reglab/housing_qa huggingface dataset:
9-A ME Rev Stat § 4-407 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 4: INSURANCE|Part 4: INSURANCE ACTIVITIES BY SUPERVISED LENDERS|9-A §4-407. Rulemaking

 §4-407. Rulemaking The Superintendent of Financial Institutions, the Superintendent of Insurance and the Superintendent of Consumer Credit Protection may undertake joint rulemaking, pursuant to this section, Title 9-B, section 448, subsection 5 and Title 24-A, section 1443-A, subsection 3 to carry out the purposes of section 4-406, including issues regarding signs, the physical location of sales of insurance and identification of agents and brokers affiliated with financial institutions, credit unions, financial institution holding companies or supervised lenders. In adopting rules pursuant to this Part, the Superintendent of Financial Institutions, the Superintendent of Insurance and the Superintendent of Consumer Credit Protection shall consider the possibility of confusion and perception of coercion among the insurance consuming public, the need for cost-effective delivery of insurance products to insurance consumers and the importance of parity among agents and brokers affiliated with federally chartered and state-chartered financial institutions and credit unions. Any rule adopted may not interfere significantly with the ability of an agent or broker to solicit or negotiate the sale of an insurance product, whether or not that agent or broker is affiliated with a financial institution, credit union, financial institution holding company or supervised lender, except when no other reasonable alternative exists that protects the insurance consuming public. Rules adopted under this Part are routine technical rules pursuant to Title 5, chapter 375, subchapter II-A. Nothing in this section is intended to restrict or interfere with the ability of the Bureau of Insurance, the Bureau of Financial Institutions or the Bureau of Consumer Credit Protection to adopt rules with respect to areas in which the respective agencies have independent jurisdiction.   [PL 1999, c. 127, Pt. A, §19 (AMD); PL 2001, c. 44, §11 (AMD); PL 2001, c. 44, §14 (AFF); PL 2007, c. 273, Pt. B, §§5, 6 (REV); PL 2007, c. 695, Pt. A, §47 (AFF).]SECTION HISTORY PL 1997, c. 315, §8 (NEW). PL 1999, c. 127, §A19 (AMD). PL 2001, c. 44, §11 (AMD). PL 2001, c. 44, §14 (AFF). PL 2007, c. 273, Pt. B, §§5, 6 (REV). PL 2007, c. 273, Pt. B, §7 (AFF). PL 2007, c. 695, Pt. A, §47 (AFF).
9-A ME Rev Stat § 5-101 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 5: REMEDIES AND PENALTIES|Part 1: LIMITATIONS ON CREDITORS' REMEDIES|9-A §5-101. Short title

 §5-101. Short title This Article shall be known and may be cited as the "Maine Consumer Credit Code -- Remedies and Penalties."   [PL 1973, c. 762, §1 (NEW).]SECTION HISTORY PL 1973, c. 762, §1 (NEW).
9-A ME Rev Stat § 5-102 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 5: REMEDIES AND PENALTIES|Part 1: LIMITATIONS ON CREDITORS' REMEDIES|9-A §5-102. Scope

 §5-102. Scope This Part applies to actions or other proceedings to enforce rights arising from consumer credit transactions; and, in addition, to extortionate extensions of credit, section 5‑107.   [RR 2013, c. 2, §9 (COR).]SECTION HISTORY PL 1973, c. 762, §1 (NEW). RR 2013, c. 2, §9 (COR).
9-A ME Rev Stat § 5-103 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 5: REMEDIES AND PENALTIES|Part 1: LIMITATIONS ON CREDITORS' REMEDIES|9-A §5-103. Restrictions on deficiency judgments

