reglab/housing_qa huggingface dataset:
RI Gen L § 34-22-13 (2021)
2021 Rhode Island General Laws|Title 34 - Property|Chapter 34-22 - Powers|Section 34-22-13 - Powers as subjecting property to creditors.

§ 34-22-13. Powers as subjecting property to creditors.Except to the extent that a donee shall appoint to his or her estate or to his or her creditors, §§ 34-22-11 and 34-22-12 shall not be construed to subject to the claims of creditors of the donee the property which the donee is authorized to appoint.History of Section.P.L. 1958, ch. 54, § 1.
RI Gen L § 34-22-14 (2021)
2021 Rhode Island General Laws|Title 34 - Property|Chapter 34-22 - Powers|Section 34-22-14 - Severability of §§ 34-22-11 - 34-22-14.

§ 34-22-14. Severability of §§ 34-22-11 — 34-22-14.The provisions of §§ 34-22-11 — 34-22-14 are hereby declared to be severable; and in case any part, section or provision of §§ 34-22-11 — 34-22-14 are held invalid by any court of competent jurisdiction, the remaining parts, sections and provisions of §§ 34-22-11 — 34-22-14 shall not be thereby impaired or otherwise affected and the other parts, sections and provisions shall be given effect without the invalid provisions.History of Section.P.L. 1958, ch. 54, § 1.
RI Gen L § 34-23-1 (2021)
2021 Rhode Island General Laws|Title 34 - Property|Chapter 34-23 - Mortgages of Real Property|Section 34-23-1 - Effect of unrecorded defeasance.

§ 34-23-1. Effect of unrecorded defeasance.When a deed purports to contain an absolute conveyance of real estate but is made defeasible by a deed, bond or other instrument, the original deed shall not be thereby affected as against any person, other than the maker of the instrument of defeasance and his or her heirs and devisees and persons having actual notice of it, unless such defeasance is recorded in the records of land evidence in the town or city in which the real estate to which it relates is situated prior to the conveyance to such other person.History of Section.G.L. 1896, ch. 207, § 1; G.L. 1909, ch. 258, § 1; G.L. 1923, ch. 302, § 1; G.L. 1938, ch. 442, § 1; G.L. 1956, § 34-23-1.
RI Gen L § 34-23-2 (2021)
2021 Rhode Island General Laws|Title 34 - Property|Chapter 34-23 - Mortgages of Real Property|Section 34-23-2 - Redemption right of mortgagor or vendor with defeasance.

§ 34-23-2. Redemption right of mortgagor or vendor with defeasance.All real estates, conveyed or pledged by mortgage or deed of bargain and sale with defeasance, shall be redeemable by the mortgagor or vendor, his or her heirs, executors, administrators, successors, or assigns, on paying the money borrowed thereon, with interest, or by performing the condition on which the real estate was conveyed or mortgaged, deducting the rents and profits which the mortgagee, or any under him or her, may have received over and above the taxes and assessments paid out, and suitable repairs and insurance made by him, her, or them, and all other necessary expenses in the care and management of the premises.History of Section.G.L. 1896, ch. 207, § 2; G.L. 1909, ch. 258, § 2; G.L. 1923, ch. 302, § 2; G.L. 1938, ch. 442, § 2; G.L. 1956, § 34-23-2.
RI Gen L § 34-23-3 (2021)
2021 Rhode Island General Laws|Title 34 - Property|Chapter 34-23 - Mortgages of Real Property|Section 34-23-3 - Time within which redemption allowed.

§ 34-23-3. Time within which redemption allowed.No mortgagor, his or her heirs, executors, administrators, successors, or assigns shall be allowed to redeem any mortgaged real estate, but shall be forever barred and foreclosed of all equity and right of redemption therein, unless the mortgagor, his or her heirs, executors, administrators, successors, or assigns shall pay to the mortgagee, his or her heirs, executors, administrators, successors, or assigns the full sum, both principal and interest, due on the mortgage, within three (3) years after the mortgagee, or other person claiming under him or her, shall by process of law, or by peaceable and open entry made in the presence of two (2) witnesses, have taken actual possession of the mortgaged estate and continued the mortgage during the term.History of Section.G.L. 1896, ch. 207, § 3; G.L. 1909, ch. 258, § 3; G.L. 1923, ch. 302, § 3; G.L. 1938, ch. 442, § 3; G.L. 1956, § 34-23-3.
RI Gen L § 34-23-4 (2021)
2021 Rhode Island General Laws|Title 34 - Property|Chapter 34-23 - Mortgages of Real Property|Section 34-23-4 - Certificate of possession taken by mortgagee.

