reglab/housing_qa huggingface dataset:
OR Rev Stat § 646A.168 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.168 - Assessment fee; rules; purpose; registration fee.

(1) Each obligor that issues a service contract to a resident of this state shall pay an assessment not to exceed $1,000 to the Director of the Department of Consumer and Business Services for the purpose of supporting the legislatively authorized budget of the department for administering ORS 646A.150 to 646A.172, 742.390 and 742.392. The director shall determine by rule the basis of assessment, the amount or rate of assessment and when assessments shall be paid. (2) The fee prescribed by the director for registration under ORS 646A.154 shall not exceed $200 per obligor per year. [Formerly 646.281]
OR Rev Stat § 646A.170 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.170 - Remedies not exclusive.

The application of any remedy under any provision of ORS 646A.150 to 646A.172, 742.390 and 742.392 shall not preclude the application of any other remedy under ORS 646A.150 to 646A.172, 742.390 and 742.392 or any other provision of law. The application of any remedy under any provision of law shall not preclude the application of any remedy under ORS 646A.150 to 646A.172, 742.390 and 742.392. [Formerly 646.283]
OR Rev Stat § 646A.172 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.172 - Rules; exemption of certain obligors.

(1) The Director of the Department of Consumer and Business Services may adopt rules necessary to implement ORS 646A.150 to 646A.172. (2) The director may by rule exempt certain obligors or service contract sellers or specific classes of service contracts that are not otherwise exempt under ORS 646A.150 (2) from any provision of ORS 646A.150 to 646A.172, 742.390 and 742.392. The director may include in the rules substitute requirements on a finding that a particular provision of ORS 646A.150 to 646A.172, 742.390 and 742.392 is not necessary for the protection of the public or that the substitute requirement is reasonably certain to provide equivalent protection to the public. [Formerly 646.285]
OR Rev Stat § 646A.200 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.200 - Definitions for ORS 646A.202 and 646A.204.

As used in ORS 646A.202 and 646A.204: (1) "Credit card" has the meaning given that term in ORS 646A.212. (2) "Debit card" has the meaning given "debit instrument" in 15 U.S.C. 1693n. [Formerly 646.886]
OR Rev Stat § 646A.202 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.202 - Payment processing systems.

A person may not sell, lease or rent a payment processing system that provides a customer receipt that shows more information about a customer than the customer’s name and five digits of the customer’s credit or debit card number. [Formerly 646.887]
OR Rev Stat § 646A.204 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.204 - Customer information.

(1) In a credit or debit card transaction with a customer, a person may not create a customer receipt that shows more information about a customer than the customer’s name and five digits of the customer’s credit or debit card number. (2) A person that creates or retains a copy of a receipt containing more information about a customer than the customer’s name and five digits of the customer’s credit or debit card number shall shred, incinerate or otherwise destroy the copy on or before the sooner of: (a) The date the image of the copy is transferred onto microfilm or microfiche; or (b) Thirty-six months after the date of the transaction that created the copy. [Formerly 646.888]
OR Rev Stat § 646A.206 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.206 - Rules.

The Attorney General may adopt rules under ORS chapter 183 to carry out the provisions of ORS 646A.200, 646A.202 and 646A.204. [Formerly 646.889]
OR Rev Stat § 646A.210 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.210 - Requiring credit card number as condition for accepting check or share draft prohibited; exceptions.

(1) A person shall not require as a condition of acceptance of a check or share draft, or as a means of identification, that the person presenting the check or share draft provide a credit card number or expiration date, or both, unless the credit is issued by the person requiring the information. (2) Subsection (1) of this section shall not prohibit a person from: (a) Requesting a person presenting a check or share draft to display a credit card as indicia of creditworthiness and financial responsibility or as a source of additional identification; (b) Recording the type of credit card and the issuer of the credit card displayed by the person under paragraph (a) of this subsection; (c) Requesting or receiving a credit card number or expiration date, or both, and recording the number or date, or both, in lieu of a security deposit to assure payment in event of default, loss, damage or other occurrence; (d) Recording a credit card number or expiration date, or both, as a condition for acceptance of a check or share draft where the card issuer guarantees checks or share drafts presented by the cardholder upon the condition that the person to whom the check is presented records the card number or expiration date, or both, on the check or share draft; (e) Requesting and recording the name, address, motor vehicle operator license number or state identification card number and telephone number of a person offering payment by check; or (f) Verifying the signature, name and expiration date on a credit card. (3) This section does not require acceptance of a check or share draft whether or not a credit card is presented. (4) For purposes of this section, "person" means any individual, corporation, partnership or association. [Formerly 646.892]
OR Rev Stat § 646A.212 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.212 - "Credit card" defined.

