reglab/housing_qa huggingface dataset:
12 PA Cons Stat § 6271 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6271 - Operating without license

§ 6271. Operating without license.   (a) Prohibition; penalty.--An entity or individual under subsection (b) engaging in business in this Commonwealth as an installment seller, sales finance company or collector-repossessor without having obtained a license under this chapter commits a violation of this chapter and shall, upon conviction, be sentenced at the discretion of the court to either or both of the following: (1) Pay a fine of not less than $2,000 nor more than $10,000. (2) Imprisonment for not more than three years.  (b) Applicability.--Subsection (a) applies to the following: (1) A person, partnership, association, business corporation, financial institution, nonprofit corporation, common law trust, joint stock company or any other group of individuals, however organized. (2) An owner, partner, member, officer, director, trustee, employee, agent, broker or representative of an entity under paragraph (1).    Cross References. Section 6271 is referred to in section 6217 of this title.
12 PA Cons Stat § 6272 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6272 - Violation of chapter provisions

§ 6272. Violation of chapter provisions.  A licensee or an owner, partner, member, officer, director, trustee, employee, agent, broker or representative of the licensee who violates a provision of this chapter or directs a violation of this chapter commits a violation of this chapter and shall, upon conviction, be sentenced at the discretion of the court to the following: (1) Pay a fine of not more than $2,000 for the first offense. (2) For each subsequent offense, to either or both of the following: (i) Pay a fine of not more than $2,000. (ii) Imprisonment for not more than one year.
12 PA Cons Stat § 6273 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6273 - Use of unlicensed collector-repossessor

§ 6273. Use of unlicensed collector-repossessor.  A licensed seller or sales finance company acting as holder of a motor vehicle installment sale contract who hires, authorizes or permits an unlicensed collector-repossessor, as defined in this chapter, to collect payments on the contract or repossess a motor vehicle sold under the contract within this Commonwealth commits a violation of this chapter and shall, upon conviction, be sentenced at the discretion of the court to the following: (1) Pay a fine of not more than $2,000 for the first offense. (2) For each subsequent offense, to either or both of the following: (i) Pay a fine of not more than $2,000. (ii) Imprisonment for not more than one year.
12 PA Cons Stat § 6274 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6274 - Civil penalty by department

§ 6274. Civil penalty by department.  A person required to be licensed under this chapter that violates this chapter, directs a violation of this chapter or engages in an activity for which a license could be suspended or revoked under section 6218 (relating to revocation or suspension of license) shall be subject to a civil penalty levied by the department of not more than $2,000 for each offense.    Cross References. Section 6274 is referred to in section 6205 of this title.
12 PA Cons Stat § 6275 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6275 - Liability of sales finance company

§ 6275. Liability of sales finance company.   (a) Exemption from liability.--A sales finance company licensed under this chapter and engaged in the purchase, sale, assignment, securitization or servicing of installment sale contracts may not be held liable under this chapter for either of the following: (1) Excessive markups of charges by installment sellers. (2) A failure to disclose under section 6221(e) (relating to requirements).  (b) Federal status preserved.--This section does not affect the liability of a sales finance company that is a holder under the Federal Trade Commission Act (38 Stat. 717, 15 U.S.C. § 41 et seq.).
12 PA Cons Stat § 6301 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6301 - Scope of chapter

§ 6301. Scope of chapter.  This chapter relates to goods and services installment sales.
12 PA Cons Stat § 6303 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6303 - Waiver

§ 6303. Waiver.  A buyer's waiver of the provisions of this chapter, including any purported waiver effected by a contractual choice of the law of another jurisdiction contained in a closed-end credit agreement or an open-end credit agreement, shall be deemed contrary to public policy and is void and unenforceable.
12 PA Cons Stat § 6304 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6304 - Applicability

