reglab/housing_qa huggingface dataset:
AZ Rev Stat § 6-1213 (2021)
2021 Arizona Revised Statutes|Title 6 - Banks and Financial Institutions|§ 6-1213 - Records

6-1213.  Records A. Each licensee shall keep and use its business books,  accounts and records in accordance with generally accepted accounting principles that will enable the deputy director to determine whether that licensee is complying with this chapter. Each licensee and authorized delegate shall preserve its records for at least five years after making the final entry on any transaction. Each authorized delegate shall keep records as required by the deputy director. B. For each authorized delegate,  the licensee shall maintain records that demonstrate that the licensee conducted a reasonable background investigation of each authorized delegate. A licensee shall preserve those records for at least five years after the authorized delegate's most recent designation by the licensee. For an authorized delegate designated after November 1,  1991,  the records shall be available at all times,  and for an authorized delegate designated on or before November 1,  1991,  the records shall be available at all times after November 1,  1992. C. The records of the licensee regarding the business regulated under this chapter shall be maintained at its principal place of business or,  with notice to the deputy director,  at another location designated by the licensee. If the records are maintained outside this state,  the deputy director may require that the licensee make those records available to the deputy director at the deputy director's,  office not more than five business days after demand. The deputy director may further require that those records be accompanied by an individual who is available to answer questions regarding those records and the business regulated under this chapter. The deputy director may require the appearance of a specific individual or may request the licensee to designate an individual knowledgeable with regard to the records and the business. The individual appearing with the records shall be available to the deputy director for up to three business days. D. On-site examinations of records prescribed by this chapter may be conducted in conjunction with representatives of other state agencies or agencies of another state or of the federal government as determined by the deputy director. In lieu of an on-site examination,  the deputy director may accept the examination report of an agency of this state,  of another state or of the federal government or a report prepared by an independent licensed certified public accountant. Joint examination or acceptance of an examination report shall not be deemed a waiver of examination assessments provided by law,  and joint reports and reports accepted under this subsection are considered an official report of the department for all purposes. Information obtained by examinations prescribed by this article shall be disclosed only as provided in section 6-129.
AZ Rev Stat § 6-1214 (2021)
2021 Arizona Revised Statutes|Title 6 - Banks and Financial Institutions|§ 6-1214 - Liability of licensees

6-1214.  Liability of licensees Each licensee is liable for the payment of all moneys covered by payment instruments that it sells or issues in any form in this state whether directly or through an authorized delegate and whether as a maker or drawer or as money received for obligors or for transmission by any means whether or not that instrument is a negotiable instrument under the laws of this state.
AZ Rev Stat § 6-1215 (2021)
2021 Arizona Revised Statutes|Title 6 - Banks and Financial Institutions|§ 6-1215 - Notice of source of instrument; transaction records

6-1215.  Notice of source of instrument;  transaction records A. Every payment instrument sold by a licensee directly or through an authorized delegate shall bear the name of the licensee and a unique consecutive number clearly stamped or imprinted on it. B. For every transaction involving the receipt of money from a customer,  the licensee or authorized delegate who receives the money shall maintain written records of the transaction. The records may be reduced to computer or other electronic medium. The records collectively shall contain the name of the licensee,  the street address of the location where the money was received,  the name and street address of the customer if reported to the licensee or authorized delegate,  the approximate date of the transaction,  the name or other information from which,  together with other contemporaneous records,  the deputy director can determine the identity of those employees of the licensee or authorized delegate who may have conducted the transaction and the amount of the transaction. The information required by this section shall be available through the licensee or authorized delegate who received the money for at least five years after the date of the transaction.
AZ Rev Stat § 6-1217 (2021)
2021 Arizona Revised Statutes|Title 6 - Banks and Financial Institutions|§ 6-1217 - Appointment of deputy director as agent for service of process; forwarding of process; consent to jurisdiction

6-1217.  Appointment of deputy director as agent for service of process;  forwarding of process;  consent to jurisdiction A. A licensee,  an authorized delegate or a person who knowingly engages in business activities that are regulated under this chapter with or without filing an application is deemed to have done both of the following: 1. Consented to the jurisdiction of the courts of this state for all actions arising under this chapter. 2. Appointed the deputy director as the licensee's,  authorized delegate's or person's lawful agent for the purpose of accepting service of process in any action,  suit or proceeding that may arise under this chapter. B. Within three business days after service of process on the deputy director,  the deputy director shall transmit by certified mail copies of all lawful process accepted by the deputy director as an agent to that person at its last known address. Service of process shall be considered complete three business days after the deputy director deposits the copies of the documents in the United States mail.
AZ Rev Stat § 6-1218 (2021)
2021 Arizona Revised Statutes|Title 6 - Banks and Financial Institutions|§ 6-1218 - Prohibited transactions

