reglab/housing_qa huggingface dataset:
ID Code § 28-44-201 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 44 - INSURANCE|Part 2 - CREDIT INSURANCE|Section 28-44-201 - TERM OF INSURANCE.

28-44-201. TERM OF INSURANCE. (1) Credit insurance provided by a creditor may be subject to the furnishing of evidence of insurability satisfactory to the insurer. Whether or not such evidence is required, the term of the insurance shall commence no later than when the debtor becomes obligated to the creditor or when the debtor applies for the insurance, whichever is later, except as follows: (a) If any required evidence of insurability is not furnished until more than thirty (30) days after the term would otherwise commence, the term may commence on the date when the insurer determines the evidence to be satisfactory; or (b) If the creditor provides insurance not previously provided covering debts previously created, the term may commence on the effective date of the policy. (2) The originally scheduled term of the insurance shall extend at least until the due date of the last scheduled payment of the debt except as follows: (a) If the insurance relates to an open-end consumer credit account, the term need only extend until the payment of the debt under the account and may be sooner terminated after at least thirty (30) days notice to the debtor; or (b) If the debtor is advised in writing that the insurance will be written for a specified shorter time, the term need only extend until the end of the specified time. (3) The term of the insurance shall not extend more than fifteen (15) days after the originally scheduled due date of the last scheduled payment of the debt unless it is extended without additional cost to the debtor or as an incident to a deferral, refinancing, or consolidation.  History: [28-44-201, added 1983, ch. 119, sec. 3, p. 291.]
ID Code § 28-44-202 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 44 - INSURANCE|Part 2 - CREDIT INSURANCE|Section 28-44-202 - AMOUNT OF INSURANCE.

28-44-202. AMOUNT OF INSURANCE. (1) Except as provided in subsection (2) of this section: (a) In the case of credit insurance providing life coverage on an individual policy basis, the amount of insurance may not initially exceed the debt and, if the debt is payable in installments, may not at any time exceed the greater of the scheduled or actual amount of the debt. The amount of insurance provided under a group life insurance contract shall be subject to the applicable provisions of sections 41-2005 (debtor groups) and 41-2306 (amount of insurance), Idaho Code; or (b) In the case of any other credit insurance, the total amount of periodic benefits payable may not exceed the total of scheduled unpaid installments of the debt, and the amount of any periodic benefit may not exceed the original amount of debt divided by the number of periodic installments in which it is payable. (2) If credit insurance is provided in connection with an open-end consumer credit account, the amounts payable as insurance benefits may be reasonably commensurate with the amount of debt as it exists from time to time. If credit insurance is provided in connection with a commitment to grant credit in the future, the amounts payable as insurance benefits may be reasonably commensurate with the total from time to time of the amount of debt and the amount of the commitment. The amount of all group life insurance issued under this subsection shall further be subject to the applicable provisions of sections 41-2005 (debtor groups), 41-2306 (amount of insurance), and 41-2308 (provisions of policies and certificates of insurance–disclosure to debtors), Idaho Code.  History: [28-44-202, added 1983, ch. 119, sec. 3, p. 291.]
ID Code § 28-44-203 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 44 - INSURANCE|Part 2 - CREDIT INSURANCE|Section 28-44-203 - FILING AND APPROVAL OF RATES AND FORMS.

