reglab/housing_qa huggingface dataset:
MS Code § 63-19-43 (2020)
2020 Mississippi Code|Title 63 - Motor Vehicles and Traffic Regulations|Chapter 19 - Motor Vehicle Sales Finance Law|§ 63-19-43. Maximum finance charge; security interests

  The maximum finance charge which may be contracted for or received for any purchase money loan or purchase money extension of credit made by any lender or by any licensed retail seller, or by any other entity that is expressly exempt from licensing but expressly subject to compliance with this chapter under the provisions of Section 63-19-7, in connection with sales or financing of motor vehicles and commercial vehicles, as defined in Section 63-19-3(a) and 63-19-3(b), made under this chapter, may result in a yield not to exceed the following annual percentage rates calculated according to the actuarial method:   Class 1. Any new motor vehicle manufactured in the same year or the year immediately prior to the year in which the sale is made - eighteen percent (18%) per annum on the unpaid balance.   Class 2. Any new motor vehicle not in Class 1, any used motor vehicle manufactured not more than two (2) years prior to the year in which the sale is made, and any new commercial vehicle or used commercial vehicle manufactured not more than one (1) year prior to the year in which the sale is made - twenty-one percent (21%) per annum on the unpaid balance.   Class 3. Any used motor vehicle not in Class 2 and manufactured not more than four (4) years prior to the year in which the sale is made and any used commercial vehicle not in Class 2 - twenty-six and seventy-five one-hundredths percent (26.75%) per annum on the unpaid balance.   Class 4. Any used motor vehicle not in Class 2 or Class 3 and manufactured more than four (4) years prior to the year in which the sale is made - twenty-eight and seventy-five one-hundredths percent (28.75%) per annum on the unpaid balance.     The discount rate referred to in subsection (1) of this section shall be determined, posted and accorded evidentiary weight as provided in Section 75-17-33.   Any subsequent extension, renewal or refinancing of any purchase money loan or purchase money extension of credit under this chapter which is secured by a perfected security interest in a motor vehicle or commercial vehicle pursuant to Section 63-21-43 shall continue to be secured by such security interest without the necessity of reapplying for a certificate of title under that section.
MS Code § 63-19-45 (2020)
2020 Mississippi Code|Title 63 - Motor Vehicles and Traffic Regulations|Chapter 19 - Motor Vehicle Sales Finance Law|§ 63-19-45. Assignment of retail installment contract

 Any sales finance company may purchase or acquire or agree to purchase or acquire from any seller any contract on such terms and conditions as may be agreed upon between them. Filing of the assignment, notice to the buyer of the assignment, and any requirement that the holder maintain dominion over the payments or the motor vehicle if repossessed shall not be necessary to the validity of a written assignment of a contract as against creditors, subsequent purchasers, pledgees, mortgagees and lien claimants of the seller. Unless the buyer has notice of the assignment of his contract, payment thereunder made by the buyer to the last known holder of such contract shall be binding upon all subsequent holders.
MS Code § 63-19-47 (2020)
2020 Mississippi Code|Title 63 - Motor Vehicles and Traffic Regulations|Chapter 19 - Motor Vehicle Sales Finance Law|§ 63-19-47. Payment of debt in full prior to maturity

 Notwithstanding the provisions of any retail installment contract to the contrary, any buyer may pay in full at any time before maturity the debt of any retail installment contract and in so paying such debt shall receive a refund credit thereon for such anticipation of payments provided such contract shall have a precomputed finance charge. The amount of such refund shall be calculated on the rule of the sum of the digits, commonly known as the "Rule of 78ths," after deducting from such refund an acquisition cost of Ten Dollars ($10.00). Where the amount of credit is less than One Dollar ($1.00), no refund need be made. In the event the finance charge on a contract evidencing the sale of a commercial vehicle is not precomputed, any buyer may pay in full at any time before maturity the then remaining unpaid principal balance of the contract and shall pay a penalty for such prepayment as may have been agreed to by the buyer and the seller in the contract, not to exceed Fifty Dollars ($50.00).   The provisions of this section shall apply in the event the vehicle is repossessed by the finance company or the dealer, and the dealer is required to pay the balance of indebtedness due the holder thereof.
MS Code § 63-19-51 (2020)
2020 Mississippi Code|Title 63 - Motor Vehicles and Traffic Regulations|Chapter 19 - Motor Vehicle Sales Finance Law|§ 63-19-51. Administration of chapter

