reglab/housing_qa huggingface dataset:
OR Rev Stat § 646A.760 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.760 - Civil action for damages; attorney fees and costs; limitation on commencement of action.

(1) As used in this section, "equity seller" has the meaning given that term in ORS 646A.725. (2) In addition to any action by the Attorney General under ORS 646.607 or any other cause of action, an equity seller may bring an action for damages incurred by the equity seller resulting from a violation of ORS 646A.725 to 646A.750. (3) If a court finds that a defendant in an action under this section committed a violation of ORS 646A.725 to 646A.750 knowingly, in addition to any award of damages for other violations of ORS 646A.725 to 646A.750, the court shall award the equity seller three times the amount of the actual damages sustained by the equity seller as a result of the knowing violation. (4) The court may award an equity seller prevailing in an action under this section reasonable attorney fees, costs and expenses. If a court finds that an equity seller brought an action under this section in bad faith or solely for purposes of harassment, the court may award a prevailing defendant reasonable attorney fees. (5) An action under this section must be commenced within six years. [2008 c.19 §17]
OR Rev Stat § 646A.765 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.765 - Penalties.

Violation of a provision of ORS 646A.702 to 646A.720 or 646A.725 to 646A.750 is a Class A misdemeanor. [2008 c.19 §18; 2011 c.597 §260]
OR Rev Stat § 646A.770 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.770 - Definitions.

As used in ORS 646A.770 to 646A.787: (1) "Borrower" means an individual who enters into a finance agreement that is secured by a motor vehicle or who, in connection with purchasing or leasing a motor vehicle, incurs an obligation to pay money to a creditor under terms and conditions that are specified in a finance agreement. (2) "Creditor" means: (a) A person that: (A) Permits another person to defer or to pay in installments an amount due under a finance agreement that is secured by a motor vehicle; or (B) Otherwise extends credit to another person under a finance agreement that is entered into in connection with purchasing or leasing a motor vehicle; or (b) An assignee of a person described in paragraph (a) of this subsection. (3) "Evaluation period" means a period of at least 30 days after the date on which a borrower purchases a guaranteed asset protection waiver during which, if the borrower did not receive a benefit from the guaranteed asset protection waiver, the borrower may cancel the guaranteed asset protection waiver and receive a full refund of the purchase price. (4) "Finance agreement" means a contract or other agreement that is evidence of a borrower’s obligation to pay money to a creditor and that specifies the terms and conditions under which the borrower must repay the obligation. (5) "Guaranteed asset protection waiver" means a contractual provision of or an addendum to a finance agreement that is secured by a motor vehicle under the terms of which a creditor agrees to waive the creditor’s right to collect all or part of an amount due from a borrower under the terms of the finance agreement or to release a borrower from an obligation to pay the creditor an amount due under a finance agreement if the motor vehicle: (a) Suffers physical damage that is equivalent to a total loss; or (b) Is stolen and is not recovered. (6) "Insurer" means an insurer that is licensed, registered or otherwise authorized to transact insurance in this state. (7) "Motor vehicle" means a self-propelled or towed vehicle that is designed for personal or commercial use, such as an automobile, truck, motorcycle, recreational vehicle, all-terrain vehicle, snowmobile, camper, boat, personal watercraft or a trailer for a motorcycle, boat, camper or personal watercraft. (8) "Reimbursement insurance policy" means an insurance policy under the terms of which an insurer reimburses a creditor for an amount the creditor must waive under a guaranteed asset protection waiver. [2015 c.523 §1]
OR Rev Stat § 646A.773 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.773 - Applicability of Insurance Code; statement of costs; exemptions.

(1)(a) A guaranteed asset protection waiver is not insurance and is not subject to the provisions of the Insurance Code. A person, other than an insurer, that sells a guaranteed asset protection waiver in compliance with ORS 646A.770 to 646A.787 does not become subject to the Insurance Code by reason of the sale. (b) Notwithstanding any other provision of law, any cost for a guaranteed asset protection waiver into which a borrower enters, whether in compliance with the Truth in Lending Act, 15 U.S.C. 1601 et seq., and regulations promulgated under the Truth in Lending Act, or not, must be stated separately in the finance agreement and is not a finance charge or interest. (2) ORS 646A.770 to 646A.787 do not apply to: (a) An insurance policy that an insurer offers under the provisions of the Insurance Code; (b) A debt cancellation contract or debt suspension agreement offered in compliance with 12 C.F.R. 37.2 or 12 C.F.R. part 721, both as in effect on January 1, 2016; (c) A state bank, as defined in ORS 706.008, or a credit union, as defined in ORS 723.008; or (d)(A) An addendum to a finance agreement that is sold or assigned to a licensee, as defined in ORS 725.010, and that is secured by a motor vehicle, under the terms of which a creditor agrees to waive the creditor’s right to collect all or part of an amount due from a borrower under the terms of the finance agreement or to release the borrower from an obligation to pay the creditor an amount due under the finance agreement if the motor vehicle: (i) Suffers physical damage that is equivalent to a total loss; or (ii) Is stolen and not recovered. (B) The addendum to the finance agreement described in subparagraph (A) of this paragraph is not insurance and is not subject to the provisions of the Insurance Code. [2015 c.523 §2; 2017 c.451 §1; 2021 c.97 §71]
OR Rev Stat § 646A.776 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.776 - Required disclosures; cancellation provisions; effect on motor vehicle purchaser’s credit.

