reglab/housing_qa huggingface dataset:
OR Rev Stat § 646A.122 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.122 - Applicability of ORS 646A.120 to 646A.134.

(1) Lease-purchase agreements that comply with ORS 646A.120 to 646A.134 are not governed by laws relating to: (a) A security interest under ORS chapter 79. (b) A retail installment contract under ORS 83.010 to 83.190. (2) ORS 646A.120 to 646A.134 do not apply to the following: (a) Lease-purchase agreements primarily for business, commercial or agricultural purposes, or those made with governmental agencies or instrumentalities or with organizations; (b) A lease of a safe deposit box; (c) A lease or bailment of personal property which is incidental to the lease of real property, and which provides that the consumer has no option to purchase the leased property; or (d) A lease of a motor vehicle. [Formerly 646.247]
OR Rev Stat § 646A.124 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.124 - General disclosure requirements.

(1) The lessor shall disclose to the consumer the information required by ORS 646A.126. In a transaction involving more than one lessor, only one lessor need make the disclosures, but all lessors shall be bound by the disclosures. (2) The disclosures shall be made at or before consummation of the lease-purchase agreement. (3) The disclosures shall be made clearly and conspicuously in writing and a copy of the lease-purchase agreement shall be provided to the consumer. The disclosures required under ORS 646A.126 shall be made on the face of the contract above the line for the consumer’s signature. (4) If a disclosure becomes inaccurate as the result of any act, occurrence or agreement by the consumer after delivery of the required disclosures, the resulting inaccuracy is not a violation of ORS 646A.120 to 646A.134. (5) If any portion of the transaction is conducted in any language other than English, the disclosures required under ORS 646A.120 to 646A.134 shall be in the language other than English. This subsection does not apply if any portion of the transaction is conducted through an interpreter supplied by the lessee. [Formerly 646.249]
OR Rev Stat § 646A.126 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.126 - Specific disclosure requirements.

For each lease-purchase agreement, the lessor shall disclose in the agreement the following items, as applicable: (1) Whether the periodic payment is weekly, monthly or otherwise, the dollar amount of each payment and the total number and total dollar amount of all periodic payments necessary to acquire ownership of the property; (2) A statement that the consumer will not own the property until the consumer has made the total payment necessary to acquire ownership; (3) A statement advising the consumer whether the consumer is liable for loss or damage to the property, and, if so, the maximum amount for which the consumer is liable; (4) A brief description of the leased property, sufficient to identify the property to the consumer and the lessor, including an identification number, if applicable, and a statement indicating whether the property is new or used. A statement that indicates new property is used is not a violation of ORS 646A.120 to 646A.134; (5) A statement of the cash price of the property. Where one agreement involves a lease of two or more items as a set, a statement of the aggregate cash price of all items shall satisfy this requirement; (6) The total of initial payments paid or required at or before consummation of the agreement or delivery of the property, whichever is later; (7) A statement that the total amount of payments does not include other charges, such as late payment, default, pickup and reinstatement fees. Fees listed in this subsection shall be disclosed separately in the agreement; (8) A statement clearly summarizing the terms of the consumer’s option to purchase, including a statement that the consumer has the right to exercise an early purchase option, and the price, formula or method for determining the price at which the property may be so purchased; (9) A statement identifying the party responsible for maintaining or servicing the property while it is being leased, together with a description of that responsibility, and a statement that if any part of a manufacturer’s express warranty covers the lease property at the time the consumer acquires ownership of the property, it shall be transferred to the consumer, if allowed by the terms of the warranty; (10) The date of the transaction and the identities of the lessor and consumer; (11) A statement that the consumer may terminate the agreement without penalty by voluntarily surrendering or returning the property in good repair, reasonable wear and tear excepted, upon expiration of any lease term along with any past due rental payments; and (12) Notice of the right to reinstate an agreement as provided in ORS 646A.120 to 646A.134. [Formerly 646.251]
OR Rev Stat § 646A.128 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.128 - Provisions prohibited in lease-purchase agreements.

