reglab/housing_qa huggingface dataset:
MS Code § 75-9-807 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 9 - Uniform Commercial Code-Secured Transactions|Part 8 - . Transition Provisions for 2013 Amendments|§ 75-9-807. Amendment of pre-effective-date financing statement

 In this section, "pre-effective-date financing statement" means a financing statement filed before July 1, 2013.   After July 1, 2013, a person may add or delete collateral covered by, continue or terminate the effectiveness of, or otherwise amend the information provided in, a pre-effective-date financing statement only in accordance with the law of the jurisdiction governing perfection as provided in Article 9 as amended by Chapter 451, Laws of 2013. However, the effectiveness of a pre-effective-date financing statement may also be terminated in accordance with the law of the jurisdiction in which the financing statement is filed.   Except as otherwise provided in subsection (d), if the law of this state governs perfection of a security interest, the information in a pre-effective-date financing statement may be amended after July 1, 2013, only if:    The pre-effective-date financing statement and an amendment are filed in the office specified in Section 75-9-501;   An amendment is filed in the office specified in Section 75-9-501 concurrently with, or after the filing in that office of, an initial financing statement that satisfies Section 75-9-806(c); or   An initial financing statement that provides the information as amended and satisfies Section 75-9-806(c) is filed in the office specified in Section 75-9-501.    If the law of this state governs perfection of a security interest, the effectiveness of a pre-effective-date financing statement may be continued only under Section 75-9-805(c) and (e) or 75-9-806.   Whether or not the law of this state governs perfection of a security interest, the effectiveness of a pre-effective-date financing statement filed in this state may be terminated after July 1, 2013, by filing a termination statement in the office in which the pre-effective-date financing statement is filed, unless an initial financing statement that satisfies Section 75-9-806(c) has been filed in the office specified by the law of the jurisdiction governing perfection as provided in Article 9 as amended by Chapter 451, Laws of 2013, as the office in which to file a financing statement.
MS Code § 75-9-808 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 9 - Uniform Commercial Code-Secured Transactions|Part 8 - . Transition Provisions for 2013 Amendments|§ 75-9-808. Person entitled to file initial financing statement or continuation statement

 A person may file an initial financing statement or a continuation statement under this part if:    The secured party of record authorizes the filing; and   The filing is necessary under this part:    To continue the effectiveness of a financing statement filed before July 1, 2013; or   To perfect or continue the perfection of a security interest.
MS Code § 75-9-809 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 9 - Uniform Commercial Code-Secured Transactions|Part 8 - . Transition Provisions for 2013 Amendments|§ 75-9-809. Priority

 Chapter 451, Laws of 2013, determines the priority of conflicting claims to collateral. However, if the relative priorities of the claims were established before July 1, 2013, Article 9 as it existed before amendment determines priority.
MS Code § 75-17-3 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 17 - Interest, Finance Charges, and Other Charges|General Provisions|§ 75-17-3. Evasion of six percent interest law; interest forfeited if higher rate secretly exacted

 If any person shall lend to another any sum of money and take any note or evidence of debt which shall stipulate a rate of interest not greater than six (6) per centum per annum after the date of the loan or after maturity, but who shall in fact contract for, charge, collect or receive as compensation or consideration for, or as the result of, such loan, directly or indirectly, a sum of money in excess of six (6) per centum per annum from the date of the loan, or a sum of money when taken with the interest contracted for, is in excess of six (6) per centum per annum from the date of the loan, such person shall forfeit all interest, and if the interest shall have been paid, same may be recovered by suit.
MS Code § 75-17-5 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 17 - Interest, Finance Charges, and Other Charges|General Provisions|§ 75-17-5. Discount, interest, bank issues