A person may not sell a guaranteed asset protection waiver in connection with a sale of a motor vehicle that is used for personal, family or household purposes unless, at the time of the sale: (1) The person discloses, in writing and in plain and easily understandable language: (a) The name, address and other contact information for: (A) The person that sells the guaranteed asset protection waiver; (B) The creditor, if different; and (C) Any other person that is a party to or has duties, responsibilities or other obligations under the terms of the guaranteed asset protection waiver. (b) The purchase price of the guaranteed asset protection waiver. (c) The terms and conditions of the guaranteed asset protection waiver, including but not limited to: (A) Conditions under which the creditor will waive or decline to waive all or a portion of the obligation that remains under a finance agreement; (B) The methodology for determining the amount the creditor will waive; and (C) The length of the evaluation period. (d) The identity, location and contact information for the person to which the borrower must submit a claim for benefits or a refund under the guaranteed asset protection waiver and the procedure the borrower must follow to submit the claim. (e) Conditions under which the borrower may cancel the guaranteed asset protection waiver and the procedure the borrower must follow to cancel, both during the evaluation period and after the evaluation period expires, if the terms of the guaranteed asset protection waiver permit cancellation after the evaluation period expires. (f) The formula or methodology that will apply to calculating the amount of any refund available under the terms and conditions of the guaranteed asset protection waiver if: (A) The borrower cancels the guaranteed asset protection waiver during the evaluation period or, if permitted under the terms and conditions of the guaranteed asset protection waiver, after the evaluation period expires; or (B) The finance agreement is terminated early. (2) The guaranteed asset protection waiver provides that the borrower may cancel the guaranteed asset protection waiver during the evaluation period for a full refund of the purchase price if the borrower did not receive any benefits. (3) The creditor states clearly, and the terms of the guaranteed asset protection waiver provide in writing, that purchasing a guaranteed asset protection waiver is not required in order to obtain credit or complete a purchase or lease of a motor vehicle and does not affect the terms and conditions of credit that a borrower obtains from a creditor. [2015 c.523 §3]
OR Rev Stat § 646A.779 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.779 - Determination of amount of waiver; waivers that are required and waivers that are not required.

(1) A guaranteed asset protection waiver must determine the amount that a creditor waives under the terms of the guaranteed asset protection waiver in accordance with the following methods: (a) If primary motor vehicle insurance or third party liability insurance covers the amount of a total loss of the motor vehicle, the creditor shall waive the difference between: (A) The primary insurer’s or the third party’s determination of the motor vehicle’s actual cash value as of the date of the total loss; and (B) The amount the borrower owes under the finance agreement. (b) If primary motor vehicle insurance or third party liability insurance does not cover a total loss of the motor vehicle, if an insurer that issued the primary motor vehicle insurance or the third party liability insurance is insolvent or if the primary motor vehicle insurance or third party liability insurance have stated values or limits that are less than the actual cash value of the insured motor vehicle, the creditor shall waive the difference between: (A) The value of the motor vehicle immediately before the loss or theft of the motor vehicle, as shown in a published and generally available regional or national guide to motor vehicle values or from the best available equivalent information, as specified in the guaranteed asset protection waiver; and (B) The amount the borrower owes under the finance agreement. (2)(a) A guaranteed asset protection waiver need not require a creditor to waive: (A) A motor vehicle insurance policy deductible; (B) Delinquent, missed or deferred payments; (C) Late fees or charges; (D) Unearned finance charges, interest or lease charges; (E) Unearned rental payments; (F) Taxes; (G) Refundable items that include, but are not limited to: (i) Charges associated with service contracts; (ii) Prepaid taxes and fees; or (iii) Credit insurance; or (H) Other similar items that the guaranteed asset protection waiver specifies. (b) A guaranteed asset protection waiver may specify limits on the amount a creditor must waive based on a loan to value ratio, a maximum term, a maximum waiver amount or other limits. (3) A guaranteed asset protection waiver may require a creditor to waive all or a portion of a motor vehicle insurance policy deductible. [2015 c.523 §4]
OR Rev Stat § 646A.781 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.781 - Cancellation and expiration; refunds; effect of sale, assignment or transfer.