 The commissioner is authorized to employ the necessary examiners and other personnel required to administer the provisions of this chapter and to fix their compensation commensurate with their duties. All salaries, travel and other expenses incident to the administration of this chapter shall be paid by the commissioner by warrants issued by the State Auditor. Said State Auditor shall issue his warrant upon requisition signed by the commissioner or his duly authorized agent. All salaries, travel and other expenses incident to the administration of this chapter shall be paid monthly. All travel, subsistence and other expenses shall be audited by the commissioner or his duly authorized agent. All warrants issued by the State Auditor pursuant to the provisions of this section shall be paid by the State Treasurer out of the "Consumer Finance Fund" created by Section 63-19-27.
MS Code § 63-19-52 (2020)
2020 Mississippi Code|Title 63 - Motor Vehicles and Traffic Regulations|Chapter 19 - Motor Vehicle Sales Finance Law|§ 63-19-52. Administration of chapter; issuance of rules and regulations

 The commissioner shall have the power and authority to adopt, promulgate and issue such rules and regulations, not inconsistent with this article, or any other statute of the State of Mississippi, as he shall deem necessary for the purpose of the administration of this chapter. A copy of every rule and regulation promulgated by the commissioner shall be filed in accordance with the Administrative Procedures Law, Section 25-43-1 et seq.
MS Code § 63-19-53 (2020)
2020 Mississippi Code|Title 63 - Motor Vehicles and Traffic Regulations|Chapter 19 - Motor Vehicle Sales Finance Law|§ 63-19-53. Waiver of provisions of chapter

 Any waiver of the provisions of this chapter shall be unenforceable and void.
MS Code § 63-19-55 (2020)
2020 Mississippi Code|Title 63 - Motor Vehicles and Traffic Regulations|Chapter 19 - Motor Vehicle Sales Finance Law|§ 63-19-55. Penalties for violations of chapter

  Any person who willfully and intentionally violates any provision of this chapter or engages in the business of a sales finance company in this state without a license therefor as provided in this chapter shall be guilty of a misdemeanor and, upon conviction, shall be punished by a fine not exceeding Five Hundred Dollars ($500.00). However, any licensee who is exempt from liability for an act or omission under Section 63-19-57 shall not be guilty of a misdemeanor under this section for the same act or omission.   If any person engages in business as provided for in this chapter without paying the license fee provided for in this chapter before commencing business or before the expiration of the person's current license, as the case may be, then the person shall be liable for the full amount of the license fee, plus a penalty in an amount not to exceed Twenty-five Dollars ($25.00) for each day that the person has engaged in the business without a license or after the expiration of a license.   The commissioner may, after notice and hearing, impose a civil penalty against any licensee if the licensee or employee is adjudged by the commissioner to be in violation of the provisions of this chapter. The civil penalty shall not exceed Five Hundred Dollars ($500.00) per violation and shall be deposited into the Consumer Finance Fund of the Department of Banking and Consumer Finance.   Any person willfully violating Sections 63-19-31 through 63-19-45, shall be barred from recovery of any finance charge, delinquency or collection charge on the contract.   However, any such contract purchased in good faith for value by any bank, trust company, private bank, industrial bank or investment company authorized to do business in this state shall be held and construed to be valid and enforceable in the hands of the purchaser for value, except that such purchaser shall not be permitted to recover on such contract from the buyer anything in excess of the principal balance due thereon, plus the amount of the finance and collection charges permitted under the terms and provisions of this chapter.   When the commissioner has reasonable cause to believe that a person is violating any provision of this chapter, the commissioner, in addition to and without prejudice to the authority provided elsewhere in this chapter, may enter an order requiring the person to stop or to refrain from the violation. The commissioner may sue in any circuit court of the state having jurisdiction and venue to enjoin the person from engaging in or continuing the violation or from doing any act in furtherance of the violation. In such an action, the court may enter an order or judgment awarding a preliminary or permanent injunction.
MS Code § 63-19-56 (2020)
2020 Mississippi Code|Title 63 - Motor Vehicles and Traffic Regulations|Chapter 19 - Motor Vehicle Sales Finance Law|§ 63-19-56. Commissioner authorized to examine persons suspected of conducting business requiring a license

