reglab/housing_qa huggingface dataset:
MD. Commercial Law Code Ann. §  14-901 (2021)
2021 Maryland Statutes|Commercial Law|Title 14 - Miscellaneous Consumer Protection Provisions|Subtitle 9 - Kosher Products|Part I - Definitions|Section 14-901 - Definitions

    (a)    In this subtitle the following words have the meanings indicated.    (b)    “Advertisement” has the meaning stated in § 13-101(b) of this article.    (c)    “Disclosure statement” means the form provided by the Attorney General for the purpose of disclosing to consumers practices relating to the preparation, handling, and sale of any unpackaged food represented to be kosher, kosher for Passover, or prepared or maintained under rabbinical or other kosher supervision.    (d)    “Division” means the Division of Consumer Protection of the Office of the Attorney General.    (e)    (1)    “Food” or “food product” means any food, food product, or food preparation, whether:            (i)    Raw, solid or liquid; or            (ii)    Prepared for human consumption.        (2)    “Food” or “food product” includes:            (i)    Any meat, meat product, or meat preparation;            (ii)    Any milk, milk product, or milk preparation;            (iii)    Any poultry or poultry product; and            (iv)    Any alcoholic or nonalcoholic beverage.    (f)    “Kosher” includes foods prepared for the festival of Passover and termed as “kosher for Passover”.    (g)    “Meat” includes any meat product or meat preparation.    (h)    (1)    “Mezuzah” means the Jewish religious article that, according to Jewish law, is designed to be attached to the doorpost of a room in a home.        (2)    “Mezuzah” includes:            (i)    The parchment or other material on which passages from the Bible are to be written; and            (ii)    The writing on that parchment or other material.    (i)    “Person” includes an individual, corporation, business trust, statutory trust, estate, trust, partnership, association, two or more persons having a joint or common interest, or any other legal or commercial entity.    (j)    “Poultry” includes any poultry product or poultry preparation.    (k)    (1)    “Represents to the public” means any direct or indirect statement, orally or written, and any letter, word, sign, emblem, insignia, or mark which could reasonably lead a consumer to believe that a representation is being made that the final food product sold to the consumer is kosher, kosher for Passover, or prepared or maintained under rabbinical or other kosher supervision.        (2)    “Represents to the public” includes any advertisement.    (l)    (1)    “Tefillin” means the Jewish religious article, also known as “phylacteries”, that, according to Jewish law, is designed to be worn on the upper arm and head during morning prayers.        (2)    “Tefillin” includes:            (i)    The parchment or other material on which passages from the Bible are to be written;            (ii)    The writing on that parchment or other material;            (iii)    The capsules in which the parchment or other material is contained; and            (iv)    The straps attached to the capsules.
MD. Commercial Law Code Ann. §  14-903 (2021)
2021 Maryland Statutes|Commercial Law|Title 14 - Miscellaneous Consumer Protection Provisions|Subtitle 9 - Kosher Products|Part II - Food Products|Section 14-903 - Advertisement of Place of Business or Food Products

    A person may not advertise any food for sale or any place of business as being under rabbinical or other kosher supervision unless the advertisement identifies the name of the rabbi or other person that supervises or otherwise certifies the product or place of business as kosher.
MD. Commercial Law Code Ann. §  14-904 (2021)
2021 Maryland Statutes|Commercial Law|Title 14 - Miscellaneous Consumer Protection Provisions|Subtitle 9 - Kosher Products|Part II - Food Products|Section 14-904 - Identification of Packaged Food Products

    (a)    In this section, “packaged food product” means a food product that:        (1)    In advance of sale, is put up or packaged, in any manner, in units suitable for retail sale; and        (2)    Is not intended for consumption at its point of manufacture.    (b)    A person may not sell or offer for sale, as kosher, kosher for Passover, or as being under rabbinical or other kosher supervision any packaged food product unless:        (1)    It has a kosher identification securely attached to the outside of the package; and        (2)    This identification was attached to the package by the producer or packer of the product at his place of business.    (c)    Subsection (b) of this section applies to any packaged food product that is marked or identified with:        (1)    In any language, the words “kosher”, “parve”, “glatt”, or “rabbinical supervision”;        (2)    Any other word or symbol representing to the public that the product is kosher, kosher for Passover, or under rabbinical or other kosher supervision; or        (3)    The English letters “K”, “KP”, “KD”, “KM”, “KF”, “KOS”, or “RS”, except as part of a registered trademark.
MD. Commercial Law Code Ann. §  14-905 (2021)
2021 Maryland Statutes|Commercial Law|Title 14 - Miscellaneous Consumer Protection Provisions|Subtitle 9 - Kosher Products|Part III - Mezuzahs and Tefillin|Section 14-905 - Identification