(1)(a) A guaranteed asset protection waiver may provide that a borrower may cancel the guaranteed asset protection waiver after the evaluation period expires or that the guaranteed asset protection waiver expires if the finance agreement terminates early. If the guaranteed asset protection waiver permits a borrower to cancel as provided in this subsection and the borrower did not receive a benefit, the borrower is entitled to a pro rata refund of the unearned portion of the purchase price. (b) A borrower shall apply in writing to the person identified in the guaranteed asset protection waiver for a refund of all or a portion of the purchase price of the guaranteed asset protection waiver within 90 days after cancellation if the borrower cancels the guaranteed asset protection waiver. If the guaranteed asset protection waiver is canceled as a result of the termination of the finance agreement, then any cancellation refund shall be provided without requiring the borrower to apply or submit a claim for the refund. (2) The terms of the guaranteed asset protection waiver may provide that if the borrower financed the purchase of the guaranteed asset protection waiver and cancels the guaranteed asset protection waiver, if the borrower defaults on the obligation set forth in the finance agreement, if the creditor repossesses the motor vehicle that secures the obligation or if the finance agreement terminates for a reason other than the borrower’s satisfaction of the obligation set forth in the finance agreement, any refund due as a consequence of the termination may be: (a) Paid directly to the creditor; or (b) Applied to any outstanding balance on the obligation set forth in the finance agreement, unless the borrower has paid the obligation in full. If the borrower has paid the obligation in full, the creditor shall pay to the borrower the refund. (3) Unless canceled as provided in this section, a guaranteed asset protection waiver remains in effect as part of the finance agreement for the term set forth in the guaranteed asset protection waiver even if the finance agreement is sold, assigned or otherwise transferred. [2015 c.523 §5]
OR Rev Stat § 646A.784 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.784 - Reimbursement insurance policies for guaranteed asset protection waivers.

(1)(a) A creditor other than a person that sells a guaranteed asset protection waiver in connection with a retail sale of a motor vehicle may insure a guaranteed asset protection waiver with a reimbursement insurance policy. (b) A person that sells a guaranteed asset protection waiver in connection with a retail sale of a motor vehicle shall insure the guaranteed asset protection waiver with a reimbursement insurance policy that meets the requirements set forth in subsection (2) of this section. (c) A lessor that leases a motor vehicle does not need to insure a guaranteed asset protection waiver that the lessor sells in connection with the lease. (2) A reimbursement insurance policy for a guaranteed asset protection waiver must state: (a) The terms of the obligation the insurer has to reimburse the creditor for amounts the creditor must waive under the terms of the guaranteed asset protection waiver; (b) That the insurer’s obligation to reimburse the creditor extends to the creditor’s assignee or any person to which the creditor sells or transfers the finance agreement or the guaranteed asset protection waiver that the reimbursement insurance policy covers; (c) That the reimbursement insurance policy remains in effect until canceled in accordance with applicable provisions of the Insurance Code; and (d) That a cancellation of the reimbursement insurance policy does not affect an insurer’s obligation under the reimbursement insurance policy for guaranteed asset protection waivers that the insured sold, and for which the insurer received premium payments, before the date on which the reimbursement insurance policy was canceled. (3) A person that sells a guaranteed asset protection waiver in connection with a sale or lease of a motor vehicle shall report to any insurer that has issued a reimbursement insurance policy to the person the number of guaranteed asset protection waiver sales and any other details the insurer requires under the terms of the reimbursement insurance policy and shall timely forward to the insurer all funds due under the terms of the reimbursement insurance policy. [2015 c.523 §6]
OR Rev Stat § 646A.787 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.787 - Fiduciary responsibilities.

(1) A person that is subject to ORS 646A.770 to 646A.787 shall act in a fiduciary capacity with respect to funds the person receives or holds for the benefit of another person. (2) A person that sells a guaranteed asset protection waiver in connection with a retail sale of a motor vehicle may not: (a) Charge more for the guaranteed asset protection waiver than five percent of the amount the borrower finances under a finance agreement; or (b) Vary the benefits, terms, conditions or price of the guaranteed asset protection waiver on account of a borrower’s race, sex, sexual orientation, gender identity, income or education. [2015 c.523 §7; 2021 c.367 §28]
OR Rev Stat § 646A.790 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.790 - Unlawful practices.

