reglab/housing_qa huggingface dataset:
TN Code § 45-18-119 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 18 - Check Cashing Act|§ 45-18-119. Criminal Penalties

  Any person who knowingly and willfully violates any provision of this chapter or any order or rule pursuant thereto for which a penalty is not specifically provided commits a Class C misdemeanor. Each day the violation occurs is a separate offense.   Any person who knowingly and willfully makes a material, false statement in any document filed or required to be filed under this chapter with the intent to deceive the recipient of the document commits a Class E felony.   Any person who knowingly and willfully fails to file a document required to be filed under this chapter commits a Class E felony.   Any person who carries on an unauthorized check cashing business commits a Class E felony.   Any person who obstructs or endeavors to obstruct a lawful examination of a licensee commits a Class E felony.   It is the duty of the commissioner to submit to the appropriate district attorney general for the respective counties of the state any criminal violation of this chapter known by the commissioner to have occurred in the county. The commissioner shall also report the violation to the appropriate division of the Tennessee bureau of investigation. The commissioner may provide the information to the attorney general and reporter or the appropriate federal authorities, or both, as the commissioner deems proper. Confidential information that is communicated by the commissioner pursuant to this section remains confidential in the hands of the agency to which the information is reported, and does not become a matter of public record by virtue of this communication.   In addition to the criminal penalty provided for in this section, the commissioner may also commence an action to enjoin the operation of the business through a cease and desist order.
TN Code § 45-18-120 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 18 - Check Cashing Act|§ 45-18-120. Licensee's Conduct — Written Complaints

  Any person aggrieved by the conduct of a licensee under this chapter in connection with the regulated activities, may file a written complaint with the commissioner who may investigate the complaint.   In the course of the investigation of the complaint, the commissioner may:  Subpoena witnesses;   Administer oaths;   Examine any individual under oath; and   Compel the production of records, books, papers, contracts, or other documents relevant to the investigation.     If any person fails to comply with a subpoena of the commissioner under this chapter or to testify concerning any matter about which the person may be interrogated under this chapter, the commissioner may petition any court of competent jurisdiction for enforcement.   The license of any licensee under this chapter who fails to comply with a subpoena of the commissioner may be suspended pending compliance with the subpoena.   The commissioner has the administrative power to investigate and enforce any and all complaints filed by any person that are not criminal in nature, which complaint relates to check cashing businesses, including licensees hereunder and those who are exempt under § 45-18-103.
TN Code § 45-18-122 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 18 - Check Cashing Act|§ 45-18-122. Licensing Through Multi-State Automated Licensing System

  In addition to any other powers imposed upon the commissioner by law, the commissioner is authorized to require persons subject to this chapter to be licensed through a multi-state automated licensing system. Pursuant to this authority, the commissioner may:  Promulgate any rules reasonably necessary for participation in, transition to, or operation of a multi-state automated licensing system;   Establish relationships or enter into agreements reasonably necessary for participation in, transition to, or operation of a multi-state automated licensing system. The agreements may include, but are not limited to, operating agreements, information sharing agreements, interstate cooperative agreements, and technology licensing agreements;   Require that applications for licensing under this chapter and renewals of such licenses be filed with a multi-state automated licensing system;   Require that any fees required to be paid under this chapter be paid through a multi-state automated licensing system;   Establish deadlines for transitioning licenses to a multi-state automated licensing system. The commissioner may deny any applications or renewal applications not filed with a multi-state automated licensing system after the deadlines have passed, notwithstanding any other deadlines established in this chapter. The commissioner shall provide reasonable notice of any transition deadlines to licensees; and   Take such further actions as are reasonably necessary to give effect to this section.     Nothing in this section authorizes the commissioner to require a person who is not subject to this chapter to submit information to, or participate in, a multi-state automated licensing system.   Notwithstanding any other provision of this section, the commissioner retains full authority and discretion to license persons under this chapter and to enforce this chapter. Nothing in this section reduces or derogates that authority and discretion.   Applicants for and holders of licenses issued under this chapter must pay all costs associated with submitting an application or transitioning a license to a multi-state automated licensing system, as well as all costs associated with maintaining and renewing any license issued by the commissioner on a multi-state automated licensing system.
TN Code § 45-18-123 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 18 - Check Cashing Act|§ 45-18-123. Agent for Channeling Information

 The commissioner is authorized to use a multi-state automated licensing system as an agent for channeling information, whether criminal or noncriminal in nature, and whether derived from or distributed to the United States department of justice, any other state or federal governmental agency, or any other source, that the commissioner is authorized to request or distribute under this chapter.
TN Code § 45-18-124 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 18 - Check Cashing Act|§ 45-18-124. Privacy or Confidentiality of Shared Information

