reglab/housing_qa huggingface dataset:
9-A ME Rev Stat § 13-106 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 13: MAINE SECURE AND FAIR ENFORCEMENT FOR MORTGAGE LICENSING ACT OF 2009|9-A §13-106. Prelicensing education for mortgage loan originators

 §13-106. Prelicensing education for mortgage loan originators 1.  Minimum education requirements.  In order to meet the prelicensing education requirement set forth in section 13‑105, subsection 4, a person must complete at least 20 hours of education approved in accordance with subsection 2.   A. [PL 2013, c. 466, §8 (RP).] B. [PL 2013, c. 466, §8 (RP).] C. [PL 2013, c. 466, §8 (RP).] [PL 2013, c. 466, §8 (AMD).] 2.  Approved education courses.  For purposes of subsection 1, prelicensing education courses must be reviewed and approved by the nationwide mortgage licensing system and registry based on reasonable standards. Review and approval of a prelicensing education course must include review and approval of the course provider.   [PL 2009, c. 362, Pt. B, §1 (NEW).] 3.  Approval of employer and affiliate education courses.  Nothing in this section precludes any prelicensing education course, as approved by the nationwide mortgage licensing system and registry, that is provided by the employer of the applicant or an entity that is affiliated with the applicant by an agency contract or any subsidiary or affiliate of such employer or entity.   [PL 2009, c. 362, Pt. B, §1 (NEW).] 4.  Venue of education.  Prelicensing education may be offered either in a classroom, online or by any other means approved by the nationwide mortgage licensing system and registry.   [PL 2009, c. 362, Pt. B, §1 (NEW).] 5.  Reciprocity of education.  The completion of the prelicensing education requirements approved by the nationwide mortgage licensing system and registry under this section for any state must be accepted as credit towards completion of prelicensing education requirements in this State.   [PL 2009, c. 362, Pt. B, §1 (NEW).] 6.  Relicensing education requirements.  A person previously licensed under this Article who applies to be licensed again must prove that that person has completed all of the continuing education requirements for the year in which the license was last held.   [PL 2009, c. 362, Pt. B, §1 (NEW).] SECTION HISTORY PL 2009, c. 362, Pt. B, §1 (NEW). PL 2013, c. 466, §8 (AMD).
9-A ME Rev Stat § 13-107 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 13: MAINE SECURE AND FAIR ENFORCEMENT FOR MORTGAGE LICENSING ACT OF 2009|9-A §13-107. Testing of mortgage loan originators

 §13-107. Testing of mortgage loan originators 1.  Written test.  In order to meet the written test requirement required under section 13‑105, subsection 5, an individual must pass, in accordance with the standards established under this section, a written test developed by the nationwide mortgage licensing system and registry and administered by a test provider approved by the nationwide mortgage licensing system and registry based upon reasonable standards.   [PL 2013, c. 466, §9 (AMD).] 2.  Qualified test.   [PL 2013, c. 466, §9 (RP).] 3.  Testing location.  Nothing in this section prohibits a test provider approved by the nationwide mortgage licensing system and registry from providing a test at the location of the employer of the applicant, or any subsidiary or affiliate of the employer of the applicant, or any entity with which the applicant holds an exclusive arrangement to conduct the business of a mortgage loan originator.   [PL 2009, c. 362, Pt. B, §1 (NEW).] 4.  Minimum competence.  An individual is not considered to have passed a written test unless the individual achieves a test score of not less than 75% correct answers to questions.   A. An individual may retake a test 3 consecutive times, undergoing each consecutive test at least 30 days after the preceding test.   [PL 2009, c. 362, Pt. B, §1 (NEW).]B. After failing 3 consecutive tests, an individual must wait at least 6 months before taking the test again.   [PL 2009, c. 362, Pt. B, §1 (NEW).]C. A licensed mortgage loan originator who fails to maintain a valid license for a period of 5 years or longer shall retake the test.   [PL 2009, c. 362, Pt. B, §1 (NEW).][PL 2013, c. 466, §9 (AMD).] SECTION HISTORY PL 2009, c. 362, Pt. B, §1 (NEW). PL 2013, c. 466, §9 (AMD).
9-A ME Rev Stat § 13-108 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 13: MAINE SECURE AND FAIR ENFORCEMENT FOR MORTGAGE LICENSING ACT OF 2009|9-A §13-108. Standards for license renewal