A violation of a provision of ORS 646A.770 to 646A.787 is an unlawful practice under ORS 646.608. [2015 c.523 §8]
OR Rev Stat § 646A.800 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.800 - Late fees on delinquent cable service accounts; amount; disclosure; notice.

(1) As used in this section: (a) "Cable service" means: (A) One-way transmission to subscribers of a video programming service; (B) Two-way interactive service delivered over a cable system; or (C) Any communication with subscribers necessary for the selection and use of video programming or interactive services. (b) "Cable system" means a facility consisting of closed transmission paths and associated signal operation, reception and control equipment that is designed to provide cable service. (2)(a) A seller of cable service may assess a late fee on delinquent subscriber accounts held by the seller that have an unpaid balance of $10 or more. (b) A late fee assessed under subsections (2), (3) and (4) of this section shall not exceed five percent of the unpaid balance or $6, whichever is greater. (3) The seller of cable service shall conspicuously disclose on each statement or invoice the terms under which a late fee may be assessed, including the amount of the fee. (4) Prior to assessing a late fee under subsections (2), (3) and (4) of this section, the seller shall give written notice to the subscriber. The notice shall conspicuously indicate the amount of the unpaid balance, an address where payment may be made, the date on which the late fee will be imposed and the amount of the late fee. The notice shall be mailed to the subscriber’s last-known billing address as shown in the seller’s records. The notice shall be mailed at least 10 days prior to the date on which the late fee will be assessed. The late fee may not be assessed earlier than 27 days after the due date for the unpaid balance. [Formerly 646.649]
OR Rev Stat § 646A.801 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.801 - Termination of residential cable service or residential telecommunications service for certain persons.

(1) As used in this section: (a) "Hospice program" has the meaning given that term in ORS 443.850. (b) "Personal representative" has the meaning given that term in ORS 111.005. (c) "Residential cable service" means the transmission of any communication to a residential customer of the service for the purpose of delivering video content to the customer. (d) "Residential telecommunications service" means the transmission of any communication between a residential customer of the service and any other individual through the use of a communication system established and maintained by a radio common carrier or a telecommunications utility, both as defined in ORS 759.005. (2) An individual in a hospice program, or the next of kin or personal representative of an individual who has died, may terminate, without penalty, a residential cable service or a residential telecommunications service provided pursuant to an existing contract. (3) For purposes described in subsection (2) of this section, a provider of a residential cable service or a residential telecommunications service may require an individual in a hospice program or the next of kin or personal representative of an individual who has died to submit a document establishing that the individual is in a hospice program or has died. (4) A termination of service under subsection (2) of this section is effective on the date on which the provider of the service first receives notice that the individual is in a hospice program or has died. (5) The Oregon Health Authority may impose a civil penalty, not to exceed $1,000, for violation of this section. Civil penalties imposed under this section shall be imposed in the manner provided by ORS 183.745. All moneys recovered under this section shall be paid into the State Treasury and credited to the General Fund. (6) The authority may adopt rules to carry out the provisions of this section. [2015 c.181 §2; 2017 c.17 §49]
OR Rev Stat § 646A.806 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.806 - Website with photographs and information about arrested persons; requirement to remove photographs and information upon request; penalty.

(1) A person shall comply with subsection (2) of this section if the person: (a) Operates a website that disseminates photographic records of arrested individuals made by law enforcement agencies pursuant to ORS 181A.160 or otherwise as part of routinely documenting an arrest; and (b) Charges a fee for the removal from the website of a photograph referred to in paragraph (a) of this subsection and the name and personal information of the individual associated with the photograph. (2) A person described in subsection (1) of this section shall remove the photograph and related name and personal information from all websites owned or controlled by the person without charging a fee within 30 days of the date of a request to remove the photograph if the request: (a) Is made in writing; and (b) Contains written documentation that all charges stemming from the arrest for which the photograph was made: (A) Were resolved through acquittal or otherwise without a conviction; (B) Were reduced to violations; or (C) Following conviction, were expunged or set aside pursuant to court order. (3) For purposes of this section, paper or electronic copies of official court records or law enforcement records constitute written documentation. (4) A person who violates subsection (2) of this section commits an unlawful practice under ORS 646.608. [2013 c.330 §1]