reglab/housing_qa huggingface dataset:
MA Gen L ch 140d § 18 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XX - Public Safety and Good Order|Chapter 140d - Consumer Credit Cost Disclosure|Section 18 - Model Disclosure Forms and Clauses

Section 18. The use of model disclosure forms and clauses for common transactions to facilitate compliance with the disclosure requirements and to aid and assist the borrower in understanding the transaction by utilizing readily understandable language to simplify the technical nature of the disclosures, issued by the bureau, shall be deemed to be in compliance with the provisions of this chapter. Nothing in this section may be construed to require a creditor to use any such model form or clause. A creditor shall be deemed to be in compliance with the disclosure provisions of this chapter with respect to other than numerical disclosures if the creditor (1) uses any appropriate model form or clause as published by the bureau, or (2) uses any such model form or clause and changes it by (A) deleting any information that is not required by this chapter, or (B) rearranging the format, if in making such deletion or rearranging the format, the creditor does not affect the substance, clarity or meaningful sequence of the disclosure.
MA Gen L ch 140d § 19 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XX - Public Safety and Good Order|Chapter 140d - Consumer Credit Cost Disclosure|Section 19 - Time for Sending Statement; Noncompliance; Finance Charge

Section 19. (a) The creditor shall mail or deliver to the customer the statement or statements required by subsection (b) of section eleven for each billing cycle at least 14 days before the end of the next succeeding billing cycle or the payment due date, whichever is earlier. If the creditor fails to mail or deliver such statement or statements within the specified period, he shall not be entitled to any finance charge with respect to the next succeeding billing cycle based upon the balance of the preceding billing cycle.  If any such finance charge is assessed or collected, the customer shall receive a credit or refund for any such finance charge assessed or collected other than in accordance with the provisions of this section within the two billing cycles following such assessment or collection, the failure to provide such credit or refund within the period specified shall subject the creditor to the penalties provided in section thirty-two.  (b) Subsection (a) shall not apply in any case where a creditor has been prevented, delayed or hindered in making timely mailing or delivery of such periodic statement within the time period specified in said subsection because of an act of God, war, natural disaster, strike or other excusable or justifiable cause, as determined by the commissioner.
MA Gen L ch 140d § 20 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XX - Public Safety and Good Order|Chapter 140d - Consumer Credit Cost Disclosure|Section 20 - Sale of Goods or Services at Retail; Finance Charge Under Open-End-Credit Plan; Computation

Section 20. If a finance charge is imposed under an open-end credit plan on balances resulting from the sale of goods or services at retail made in reliance on a credit card, the finance charge applicable to said balances for any cycle shall be computed on (i) the previous balance after deducting all payments on account received by the creditor during the cycle and all credits to the account during the cycle applicable to any sale reflected in the previous balance; or (ii) the average daily balance determined by adding the daily balances on the account for each day in the billing cycle and dividing the total by the number of days in the billing cycle; or (iii) daily balances; provided, however, that no finance charge may be computed on any new sale reflected for the first time in the account during the billing cycle if there was no balance outstanding in the account at the beginning of the cycle, or if such balance is solely attributable to a finance charge assessed with respect to the preceding billing cycle, or if the sum of all payments received by the creditor during the cycle and all credits to the account applicable to any balance outstanding at the beginning of the cycle is equal to or exceeds the amount of such balance outstanding.
MA Gen L ch 140d § 21 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XX - Public Safety and Good Order|Chapter 140d - Consumer Credit Cost Disclosure|Section 21 - Application of Credit Cardholder's Funds Held by Issuer; Authorization; Agreement Statement

Section 21. A person issuing a credit card shall not apply any funds of the cardholder held for any purpose by the issuer of the card in order to satisfy a debt arising from the use of such credit card unless such action was previously authorized by the cardholder in a separately signed agreement whereby the cardholder agrees to pay debts incurred in his open-end-credit account by permitting the card issuer to deduct periodically all or a portion of such debt from the cardholder's deposit account; provided, however, that such action shall not be taken with respect to a disputed item if the cardholder so requests. This agreement shall contain the following statement appearing conspicuously on the face thereof:  YOU DO NOT HAVE TO SIGN THIS AGREEMENT IN ORDER TO OBTAIN A CREDIT CARD.
MA Gen L ch 140d § 23 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XX - Public Safety and Good Order|Chapter 140d - Consumer Credit Cost Disclosure|Section 23 - Transfer of Funds Following Default of Debt; Written Notice; Applicability