 §13-108. Standards for license renewal 1.  Minimum standards.  The minimum standards for license renewal for mortgage loan originators include the following:   A. The mortgage loan originator continues to meet the minimum standards for license issuance under section 13‑105, subsections 1 to 5;   [PL 2009, c. 362, Pt. B, §1 (NEW).]B. The mortgage loan originator has satisfied the annual continuing education requirements described in section 13‑109; and   [PL 2009, c. 362, Pt. B, §1 (NEW).]C. The mortgage loan originator has paid all required fees for renewal of the license.   [PL 2009, c. 362, Pt. B, §1 (NEW).][PL 2009, c. 362, Pt. B, §1 (NEW).] 2.  Failure to satisfy minimum standards of license renewal.  If a mortgage loan originator fails to satisfy the minimum standards for license renewal, that individual's license expires. The administrator may adopt procedures for the reinstatement of expired licenses consistent with the standards established by the nationwide mortgage licensing system and registry.   [PL 2009, c. 362, Pt. B, §1 (NEW).] SECTION HISTORY PL 2009, c. 362, Pt. B, §1 (NEW).
9-A ME Rev Stat § 13-109 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 13: MAINE SECURE AND FAIR ENFORCEMENT FOR MORTGAGE LICENSING ACT OF 2009|9-A §13-109. Continuing education for mortgage loan originators

 §13-109. Continuing education for mortgage loan originators 1.  Requirement.  In order to meet the annual continuing education requirements set forth in section 13‑108, subsection 1, paragraph B, a licensed mortgage loan originator must complete at least 8 hours of education approved in accordance with subsection 2.   A. [PL 2013, c. 466, §10 (RP).] B. [PL 2013, c. 466, §10 (RP).] C. [PL 2013, c. 466, §10 (RP).] [PL 2013, c. 466, §10 (AMD).] 2.  Approved education courses.  For purposes of subsection 1, continuing education courses must be reviewed and approved by the nationwide mortgage licensing system and registry based upon reasonable standards. Review and approval of a continuing education course includes review and approval of the course provider.   [PL 2009, c. 362, Pt. B, §1 (NEW).] 3.  Approval of employer and affiliate education courses.  Nothing in this section precludes any education course, as approved by the nationwide mortgage licensing system and registry, that is provided by the employer of the mortgage loan originator or an entity which is affiliated with the mortgage loan originator by an agency contract or any subsidiary or affiliate of such employer or entity.   [PL 2009, c. 362, Pt. B, §1 (NEW).] 4.  Venue of education.  Continuing education may be offered either in a classroom, online or by any other means approved by the nationwide mortgage licensing system and registry.   [PL 2009, c. 362, Pt. B, §1 (NEW).] 5.  Calculation of continuing education credits.  A licensed mortgage loan originator may:   A. Notwithstanding section 13‑108, subsection 2, receive credit for a continuing education course only in the year in which the course is taken; and   [PL 2013, c. 466, §11 (AMD).]B. Not repeat an approved course in the same or successive years to meet the annual requirements for continuing education.   [PL 2009, c. 362, Pt. B, §1 (NEW).][PL 2013, c. 466, §11 (AMD).] 6.  Instructor credit.   [PL 2013, c. 466, §12 (RP).] 7.  Reciprocity of education.  The completion of the education requirements approved by the nationwide mortgage licensing system and registry under this section for any state must be accepted as credit towards completion of continuing education requirements in this State.   [PL 2009, c. 362, Pt. B, §1 (NEW).] 8.  Lapse in license.  A person previously licensed under this Article as a licensed mortgage loan originator who subsequently becomes unlicensed must prove that the person has completed all of the continuing education requirements for the last year in which the license was held prior to issuance of a new or renewed license.   [PL 2009, c. 362, Pt. B, §1 (NEW).] 9.  Deficiency in continuing education.   [PL 2013, c. 466, §13 (RP).] SECTION HISTORY PL 2009, c. 362, Pt. B, §1 (NEW). PL 2013, c. 466, §§10-13 (AMD).
9-A ME Rev Stat § 13-110 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 13: MAINE SECURE AND FAIR ENFORCEMENT FOR MORTGAGE LICENSING ACT OF 2009|9-A §13-110. Authority to require license