 The issues, bills, notes, bonds, or certificates of deposit of any bank, corporation, or association of persons formed for banking purposes, or possessing banking privileges, situated within or without the limits of this state, shall not be loaned in this state by any agent, officer or person employed by, or having any interest in or connection with, any such bank, corporation, or association of persons, at a greater rate of discount or interest than is allowed by the laws of this state. All contracts and agreements made in violation of the provisions of this section shall, as to the whole of the discount or interest allowed or paid, or agreed to be allowed or paid, be void, and the discount or interest may be recovered back by the person suffering such discount or paying such interest.
MS Code § 75-17-7 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 17 - Interest, Finance Charges, and Other Charges|General Provisions|§ 75-17-7. Interest on judgments and decrees

 All judgments or decrees founded on any sale or contract shall bear interest at the same rate as the contract evidencing the debt on which the judgment or decree was rendered. All other judgments or decrees shall bear interest at a per annum rate set by the judge hearing the complaint from a date determined by such judge to be fair but in no event prior to the filing of the complaint.
MS Code § 75-17-9 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 17 - Interest, Finance Charges, and Other Charges|General Provisions|§ 75-17-9. Partial payments applied

 When partial payments are made, the interest that has accrued to the time of payment, if any, shall be first paid, and the residue of such partial payment shall be placed to the payment of the principal, except that the parties may agree in writing that such partial payment, or any portion thereof, shall be applied first to the payment of principal, in which case the residue shall be applied to the payment of interest that has accrued to the time of payment.
MS Code § 75-17-11 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 17 - Interest, Finance Charges, and Other Charges|General Provisions|§ 75-17-11. Rate of interest, amount of finance charge or rate of finance charge where specified to be paid at period of less than one year; payment earlier than final maturity; computation of interest upon prepayment of note; usurious rates; notes containing final balloon payment

 When any particular rate of interest per annum or amount of finance charge or rate of finance charge is specified in any contract, note or evidence of indebtedness, it shall not be construed as any increase of said rate of interest or amount of finance charge or rate of finance charge merely that the interest at the specified rate per annum or amount of finance charge or rate of finance charge is stipulated to be paid quarterly, or semiannually, or at any other period less than a year, nor shall the fact that the principal and interest or finance charge is paid at a date earlier than the final maturity date of the contract, note or evidence of indebtedness be taken as any increase of the rate per centum or amount of finance charge or rate of finance charge although paid for the whole period of the contract, note or evidence of indebtedness and regardless of whether or not there is a contractual right of prepayment. Upon prepayment of any contract, note or evidence of indebtedness with the agreement of the lender or holder of such contract, note or evidence of indebtedness before final maturity, whether voluntarily, involuntarily by acceleration or otherwise, and whether by cash, renewal or otherwise, any rebate of interest or finance charge may be computed by the sum of the digits method, commonly referred to as the Rule of 78's method, by the actuarial method, or by the simple interest method. The use of any such method to compute a rebate of interest or finance charge shall not be considered or result in any penalty, prepayment or otherwise, nor be deemed to increase the yield, annual percentage rate, amount of finance charge, rate of finance charge, amount of interest charge, or rate of interest charge. Any such contract, note, or evidence of indebtedness and all provisions thereof shall be valid for the amount of the principal, interest, and finance charges contracted for or received, and such contract, note or evidence of indebtedness shall not be held usurious. However, with respect to a note containing a final balloon payment provision originally payable to a bank and executed after July 1, 1990, the Rule of 78's method may not be used to compute any rebate of finance charges that may be due upon prepayment if the resulting yield would be usurious.
MS Code § 75-17-13 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 17 - Interest, Finance Charges, and Other Charges|General Provisions|§ 75-17-13. Liability for issuance of unsolicited credit cards; penalty for collection of excessive finance charge