    (a)    The manufacturer or importer of any mezuzah or tefillin represented as kosher or as produced under rabbinical or other supervision may not sell the product or offer it for sale unless the following information is printed legibly on the package of the product or on a label securely attached to the product:        (1)    The name and address of the manufacturer or importer; and        (2)    If the mezuzah or tefillin, in the form reasonably expected to be sold at retail, is not intended to be represented as kosher, the word “nonkosher”.    (b)    A person may not sell or offer for sale at retail any mezuzah or tefillin represented to the public as kosher or as produced under rabbinical supervision that does not have on or attached to it the information required by subsection (a) of this section.
MD. Commercial Law Code Ann. §  14-906 (2021)
2021 Maryland Statutes|Commercial Law|Title 14 - Miscellaneous Consumer Protection Provisions|Subtitle 9 - Kosher Products|Part IV - Enforcement and Penalties|Section 14-906 - Applicability of Consumer Protection Act

    A violation of any provision of this subtitle is an unfair or deceptive trade practice within the meaning of Title 13 of this article.
MD. Commercial Law Code Ann. §  14-907 (2021)
2021 Maryland Statutes|Commercial Law|Title 14 - Miscellaneous Consumer Protection Provisions|Subtitle 9 - Kosher Products|Part IV - Enforcement and Penalties|Section 14-907 - Penalty

    Any person who violates any provision of this subtitle is guilty of a misdemeanor and is subject to the enforcement and penalty provisions set forth in Title 13 of this article.
MD. Commercial Law Code Ann. §  14-1202 (2021)
2021 Maryland Statutes|Commercial Law|Title 14 - Miscellaneous Consumer Protection Provisions|Subtitle 12 - Consumer Credit Reporting Agencies|Part I - General Provisions|Section 14-1202 - Permissible Purposes of Consumer Reports; Restrictions on Sale or Transfer

    (a)    Subject to subsection (b) of this section and § 14-1205 of this subtitle, a consumer reporting agency may furnish a consumer report under the following circumstances and no other:        (1)    In response to the order of a court having jurisdiction to issue the order;        (2)    In accordance with the written instructions of the consumer to whom it relates; or        (3)    To a person which the agency has reason to believe:            (i)    Intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer;            (ii)    Intends to use the information for employment purposes;            (iii)    Intends to use the information in connection with the underwriting of insurance involving the consumer;            (iv)    Intends to use the information in connection with a determination of the consumer’s eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant’s financial responsibility or status; or            (v)    Otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer.    (b)    If the consumer reporting agency receives written notice from the consumer restricting the sale or other transfer of information in the consumer’s file, the consumer reporting agency may not sell, offer to sell, or furnish information in the consumer’s file to:        (1)    A mail-service organization;        (2)    A marketing firm; or        (3)    Any other similar organization that obtains information about a consumer for marketing purposes.
MD. Commercial Law Code Ann. §  14-1203 (2021)
2021 Maryland Statutes|Commercial Law|Title 14 - Miscellaneous Consumer Protection Provisions|Subtitle 12 - Consumer Credit Reporting Agencies|Part I - General Provisions|Section 14-1203 - Reporting of Obsolete Information Prohibited

    (a)    Except as authorized under subsection (b) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information:        (1)    Bankruptcies which, from date of adjudication of the most recent bankruptcy, antedate the report by more than 10 years;        (2)    Suits and judgments which, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period;        (3)    Paid tax liens which, from date of payment, antedate the report by more than seven years;        (4)    Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years;        (5)    Records of arrest, indictment, or conviction of crime which, from date of disposition, release, or parole, antedate the report by more than seven years; or        (6)    Any other adverse item of information which antedates the report by more than seven years.    (b)    The provisions of subsection (a) of this section are not applicable in the case of any consumer credit report to be used in connection with:        (1)    A credit transaction involving, or which may reasonably be expected to involve, a principal amount of $50,000 or more;        (2)    The underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of $50,000 or more; or        (3)    The employment of any individual at an annual salary which equals, or which may reasonably be expected to equal, $20,000 or more.
MD. Commercial Law Code Ann. §  14-1204 (2021)
2021 Maryland Statutes|Commercial Law|Title 14 - Miscellaneous Consumer Protection Provisions|Subtitle 12 - Consumer Credit Reporting Agencies|Part I - General Provisions|Section 14-1204 - Disclosure of Investigative Consumer Reports