§ 6304. Applicability.   (a) Agreements.--A closed-end credit agreement and an open-end credit agreement are deemed to be made in this Commonwealth and subject to the provisions of this chapter if either of the following occurs: (1) The seller offers or agrees in this Commonwealth to sell to a resident buyer of this Commonwealth. (2) A resident buyer of this Commonwealth accepts or makes the offer in this Commonwealth to buy, regardless of the situs specified in the agreement.  (b) Offer to sell.--A verbal or written solicitation or communication to sell that originates outside this Commonwealth and is forwarded to and received in this Commonwealth by a resident buyer of this Commonwealth shall be deemed an offer or agreement to sell in this Commonwealth and subject to the provisions of this chapter.  (c) Offer to buy.--A verbal or written solicitation or communication to buy that originates within this Commonwealth from a resident buyer of this Commonwealth and is forwarded to and received by a seller outside this Commonwealth shall be deemed an acceptance or offer to buy in this Commonwealth and subject to the provisions of this chapter.  (d) Subsequent goods and services.--Goods or services that subsequently result from a solicitation or communication under subsection (b) or (c) are subject to the provisions of this chapter.  (e) Exclusivity.--Notwithstanding any provision of law to the contrary, this chapter shall exclusively govern and regulate the terms and conditions of all extensions of credit, except cash advances, for the purchase of goods and services within this Commonwealth.
12 PA Cons Stat § 6305 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6305 - Prohibited activities and provisions

§ 6305. Prohibited activities and provisions.   (a) Activities.--In attempting to collect a buyer's obligation, a seller or holder shall comply with the act of March 28, 2000 (P.L.23, No.7), known as the Fair Credit Extension Uniformity Act.  (b) Provisions.--A closed-end credit agreement, an open-end credit agreement or other agreement may not contain a provision by which any of the following may occur: (1) Except as provided in section 6306 (relating to assignment), the buyer agrees not to assert a claim or defense arising from the sale against a seller or an assignee. (2) In the absence of the buyer's default in the performance of an obligation, the holder may accelerate the maturity of all or part of the amount owed. (3) The seller or holder of the agreement, or a person acting on behalf of the seller or holder, is given authority to enter the buyer's premises unlawfully or commit a breach of the peace in the repossession of goods. (4) The buyer waives a right of action against the seller or holder of the agreement, or a person acting on behalf of the seller or holder, for an illegal act committed in the collection of payments under the agreement or the repossession of goods. (5) The buyer executes a power of attorney appointing the seller or holder of the agreement, or a person acting on behalf of the seller or holder, as the buyer's agent in the collection of payments under the agreement or the repossession of goods. (6) The buyer relieves the seller from liability for legal remedies that the buyer may have against the seller under the agreement or a separate instrument executed in connection with the agreement. (7) The buyer agrees to the payment of a charge by reason of the exercise of the right to rescind or avoid the agreement. (8) The seller or holder of the agreement is given the right to commence an action on the agreement under the provisions of this chapter in a county other than the county where any of the following occurred: (i) The buyer signed the agreement. (ii) The buyer resides at the commencement of the action. (iii) The buyer resided when the agreement was entered into. (iv) The goods purchased under the agreement have been so affixed to real property as to become a part of the real property. (9) An assignment of wages is given. (10) The seller or holder of the agreement, or a person acting on behalf of the seller or holder, is given authority to execute upon a judgment by confession. (11) The seller or holder of the agreement, or a person acting on behalf of the seller or holder, is given authority to take a mortgage or other security against residential real estate of the buyer or another obligee to the agreement.
12 PA Cons Stat § 6306 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6306 - Assignment

§ 6306. Assignment.  Except as provided in section 6352 (relating to noncompliance; costs and charges), a right of action or defense arising from a sale that a buyer has against a seller is not eliminated by assignment of the buyer's closed-end credit agreement or open-end credit agreement to a third party, regardless of whether the third party acquires the agreement in good faith and for value.    Cross References. Section 6306 is referred to in section 6305 of this title.
12 PA Cons Stat § 6307 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6307 - Venue

§ 6307. Venue.  An action on a closed-end credit agreement or an open-end credit agreement shall be commenced in a county where any of the following occurred: (1) The buyer signed the agreement. (2) The buyer resides at the commencement of the action. (3) The buyer resided when the agreement was entered into. (4) The goods purchased under the agreement have been so affixed to real property as to become a part of the real property.
12 PA Cons Stat § 6308 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6308 - Attorney fees and costs