 If any credit card is issued to a person who has not requested or accepted by use the issuance of such credit card, the issuer shall be liable to the person whose name appears on the credit card for any damages or expenses, or both, including attorney's fees, which the person incurs due to the use of such credit card without permission of the person to whom it is issued by any person other than the person to whom it is issued or members of his immediate family. Any person who shall willfully collect finance charges under a revolving charge agreement in excess of the maximum permitted under Section 75-17-19 shall be guilty of a misdemeanor, and, upon conviction, may be fined not more than Five Hundred Dollars ($500.00). Each account on which such excess finance charges shall be collected shall constitute a separate offense.
MS Code § 75-17-15 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 17 - Interest, Finance Charges, and Other Charges|General Provisions|§ 75-17-15. Small Loan Regulatory Law and Small Loan Privilege Tax Law Licensees; default charge; application of payments

 Any licensee under the provisions of the Small Loan Regulatory Law (Section 75-67-101 et seq.), and the Small Loan Privilege Tax Law (Section 75-67-201 et seq.), may contract for and receive a default charge not to exceed five percent (5%) of that portion of an installment which continues unpaid for ten (10) days or more following the date such payment is due, including Sundays and holidays. In no case shall such default charge exceed five dollars ($5.00). Such default charge shall not be collected more than once on the same installment. For the purpose of this section, payments shall be applied first to current installments and then to delinquent installments.
MS Code § 75-17-17 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 17 - Interest, Finance Charges, and Other Charges|General Provisions|§ 75-17-17. Law governing loans made or credit extended prior to July 1, 1974

 Loans made and credit extended prior to July 1, 1974, shall continue to be governed by the provisions of laws governing such loans and extensions of credit which were in force at the time such loans or extensions of credit were made, including laws repealed hereby except that finance charges contracted for or received prior to July 1, 1974, shall not be unlawful if the finance charge contracted for or received conforms with the provisions of Chapter 564, Laws of 1974 or other law then in effect. Any loan or note renewed, refinanced, deferred or otherwise extended or altered on or after July 1, 1974, shall conform with the provisions of Sections 63-17-13, 75-17-1, 75-17-13 through 75-17-17, 75-67-127 and 75-67-217.
MS Code § 75-17-23 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 17 - Interest, Finance Charges, and Other Charges|General Provisions|§ 75-17-23. Maximum finance charges in connection with sales of factory manufactured moveable homes

 Notwithstanding any provision of law to the contrary, the maximum finance charge which may be contracted for or received for any loan or extension of credit made by any lender or by any retail seller in connection with sales of factory manufactured moveable homes may result in a yield not to exceed the following annual percentage rates calculated according to the actuarial method:   Twenty-five percent (25%) per annum on that part of the unpaid balance of the amount financed which does not exceed One Thousand Dollars ($1,000.00);   Eighteen percent (18%) per annum on that part of the unpaid balance of the amount financed which is more than One Thousand Dollars ($1,000.00) but does not exceed Two Thousand Five Hundred Dollars ($2,500.00);   The greater of fifteen percent (15%) per annum or five percent (5%) per annum above the discount rate, excluding any surcharge thereon, on ninety-day commercial paper in effect at the Federal Reserve bank in the Federal Reserve district where the lender or retail seller is located, on that part of the unpaid balance of the amount financed which is more than Two Thousand Five Hundred Dollars ($2,500.00).
MS Code § 75-17-27 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 17 - Interest, Finance Charges, and Other Charges|General Provisions|§ 75-17-27. Late payment charges

 A late payment charge, not exceeding Five Dollars ($5.00) or four percent (4%) of the amount of any delinquency, whichever is greater, if contracted for in writing, shall not be considered a finance charge, but no such charge shall be made unless such delinquency is more than fifteen (15) days past due; provided, however, that such late payment charge may be collected only one (1) time on a specific installment and no late payment charge may be collected on a partial payment resulting from the deduction of a late payment charge from a regular scheduled payment. On loans of One Hundred Thousand Dollars ($100,000.00) or less having a stated maturity of five (5) years or less, such late payment charge shall in no event exceed Fifty Dollars ($50.00).
MS Code § 75-17-29 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 17 - Interest, Finance Charges, and Other Charges|General Provisions|§ 75-17-29. Prohibition against use of multiple agreements to obtain excessive finance charge