    (a)    A person may not procure or cause to be prepared an investigative consumer report on any consumer unless:        (1)    It is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and the disclosure:            (i)    Is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested; and            (ii)    Includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection (b) of this section; or        (2)    The report is to be used for employment purposes for which the consumer has not specifically applied.    (b)    Any person who procures or causes to be prepared an investigative consumer report on any consumer shall make, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection (a)(1) of this section, a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for the disclosure was received from the consumer or the report was first requested, whichever is the later.    (c)    No person may be held liable for any violation of subsection (a) or (b) of this section if he shows by a preponderance of the evidence that at the time of the violation he maintained reasonable procedures to assure compliance with subsection (a) or (b) of this section.
MD. Commercial Law Code Ann. §  14-1205 (2021)
2021 Maryland Statutes|Commercial Law|Title 14 - Miscellaneous Consumer Protection Provisions|Subtitle 12 - Consumer Credit Reporting Agencies|Part I - General Provisions|Section 14-1205 - Compliance Procedures; Identifying Information to Governmental Agency

    (a)    (1)    A consumer reporting agency shall maintain reasonable procedures designed to avoid violations of § 14-1203 of this subtitle and to limit the furnishing of consumer reports to the purposes listed under § 14-1202 of this subtitle.        (2)    The procedures at a minimum shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose.        (3)    A consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by the prospective user prior to furnishing the user a consumer report.        (4)    No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in § 14-1202 of this subtitle.    (b)    Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.    (c)    Notwithstanding the provisions of § 14-1202 of this subtitle, a consumer reporting agency may furnish identifying information respecting any consumer, limited to his name, address, former addresses, places of employment, or former places of employment, to a governmental agency.
MD. Commercial Law Code Ann. §  14-1206 (2021)
2021 Maryland Statutes|Commercial Law|Title 14 - Miscellaneous Consumer Protection Provisions|Subtitle 12 - Consumer Credit Reporting Agencies|Part I - General Provisions|Section 14-1206 - Disclosures to Consumer Required; Deletions

    (a)    A consumer reporting agency shall, upon request and proper identification of a consumer, provide the consumer:        (1)    An exact copy of any file on that consumer except any part of the file which contains medical information;        (2)    A written explanation of codes or trade language used;        (3)    A description of the rights of the consumer under this subtitle; and        (4)    The name, address, and telephone number of the Commissioner.    (b)    Whenever access to a file or a copy of a file has been furnished to a consumer, the consumer reporting agency may delete the sources of information acquired solely for use in an investigative report and used for no other purpose. If any action is brought by the consumer under this subtitle, the consumer reporting agency shall make such sources available to the plaintiff under appropriate discovery procedures.
MD. Commercial Law Code Ann. §  14-1207 (2021)
2021 Maryland Statutes|Commercial Law|Title 14 - Miscellaneous Consumer Protection Provisions|Subtitle 12 - Consumer Credit Reporting Agencies|Part I - General Provisions|Section 14-1207 - Conditions of Disclosure of Consumer's File

    (a)    A consumer reporting agency shall make the disclosures required under § 14–1206(a) of this subtitle during normal business hours and on reasonable notice.    (b)    The disclosures required under § 14–1206(a) of this subtitle shall be made to the consumer:        (1)    In person if he appears in person and furnishes proper identification;        (2)    By telephone if he has made a written request, with proper identification, for telephone disclosure and the toll charge, if any, for the telephone call is prepaid by or charged directly to the consumer; or        (3)    In writing if the consumer makes a written request and furnishes proper identification.    (c)    Any consumer reporting agency shall provide trained personnel to explain to the consumer any information furnished to him pursuant to § 14–1206 of this subtitle.    (d)    The consumer shall be permitted to be accompanied by one other person of his choosing, who shall furnish reasonable identification. A consumer reporting agency may require the consumer to furnish a written statement granting permission to the consumer reporting agency to discuss the consumer’s file in the person’s presence.    (e)    Except as provided in  § 14–1221 of this subtitle, no consumer may:        (1)    Except as to false information furnished with malice or willful intent to injure the consumer, bring any action or proceeding in the nature of defamation, invasion of privacy, or negligence with respect to the reporting of information against any consumer reporting agency, any user of information, based on information disclosed pursuant to this section or § 14–1206 or § 14–1212 of this subtitle; or        (2)    Bring any action or proceeding against a person who furnishes information to a consumer reporting agency in the nature of defamation, invasion of privacy, or negligence for unintentional error.
MD. Commercial Law Code Ann. §  14-1209 (2021)
2021 Maryland Statutes|Commercial Law|Title 14 - Miscellaneous Consumer Protection Provisions|Subtitle 12 - Consumer Credit Reporting Agencies|Part I - General Provisions|Section 14-1209 - Fees for Disclosures