6-1218.  Prohibited transactions A person shall not engage in conduct requiring a license under this chapter as an authorized delegate of a principal if that principal is not licensed under this chapter. A person who does so shall be deemed to be the principal seller,  issuer or actor,  and not merely an authorized delegate,  and is liable to the holder,  remitter or customer as the principal.
AZ Rev Stat § 6-1242 (2021)
2021 Arizona Revised Statutes|Title 6 - Banks and Financial Institutions|§ 6-1242 - Investigations

6-1242.  Investigations A. The attorney general may conduct investigations within or outside this state to determine if a licensee,  authorized delegate,  money transmitter,  financial institution or person engaged in a trade or business has failed to file a report required by this article or has engaged or is engaging in an act,  practice or transaction that constitutes a money laundering violation as provided in section 13-2317. B. On request of the attorney general,  all licensees,  authorized delegates,  money transmitters and financial institutions shall make their books and records available to the attorney general during normal business hours for inspection and examination in connection with an investigation pursuant to this section.
AZ Rev Stat § 6-1301 (2021)
2021 Arizona Revised Statutes|Title 6 - Banks and Financial Institutions|§ 6-1301 - Definitions

6-1301.  Definitions In this chapter,  unless the context otherwise requires: 1. " Advance fee"  means a fee,  interest or other consideration directly or indirectly received by a person prior to a loan of money or extension of credit or a commitment to loan money or extend credit being made by the person. Advance fees do not include the actual cost of charges paid to a third party which are incurred in making real estate loans secured in whole or in part by a mortgage deed of trust or other security instrument on real estate,  including charges for a preliminary title search,  title examination and report,  title insurance premiums,  property survey and appraisal fees. 2. " Advance fee loan broker"  means a person who is not exempt under section 6-1302 and who for an advance fee or in the expectation of an advance fee either directly or indirectly makes or procures,  attempts to make or procure or offers to make or procure or attempt to make or procure a loan of money or extension of credit.
AZ Rev Stat § 6-1302 (2021)
2021 Arizona Revised Statutes|Title 6 - Banks and Financial Institutions|§ 6-1302 - Scope of chapter; exemptions

6-1302.  Scope of chapter;  exemptions A. Any person who acts as an advance fee loan broker shall register with the deputy director as provided in this chapter. A person who is not exempt under subsection B of this section and who advertises for,  solicits or purports to be willing to make or procure a loan or extension of credit for an advance fee is presumed to be engaged in the business of an advance fee loan broker.  B. This chapter does not apply to: 1. Individuals not regularly engaged in the business of making or procuring loans or extensions of credit for an advance fee. 2. A person doing business as allowed by any law of any state or of the United States relating to banks,  savings banks,  trust companies,  savings and loan associations,  credit unions,  insurance companies,  consumer lenders or profit sharing and pension trusts. 3. A person licensed as a mortgage broker,  a mortgage banker or a commercial mortgage banker pursuant to chapter 9 of this title. 4. A person who makes a loan with the person's own money or for the person's own investment. 5. A person licensed as a real estate broker or salesperson pursuant to title 32,  chapter 20,  article 2. 6. A person who is licensed to practice law in this state but who is not actively and principally engaged in the business of making or procuring loans or extensions of credit,  if this person renders services in the course of the person's practice as an attorney. 7. An institutional investor as defined in section 6-971 unless the institutional investor advertises for,  solicits or holds himself out as willing to make or procure for an advance fee a loan or extension of credit other than a commercial mortgage loan as defined in section 6-971. 8. This state including any political subdivision of this state. 9. The United States or any department or agency of the United States.
AZ Rev Stat § 6-1303 (2021)
2021 Arizona Revised Statutes|Title 6 - Banks and Financial Institutions|§ 6-1303 - Application for registration

6-1303.  Application for registration A. Application for registration as an advance fee loan broker may be made by any person. An application for registration shall be signed by the applicant and duly verified by oath. The application shall be filed with the deputy director and shall contain such information as the deputy director prescribes by rule and deems necessary in determining whether the applicant is entitled to engage in the advance fee loan broker business. B. The deputy director shall rule on an application within sixty days following the date the application is filed with the deputy director.
AZ Rev Stat § 6-1305 (2021)
2021 Arizona Revised Statutes|Title 6 - Banks and Financial Institutions|§ 6-1305 - Registration; renewal; reporting requirements