 In order to promote more effective regulation and reduce regulatory burden through supervisory information sharing:   The requirements under any federal or state law regarding the privacy or confidentiality of any information or material provided to a multi-state automated licensing system, and any privilege arising under federal or state law, including the rules of any federal or state court, with respect to such information or material, continue to apply to the information or material after it has been disclosed to a multi-state automated licensing system. The information or material may be shared with all state and federal regulatory officials with check-cashing industry oversight authority without the loss of privilege or confidentiality protections provided by federal or state law, including the protection available under § 45-1-120;   For purposes of subdivision (1), the commissioner may enter into agreements or sharing agreements with other governmental agencies, the Conference of State Bank Supervisors, or other associations representing governmental agencies, as established by rule, regulation, or order of the commissioner;   Information or material that is subject to a privilege or confidentiality protection under subdivision (1) is not subject to:  Disclosure under any federal or state law governing disclosure to the public of information held by an officer or agency of the federal government or the respective state; or   Subpoena or discovery or admission into evidence in any private civil action or administrative process, unless the person to whom such information or material pertains, in the person's discretion, waives any applicable privilege held by a multi-state automated licensing system, in whole or in part;     This section supersedes any inconsistent provisions of title 10, chapter 7, part 5, pertaining to the records open to public inspection; and   This section does not apply with respect to information or material relating to publicly adjudicated disciplinary and enforcement actions against persons subject to this chapter that is included in a multi-state automated licensing system for access by the public.
TN Code § 45-19-102 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 19 - Data Match System for Child Support Obligors|§ 45-19-102. Immunity for Provision of Financial Information

  A “financial institution,” as defined in § 45-19-101(e), or any financial institution's contractor that may process any records pursuant to this chapter, shall be absolutely immune from any civil or criminal liability under common law or under any contract, statute or regulation for:  The disclosure of any information pursuant to this part, for the escrow, encumbrance, seizure or surrender of any assets held by the financial institution in response to a notice of lien or levy issued by any state child support enforcement agency or its contractors or agents, or for disclosing any records to the federal parent locator service as may be required by this part or for any action taken in good faith to comply with the requirements of this part;   Subject to subsection (b), any erroneous disclosure, encumbrance, seizure or surrender made in a good faith effort to comply with the requirements of this part; or   Subject to subsection (b), any good faith failure to effect, or good faith delay in effecting, a disclosure, encumbrance, seizure or surrender in compliance with the requirements of this part, if the failure or delay results from an error or from events beyond the control of the financial institution.     Subdivisions (a)(2) and (3) shall apply to erroneous acts or failures to act only if the error from which the act or failure results is an unintentional bona fide error, including, but not limited to, a clerical or computer malfunction or programming error. In the event of an erroneous act under subdivision (a)(2) or an erroneous or other failure to act under subdivision (a)(3), the financial institution shall, upon discovery thereof, exercise the diligence that the circumstances require.
TN Code § 45-20-101 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 20 - Tennessee Home Loan Protection Act|§ 45-20-101. Short Title

 This chapter shall be known and may be cited as the “Tennessee Home Loan Protection Act.”
TN Code § 45-20-106 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 20 - Tennessee Home Loan Protection Act|§ 45-20-106. Actions Prohibited to Avoid Application or Provisions of Chapter — Open-End Credit Plan

  No person shall, with the intent to avoid the application or provisions of this chapter:  Divide a loan transaction into separate parts;   Structure a loan transaction as an open-end credit plan for the purpose and with the intent of evading this chapter, when the loan would have been a high-cost home loan if the loan had been structured as a closed-end loan; or   Engage in any other subterfuge.     For purposes of this section, “open-end credit plan” means “open-end loan” as defined in 12 CFR 226.2(a)(20), and as used in the official staff commentary of the board of governors of the federal reserve system.   For open-end credit plan, “points and fees” means “points and fees” as defined in 12 CFR 226.32, and as used in the official staff commentary of the board of governors of the federal reserve system that are known at or before closing, plus the minimum additional fees the borrower would be required to pay to draw down an amount equal to the total credit line.
TN Code § 45-20-107 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 20 - Tennessee Home Loan Protection Act|§ 45-20-107. Penalties — Punitive Damages — Remedies — Limitations — Frivolous or Harassment Actions — Notice of Action