As used in ORS 646A.210 and 646A.214, "credit card" has the meaning given that term under the federal Consumer Credit Protection Act (P.L. 90-321, 82 Stat. 146, 15 U.S.C. 1602). [Formerly 646.893]
OR Rev Stat § 646A.214 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.214 - Verification of identity in credit or debit card transactions.

(1) A merchant that accepts a credit card or debit card for a transaction may require that the credit card or debit card holder provide personal information, other than the personal information that appears on the face of the credit card or debit card, for the purposes of verification of the card holder’s identity. The merchant may not write the information on the credit card or debit card transaction form. (2) This section may not be construed to prevent a merchant from requesting and keeping in written form information necessary for shipping, delivery or installation of purchased goods or services, or for warranty when the information is provided voluntarily by a credit card or debit card holder. (3) Any provision in a contract between a merchant and a credit card or debit card issuer, financial institution or other person that prohibits the merchant from verifying the identity of a person who presents a credit card or debit card in payment for goods or services by requiring or requesting identification is contrary to public policy and void. (4) Nothing in this section may be construed to: (a) Compel a merchant to verify the identity of a person who presents a credit card or debit card in payment for goods or services; or (b) Interfere with the ability of a merchant to make and enforce policies regarding verification of the identity of a person who presents a credit card or debit card in payment for goods or services. (5) As used in this section, "merchant" means a person who, in the ordinary course of that person’s business, permits persons to present credit cards or debit cards in payment for goods or services. [Formerly 646.894]
OR Rev Stat § 646A.220 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.220 - Credit card solicitation; required disclosure; definitions.

(1) Every solicitation for the issuance of a credit card shall disclose the following information concerning the credit card account: (a) The annual percentage rate or rates applicable to the credit card account. If the rate or rates are variable, the solicitation shall disclose that fact and shall further disclose either the rate or rates on a specified date or the index from which the rate or rates are determined. (b) Any minimum, fixed, transaction, activity or similar charge that could be imposed in connection with any use of the credit card. (c) Any annual or periodic membership or participation fee that may be imposed for the availability, issuance or renewal of the credit card. (d) Whether or not any time period is provided within which any credit extended through the use of the credit card may be repaid without incurring a finance charge, and a description of any such time period. (2) As used in this section: (a) "Card issuer," "credit card," "credit," "annual percentage rate" and "finance charge" have the meanings given those terms under the federal Consumer Credit Protection Act (P.L. 90-321, 82 Stat. 146, 15 U.S.C. 1601). (b) "Reasonable time" means the period beginning at the time of publication of a magazine, newspaper or other publication and ending at the time of the next publication of the magazine, newspaper or other publication, but in no case shall the period exceed 90 days following the date of publication. (c) "Solicitation" means printed material primarily offering to issue a credit card including printed material mailed directly to a person by name that contains an application for or an offer to issue a credit card in the person’s name, application materials available at the credit card issuer’s place of business or other locations or application materials, printed advertisements or other printed information or materials contained in a magazine, newspaper or other publication which shall be considered current at the time of publication and for a reasonable time thereafter. "Solicitation" does not include material which only refers to credit cards as one of the services provided by the issuer nor does it include offers made by radio or television or through a catalog. "Solicitation" does not include an incidental reference to a credit card in the printed material. [Formerly 646.895]
OR Rev Stat § 646A.222 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.222 - Charge card solicitation; required disclosure; definitions.