6-1305.  Registration;  renewal;  reporting requirements A. The deputy director shall register the applicant as an advance fee loan broker when an applicant has fully complied with this chapter and the rules prescribed by the deputy director. B. The deputy director shall immediately notify the applicant by mail on registering the applicant as an advance fee loan broker. C. A registered advance fee loan broker shall apply for renewal as prescribed by the deputy director not later than June 30 of each year. A registration for which a renewal application is not received by the deputy director by June 30 is suspended and the registered advance fee loan broker may not act as an advance fee loan broker until the registration is renewed or a new registration is issued pursuant to this article. The registration of an advance fee loan broker that has not filed a renewal application and paid the renewal fee by July 31 expires. A registration may not be granted to the holder of an expired registration except as provided in this article for the issuance of an original registration.  D. An advance fee loan broker may annually renew the broker's registration by filing a supplemental statement showing any changes in the facts set forth in the original application for registration or any previously filed supplemental statement made at the time of annual renewal. E. An advance fee loan broker shall file a supplemental statement showing any changes in the facts set forth in the original application or in any supplemental statement made at the time of annual renewal within thirty days after a change in any material fact.
AZ Rev Stat § 6-1306 (2021)
2021 Arizona Revised Statutes|Title 6 - Banks and Financial Institutions|§ 6-1306 - Register of advance fee loan brokers

6-1306.  Register of advance fee loan brokers The names and addresses of all persons who have been registered as advance fee loan brokers shall be recorded in a register of advance fee loan brokers in the office of the deputy director.
AZ Rev Stat § 6-1307 (2021)
2021 Arizona Revised Statutes|Title 6 - Banks and Financial Institutions|§ 6-1307 - Records

6-1307.  Records Advance fee loan brokers shall maintain books,  records and accounts in connection with transactions involving the receipt and disbursement of funds received by the advance fee loan broker. The books,  records and accounts shall be maintained in accordance with generally accepted accounting practices and shall be subject to inspection at all times by authorized representatives of the deputy director.
AZ Rev Stat § 6-1308 (2021)
2021 Arizona Revised Statutes|Title 6 - Banks and Financial Institutions|§ 6-1308 - Denial, revocation or suspension of registration

6-1308.  Denial,  revocation or suspension of registration A. The deputy director may deny,  revoke or suspend the registration of an advance fee loan broker if the deputy director finds that: 1. The application for registration,  any supplemental statement or any other document filed with the deputy director is incomplete,  inaccurate or misleading. 2. The advance fee loan broker is insolvent or is in an unsound financial condition. 3. The advance fee loan broker has violated this chapter or any rule or order of the deputy director. 4. The advance fee loan broker has refused to allow an examination of the books,  records and accounts in connection with transactions involving the receipt and disbursement of funds received by the advance fee loan broker. 5. The advance fee loan broker has failed to pay the original application fee or any supplemental statement fees as required by this chapter. B. It is sufficient cause for denial,  revocation or suspension of registration of an advance fee loan broker as provided in this section,  if the advance fee loan broker is a partnership,  corporation,  unincorporated association or trust,  that a member of the partnership,  an officer or a director of the corporation or unincorporated association or the trustee or other fiduciary of the trust or a person controlling,  controlled by or under common control with the broker has been guilty of any act or omission that would be sufficient grounds for denying,  revoking or suspending the registration of an individual broker.
AZ Rev Stat § 6-1309 (2021)
2021 Arizona Revised Statutes|Title 6 - Banks and Financial Institutions|§ 6-1309 - Prohibited acts

6-1309.  Prohibited acts A. An advance fee loan broker shall not advertise,  display,  distribute,  broadcast or televise or cause or permit to be advertised,  displayed,  distributed,  broadcast or televised any false,  misleading or deceptive statement or representation with regard to the rates,  terms or conditions for loans or the likelihood of the loan or extension of credit being granted. B. An advance fee loan broker shall not take any note,  promise to pay or instrument of security that does not disclose the amount of the loan,  a schedule of payment or description of the payment schedule and the agreed rate of charge or any instruments in which blanks are left to be filled in after the loan is made. C. An advance fee loan broker shall not make a false promise or misrepresentation or conceal an essential or material fact in the course of the advance fee loan broker business. D. An advance fee loan broker shall not engage in illegal business practices. E. An advance fee loan broker may not pay any fees,  commissions or bonuses or a gift of anything of value to any merchant,  dealer,  borrower,  or other person for the purpose of attracting applications for loans or as consideration for referring loan business. F. A person is not entitled to receive any advance fees in connection with arranging for or negotiating a loan if such person is not registered pursuant to this chapter or is exempt under section 6-1302.
AZ Rev Stat § 6-1310 (2021)
2021 Arizona Revised Statutes|Title 6 - Banks and Financial Institutions|§ 6-1310 - Noncompliance not to affect validity of loan

