pawnbrokers may receive on loans, and may fix different rates which may be received for different amounts of money lent; and no licensed pawnbroker shall charge or receive a greater rate of interest than that so fixed. The rates of interest so established shall be printed on the loan ticket issued by the pawnbroker.|||Source. 1909, 129:3. PL 172:10. RL 209:10.|
NH Rev Stat § 398:12 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 398 - Pawnbrokers|Section 398:12 - Records.

    398:12 Records. –||Every such pawnbroker shall keep a book in which, at the time of making a loan, shall be legibly written in the English language an account and description of the goods, articles or things pawned or pledged, the amount of money loaned thereon, the time of pledging them, the rate of interest to be paid on such loan and the name and residence of the pledgor, verified by photo identification issued by a governmental agency.|||Source. 1909, 129:4. PL 172:11. RL 209:11. 2008, 287:8, eff. June 27, 2008.|
NH Rev Stat § 398:13 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 398 - Pawnbrokers|Section 398:13 - Inspections.

    398:13 Inspections. –||Any officer, having jurisdiction may enter upon any premises used by a licensed pawnbroker for the purposes of business, ascertain how the pawnbroker conducts his or her business and examine all articles taken in pawn or kept or stored in or upon said premises and all books and inventories relating thereto. Every such pawnbroker, his or her clerk, agent, servant, or other person in charge of the premises shall exhibit to such officer on demand any or all of such articles, books, and inventories.|||Source. 1909, 129:5. PL 172:12. RL 209:12. 2008, 287:9, eff. June 27, 2008.|
NH Rev Stat § 398:14 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 398 - Pawnbrokers|Section 398:14 - Penalty.

    398:14 Penalty. –||Whoever, not being licensed, carries on such business or is concerned therein within such city or town; or, being licensed, carries on such business or is concerned therein in any other place or manner than that designated in his license or after notice to him that his license has been revoked; or who wilfully hinders, obstructs or prevents any officer from entering the premises or from making the examination authorized in RSA 398:13; or who otherwise violates any provision of this subdivision, shall be guilty of a misdemeanor.|||Source. 1909, 129:6, 7. PL 172:13. RL 209:13. RSA 398:14. 1973, 528:271, eff. Oct. 31, 1973 at 11:59 p.m.|
NH Rev Stat § 399-A:2 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-A - Regulation of Small Loans, Title Loans, and Payday Loans|Section 399-A:2 - License Required.

    399-A:2 License Required. –||I. No person shall engage in the business of a small loan lender in this state or with consumers located in this state without first obtaining a license from the commissioner as provided in this chapter.||II. Each such license shall terminate on December 31 of each year. Each license shall remain in full force and effect until surrendered, revoked, suspended, or terminated.||III. The provisions of this chapter shall apply to any person who seeks to evade its application by any device, subterfuge, or pretense, including, without limitation:||(a) Calling a loan by any other name;||(b) Using any agents, affiliates, or subsidiaries in an attempt to avoid the application of the provisions of this chapter; or||(c) Having any affiliation or other business arrangement with an entity that is exempt from the provisions of this chapter, the effect of which is to evade the provisions of this chapter, including, without limitation, making a loan, while purporting to be the agent of such an exempt entity where the purported agent holds, acquires, or maintains a preponderant economic interest in the revenues generated by the loan.||IV. The fact that a person is licensed or registered in the state of New Hampshire under this chapter shall not constitute a finding that the commissioner has passed in any way upon the merits or qualifications of such person or that the commissioner has recommended or given approval to any person. No person shall make, or cause to be made, to any prospective purchaser, customer, or client any representation inconsistent with the provisions of this paragraph.|||Source. 2015, 73:1, eff. Jan. 1, 2016.|
NH Rev Stat § 399-A:3 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-A - Regulation of Small Loans, Title Loans, and Payday Loans|Section 399-A:3 - Exemptions.