§ 34-23-4. Certificate of possession taken by mortgagee.Whenever possession shall be taken in the presence of witnesses as provided in § 34-23-3, they shall give to the mortgagee, or other person taking possession under him or her, a certificate of the possession being taken; and the person delivering possession shall acknowledge the delivery have been voluntarily done before a justice of the peace or notary public in the town or city where the mortgaged estate lies, which certificate and acknowledgment shall be recorded in the records of land evidence in the town or city.History of Section.G.L. 1896, ch. 207, § 4; G.L. 1909, ch. 258, § 4; G.L. 1923, ch. 302, § 4; G.L. 1938, ch. 442, § 4; G.L. 1956, § 34-23-4.
RI Gen L § 34-23-5 (2021)
2021 Rhode Island General Laws|Title 34 - Property|Chapter 34-23 - Mortgages of Real Property|Section 34-23-5 - Prepayment of mortgage loans.

§ 34-23-5. Prepayment of mortgage loans.(a) Every bank, trust company, loan company, building-loan association, credit union, finance company and other person(s) making a loan or loans secured by a mortgage or mortgages on real estate located in Rhode Island containing thereon dwelling houses of not more than four (4) dwelling units shall provide in the mortgage note, and in any event the loan or loans shall be upon the condition that the full payment of mortgage may be made at any time after one year from the making of the loan without penalty, provided further, that during the first year, penalty or other charges for prepayment shall not exceed two percent (2%) of the balance due at date of the pay-off. If interest or other charges in connection with the loan or loans shall have been prepaid or included in the face of the mortgage, the holder thereof shall rebate the interest or other charges under regulations promulgated by the director of the department of business regulation.(b) Alternatively a bank, trust company, loan company, building-loan association, credit union, finance company and other person(s) making a nonpurchase money loan or loans secured by a mortgage or mortgages on real estate located in Rhode Island containing on it dwelling houses of not more than four (4) dwelling units, may impose a prepayment penalty or other similar charges for the prepayment of a mortgage loan notwithstanding the prepayment penalty limitation imposed in subsection (a), but only if:(1) The terms, conditions and amount of the prepayment penalty or other similar charges are prominently and conspicuously disclosed in writing to the borrower;(2) The borrower agrees and consents to be bound by these terms and conditions; and(3) Provided no prepayment penalty shall be imposed for any prepayment occurring more than sixty (60) months after the date of such loan.(c) Any bank, trust company, loan company, building-loan association, credit union, finance company or other lender that chooses to offer a mortgage product pursuant to subsection (b) shall have available a similar mortgage product that complies with the limitations set forth in subsection (a) and all applicable federal regulations.(d) Any prepayment penalty imposed under this section shall not be construed as interest under the provisions of § 6-26-2.History of Section.P.L. 1965, ch. 113, § 1; P.L. 1970, ch. 288, § 1; P.L. 1974, ch. 109, § 1; P.L. 1996, ch. 366, § 1; P.L. 2002, ch. 117, § 1.
RI Gen L § 34-23-6 (2021)
2021 Rhode Island General Laws|Title 34 - Property|Chapter 34-23 - Mortgages of Real Property|Section 34-23-6 - Loan fees.

§ 34-23-6. Loan fees.In the event any brokerage fees, loan fees, points, finders' fees, origination fees, or any similar charges shall be imposed on any secured mortgage loan on real estate containing thereon dwelling houses of not more than four (4) dwelling units, those charges shall not be subject to any refund in the event the underlying loan contract is prepaid in full provided that the loan originator, broker or lender gives the following disclosure to the loan applicant in writing: not later than three (3) business days after the application is received. "Notice regarding nonrefundability of loan fees: You have received a good faith estimate of fees and charges showing the loan fees and similar charges you are likely to pay to obtain this loan. As provided in § 34-23-6, none of these or other fees and charges will be refunded in the event the loan is prepaid in whole or in part."History of Section.P.L. 1988, ch. 246, § 2; P.L. 2001, ch. 294, § 1; P.L. 2002, ch. 307, § 1; P.L. 2011, ch. 344, § 1; P.L. 2011, ch. 390, § 1.
RI Gen L § 34-23-7 (2021)
2021 Rhode Island General Laws|Title 34 - Property|Chapter 34-23 - Mortgages of Real Property|Section 34-23-7 - Repealed.

