reglab/housing_qa huggingface dataset:
NV Rev Stat § 604A.710 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.710 - Investigation of businesses; examination of books and records by Commissioner.

  1. For the purpose of discovering violations of this chapter or securing information lawfully required under this chapter, the Commissioner or his or her duly authorized representatives may at any time investigate the business and examine the books, accounts, papers and records used therein of:  (a) Any licensee;  (b) Any other person engaged in the business of making loans or participating in such business as principal, agent, broker or otherwise;  (c) Any registered agent who represents a licensee or any other person engaged in the business of making loans; and  (d) Any person who the Commissioner has reasonable cause to believe is violating or is about to violate any provision of this chapter, whether or not the person claims to be within the authority or beyond the scope of this chapter.  2. For the purpose of examination, the Commissioner or his or her authorized representatives shall have and be given free access to the offices and places of business, and the files, safes and vaults of such persons.  3. The investigation of a registered agent pursuant to subsection 1, including, without limitation, any books, accounts, papers and records used therein, must be kept confidential except to the extent necessary to enforce any provision of this chapter.  4. For the purposes of this section, any person who advertises for, solicits or holds himself or herself out as willing to make any deferred deposit loan, high-interest loan or title loan is presumed to be engaged in the business of making loans.  5. This section does not entitle the Commissioner or his or her authorized representatives to investigate the business or examine the books, accounts, papers and records of any attorney who is not a person described in paragraph (a), (b) or (d) of subsection 1, other than examination of those books, accounts, papers and records maintained by such attorney in his or her capacity as a registered agent, and then only to the extent such books, accounts, papers and records are not subject to any privilege in NRS 49.035 to 49.115, inclusive.  (Added to NRS by 2005, 1706; A 2007, 943, 2721; 2009, 1730)
NV Rev Stat § 604A.720 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.720 - Authority of Commissioner to require attendance of witnesses and production of books and records.

  1. The Commissioner may require the attendance of any person and examine him or her under oath regarding:  (a) Any check-cashing service or loan service regulated pursuant to the provisions of this chapter; or  (b) The subject matter of any audit, examination, investigation or hearing.  2. The Commissioner may require the production of books, accounts, papers and records for any audit, examination, investigation or hearing.  (Added to NRS by 2005, 1706)
NV Rev Stat § 604A.730 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.730 - Annual examinations by Commissioner; exceptions.

  1. At least once each year, the Commissioner or his or her authorized representatives shall make an examination of the place of business of each licensee and of the loans, transactions, books, accounts, papers and records of the licensee so far as they pertain to the business for which he or she is licensed pursuant to the provisions of this chapter.  2. If, after auditing one or more branch locations of the licensee, the Commissioner or his or her authorized representatives conclude that the loans, disclosures, loan practices, computer processes, filing systems and records are identical at each branch location, the Commissioner may make an examination of only those branch locations he or she deems necessary.  (Added to NRS by 2005, 1706)
NV Rev Stat § 604A.740 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.740 - Fees for regulatory activities; penalties for failure to pay fees.

  1. The Commissioner shall charge and collect from each licensee a fee at the rate established and, if applicable, adjusted pursuant to NRS 658.101 for the cost of any supervision, audit, examination, investigation or hearing conducted pursuant to this chapter or any regulations adopted pursuant thereto.  2. The Commissioner shall bill each licensee upon the completion of the activity for the fee required pursuant to subsection 1. The licensee shall pay the fee within 30 days after the date the bill is received. Except as otherwise provided in this subsection, any payment received after the date due must include a penalty of 10 percent of the fee plus an additional 1 percent of the fee for each month, or portion of a month, that the fee is not paid. The Commissioner may waive the penalty for good cause.  3. The failure of a licensee to pay the fee required pursuant to subsection 1 as provided in this section constitutes grounds for revocation of the license of the licensee.  (Added to NRS by 2005, 1706; A 2005, 22nd Special Session, 100; 2017, 394)
NV Rev Stat § 604A.750 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.750 - Annual report by licensee; composite reports.

  1. Annually, on or before April 15, each licensee shall file with the Commissioner a report of operations of the licensed business for the preceding calendar year.  2. The licensee shall make the report under oath and on a form prescribed by the Commissioner.  3. If any person or affiliated group holds more than one license in this State, it may file a composite annual report.  (Added to NRS by 2005, 1708)
NV Rev Stat § 604A.760 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.760 - Fees for failure to submit reports.