(1) A charge card solicitation shall disclose clearly and conspicuously the annual fees and other charges, if any, applicable to the issuance or use of the charge card. (2) As used in this section: (a) "Charge card" means any card, plate or other credit device under which the issuer of the charge card extends credit to the card holder that is not subject to a finance charge and the card holder does not have automatic access to credit repayable in installments. (b) "Reasonable time" means the period beginning at the time of publication of a magazine, newspaper or other publication and ending at the time of the next publication of the magazine, newspaper or other publication, but in no case shall the period exceed 90 days following the date of publication. (c) "Solicitation" means printed material primarily offering to issue a charge card including printed material mailed directly to a person by name that contains an application for or an offer to issue a charge card in the person’s name, application materials available at the charge card issuer’s place of business or other locations or application materials, printed advertisements or other printed information or materials contained in a magazine, newspaper or other publication which shall be considered current at the time of publication and for a reasonable time thereafter. "Solicitation" does not include material which only refers to charge cards as one of the services provided by the issuer nor does it include offers made by radio or television or through a catalog. "Solicitation" does not include an incidental reference to a charge card in the printed material. [Formerly 646.897]
OR Rev Stat § 646A.230 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.230 - Action by Attorney General or district attorney; civil and criminal penalties.

(1)(a) The Attorney General or a district attorney may bring an action in the name of the state against a person to restrain and prevent a violation of ORS 646A.202, 646A.204, 646A.220 or 646A.222. (b) The Attorney General or a district attorney may in the name of the state seek and obtain a civil penalty from a person that violates an order or injunction issued pursuant to this subsection. (2)(a) A person that violates an order or injunction issued pursuant to subsection (1) of this section shall forfeit and pay a civil penalty of not more than $1,000 per violation. The circuit court issuing the order or injunction retains jurisdiction of the action to consider a request for a civil penalty. (b) In an action that a prosecuting attorney brings under this section, the court may award the prevailing party, in addition to any other relief provided by law, reasonable attorney fees at trial and on appeal. (3) A person that willfully and intentionally violates a provision of ORS 646A.220 to 646A.230 commits a Class B misdemeanor. Violation of an order or injunction issued under subsection (1) of this section constitutes prima facie proof of a violation of a provision of ORS 646A.220 to 646A.230. [Formerly 646.899; 2017 c.141 §5]
OR Rev Stat § 646A.232 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.232 - Effect of compliance with federal law.

A person who is in compliance with the requirements of the Fair Credit and Charge Card Disclosure Act, (Public Law 100-583), shall also be considered in compliance with the requirements of ORS 646A.220 and 646A.222. [Formerly 646.901]
OR Rev Stat § 646A.240 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.240 - Treatment of child support obligations by creditor in applications for extensions of credit.

In evaluating applications for extensions of credit, a creditor may not: (1) Treat an applicant’s obligation to pay child support more adversely than the creditor treats or would treat another obligation for the same amount, terms and duration as the child support obligation; or (2) Deny an application solely because the applicant used the applicant’s business address instead of the applicant’s residential address if a law of this state or a local government ordinance permits the applicant to use a business address in lieu of a residential address. [Formerly 646.861; 2009 c.183 §1]
OR Rev Stat § 646A.242 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.242 - "Creditor" defined.

As used in ORS 646A.240 to 646A.244, "creditor" means a person who, in the ordinary course of the person’s business, regularly permits debtors to defer payment of their debts, or to incur debt and defer the payment thereof, and in either case, to pay the same with a finance charge or in more than four installments. [Formerly 646.863]
OR Rev Stat § 646A.244 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.244 - Cause of action for violation of ORS 646A.240; injunction; attorney fees; defenses.

(1) Except as provided in subsection (2) of this section, a person who is adversely affected by a creditor’s violation of ORS 646A.240 shall have a cause of action to recover compensatory damages against the creditor and may also apply to a court for an injunction to prevent the creditor’s further violation of ORS 646A.240. If the damages are awarded, or an injunction granted, the person shall be entitled to reasonable attorney fees at trial and on appeal, as determined by the court in addition to costs and necessary disbursements. (2) A creditor shall have no liability for compensatory damages, attorney fees or otherwise and no injunction shall issue: (a) Where the creditor shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adopted to avoid any such error; or (b) Where in violating ORS 646A.240, the creditor shows by a preponderance of evidence that it acted in good faith, in conformity with any statute, law, ordinance, rule, regulation, administrative interpretation or judicial determination then applicable to the transaction in question. [Formerly 646.865]
OR Rev Stat § 646A.274 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.274 - Definitions for ORS 646A.276 and 646A.278.

