reglab/housing_qa huggingface dataset:
IN Code § 24-5-22-4 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 22. Deceptive Commercial Electronic Mail|24-5-22-4. "Initiate the Transmission"

Sec. 4. (a) As used in this chapter, "initiate the transmission" refers to the action by the original sender of an electronic mail message.(b) The term does not include an action by any intervening interactive computer service that handles or retransmits the message.As added by P.L.36-2003, SEC.1.
IN Code § 24-5-22-5 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 22. Deceptive Commercial Electronic Mail|24-5-22-5. "Interactive Computer Service"

Sec. 5. (a) As used in this chapter, "interactive computer service" means an information service, a system, or an access software provider that provides or enables computer access to a computer server by multiple users.(b) The term includes the following:(1) A service or system that provides access to the Internet.(2) A system operated or services offered by a library, a school, a state educational institution, or a private postsecondary educational institution.As added by P.L.36-2003, SEC.1. Amended by P.L.2-2007, SEC.317.
IN Code § 24-5-22-6 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 22. Deceptive Commercial Electronic Mail|24-5-22-6. "Internet Domain Name"

Sec. 6. As used in this chapter, "Internet domain name" refers to a globally unique, hierarchical reference to an Internet host or service, assigned through centralized Internet naming authorities, comprising a series of character strings separated by periods, with the right most string specifying the top of the hierarchy.As added by P.L.36-2003, SEC.1.
IN Code § 24-5-22-7 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 22. Deceptive Commercial Electronic Mail|24-5-22-7. Indiana Recipient of Commercial Electronic Mail Message; Transmission of Commercial Electronic Mail Message; Application

Sec. 7. (a) For purposes of this section, a person knows that the intended recipient of a commercial electronic mail message is an Indiana resident if that information is available, upon request, from the registrant of the Internet domain name contained in the recipient's electronic mail address.(b) Subsection (c) applies only to a commercial electronic mail message that:(1) uses a third party's Internet domain name without permission of the third party;(2) otherwise misrepresents or obscures any information in identifying the point of origin or the transmission path of the commercial electronic mail message; or(3) contains false or misleading information in the subject line.(c) A person may not initiate or assist the transmission of a commercial electronic mail message described in subsection (b):(1) from a computer located in Indiana; or(2) to an electronic mail address that the sender:(A) knows; or(B) has reason to know;is held by a resident of Indiana.As added by P.L.36-2003, SEC.1. Amended by P.L.97-2004, SEC.91.
IN Code § 24-5-22-8 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 22. Deceptive Commercial Electronic Mail|24-5-22-8. Commercial Electronic Mail; Prohibited Practices

Sec. 8. A person may not do any of the following:(1) Send unsolicited commercial electronic mail and fail to use "ADV:" as the initial four (4) characters in the subject line of the electronic mail. This subdivision does not apply if any of the following apply:(A) The sender of the electronic mail has a current business relationship with the recipient of the electronic mail.(B) The sender of the electronic mail is an organization using the electronic mail to communicate with its members.(C) The sender of the electronic mail is an organization using the electronic mail to communicate exclusively with the organization's employees or contractors, or both.(2) Send unsolicited commercial electronic mail and fail to use "ADV:ADLT" as the first eight (8) characters in the subject line of the electronic mail if the unsolicited commercial electronic mail is any of the following:(A) The unsolicited commercial electronic mail contains a solicitation for the sale or lease of services or tangible or intangible personal or real property that may not be purchased, leased, or possessed by a minor under Indiana law.(B) The unsolicited commercial electronic mail contains a solicitation for an extension of credit.(C) The unsolicited commercial electronic mail contains matter that is harmful to minors under Indiana law.(3) Send unsolicited commercial electronic mail and fail to provide a means for the recipient easily and at no cost to the recipient to remove the recipient's name from the sender's electronic mail address lists.(4) Send unsolicited commercial electronic mail to a recipient who has asked the sender to remove the recipient's electronic mail address from the sender's electronic mail address lists.(5) Provide to a third person the electronic mail address of a recipient who has asked the sender to remove the recipient's electronic mail address from the sender's electronic mail address lists. This subdivision applies to a third person who is a part of the sender's business organization. This subdivision does not prohibit providing a recipient's electronic mail address to a third person for the sole purpose of inclusion of the electronic mail address on a do-not-mail list.As added by P.L.36-2003, SEC.1.
IN Code § 24-5-22-9 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 22. Deceptive Commercial Electronic Mail|24-5-22-9. Interactive Computer Services; Blocking Transmission of Commercial Electronic Mail; Liability

