reglab/housing_qa huggingface dataset:
HI Rev Stat § 476-20 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|476. Credit Sales|476-20 Referral sales.

  §476-20 Referral sales. Any sale of goods, services, or both, subject to this chapter, in which part of the inducement offered by the seller is a rebate, discount, commission, or other consideration exceeding forty per cent of the total sale price to be given the buyer when the buyer either sells, or gives information leading to a sale by the seller, of the same or related goods, services, or both, whether the inducement was written or oral, may be canceled by the buyer within fifteen business days after the date the contract is signed by the parties.  Upon cancellation the buyer shall have the right to receive immediate refund of all payments made and redelivery of all goods traded in to the seller on account of or in contemplation of the contract.  When the seller or holder has returned all money or property given by the buyer in the transaction, the buyer shall tender the goods to the seller or, where the latter would be impracticable or inequitable or the seller has performed services for the buyer, the buyer shall tender to the seller the reasonable value of the goods or services. At the buyer's option, tender of goods may be made at the location of the goods or at the buyer's residence. Tender of money shall be made at the designated place of business of the seller or holder. If the seller or holder does not take possession of the money or property within twenty calendar days after the buyer's tender, the buyer may keep it without further obligation.  In the alternative, if the buyer does not exercise the right to cancel a referral sale, the buyer shall have with respect thereto the remedies provided in section 476-21. [L 1984, c 86, pt of §1]
HI Rev Stat § 476-21 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|476. Credit Sales|476-21 Failure to comply; remedy of buyer; penalty.

  §476-21 Failure to comply; remedy of buyer; penalty. In case of failure of the seller or holder to comply with the requirements of sections 476-3, 476-5 to 476-9, 476-11, 476-13, 476-19, 476-20 (if the buyer does not exercise the right to cancel the contract), 476-22 to 476-24, and 476-28 the buyer has the right to recover from the seller or holder, as the case may be, an amount equal to the finance charge or ten per cent of the cash price if no finance charge is specified in the contract or supplementary statement, and the seller is barred from recovery of any finance charge, late, or collection charge or refinancing charge on the credit sale contract involved.  Notwithstanding this section, the failure to comply with any provisions of this chapter may be corrected by the seller at any time after the execution of the credit sale contract, and before the institution of an action under this chapter or the seller is notified thereof in writing by the buyer, and if so corrected, neither the seller nor the holder is subject to any penalty under this or any other section of this chapter.  A seller or assignee may not be held liable in any action brought under this section if the seller or assignee shows by a preponderance of evidence that the failure to comply was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error.  In any successful action under this section the buyer shall be entitled to the costs of the action, together with a reasonable attorney's fee as determined by court. [L 1961, c 102, pt of §1; Supp, §201A-18; HRS §476-19; am and ren L 1984, c 86, pt of §1] Case Notes  Abuse of discretion in awarding fees. 4 H. App. 57, 659 P.2d 752.  Attorneys' fees not limited by §607-14. 4 H. App. 57, 659 P.2d 752.
HI Rev Stat § 476-22 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|476. Credit Sales|476-22 Cancellation of contract.

  §476-22 Cancellation of contract. After the payment of all sums for which the buyer is obligated under a credit sale contract, the holder of the contract shall mail to the buyer at the buyer's last known address, good and sufficient instruments to indicate payment in full and to release all security for the contract, and canceled negotiable instruments, if any, evidencing the indebtedness. [L 1961, c 102, pt of §1; Supp, §201A-19; HRS §476-20; am and ren L 1984, c 86, pt of §1; gen ch 1985]
HI Rev Stat § 476-23 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|476. Credit Sales|476-23 Credit upon anticipation of payments.

  §476-23 Credit upon anticipation of payments. Notwithstanding any provisions of a credit sale contract to the contrary, a buyer, upon five days' prior notice to the holder, may satisfy in full at any time before maturity the debt of the contract and in so satisfying the debt shall receive a refund credit thereon for such anticipation of payments, if the finance charge has been paid in advance. The amount of the refund shall represent at least as great a proportion of the total finance charge, less an acquisition cost of $10, as the sum of the periodical time balances, after the day of prepayment, bears to the sum of all the periodical time balances under the schedule of payments in the contract. When the amount of the credit for anticipation of payments is less than $1, no refund need be made. [L 1961, c 102, pt of §1; Supp, §201A-20; HRS §476-21; am and ren L 1984, c 86, pt of §1]
HI Rev Stat § 476-24 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|476. Credit Sales|476-24 Additions to and consolidations of credit sale contracts.