 §5-103. Restrictions on deficiency judgments 1.  This section applies to any consumer credit sale of goods or services and to any supervised loan.   [PL 1973, c. 762, §1 (NEW).] 2.  If a creditor takes possession of or voluntarily accepts surrender of goods in which that creditor has a security interest to secure a debt and the amount financed is $2,800 or less, the consumer and any sureties are not personally liable to the creditor for the unpaid balance of the debt.   [PL 1997, c. 727, Pt. B, §17 (AMD).] 3.  For the purpose of determining the unpaid balance of consolidated debts or debts pursuant to open end credit, the allocation of payments to a debt shall be determined in the same manner as provided for determining the amount of debt secured by various security interests, section 3‑303.   [PL 1973, c. 762, §1 (NEW).] 4.  The consumer may be liable in damages to the creditor if the consumer has willfully or intentionally damaged the collateral or if, after default and demand, the consumer has concealed the collateral from the creditor.   [PL 1973, c. 762, §1 (NEW).] 5.  If the creditor elects to bring an action against the consumer for a debt arising from a consumer loan or consumer credit sale of goods or services, when under this section he would not be entitled to a deficiency judgment if he repossessed the collateral and obtains judgment:   A. He may not repossess the collateral; and   [PL 1973, c. 762, §1 (NEW).]B. The collateral is not subject to levy or sale on execution or similar proceedings pursuant to the judgment.   [PL 1975, c. 288, §3 (AMD).][PL 1975, c. 288, §3 (AMD).] 6.   [PL 1997, c. 727, Pt. B, §18 (RP).] SECTION HISTORY PL 1973, c. 762, §1 (NEW). PL 1975, c. 288, §3 (AMD). PL 1985, c. 763, §A41 (AMD). PL 1997, c. 727, §§B17,18 (AMD).
9-A ME Rev Stat § 5-104 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 5: REMEDIES AND PENALTIES|Part 1: LIMITATIONS ON CREDITORS' REMEDIES|9-A §5-104. No garnishment before judgment

 §5-104. No garnishment before judgment Prior to entry of judgment in an action against the consumer for debt arising from a consumer credit transaction, the creditor may not obtain an interest in any property of the debtor by attachment, garnishment or like proceedings.   [PL 1973, c. 762, §1 (NEW).]SECTION HISTORY PL 1973, c. 762, §1 (NEW).
9-A ME Rev Stat § 5-105 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 5: REMEDIES AND PENALTIES|Part 1: LIMITATIONS ON CREDITORS' REMEDIES|9-A §5-105. Limitation on garnishment

 §5-105. Limitation on garnishment 1.  For the purposes of this Part:   A. "Disposable earnings" means that part of the earnings of an individual remaining after the deduction from those earnings of amounts required by law to be withheld; and   [PL 1973, c. 762, §1 (NEW).]B. "Garnishment" means an installment payment order under Title 14, chapter 502.   [PL 1973, c. 762, §1 (NEW).][PL 1973, c. 762, §1 (NEW).] 2.  The maximum part of the aggregate disposable earnings of an individual for any workweek that is subjected to garnishment to enforce payment of a judgment arising from a consumer credit transaction may not exceed the lesser of:   A. Twenty-five percent of the individual's disposable earnings for that week; and   [PL 2007, c. 7, §1 (RPR).]B. The amount by which the individual's disposable earnings for that week exceed 40 times the federal minimum hourly wage prescribed by Section 6(a)(I) of the Fair Labor Standards Act of 1938, 29 United States Code, Section 206(a)(I), or the state minimum wage prescribed by Title 26, section 664, whichever is higher, in effect at the time the earnings are payable.   In the case of earnings for a pay period other than a week, the administrator shall prescribe by rule a multiple of the minimum hourly wage equivalent in effect to that set forth in this paragraph.   [PL 2007, c. 7, §1 (RPR).]C. [PL 2007, c. 7, §1 (RP).] [PL 2007, c. 7, §1 (RPR).] 3.  No court may make, execute or enforce an order or process in violation of this section.   [PL 1973, c. 762, §1 (NEW).] SECTION HISTORY PL 1973, c. 762, §1 (NEW). PL 1995, c. 614, §A5 (AMD). PL 2007, c. 7, §1 (AMD).
9-A ME Rev Stat § 5-106 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 5: REMEDIES AND PENALTIES|Part 1: LIMITATIONS ON CREDITORS' REMEDIES|9-A §5-106. No discharge from employment for garnishment

 §5-106. No discharge from employment for garnishment No employer shall discharge an employee for the reason that a creditor of the employee has subjected or attempted to subject unpaid earnings of the employee to garnishment or like proceedings directed to the employer for the purpose of paying a judgment arising from a consumer credit transaction.   [PL 1973, c. 762, §1 (NEW).]SECTION HISTORY PL 1973, c. 762, §1 (NEW).
9-A ME Rev Stat § 5-107 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 5: REMEDIES AND PENALTIES|Part 1: LIMITATIONS ON CREDITORS' REMEDIES|9-A §5-107. Extortionate extensions of credit