Sec. 9. (a) An interactive computer service may, upon its own initiative, block the receipt or transmission through its service of any commercial electronic mail message that it reasonably believes is or will be sent in violation of this chapter.(b) An interactive computer service is not liable for any action voluntarily taken in good faith to block the receipt or transmission through its service of any commercial electronic mail message that it reasonably believes is or will be sent in violation of this chapter.As added by P.L.36-2003, SEC.1.
IN Code § 24-5-22-10 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 22. Deceptive Commercial Electronic Mail|24-5-22-10. Right of Action; Exclusions; Defenses; Remedies; Jurisdiction

Sec. 10. (a) The following have a right of action against a person who initiates or assists the transmission of a commercial electronic mail message that violates this chapter:(1) A person who receives the commercial electronic mail message.(2) An interactive computer service that handles or retransmits the commercial electronic mail message.(b) This chapter does not provide a right of action against:(1) an interactive computer service; or(2) a communications service provider (as defined in IC 8-1-2.6-13);whose equipment is used to transport, handle, or retransmit a commercial electronic mail message that violates this chapter.(c) It is a defense to an action under this section if the defendant shows by a preponderance of the evidence that the violation of this chapter resulted from a good faith error and occurred notwithstanding the maintenance of procedures reasonably adopted to avoid violations of this chapter.(d) If the plaintiff prevails in an action filed under this section, the plaintiff is entitled to the following:(1) An injunction to enjoin future violations of this chapter.(2) Compensatory damages equal to any actual damage proven by the plaintiff to have resulted from the initiation of the commercial electronic mail message. If the plaintiff does not prove actual damage, the plaintiff is entitled to presumptive damages of five hundred dollars ($500) for each commercial electronic mail message that violates this chapter and that is sent by the defendant:(A) to the plaintiff; or(B) through the plaintiff's interactive computer service.(3) The plaintiff's reasonable attorney's fees and other litigation costs reasonably incurred in connection with the action.(e) A person outside Indiana who:(1) initiates or assists the transmission of a commercial electronic mail message that violates this chapter; and(2) knows or should know that the commercial electronic mail message will be received in Indiana;submits to the jurisdiction of Indiana courts for purposes of this chapter.As added by P.L.36-2003, SEC.1. Amended by P.L.132-2012, SEC.6.
IN Code § 24-5-23-1 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 23. Marketing by Mortgage Lenders|24-5-23-1. "Mortgage Lender"

Sec. 1. As used in this chapter, "mortgage lender" means the original lender under a mortgage and the original lender's successors and assigns, including insurance companies, trust companies, banks, investment companies, savings banks, savings associations, credit unions, executors, trustees, and other fiduciaries, or any other mortgagee authorized to do business in this state.As added by P.L.10-2006, SEC.22 and P.L.57-2006, SEC.22.
IN Code § 24-5-23-2 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 23. Marketing by Mortgage Lenders|24-5-23-2. Marketing Materials and Solicitations; Use of Name of Existing Mortgage Lender Prohibited; Permissible Uses and References; Remedies