As used in ORS 646A.276 and 646A.278: (1)(a) "Gift card" means a prefunded record evidencing a promise that the issuer will provide goods or services to the owner of the record in the amount shown in the record. (b) "Gift card" does not mean prepaid telephone calling cards, prepaid commercial mobile radio services as defined in 47 C.F.R. 20.3, any gift card usable with more than one seller of goods or services or prepaid transportation cards. (2) "Prepaid transportation card" means any prefunded record evidencing a promise that one or more units of state or local government of any state will provide to the owner or holder of the record, in the amount shown in the record, transportation services that may include but are not limited to the use of a transit system, road or bridge access, use of the transportation system of a transportation district and parking access. [2007 c.772 §1; 2016 c.58 §2]
OR Rev Stat § 646A.276 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.276 - Sale of gift card that expires, declines in value, includes fee or does not give option to redeem.

(1) Except as provided in subsection (2) of this section and ORS 646A.278, a person may not sell a gift card: (a) That has an expiration date; (b) That has a face value that declines as a result of the passage of time or the lack of use of the card; (c) That has a fee related to the card, including, but not limited to, an inactivity fee, a maintenance fee or a service fee; or (d) That does not give the cardholder the option to redeem the card for cash when the face value of the card has declined to an amount less than $5 and the card has been used for at least one purchase. For purposes of this paragraph, "cash" means money or a check. (2) Subsection (1)(d) of this section does not apply to: (a) Gift cards that have been given for free or less than full consideration to a person or entity as a donation or as part of a promotional offer; (b) Gift cards issued by an entity that provides services that are subject to the federal Communications Act of 1934 (47 U.S.C. 151 et seq.); and (c) Gift cards redeemed to an online account for the purchase of goods or services. (3) Redemption under subsection (1)(d) of this section may be obtained only from the provider of goods or services indicated on the gift card regardless of whether the provider is the issuer of the gift card. [2007 c.772 §2; 2011 c.336 §1]
OR Rev Stat § 646A.278 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.278 - Requirements for sale of gift card that expires.

A person may sell a gift card that has an expiration date if: (1) The gift card bears, in at least 10-point type, the words "EXPIRES ON" or "EXPIRATION DATE" followed by the date on which the card expires; (2) The person sells the gift card at a cost below the face value of the card; and (3) The gift card does not expire until at least 30 days after the date of sale. [2007 c.772 §3]
OR Rev Stat § 646A.280 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.280 - Definitions for ORS 646A.280 to 646A.290.

As used in ORS 646A.280 to 646A.290: (1) "Invoice" means a document containing an itemized list of previously ordered goods or services and an amount or amounts of money owed by the recipient of the document. (2) "Recipient" means the person to whom an invoice or simulated invoice is uttered. (3) "Simulated invoice" means a document containing an itemized list of unordered goods or services and an amount or amounts of money to be paid by the recipient of the document. (4) "Utter" has the meaning given in ORS 165.002. [Formerly 646.291]
OR Rev Stat § 646A.282 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.282 - Simulated invoices prohibited.

It is unlawful for any person to utter a simulated invoice if: (1) A reasonable recipient could, under all the circumstances of its receipt, mistake the simulated invoice for an invoice; or (2) The person knows or reasonably should know that a recipient could mistake the simulated invoice for an invoice. [Formerly 646.293]
OR Rev Stat § 646A.284 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.284 - Cause of action by Attorney General; judgment; attorney fees.

(1) The Attorney General shall have a cause of action against any person who violates ORS 646A.282. (2) If the Attorney General prevails, the court shall enter judgment against the defendant for: (a) Each simulated invoice uttered in this state, for the greater of: (A) Three times the amount stated in the simulated invoice; or (B) $500; (b) Such orders or judgments as may be necessary to restore to any person any moneys of which the person was deprived by any conduct in violation of ORS 646A.282; and (c) Such orders or judgments as may be necessary to ensure cessation of conduct in violation of ORS 646A.282. (3) The court may award reasonable attorney fees to the prevailing party in an action under this section. (4) All sums of money received by the Department of Justice under a judgment, settlement or compromise in an action or potential action brought under this section, shall, upon receipt, be deposited with the State Treasurer to the credit of the Department of Justice Protection and Education Revolving Account established pursuant to ORS 180.095. [Formerly 646.296; 2009 c.820 §3]