  1. If a licensee fails to submit any report required pursuant to this chapter or any regulation adopted pursuant thereto within the prescribed period, the Commissioner may impose and collect a fee of not more than $10 for each day the report is overdue.  2. The Commissioner shall adopt regulations establishing the amount of the fee that may be imposed pursuant to this section.  (Added to NRS by 2005, 22nd Special Session, 101)
NV Rev Stat § 604A.800 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.800 - Temporary suspension of license: Conditions; notice; hearing; terms of suspension.

If the Commissioner finds that probable cause for revocation of any license exists and that enforcement of the provisions of this chapter requires immediate suspension of a license pending investigation, the Commissioner may, upon 5 days’ written notice and a hearing, enter an order suspending a license for a period not exceeding 20 days, pending a hearing upon the revocation.  (Added to NRS by 2005, 1707)
NV Rev Stat § 604A.810 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.810 - Order to desist and refrain; action to enjoin violation; appointment of receiver.

  1. Whenever the Commissioner has reasonable cause to believe that any person is violating or is threatening to or intends to violate any provision of this chapter, the Commissioner may, in addition to all actions provided for in this chapter and without prejudice thereto, enter an order requiring the person to desist or to refrain from such violation.  2. The Attorney General or the Commissioner may bring an action to enjoin a person from engaging in or continuing a violation or from doing any act or acts in furtherance thereof. In any such action, an order or judgment may be entered awarding a preliminary or final injunction as may be deemed proper.  3. In addition to all other means provided by law for the enforcement of a restraining order or injunction, the court in which an action is brought may impound, and appoint a receiver for, the property and business of the defendant, including books, papers, documents and records pertaining thereto, or so much thereof as the court may deem reasonably necessary to prevent violations of this chapter through or by means of the use of property and business, whether such books, papers, documents and records are in the possession of the defendant, a registered agent acting on behalf of the defendant or any other person. A receiver, when appointed and qualified, has such powers and duties as to custody, collection, administration, winding up and liquidation of such property and business as may from time to time be conferred upon the receiver by the court.  (Added to NRS by 2005, 1707; A 2007, 2722)
NV Rev Stat § 604A.820 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.820 - Procedure for taking disciplinary action; authorized disciplinary action; grounds.

  1. If the Commissioner has reason to believe that grounds for revocation or suspension of a license exist, the Commissioner shall give 20 days’ written notice to the licensee stating the contemplated action and, in general, the grounds therefor and set a date for a hearing.  2. At the conclusion of a hearing, the Commissioner shall:  (a) Enter a written order either dismissing the charges, revoking the license or suspending the license for a period of not more than 60 days, which period must include any prior temporary suspension. The Commissioner shall send a copy of the order to the licensee by registered or certified mail.  (b) Impose upon the licensee an administrative fine of not more than $10,000 for each violation by the licensee of any provision of this chapter or any regulation adopted pursuant thereto.  (c) If a fine is imposed pursuant to this section, enter such order as is necessary to recover the costs of the proceeding, including investigative costs and attorney’s fees of the Commissioner.  3. The grounds for revocation or suspension of a license are that:  (a) The licensee has failed to pay the annual license fee;  (b) The licensee, either knowingly or without any exercise of due care to prevent it, has violated any provision of this chapter or any lawful regulation adopted pursuant thereto;  (c) The licensee has failed to pay a tax as required pursuant to the provisions of chapter 363A or 363C of NRS;  (d) Any fact or condition exists which would have justified the Commissioner in denying the licensee’s original application for a license pursuant to the provisions of this chapter; or  (e) The licensee:  (1) Failed to open an office for the conduct of the business authorized by his or her license within 180 days after the date the license was issued; or  (2) Has failed to remain open for the conduct of the business for a period of 180 days without good cause therefor.  4. Any revocation or suspension applies only to the license granted to a person for the particular office for which grounds for revocation or suspension exist.  5. An order suspending or revoking a license becomes effective 5 days after being entered unless the order specifies otherwise or a stay is granted.  (Added to NRS by 2005, 1707; A 2005, 22nd Special Session, 100; 2015, 2933)
NV Rev Stat § 604A.830 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.830 - Additional grounds for disciplinary action.

In addition to any other lawful reasons, the Commissioner may suspend or revoke a license if the licensee has engaged in any act that would be grounds for denying a license pursuant to this chapter.  (Added to NRS by 2005, 1707)
NV Rev Stat § 604A.840 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.840 - Surrender of license by licensee; effect of surrender.

A licensee may surrender any license issued pursuant to the provisions of this chapter by delivering it to the Commissioner with written notice of its surrender, but a surrender does not affect the licensee’s civil or criminal liability for acts committed prior thereto.  (Added to NRS by 2005, 1708)
NV Rev Stat § 604A.850 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.850 - Preexisting contracts unaffected by revocation, suspension, expiration or surrender of license.