Sec. 2. (a) Except as provided in subsection (b), a person, firm, limited liability company, or corporation may not use the name of an existing mortgage lender or a name confusingly similar to that of an existing mortgage lender when marketing to or soliciting business from a customer or prospective customer if the reference to the existing mortgage lender is:(1) without the consent of the existing mortgage lender; and(2) made in a manner that could cause a reasonable person to believe that the marketing material or solicitation:(A) originated from;(B) is endorsed by; or(C) is in any other way the responsibility of;the existing mortgage lender.(b) This section does not prohibit the use of or reference to the name of an existing mortgage lender in marketing materials or solicitations if the use or reference does not deceive or confuse a reasonable person regarding whether the marketing material or solicitation:(1) originated from;(2) is endorsed by; or(3) is in any other way the responsibility of;the existing mortgage lender.(c) A mortgage lender whose name is used in violation of this section may bring an action to recover the greater of:(1) two (2) times the amount of actual damages incurred by the mortgage lender as a result of the violation; or(2) one thousand dollars ($1,000) plus attorney's fees.(d) A mortgage lender that is a bank or a bank holding company is entitled to any relief available under both:(1) subsection (c); and(2) IC 28-1-20-4(m);with respect to the same violation.As added by P.L.10-2006, SEC.22 and P.L.57-2006, SEC.22.
IN Code § 24-5-23.5-1 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 23.5. Real Estate Appraisals|24-5-23.5-1. "Appraisal"

Sec. 1. (a) As used in this chapter, "appraisal" means an estimation that:(1) represents the final opinion of the value of real property that is the subject of a real estate transaction; and(2) serves as the basis for the extension of credit, in the case of a real estate transaction involving the making, refinancing, or consolidation of a mortgage loan.(b) The term may include any of the following:(1) The results of an automated valuation model.(2) A broker's price opinion.(3) A desktop evaluation.As added by P.L.52-2009, SEC.2.
IN Code § 24-5-23.5-2 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 23.5. Real Estate Appraisals|24-5-23.5-2. "Appraisal Company"

Sec. 2. As used in this chapter, "appraisal company" means a sole proprietorship, firm, corporation, partnership, limited liability company, limited liability partnership, joint venture, trust, or other business unit or association that:(1) performs appraisals on a regular basis for compensation through one (1) or more owners, officers, employees, or agents; or(2) holds itself out to the public as performing appraisals.As added by P.L.52-2009, SEC.2.
IN Code § 24-5-23.5-3 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 23.5. Real Estate Appraisals|24-5-23.5-3. "Creditor"

Sec. 3. (a) As used in this chapter, "creditor" means a person:(1) that regularly engages in Indiana in the extension of mortgage loans that are subject to a credit service charge or loan finance charge, as applicable, or are payable by written agreement in more than four (4) installments (not including a down payment); and(2) to whom the obligation arising from a mortgage loan is initially payable, either on the face of the note or contract, or by agreement if there is not a note or contract.(b) The term does not include a person described in:(1) IC 24-9-2-6(a)(2) if the person described in IC 24-9-2-6(a)(2) is not the person extending the credit in the transaction; or(2) IC 24-9-2-6(b).As added by P.L.52-2009, SEC.2.
IN Code § 24-5-23.5-3.7 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 23.5. Real Estate Appraisals|24-5-23.5-3.7. "Land Contract"

Sec. 3.7. As used in this chapter, "land contract" means a contract for the sale of real estate in which the seller of the real estate retains legal title to the real estate until the total contract price is paid by the buyer.As added by P.L.89-2011, SEC.20.
IN Code § 24-5-23.5-4 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 23.5. Real Estate Appraisals|24-5-23.5-4. "Mortgage Loan"

Sec. 4. (a) As used in this chapter, "mortgage loan" means a loan in which a mortgage (or another equivalent consensual security interest) that constitutes a lien is created or retained against an interest in real property in Indiana.(b) The term includes the following:(1) A home loan subject to IC 24-9.(2) A loan described in IC 24-9-1-1, to the extent allowed under federal law.(3) A first lien mortgage transaction (as defined in IC 24-4.4-1-301) subject to IC 24-4.4.(4) A consumer credit sale subject to IC 24-4.5-2 in which a mortgage (or another equivalent consensual security interest) that constitutes a lien is created or retained against an interest in real property in Indiana.(5) A consumer loan subject to IC 24-4.5-3 in which a mortgage (or another equivalent consensual security interest) that constitutes a lien is created or retained against an interest in real property in Indiana.(6) A loan in which a mortgage (or another equivalent consensual security interest) that constitutes a lien is created or retained against land:(A) that is located in Indiana;(B) upon which there is a dwelling that is not or will not be used by the borrower primarily for personal, family, or household purposes; and(C) that is classified as residential for property tax purposes.The term includes a loan that is secured by land in Indiana upon which there is a dwelling that is purchased by or through the borrower for investment or other business purposes.(c) The term does not include a land contract.As added by P.L.52-2009, SEC.2. Amended by P.L.35-2010, SEC.88; P.L.89-2011, SEC.21; P.L.13-2013, SEC.66.
IN Code § 24-5-23.5-5 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 23.5. Real Estate Appraisals|24-5-23.5-5. "Real Estate Appraiser"