 The commissioner, or his duly authorized representative, for the purpose of discovering violations of this chapter and for the purpose of determining whether persons are subject to the provisions of this chapter, may examine persons licensed under this chapter and persons reasonably suspected by the commissioner of conducting business that requires a license under this chapter, including all relevant books, records and papers employed by those persons in the transaction of their business, and may summon witnesses and examine them under oath concerning matters relating to the business of those persons, or such other matters as may be relevant to the discovery of violations of this chapter, including without limitation the conduct of business without a license as required by this chapter.
MS Code § 63-19-57 (2020)
2020 Mississippi Code|Title 63 - Motor Vehicles and Traffic Regulations|Chapter 19 - Motor Vehicle Sales Finance Law|§ 63-19-57. Liability of licensees

  A licensee under this chapter shall have no liability for any act or practice done or omitted in conformity with (a) any rule or regulation of the commissioner, or (b) any rule, regulation, interpretation or approval of any other state or federal agency or any opinion of the Attorney General, notwithstanding that after such act or omission has occurred the rule, regulation, interpretation, approval or opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason.   A licensee under this chapter, acting in conformity with a written interpretation or approval by an official or employee of any state or federal agency or department, shall be presumed to have acted in accordance with applicable law, notwithstanding that after such act has occurred, the interpretation or approval is amended, rescinded, or determined by judicial or other authority to be incorrect or invalid for any reason.
MS Code § 63-23-1 (2020)
2020 Mississippi Code|Title 63 - Motor Vehicles and Traffic Regulations|Chapter 23 - Abandoned Motor Vehicles|§ 63-23-1. Purpose of chapter

 The intent of this chapter is to provide a means for removing abandoned motor vehicles from the right-of-way and open lands of the state to enhance the beauty of the countryside and the health and welfare of its citizens. It is also to provide a means of relieving automobile dealers, repairmen, and others dealing in motor vehicles from unnecessary storage of deteriorated cars which prevent the use of such floorspace or property for storage for hire or use in their business, and is therefore in the public interest.
MS Code § 63-23-3 (2020)
2020 Mississippi Code|Title 63 - Motor Vehicles and Traffic Regulations|Chapter 23 - Abandoned Motor Vehicles|§ 63-23-3. "Abandoned motor vehicle" defined

 For the purposes of this chapter, an "abandoned motor vehicle" shall mean a motor vehicle as defined by the Mississippi Motor Vehicle Title Law:   which has been left by the owner, or some person acting for the owner, with an automobile dealer, repairman or wrecker service for repair or for some other reason and has not been called for by such owner or other person within a period of forty (40) days after the time agreed upon or within forty (40) days after such vehicle is turned over to such dealer, repairman or wrecker service when no time is agreed upon.   which is left unattended on a public street, road or highway or other public property for a period of at least five (5) days.   which has been lawfully towed onto the property of another at the written request of a law enforcement officer and left there for a period of not less than forty (40) days without any one having made claim thereto.
MS Code § 63-23-5 (2020)
2020 Mississippi Code|Title 63 - Motor Vehicles and Traffic Regulations|Chapter 23 - Abandoned Motor Vehicles|§ 63-23-5. Sale or disposal of vehicle generally; notification of lienholders; report of sale; disposition of proceeds of sale