 §5-107. Extortionate extensions of credit 1.  If it is the understanding of the creditor and the consumer at the time an extension of credit is made that delay in making repayment or failure to make repayment could result in the use of violence or other criminal means to cause harm to the person, reputation or property of any person, the repayment of the extension of credit is unenforceable through civil judicial processes against the consumer.   [PL 1973, c. 762, §1 (NEW).] 2.  If it is shown that an extension of credit was made at an annual rate exceeding 33% calculated according to the actuarial method and that the creditor then had a reputation for the use or threat of use of violence or other criminal means to cause harm to the person, reputation or property of any person to collect extensions of credit or to punish the nonrepayment thereof, there is prima facie evidence that the extension of credit was unenforceable under subsection 1.   [PL 1973, c. 762, §1 (NEW).] SECTION HISTORY PL 1973, c. 762, §1 (NEW).
9-A ME Rev Stat § 5-108 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 5: REMEDIES AND PENALTIES|Part 1: LIMITATIONS ON CREDITORS' REMEDIES|9-A §5-108. Unconscionability; inducement by unconscionable conduct

 §5-108. Unconscionability; inducement by unconscionable conduct 1.  With respect to a consumer credit transaction, if the court as a matter of law finds:   A. The agreement to have been unconscionable at the time it was made, or to have been induced by unconscionable conduct, the court may refuse to enforce the agreement; or   [PL 1973, c. 762, §1 (NEW).]B. Any clause of the agreement to have been unconscionable at the time it was made, the court may refuse to enforce the agreement, or may enforce the remainder of the agreement without the unconscionable clause, or may so limit the application of any unconscionable clause as to avoid any unconscionable result.   [PL 1973, c. 762, §1 (NEW).][PL 1973, c. 762, §1 (NEW).] 2.  If it is claimed or appears to the court that the agreement or any clause thereof may be unconscionable, the parties shall be afforded a reasonable opportunity to present evidence as to its setting, purpose and effect to aid the court in making the determination.   [PL 1973, c. 762, §1 (NEW).] 3.  For the purpose of this section, a change or practice expressly permitted by this Act is not in and of itself unconscionable in the absence of other practices and circumstances.   [PL 1973, c. 762, §1 (NEW).] SECTION HISTORY PL 1973, c. 762, §1 (NEW).
9-A ME Rev Stat § 5-109 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 5: REMEDIES AND PENALTIES|Part 1: LIMITATIONS ON CREDITORS' REMEDIES|9-A §5-109. Default

 §5-109. Default An agreement of the parties to a consumer credit transaction with respect to default on the part of the consumer is enforceable only to the extent that:   [PL 1973, c. 762, §1 (NEW).]1.  The consumer fails to make a payment as required by agreement; or   [PL 1973, c. 762, §1 (NEW).] 2.  The prospect of payment, performance or realization of collateral is significantly impaired. The burden of establishing the prospect of significant impairment is on the creditor.   [PL 1973, c. 762, §1 (NEW).] 3.  The following without limitation shall constitute a significant impairment of the prospect of payment, performance or realization of collateral:   A. Death, insolvency, assignment for the benefit of creditors, the commencement of any proceeding under any bankruptcy or insolvency laws by or against debtors;   [PL 1973, c. 762, §1 (NEW).]B. Loss, theft, substantial damage to or destruction of the collateral not covered by insurance;   [PL 1973, c. 762, §1 (NEW).]C. Sale or prior encumbrance of the collateral;   [PL 1987, c. 129, §64 (AMD).]D. Failure to renew insurance on the collateral; or termination of insurance on the collateral when substitute insurance is not obtained before the insurance coverage terminates; and   [PL 1987, c. 129, §64 (AMD).]E. Discovery by the creditor of a misstatement of a material fact in any document signed by the consumer which forms part of the basis for extending credit.   [PL 1987, c. 129, §64 (NEW).][PL 1987, c. 129, §64 (AMD).] 4.  The consumer fails to make a payment as required by agreement if he fails to pay when due an amount equal to or greater than the amount of the average installment under a schedule of payments, other than any down payment or balloon payment permitted under section 3‑308, which conforms both as to amounts and intervals to the average of all installments and intervals under the agreement. The unpaid amount due may consist of any unpaid installment or accumulation of partially unpaid installments, delinquency or deferral charges, or any combination thereof.   [PL 1979, c. 486 (NEW).] SECTION HISTORY PL 1973, c. 762, §1 (NEW). PL 1975, c. 250 (AMD). PL 1979, c. 486 (AMD). PL 1987, c. 129, §64 (AMD).
9-A ME Rev Stat § 5-112 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 5: REMEDIES AND PENALTIES|Part 1: LIMITATIONS ON CREDITORS' REMEDIES|9-A §5-112. Creditor's right to take possession after default