 No lender or other person shall use multiple notes, accounts, contracts or agreements with intent to obtain a higher finance charge than permitted by law. If a finance charge be stipulated for or received in any case in violation of this section, all interest and finance charges shall be forfeited.
MS Code § 75-17-31 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 17 - Interest, Finance Charges, and Other Charges|General Provisions|§ 75-17-31. Limitations on prepayment penalties with respect to loans for certain real estate

 No lender or other person shall charge a sum or prepayment penalty for the prepayment of any note or evidence of a debt secured in whole or in part by lien on real estate greater than the following:   Five percent (5%) of the unpaid principal balance if prepaid during the first year;   Four percent (4%) of the unpaid principal balance if prepaid during the second year;   Three percent (3%) of the unpaid principal balance if prepaid during the third year;   Two percent (2%) of the unpaid principal balance if prepaid during the fourth year;   One percent (1%) of the unpaid principal balance if prepaid during the fifth year;   No penalty if prepaid more than five (5) years from date of the note creating the debt.   This section shall apply only to loans, the security for which is a lien on real estate comprising a single family dwelling or a single family condominium unit, or on real estate used primarily for agricultural or livestock purposes. This section shall not apply where a greater penalty is required by any law or regulation of the United States of America, or agency thereof. In addition, this section shall not apply to any agricultural loan made by an originator or a certified facility in accordance with 12 USCS Section 2279aa et seq. that is included in a pool for which the Federal Agricultural Mortgage Corporation has provided a guarantee.
MS Code § 75-17-33 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 17 - Interest, Finance Charges, and Other Charges|General Provisions|§ 75-17-33. Announcement of discount rates and indices by Commissioner of Banking and Consumer Finance; recording of maximum finance charge rates

 The Commissioner of Banking and Consumer Finance, upon any change in the discount rate on ninety-day commercial paper by the Federal Reserve bank of a Federal Reserve district of which this state is a part, shall (a) make an official announcement of the new discount rate on the same day as the change, or as soon thereafter as possible, (b) cause the dissemination of such announcement to the news media in such manner as he deems appropriate, and (c) file the same with the Commissioner of Insurance or his successor. The rate so determined shall be effective from the date of the official announcement of the new discount rate by the Commissioner of Banking and Consumer Finance. The Commissioner of Banking and Consumer Finance shall determine, on or before the twentieth day of each month, the index of market yields of the Monthly Twenty-Year Constant Maturity Index of Long-Term United States Government Bond Yields for the preceding calendar month and shall (a) make an official announcement of the index, (b) cause the dissemination of such announcement to the news media in such manner as he deems appropriate, and (c) file the same with the Commissioner of Insurance or his successor. The index so determined shall be effective on the first day of the next succeeding month.   In contracting for a finance charge pursuant to the provisions of Section 75-17-1 or Sections 75-17-21 and 75-17-23, any person shall be entitled to rely conclusively upon the most recent discount rate or index officially announced by the Commissioner of Banking and Consumer Finance. The Commissioner of Banking and Consumer Finance shall acquire, keep and maintain a separate record in which he shall note or post the maximum permissible rates of finance charges available under Section 75-17-1 and Sections 75-17-21 and 75-17-23. Each rate so determined shall be the maximum permissible rate of finance charge available under each particular section or subsection thereof, and when certified by the Commissioner of Banking and Consumer Finance shall be admissible in evidence or judicially noticed as the maximum permissible rate of finance charge under the provisions of that particular section or subsection.
MS Code § 75-17-35 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 17 - Interest, Finance Charges, and Other Charges|General Provisions|§ 75-17-35. Computation of interest on refunds of excess rates by public utilities