    399-A:3 Exemptions. –||This chapter shall not apply to:||I. Any person lawfully engaged in business as permitted by the laws of this state, the laws of any other state, or federal law relative to banks, trust companies, insurance companies, savings or building and loan associations, or credit unions, or to loans made by them.||II. Any person engaged solely in the business of making loans for educational purposes or to the loans made by such persons.||III. Any other person not within the intent of this chapter as the commissioner may designate by rule or order.|||Source. 2015, 73:1, eff. Jan. 1, 2016. 2017, 103:6, eff. Aug. 7, 2017.|
NH Rev Stat § 399-A:5 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-A - Regulation of Small Loans, Title Loans, and Payday Loans|Section 399-A:5 - License Grant and Renewal.

    399-A:5 License Grant and Renewal. –||I. Upon the filing of the complete application, payment of the required application fee, and completion of a pre-licensing investigation by the department, the commissioner shall issue a license to the applicant and to the applicant's branches to engage in the business of a small loan lender if the commissioner determines that:||(a) The applicant's financial resources and responsibility, experience, character and general fitness, personnel, and record of past or proposed conduct warrant the public's confidence; and that||(b) The business will be operated lawfully, honestly, and fairly within the provisions of this chapter.||II. A licensee may renew its license by paying the required annual fee of $450 for the principal license and $450 for each branch office license to the banking department on or before December 31 for the ensuing year that begins on January 1 if the licensee:||(a) Holds a valid license under this section; and||(b) Is in compliance with this chapter and the rules adopted pursuant to this chapter.||III. Failure to renew the license shall result in the license terminating on December 31.||IV. No license shall be issued to any person whose principal place of business is located outside of this state unless that person designates an agent residing within this state for service of process.|||Source. 2015, 73:1, eff. Jan. 1, 2016.|
NH Rev Stat § 399-A:6 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-A - Regulation of Small Loans, Title Loans, and Payday Loans|Section 399-A:6 - License Denial; Abandonment.

    399-A:6 License Denial;  Abandonment. –||I. If the commissioner determines that an applicant fails to meet the requirements of this chapter, the commissioner shall notify the applicant of that determination in writing immediately.||II. The commissioner may deny a license application if it is in the public interest and the applicant or the applicant's principal:||(a) Has filed an application for licensing which was incomplete in any material respect;||(b) Is the subject of an order entered within the past 5 years by this state, any other state, or federal regulator denying, suspending, or revoking a license or registration;||(c) Is permanently, preliminarily, or temporarily enjoined by any court of competent jurisdiction from engaging in or continuing any conduct or practice involving any aspect of lending or collection activities;||(d) Is not qualified on the basis of such factors as experience, knowledge, and financial integrity; or||(e) Should not be licensed for other good cause shown.||III. Applicants may appeal a license denial in accordance with RSA 541-A and rules of the commissioner.||IV. Applicants may petition the banking department for a rehearing in accordance with RSA 541 if the decision in an appeal conducted pursuant to paragraph II affirms a denial of a license application.||V. The commissioner may deem abandoned and withdraw any application for licensure made pursuant to this chapter if the applicant fails to respond in writing within 180 calendar days to a written request from the commissioner requesting a response. Such request shall be sent via certified mail to the last known address of the applicant that is on file with the commissioner.|||Source. 2015, 73:1, eff. Jan. 1, 2016.|
NH Rev Stat § 399-A:7 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-A - Regulation of Small Loans, Title Loans, and Payday Loans|Section 399-A:7 - License Posting.

    399-A:7 License Posting. –||No licensee shall engage in the business of a small loan lender without a conspicuously posted license in the licensee's principal place of business within this state and in each of the licensee's licensed branch offices.|||Source. 2015, 73:1, eff. Jan. 1, 2016.|
NH Rev Stat § 399-A:8 (2021)
2021 New Hampshire Revised Statutes|Title XXXVI - Pawnbrokers and Moneylenders|Title 399-A - Regulation of Small Loans, Title Loans, and Payday Loans|Section 399-A:8 - License Surrender.

    399-A:8 License Surrender. –||I. A licensee who ceases to engage in the business of a lender at any time for any cause shall surrender such license and file an annual report pursuant to RSA 399-A:10 within 15 calendar days of such cessation.||II. Surrender of a license shall not take effect until the commissioner deems the surrender process complete.||III. Failure to comply with the provisions of this section and rules adopted under this section shall be cause for denial of future license applications and the imposition of penalties under RSA 399-A:23.|||Source. 2015, 73:1, eff. Jan. 1, 2016.|