reglab/housing_qa huggingface dataset:
SC Code § 40-39-50 (2021)
2021 South Carolina Code of Laws|Title 40 - Professions and Occupations|Chapter 39 - Pawnbrokers|Section 40-39-50. Bonding and insurance requirements; notice of potential threats to pawned goods.

 (A) A person seeking a certificate of authority to carry on the business of a pawnbroker shall at the time of application for his certificate file with the Department of Consumer Affairs:  (1) a bond in favor of the department to be executed by the person granted the certificate by a surety company licensed to do business in this State in the penal sum of fifteen thousand dollars to be approved by the administrator. The bond must be conditioned for the faithful performance of the duties and obligations pertaining to the business so authorized; and  (2) proof of adequate insurance coverage for all pledged goods in the event of loss by fire, theft, burglary or otherwise, or liability to the pledgor.  (B) Within twenty-one calendar days after the occurrence of an event that may affect pledged goods, including, but not limited to, fire, theft, or judicial proceedings, a pawnbroker shall file a written notice on a form prescribed by the department describing the event and its expected impact upon the business.  HISTORY: 1988 Act No. 491, Section 2; 2016 Act No. 262 (H.4090), Section 8, eff June 9, 2016.  Editor's Note  Prior Laws:1900 (23) 427; Civ. C. '02 Section 1749; Civ. C. '12 Section 2625; Civ. C. '22 Section 3946; 1932 Code Section 7130; 1942 Code Section 7130; 1952 Code Section 56-1155; 1962 Code Section 56-1155.  Effect of Amendment  2016 Act No. 262, Section 8, inserted the paragraph designators; in (A), substituted "A person" for "Every person"; in (A)(1), substituted "by" for "and by two responsible sureties or", substituted "fifteen thousand dollars" for "five thousand dollars", and deleted the prior last three sentences, relating to evidence of financial responsibility; added (A)(2) and (B), relating to insurance and written notice of an event that may affect pledged goods; and made other nonsubstantive changes.
SC Code § 40-39-55 (2021)
2021 South Carolina Code of Laws|Title 40 - Professions and Occupations|Chapter 39 - Pawnbrokers|Section 40-39-55. Periodic dollar amount adjustments.

 (A) Effective July 1, 2021, and each fifth July first thereafter, the dollar amounts in Section 40-39-50(A)(1) and the dollar amounts concerning loans in Section 40-39-100 must be adjusted by the department to reflect the percentage change for the five-year period in the Consumer Price Index for All Urban Consumers published by the Bureau of Labor Statistics of the Department of Labor.  (B) The administrator shall publish a notice in the State Register of the changes in dollar amounts before May first of each year in which dollar amounts are to change. A person must not be considered to violate the provisions of this chapter with respect to a transaction otherwise complying with those provisions if he relies on dollar amounts appearing in the last notice of the administrator announcing the dollar amounts current at that time.  (C) The dollar amounts may not change more than ten percent for each adjustment period.  (D) The dollar amounts in Section 40-39-50(A)(1) and Section 40-39-100(C) are subject to change in accordance with this section.  HISTORY: 2016 Act No. 262 (H.4090), Section 1, eff June 9, 2016.
SC Code § 40-39-60 (2021)
2021 South Carolina Code of Laws|Title 40 - Professions and Occupations|Chapter 39 - Pawnbrokers|Section 40-39-60. Actions on bond.

 If any person is aggrieved by the misconduct of any licensed pawnbroker and recovers judgment against him thereafter, he may, after the return unsatisfied, either in whole or in part, of any execution issued upon the judgment, maintain an action in his own name upon the bond of the pawnbroker in any court having jurisdiction of the amount claimed.  HISTORY: 1988 Act No. 491, Section 2.  Editor's Note  Prior Laws:1900 (23) 427; Civ. C. '02 Section 1750; Civ. C. '12 Section 2626; Civ. C. '22 Section 3947; 1932 Code Section 7131; 1942 Code Section 7131; 1952 Code Section 56-1156; 1962 Code Section 56-1156.
SC Code § 40-39-70 (2021)
2021 South Carolina Code of Laws|Title 40 - Professions and Occupations|Chapter 39 - Pawnbrokers|Section 40-39-70. Recordkeeping; identity verifications; only owners or their agents may pawn or sell.