§ 34-23-7. Repealed.History of Section.P.L. 1988, ch. 437, § 2; Repealed by P.L. 1989, ch. 310, § 2, effective July 7, 1989.
RI Gen L § 34-24-1 - 34-24-7 (2021)
2021 Rhode Island General Laws|Title 34 - Property|Chapter 34-24 - Mortgages of Personal Property|Section 34-24-1 - 34-24-7 - Repealed.

§ 34-24-1 — 34-24-7. Repealed.History of Section.G.L. 1896, ch. 207, §§ 10-13; P.L. 1899, ch. 614, § 1; G.L. 1909, ch. 258, §§ 10-13; G.L. 1923, ch. 302, §§ 10-13; P.L. 1935, ch. 2200, §§ 1-3; G.L. 1938, ch. 442, §§ 10-13; G.L. 1938, ch. 443, §§ 1-3; P.L. 1945, ch. 1587, § 2; G.L. 1956, §§ 34-24-1 to 34-24-7; Repealed by P.L. 1960, ch. 147, § 2. For present provisions of law, see Uniform Commercial Code, title 6A.
RI Gen L § 34-24-8 (2021)
2021 Rhode Island General Laws|Title 34 - Property|Chapter 34-24 - Mortgages of Personal Property|Section 34-24-8 - Agreements affecting landlord's interests - Agreements to subordinate prior liens.

§ 34-24-8. Agreements affecting landlord's interests — Agreements to subordinate prior liens.An assignment of or an agreement affecting any rights or interests of a landlord or owner of premises occupied by a tenant or person planting on shares, or an agreement to subordinate a prior lien or encumbrance on real property, may be recorded in the land records in the office of the clerk of the town in which the premises are situated, and the clerk shall in each case enter a reference to the record of the subordination agreement on the margin of the record of the instrument affected thereby. Any agreement herein provided for shall be valid and enforceable against the party executing the agreement from the time of execution and delivery thereof and against all creditors of the party and all persons claiming under or through the party from the time of the recording thereof.History of Section.P.L. 1935, ch. 220, § 4; G.L. 1938, ch. 443, § 4; G.L. 1956, § 34-24-8; P.L. 1960, ch. 147, § 3.
RI Gen L § 34-24-9 - 34-24-13 (2021)
2021 Rhode Island General Laws|Title 34 - Property|Chapter 34-24 - Mortgages of Personal Property|Section 34-24-9 - 34-24-13 - Repealed.

§ 34-24-9 — 34-24-13. Repealed.History of Section.P.L. 1935, ch. 2200, §§ 5-8; P.L. 1936, ch. 2389, § 1; G.L. 1938, ch. 443, §§ 5-8; G.L. 1956, §§ 34-24-9 to 34-24-13; Repealed by P.L. 1960, ch. 147, § 2. For the present provisions of law, see Uniform Commercial Code, title 6A.
RI Gen L § 34-25-1 (2021)
2021 Rhode Island General Laws|Title 34 - Property|Chapter 34-25 - Future Loans and After-Acquired Property|Section 34-25-1 - Real estate mortgage to secure future loans - Amounts and purposes of loans covered.

§ 34-25-1. Real estate mortgage to secure future loans — Amounts and purposes of loans covered.(a) Whenever a mortgage deed in statutory form or other form mortgaging real property is entitled at the beginning thereof "Mortgage to secure present and future loans under §§ 34-25-1 — 34-25-5" and contains in its provisions a provision to the effect that it is intended to secure present and future loans and states a maximum amount as the total of the principal amount of loans to be secured thereby, hereinafter referred to as the stated maximum amount, the mortgage deed shall be security from the time of its recording in the records for recording real estate mortgages in the city or town in which the real property mortgaged therein is located for all loans which at the time of or before the recordings are made or agreed to be made by the mortgagee to the mortgagor on the security of the mortgage and shall also constitute security from the time of its recording for all additional loans made from time to time by the mortgagee to the mortgagor on the security of the mortgage after the recording of the mortgage and prior to its discharge of record, whether or not made after reduction of the principal of any loan made on the security of the mortgage. The mortgage shall also be security for interest, taxes, insurance premiums and other obligations undertaken by such mortgagor in the mortgage deed or in the note or notes secured thereby, notwithstanding that the interest, taxes, insurance premiums and other obligations, when added to the total principal amount of the loans outstanding at any time, may cause the amount secured by the mortgage to exceed the stated maximum amount.(b) Provided, however, that such stated maximum amount shall not be an amount which exceeds by more than three thousand dollars ($3,000) the total of the principal amount of loans which at the time of or before the recording the mortgagee made or agreed to make to the mortgagor.(c) And provided further, that that portion of the total amount of the principal of all loans outstanding at any one time made on the security of the mortgage in excess of the stated maximum amount shall not, to the extent of such excess, be secured by the mortgage while the total amount outstanding is in excess of the stated maximum amount.History of Section.G.L. 1938, ch. 442, § 20; P.L. 1952, ch. 3018, § 1; G.L. 1956, § 34-25-1.
RI Gen L § 34-25-2 (2021)
2021 Rhode Island General Laws|Title 34 - Property|Chapter 34-25 - Future Loans and After-Acquired Property|Section 34-25-2 - Priority of future loan mortgages over encumbrances not previously recorded.