  Except as provided in § 45-20-108, any lender found by a preponderance of the evidence to have violated this chapter shall be subject to the following:  The making of a high-cost home loan that violates one (1) or more of the provisions found in § 45-20-103(1), (4)-(14), (16), (17), or (19)-(21), or § 45-20-106 is subject to the following penalties:  Actual damages;   For willful or intentional violations, statutory damages equal to the amount of all finance charges and fees paid by the borrower and forfeiture of the remaining interest under the loan; and   Costs and reasonable attorney's fees;     The collecting or servicing of a high-cost home loan that violates one (1) or more of the provisions in § 45-20-103(2), (3), (15), or (18), § 45-20-104, or § 45-20-106 is subject to the following penalties:  Actual damages;   For willful or intentional violations, statutory damages equal to the amount of all finance charges and fees paid by the borrower; and   Costs and reasonable attorney's fees.       Punitive damages may be awarded where the court finds that the violation is malicious or reckless. Punitive damages shall be limited to three (3) times the actual damages and the amount of all finance charges and fees paid by the borrower, exclusive of costs and reasonable attorney's fees.   The loan may be reformed to effect the remedies provided in this section.   The remedies provided in this section are not exclusive and are in addition to any other remedies available to a borrower under applicable law.   Any action under this section shall be brought within three (3) years from the date the borrower discovered or should have discovered the violation. This subsection (e) does not bar a borrower from asserting a violation of this chapter as a defense in an action to collect the debt that was brought more than three (3) years from the date of occurrence of the violation as a matter of defense by recoupment or set-off in the action.   In any action under this section, upon finding that the action is frivolous or brought for the purpose of harassment, the court may require the borrower instituting the action to indemnify the defendant for reasonable attorney's fees and costs. To assert a claim under this section, the lender or servicer shall file a motion with the court and provide at least fifteen (15) days after service in which the borrower may respond to deny, withdraw, or amend the complaint.   In any action under this section, notice of the action by copy shall be filed simultaneously with the department of financial institutions.
TN Code § 45-20-108 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 20 - Tennessee Home Loan Protection Act|§ 45-20-108. Compliance Failure

  A lender or servicer, as applicable, of a high-cost home loan who, when acting in good faith, fails to comply with § 45-20-103, § 45-20-104, or § 45-20-106 shall not be deemed to have violated the section, if the lender or servicer establishes that either:  Within thirty (30) days of discovery and prior to the institution of any action under this chapter:  The borrower is notified of the compliance failure;   The lender or servicer has made appropriate restitution to the borrower;   With respect to the violations identified in § 45-20-107(a)(1), the lender or servicer makes whatever adjustments are necessary to the loan to either, at the choice of the borrower, make the loan satisfy the requirements of § 45-20-103, or change the terms of the loan in a manner beneficial to the borrower, so that the loan will no longer be considered a high-cost home loan subject to this chapter; and   With respect to the violations identified in § 45-20-107(a)(2), the lender or servicer makes whatever adjustments or refunds and/or takes action necessary to cure the violation, by affording the borrower the rights and benefits provided under this chapter;     The compliance failure was not intentional and resulted from a bona fide error, notwithstanding the maintenance of procedures reasonably adapted to avoid the errors, and within sixty (60) days after the discovery of the compliance failure and prior to the institution of any action under this chapter or the receipt of written notice of the compliance failure:  The borrower is notified of the compliance error;   The lender makes appropriate restitution to the borrower;   With respect to the violations identified in § 45-20-107(a)(1), the lender or servicer makes whatever adjustments are necessary to the loan to either, at the choice of the borrower, make the loan satisfy the requirements of § 45-20-103, or change the terms of the loan in a manner beneficial to the borrower, so that the loan will no longer be considered a high-cost home loan subject to this chapter; and   With respect to the violations identified in § 45-20-107(a)(2), the lender or servicer  makes whatever adjustments or refunds and/or takes action necessary to cure the violation, by affording the borrower the rights and benefits provided under this chapter.       Examples of a bona fide error include, but are not limited to, clerical, calculation, computer malfunction and programming, and printing errors.   For purposes of this section, “appropriate restitution” means the reimbursement by the lender of any points and fees, interest, or other charges made by the lender and received from the borrower necessary to put the borrower in the same position as the borrower would have been had the loan, as adjusted, in accordance with subdivisions (a)(1) and (2), been originally made.
TN Code § 45-20-110 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 20 - Tennessee Home Loan Protection Act|§ 45-20-110. Restrictions on Local Regulation

