reglab/housing_qa huggingface dataset:
RI Gen L § 6-27-5 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-27 - Truth in Lending and Retail Selling|Section 6-27-5 - Consumer notes.

§ 6-27-5. Consumer notes.(a) If any contract between a retail seller and a retail buyer for the sale of consumer goods and services requires or involves the execution of a promissory note by a retail buyer in connection with an extension of credit by the retail seller, or by a creditor to whom the retail buyer was referred by the retail seller and to whom the retail seller regularly, as part of the ordinary conduct of its business and with the actual knowledge of the creditor, refers retail buyers for credit, the words "nonnegotiable consumer note" shall be placed prominently on the note and an assignee of a note with the words "nonnegotiable consumer note" appearing prominently on the note shall take the note subject to the claims and defenses permitted under § 6A-3-306, irrespective of whether or not the assignee qualifies as a "holder in due course" as defined in § 6A-3-302. For the purposes of this section "consumer goods" means tangible personal property used or bought for use primarily for personal, family, or household purposes.(b) A creditor who obtains a note from the maker in violation of this section shall be punished by a fine of not less than one hundred dollars ($100) nor more than five hundred dollars ($500).(c) If a note is obtained by a creditor from a maker in violation of this section, no finance, delinquency, collection, repossession, or refinancing charges may be recovered in any action or proceeding based on the contract for sale by the creditor and if the charges are recovered from a maker by a holder in due course, the maker may recover the charges from the creditor who violated the provisions of this section.(d) The provisions of this section shall not apply to any notes executed in connection with any financing that is insured under federal housing administration regulations.History of Section.P.L. 1968, ch. 147, § 1; P.L. 1969, ch. 170, § 1; as redesignated by P.L. 1970, ch. 223, § 1; P.L. 2014, ch. 528, § 17.
RI Gen L § 6-27-6 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-27 - Truth in Lending and Retail Selling|Section 6-27-6 - Regulations.

§ 6-27-6. Regulations.(a) The director shall prescribe any rules and regulations not inconsistent with this chapter that may be necessary or proper in carrying out its provisions.(b) It is the expressed intention of this legislature that if exemption from the law or regulation of the federal government of the disclosure class of credit transactions covered hereby cannot be affected, the laws of the federal government shall preempt the provisions of this chapter.History of Section.P.L. 1968, ch. 147, § 1; as redesignated by P.L. 1970, ch. 223, § 1.
RI Gen L § 6-27-7 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-27 - Truth in Lending and Retail Selling|Section 6-27-7 - Civil and criminal penalties.

§ 6-27-7. Civil and criminal penalties.(a) Any creditor who in connection with any credit transaction willfully imposes a finance charge in violation of § 6-27-4 or any regulation issued under § 6-27-4, shall be liable to the person in the amount of one hundred dollars ($100), or in an amount equal to twice the finance charge required by the creditor in connection with the transaction, whichever is the greater, except that the liabilities shall not exceed two thousand dollars ($2,000) on any credit transaction. An action to recover the penalty may be brought by the person within one year from the date of the occurrence of the violation, in any court of competent jurisdiction. In any action under this subsection in which any person is entitled to a recovery, the creditor shall be liable for reasonable attorney's fees and court costs as determined by the court.(b) Any person who willfully violates any provision of § 6-27-4 or any regulation issued under § 6-27-4 shall be fined not more than five hundred dollars ($500) or imprisoned not more than one year, or both.(c) Except as specified in subsection (a) of this section, nothing contained in this chapter or any regulation issued under this chapter shall affect the validity or enforceability of any contract or transaction.(d) No punishment or penalty provided by this chapter shall apply to the United States or any agency of the United States, or to any state, any political subdivision of a state, or any agency of any state or political subdivision.History of Section.P.L. 1968, ch. 147, § 1; as redesignated by P.L. 1970, ch. 223, § 1.
RI Gen L § 6-27-8 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-27 - Truth in Lending and Retail Selling|Section 6-27-8 - Severability.

§ 6-27-8. Severability.If any provision of this chapter or the application of any provision of this chapter to any person or circumstance is held unconstitutional, the remainder of this chapter and the application of the provision to other persons or circumstances shall not be affected thereby, and it shall be conclusively presumed that the legislature would have enacted the remainder of this chapter without the invalid or unconstitutional provision.History of Section.P.L. 1968, ch. 147, § 1; as redesignated by P.L. 1970, ch. 223, § 1.
RI Gen L § 6-27-9 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-27 - Truth in Lending and Retail Selling|Section 6-27-9 - Retail sales - Refunds.