  §476-24 Additions to and consolidations of credit sale contracts. Where a buyer makes any subsequent purchases of goods from a seller from whom the buyer has previously purchased goods under one or more credit sale contracts which provide for the extension of closed-end credit, and the amounts under the contract or contracts have not been fully paid, the previous purchases may be included in and consolidated with one or more of the subsequent contract or contracts, or the subsequent purchases may be included in and consolidated with one or more of the prior contract or contracts in which case a memorandum of such additional purchases shall be prepared by the seller and inserted in or attached to the seller's counterpart of the contract. The memorandum shall set forth:  (1) A description of the additional goods so purchased;  (2) The consolidated total indebtedness of the buyer;  (3) The finance charge which shall include any unearned portion of the old finance charge that is not credited to the prior contract or contracts;  (4) The annual percentage rate; and  (5) The revised installment payments.  A copy of the memorandum shall be furnished to the buyer prior to the due date of the first installment following the subsequent purchase.  Every memorandum which complies with the disclosure requirements of the federal Truth in Lending Act as of the date upon which the contract is executed shall be deemed to comply with the disclosure provisions of this section.  When such subsequent purchase is made, the entire amount of all payments made previous to the subsequent purchase shall be applied toward the payment of the previous purchase or purchases and each payment thereafter received shall be first applied to the payment of purchases first made. To the extent purchases are paid for according to this section, security interests in the goods which are the subject matter of the credit sale shall terminate as the payment with respect to each purchase is made.  Unless otherwise expressly stated in the contract, payments received by the seller upon a revolving charge account shall be applied first to the payment of finance charges, then to late charges, costs of action, and attorney's fees in the order of their entry to the account, and then to the payment of purchases in the order in which the entries to the account showing the purchases were made. [L 1961, c 102, pt of §1; Supp, §201A-28; am L 1967, c 285, §7; HRS §476-29; am L 1970, c 54, §1; am and ren L 1984, c 86, pt of §1] Revision Note  In third paragraph, "this section" substituted for "section 476-24".  In fourth paragraph, "credit" substituted for "retail installment".
HI Rev Stat § 476-25 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|476. Credit Sales|476-25 Prohibition of removal or sale without notice.

  §476-25 Prohibition of removal or sale without notice. Unless the contract otherwise provides, the buyer may, without the consent of the seller, remove the goods from the island in which the goods are first kept for use by the buyer after the sale and sell, mortgage, or otherwise dispose of the buyer's interest in the goods; but prior to full compliance by the buyer with the terms of the contract, the buyer shall not remove the goods from the island except for temporary use for a period of not more than thirty days unless the buyer not less than ten days before the removal gives the seller written notice, either personally or by registered or certified mail, of the place to which the goods are to be removed and the approximate time of the intended removal; and prior to full compliance by the buyer with the terms of the contract the buyer shall not sell, mortgage, or otherwise dispose of the buyer's interest in the goods, unless the person to whom the buyer is about to sell, mortgage, or otherwise transfer the goods notifies the seller in writing, either personally or by registered or certified mail, of the name and address of the person to whom the buyer's interest in the goods is about to be sold, mortgaged, or otherwise transferred. [L 1961, c 102, pt of §1; Supp, §201A-29; HRS §476-30; am and ren L 1984, c 86, pt of §1]
HI Rev Stat § 476-26 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|476. Credit Sales|476-26 Removal; member of armed forces.

  §476-26 Removal; member of armed forces. Notwithstanding the provisions of section 476-25, a member of the armed forces of the United States on active duty who is a buyer of a motor vehicle under a contract, without the consent of the seller, may remove the motor vehicle from the island in which the motor vehicle was first kept for use by the buyer after sale if the buyer was a member of the armed forces of the United States on active duty at the time of execution of the contract and if such buyer has been reassigned to a different county, state, or country by competent government orders, unless the seller and buyer execute an agreement, separate and apart from the contract in respect of which it applies, stating that the motor vehicle may not be removed or stating the terms and conditions under which it may be removed. Notwithstanding the provisions of section 286-57, a member of the armed forces of the United States under contract with an out-of-state dealer or financial institution identified as the lien holder of record on a vehicle registration or vehicle title may remove said vehicle from the State without the consent of the seller. [L 1967, c 246, § §1, 2; HRS §476-31; am and ren L 1984, c 86, pt of §1; am L 2003, c 45, §1]
HI Rev Stat § 476-27 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|476. Credit Sales|476-27 Fraudulent injury, concealment, removal, or sale; penalty.

  §476-27 Fraudulent injury, concealment, removal, or sale; penalty. When, in violation of the terms of the contract the buyer, maliciously or with intent to defraud, injures, destroys, or conceals the goods, or, without the consent of the seller, maliciously or with intent to defraud, removes the goods from the island in which the goods were first kept for use by the buyer after the sale, or to which with the consent of the seller the goods have been removed, or sells, mortgages, or otherwise disposes of the goods under claim of full ownership, the buyer shall be fined not more than $500 or imprisoned not more than one year, or both. [L 1961, c 102, pt of §1; Supp, §201A-30; HRS §476-32; am and ren L 1984, c 86, pt of §1]
HI Rev Stat § 476-28 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|476. Credit Sales|476-28 Regulation of finance charges.

