reglab/housing_qa huggingface dataset:
IA Code § 533.476 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.476 - Reserved.

533.476 Reserved. Reserved.
IA Code § 533.477 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.477 - Reserved.

533.477 Reserved. Reserved.
IA Code § 533.478 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.478 - Reserved.

533.478 Reserved. Reserved.
IA Code § 533.479 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.479 - Reserved.

533.479 Reserved. Reserved.
IA Code § 533.480 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.480 - Reserved.

533.480 Reserved. Reserved.
IA Code § 533.481 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.481 - Reserved.

533.481 Reserved. Reserved.
IA Code § 533.482 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.482 - Reserved.

533.482 Reserved. Reserved.
IA Code § 533.483 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.483 - Reserved.

533.483 Reserved. Reserved.
IA Code § 533.484 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.484 - Reserved.

533.484 Reserved. Reserved.
IA Code § 533.485 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.485 - Reserved.

533.485 Reserved. Reserved.
IA Code § 533.486 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.486 - Reserved.

533.486 Reserved. Reserved.
IA Code § 533.487 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.487 - Reserved.

533.487 Reserved. Reserved.
IA Code § 533.488 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.488 - Reserved.

533.488 Reserved. Reserved.
IA Code § 533.489 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.489 - Reserved.

533.489 Reserved. Reserved.
IA Code § 533.490 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.490 - Reserved.

533.490 Reserved. Reserved.
IA Code § 533.491 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.491 - Reserved.

533.491 Reserved. Reserved.
IA Code § 533.492 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.492 - Reserved.

533.492 Reserved. Reserved.
IA Code § 533.493 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.493 - Reserved.

533.493 Reserved. Reserved.
IA Code § 533.494 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.494 - Reserved.

533.494 Reserved. Reserved.
IA Code § 533.495 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.495 - Reserved.

533.495 Reserved. Reserved.
IA Code § 533.496 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.496 - Reserved.

533.496 Reserved. Reserved.
IA Code § 533.497 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.497 - Reserved.

533.497 Reserved. Reserved.
IA Code § 533.498 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.498 - Reserved.

533.498 Reserved. Reserved.
IA Code § 533.499 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.499 - Reserved.

533.499 Reserved. Reserved.
IA Code § 533.500 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.500 - Reserved.

533.500 Reserved. Reserved.
IA Code § 533.503 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.503 - Superintendent as receiver.

533.503 Superintendent as receiver.   1. In all situations in which the superintendent has been appointed as receiver as provided in this chapter, the superintendent shall make a diligent effort to collect and realize on the assets of the state credit union, and shall make distribution of the proceeds from time to time to those entitled in the order provided for by law.   a. The superintendent may execute as receiver, or after the receivership has terminated, assignments, releases, and satisfactions to effectuate sales and transfers.   b. Upon the order of the court in which the receivership is pending, the superintendent may sell or compound all bad or doubtful debts.   c. Upon the order of the court in which the receivership is pending, the superintendent may sell all the real and personal property of the state credit union, on such terms as the court shall direct.   2. All expenses of the receivership and dissolution shall be determined by the superintendent, subject to the approval of the district court, and shall be paid out of the assets of the state credit union.   3. The superintendent as receiver may sue and defend in the superintendent’s name with respect to the affairs of a state credit union.   4. At the completion of the receivership, the superintendent shall file a final report which shall contain details of receivership activity and such additional facts as the court may require.   5. a. Upon the submission and approval of the final report, the court shall enter a decree dissolving the state credit union and discharging the receiver, at which time the existence of the state credit union shall cease.   b. The clerk of the district court shall file and record certified copies of the decree with the county recorder of the county in which the state credit union has its principal place of business and with the county recorder of the county in which its original articles of incorporation were filed and recorded. A fee shall not be charged by the county recorder for the filing or recording of such decree.   6. The superintendent as receiver shall hold all records of the receivership for a period of two years after the court decree dissolving the state credit union and discharging the receiver, and at the termination of the two-year period, the records may then be destroyed.  2007 Acts, ch 174, §70; 2014 Acts, ch 1011, §6  Referred to in §533.405A, 602.8102(73)
IA Code § 533.504 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.504 - Tender of receivership to insurance plan.