 §13-110. Authority to require license In addition to any other duties imposed upon the administrator by law, the administrator shall require mortgage loan originators to be licensed and registered through the nationwide mortgage licensing system and registry. In order to carry out this requirement, the administrator is authorized to participate in the nationwide mortgage licensing system and registry. For this purpose, the administrator may establish, by rule or order, requirements as necessary, including but not limited to:   [PL 2009, c. 362, Pt. B, §1 (NEW).]1.  Background checks.  Background checks for:   A. Criminal history through fingerprint or other databases;   [PL 2009, c. 362, Pt. B, §1 (NEW).]B. Civil or administrative records;   [PL 2009, c. 362, Pt. B, §1 (NEW).]C. Credit history; or   [PL 2009, c. 362, Pt. B, §1 (NEW).]D. Any other information determined necessary by the nationwide mortgage licensing system and registry;   [PL 2009, c. 362, Pt. B, §1 (NEW).][PL 2009, c. 362, Pt. B, §1 (NEW).] 2.  Fees.  The payment of fees to apply for or renew licenses through the nationwide mortgage licensing system and registry, that fee being initially established in the amount of $20 to the administrator at application and $20 for renewal, subject to adjustment pursuant to rule or order as set forth under this section. Renewal applications received after the due date are subject to an additional fee of $100;   [PL 2013, c. 466, §14 (AMD).] 3.  Dates.  The setting or resetting as necessary of renewal or reporting dates; and   [PL 2009, c. 362, Pt. B, §1 (NEW).] 4.  Other requirements.  Other requirements for amending or revoking a license or any other such activities as the administrator considers necessary for participation in the nationwide mortgage licensing system and registry.   [PL 2009, c. 362, Pt. B, §1 (NEW).] SECTION HISTORY PL 2009, c. 362, Pt. B, §1 (NEW). PL 2011, c. 427, Pt. B, §20 (AMD). PL 2013, c. 466, §14 (AMD).
9-A ME Rev Stat § 13-111 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 13: MAINE SECURE AND FAIR ENFORCEMENT FOR MORTGAGE LICENSING ACT OF 2009|9-A §13-111. Nationwide mortgage licensing system and registry information challenge process

 §13-111. Nationwide mortgage licensing system and registry information challenge process The administrator shall establish a process by which mortgage loan originators may challenge information entered into the nationwide mortgage licensing system and registry by the administrator.   [PL 2009, c. 362, Pt. B, §1 (NEW).]SECTION HISTORY PL 2009, c. 362, Pt. B, §1 (NEW).
9-A ME Rev Stat § 13-113 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 13: MAINE SECURE AND FAIR ENFORCEMENT FOR MORTGAGE LICENSING ACT OF 2009|9-A §13-113. Surety bond or minimum net worth requirements

 §13-113. Surety bond or minimum net worth requirements Mortgage loan originators must comply with either subsection 1 or subsection 2.   [PL 2009, c. 362, Pt. B, §1 (NEW).]1.  Surety bond.  Unless in compliance with subsection 2, a mortgage loan originator must be covered by a surety bond in accordance with this subsection.   A. In the event that the mortgage loan originator is an employee or exclusive agent of a person subject to this Article, the surety bond of that person subject to this Article can be used in lieu of the mortgage loan originator’s surety bond requirement.   (1) The surety bond must provide coverage for each mortgage loan originator in an amount prescribed in paragraph B.   (2) The surety bond must be in a form prescribed by the administrator.   (3) The administrator may adopt rules with respect to the requirements for surety bonds necessary to accomplish the purposes of this Article.   [PL 2009, c. 362, Pt. B, §1 (NEW).]B. The penal sum of the surety bond must be maintained in an amount established by rule.   [PL 2009, c. 362, Pt. B, §1 (NEW).]C. When an action is commenced on a licensee's bond, the administrator may require the filing of a new bond.   [PL 2009, c. 362, Pt. B, §1 (NEW).]D. Immediately on recovery upon any action on the bond the licensee shall file a new bond.   [PL 2009, c. 362, Pt. B, §1 (NEW).][PL 2009, c. 362, Pt. B, §1 (NEW).] 2.  Minimum net worth.  Unless in compliance with subsection 1, a minimum net worth must be continuously maintained for mortgage loan originators in accordance with this subsection and section 13-105, subsection 6. In the event that the mortgage loan originator is an employee or exclusive agent of a person subject to this Article, the net worth of that person subject to this Article can be used in lieu of the mortgage loan originator’s minimum net worth requirement.   A. Minimum net worth must be maintained in an amount determined by the administrator.   [PL 2009, c. 362, Pt. B, §1 (NEW).]B. The administrator may adopt rules with respect to the requirements for minimum net worth necessary to accomplish the purposes of this Article.   [PL 2009, c. 362, Pt. B, §1 (NEW).][PL 2009, c. 362, Pt. B, §1 (NEW).] SECTION HISTORY PL 2009, c. 362, Pt. B, §1 (NEW).
9-A ME Rev Stat § 13-114 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 13: MAINE SECURE AND FAIR ENFORCEMENT FOR MORTGAGE LICENSING ACT OF 2009|9-A §13-114. Confidentiality