  §476-28 Regulation of finance charges. It shall be unlawful, directly or indirectly, to charge, contract for, collect, or receive any finance charge, on a credit sale contract except as is provided by this section.  (1) If the finance charge is stated as a dollar amount and is added on or deducted in advance, and the buyer promises to pay a fixed total of payments, the finance charge shall not exceed the amount of interest or discount which could lawfully be added on or deducted in advance by a financial services loan company under article 9 of chapter 412 on a loan to run for the same period as the credit sale contract, where the actual cash received by the borrower would be equal in amount to the principal balance of the credit sale contract, provided that a minimum finance charge of not more than $10 shall be allowable in a credit sale when the finance charge is stated in a dollar amount. Upon maturity of a contract, the rate of finance charge on the unpaid principal balance of the contract shall be eighteen per cent a year, unless a lesser rate for after maturity finance charge is specified in the contract.  (2) As an alternative to the finance charge authorized by paragraph (1), a seller may contract for and receive a finance charge at a rate not exceeding twenty-four per cent a year on the principal balance remaining unpaid from time to time under the contract, whether or not the rate of the finance charge under the contract is fixed or variable. Upon maturity of a contract, the rate of finance charge on the unpaid principal balance of the contract may be twelve per cent a year, the original contract rate of finance charge or, in the case of any extension or deferral, the rate of finance charge permitted by this chapter on the amount extended or deferred, whichever is greatest. [L 1961, c 102, pt of §1; Supp, §201A-31; HRS §476-33; am L 1979, c 212, §1; am and ren L 1984, c 86, pt of §1; am L 1989, c 266, §3; am L 1993, c 350, §23]
HI Rev Stat § 476-29 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|476. Credit Sales|476-29 Advertising in connection with credit sales.

  §476-29 Advertising in connection with credit sales. (a) Any person who advertises by television, radio, telephone, newspaper, magazine, other printed material, or in any other way, for the credit sale of goods or services primarily for person, family, or household purposes under an open-end credit plan and who in such advertising recites any of the terms required by section 476-4(a) to be disclosed in the same advertisement shall recite:  (1) Any minimum, fixed, transaction, activity, or similar charge that could be imposed;  (2) The annual percentage rate, and if the plan provides for a variable periodic rate, that fact; and  (3) Any membership or participation fee that will be imposed.  (b) Any person who advertises by television, radio, telephone, newspaper, magazine, other printed material, or in any other way, for the credit sale of goods or services primarily for personal, family, or household purposes, under a contract providing for the extension of closed-end credit, and who in that advertising recites the amount or percentage of any down payment, the number of payments, the period of payment, the amount of any payment, or the amount of any finance charge, shall in the same advertisement recite:  (1) The amount or percentage of the down payment;  (2) The terms of repayment; and  (3) The annual percentage rate and, if the rate may be increased after the buyer becomes contractually obligated on the contract, that fact.  (c) Every advertisement which complies with the requirement of the federal Truth in Lending Act as of the date upon which the advertisement is published shall be deemed to comply with the disclosure provisions of this section.  (d) This section shall not apply to catalog offers to sell which conform to the requirements of section 476-11. [L 1967, c 43, §2; HRS §476-35; am and ren L 1984, c 86, pt of §1; am L 1987, c 61, §1]
HI Rev Stat § 476-31 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|476. Credit Sales|476-31 Attorney general, director of the office of consumer protection, or prosecutor to enforce chapter.

  §476-31 Attorney general, director of the office of consumer protection, or prosecutor to enforce chapter. The attorney general, the director of the office of consumer protection, or the prosecuting attorney may bring an action in the name of the State against any person to restrain and prevent any violation of this chapter. [L 1967, c 285, §10; HRS §476-37; am L 1976, c 32, §4; am and ren L 1984, c 86, pt of §1]
HI Rev Stat § 476-32 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|476. Credit Sales|476-32 Short title.

  §476-32 Short title. This chapter may be cited as "The Credit Sales Act". [L 1961, c 102, pt of §1; Supp, §201A-33; HRS §476-38; am and ren L 1984, c 86, pt of §1]
HI Rev Stat § 477E-1 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|477E. Fair Credit Extension|477E-1 Short title.

  §477E-1 Short title. This chapter may be cited as the Hawaii Fair Credit Extension Act of 1975. [L 1975, c 109, pt of §1]
HI Rev Stat § 477E-2 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|477E. Fair Credit Extension|477E-2 Definitions.