533.504 Tender of receivership to insurance plan.   1. a. The superintendent may tender to the administrator of an account insurance plan approved under this chapter the appointment as receiver for an insured state credit union.   b. If the insurance plan administrator accepts the appointment as receiver, the rights of the members and other creditors of the insured state credit union shall be determined in accordance with the laws of this state and the insurance plan administrator shall comply with all applicable provisions of this chapter.   2. The administrator of an account insurance plan as receiver shall possess the powers, rights, and privileges given to the superintendent as provided by law.   3. If the administrator of an account insurance plan pays or makes available for payment the insured liabilities of a state credit union, the administrator shall be subrogated by operation of law to all rights of the members against the insured state credit union in the same manner and to the same extent as subrogation is provided for in applicable laws in the case of a closed federal credit union.  2007 Acts, ch 174, §71
IA Code § 533.505 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.505 - Subpoena — contempt.

533.505 Subpoena — contempt.   1. The superintendent or the superintendent’s designee may subpoena witnesses, compel their attendance, administer an oath, examine any person under oath, and require the production of any relevant record related to any period of examination, or related to any report or filing made by or provided to the credit union division.   2. An examination may be conducted on any subject relating to the duties imposed upon or powers vested in the superintendent.   3. Whenever a person subpoenaed pursuant to subsection 1 fails to produce a record or to give testimony as required by the terms of the subpoena, the superintendent may apply to the district court of Polk county for the enforcement of the subpoena or the issuance of an order compelling compliance.   4. The refusal of any person to obey an order of the district court issued pursuant to subsection 3, without reasonable cause, shall be considered a contempt of court.  2007 Acts, ch 174, §72; 2011 Acts, ch 34, §128; 2019 Acts, ch 36, §1
IA Code § 533.506 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.506 - Limitation of actions.

533.506 Limitation of actions.   1. All causes of action against a state credit union based upon a claim or claims inconsistent with an entry or entries in a state credit union record or ledger, made in the regular course of business, shall be deemed to have accrued, and shall accrue, one year after the date of such entry or entries.   2. An action founded upon such a cause shall not be brought after the expiration of ten years from the date of such accrual.  2007 Acts, ch 174, §73
IA Code § 533.507 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.507 - False statements for credit — fraudulent practice.

533.507 False statements for credit — fraudulent practice.   A person who knowingly makes or causes to be made, directly or indirectly, any false statement in writing, or who procures, knowing that a false statement in writing has been made concerning the financial condition or means or ability to pay of such person or any other person in which such person is interested or for whom such person is acting with the intent that such statement shall be relied upon by a state credit union for the purpose of procuring the delivery of property, the payment of cash, or the receipt of credit in any form, for the benefit of such person or of any other person in which such person is interested or for whom such person is acting, is guilty of a fraudulent practice.  2007 Acts, ch 174, §74  Fraudulent practices, see §714.8 – 714.14
IA Code § 533.508 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.508 - False statements — penalties.

533.508 False statements — penalties.   1. A director, officer, or employee of a state credit union shall not intentionally publish, disseminate, or distribute any advertising or notice containing any false, misleading, or deceptive statements concerning rates, terms, or conditions on which loans are made, or deposits or share installments are received, or concerning any charge which the state credit union is authorized to impose pursuant to this chapter, or concerning the financial condition of the state credit union. Any director, officer, or employee of a state credit union who violates the provisions of this subsection is guilty of a fraudulent practice.   2. Any person who maliciously or with intent to deceive makes, publishes, utters, repeats, or circulates any false statement concerning any state credit union which imputes or tends to impute insolvency, unsound financial condition or financial embarrassment, or which may tend to cause or provoke or aid in causing or provoking a general withdrawal of deposits from such state credit union, or which may otherwise injure or tend to injure the business or goodwill of such state credit union, is guilty of a simple misdemeanor.  2007 Acts, ch 174, §75; 2020 Acts, ch 1063, §307  Fraudulent practices, see §714.8 – 714.14  Subsection 1 amended
IA Code § 533.509 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.509 - Penalty for falsification.

533.509 Penalty for falsification.   A director, officer, agent, or employee of a state credit union, a credit union service organization, or any other person who knowingly signs, makes, or consents to another person making any false statement or false entry in the books of the state credit union or credit union service organization, or knowingly signs, makes, or consents to the making of any false report regarding a state credit union or credit union service organization, or knowingly diverts the funds of the state credit union, is guilty of a class “C” felony and is forever after barred from holding any office or position in a state credit union or credit union service organization.  2007 Acts, ch 174, §76
IA Code § 533.510 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533 - CREDIT UNIONS|Section 533.510 - Submissions to credit union division — good faith requirement.