 §5-112. Creditor's right to take possession after default Upon default by a consumer, unless the consumer voluntarily surrenders possession of the collateral to the creditor, the creditor may take possession of the collateral without judicial process only if possession can be taken without entry into a dwelling, unless such entry has been authorized after default, and without the use of force or other breach of the peace.   [PL 1973, c. 762, §1 (NEW).]SECTION HISTORY PL 1973, c. 762, §1 (NEW).
9-A ME Rev Stat § 5-113 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 5: REMEDIES AND PENALTIES|Part 1: LIMITATIONS ON CREDITORS' REMEDIES|9-A §5-113. Venue

 §5-113. Venue An action against a consumer arising from a consumer credit transaction shall be brought in any county or division of the consumer's residence, section 1‑201, subsection 6, in the county or division in which the transaction was made or where an interest in land secures the consumer's obligation, the action may be brought in the county or division in which the land or a part thereof is located. The consumer may have the action removed to the county or division of the consumer's current residence upon motion accompanied by an allegation of a claim or defense to the action. If the residence of the consumer is not within this State, the action may be brought in the county or division in which the sale, lease or loan was made.   [PL 1973, c. 762, §1 (NEW).]SECTION HISTORY PL 1973, c. 762, §1 (NEW).
9-A ME Rev Stat § 5-114 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 5: REMEDIES AND PENALTIES|Part 1: LIMITATIONS ON CREDITORS' REMEDIES|9-A §5-114. Stay of enforcement of judgment

 §5-114. Stay of enforcement of judgment At any time after the entry of a judgment in favor of a creditor against a consumer in an action arising from a consumer credit transaction, the court, for cause and upon motion of a party or on its own motion, may, while such court retains jurisdiction, stay enforcement of the judgment by order upon just and equitable conditions, and continue, modify or revoke the order as the interests of justice may require.   [PL 1973, c. 762, §1 (NEW).]SECTION HISTORY PL 1973, c. 762, §1 (NEW).
9-A ME Rev Stat § 5-115 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 5: REMEDIES AND PENALTIES|Part 1: LIMITATIONS ON CREDITORS' REMEDIES|9-A §5-115. Misrepresentation

 §5-115. Misrepresentation A creditor or a person acting for him may not induce a consumer to enter into a consumer credit transaction by misrepresentation of a material fact with respect to the terms and conditions of the extension of credit. A consumer so induced may rescind the sale, lease or loan or recover actual damages, or both.   [PL 1973, c. 762, §1 (NEW).]SECTION HISTORY PL 1973, c. 762, §1 (NEW).
9-A ME Rev Stat § 5-116 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 5: REMEDIES AND PENALTIES|Part 1: LIMITATIONS ON CREDITORS' REMEDIES|9-A §5-116. Illegal, fraudulent or unconscionable conduct in attempted collection of debts

 §5-116. Illegal, fraudulent or unconscionable conduct in attempted collection of debts 1.  In attempting to collect an alleged debt arising from a consumer credit sale, consumer lease or consumer loan, a person shall not:   A. Use or threaten force or violence;   [PL 1973, c. 762, §1 (NEW).]B. Threaten criminal prosecution;   [PL 1973, c. 762, §1 (NEW).]C. Disclose or threaten to disclose information affecting the debtor's reputation for credit worthiness with knowledge or reason to know that the information is false;   [PL 1973, c. 762, §1 (NEW).]D. Communicate more than twice or threaten to communicate more than twice to the debtor's employer information concerning the existence of a debt before or after obtaining final judgment against the debtor except as permitted by statute;   [PL 1973, c. 762, §1 (NEW).]E. Disclose or threaten to disclose to a person other than the debtor or his spouse information affecting the debtor's reputation, whether or not for credit worthiness, with knowledge or reason to know that the other person does not have a legitimate business need for the information, but this subsection does not prohibit the disclosure to another person of information permitted to be disclosed to him by statute;   [PL 1973, c. 762, §1 (NEW).]F. Disclose or threaten to disclose information concerning the existence of a debt known to be disputed by the debtor without disclosing that fact;   [PL 1973, c. 762, §1 (NEW).]G. Claim, or attempt or threaten to enforce a right that has been barred by statute or a final order of the Supreme Judicial Court or a court of the United States;   [PL 1973, c. 762, §1 (NEW).]H. Use a communication which simulates legal or judicial process or which gives the appearance of being authorized, issued or approved by a government, government agency, or attorney-at-law when it is not; or   [PL 1973, c. 762, §1 (NEW).]I. Engage in conduct in violation of a rule adopted and published by the administrator after like conduct has been restrained or enjoined by a final order of a court in a civil action by the administrator against any person pursuant to the provisions or injunctions against fraudulent or unconscionable agreements or conduct, section 6‑111.   [PL 1973, c. 762, §1 (NEW).][PL 1973, c. 762, §1 (NEW).] SECTION HISTORY PL 1973, c. 762, §1 (NEW).
9-A ME Rev Stat § 5-116-A (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 5: REMEDIES AND PENALTIES|Part 1: LIMITATIONS ON CREDITORS' REMEDIES|9-A §5-116-A. Debts owed to health care providers