 (A) A pawnbroker shall keep a record, at the time of any loan or purchase, containing:  (1) an account, description, and digital photograph of the goods, articles, or things pawned, pledged, or purchased;  (2) the amount of money loaned thereon;  (3) the time of pledging them;  (4) the charges or the rate of interest to be paid on the loan; and  (5) the name and residence of the person selling, pawning, or pledging the goods, articles, or things.  (B) Before a pledge or purchase, the pawnbroker shall verify the identity of the pledgor or seller by reviewing a state-issued or federally issued photographic identification card, including a United States military identification card, or a passport issued by the United States.  (C) A pawn or purchase transaction must be performed by the owner of the property, or his authorized agent, whose identity and agency relationship must be verified by the pawnbroker.  HISTORY: 1988 Act No. 491, Section 2; 2016 Act No. 262 (H.4090), Section 9, eff June 9, 2016; 2018 Act No. 191 (S.810), Section 1, eff August 15, 2018.  Editor's Note  Prior Laws:1900 (23) 427; Civ. C. '02 Section 1751; Civ. C. '12 Section 2627; Civ. C. '22 Section 3948; 1932 Code Section 7132; 1942 Code Section 7132; 1952 Code Section 56-1157; 1962 Code Section 56-1157; 1962 (52) 1959.  Effect of Amendment  2016 Act No. 262, Section 9, inserted paragraph designator (A); in (A), inserted "or purchase", and inserted "selling"; and added (B) and (C), relating to identity verification and transaction performance requirements.  2018 Act No. 191, Section 1, amended (A), requiring pawnbrokers to keep digital photographs of goods, articles, or things pawned.
SC Code § 40-39-90 (2021)
2021 South Carolina Code of Laws|Title 40 - Professions and Occupations|Chapter 39 - Pawnbrokers|Section 40-39-90. Recordkeeping; electronic transfers; database.

 (A) Records kept by pawnbrokers pursuant to this chapter must at all reasonable times be open to the inspection by court officials, law enforcement officers, the Administrator of the Department of Consumer Affairs, and their designees. Any loan records identifying any individual must be handled in a confidential manner at all times.  (B) Pawnshops operating in this State shall provide all records of pledged items by electronic data transfer to a database system accessible by law enforcement and approved by the South Carolina Department of Consumer Affairs.  HISTORY: 1988 Act No. 491, Section 2; 2018 Act No. 191 (S.810), Section 2, eff August 15, 2018.  Editor's Note  Prior Laws:1900 (23) 427; Civ. C. '02 Section 1753; Civ. C. '12 Section 2629; Civ. C. '22 Section 3950; 1932 Code Section 7134; 1942 Code Section 7134; 1952 Code Section 56-1159; 1962 Code Section 56-1159.  Effect of Amendment  2018 Act No. 191, Section 2, inserted the (A) designator; added (B), relating to the requirement that pawnshops provide all records of pledged items by electronic data transfer to a database system; and made a nonsubstantive change.
SC Code § 40-39-110 (2021)
2021 South Carolina Code of Laws|Title 40 - Professions and Occupations|Chapter 39 - Pawnbrokers|Section 40-39-110. Vesting of title to pledged property.

 If any loan remains unpaid for a period of sixty days from the due date or any renewal or extension thereof, the title of the borrower or pledgor to the property pledged to secure the loan shall vest in the pawnbroker, without advertising, sale, or accountability to the pledgor, if the pawn ticket or memorandum delivered to the borrower in accordance with Section 40-39-80, contains on the back thereof a notice to that effect, and if a printed or written notice of the impending forfeiture is mailed to the pledgor at the address given on the pawn ticket, at least ten days prior to the forfeiture date. This notice must contain a description of the article pledged, and the amount due thereon as of the date of the notice. No notice is required on loans of fifty dollars or less.  HISTORY: 1988 Act No. 491, Section 2.  Editor's Note  Prior Laws:1900 (23) 427; Civ. C. '02 Section 1755; Civ. C. '12 Section 2631; Civ. C. '22 Section 3952; 1932 Code Section 7136; 1942 Code Section 7136; 1952 Code Section 56-1161; 1962 Code Section 56-1161; 1962 (52) 1959.
SC Code § 40-39-120 (2021)
2021 South Carolina Code of Laws|Title 40 - Professions and Occupations|Chapter 39 - Pawnbrokers|Section 40-39-120. Certificate of authority renewals; penalties for noncompliance; limited operations after lapses.