Section 23. No bank or credit union shall transfer any funds held in any account of the customer in said bank or credit union as a consequence of a default of a debt owed to such institution unless the customer has been provided a written notice, prior to the time the loan is made, which states the institution may transfer such funds to reduce or extinguish such a debt. The provisions of this section shall not apply to open-end-credit plans which are subject to section twenty-one.
MA Gen L ch 140d § 24 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XX - Public Safety and Good Order|Chapter 140d - Consumer Credit Cost Disclosure|Section 24 - Guaranty of Obligations of Other Persons; Notice of Additional Obligations

Section 24. No person who executes a guaranty of the obligations of another in connection with an application by such other person for an open-end-credit plan or for an extension of credit other than an open-end-credit plan shall be liable as a result of such guaranty for an obligation not arising under such plan or extension of credit unless such person has been notified of such additional obligation in advance.
MA Gen L ch 140d § 25 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XX - Public Safety and Good Order|Chapter 140d - Consumer Credit Cost Disclosure|Section 25 - Issuance of Credit Cards

Section 25. No credit card shall be issued except in response to a request or application therefor, or the issuance of a credit card in renewal of, or in substitution for, an accepted credit card.
MA Gen L ch 140d § 26 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XX - Public Safety and Good Order|Chapter 140d - Consumer Credit Cost Disclosure|Section 26 - Cardholder Liability for Unauthorized Use

Section 26. (a)(1) A cardholder shall be liable for the unauthorized use of a credit card only if:  (A) The card is an accepted credit card;  (B) The liability is not in excess of fifty dollars;  (C) The card issuer gives adequate notice to the cardholder of the potential liability;  (D) The card issuer has provided the cardholder with a description of a means by which the card issuer may be notified of loss or theft of the card, which description may be provided on the face or reverse side of the statement required by subsection (b) of section eleven or on a separate notice accompanying such statement;  (E) The unauthorized use occurs before the card issuer has been notified that an unauthorized use of the credit card has occurred or may occur as a result of loss, theft, or otherwise; and  (F) The card issuer has provided a method whereby the user of such card can be identified as the person authorized to use it.  (2) For purposes of this section, a card issuer has been notified when such steps as may be reasonably required in the ordinary course of business to provide the card issuer with the pertinent information have been taken, whether or not any particular officer, employee, or agent of the card issuer does in fact receive such information.  (b) In any action by a card issuer to enforce liability for the use of a credit card, the burden of proof is upon the card issuer to show that the use was authorized or, if the use was unauthorized, then the burden of proof is upon the card issuer to show that the conditions of liability for the unauthorized use of a credit card, as set forth in subsection (a), have been met.  (c) Nothing in this section imposes liability upon a cardholder for the unauthorized use of a credit card in excess of his liability for such use under other applicable law or under any agreement with the card issuer.  (d) Except as provided in this section, a cardholder shall incur no liability from the unauthorized use of a credit card.
MA Gen L ch 140d § 27 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XX - Public Safety and Good Order|Chapter 140d - Consumer Credit Cost Disclosure|Section 27 - Unauthorized Use of Credit Cards

Section 27. (a) Whoever knowingly in a transaction uses or attempts or conspires to use any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card to obtain money, goods, services, or anything else of value which within any one-year period has a value aggregating one thousand dollars or more; or  (b) Whoever, with unlawful or fraudulent intent, transports or attempts or conspires to transport a counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card knowing the same to be counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained; or  (c) Whoever, with unlawful or fraudulent intent, uses any instrumentality of interstate or foreign commerce to sell or transport a counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card knowing the same to be counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained; or  (d) Whoever knowingly receives, conceals, uses, or transports money, goods, services, or anything else of value which (1) within any one-year period has a value aggregating one thousand dollars or more, and (2) has been obtained with a counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card; or  (e) Whoever knowingly receives, conceals, uses, sells, or transports one or more tickets for interstate or foreign transportation, which (1) within any one-year period have a value aggregating five hundred dollars or more, and (2) have been purchased or obtained with one or more counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit cards; or  (f) Whoever in a transaction furnishes money, property, services, or anything else of value, which within any one-year period has a value aggregating one thousand dollars or more, through the use of any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card knowing the same to be counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained shall be fined not more than ten thousand dollars or imprisoned not more than ten years, or both.
MA Gen L ch 140d § 28 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XX - Public Safety and Good Order|Chapter 140d - Consumer Credit Cost Disclosure|Section 28 - Liability of Business for Unauthorized Use of Credit Cards