 §13-114. Confidentiality 1.  Protections.  Notwithstanding any provision of law to the contrary and except as otherwise provided in federal Public Law 110-289, Section 1512, the requirements under any federal or state law regarding the privacy or confidentiality of any information or material provided to the nationwide mortgage licensing system and registry and any privilege arising under federal or state law, including the rules of any federal or state court, with respect to such information or material, continue to apply to that information or material after the information or material has been disclosed to the nationwide mortgage licensing system and registry. That information and material may be shared with all state and federal regulatory officials with mortgage industry oversight authority without the loss of privilege or the loss of confidentiality protections provided by federal law or state law.   [PL 2009, c. 362, Pt. B, §1 (NEW).] 2.  Agreements and sharing arrangements.  The administrator is authorized to enter agreements or sharing arrangements with other governmental agencies, a national organization dedicated to advancing the state banking system, a national association of residential mortgage regulators or other associations representing governmental agencies as established by rule or order of the administrator.   [PL 2009, c. 362, Pt. B, §1 (NEW).] 3.  Nonapplicability of certain requirements.  Information or material that is subject to a privilege or confidentiality under subsection 1 is not subject to:   A. Disclosure under any federal or state law governing the disclosure to the public of information held by an officer or an agency of the Federal Government or the respective state; or   [PL 2009, c. 362, Pt. B, §1 (NEW).]B. Subpoena, discovery or admission into evidence in any private civil action or administrative process, unless with respect to a privilege held by the nationwide mortgage licensing system and registry regarding that information or material, the person to whom such information or material pertains waives, in whole or in part, that privilege.   [PL 2009, c. 362, Pt. B, §1 (NEW).][PL 2009, c. 362, Pt. B, §1 (NEW).] 4.  Public access to information.  This section does not apply to the information or material relating to the employment history of, and publicly adjudicated disciplinary and enforcement actions against, mortgage loan originators that is included in the nationwide mortgage licensing system and registry for access by the public.   [PL 2009, c. 362, Pt. B, §1 (NEW).] SECTION HISTORY PL 2009, c. 362, Pt. B, §1 (NEW).
9-A ME Rev Stat § 13-117 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 13: MAINE SECURE AND FAIR ENFORCEMENT FOR MORTGAGE LICENSING ACT OF 2009|9-A §13-117. Report to nationwide mortgage licensing system and registry

 §13-117. Report to nationwide mortgage licensing system and registry The administrator shall regularly report violations of this Article, as well as enforcement actions and other relevant information, to the nationwide mortgage licensing system and registry.   [PL 2009, c. 362, Pt. B, §1 (NEW).]SECTION HISTORY PL 2009, c. 362, Pt. B, §1 (NEW).
9-A ME Rev Stat § 13-118 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 13: MAINE SECURE AND FAIR ENFORCEMENT FOR MORTGAGE LICENSING ACT OF 2009|9-A §13-118. Unique identifier shown

 §13-118. Unique identifier shown The unique identifier of any person originating a residential mortgage loan must be clearly shown on all residential mortgage loan application forms, solicitations or advertisements, including business cards or publicly accessible websites and any other documents as established by rule or order of the administrator.   [PL 2009, c. 362, Pt. B, §1 (NEW).]SECTION HISTORY PL 2009, c. 362, Pt. B, §1 (NEW).
9-A ME Rev Stat § 13-119 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 13: MAINE SECURE AND FAIR ENFORCEMENT FOR MORTGAGE LICENSING ACT OF 2009|9-A §13-119. Rulemaking

 §13-119. Rulemaking Rules adopted pursuant to this Article are routine technical rules as defined in Title 5, chapter 375, subchapter 2‑A.   [PL 2009, c. 362, Pt. B, §1 (NEW).]SECTION HISTORY PL 2009, c. 362, Pt. B, §1 (NEW).
9-A ME Rev Stat § 13-120 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 13: MAINE SECURE AND FAIR ENFORCEMENT FOR MORTGAGE LICENSING ACT OF 2009|9-A §13-120. Effective date