 (A) A pawnbroker applying for a certificate of authority shall tender to the department a fee of two hundred seventy-five dollars plus all other applicable fees required by other agencies to process the application. The administrator may revoke any certificate of authority if the pawnbroker has violated this chapter or any regulation or order lawfully made pursuant to this chapter, or if facts or conditions exist which would clearly have justified the administrator in refusing to grant a certificate of authority had these facts or conditions been known to exist at the time the application for certificate of authority was made. The administrator may promulgate regulations for obtaining and revoking the certificate of authority. Certificates of authority must be renewed on a yearly basis. Applications for renewal must be accompanied by a renewal fee of two hundred seventy-five dollars.  (B) If a pawnbroker's certificate of authority is not renewed before June thirtieth, the administrator shall assess the pawnbroker in addition to the renewal in subsection (A). If a pawnbroker fails to renew his certificate of authority within thirty days after the date the certificate of authority expires or otherwise maintain a valid certificate of authority, the administrator shall require the pawnbroker to comply with the requirements for the initial issuance of a certificate of authority pursuant to this chapter, in addition to any assessment that has accrued.  (C) In the event of closure because of surrender or revocation of a certificate of authority, a pawnbroker shall, for the sole purpose of allowing a pledgor to redeem pledged goods, maintain usual business hours at the pawnshop for ninety days after the latest maturity date of a pawn transaction made at that pawnshop or transfer of pledged goods to a pawnbroker with a valid certificate of authority.  HISTORY: 1988 Act No. 491, Section 2; 2016 Act No. 262 (H.4090), Section 12, eff June 9, 2016.  Editor's Note  Prior Laws:1900 (23) 427; Civ. C. '02 Section 1749; Civ. C. '12 Section 2625; Civ. C. '22 Section 3946; 1932 Code Section 7130; 1942 Code Section 7130; 1952 Code Section 56-1163; 1962 Code Section 56-1163.  Effect of Amendment  2016 Act No. 262, Section 12, inserted paragraph designator (A); in (A), made nonsubstantive changes in capitalization of the phrase "certificate of authority"; and added (B) and (C), relating to penalties for noncompliance and limited operations after lapses.
SC Code § 40-39-130 (2021)
2021 South Carolina Code of Laws|Title 40 - Professions and Occupations|Chapter 39 - Pawnbrokers|Section 40-39-130. Pawnbrokers to comply with federal law; enforcement powers of administrator.

 All pawnbrokers shall comply with the Federal Truth in Lending Act. The administrator has the administrative enforcement powers set forth in Section 108 of the Federal Truth in Lending Act.  HISTORY: 1988 Act No. 491, Section 2.
SC Code § 40-39-140 (2021)
2021 South Carolina Code of Laws|Title 40 - Professions and Occupations|Chapter 39 - Pawnbrokers|Section 40-39-140. Third-party ownership of pledge and sold property; returns; pawnbroker remedies and liability exemption.

 (A) No pawnbroker shall accept property from a pledgor or seller upon which there is evidence of ownership by a third party without first taking reasonable steps to ascertain its true ownership. Any such item accepted for pawn or purchased by a pawnbroker must be returned on demand without fee to the third party owner.  (B)(1) If property in the possession of a pawnbroker was leased to a pledgor or seller when the pledgor or seller pledged or sold the property to the pawnbroker, the pawnbroker shall return the property to the lessor if the lessor provides the pawnbroker with evidence that the property was the lessor's property and was leased to the pledgor or seller at the time the property was pledged or sold to the pawnbroker. For the purposes of this section, a lease or other written agreement containing a matching item description shall be sufficient evidence of the lessor's ownership of the property.  (2) If property in the possession of a pawnbroker was leased to a pledgor or seller when the pledgor or seller pledged or sold the property to the pawnbroker and the pawnbroker returns the property to the lessor, the pledgor or seller must pay the pawnbroker:  (a) the amount financed, the finance fee for the pawn transaction, and any costs associated with collecting those amounts and fees, if the property was pledged to the pawnbroker; or  (b) the amount that the pawnbroker paid the seller and any costs associated with collecting that amount if the property was sold to the pawnbroker.  (3) A pawnbroker is not liable to the pledgor or seller of property that is recovered by a lessor under item (1) for returning the property to a lessor.  HISTORY: 1988 Act No. 491, Section 2; 2016 Act No. 262 (H.4090), Section 13, eff June 9, 2016.  Effect of Amendment  2016 Act No. 262, Section 13, inserted paragraph designator (A); in (A), inserted "or seller" and "or purchased"; and added (B), relating to returns and pawnbroker remedies and liability exemption.
SC Code § 40-39-145 (2021)
2021 South Carolina Code of Laws|Title 40 - Professions and Occupations|Chapter 39 - Pawnbrokers|Section 40-39-145. Hold orders.