§ 6-27-9. Retail sales — Refunds.(a) Except where a customer has been clearly informed by either a poster or other appropriate notice placed at the point of display or at the cash register or at the store entrance that all sales are final and that the merchandise is not returnable, wherever a customer who has paid cash for an item, and who has in his or her possession a sales slip or other evidence that he or she has purchased the item in a retail outlet, returns the item, unused, within ten (10) business days from the date of purchase, he or she shall be entitled to a refund in the same manner as paid in an amount equivalent to that paid at the time of sale.(b) This section shall not apply to the sale of books, magazines, or any publications; food; perishable items; merchandise that is substantially custom-made or custom-finished; items for internal consumption; items sold "as is"; or any items presently prohibited for refund, return, or exchange by a retailer by federal or state law or any rule or regulation promulgated by any state agency.(c) Any person, corporation, or entity, refusing or neglecting to post in accordance with subsection (a), shall be deemed guilty of a misdemeanor for each violation and shall be punished by a fine of not less than five hundred dollars ($500) or more than one thousand dollars ($1,000).History of Section.P.L. 1975, ch. 180, § 1; P.L. 1980, ch. 281, § 1; P.L. 1994, ch. 174, § 1; P.L. 1994, ch. 299, § 1; P.L. 1995, ch. 177, § 1; P.L. 2004, ch. 299, § 1; P.L. 2014, ch. 528, § 17.
RI Gen L § 6-28-1 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-28 - Door-to-Door Sales|Section 6-28-1 - Short title.

§ 6-28-1. Short title.This chapter may be known and cited as the "Door-to-Door Sales Act."History of Section.P.L. 1995, ch. 52, § 1.
RI Gen L § 6-28-3 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-28 - Door-to-Door Sales|Section 6-28-3 - Right to cancel - Method.

§ 6-28-3. Right to cancel — Method.In addition to any right otherwise to revoke an offer, the buyer may cancel a door-to-door sale or lease of merchandise by posting written notice of cancellation to the seller at the address specified for notice of cancellation provided by the seller not later than midnight three (3) days following the buyer's signing the agreement, excluding Sunday and any holiday on which regular mail deliveries are not made. The notice of cancellation shall be sent by registered or certified mail. Notice of cancellation given by the buyer shall be effective if it indicates the intention on the part of the buyer not to be bound by the door-to-door sale or lease of merchandise.History of Section.P.L. 1995, ch. 52, § 1.
RI Gen L § 6-28-5 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-28 - Door-to-Door Sales|Section 6-28-5 - Seller's obligations on cancellation.

§ 6-28-5. Seller's obligations on cancellation.(a) Within twenty (20) days after a door-to-door sale has been cancelled, the seller shall tender to the buyer any payments made by the buyer and any note or other evidence of indebtedness. Any security interest arising out of the transaction will be canceled.(b) If the downpayment includes goods traded in, the goods shall be tendered in substantially as good condition as when received. If the seller fails to tender the goods as provided by this section, the buyer may elect to recover an amount equal to the trade-in allowance stated in the agreement.(c) The seller may retain as a cancellation fee five percent (5%) of the cash price; five dollars ($5.00); or the amount of the cash down payment, whichever is least. If the seller fails to comply with an obligation imposed by this section, or if the buyer avoids the sale on any ground independent of his right to cancel under § 6-28-3, the seller is not entitled to retain a cancellation fee.(d) Until the seller has complied with the obligations imposed by this section, the buyer may retain possession of goods delivered to him or her by the seller and has a lien on the goods for any recovery to which the buyer is entitled.History of Section.P.L. 1995, ch. 52, § 1; P.L. 2014, ch. 528, § 19.
RI Gen L § 6-28-6 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-28 - Door-to-Door Sales|Section 6-28-6 - Statement required on note.

§ 6-28-6. Statement required on note.Any note or other evidence of indebtedness given by a buyer in connection with a door-to-door sale shall be dated not earlier than the date of the agreement or offer to purchase. The seller shall cause the words "Nonnegotiable consumer note" to be placed prominently on the note and an assignee or holder of a note or other evidence of indebtedness with the words "Nonnegotiable consumer note" appearing prominently on the note shall take the note subject to the claims and defenses permitted under § 6A-3-306, irrespective of whether or not an assignee or holder qualifies as a "holder in due course" as defined in § 6A-3-302.History of Section.P.L. 1995, ch. 52, § 1; P.L. 2014, ch. 528, § 19.
RI Gen L § 6-28-7 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-28 - Door-to-Door Sales|Section 6-28-7 - Buyer's obligations on cancellation.