Sec. 5. As used in this chapter, "real estate appraiser" means a person who prepares the appraisal for a real estate transaction in Indiana, regardless of whether the person is licensed or certified, or required to be licensed or certified, under the real estate appraiser licensure and certification program established under IC 25-34.1-3-8.As added by P.L.52-2009, SEC.2.
IN Code § 24-5-23.5-6 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 23.5. Real Estate Appraisals|24-5-23.5-6. "Real Estate Transaction"

Sec. 6. As used in this chapter, "real estate transaction" means a transaction that involves one (1) or both of the following:(1) The sale or lease of any legal or equitable interest in real estate located in Indiana.(2) The making, refinancing, or consolidation of a mortgage loan.As added by P.L.52-2009, SEC.2.
IN Code § 24-5-23.5-7 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 23.5. Real Estate Appraisals|24-5-23.5-7. Prohibition Against Corrupting or Improperly Influencing a Real Estate Appraiser or an Appraisal

Sec. 7. A person shall not corrupt or improperly influence, or attempt to corrupt or improperly influence:(1) the independent judgment of a real estate appraiser with respect to the value of the real estate that is the subject of a real estate transaction; or(2) the development, reporting, result, or review of an appraisal prepared in connection with a real estate transaction;through bribery, coercion, extortion, intimidation, collusion, or any other manner.As added by P.L.52-2009, SEC.2.
IN Code § 24-5-23.5-9 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 23.5. Real Estate Appraisals|24-5-23.5-9. Violation a Class a Misdemeanor and a Deceptive Act; Action for Injunctive Relief by Attorney General; Civil Penalty; Cumulative Enforcement Procedures

Sec. 9. (a) A person that knowingly or intentionally violates section 7 of this chapter commits:(1) a Class A misdemeanor; and(2) an act that is:(A) actionable by the attorney general under IC 24-5-0.5; and(B) subject to the penalties listed in IC 24-5-0.5.(b) The attorney general may maintain an action in the name of the state of Indiana to enjoin a person from violating section 7 of this chapter. A court in which the action is brought may:(1) issue an injunction;(2) order the person to make restitution;(3) order the person to reimburse the state for the attorney general's reasonable costs of investigating and prosecuting the violation; and(4) impose a civil penalty of not more than ten thousand dollars ($10,000) per violation.(c) A person that violates an injunction issued under this section is subject to a civil penalty of not more than ten thousand dollars ($10,000) per violation. The court that issues the injunction retains jurisdiction over a proceeding seeking the imposition of a civil penalty under this subsection.(d) A civil penalty imposed and collected under this section shall be deposited in the investigative fund established by IC 25-34.1-8-7.5.(e) The enforcement procedures established by this section are cumulative and an enforcement procedure available under this section is supplemental to any other enforcement procedure available under:(1) this section; or(2) any other state or federal law, rule, or regulation;for a violation of section 7 of this chapter.As added by P.L.52-2009, SEC.2.
IN Code § 24-5-23.6-1 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 23.6. Five Star Mortgages|24-5-23.6-1. "Creditor"