 (A) When an appropriate law enforcement official has probable cause to believe that property in the possession of a pawnbroker is misappropriated or stolen, he shall deliver to the pawnbroker the relevant police report or case number pertaining to the property, and the pawnbroker shall release the property to the appropriate law enforcement agency for use in a criminal investigation or return the property to the identified innocent owner. A pawnbroker who releases the property to law enforcement must be listed as a statutory victim on all transmitted reports and case files. If at the conclusion of the criminal investigation no identifiable innocent owner is found, the property must be returned to the pawnbroker by the appropriate law enforcement agency.  (B) The release of the property to the custody of the appropriate law enforcement official is not considered a waiver or release of the pawnbroker's property rights or interest in the property. Upon completion of the criminal proceeding involving the property identified as stolen, the court additionally shall order the conveying customer to pay restitution to the pawnbroker in the amount received by the conveying customer for the property.  (C) When law enforcement seizes property pursuant to subsection (A), they shall hold the seized property for ten business days before releasing it to an innocent owner. During this ten business day period, a pawnbroker may file an action for claim and delivery of the seized property, provided it also shall serve notice of this action to the law enforcement agency. If no notice is received within this ten business day period, the law enforcement agency may release the property to an identified innocent owner. A law enforcement agency that receives notice shall hold the property during the pendency of the action.  HISTORY: 2016 Act No. 262 (H.4090), Section 2, eff June 9, 2016; 2018 Act No. 191 (S.810), Section 3, eff August 15, 2018.  Effect of Amendment  2018 Act No. 191, Section 3, rewrote the section.
SC Code § 40-39-150 (2021)
2021 South Carolina Code of Laws|Title 40 - Professions and Occupations|Chapter 39 - Pawnbrokers|Section 40-39-150. Administrative orders; penalties.

 (A) Upon finding that an action of a pawnbroker is in violation of the provisions of this chapter or of a law or regulation of this State or of the federal government or an agency of the state or federal government, the administrator may issue an administrative order requiring the pawnbroker to cease and desist from the action and may suspend, revoke, or refuse to issue a certificate of authority by order.  (B) The administrator also may issue an administrative order imposing administrative penalties of up to seven hundred fifty dollars for each offense upon persons violating any of the provisions of this chapter up to a maximum of fifteen thousand dollars for the same set of transactions or occurrences. Each violation constitutes a separate offense. In addition, a person violating the provisions of Sections 40-39-20 and 40-39-30 is guilty of a misdemeanor and, upon conviction, must be punished by a fine not exceeding one thousand dollars or by imprisonment for a term not exceeding sixty days, or both.  HISTORY: 1988 Act No. 491, Section 2; 1991 Act No. 142, Section 26; 2005 Act No. 128, Section 11; 2016 Act No. 262 (H.4090), Section 14, eff June 9, 2016.  Effect of Amendment  2016 Act No. 262, Section 14, rewrote the section, transferring the authority to order certain equitable relief from the administrative law court to the department.
SC Code § 40-39-155 (2021)
2021 South Carolina Code of Laws|Title 40 - Professions and Occupations|Chapter 39 - Pawnbrokers|Section 40-39-155. Contested case hearings.

 A person aggrieved by the final administrative order may request a contested case hearing before the Administrative Law Court pursuant to the court's rules of procedure. If the person fails to timely request a contested case hearing, the department may bring an action to enforce its order pursuant to Chapter 23, Title 1.  HISTORY: 2016 Act No. 262 (H.4090), Section 3, eff June 9, 2016.
SC Code § 40-39-160 (2021)
2021 South Carolina Code of Laws|Title 40 - Professions and Occupations|Chapter 39 - Pawnbrokers|Section 40-39-160. Violations of Sections 40-39-80, 40-39-90, 40-39-100, 40-39-110, and 40-39-130; pledgor's cause of action against pawnbroker.