§ 6-28-7. Buyer's obligations on cancellation.(a) Except as provided in § 6-28-5(d), within twenty (20) days after a door-to-door sale has been cancelled by the buyer, upon demand the buyer shall tender to the seller any goods delivered by the seller pursuant to the sale, but the buyer is not obligated to tender at any place other than his or her own address. Buyer's compliance with the seller's instructions regarding the return shipment of the goods shall be at the seller's expense and risk. If the seller fails without interference from the buyer to take possession of the goods within twenty (20) days after cancellation, the goods shall become the property of the buyer without obligation to pay for them.(b) The buyer shall take reasonable care of the goods in his or her possession both prior to cancellation and during the twenty-day (20) period following. During the twenty-day (20) period after cancellation, except for the buyer's duty of care, the goods are at the seller's risk.(c) If the seller has performed any services pursuant to a door-to-door sale prior to its cancellation, the seller is entitled to no compensation except the cancellation fee provided in this chapter. If the seller's services result in the alteration of property of the buyer, the seller shall restore the property to substantially as good condition as it was at the time the services were rendered.History of Section.P.L. 1995, ch. 52, § 1; P.L. 2014, ch. 528, § 19.
RI Gen L § 6-28-8 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-28 - Door-to-Door Sales|Section 6-28-8 - Penalty for violation.

§ 6-28-8. Penalty for violation.Any person who violates any provision of this chapter shall be guilty of a misdemeanor.History of Section.P.L. 1995, ch. 52, § 1.
RI Gen L § 6-28.1-1 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-28.1 - Unfair Home Improvement Loans to Senior Citizens|Section 6-28.1-1 - Short title.

§ 6-28.1-1. Short title.This chapter may be cited as the "Unfair Home Improvement Loans for Senior Citizens Act."History of Section.P.L. 1997, ch. 121, § 1.
RI Gen L § 6-28.1-2 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-28.1 - Unfair Home Improvement Loans to Senior Citizens|Section 6-28.1-2 - Definitions.

§ 6-28.1-2. Definitions.(a) "Consumer" means an individual who seeks or acquires, by purchase or lease, any goods or services for personal, family, or household purposes.(b) "Disabled person" means any person who has a physical or mental impairment that substantially limits one or more major life activities.(c) "Goods" means tangible chattels bought or leased for use primarily for personal, family, or household purposes, including certificates or coupons exchangeable for these goods, and including goods that, at the time of the sale or subsequently, are to be so affixed to real property as to become a part of real property whether or not severable from real property.(d) "Home solicitation" means any transaction made at the consumer's primary residence, except those transactions initiated by the consumer. A consumer response to an advertisement is not a home solicitation.(e) "Person" means an individual, partnerships, corporation, limited-liability company, association, or other group, however organized.(f) "Senior citizen" means a person who is sixty-five (65) years of age or older.(g) "Services" means work, labor, and services for other than a commercial or business and including services furnished in connection with the sale or repair of goods.(h) "Transaction" means an agreement between a consumer and any other person, whether or not the agreement is a contract enforceable by action, and includes the making of, and the performance pursuant to, that agreement.History of Section.P.L. 1997, ch. 121, § 1; P.L. 2014, ch. 528, § 20.
RI Gen L § 6-28.1-3 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-28.1 - Unfair Home Improvement Loans to Senior Citizens|Section 6-28.1-3 - Home solicitation.

§ 6-28.1-3. Home solicitation.(a) The following unfair methods of competition and unfair or deceptive acts or practices undertaken by any person in a transaction intended to result or which results in the sale or lease of goods or services to any consumer are unlawful:The home solicitation of a consumer who is a senior citizen where a loan is made encumbering the primary residence of that consumer for the purposes of paying for home improvements and where the transaction is part of a pattern or practice in violation of either subsection (h) or (i) of 15 U.S.C. § 1639 or subsection (e) of 12 CFR 226.32.(b) A third party shall not be liable under this section unless: (1) There was an agency relationship between the party who engaged in home solicitation and the third party; or (2) The third party had actual knowledge of or participated in the unfair or deceptive transaction. A third party who is a holder in due course under a home solicitation transaction shall not be liable under this section.History of Section.P.L. 1997, ch. 121, § 1; P.L. 2014, ch. 528, § 20.
RI Gen L § 6-28.1-4 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-28.1 - Unfair Home Improvement Loans to Senior Citizens|Section 6-28.1-4 - Penalty for violation.

§ 6-28.1-4. Penalty for violation.Anyone who violates any provision of this chapter shall be guilty of a misdemeanor. Any person, firm, or corporation, who or that has been found guilty, as previously stated, or any person, firm, or corporation acquiring derivative rights from someone found guilty shall be prohibited from maintaining any civil action for the recovery of any debt created as a result of the violation and shall issue a discharge of any encumbrance recorded on the real property securing the debt.History of Section.P.L. 1997, ch. 121, § 1; P.L. 2014, ch. 528, § 20.
RI Gen L § 6-29-1 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-29 - Referral Selling|Section 6-29-1 - Home solicitation referral selling.