533.510 Submissions to credit union division — good faith requirement.   Any information, record, application, or document provided to the credit union division pursuant to this chapter shall be provided in good faith. A director, officer, agent, or employee of a state credit union, a credit union service organization, or any other person shall not intentionally publish, report, submit, file, or cause to be filed with the division any information, record, application, or document that is false or misleading by statement or omission. Any information, record, application, or document provided to the division in the absence of good faith or in violation of this section is subject to revocation of prior approval or denial, if applicable.  2019 Acts, ch 35, §1
IA Code § 533A.3 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533A - DEBT MANAGEMENT|Section 533A.3 - Investigation.

533A.3 Investigation.   1. Upon the filing of each application and the payment of the fees, the superintendent shall conduct an investigation of the facts concerning the application and the requirements provided in subsection 3.   2. The superintendent shall grant or deny each application for a license within sixty days from the date that the application and the required fee are filed and paid, unless the period is extended by written agreement between the applicant and the superintendent.   3. a. The superintendent shall enter an order granting the application, and issue and deliver a license to the applicant if the superintendent finds that both of the following are satisfied:   (1) The experience, financial responsibility, character, and general fitness of the applicant is sufficient as to command the confidence of the public and to warrant belief that the business will be operated lawfully, honestly, fairly, and efficiently within the purposes of this chapter.   (2) The applicant has not been convicted of or pled guilty to a felony or an indictable misdemeanor for financial gain, or has not had a record of having defaulted in payment of money collected for others, including the discharge of such debts through bankruptcy proceedings.   b. If the applicant is not a natural person, this subsection shall apply to the owners, partners, members, shareholders, officers, directors, and managers of the applicant.   4. If the applicant has, at the time of the application, a license for an office located within ten miles of the location of the office named in the application, a license shall not be issued unless the superintendent finds that public convenience will be served by the issuance of the license.   5. A license shall not be transferable or assignable.   6. If the superintendent finds the applicant not qualified under subsection 3, the superintendent shall enter an order denying the application and notify the applicant of the denial, returning the license fee. Within fifteen days after the entry of such order, the superintendent shall prepare written findings and shall deliver a copy to the applicant.  [C71, 73, 75, 77, 79, 81, §533A.3]  2006 Acts, ch 1042, §3  Referred to in §533A.15
IA Code § 533A.4 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533A - DEBT MANAGEMENT|Section 533A.4 - Expiration date.

533A.4 Expiration date.   The license issued under this chapter shall expire on December 31 following its issuance unless sooner surrendered, revoked, or suspended, but may be renewed as provided in this chapter.  [C71, 73, 75, 77, 79, 81, §533A.4]  2013 Acts, ch 5, §4
IA Code § 533A.5 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533A - DEBT MANAGEMENT|Section 533A.5 - Renewal.

533A.5 Renewal.   1. To continue in the business of debt management, each licensee shall annually apply on or before December 1 to the superintendent for renewal of its license. The superintendent may assess a late fee of ten dollars per day for applications submitted and accepted for processing after December 1.   2. The renewal application shall be on the form prescribed by the superintendent and shall be accompanied by a fee of two hundred fifty dollars. A separate renewal application shall be made for each office maintained by the applicant.  [C71, 73, 75, 77, 79, 81, §533A.5]  2006 Acts, ch 1042, §4; 2007 Acts, ch 126, §93; 2013 Acts, ch 5, §5
IA Code § 533A.5A (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533A - DEBT MANAGEMENT|Section 533A.5A - Change in control — name or address.

533A.5A Change in control — name or address.   1. The prior written approval of the superintendent is required whenever a change in the control of a licensee is proposed. For purposes of this section, “control” in the case of a corporation means direct or indirect ownership, or the right to control, ten percent or more of the voting shares of the corporation, or the ability of a person to elect a majority of the directors or otherwise effect a change in policy. “Control” in the case of any other entity means the principals of the organization whether active or passive. The superintendent may require information deemed necessary to determine whether a new application is required. When requesting approval, the person shall submit a fee of one hundred dollars to the superintendent.   2. A licensee shall notify the superintendent and submit a fee of twenty-five dollars per license to the superintendent thirty days in advance of the effective date of any of the following:   a. A change in the name of the licensee.   b. A change in the address where the business is conducted.  2006 Acts, ch 1042, §5
IA Code § 533A.6 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533A - DEBT MANAGEMENT|Section 533A.6 - Appointment of process agent.

533A.6 Appointment of process agent. Repealed by  2009 Acts, ch 34, §9  . See §533A.2(3).
IA Code § 533A.7 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533A - DEBT MANAGEMENT|Section 533A.7 - Disciplinary action.