  Any automobile dealer, wrecker service, or repair service owner, or any person or party on whose property a motor vehicle is lawfully towed at the written request of a law enforcement officer, who shall have an abandoned motor vehicle on his property, may sell, free and clear of all claims such motor vehicle by public auction, or if the abandoned motor vehicle has no market value, may dispose of the same after having received at least two (2) written statements from licensed automobile dealers as to the worthlessness of such motor vehicle and after compliance with subsection (2) of this section and Section 63-23-9. An abandoned motor vehicle as defined by Section 63-23-3(b) shall not be sold at auction until thirty (30) days from date of removal from a public street, road or highway.   The person authorized to execute the sale or disposal of an abandoned motor vehicle shall notify, within ten (10) days of receipt of such vehicle, any Mississippi lienholder on such vehicle that unless a claim on the vehicle is made within thirty (30) days of such notice, the vehicle will be sold or destroyed.   After the sale of any vehicle as set out hereinabove is made, the person or officer designated and making the sale of such property shall promptly upon completion of the sale deliver to the chancery clerk a list or itemization of the property sold, the amount paid for each item, the person to whom each item was sold, and all moneys received from such sale, the gross charges levied by the person making the sale against the property sold and the net amount paid over to the chancery clerk. Any sale made by any person, officer, corporation or association, shall have attached to the report of sale a sworn statement certifying as to the date such personal property or items sold first came into his possession or was abandoned on his premises and the date said personal property or item was sold.   The proceeds of the sale in excess of repair, towing and storage expenses and all expenses incurred in connection with a sale when a sale is made under the provisions of this chapter, shall escheat to the county and shall be paid over to the chancery clerk to be placed into the general fund of the county in which the vehicle is abandoned. However, in those municipalities availing themselves of the provisions of Section 21-39-21, the proceeds of the sale in excess of the repairs, towing, storage or other necessary expenses incurred shall escheat to the general fund of the municipality.
MS Code § 63-23-7 (2020)
2020 Mississippi Code|Title 63 - Motor Vehicles and Traffic Regulations|Chapter 23 - Abandoned Motor Vehicles|§ 63-23-7. Determination of status of vehicle under title law prior to disposition of vehicle

 Prior to disposition of an abandoned motor vehicle any automobile dealer, wrecker service or repair service owner, or any person on whose property such a vehicle is lawfully towed at the written request of a law enforcement officer, shall inquire of the State Tax Commission as to status of the vehicle in regard to the Mississippi Motor Vehicle Title Law. Said inquiry shall provide the description of the vehicle including the vehicle identification number. Upon request of the State Tax Commission, satisfactory evidence must be furnished as to abandonment in compliance with this chapter. Upon receipt of notification of the foregoing, the State Tax Commission shall advise any automobile dealer, wrecker service or repair service owner, or any person on whose property such a vehicle is lawfully towed at the written request of a law enforcement officer, of proper titling procedures, where indicated, depending upon method of disposition of the vehicle.
MS Code § 63-23-9 (2020)
2020 Mississippi Code|Title 63 - Motor Vehicles and Traffic Regulations|Chapter 23 - Abandoned Motor Vehicles|§ 63-23-9. Notification of registered owner and lienholders of record prior to disposition of vehicle

 The last-known registered owner of an abandoned motor vehicle and all lienholders of record, when such information is reasonably obtainable, shall be notified by registered or certified mail that such vehicle will be sold pursuant to the provisions of this chapter. Said notice shall give such owner and lienholders the date, time and place of sale and name of the person or party who has custody of such vehicle.   If the identity of the last registered owner cannot be determined, or if the registration contains no address for the owner, or if it is impossible to determine with reasonable certainty the identity and addresses of all lienholders, notice by three publications once each week for three consecutive weeks in a newspaper of general circulation in the county where the motor vehicle was abandoned shall be sufficient to meet all requirements of notice pursuant to this chapter.
MS Code § 63-23-11 (2020)
2020 Mississippi Code|Title 63 - Motor Vehicles and Traffic Regulations|Chapter 23 - Abandoned Motor Vehicles|§ 63-23-11. Claim of vehicle prior to sale

 Any person proving ownership or any lienholder may claim subject motor vehicle at any time prior to sale by paying towing, repair, storage and other necessary expenses incurred.
MS Code § 63-25-1 (2020)
2020 Mississippi Code|Title 63 - Motor Vehicles and Traffic Regulations|Chapter 25 - Motor Vehicle Chop Shop, Stolen and Altered Property Act|§ 63-25-1. Short title