28-44-203. FILING AND APPROVAL OF RATES AND FORMS. (1) A creditor may not use a form or a schedule of premium rates or charges, the filing of which is required by this section, if the director of the department of insurance has disapproved the form or schedule and has notified the insurer of his disapproval. A creditor may not use a form or schedule unless: (a) The form or schedule has been on file with the director of the department of insurance for thirty (30) days, or has earlier been approved by him; and (b) The insurer has complied with this section with respect to the insurance. (2) Except as provided in subsection (3) of this section, all policies, certificates of insurance, notices of proposed insurance, applications for insurance, endorsements and riders relating to credit insurance delivered or issued for delivery in this state, and the schedules of premium rates or charges pertaining thereto, shall be filed by the insurer with the director of the department of insurance. Within thirty (30) days after the filing of any form or schedule, he shall disapprove it if the premium rates or charges are unreasonable in relation to the benefits provided under the form, or if the form contains provisions which are unjust, unfair, inequitable, or deceptive, or encourage misrepresentation of the coverage, or are contrary to any provision of the Credit Insurance Act or of any rule or regulation promulgated thereunder. (3) If a group policy has been delivered in another state, the forms to be filed by the insurer with the director of the department of insurance are the group certificates and notices of proposed insurance. He shall approve them if: (a) They provide the information that would be required if the group policy were delivered in this state; and (b) The applicable premium rates or charges do not exceed those established by his rules or regulations.  History: [28-44-203, added 1983, ch. 119, sec. 3, p. 292.]
ID Code § 28-44-301 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 44 - INSURANCE|Part 3 - PROPERTY AND LIABILITY INSURANCE|Section 28-44-301 - PROPERTY INSURANCE.

28-44-301. PROPERTY INSURANCE. (1) A creditor may not contract for or receive a separate charge for insurance against loss of or damage to property unless the creditor qualifies under chapter 9, title 41, Idaho Code, or rule or regulation prescribed by the director of the department of insurance and: (a) The insurance covers a substantial risk of loss of or damage to property related to the credit transaction; (b) The amount, terms, and conditions of the insurance are reasonable in relation to the character and value of the property insured or to be insured; and (c) The term of the insurance is reasonable in relation to the terms of credit. (2) The term of the insurance is reasonable if it is customary and does not extend substantially beyond a scheduled maturity. (3) A creditor may not contract for or receive a separate charge for insurance against loss of or damage to property unless the amount financed or principal exclusive of charges for the insurance is five hundred dollars ($500) or more, and the value of the property is five hundred dollars ($500) or more.  History: [28-44-301, added 1983, ch. 119, sec. 3, p. 292.]
ID Code § 28-44-302 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 44 - INSURANCE|Part 3 - PROPERTY AND LIABILITY INSURANCE|Section 28-44-302 - INSURANCE ON CREDITOR’S INTEREST ONLY.

28-44-302. INSURANCE ON CREDITOR’S INTEREST ONLY. If a creditor contracts for or receives a separate charge for insurance against loss of or damage to property, the risk of loss or damage not willfully caused by the debtor is on the debtor only to the extent of any deficiency in the effective coverage of the insurance, even though the insurance covers only the interest of the creditor.  History: [28-44-302, added 1983, ch. 119, sec. 3, p. 293.]
ID Code § 28-44-303 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 44 - INSURANCE|Part 3 - PROPERTY AND LIABILITY INSURANCE|Section 28-44-303 - LIABILITY INSURANCE.

28-44-303. LIABILITY INSURANCE. A creditor may not contract for or receive a separate charge for insurance against liability unless the insurance covers a substantial risk of liability arising out of the ownership or use of property related to the credit transaction.  History: [28-44-303, added 1983, ch. 119, sec. 3, p. 293.]
ID Code § 28-44-304 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 44 - INSURANCE|Part 3 - PROPERTY AND LIABILITY INSURANCE|Section 28-44-304 - CANCELLATION BY CREDITOR.

28-44-304. CANCELLATION BY CREDITOR. A creditor shall not request cancellation of a policy of property or liability insurance except after the debtor’s default or in accordance with a written authorization by the debtor, and in either case the cancellation does not take effect until written notice is delivered to the debtor or mailed to him at his address as stated by him. The notice shall state that the policy may be cancelled on a date not less than ten (10) days after the notice is delivered or, if the notice is mailed, not less than thirteen (13) days after it is mailed.  History: [28-44-304, added 1983, ch. 119, sec. 3, p. 293.]
ID Code § 28-44-401 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 44 - INSURANCE|Part 4 - INSURANCE PURSUANT TO A PREMIUM FINANCE LOAN|Section 28-44-401 - CANCELLATION OF INSURANCE PURSUANT TO A PREMIUM FINANCE LOAN.