 (1) If a pawnbroker violates Section 40-39-80, 40-39-100, 40-39-110, or 40-39-130, the pledgor has a cause of action to recover from the pawnbroker actual damages and the right in an action other than a class action to recover from the person violating these provisions a penalty in an amount to be determined by the court of not less than one hundred nor more than one thousand dollars. No action pursuant to this subsection may be brought more than one year after the scheduled or accelerated maturity of the debt.  (2) A pledgor is not obligated to pay a charge in excess of that allowed by this chapter, and has a right of refund of any excess charge paid within ten days of written demand. A refund may not be made by reducing the consumer's obligation by the amount of the excess charge unless the pawnbroker has notified the pledgor that the pledgor may request a refund and the pledgor has not so requested within ten days thereafter.  (3) In an action in which it is found that a pawnbroker has violated this chapter, the court shall award to the pledgor the costs of the action and to the pledgor's attorney reasonable fees. In determining attorney's fees the amount of recovery on behalf of the consumer is not controlling.  (4) Liability to the pledgor for violation of Section 40-39-130 is in lieu of and not in addition to his liability under the Federal Truth in Lending Act. No action with respect to the same violation may be maintained pursuant to both subsection (1) of this section and the Federal Truth in Lending Act.  (5) A pawnbroker who knowingly and intentionally violates the provisions of Section 40-39-90 is guilty of a misdemeanor and, upon conviction, must be fined not more than five hundred dollars or imprisoned not more than thirty days, or both. A violation of the provisions of this section is triable in magistrates or municipal court, as appropriate.  HISTORY: 1988 Act No. 491, Section 2; 2018 Act No. 191 (S.810), Section 4, eff August 15, 2018.  Effect of Amendment  2018 Act No. 191, Section 4, added (5), relating to violations of Section 40-39-90.
SC Code § 40-41-10 (2021)
2021 South Carolina Code of Laws|Title 40 - Professions and Occupations|Chapter 41 - Peddlers And Hawkers, Horse Traders, And Fortunetellers|Section 40-41-10. License required of peddlers and hawkers.

 No person shall as a hawker or peddler expose for sale or sell any goods, wares and merchandise in any county in this State unless he has received and is ready to produce and exhibit a license from the clerk of the court of common pleas of such county so to sell or expose for sale goods, wares and merchandise in such county.  HISTORY: 1962 Code Section 56-1201; 1952 Code Section 56-1201; 1942 Code Section 7120; 1932 Code Section 7120; Civ. C. '22 Section 3927; Civ. C. '12 Section 2618; Civ. C. '02 Section 1742; G. S. 1338; R. S. 1451; 1876 (16) 64; 1893 (21) 407.
SC Code § 40-41-20 (2021)
2021 South Carolina Code of Laws|Title 40 - Professions and Occupations|Chapter 41 - Peddlers And Hawkers, Horse Traders, And Fortunetellers|Section 40-41-20. Issuance and term of license.

 Such clerk shall issue licenses to hawkers and peddlers, to be good in his county until the last day of December next after the date of their issue, upon receiving from the applicant such fee therefor as the governing body of the county shall establish as the license fee for hawkers and peddlers in such county. Each license shall specify the sum paid therefor and the privileges granted thereby.  HISTORY: 1962 Code Section 56-1202; 1952 Code Section 56-1202; 1942 Code Section 7121; 1932 Code Section 7121; Civ. C. '22 Section 3938; Civ. C. '12 Section 2619; Civ. C. '02 Section 1743; R. S. 1452; 1893 (21) 408; 1935 (39) 472; 1938 (40) 1655; 1939 (41) 10, 212, 444; 1940 (41) 1704.
SC Code § 40-41-30 (2021)
2021 South Carolina Code of Laws|Title 40 - Professions and Occupations|Chapter 41 - Peddlers And Hawkers, Horse Traders, And Fortunetellers|Section 40-41-30. Amount of fee fixed by governing body of county.

 The governing body of each county shall fix and establish such license fees in its county at their first meeting in January of every year except as otherwise provided herein. Should the governing body of any county fail to fix such license fee at the designated meeting herein provided for, such fee may be fixed at any subsequent, regular or specifically called meeting of such governing body.  HISTORY: 1962 Code Section 56-1203; 1952 Code Section 56-1203; 1942 Code Section 7121; 1932 Code Section 7121; Civ. C. '22 Section 3938; Civ. C. '12 Section 2619; Civ. C. '02 Section 1743; R. S. 1452; 1893 (21) 408; 1935 (39) 472; 1938 (40) 1655; 1939 (41) 10, 212, 444; 1940 (41) 1704.