§ 34-25-2. Priority of future loan mortgages over encumbrances not previously recorded.The mortgage and the rights established therein shall, to the extent of the loans secured thereby, and interest, taxes, insurance premiums, and other obligations secured thereby, have full priority over all mortgages, liens and encumbrances which have not been recorded prior to such recording of the mortgage deed except as otherwise hereinafter provided.History of Section.G.L. 1938, ch. 442, § 20; P.L. 1952, ch. 3018, § 1; G.L. 1956, § 34-25-2.
RI Gen L § 34-25-3 (2021)
2021 Rhode Island General Laws|Title 34 - Property|Chapter 34-25 - Future Loans and After-Acquired Property|Section 34-25-3 - Priority of attachment, execution, or lis pendens over subsequent loans.

§ 34-25-3. Priority of attachment, execution, or lis pendens over subsequent loans.If, after the recording of the mortgage, any writ of attachment attaching the real estate mortgaged under the mortgage or any execution against the real estate or any notice of lis pendens affecting the real estate is recorded in the records of the city or town, loans on the security of the mortgage, made after the attachment, execution or lis pendens becomes so of record, shall not have priority over the attachment, execution or notice of lis pendens, except that loans which the mortgagee at or before the recording of the mortgage made or agreed with the mortgagor to make on the security of the mortgage and additional loans made on the security of the mortgage pursuant to the provisions of §§ 34-25-1 — 34-25-5 prior to such recording of the attachment, execution or lis pendens, together with interest thereon, and the taxes, insurance premiums and obligations of the mortgagor as the mortgagee has agreed, or which the mortgagor has given the mortgagee the right, to pay in connection with the mortgage, shall continue to have priority over the attachment, execution or lis pendens.History of Section.G.L. 1938, ch. 442, § 20; P.L. 1952, ch. 3018, § 1; G.L. 1956, § 34-25-3.
RI Gen L § 34-25-4 (2021)
2021 Rhode Island General Laws|Title 34 - Property|Chapter 34-25 - Future Loans and After-Acquired Property|Section 34-25-4 - Relinquishment of security as to additional loans - Stipulation as to amount due.

§ 34-25-4. Relinquishment of security as to additional loans — Stipulation as to amount due.If the mortgagor shall desire that the privilege shall be terminated of having the mortgage constitute security for further loans in addition to the loans which the mortgagee at or before the recording of the mortgage made or agreed with the mortgagor to make on the security of the mortgage, and shall desire that the principal amount of loans made or agreed upon prior to the recording on the security of the mortgage and loans made after the recording shall be established as a matter of record, and if the mortgagor shall in writing by registered or certified mail notify the mortgagee of such desire. The mortgagee shall execute and deliver to the mortgagor at the address within this state specified in the notice a stipulation in writing setting forth the principal amount of loans made or agreed to be made on the security of the mortgage prior to the time of the receipt of the notice and relinquishing the right to have the mortgage constitute security for additional loans made to the mortgagor subsequent to the receipt of the written notice except loans which the mortgagee prior to receipt of the notice agreed to make to the mortgagor. The mortgagor shall offer the stipulation for record in the records of land evidence with payment for the recording thereof, and the recorder of deeds shall record the stipulation when so offered and shall cause reference thereto to be made on the original recording of the mortgage. The recording fee for recording any such stipulation shall not exceed four dollars ($4.00).History of Section.G.L. 1938, ch. 442, § 20; P.L. 1952, ch. 3018, § 1; P.L. 1956, ch. 3717, § 1; G.L. 1956, § 34-25-4; P.L. 1986, ch. 331, § 2.
RI Gen L § 34-25-5 (2021)
2021 Rhode Island General Laws|Title 34 - Property|Chapter 34-25 - Future Loans and After-Acquired Property|Section 34-25-5 - Mortgages to which §§ 34-25-1 - 34-25-5 apply.