A lease-purchase agreement may not contain: (1) A confession of judgment; (2) A negotiable instrument; (3) A security interest or any other claim of a property interest in any goods except those goods delivered by the lessor pursuant to the lease-purchase agreement; (4) A wage assignment; (5) A waiver by the consumer of claims or defenses; (6) A provision authorizing the lessor or a person acting on the lessor’s behalf to enter upon the consumer’s premises without the permission of the consumer or to commit any breach of the peace in the repossession of goods; (7) A provision requiring the purchase of insurance or liability damage waiver from the lessor for property that is the subject of the lease-purchase agreement; (8) A provision that mere failure to return property constitutes probable cause for a criminal action; (9) A provision requiring the lessee to make a payment in addition to regular lease payments in order to acquire ownership of the leased property, or a provision requiring the lessee to make lease payments totaling more than the dollar amount necessary to acquire ownership, as disclosed pursuant to ORS 646A.126; (10) A provision requiring a late charge or reinstatement fee unless a periodic payment is late more than two days on a weekly agreement, or five days on a monthly agreement; (11) A late charge or reinstatement fee in excess of $5; or (12) More than one late charge or reinstatement fee on any one periodic payment regardless of the period of time during which it remains in default. [Formerly 646.253]
OR Rev Stat § 646A.130 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.130 - Reinstatement of lease-purchase agreement by consumer; receipt for each payment.

(1) A consumer who fails to make a timely rental payment may reinstate the agreement, without losing any rights or options which exist under the agreement, by the payment of: (a) All past due rental charges; (b) If the property has been picked up, the reasonable costs of pickup and redelivery; and (c) Any applicable late fee, within five days of the renewal date if the consumer pays monthly, or within two days of the renewal date if the consumer pays more frequently than monthly. (2) In the case of a consumer who has paid less than two-thirds of the total of payments necessary to acquire ownership and where the consumer has returned or voluntarily surrendered the property, other than through judicial process, during the applicable reinstatement period set forth in subsection (1) of this section, the consumer may reinstate the agreement during a period of not less than 21 days after the date of the return of the property. (3) In the case of a consumer who has paid two-thirds or more of the total of payments necessary to acquire ownership, and where the consumer has returned or voluntarily surrendered the property, other than through judicial process, during the applicable period set forth in subsection (1) of this section, the consumer may reinstate the agreement during a period of not less than 30 days after the date of the return of the property. (4) Nothing in this section shall prevent a lessor from attempting to repossess property during the reinstatement period, but such a repossession shall not affect the consumer’s right to reinstate. Upon reinstatement, the lessor shall provide the consumer with the same property or substitute property of comparable quality and condition. (5) A lessor shall provide the consumer with a written receipt for each payment made by cash or money order. [Formerly 646.255]
OR Rev Stat § 646A.132 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.132 - Renegotiation or extension of lease-purchase agreement.

(1) A renegotiation shall occur when an existing lease-purchase agreement is satisfied and replaced by a new agreement undertaken by the same lessor and consumer. A renegotiation shall be considered a new agreement requiring new disclosures. A renegotiation shall not include: (a) The addition or return of property in a multiple item agreement or the substitution of the lease property, if in either case the average payment allocable to a payment period is not changed by more than 10 percent; (b) A deferral or extension of one or more periodic payments, or portions of a periodic payment; (c) A reduction in charges in the lease or agreement; and (d) A lease or agreement involved in a court proceeding. (2) No disclosures are required for any extension of a lease-purchase agreement. [Formerly 646.257]
OR Rev Stat § 646A.134 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.134 - Disclosures required in advertisement for lease-purchase agreements.

(1) If an advertisement for a lease-purchase agreement refers to or states the dollar amount of any payment and the right to acquire ownership for any one specific item, the advertisement shall also clearly and conspicuously state the following items, as applicable: (a) That the transaction advertised is a lease-purchase agreement; (b) The total of payments necessary to acquire ownership; and (c) That the consumer acquires no ownership rights if the total amount necessary to acquire ownership is not paid. (2) Any owner or personnel of any medium in which an advertisement appears or through which it is disseminated shall not be liable under this section. (3) The provisions of subsection (1) of this section shall not apply to an advertisement which does not refer to or state the amount of any payment, or which is published in the yellow pages of a telephone directory or in any similar directory of business. (4) Every item displayed or offered under a lease-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 the periodic payment; and (c) The total number of periodic payments required for ownership. [Formerly 646.259] (Collision Damage Waivers in Vehicle Rentals)
OR Rev Stat § 646A.140 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.140 - Definitions for ORS 646A.140 and 646A.142.