  §477E-2 Definitions. As used in this chapter:  "Applicant" means any person who initially applies to a creditor directly for a loan or credit, or who directly applies to a creditor for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit.  "Credit" means the loan of money, or the right granted by a creditor to a debtor to defer payment of debt, or to incur debts and defer payment therefor, or to purchase property or services and defer payment therefor.  "Creditor" means any bank; savings and loan association; trust company; financial services loan company; credit union; mortgage loan originator; mortgage loan originator company; pawnbroker; mutual benefit society or fraternal benefit society; debt adjuster; the issuer of a credit card as defined in section 708-800; any person who initiates, extends, renews, or continues loans of money or credit; any person who regularly arranges for the initiation, extension, renewal, or continuation of a loan of money or credit; or any assignee of an original creditor who participates in the decision to grant, extend, renew, or to continue a loan of money or credit.  "Person" means a natural person, a corporation, government or governmental subdivision or agency, a trust, estate, partnership, cooperative, or association. [L 1975, c 109, pt of §1; am L 1987, c 283, §39; am L 1989, c 266, §3; am L 2008, c 19, §3; am L Sp 2009, c 32, §6; am L 2010, c 84, §25]
HI Rev Stat § 477E-3 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|477E. Fair Credit Extension|477E-3 Prohibited credit discrimination.

  §477E-3 Prohibited credit discrimination. (a) It shall be unlawful for any creditor to discriminate against any applicant on the basis of marital status with respect to any aspect of a credit transaction.  (b) An inquiry of marital status shall not constitute discrimination for the purposes of this chapter if such inquiry is for the purpose of ascertaining the creditor's rights and remedies applicable to the particular extension of credit, and not to discriminate in a determination of creditworthiness.  (c) A request for the signature of both parties to a marriage for the purpose of creating a valid lien, passing clear title, waiving inchoate rights to, or assigning the earnings and profits, in any transaction involving real property shall not be construed to be discrimination under this part; provided that this provision shall not be construed to permit a creditor to take marital status into account in connection with the evaluation of creditworthiness of any applicant.  (d) Consideration or application of the real property laws directly or indirectly affecting creditworthiness shall not constitute discrimination for any purpose of this chapter.  (e) Whenever either party to a marriage contracts separately for credit or a loan, the contracting party shall be solely responsible for the debt so contracted.  (f) Whenever each party to a marriage separately and voluntarily applies for, and obtains, separate credit accounts or loans with the same creditor, those accounts or loans shall not be aggregated, or otherwise combined, for purposes of determining permissible finance charges, or permissible loan ceilings. [L 1975, c 109, pt of §1]
HI Rev Stat § 477E-4 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|477E. Fair Credit Extension|477E-4 Civil remedies.

  §477E-4 Civil remedies. (a) Any creditor who fails to comply with any requirement imposed under this chapter shall be liable to the aggrieved applicant in an amount equal to the sum of any actual damages sustained by such applicant.   (b) Any creditor who fails to comply with any requirement imposed under this chapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than $10,000, as determined by the court, in addition to any actual damages provided in subsection (a); provided that in pursuing the recovery allowed under this subsection, the applicant may proceed only in an individual capacity and not as a representative of a class.   (c) Whenever a creditor fails to comply with any requirement imposed under this chapter, an aggrieved applicant may institute a civil action for preventive relief, including an application for a permanent or temporary injunction, restraining order, or other action.   (d) In any successful action to enforce the foregoing liability or preventive action, the costs of the action, together with a reasonable attorney's fee, as determined by the court, shall be added to any damages awarded by the court under subsections (a), (b), and (c) of this section.   (e) Any action under this chapter shall be brought within one year from the last date of the occurrence of any violation, or within one year from the date on which the applicant learned, or should have learned, of the violation. [L 1975, c 109, pt of §1]
HI Rev Stat § 477E-5 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|477E. Fair Credit Extension|477E-5 Unfair or deceptive act or practice.

  §477E-5 Unfair or deceptive act or practice. Any creditor who violates or attempts to violate any provision of this chapter shall be deemed to have engaged in an unfair or deceptive act or practice in the conduct of trade or commerce within the meaning of section 480-2. [L 1975, c 109, pt of §1; am L 1996, c 59, §2; am L 2008, c 19, §4]
HI Rev Stat § 477E-6 (2021)
2021 Hawaii Revised Statutes|Title 26. Trade Regulation and Practice|477E. Fair Credit Extension|477E-6 Inconsistency with federal laws.

  §477E-6 Inconsistency with federal laws. No creditor shall be required to comply with any provisions of this chapter that are directly inconsistent with federal laws relating to discrimination in the advancement of credit. A provision of this chapter is not directly inconsistent with federal laws if it provides greater protection to an applicant. [L 1975, c 109, pt of §1]