Section 28. The exemption provided by subsection (a) of section two shall not apply to the provisions of sections twenty-five, twenty-six and twenty-seven, except that a card issuer and a business or other organization which provides credit cards issued by the same card issuer to ten or more of its employees may by contract agree as to liability of the business or other organization with respect to unauthorized use of such credit cards without regard to the provisions of section twenty-six, but in no case may such business or other organization or card issuer impose liability upon any employee with respect to unauthorized use of such a credit card except in accordance with and subject to the limitations of said section twenty-six.
MA Gen L ch 140d § 28a (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XX - Public Safety and Good Order|Chapter 140d - Consumer Credit Cost Disclosure|Section 28a - Cardholder Discounts; Surcharges; Finance Charge

Section 28A. (a)(1) With respect to a credit card which may be used for extensions of credit in sales transactions in which the seller is a person other than the card issuer, the card issuer may not, by contract or otherwise, prohibit any such seller from offering a discount to a cardholder to induce the cardholder to pay cash, check or similar means rather than use a credit card.  (2) No seller in any sales transaction may impose a surcharge on a cardholder who elects to use a credit card in lieu of payment by cash, check or similar means.  (b) With respect to any sales transaction, any discount from the regular price offered by the seller for the purpose of inducing payment by cash, check or other means not involving the use of an open-end-credit plan or a credit card shall not constitute a finance charge under section four if such discount is offered to all prospective buyers and its availability is disclosed clearly and conspicuously.
MA Gen L ch 140d § 28b (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XX - Public Safety and Good Order|Chapter 140d - Consumer Credit Cost Disclosure|Section 28b - Participation in Credit Card Plans; Conditions

Section 28B. Notwithstanding any agreement to the contrary, a card issuer may not require a seller, as a condition to participating in a credit card plan, to open an account with or procure any other service from the card issuer or its subsidiary or agent.
MA Gen L ch 140d § 29 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XX - Public Safety and Good Order|Chapter 140d - Consumer Credit Cost Disclosure|Section 29 - Rules and Regulations; Consistency With Federal Fair Credit Billing Act

Section 29. The commissioner may prescribe from time to time rules and regulations consistent with the provisions of the Federal Fair Credit Billing Act 15 USC 1666 to 1666j, inclusive, and the regulations promulgated thereunder, and a creditor upon whom such rules and regulations impose duties or obligations, shall make or give to a customer the disclosures, information and notices required of him by such rules and regulations, and such disclosures, information and notices shall constitute compliance with the provisions of this chapter.
MA Gen L ch 140d § 30 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XX - Public Safety and Good Order|Chapter 140d - Consumer Credit Cost Disclosure|Section 30 - Inspection of Records

Section 30. Each creditor shall, when directed by the commissioner, permit the commissioner or his duly authorized representative to inspect its relevant records and evidence of compliance with this chapter, or any rule or regulation issued thereunder.
MA Gen L ch 140d § 31 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XX - Public Safety and Good Order|Chapter 140d - Consumer Credit Cost Disclosure|Section 31 - Prohibited Acts; Penalty

Section 31. Whoever willfully and knowingly:  (1) Gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this chapter or any regulation issued thereunder,  (2) Uses any chart or table authorized by the commissioner or the bureau under section five in such a manner as to consistently understate the annual percentage rate determined under subclause (A) of clause (1) of subsection (a) of section five, or  (3) Otherwise fails to comply with any requirement imposed under this chapter, or any rule or regulation issued thereunder, shall be fined not more than five thousand dollars or imprisoned not more than one year, or both.
MA Gen L ch 140d § 34 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XX - Public Safety and Good Order|Chapter 140d - Consumer Credit Cost Disclosure|Section 34 - Unfair Trade Practices; Violations

Section 34. A violation of this chapter, or any rule or regulation issued hereunder, shall constitute a violation of chapter ninety-three A.
MA Gen L ch 140d § 35 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XX - Public Safety and Good Order|Chapter 140d - Consumer Credit Cost Disclosure|Section 35 - Limitations on Creditors' Liability and Consumer Rescission Rights