 §5-116-A. Debts owed to health care providers 1.  Definition of "health care provider."  For purposes of this section, "health care provider" means a physician, health care practitioner, hospital, clinic, clinical laboratory, health care facility or other person or facility that provides health care services and is licensed or registered by the State.   [PL 2009, c. 526, §1 (NEW).] 2.  Agreement by or on behalf of health care provider.  An agreement by a health care provider, or by a debt collector on behalf of a health care provider, to accept partial payments over time without assessment of interest from a consumer on a debt for health care services is not a consumer credit transaction as defined by section 1‑301, subsection 12.   [PL 2009, c. 526, §1 (NEW).] 3.  Disclosure of available payment arrangements.  A health care provider shall notify a consumer of the availability of any payment arrangements offered by the health care provider to satisfy a debt for health care services.   [PL 2009, c. 526, §1 (NEW).] 4.  Rehabilitation of defaulted medical debt.  A payment arrangement offered by a health care provider must provide a consumer the opportunity to reasonably rehabilitate, cure or remedy a defaulted status of a debt for health care services under terms and conditions established by the health care provider, including, but not limited to, making payment in full or making 6 consecutive monthly payments in a timely manner.   [PL 2009, c. 526, §1 (NEW).] SECTION HISTORY PL 2009, c. 526, §1 (NEW).
9-A ME Rev Stat § 5-117 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 5: REMEDIES AND PENALTIES|Part 1: LIMITATIONS ON CREDITORS' REMEDIES|9-A §5-117. Prohibited practices

 §5-117. Prohibited practices A seller may not:   [PL 1991, c. 524, §1 (NEW).]1.  Misrepresentations.  Misrepresent any material fact relating to the terms or conditions of sale;   [PL 1991, c. 524, §1 (NEW).] 2.  False impressions.  Create an impression that is false or the seller does not believe to be true; and   [PL 1991, c. 524, §1 (NEW).] 3.  False promises.  Promise performance that the seller does not intend to perform or knows will not be performed.   [PL 1991, c. 524, §1 (NEW).] SECTION HISTORY PL 1991, c. 524, §1 (NEW).
9-A ME Rev Stat § 5-202 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 5: REMEDIES AND PENALTIES|Part 2: CONSUMERS' REMEDIES|9-A §5-202. Refunds and penalties as set-off to obligation

 §5-202. Refunds and penalties as set-off to obligation Refunds or penalties to which the consumer is entitled pursuant to this Part may be set off against the consumer's obligation, and may be raised as a defense to a suit on the obligation without regard to the time limitations prescribed by this Part.   [PL 1973, c. 762, §1 (NEW).]SECTION HISTORY PL 1973, c. 762, §1 (NEW).
9-A ME Rev Stat § 5-301 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 5: REMEDIES AND PENALTIES|Part 3: CRIMINAL PENALTIES|9-A §5-301. Violations

 §5-301. Violations Any creditor, any officer or employee of a creditor, or any other person who wilfully and knowingly violates any of the provisions of this Act, or directly or indirectly counsels, aids or abets such violation, shall be punished by a fine of not more than $2,500 for each offense, or by imprisonment for not more than 6 months, or by both.   [PL 1973, c. 762, §1 (NEW).]SECTION HISTORY PL 1973, c. 762, §1 (NEW).
9-A ME Rev Stat § 6-101 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 6: ADMINISTRATION|Part 1: POWERS AND FUNCTIONS OF ADMINISTRATOR|9-A §6-101. Short title

 §6-101. Short title This Article shall be known and may be cited as the "Maine Consumer Credit Code -- Administration."   [PL 1973, c. 762, §1 (NEW).]SECTION HISTORY PL 1973, c. 762, §1 (NEW).
9-A ME Rev Stat § 6-102 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 6: ADMINISTRATION|Part 1: POWERS AND FUNCTIONS OF ADMINISTRATOR|9-A §6-102. Applicability

 §6-102. Applicability This Part applies to persons who in this State:   [PL 1973, c. 762, §1 (NEW).]1.  Make or solicit consumer credit transactions; or   [PL 1973, c. 762, §1 (NEW).] 2.  Directly collect payments from or enforce rights against consumers arising from consumer credit transactions, wherever they are made.   [PL 1973, c. 762, §1 (NEW).] SECTION HISTORY PL 1973, c. 762, §1 (NEW).