§ 6-29-1. Home solicitation referral selling.No seller in a home solicitation sale or a cash sale as defined in § 6-28-2 shall offer to pay a commission or give a rebate or discount to the buyer in consideration of the buyer's giving to the seller the names of prospective purchasers or otherwise aiding the seller in making a sale to another person unless the seller actually delivers to the purchaser a chart showing the actual experience of purchasers for the three (3) calendar years ending prior to the contract under consideration, including the number of and monies paid to those who participated in the plan, and unless there shall be a separate, written agreement signed and dated by the buyer and also signed by the seller containing the following in ten-point (10) bold-face type or larger, directly above the space reserved in the agreement for the signature of the buyer:(1) No purchase of goods or services between the parties to the sale has been induced by the promise of monies to be earned under this agreement;(2) The purchase price of any goods or services in any transaction between the parties to the sale has not been increased in any way because of this agreement;(3) No payments due under this agreement may be held up, credited, or set-off toward payment of any obligation between the parties except on written authorization specifically allowing that action; and(4) No other representations or agreements, oral or written, have been made by the parties to the sale relating to the terms of this agreement.History of Section.P.L. 1968, ch. 149, § 1; P.L. 2014, ch. 528, § 21.
RI Gen L § 6-29-2 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-29 - Referral Selling|Section 6-29-2 - Sales induced by referral offer voidable.

§ 6-29-2. Sales induced by referral offer voidable.Any sale made in respect to which a commission, rebate, or discount is represented as being given in return for names of other prospective buyers shall be voidable at the option of the buyer, unless there is a written agreement between the parties to the sale containing the provisions set forth in § 6-29-1.History of Section.P.L. 1968, ch. 149, § 1.
RI Gen L § 6-29-3 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-29 - Referral Selling|Section 6-29-3 - Penalties.

§ 6-29-3. Penalties.Any seller who shall violate the provisions of § 6-29-1 and any seller who shall make a false representation that he or she is making a price concession in return for being given names of other prospective buyers shall be guilty of a misdemeanor.History of Section.P.L. 1968, ch. 149, § 1.
RI Gen L § 6-30-1 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-30 - Distribution of Credit Cards|Section 6-30-1 - Solicitation by mail.

§ 6-30-1. Solicitation by mail.No person engaged in the business of granting or extending credit by the use of a credit card shall mail any credit card to any individual unless the individual shall have previously made a request, in writing or verbally, for any credit card.History of Section.P.L. 1970, ch. 177, § 1; P.L. 1985, ch. 337, § 1.
RI Gen L § 6-30-2 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-30 - Distribution of Credit Cards|Section 6-30-2 - "Credit card" defined.

§ 6-30-2. "Credit card" defined.As used in this chapter, "credit card" means any instrument or device, whether known as a credit card, credit plate, or by any other name, issued with or without fee by an issuer for the use of the cardholder in obtaining money, goods, services, or anything else of value on credit.History of Section.P.L. 1970, ch. 177, § 1.
RI Gen L § 6-30-3 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-30 - Distribution of Credit Cards|Section 6-30-3 - Exceptions.

§ 6-30-3. Exceptions.The provisions of this chapter shall not apply to:(1) The issuance of any credit card to any individual who shall at the time of the issuance have a credit account relationship with the issuer.(2) The issuance of any credit card to any individual whose credit account shall have been transferred to the issuer by any other person engaged in the business of granting or extending credit by the use of a credit card.(3) The renewal of any credit card previously issued that has been used by the cardholder during the previous new or renewal term.History of Section.P.L. 1970, ch. 177, § 1; P.L. 2014, ch. 528, § 22.
RI Gen L § 6-30-4 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-30 - Distribution of Credit Cards|Section 6-30-4 - Penalty for violation.

§ 6-30-4. Penalty for violation.Anyone who violates any provision of this chapter shall be guilty of a misdemeanor. Any person, firm, or corporation who or that has been found guilty of violating any provision of this chapter or any person, firm, or corporation acquiring derivative rights from someone found guilty shall be prohibited from maintaining any civil action for the recovery of any debt created through the use of the credit card.History of Section.P.L. 1970, ch. 177, § 1; P.L. 2014, ch. 528, § 22.
RI Gen L § 6-30-5 (2021)
2021 Rhode Island General Laws|Title 6 - Commercial Law – General Regulatory Provisions|Chapter 6-30 - Distribution of Credit Cards|Section 6-30-5 - Verbal applications for credit cards.

§ 6-30-5. Verbal applications for credit cards.Persons engaged in the business of granting or extending credit by use of credit card may take a request, verbally or in writing, for any credit card.History of Section.P.L. 1985, ch. 337, § 2.