6-1310.  Noncompliance not to affect validity of loan Failure to comply with the provisions of this chapter does not affect the validity or enforceability of any loan or extension of credit.
AZ Rev Stat § 6-1401 (2021)
2021 Arizona Revised Statutes|Title 6 - Banks and Financial Institutions|§ 6-1401 - Definitions

6-1401.  Definitions In this chapter,  unless the context otherwise requires: 1. " Branch office"  means any place of business maintained by a licensee in addition to the principal place of business of a licensee. 2. " Insured"  means any person covered under an insurance contract or other evidence of insurance coverage subject to regulation under title 20. 3. " Insurer"  has the same meaning as defined by section 20-104. 4. " Managing general agent"  has the same meaning prescribed in section 20-311. 5. " Premium finance agreement"  means a written agreement by which an insured or prospective insured agrees to pay to a premium finance company the amount advanced or to be advanced under the written agreement to an insurance producer in payment of premiums of an insurance contract together with interest or discount and a service charge as authorized and limited by this article. 6. " Premium finance company"  means a person engaged in whole or in part in the business of financing insurance premiums,  entering into premium finance agreements with insureds or otherwise acquiring premium finance agreements from insurance producers or other premium finance companies.
AZ Rev Stat § 6-1402 (2021)
2021 Arizona Revised Statutes|Title 6 - Banks and Financial Institutions|§ 6-1402 - Licensure required; contents of application; fees; nontransferable; branch office permit

6-1402.  Licensure required;  contents of application;  fees;  nontransferable;  branch office permit A. A person shall not engage in the business of a premium finance company in this state without first being licensed as a premium finance company by the deputy director. A person who is not exempt under section 6-1403 and who advertises for,  solicits or holds himself out as willing to finance premiums or enter into or acquire premium finance agreements is presumed to be engaged in the business as a premium finance company. B. A licensee shall not establish a branch office without first obtaining a branch office permit from the deputy director.  C. An application for a license or branch office permit shall be made in writing,  under oath,  and in the form prescribed by the deputy director. The deputy director may require as part of an application such other information as the deputy director deems necessary. D. An applicant at the time of filing an application for a license or branch office permit shall pay to the deputy director the fee prescribed in section 6-126. E. Prior to December 31 of each year,  each licensee may obtain a renewal of a license or branch office permit by payment of the fee prescribed in section 6-126. F. A premium finance company license or branch office permit is not transferable or assignable,  and control shall not be acquired through stock purchase or other device without the prior written consent of the deputy director. The deputy director may refuse consent if the deputy director finds that any of the grounds for denial,  revocation or suspension of a license prescribed by section 6-1404 are applicable to the acquiring person. For purposes of this subsection,  " control"  means the power to vote more than twenty percent of outstanding voting shares of a licensed corporation,  limited liability company,  partnership,  association or trust.
AZ Rev Stat § 6-1403 (2021)
2021 Arizona Revised Statutes|Title 6 - Banks and Financial Institutions|§ 6-1403 - Exemptions

6-1403.  Exemptions A. The licensing requirements of this article do not apply to: 1. Any savings and loan association,  bank,  savings bank,  trust company,  consumer lender or credit union authorized to do business in this state. 2. Any agent or broker who is licensed by the department and who allows an insured to pay premiums on policies written by the agent or broker in installments if the agent or broker receives no interest or other fee,  except that an agent or broker may collect a service charge of not more than five percent of the total premium amount and a delinquency charge as provided in section 6-1413. 3. Any person who purchases or otherwise acquires premium finance agreements from a licensee if the licensee retains the right to service the agreements and to collect payments due under the agreements and remains responsible for the premium finance agreement being handled in compliance with this article. 4. Any insurer authorized to transact insurance in this state in connection with the issuance of premium finance agreements relating to commercial insurance policies issued by the insurer. B. The exemption from licensing as provided in subsection A of this section does not authorize the financing of insurance premiums without compliance with the other requirements of this article.
AZ Rev Stat § 6-1405 (2021)
2021 Arizona Revised Statutes|Title 6 - Banks and Financial Institutions|§ 6-1405 - Issuance of license or branch office permit; license year; requirements

6-1405.  Issuance of license or branch office permit;  license year;  requirements A. If no grounds for denial of a license or branch office permit are found to exist,  the deputy director shall,  within one hundred twenty days of receiving a complete application,  grant the application and issue a license or branch office permit to the applicant. B. The license or branch office permit year for a licensee begins January 1 and ends December 31 of each year. C. All licenses and branch office permits issued shall remain in full force and effect until surrendered,  revoked or suspended. D. A license or branch office permit remains the property of this state. On termination at the request of the licensee or revocation by the deputy director,  the licensee shall immediately deliver the license or branch office permit to the deputy director.