 Notwithstanding any provision of law to the contrary, the lawful rate of interest which shall be paid on a refund of excess rates by any public utility which has put rates into effect under bond, as provided for in Sections 77-3-39, 77-3-69 and 77-3-71, shall be computed from the date of collection until the date refunds are made and shall be equal to a rate which is two percent (2%) above the average discount rate for the total period under bond, excluding any surcharge thereon, on ninety-day commercial paper in effect at the Federal Reserve bank in the Federal Reserve district where the public utility has its principal place of business.
MS Code § 75-17-101 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 17 - Interest, Finance Charges, and Other Charges|Maximum Interest Rates on Public Borrowing|§ 75-17-101. Maximum interest rate on general obligation and limited obligation tax bonds

 Unless otherwise provided by law, general obligation and limited obligation tax bonds issued by the State of Mississippi or a county, municipality or political subdivision thereof and described in Sections 19-9-19, 21-33-315, 21-41-43, 37-27-65, 37-29-103, 37-29-109, 37-29-113, 37-59-27, 41-13-21, 51-29-63, 51-31-61, 51-33-37, 51-33-39, 57-1-29, 59-3-11, 59-5-45, 59-7-19, 59-7-109, 59-9-37, 59-9-65, 59-13-9, 61-5-17 and 65-19-25, Mississippi Code of 1972, shall not bear a greater overall maximum interest rate to maturity than eleven percent (11%) per annum.
MS Code § 75-17-103 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 17 - Interest, Finance Charges, and Other Charges|Maximum Interest Rates on Public Borrowing|§ 75-17-103. Maximum interest rate on revenue bonds

 Unless otherwise provided by law, revenue bonds issued by the State of Mississippi or a county, municipality or political subdivision thereof and described in Sections 17-17-115, 19-5-183, 19-29-33, 21-27-45, 21-27-71, 21-27-179, 29-3-169, 37-101-91, 37-101-93, 41-13-21, 43-33-25, 43-33-537, 43-35-21, 49-17-105, 51-35-331, 57-7-3, 57-31-9, 59-7-417, 59-7-505, 59-9-41, 61-3-41, 61-5-17, 65-13-37, 69-5-15, 77-5-27 and 77-5-739, Mississippi Code of 1972, shall not bear a greater overall maximum interest rate to maturity than thirteen percent (13%) per annum.
MS Code § 75-17-105 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 17 - Interest, Finance Charges, and Other Charges|Maximum Interest Rates on Public Borrowing|§ 75-17-105. Maximum interest rate on tax anticipation notes

 Unless otherwise provided by law, tax anticipation notes and reappraisal notes issued by the State of Mississippi or a county, municipality or political subdivision thereof and described in Sections 19-9-27, 19-13-17, 21-33-325, 21-33-325.1, 27-39-325, 37-29-101, 37-29-267, 37-29-425, 37-41-93, 37-59-37, 37-59-39, 37-59-41, 51-7-15, 51-7-27, 51-29-5 and 51-31-73, Mississippi Code of 1972, shall bear interest at a rate not to exceed eleven percent (11%) per annum.
MS Code § 75-17-107 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 17 - Interest, Finance Charges, and Other Charges|Maximum Interest Rates on Public Borrowing|§ 75-17-107. Maximum interest rate on interim financing in anticipation of confirmed grant or loan

 Unless otherwise provided by law, interim financing in anticipation of a confirmed grant or loan by the State of Mississippi or a county, municipality or political subdivision thereof and described in Sections 19-9-28 and 21-33-326, Mississippi Code of 1972, shall bear interest at a rate not to exceed nine percent (9%) per annum.
MS Code § 75-23-1 (2020)
2020 Mississippi Code|Title 75 - Regulation of Trade, Commerce and Investments|Chapter 23 - Fair Trade Laws|Article 1 - Unfair Cigarette Sales Law|§ 75-23-1. Unfair Cigarette Sales Law; title

 This article shall be known and may be cited as the "Unfair Cigarette Sales Law."