Sec. 1. (a) As used in this chapter, "creditor" means:(1) a person:(A) that engages in Indiana in the extension of mortgages that are subject to a credit service charge or loan finance charge, as applicable, or are payable by written agreement in more than four (4) installments (not including a down payment); and(B) to whom the obligation arising from a mortgage is initially payable, either on the face of the note or contract, or by agreement if there is not a note or contract; or(2) a person who brokers a mortgage, including a person who:(A) directly or indirectly solicits, processes, places, or negotiates mortgages for others;(B) offers to solicit, process, place, or negotiate mortgages for others; or(C) closes mortgages that may be in the person's own name with funds provided by others and that are thereafter assigned to the person providing funding for the mortgages.(b) The term does not include a person described in IC 24-9-2-6(b).As added by P.L.115-2010, SEC.20.
IN Code § 24-5-23.6-2 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 23.6. Five Star Mortgages|24-5-23.6-2. "Debtor"

Sec. 2. (a) As used in this chapter, "debtor", with respect to a mortgage, refers to the maker of the note secured by the mortgage.(b) The term includes a prospective debtor with respect to a mortgage for which a closing has not occurred.As added by P.L.115-2010, SEC.20.
IN Code § 24-5-23.6-3 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 23.6. Five Star Mortgages|24-5-23.6-3. "Department"

Sec. 3. As used in this chapter, "department" refers to the department of financial institutions established by IC 28-11-1-1.As added by P.L.115-2010, SEC.20.
IN Code § 24-5-23.6-4 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 23.6. Five Star Mortgages|24-5-23.6-4. "Dwelling"

Sec. 4. As used in this chapter, "dwelling" means a residential structure that is located in Indiana and that contains one (1) to four (4) units, regardless of whether the structure is permanently attached to real property. The term includes an individual:(1) condominium unit;(2) cooperative unit;(3) mobile home; or(4) trailer;that is used as a residence.As added by P.L.115-2010, SEC.20.
IN Code § 24-5-23.6-5 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 23.6. Five Star Mortgages|24-5-23.6-5. "Five Star Mortgage Lender"

Sec. 5. As used in this chapter, "five star mortgage lender" means a creditor that:(1) offers at least one (1) mortgage product that qualifies as a five star mortgage under the program; and(2) has a current and accurate certification on file with the department, as described in section 9(a)(3) of this chapter.As added by P.L.115-2010, SEC.20.
IN Code § 24-5-23.6-6 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 23.6. Five Star Mortgages|24-5-23.6-6. "Indiana Customer"

Sec. 6. As used in this chapter, "Indiana customer", with respect to a mortgage offered by a creditor, means an individual who:(1) is an Indiana resident at the time the mortgage is offered by the creditor; or(2) would become an Indiana resident after purchasing and occupying the dwelling that is the subject of the mortgage being offered.As added by P.L.115-2010, SEC.20.
IN Code § 24-5-23.6-7 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 23.6. Five Star Mortgages|24-5-23.6-7. "Mortgage"

Sec. 7. (a) As used in this chapter, "mortgage" means a sale or loan, or the refinancing or consolidation of a sale or loan, in which a first mortgage deed of (or another equivalent consensual security interest) that constitutes a first lien, is created or retained against land that is located in Indiana and upon which there is a dwelling that is or will be used by the debtor primarily for personal, family, or household purposes.(b) The term includes any of the following that meets the conditions set forth in subsection (a):(1) A home loan subject to IC 24-9.(2) A loan described in IC 24-9-1-1, to the extent allowed under federal law.(3) A first lien mortgage transaction (as defined in IC 24-4.4-1-301) subject to IC 24-4.4.(c) The term does not include a land contract (as defined in IC 24-4.4-1-301(36)).As added by P.L.115-2010, SEC.20. Amended by P.L.89-2011, SEC.22.
IN Code § 24-5-23.6-8 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 23.6. Five Star Mortgages|24-5-23.6-8. "Program"

Sec. 8. As used in this chapter, "program" refers to the five star mortgage program established by section 9 of this chapter.As added by P.L.115-2010, SEC.20.
IN Code § 24-5-24-1 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 24. Security Freezes for Consumer Reports|24-5-24-1. "Consumer"

Sec. 1. As used in this chapter, "consumer" means an individual:(1) whose principal residence is in Indiana; and(2) whose credit information and history is recorded in a consumer report.As added by P.L.104-2007, SEC.1.