A revocation, suspension, expiration or surrender of any license does not impair or affect the obligation of any preexisting lawful loan agreement between the licensee and any customer. Such a loan agreement and all lawful charges thereon may be collected by the licensee, its successors or assigns.  (Added to NRS by 2005, 1708)
NV Rev Stat § 604A.900 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.900 - Remedies for certain willful violations.

  1. Except as otherwise provided in this section, if a licensee willfully:  (a) Enters into a loan agreement for an amount of interest or any other charge or fee that violates the provisions of this chapter or any regulation adopted pursuant thereto;  (b) Demands, collects or receives an amount of interest or any other charge or fee that violates the provisions of this chapter or any regulation adopted pursuant thereto; or  (c) Commits any other act or omission that violates the provisions of this chapter or any regulation adopted pursuant thereto,  the loan is void and the licensee is not entitled to collect, receive or retain any principal, interest or other charges or fees with respect to the loan.  2. The provisions of this section do not apply if:  (a) A licensee shows by a preponderance of the evidence that the violation was not intentional and resulted from a bona fide error of computation, notwithstanding the maintenance of procedures reasonably adapted to avoid that error; and  (b) Within 60 days after discovering the error, the licensee notifies the customer of the error and makes whatever adjustments in the account are necessary to correct the error.  (Added to NRS by 2005, 1708)
NV Rev Stat § 604A.910 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.910 - Administrative fines for unlicensed activity.

In addition to any other remedy or penalty, the Commissioner may impose an administrative fine of not more than $50,000 upon a person who, without a license, conducts any business or activity for which a license is required pursuant to the provisions of this chapter.  (Added to NRS by 2005, 1709; A 2005, 22nd Special Session, 101)
NV Rev Stat § 604A.920 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.920 - Other remedies for unlicensed activity.

If a person operates a check-cashing service, deferred deposit loan service, high-interest loan service or title loan service without obtaining a license pursuant to this chapter:  1. Any contracts entered into by that person for the cashing of a check or for a deferred deposit loan, high-interest loan or title loan are voidable by the other party to the contract; and  2. In addition to any other remedy or penalty, the other party to the contract may bring a civil action against the person pursuant to NRS 604A.930.  (Added to NRS by 2005, 22nd Special Session, 101; A 2007, 943)
NV Rev Stat § 604A.940 (2021)
2021 Nevada Revised Statutes|Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services|NRS 604A.940 - Exercise of jurisdiction over party to civil action; service of summons to confer jurisdiction.

  1. A court of this State may exercise jurisdiction over a party to a civil action arising under the provisions of this chapter on any basis not inconsistent with the Constitution of the State of Nevada or the Constitution of the United States.  2. Personal service of summons upon a party outside this State is sufficient to confer upon a court of this State jurisdiction over the party so served if the service is made by delivering a copy of the summons, together with a copy of the complaint, to the party served in the manner provided by statute or rule of court for service upon a person of like kind within this State.  3. In all cases of such service, the defendant has 40 days, exclusive of the day of service, within which to answer or plead.  4. This section provides an additional manner of serving process and does not invalidate any other service.  (Added to NRS by 2005, 1708)
NV Rev Stat § 604B.010 (2021)
2021 Nevada Revised Statutes|Chapter 604B - Refund Anticipation Loans|NRS 604B.010 - Definitions.

As used in this chapter, unless the context otherwise requires, the words and terms defined in NRS 604B.020 to 604B.120, inclusive, have the meanings ascribed to them in those sections.  (Added to NRS by 2005, 1643)
NV Rev Stat § 604B.020 (2021)
2021 Nevada Revised Statutes|Chapter 604B - Refund Anticipation Loans|NRS 604B.020 - "Customer" defined.

Customer means a person who, in connection with the preparation or filing of a tax return, applies for a refund anticipation loan or receives the proceeds of a refund anticipation loan.  (Added to NRS by 2005, 1643)
NV Rev Stat § 604B.030 (2021)
2021 Nevada Revised Statutes|Chapter 604B - Refund Anticipation Loans|NRS 604B.030 - "Facilitator of a refund anticipation loan" or "facilitator" defined.