§ 6308. Attorney fees and costs.   (a) Award.--Reasonable attorney fees and costs shall be awarded to the prevailing party in an action on a closed-end credit agreement or an open-end credit agreement, regardless of whether the action is instituted by the seller, holder or buyer.  (b) Agreement.--A seller may provide for the payment of attorney fees and costs under subsection (a) in an agreement signed by the buyer, if a copy of the agreement is given or furnished to the buyer.  (c) Definition.--For purposes of this section, a defendant is deemed to be a prevailing party if both of the following occur: (1) The defendant: (i) Alleges in its answer that it tendered to the plaintiff the full amount to which the plaintiff was entitled. (ii) Deposits the amount with the court. (2) The allegation in paragraph (1)(i) is found to be true.
12 PA Cons Stat § 6309 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6309 - Repossession; acceleration; right to cure

§ 6309. Repossession; acceleration; right to cure.   (a) Rights of holder.--If a buyer defaults in the performance of an obligation under a closed-end credit agreement or an open-end credit agreement, the holder, pursuant to the rights granted under the agreement: (1) May proceed to recover judgment for the balance due or retake the goods. (2) Shall comply with and be limited by the requirements of 13 Pa.C.S. (relating to commercial code).  (b) Prohibited actions.--Unless the buyer is in default and the seller or holder provides the buyer with the notice under subsection (c), a seller or holder may not: (1) accelerate the maturity of the agreement; or (2) commence legal action or repossess without legal process.  (c) Notice.--  (1) Notice under this section shall be: (i) sent by certified mail to the buyer's last known address; or (ii) delivered personally to the residence of the buyer. (2) The notice shall inform the buyer of all the following: (i) The right to cure the default within 21 days of the date of receipt of the notice upon the payment of all the following: (A) The amount in default. (B) Late fees under section 6343 (relating to late fees). (C) Extension and deferment charges under section 6347 (relating to extension and deferment). (D) Actual repossession costs. (ii) The name, address and telephone number of the seller or holder. (iii) The total amount due, which is the sum of the items in subparagraph (i). (iv) The exact date by which the amount due must be paid. (v) The name, address and telephone number of the person to whom payment must be made. (vi) Other performance necessary to cure a default arising from other than nonpayment of the obligation. (3) The seller or holder is not required to provide the notice under this subsection more than once in any 12-month period.  (d) Rights of buyer; curing default.--  (1) The buyer shall have the rights specified in the notice under subsection (c). (2) The act of curing a default restores to the buyer the rights under the agreement as though no default had occurred.
12 PA Cons Stat § 6310 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6310 - Lien

§ 6310. Lien.  A contract, other than for services, may not provide for a lien on goods that are fully paid for or have not been sold by the seller.
12 PA Cons Stat § 6311 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6311 - Validity

§ 6311. Validity.  A provision in a closed-end credit agreement or an open-end credit agreement that is prohibited by this chapter is void but does not otherwise affect the validity of the agreement.
12 PA Cons Stat § 6312 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6312 - Discharge of obligation

§ 6312. Discharge of obligation.  Unless a buyer has notice of the actual or intended assignment of a closed-end credit agreement or an open-end credit agreement, payment made by the buyer to the last known holder of the agreement shall, to the extent of the payment, discharge the buyer's obligation.
12 PA Cons Stat § 6313 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6313 - Prepayment of obligation

§ 6313. Prepayment of obligation.   (a) Right to prepay.--Notwithstanding the provisions of a closed-end credit agreement or an open-end credit agreement, a buyer may prepay without additional charge at any time all or part of the time balance under the agreement.  (b) Refund credit.--  (1) Pursuant to a closed-end credit agreement and subject to this chapter, the seller or holder may accelerate the balance due on the agreement but shall provide a refund credit calculated as of the date of the acceleration if: (i) the finance charges had been computed and added to the unpaid balance at the time the agreement was entered into; and (ii) the entire time balance under the agreement is prepaid prior to maturity. (2) The amount of the refund credit shall be computed by the actuarial method. (3) If the amount of the refund credit is less than $1, a refund does not need to be made.    Cross References. Section 6313 is referred to in section 6327 of this title.
12 PA Cons Stat § 6314 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6314 - Acknowledgment of payment in full

§ 6314. Acknowledgment of payment in full.  Upon a buyer's request and after the payment of all sums for which the buyer is obligated under a closed-end credit agreement or an open-end credit agreement, the holder shall deliver or mail to the buyer at the buyer's last known address an instrument that: (1) Acknowledges that the obligation of the buyer under the agreement has been paid in full. (2) Releases all security in the goods under the agreement.
12 PA Cons Stat § 6321 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6321 - General rules