28-44-401. CANCELLATION OF INSURANCE PURSUANT TO A PREMIUM FINANCE LOAN. (1) With respect to a premium finance loan, the debtor may give the lender authority to cancel insurance contracts obtained for the debtor pursuant to the premium finance loan agreement. (2) A lender may not cancel unless he gives the debtor fifteen (15) days’ written notice that cancellation of a specified insurance contract will become effective on a stated date and at a stated time unless the debtor before that date cures his default with respect to the premium finance loan. The debtor may cure his default by paying to the lender the amount of the installment payments due, without acceleration of the unpaid balance of the principal, at the time notice is given, together with the amount of delinquency or deferral charges due at that time. (3) Upon cancellation the lender shall rebate or refund to the debtor the amount of any unearned loan finance charge. The amount of the rebate shall be equal to the amount of the unearned loan finance charge that would have been rebated or refunded pursuant to section 28-42-307, Idaho Code, if the loan had been prepaid in full at the date of cancellation. (4) All laws of this state relating to cancellation of insurance contracts must be complied with when cancellation occurs pursuant to this section. (5) If the insurance contract cancelled provides motor vehicle liability insurance: (a) The notice of cancellation shall briefly inform the debtor of the consequences under the laws of this state of operating a motor vehicle without liability insurance; and (b) A copy of the notice of cancellation shall be sent to the Idaho transportation department.  History: [28-44-401, added 1983, ch. 119, sec. 3, p. 293.]
ID Code § 28-45-101 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 45 - REMEDIES AND PENALTIES|Part 1 - LIMITATIONS ON CREDITORS’ REMEDIES|Section 28-45-101 - SHORT TITLE.

28-45-101. SHORT TITLE. This chapter shall be known and may be cited as Idaho Credit Code — Remedies and Penalties.  History: [28-45-101, added 1983, ch. 119, sec. 3, p. 294.]
ID Code § 28-45-102 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 45 - REMEDIES AND PENALTIES|Part 1 - LIMITATIONS ON CREDITORS’ REMEDIES|Section 28-45-102 - SCOPE.

28-45-102. SCOPE. This part applies to actions or other proceedings to enforce rights arising from regulated consumer credit transactions, to extortionate extensions of credit, section 28-45-109, Idaho Code, and to unconscionability, section 28-45-106, Idaho Code.  History: [28-45-102, added 1983, ch. 119, sec. 3, p. 294.]
ID Code § 28-45-103 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 45 - REMEDIES AND PENALTIES|Part 1 - LIMITATIONS ON CREDITORS’ REMEDIES|Section 28-45-103 - RESTRICTIONS ON DEFICIENCY JUDGMENTS.

28-45-103. RESTRICTIONS ON DEFICIENCY JUDGMENTS. (1) This section applies to a regulated consumer credit sale of goods or services. (2) If the seller repossesses or voluntarily accepts surrender of goods which were the subject of the sale and in which he has a security interest and the cash price of the goods repossessed or surrendered was one thousand dollars ($1,000) or less, the buyer is not personally liable to the seller for the unpaid balance of the debt arising from the sale of the goods, and the seller is not obligated to resell the collateral. (3) If the seller repossesses or voluntarily accepts surrender of goods which were not the subject of the sale but in which he has a security interest to secure a debt arising from a sale of goods or services or a combined sale of goods and services and the cash price of the sale was one thousand dollars ($1,000) or less, the buyer is not personally liable to the seller for the unpaid balance of the debt arising from the sale. (4) For the purpose of determining the unpaid balance of consolidated debts or debts pursuant to open-end consumer credit, the allocation of payments to a debt shall be determined in the same manner as provided for determining the amount of debt secured by various security interests[,] section 28-43-303, Idaho Code. (5) The buyer may be liable in damages to the seller if the buyer has wrongfully damaged the collateral or if, after default and demand, the buyer has wrongfully failed to make the collateral available to the seller. (6) If the seller elects to bring an action against the buyer for a debt arising from a regulated consumer credit sale of goods or services, when under this section he would not be entitled to a deficiency judgment if he repossessed the collateral, and obtains judgment: (a) He may not repossess the collateral; and (b) The collateral is not subject to levy or sale on execution or similar proceedings pursuant to the judgment.  History: [28-45-103, added 1983, ch. 119, sec. 3, p. 294.]
ID Code § 28-45-104 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 45 - REMEDIES AND PENALTIES|Part 1 - LIMITATIONS ON CREDITORS’ REMEDIES|Section 28-45-104 - LIMITATION ON GARNISHMENT.