As used in this section and ORS 646A.142: (1) "Authorized driver" means: (a) The person renting the vehicle; (b) The spouse of the person renting the vehicle, if the spouse is a licensed driver and meets any minimum age requirements contained in the rental agreement; (c) The employer or coworker of the person renting the vehicle if the employer or coworker is engaged in a business activity with the person renting the vehicle and the employer or coworker meets any minimum age requirements contained in the rental agreement; (d) Any person driving the vehicle during an emergency; and (e) Any person expressly listed by the rental company on the rental agreement as an authorized driver. (2) "Collision damage waiver" means an agreement between the renter and the rental company in which the company waives its right to impose a financial obligation on the renter or authorized driver if the vehicle is returned with physical damage. (3) "Damage" means any damage or loss to the rented vehicle, including loss of use and any costs and expenses incident to the damage or loss. (4) "Private passenger automobile" or "vehicle" means a motor vehicle designed primarily for transportation of persons. (5) "Rental agreement" means any written agreement setting forth the terms and conditions governing the use of a private passenger automobile provided by a rental company. (6) "Rental company" means any person engaged in the business of renting private passenger automobiles to the public. (7) "Renter" means any person or organization obtaining the use of a private passenger automobile from a rental company under the terms of a rental agreement. [Formerly 646.857]
OR Rev Stat § 646A.142 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.142 - Rental vehicle collision damage waiver notice.

(1) Every auto rental company doing business in the State of Oregon that offers collision damage waivers shall post a sign approved by the Department of Consumer and Business Services which states "OUR CONTRACTS OFFER OPTIONAL COLLISION DAMAGE WAIVERS AT AN ADDITIONAL COST." (2)(a) No rental company shall sell or offer to sell to a renter a collision damage waiver as part of a rental agreement unless the renter is provided the following written notice in at least 10-point type: ______________________________________________________________________________ NOTICE: Our contracts offer, for an additional charge, a collision damage waiver to cover your responsibility for damage to the vehicle. Before deciding whether or not to purchase the collision damage waiver, you may wish to determine whether your own vehicle insurance affords you coverage for damage to the rental vehicle and the amount of the deductible under your own insurance coverage. The purchase of this collision damage waiver is not mandatory and may be waived. ______________________________________________________________________________ (b) The notice required by this subsection shall either appear at the top of the rental agreement or shall be on a separate piece of paper attached to the top of the agreement. [Formerly 646.859]
OR Rev Stat § 646A.150 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.150 - Applicability of ORS 646A.150 to 646A.172.

(1) ORS 646A.150 to 646A.172: (a) Create a legal framework within which service contracts may be sold in this state; (b) Encourage innovation in the marketing and development of more economical and effective means of providing services under service contracts, while placing the risk of innovation on the obligors rather than on consumers; and (c) Permit and encourage fair and effective competition among different systems of providing and paying for service contracts. (2) ORS 646A.150 to 646A.172 do not apply to: (a) Warranties; or (b) Maintenance agreements. [Formerly 646.263]
OR Rev Stat § 646A.152 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.152 - Definitions for ORS 646A.150 to 646A.172.

As used in ORS 646A.150 to 646A.172: (1) "Maintenance agreement" means a contract of limited duration that provides for scheduled maintenance only. (2)(a) "Obligor" means a person that is contractually obligated to the service contract holder to provide service under a service contract. (b) "Obligor" does not include a person that has a home services contractor license, as described in ORS 701.501, and offers or provides services under a home service agreement, as defined in ORS 731.164. (3) "Person" means an individual, partnership, corporation, incorporated or unincorporated association, joint stock company, reciprocal, syndicate or any similar entity or combination of entities acting in concert. (4) "Service contract" is a contract described in ORS 646A.154. (5) "Service contract holder" or "contract holder" means a person that purchases or holds a service contract. (6) "Service contract seller" means a person that markets, sells or offers to sell a service contract. (7) "Warranty" means a warranty that a person that manufactures, imports or sells property or services makes without charge, that is not negotiated or separated from the sale of the product and is incidental to the sale of the product, and that guarantees indemnity for defective parts, mechanical or electrical breakdown, labor or other remedial measures, such as repair or replacement of the property or repetition of services. [Formerly 646.265; 2013 c.527 §1]
OR Rev Stat § 646A.156 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.156 - Required contents of service contracts.