533A.7 Disciplinary action.   1. The superintendent may, after notice and hearing pursuant to chapter 17A, take disciplinary action against a licensee if the superintendent finds any of the following:   a. The licensee, or an owner, partner, member, shareholder, officer, director, or manager of the licensee, has been convicted of a felony or of an indictable misdemeanor for financial gain.   b. The licensee, or an owner, partner, member, shareholder, officer, director, or manager of the licensee, has violated any of the provisions of this chapter or any other state or federal law, rule, or regulation applicable to the conduct of its business.   c. The licensee, or an owner, partner, member, shareholder, officer, director, or manager of the licensee, has engaged in fraud or deceit in procuring the issuance of a license or renewal under this chapter.   d. The licensee, or an owner, partner, member, shareholder, officer, director, or manager of the licensee, has engaged in unfair conduct.   e. The licensee is insolvent, or has filed for bankruptcy, receivership, or assignment for the benefit of creditors.   f. The licensee fails to post the bond required by the provisions of this chapter or the superintendent receives notice that the required bond has been canceled.   2. The superintendent may impose one or more of the following disciplinary actions against a licensee:   a. Revoke a license.   b. Suspend a license until further order of the superintendent for a specified period of time.   c. Impose a period of probation under specified conditions.   d. Impose civil penalties in an amount not to exceed five thousand dollars for each violation.   e. Issue a citation and warning respecting licensee behavior.   f. Order the licensee to pay restitution.   3. The superintendent may order an emergency suspension of a licensee’s license pursuant to section 17A.18A. A written order containing the facts or conduct which warrants the emergency action shall be timely sent to the licensee by restricted certified mail. Upon issuance of the suspension order, the licensee must also be notified of the right to an evidentiary hearing. A suspension proceeding shall be promptly instituted and determined.   4. Except as provided in this section, a license shall not be revoked or suspended except after notice and a hearing thereon in accordance with chapter 17A.   5. A licensee may surrender a license by delivering to the superintendent written notice of surrender, but a surrender does not affect the licensee’s civil or criminal liability for acts committed before the surrender.   6. A revocation, suspension, or surrender of a license does not impair or affect the obligation of a preexisting lawful contract between the licensee and any person, including a debtor.  [C71, 73, 75, 77, 79, 81, §533A.7]  2006 Acts, ch 1042, §6; 2008 Acts, ch 1160, §10  Referred to in §533A.15
IA Code § 533A.9A (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533A - DEBT MANAGEMENT|Section 533A.9A - Donations.

533A.9A Donations.   A donation shall not be charged to a debtor or creditor, deducted from a payment to a creditor, deducted from the debtor’s account, or deducted from payments made to the licensee pursuant to the debt management contract. If a licensee requests a donation from a debtor, the licensee must clearly indicate that any donation is voluntary and not a condition or requirement for providing debt management.  2006 Acts, ch 1042, §8; 2007 Acts, ch 126, §94
IA Code § 533A.12 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533A - DEBT MANAGEMENT|Section 533A.12 - Rules.

533A.12 Rules.   The superintendent may adopt administrative rules pursuant to chapter 17A to administer and enforce the provisions of this chapter.  2006 Acts, ch 1042, §10
IA Code § 533A.13 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533A - DEBT MANAGEMENT|Section 533A.13 - License mandatory to business.

533A.13 License mandatory to business.   It shall be unlawful for a person to engage in the business of debt management without first obtaining a license as required by this chapter. Any person or any owner, partner, member, officer, director, employee, agent, or representative thereof who shall willfully or knowingly engage in the business of debt management without the license required by this chapter shall be guilty of a serious misdemeanor.  [C71, 73, 75, 77, 79, 81, §533A.13]  2006 Acts, ch 1042, §11
IA Code § 533A.14 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533A - DEBT MANAGEMENT|Section 533A.14 - Fees to state treasurer.

533A.14 Fees to state treasurer.   All moneys received by the superintendent from fees, licenses, and examinations pursuant to this chapter shall be deposited by the superintendent with the treasurer of state for deposit in the department of commerce revolving fund created in section 546.12.  [C71, 73, 75, 77, 79, 81, §533A.14]  2009 Acts, ch 181, §105
IA Code § 533A.15 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 533A - DEBT MANAGEMENT|Section 533A.15 - Judicial review.

533A.15 Judicial review.   Judicial review of actions of the superintendent pursuant to sections 533A.3 and 533A.7 may be sought in accordance with the terms of the Iowa administrative procedure Act, chapter 17A.  [C71, 73, 75, 77, 79, 81, §533A.15]  2003 Acts, ch 44, §114