28-45-104. LIMITATION ON GARNISHMENT. (1) For the purposes of this part: (a) "Disposable earnings" means that part of the earnings of an individual remaining after the deduction from those earnings of amounts required by law to be withheld; and (b) "Garnishment" means any legal or equitable procedure through which the earnings of an individual are required to be withheld for payment of a debt. (2) The maximum part of the aggregate disposable earnings of an individual for any work week which is subject to garnishment to enforce payment of a judgment arising from a regulated consumer credit sale or regulated consumer loan may not exceed the lesser of: (a) Twenty-five percent (25%) of his disposable earnings for that week; or (b) The amount by which his disposable earnings for that week exceed thirty (30) times the federal minimum hourly wage prescribed by section 6(a)(1) of the Fair Labor Standards Act of 1938, U.S.C. title 29, section 206(a)(1), in effect at the time the earnings are payable. (c) In the case of earnings for a pay period other than a week, the director of the department of labor shall prescribe by rule a multiple of the federal minimum hourly wage equivalent in effect to that set forth in paragraph (b). (3) No court may make, execute, or enforce an order or process in violation of this section.  History: [28-45-104, added 1983, ch. 119, sec. 3, p. 295; am. 1996, ch. 421, sec. 22, p. 1421; am. 2000, ch. 267, sec. 1, p. 754.]
ID Code § 28-45-105 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 45 - REMEDIES AND PENALTIES|Part 1 - LIMITATIONS ON CREDITORS’ REMEDIES|Section 28-45-105 - NO DISCHARGE FROM EMPLOYMENT FOR GARNISHMENT.

28-45-105. NO DISCHARGE FROM EMPLOYMENT FOR GARNISHMENT. No employer shall discharge an employee for the reason that a creditor of the employee has subjected or attempted to subject unpaid earnings of the employee to garnishment or like proceedings directed to the employer for the purpose of paying a judgment arising from a regulated consumer credit transaction.  History: [28-45-105, added 1983, ch. 119, sec. 3, p. 295.]
ID Code § 28-45-106 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 45 - REMEDIES AND PENALTIES|Part 1 - LIMITATIONS ON CREDITORS’ REMEDIES|Section 28-45-106 - UNCONSCIONABILITY.

28-45-106. UNCONSCIONABILITY. (1) With respect to a regulated consumer credit sale, or regulated consumer loan, if the court as a matter of law finds the agreement or any clause of the agreement to have been unconscionable at the time it was made the court may refuse to enforce the agreement, or it may enforce the remainder of the agreement without the unconscionable clause, or it may so limit the application of any unconscionable clause as to avoid any unconscionable result. (2) If it is claimed or appears to the court that the agreement or any clause thereof may be unconscionable the parties shall be afforded a reasonable opportunity to present evidence as to its setting, purpose, and effect to aid the court in making the determination. (3) For the purpose of this section, a charge or practice expressly permitted by this act is not in itself unconscionable.  History: [28-45-106, added 1983, ch. 119, sec. 3, p. 295.]
ID Code § 28-45-107 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 45 - REMEDIES AND PENALTIES|Part 1 - LIMITATIONS ON CREDITORS’ REMEDIES|Section 28-45-107 - DEFAULT.