A service contract issued, sold or offered for sale in this state shall meet the following requirements: (1) The service contract shall be written in clear, understandable language. (2) The service contract shall identify the obligor and the service contract seller. (3) If prior approval of repair work is required, the service contract shall state the procedure for obtaining prior approval and for making a claim, including a toll-free telephone number for claim service and a procedure for obtaining reimbursement for emergency repairs performed outside of normal business hours. (4) The service contract shall conspicuously state the existence of any deductible amount. (5) The service contract shall specify the merchandise covered, services to be provided and any limitations, exceptions or exclusions. (6) The service contract shall state any terms, restrictions or conditions governing the transferability of the service contract by the service contract holder. (7) The service contract shall state the terms, restrictions or conditions governing termination of the service contract by the service contract holder. [Formerly 646.269]
OR Rev Stat § 646A.158 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.158 - Prohibited conduct.

(1) A service contract seller or obligor shall not in a misleading or deceptive manner use in its name, contracts or literature, the words insurance, casualty, guaranty, surety, mutual or any other words descriptive of the insurance, casualty, guaranty, surety or mutual business. (2) In the offer or sale of any service contract, a person may not: (a) Make, issue, circulate or cause to be made, issued or circulated, any estimate, illustration, circular or statement misrepresenting the terms of any service contract sold or to be sold or the benefits or advantages therein. (b) Employ any device, scheme or artifice to defraud. (c) Obtain money or property by means of any untrue statement of a material fact or any omission to state a material fact necessary in order to make the statement made, in light of the circumstances under which it was made, not misleading. (d) Engage in any other transaction, practice or course of business which operates as a fraud or deceit upon the service contract holder. (3) In providing required services under a service contract, a person may not: (a) Fail to acknowledge and act within a reasonable time upon communications requesting services under a service contract. Unless the service contract provides otherwise, a person shall be deemed to have acted within a reasonable time if the person responds to a communication received from a service contract holder within 30 days of receipt of the communication. (b) Fail to act in good faith in reviewing a request for services under a service contract and advising the service contract holder whether the request is covered under the terms and conditions of the service contract. (c) Fail to act in good faith in providing covered services under a service contract. [Formerly 646.271]
OR Rev Stat § 646A.160 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.160 - Service contract obligor as agent of insurer; indemnification or subrogation rights of insurer.

(1) An obligor is considered to be the agent of the insurer that issued the reimbursement insurance policy. If a service contract seller acts as an obligor and enlists other service contract sellers, the service contract seller acting as the obligor shall notify the insurer of the existence and identities of the other service contract sellers. (2) An insurer that issues a reimbursement insurance policy may seek indemnification or subrogation against a service contract seller if the issuer pays or is obligated to pay the service contract holder sums that the service contract seller was obligated to pay pursuant to the provisions of the service contract or under a contractual agreement. [Formerly 646.273]
OR Rev Stat § 646A.164 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.164 - Complaints and investigations confidential; exceptions.

(1) Except as provided in subsection (3) of this section, a complaint made to the director against any person regulated by ORS 646A.150 to 646A.172, 742.390 and 742.392, and the record thereof, shall be confidential, and shall not be disclosed or available for public inspection or review. No such complaint, or the record thereof, shall be used in any action, suit or proceeding except to the extent it is essential to the prosecution of apparent violations of ORS 646A.150 to 646A.172, 742.390 and 742.392. (2) Except as provided in subsection (3) of this section, data gathered pursuant to any investigation by the director shall be confidential, and shall not be disclosed or available for public inspection or review. The data shall not be used in any action, suit or proceeding except to the extent it is essential in the investigation or prosecution of apparent violations of ORS 646A.150 to 646A.172, 742.390 and 742.392. (3) Notwithstanding subsections (1) and (2) of this section, the director may disclose any complaint and any data gathered pursuant to ORS 646A.150 to 646A.172, 742.390 and 742.392 to any state, federal or local enforcement agency. The recipient agency may use the complaint and data for any official purpose, including the civil enforcement of laws subject to the agency jurisdiction. [Formerly 646.277]
OR Rev Stat § 646A.166 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.166 - Refusal to continue or suspension or revocation of registration.

The Director of the Department of Consumer and Business Services may refuse to continue or may suspend or revoke an obligor’s registration if the director finds after a hearing that: (1) The obligor has intentionally engaged in a pattern or practice of failing to comply with any lawful order of the director relating to a prior violation of ORS 646A.158 (3)(c). (2) The obligor fails to meet or maintain the financial stability requirements set forth in ORS 646A.154. [Formerly 646.279]