 §13-120. Effective date This Article takes effect January 1, 2011.   [PL 2009, c. 497, §1 (AMD).]SECTION HISTORY PL 2009, c. 362, Pt. B, §1 (NEW). PL 2009, c. 497, §1 (AMD).
9-A ME Rev Stat § 14-101 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 14: STUDENT LOAN BILL OF RIGHTS|9-A §14-101. Short title

 §14-101. Short title This Article may be known and cited as "the Student Loan Bill of Rights."   [PL 2019, c. 431, §2 (NEW); PL 2019, c. 431, §4 (AFF).]SECTION HISTORY PL 2019, c. 431, §2 (NEW). PL 2019, c. 431, §4 (AFF).
9-A ME Rev Stat § 14-102 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 14: STUDENT LOAN BILL OF RIGHTS|9-A §14-102. Applicability

 §14-102. Applicability This Article applies to a person who acts as a student loan servicer in this State, except that this Article does not apply to a supervised financial organization or a financial institution holding company as defined in Title 9‑B, section 1011, subsection 1, to a mutual holding company as defined in Title 9‑B, section 1052, subsection 2 or to a wholly owned subsidiary of a supervised financial organization, financial institution holding company or mutual holding company.   [PL 2019, c. 431, §2 (NEW); PL 2019, c. 431, §4 (AFF).]SECTION HISTORY PL 2019, c. 431, §2 (NEW). PL 2019, c. 431, §4 (AFF).
9-A ME Rev Stat § 14-103 (2021)
2021 Maine Revised Statutes|TITLE 9-A: MAINE CONSUMER CREDIT CODE|Article 14: STUDENT LOAN BILL OF RIGHTS|9-A §14-103. Definitions

 §14-103. Definitions As used in this Article, unless the context otherwise indicates, the following terms have the following meanings.   [PL 2019, c. 431, §2 (NEW); PL 2019, c. 431, §4 (AFF).]1.  Servicing.  "Servicing" means:   A. Receiving any scheduled periodic payments from a student loan borrower or notification of such payments and applying the payments to the student loan borrower's account pursuant to the terms of a student education loan or to the terms of the contract governing the servicing of the student education loan;   [PL 2019, c. 431, §2 (NEW); PL 2019, c. 431, §4 (AFF).]B. During a period when a payment is not required on a student education loan, maintaining account records for a student education loan and communicating with a student loan borrower regarding the loan on behalf of the loan's holder; or   [PL 2019, c. 431, §2 (NEW); PL 2019, c. 431, §4 (AFF).]C. Interactions with a student loan borrower, including activities to help prevent default on obligations arising from student education loans, conducted to facilitate any of the activities described in paragraph A or B.   [PL 2019, c. 431, §2 (NEW); PL 2019, c. 431, §4 (AFF).][PL 2019, c. 431, §2 (NEW); PL 2019, c. 431, §4 (AFF).] 2.  Student education loan.  "Student education loan" means a loan that is extended to a student loan borrower expressly for postsecondary education expenses or other school-related expenses and does not include open-ended credit or any loan that is secured by real property.   [PL 2019, c. 431, §2 (NEW); PL 2019, c. 431, §4 (AFF).] 3.  Student loan borrower.  "Student loan borrower" means:   A. A resident of this State who has received or agreed to pay a student education loan; or   [PL 2019, c. 431, §2 (NEW); PL 2019, c. 431, §4 (AFF).]B. A person who shares legal responsibility with a resident under paragraph A for repaying the student education loan.   [PL 2019, c. 431, §2 (NEW); PL 2019, c. 431, §4 (AFF).][PL 2019, c. 431, §2 (NEW); PL 2019, c. 431, §4 (AFF).] 4.  Student loan servicer.  "Student loan servicer" means a person, wherever located, responsible for the servicing of a student education loan to a student loan borrower. "Student loan servicer" does not include a supervised financial organization or a financial institution holding company as defined in Title 9‑B, section 1011, subsection 1, a mutual holding company as defined in Title 9‑B, section 1052, subsection 2 or a wholly owned subsidiary of a supervised financial organization, financial institution holding company or mutual holding company.   [PL 2019, c. 431, §2 (NEW); PL 2019, c. 431, §4 (AFF).] 5.  Superintendent.  "Superintendent" means the Superintendent of Consumer Credit Protection within the Department of Professional and Financial Regulation.   [PL 2019, c. 431, §2 (NEW); PL 2019, c. 431, §4 (AFF).] SECTION HISTORY PL 2019, c. 431, §2 (NEW). PL 2019, c. 431, §4 (AFF).