§ 6321. General rules.   (a) Entire agreement.--Except as provided in section 6329(c) (relating to add-on sales), a closed-end credit agreement shall contain the entire agreement of the parties regarding the costs and terms of payment for the goods and services, including a promissory note or other evidence of indebtedness between the parties relating to the transaction.  (b) Signature.--A seller may not obtain the signature of the buyer on the agreement if the agreement contains blank spaces to be filled in after it has been signed.  (c) Installments.--A closed-end credit agreement may provide for unequal or irregular installments.  (d) Incorporation by reference.--A holder may, in a buyer's subsequent closed-end credit agreement, incorporate by reference the buyer's previous closed-end credit agreement and a description of the collateral for the items purchased under the previous agreement.
12 PA Cons Stat § 6322 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6322 - Contents

§ 6322. Contents.  Except as provided in section 6329 (relating to add-on sales), a closed-end credit agreement shall contain all of the following: (1) One of the following headings at the top of the agreement or directly above the space reserved for the signature of the buyer: (i) "Security Agreement" if the seller retains a security interest in the goods as security for the goods or services purchased. (ii) "Lien Contract" if the seller obtains a lien on other goods or nonresidential real estate as security for the goods or services purchased. (iii) "Closed-End Credit Agreement" if the seller does not obtain security for the goods or services purchased. (2) The names of the seller and buyer. (3) The place of business of the seller. (4) The residence or place of business of the buyer as specified by the buyer. (5) A description of the goods or services sufficient to identify them. Services or multiple items of goods may be described in general terms but in detail sufficient to identify them, in a separate writing. (6) The purchase price of the goods and services that are the subject matter of the sale. (7) The amount of the buyer's down payment, including the following: (i) An itemization of the amount paid in money and goods. (ii) A brief description of traded-in goods. (8) The difference between the purchase price under paragraph (6) and the amount under paragraph (7). (9) The amount included for insurance, including the specific coverage and cost. (10) The amount of official fees. (11) The unpaid balance, which is the sum of the amounts under paragraphs (8), (9) and (10). (12) The amount of the finance charge. (13) The time balance, which is the sum of the unpaid balance under paragraph (11) and the amount under paragraph (12), and the following: (i) The number of installments required. (ii) The amount of each installment expressed in dollars. (iii) The due date or period for each installment. (14) The time sale price. (15) The following notice provision: NOTICE TO THE BUYER Do not sign this agreement before you read it or if it contains any blank spaces. You are entitled to a completely filled-in copy of this agreement. You have the right to pay off in advance the full amount due. Under certain conditions, you may obtain a partial refund of the finance charge. (16) The following notice provision: NOTICE A holder of this agreement is subject to all the claims and defenses that the buyer could assert against the seller of goods or services obtained by this agreement or with the proceeds of this agreement. Recovery under this agreement by the buyer may not exceed the amount paid by the buyer under the agreement. (17) A statement that the seller may collect from the buyer late fees, costs of collection, costs from nonaffiliated entities and charges for deferment and extension as provided for in this chapter.    Cross References. Section 6322 is referred to in section 6329 of this title.
12 PA Cons Stat § 6323 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 63 - Goods and Services Installment Sales|Section 6323 - Copy of agreement

§ 6323. Copy of agreement.   (a) Delivery of copy.--Except as provided in section 6324(b) (relating to agreement resulting from telephone or mail communications), a seller shall provide a legible and complete copy of a closed-end credit agreement to a buyer when the buyer executes the agreement.  (b) Obligation of buyer.--Until the seller completes the obligation under subsection (a), the buyer is obligated to pay only the purchase price under the agreement.  (c) Acknowledgment.--  (1) The seller shall present an acknowledgment to the buyer specifying that the buyer has received a copy of the agreement. (2) The acknowledgment may be a separate document or contained in the agreement. (3) If the acknowledgment is contained in the agreement, it shall appear directly above the space reserved for the buyer's signature. (4) The buyer's written acknowledgment of delivery of a copy of the agreement in conformity with this subsection shall be a rebuttable presumption of delivery and compliance with this subsection in an action or proceeding by or against an assignee of the agreement without knowledge to the contrary when the agreement is purchased.    Cross References. Section 6323 is referred to in section 6324 of this title.