 All counties, municipalities, or political subdivisions of this state are prohibited from enacting and enforcing ordinances, resolutions, and rules regulating financial and lending activities, including ordinances, resolutions, and rules disqualifying persons from doing business with a city, county, or municipality based upon lending practices, interest rates or imposing reporting requirements or any other obligations upon persons regarding financial services or lending practices of persons or entities, and any subsidiaries or affiliates thereof, who:   Are subject to the jurisdiction of the department of financial institutions, including activities subject to this chapter;   Are subject to the jurisdiction of the office of thrift supervision, the office of the comptroller of the currency, the national credit union administration, the federal deposit insurance corporation, the federal trade commission, or the United States department of housing and urban development;   Originate, purchase, sell, buy, secure, or service property interests or obligations created by financial transactions or loans made, executed, or originated by persons referred to in subdivision (1) or (2) to assist or facilitate the transactions; or   Are chartered by the United States congress to engage in secondary market mortgage transactions.
TN Code § 45-20-111 (2021)
2021 Tennessee Code|Title 45 - Banks and Financial Institutions|Chapter 20 - Tennessee Home Loan Protection Act|§ 45-20-111. Application

 This chapter shall apply to all high-cost home loans applied for and closed on or after January 1, 2007; provided, that this chapter shall not apply to the extent it is preempted by, or is in conflict with or inconsistent with the National Bank Act (12 U.S.C. § 21 et seq.), the Homeowner's Loan Act (12 U.S.C. § 1464 et seq.), the Federal Credit Union Act (12 U.S.C. § 1751 et seq.), or regulations issued by the office of the comptroller of the currency, the office of thrift supervision, the federal deposit insurance corporation or the federal credit union administration, and as interpreted by the federal courts, to national or state banks or trust companies, federal or state savings institutions, federal or state credit unions, or the operating subsidiaries of any of those.
TN Code § 46-2-102 (2021)
2021 Tennessee Code|Title 46 - Cemeteries|Chapter 2 - Cemetery Companies|§ 46-2-102. Action of Trespass for Damage

 All offenders shall be liable in an action of trespass in the name of the managers or trustees, to pay all damages that have been occasioned by their unlawful acts, which money, when recovered, shall be applied by the managers or trustees to the reparation of the property injured or destroyed.
TN Code § 46-2-103 (2021)
2021 Tennessee Code|Title 46 - Cemeteries|Chapter 2 - Cemetery Companies|§ 46-2-103. Escheat of Lots to Cemetery Owner

 In order to facilitate a more efficient and economical system for caring for and maintaining and improving cemeteries owned and operated by municipalities, corporations and associations within this state, it is provided that after March 21, 1955, all vacant cemetery lots and grave spaces owned by any person dying intestate without issue and leaving no known relatives entitled by the law of descent to the cemetery lots and grave spaces shall escheat to the municipalities, corporations, associations or other owners of a cemetery where vacant lots and grave spaces exist, owned by any person dying testate without devising the vacant cemetery lots or grave spaces, and leaving no lawful heirs, as the case may be, entitled by law to take the vacant cemetery lots or grave spaces, or where the devisees or heirs are incapable of taking the vacant cemetery lots or grave spaces and where there are no lawful heirs, as the case may be.
TN Code § 46-2-104 (2021)
2021 Tennessee Code|Title 46 - Cemeteries|Chapter 2 - Cemetery Companies|§ 46-2-104. Suit for Escheat — Notice — Parties

 In all cases where municipalities, corporations, associations or other owners of cemeteries have a good right to believe any vacant cemetery lots or grave spaces have escheated to it, the municipalities, corporations, associations or other owners are empowered to bring suit for the escheated property and shall make defendants to its bill filed in the cause the personal representative of the deceased, if known, and all other persons who are in possession or in any manner or way claim any interest in or to the vacant cemetery lots or grave spaces. If the parties are residents of the state, they shall be served with process; if the parties are nonresidents of the state, they shall be made parties by publication, according to law. In addition to the defendants named pursuant to this section under the bill, there shall be publication made for thirty (30) days in a newspaper in the county in which the bill is filed, or if no newspaper is published in the county, then in the nearest newspaper so published, calling upon unknown heirs of the deceased person claiming under the deceased person, in any manner or way, whatever, to enter an appearance as defendants to the bill or suit, and all persons having an interest in the bill or suit may come into court and defend the bill or suit according to the rule of the court.
TN Code § 46-2-105 (2021)
2021 Tennessee Code|Title 46 - Cemeteries|Chapter 2 - Cemetery Companies|§ 46-2-105. Hearing and Decree of Escheat

 In determining the escheat of any vacant cemetery lots or grave spaces to any municipalities, corporations, associations or other owners of cemeteries, the court shall hear proof, and if satisfied that it would be best for the vacant cemetery lots or grave spaces to escheat, shall decree accordingly.