§ 34-25-5. Mortgages to which §§ 34-25-1 — 34-25-5 apply.(a) "Mortgage," as used in §§ 34-25-1 — 34-25-5, means a real estate, mortgage deed or real estate mortgage instrument entitled "Mortgage to secure present and future loans under §§ 34-25-1 — 34-25-5," and which includes in its provisions the aforesaid provision to the effect that it is intended to secure present and future loans and which states a maximum amount as the total of the amount of loans to be secured thereby; but §§ 34-25-1 to 34-25-6 shall not apply to nor affect, directly, indirectly or by implication, any mortgage made before April 29, 1952, and shall not apply to nor affect, directly, indirectly, or by implication, any mortgage thereafter made, whether or not it provides for future loans, unless it contains the provisions required in § 34-25-1 and is also entitled at the beginning thereof "Mortgage to secure present and future loans under §§ 34-25-1 to 34-25-5."(b) "Mortgagor," as used in §§ 34-25-1 — 34-25-5, means and includes wherever applicable the mortgagor and mortgagors named in the "mortgage," his, her, its or their heirs, executors, administrators, successors or assigns.(c) "Mortgagee," as used in §§ 34-25-1 — 34-25-5, means and includes wherever applicable the mortgagee and mortgagees named in the "mortgage," his, her, its or their executors, administrators, successors or assigns.History of Section.G.L. 1938, ch. 442, § 20; P.L. 1952, ch. 3018, § 1; G.L. 1956, § 34-25-5.
RI Gen L § 34-25-6 (2021)
2021 Rhode Island General Laws|Title 34 - Property|Chapter 34-25 - Future Loans and After-Acquired Property|Section 34-25-6 - Mortgagees authorized to take future loan mortgages.

§ 34-25-6. Mortgagees authorized to take future loan mortgages.(a) Domestic building-loan associations, whether organized by special act of the general assembly or pursuant to the provisions of chapter 22 of title 19, foreign building-loan associations subject to the provisions of chapter 24 of title 19, savings and loan associations organized under the laws of the United States of America, credit unions subject to the provisions of chapter 21 of title 19, and other financial institutions are expressly authorized to make loans secured by mortgages entitled as provided in § 34-25-1 and containing the provision required in § 34-25-1 to be contained in the provisions of such mortgages, provided that such loans comply in other respects with the requirements of law relating to loans secured by real estate mortgages made by such institutions.(b) Other mortgagees are authorized to make loans on the security of such mortgages if such mortgages comply with the requirements of §§ 34-25-1 — 34-25-5.History of Section.P.L. 1952, ch. 3018, § 4; G.L. 1956, § 34-25-6.
RI Gen L § 34-25-7 (2021)
2021 Rhode Island General Laws|Title 34 - Property|Chapter 34-25 - Future Loans and After-Acquired Property|Section 34-25-7 - Application of mortgages to after-acquired property of public utilities.

§ 34-25-7. Application of mortgages to after-acquired property of public utilities.Notwithstanding the provisions of chapter 9 of title 6A, whenever any public utility, as defined in chapter 1 of title 39, shall have given a mortgage expressly including real or personal property to be acquired after the date of the execution of the mortgage, and the mortgage shall have been duly recorded, no further deed, conveyance or recording, or delivery of possession from the mortgagor to the mortgagee, his, her, or its heirs, executors, administrators, successors, or assigns shall be required as to any real or personal property situated in any town or city in which the mortgage shall have been duly recorded, if real property, or the office of the secretary of state, if personal property, and all right, title and interest of the public utility in and to any real or personal property situated in any town or city in which the mortgage shall have been duly recorded, if real property, or the office of the secretary of state, if personal property, and acquired by the mortgagor after the execution and prior to the discharge of the mortgage, unless otherwise expressly provided in the mortgage, shall vest in the mortgagee, his, her, or its heirs, executors, administrators, successors, or assigns, subject to the terms of the mortgage, as against all persons whatsoever, immediately upon the acquisition of the real or personal property by the mortgagor.History of Section.G.L. 1938, ch. 302, § 19; P.L. 1929, ch. 1367, § 1; G.L. 1938, ch. 442, § 19; G.L. 1956, § 34-25-7; P.L. 1960, ch. 147, § 3.