 Sections 63-25-1 through 63-25-11 shall be known and may be cited as the "Motor Vehicle Chop Shop, Stolen and Altered Property Act."
MS Code § 63-25-3 (2020)
2020 Mississippi Code|Title 63 - Motor Vehicles and Traffic Regulations|Chapter 25 - Motor Vehicle Chop Shop, Stolen and Altered Property Act|§ 63-25-3. Definitions

 As used in Sections 63-25-1 through 63-25-11, the following terms shall have the meaning ascribed to them herein:   "Chop shop" means any building, lot or other premise where one or more persons are or have been knowingly engaged in altering, destroying, disassembling, dismantling, reassembling or knowingly storing any motor vehicle or motor vehicle part known to be illegally obtained by theft, fraud or conspiracy to defraud, in order to either:   Alter, counterfeit, deface, destroy, disguise, falsify, forge, obliterate or remove the identity, including the vehicle identification number of such motor vehicle or motor vehicle part in order to misrepresent the identity of such motor vehicle or motor vehicle part, or to prevent the identification of such motor vehicle or motor vehicle part; or   Sell or dispose of such motor vehicle or motor vehicle part.   "Motor vehicle" includes every device in, upon or by which any person or property is or may be transported or drawn upon a highway, which is self-propelled or which may be connected to and towed by a self-propelled device, and shall also include any and all other land-based devices which are self-propelled but which are not designed for use upon a highway, including, but not limited to, farm machinery, construction equipment, all-terrain vehicles and off-road vehicles.   "Person" includes a natural person, company, corporation, unincorporated association, partnership, professional corporation and any other legal entity.   "Unidentifiable" means that the uniqueness of a motor vehicle or motor vehicle part cannot be established by either expert law enforcement investigative personnel specially trained and experienced in motor vehicle theft investigation procedures and motor vehicle identification examination techniques, or by expert employees of not-for-profit motor vehicle theft prevention agencies specially trained and experienced in motor vehicle theft investigation procedures and motor vehicle identification examination techniques.   "Vehicle identification number" means a number or numbers, a letter or letters, a character or characters, a datum or data, a derivative or derivatives, or a combination or combinations thereof, used by the manufacturer for the purpose of uniquely identifying a motor vehicle or a motor vehicle part.
MS Code § 63-25-7 (2020)
2020 Mississippi Code|Title 63 - Motor Vehicles and Traffic Regulations|Chapter 25 - Motor Vehicle Chop Shop, Stolen and Altered Property Act|§ 63-25-7. Seizure of property

  Any motor vehicle or motor vehicle part with vehicle identification numbers or marks which have been altered, counterfeited, defaced, destroyed, disguised, falsified, forged, obliterated or removed may be seized and detained by law enforcement officials for a determination of the true identity of such property. Any such property seized by law enforcement officials, when ownership cannot be determined, shall be contraband and subject to forfeiture.   Any tool, implement or instrumentality used or possessed in connection with any violation of Section 63-25-5, may be seized by a member of a state or local law enforcement agency upon process issued by any court of competent jurisdiction.   Seizure of property described in subsections (1) or (2) of this section may be made by a member of a state or local law enforcement agency without process:   If in accordance with any applicable law or regulation;   If the seizure is incident to inspection under an administrative inspection;   If the seizure is incident to search made under a search warrant;   If the seizure is incident to a lawful arrest;   If the seizure is made pursuant to a valid consent to search;   If the property seized has been the subject of a prior judgment in favor of the state in a criminal proceeding, or in an injunction or forfeiture proceeding pursuant to Sections 63-25-1 through 63-25-11;   If there are reasonable grounds to believe that the property is directly or indirectly dangerous to health or safety; or   If the property is a motor vehicle or motor vehicle part seized pursuant to subsection (1) of this section.     When property is seized pursuant to this section, the seizing agency may remove the property to a place selected and designated by the seizing agency.   No civil liability shall be attached to any law enforcement officer acting in good faith in regard to the seizure and forfeiture of motor vehicles, motor vehicle parts, tools, implements or instrumentalities pursuant to Sections 63-25-1 through 63-25-11.