    (a)    Notwithstanding the provisions of subsection (b) of this section, a consumer reporting agency may not impose a fee for:        (1)    A consumer report provided under § 14-1206(a) of this subtitle one time during a 12-month period;        (2)    A consumer report or disclosure provided under §§ 14-1206(a) and 14-1208(e) of this subtitle if the consumer makes a request for the report within 30 days after receipt by the consumer of a notification under § 14-1212 of this subtitle or notification from a debt collection agency affiliated with a consumer reporting agency stating that the consumer’s credit rating may be or has been adversely affected; or        (3)    A disclosure made under § 14-1208(e) of this subtitle to a person designated by the consumer of the deletion from the consumer report of information that is found to be inaccurate or can no longer be verified.    (b)    (1)    A consumer reporting agency may charge a consumer a reasonable fee:            (i)    For a second or subsequent report made during a 12-month period under § 14-1206(a) of this subtitle, not exceeding $5; and            (ii)    For furnishing information under § 14-1208(e) of this subtitle, not exceeding the fee that the consumer reporting agency would impose on each designated recipient for a consumer report.        (2)    The consumer reporting agency shall indicate the amount of the fee to the consumer before providing the report or furnishing the information.
MD. Commercial Law Code Ann. §  14-1210 (2021)
2021 Maryland Statutes|Commercial Law|Title 14 - Miscellaneous Consumer Protection Provisions|Subtitle 12 - Consumer Credit Reporting Agencies|Part I - General Provisions|Section 14-1210 - Public Record Information for Employment Purposes

    A consumer reporting agency which furnishes a consumer report for employment purposes and which for that purpose compiles and reports items of information on consumers which are matters of public record and are likely to have an adverse effect upon a consumer’s ability to obtain employment shall:         (1)    At the time public record information is reported to the user of the consumer report, notify the consumer of the fact that public record information is being reported by the consumer reporting agency, together with the name and address of the person to whom the information is being reported; or        (2)    Maintain strict procedures designed to insure that whenever public record information which is likely to have an adverse effect on a consumer’s ability to obtain employment is reported it is complete and up to date. For purposes of this paragraph, items of public record relating to arrests, indictments, convictions, suits, tax liens, and outstanding judgments shall be considered up to date if the current public record status of the item at the time of the report is reported.
MD. Commercial Law Code Ann. §  14-1211 (2021)
2021 Maryland Statutes|Commercial Law|Title 14 - Miscellaneous Consumer Protection Provisions|Subtitle 12 - Consumer Credit Reporting Agencies|Part I - General Provisions|Section 14-1211 - Restrictions on Subsequent Use of Adverse Information in Investigative Consumer Reports

    Whenever a consumer reporting agency prepares an investigative consumer report, any adverse information in the consumer report (other than information which is a matter of public record) may not be included in a subsequent consumer report unless the adverse information has been verified in the process of making the subsequent consumer report or the adverse information was received within the three-month period preceding the date the subsequent report is furnished.
MD. Commercial Law Code Ann. §  14-1212 (2021)
2021 Maryland Statutes|Commercial Law|Title 14 - Miscellaneous Consumer Protection Provisions|Subtitle 12 - Consumer Credit Reporting Agencies|Part I - General Provisions|Section 14-1212 - Duty of User of Consumer Report to Notify Consumer

    (a)    Whenever credit or insurance for personal, family, or household purposes, or employment involving a consumer is denied or the charge for credit or insurance is increased either wholly or partly because of information contained in a consumer report from a consumer reporting agency, the user of the consumer report shall so advise the consumer against whom the adverse action has been taken and supply the name and address of the consumer reporting agency making the report.    (b)    Whenever credit for personal, family, or household purposes involving a consumer is denied or the charge for credit is increased either wholly or partly because of information obtained from a person other than a consumer reporting agency bearing upon the consumer’s creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, the user of the information shall, within a reasonable period of time not to exceed 30 days, upon the consumer’s written request for the reasons for the adverse action received within 60 days after learning of the adverse action disclose the nature of the information to the consumer. The user of the information shall clearly and accurately disclose to the consumer his right to make the written request at the time the adverse action is communicated to the consumer.    (c)    A person may not be held liable for any violation of this section if he shows by a preponderance of the evidence that at the time of the alleged violation he maintained reasonable procedures to assure compliance with the provisions of subsections (a) and (b) of this section.
MD. Commercial Law Code Ann. §  14-1215 (2021)
2021 Maryland Statutes|Commercial Law|Title 14 - Miscellaneous Consumer Protection Provisions|Subtitle 12 - Consumer Credit Reporting Agencies|Part II - Registration and Bond Requirements|Section 14-1215 - Registration Required

    A consumer reporting agency shall register each year with the Commissioner under this subtitle.