Section 35. (a) For any consumer credit transaction subject to this chapter that is consummated before September thirtieth, nineteen hundred and ninety-five, a creditor or any assignee of a creditor shall have no civil, administrative or criminal liability under this chapter for, and a consumer shall have no extended rescission rights under section ten with respect to:  (1) the creditor's treatment, for disclosure purposes, of:  (i) taxes described in clause (3) of subsection (d) of section four;  (ii) fees described in clauses (2) and (5) of subsection (e) of said section four;  (iii) fees and amounts referred to in clause (7) of subsection (e) of said section four;  (iv) borrower-paid mortgage broker fees referred to in clause (6) of subsection (a) of said section four.  (2) the form of written notice used by the creditor to inform the obligor of the rights of the obligor under the provisions of section ten if the creditor provided the obligor with a properly dated form of written notice published and adopted by the commissioner or a comparable written notice, and otherwise complied with all the requirements of this chapter regarding notice; or  (3) any disclosure relating to the finance charge imposed with respect to the transaction if the amount or percentage actually disclosed -  (i) may be treated as accurate for the purposes of this chapter if the amount disclosed as the finance charge does not vary from the actual finance charge by more than two hundred dollars;  (ii) may, under clause (2) of said subsection (a) of said section four, be treated as accurate for the purposes of section ten; or  (iii) is greater than the amount or percentage required to be disclosed under this chapter.  (b) Subsection (a) shall not apply to:  (1) any individual action or counterclaim brought under this chapter which was filed before June first, nineteen hundred and ninety-five;  (2) any class action brought under this chapter for which a final order certifying a class was entered before January first, nineteen hundred and ninety-five;  (3) the named individual plaintiffs in any class action brought under this chapter which was filed before June first, nineteen hundred and ninety-five; or  (4) any consumer credit transaction with respect to which a timely notice of rescission was sent to the creditor before June first, nineteen hundred and ninety-five.
MA Gen L ch 140d § 36 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XX - Public Safety and Good Order|Chapter 140d - Consumer Credit Cost Disclosure|Section 36 - Exemption From Requirements of Federal Law; Action for Determination by Bureau That Commonwealth Requirements Substantially Similar to Federal Requirements

Section 36. The commissioner may take any action necessary, including but not limited to promulgating regulations under chapter 30A, to apply for or to preserve a determination by the bureau, or its successor agency, that under the laws of the commonwealth any class of credit transactions within the commonwealth shall be subject to requirements substantially similar to the federal requirements and that there are adequate provisions for enforcement of such requirements.
MA Gen L ch 141 § 1 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XX - Public Safety and Good Order|Chapter 141 - Supervision of Electricians|Section 1 - Definitions

Section 1. The following words as used in this chapter, unless the context otherwise requires, shall have the following meanings:  ''Fee'', a fee to be determined annually by the commissioner of administration under the provision of section three B of chapter seven.  ''Fire warning system'', an inherently power limited system of wires, conduits, apparatus, devices, fixtures or other appliances installed and interconnected electrically or electronically for the detection of heat, smoke, or products of combustion, or for the transmission of signals or audible alarms.  ''Inherently power limited system'', a system requiring no overcurrent protection due to design and construction.  ''Journeyman electrician'', a person qualified to do the work of installing, repairing, or maintaining wires, conduits, apparatus, devices, fixtures, or other appliances used for heat, light, power, fire warning or security system purposes.  ''Master electrician'', a person, firm or corporation having a regular place of business who, by the employment of journeyman or apprentices, performs the work of installing, repairing or maintaining wires, conduits, apparatus, devices, fixtures or other appliances used for light, heat, power, fire warning or security system purposes; provided, however, that no journeyman electrician so employed shall have more than one apprentice under his supervision; and provided, further, that not more than one such apprentice shall be employed for each journeyman electrician.  ''Security system'', an inherently power limited system of wires, conduits, apparatus, devices, fixtures, or other appliances installed and interconnected electrically or electronically to permit access control, proprietary signalling, surveillance and the detection of burglary, intrusion, holdup, or other conditions requiring response or the transmission of signals or audible alarms.  ''System'', a fire warning, security or other inherently power limited system, wire, conduit or device which conducts or consumes electricity and is electrically or electronically activated.  ''Systems contractor'', a person, firm or corporation having a regular place of business who, by the employment of systems technicians or apprentices, performs the work of installing, repairing or maintaining wires, conduits, apparatus, devices, fixtures or other appliances used for systems; provided, however, that no systems technician so employed shall have more than one apprentice under his supervision; and provided, further, that not more than one such apprentice shall be employed for each systems technician.  ''Systems technician'', a person qualified to do the work of installing, repairing or maintaining wires, conduits, apparatus, devices, fixtures or other appliances used for systems.