  1. "Facilitator of a refund anticipation loan" or "facilitator" means a person who:  (a) Receives or accepts for delivery an application for a refund anticipation loan;  (b) Delivers a check in payment of the proceeds of a refund anticipation loan; or  (c) In any other manner, acts to allow or facilitates the offering or making of a refund anticipation loan.  2. The term includes, without limitation, a tax preparer who engages in any of the acts described in subsection 1.  3. The term does not include:  (a) A bank, thrift, savings association, industrial bank or credit union operating under the laws of the United States or this State;  (b) An affiliate, other than a tax preparer, that is a servicer for such an entity; or  (c) Any person who acts solely as an intermediary and does not deal with a customer in the making of a refund anticipation loan.  (Added to NRS by 2005, 1643)
NV Rev Stat § 604B.040 (2021)
2021 Nevada Revised Statutes|Chapter 604B - Refund Anticipation Loans|NRS 604B.040 - Internal Revenue Service" defined.

Internal Revenue Service means the Internal Revenue Service of the United States Department of the Treasury.  (Added to NRS by 2005, 1643)
NV Rev Stat § 604B.050 (2021)
2021 Nevada Revised Statutes|Chapter 604B - Refund Anticipation Loans|NRS 604B.050 - "Lender" defined.

Lender means a person who offers to extend or extends credit to a customer in the form of a refund anticipation loan.  (Added to NRS by 2005, 1643)
NV Rev Stat § 604B.060 (2021)
2021 Nevada Revised Statutes|Chapter 604B - Refund Anticipation Loans|NRS 604B.060 - "Refund anticipation loan" defined.

  1. "Refund anticipation loan" means a loan offered or made to a customer by a lender or through a facilitator based on the customer’s anticipated federal income tax refund.  2. The term includes, without limitation, a refund anticipation loan offered or made using electronic commerce.  (Added to NRS by 2005, 1643)
NV Rev Stat § 604B.070 (2021)
2021 Nevada Revised Statutes|Chapter 604B - Refund Anticipation Loans|NRS 604B.070 - "Refund anticipation loan fee" defined.

  1. "Refund anticipation loan fee" means any fee, charge or other consideration imposed by a lender or a facilitator for a refund anticipation loan.  2. The term does not include any fee, charge or other consideration usually imposed by a facilitator in the ordinary course of business for nonloan services, such as fees for preparing tax returns and fees for the electronic filing of tax returns.  (Added to NRS by 2005, 1643)
NV Rev Stat § 604B.080 (2021)
2021 Nevada Revised Statutes|Chapter 604B - Refund Anticipation Loans|NRS 604B.080 - "Refund anticipation loan fee schedule" defined.

  1. "Refund anticipation loan fee schedule" means a listing or table of refund anticipation loan fees charged by a lender or a facilitator for three or more representative refund anticipation loan amounts.  2. A refund anticipation loan fee schedule must:  (a) List separately each fee or charge imposed and a total of all fees and charges imposed which are related to the making of refund anticipation loans; and  (b) Include, for each representative loan amount, the estimated annual percentage rate calculated under the guidelines established by the Truth in Lending Act and Regulation Z.  (Added to NRS by 2005, 1643)
NV Rev Stat § 604B.090 (2021)
2021 Nevada Revised Statutes|Chapter 604B - Refund Anticipation Loans|NRS 604B.090 - "Regulation Z" defined.

Regulation Z means the federal regulations, as amended, 12 C.F.R. Part 226, adopted pursuant to the Truth in Lending Act and commonly known as Regulation Z.  (Added to NRS by 2005, 1644)
NV Rev Stat § 604B.100 (2021)
2021 Nevada Revised Statutes|Chapter 604B - Refund Anticipation Loans|NRS 604B.100 - "Tax preparer" defined.

Tax preparer means a person who engages in the business of preparing or filing tax returns for any fee, charge or other consideration.  (Added to NRS by 2005, 1644)
NV Rev Stat § 604B.110 (2021)
2021 Nevada Revised Statutes|Chapter 604B - Refund Anticipation Loans|NRS 604B.110 - Tax return" defined.

Tax return means a federal income tax return.  (Added to NRS by 2005, 1644)
NV Rev Stat § 604B.120 (2021)
2021 Nevada Revised Statutes|Chapter 604B - Refund Anticipation Loans|NRS 604B.120 - "Truth in Lending Act" defined.

Truth in Lending Act means the federal Truth in Lending Act, as amended, 15 U.S.C. §§ 1601 et seq.  (Added to NRS by 2005, 1644)
NV Rev Stat § 604B.200 (2021)
2021 Nevada Revised Statutes|Chapter 604B - Refund Anticipation Loans|NRS 604B.200 - Posting of fee schedule.

A facilitator of a refund anticipation loan shall post the refund anticipation loan fee schedule used by the facilitator in a conspicuous place in every location at which the facilitator conducts business.  (Added to NRS by 2005, 1644)