28-45-107. DEFAULT. An agreement of the parties to a regulated consumer credit transaction with respect to default on the part of the debtor is enforceable only to the extent that: (1) The debtor fails to make a payment as required by agreement; or (2) The prospect of payment, performance, or realization of collateral is significantly impaired; the burden of establishing the prospect of significant impairment is on the creditor.  History: [28-45-107, added 1983, ch. 119, sec. 3, p. 296.]
ID Code § 28-45-108 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 45 - REMEDIES AND PENALTIES|Part 1 - LIMITATIONS ON CREDITORS’ REMEDIES|Section 28-45-108 - CREDITOR’S RIGHT TO TAKE POSSESSION AFTER DEFAULT.

28-45-108. CREDITOR’S RIGHT TO TAKE POSSESSION AFTER DEFAULT. Upon default by a debtor with respect to a regulated consumer credit transaction, unless the debtor voluntarily surrenders possession of the collateral to the creditor, the creditor may take possession of the collateral without judicial process only if possession can be taken without entry into a dwelling and without the use of force or other breach of the peace.  History: [28-45-108, added 1983, ch. 119, sec. 3, p. 296.]
ID Code § 28-45-109 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 45 - REMEDIES AND PENALTIES|Part 1 - LIMITATIONS ON CREDITORS’ REMEDIES|Section 28-45-109 - EXTORTIONATE EXTENSIONS OF CREDIT.

28-45-109. EXTORTIONATE EXTENSIONS OF CREDIT. If it is the understanding of the creditor and the debtor at the time an extension of credit is made that delay in making repayment or failure to make repayment could result in the use of violence or other criminal means to cause harm to the person, reputation or property of the debtor(s) or of another person, the repayment of the extension of credit is unenforceable through civil judicial processes against the debtor.  History: [28-45-109, added 1983, ch. 119, sec. 3, p. 296.]
ID Code § 28-45-202 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 45 - REMEDIES AND PENALTIES|Part 2 - DEBTORS’ REMEDIES|Section 28-45-202 - DAMAGES OR PENALTIES AS SETOFF TO OBLIGATION.

28-45-202. DAMAGES OR PENALTIES AS SETOFF TO OBLIGATION. Damages or penalties to which a debtor is entitled pursuant to this part may be set off against the debtor’s obligation, and may be raised as a defense to an action on the obligation without regard to the time limitations prescribed by this part.  History: [28-45-202, added 1983, ch. 119, sec. 3, p. 298.]
ID Code § 28-45-203 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 45 - REMEDIES AND PENALTIES|Part 2 - DEBTORS’ REMEDIES|Section 28-45-203 - CIVIL LIABILITY FOR VIOLATION OF DISCLOSURE PROVISIONS.

28-45-203. CIVIL LIABILITY FOR VIOLATION OF DISCLOSURE PROVISIONS. (1) Except as otherwise provided in this section, a creditor who, in violation of the provisions of the Federal Consumer Credit Protection Act other than the provisions concerning advertising of credit terms, fails to disclose information to a person entitled to the information under this act is liable to that person to the same extent to which said creditor is liable to such person under the Federal Consumer Credit Protection Act. (2) An obligor or debtor has all rights under this act that he has under the Federal Consumer Credit Protection Act concerning a right of rescission as to certain transactions. A creditor or other person has all liabilities and defenses under this section that he had under the Federal Consumer Credit Protection Act. (3) An action may not be brought under this section more than one (1) year after the date of the occurrence of the violation. (4) The liability of a creditor under this section is in lieu of and not in addition to his liability under the Federal Consumer Credit Protection Act. An action by a person with respect to a violation may not be maintained pursuant to this section if a final judgment has been rendered for or against that person with respect to the same violation pursuant to the Federal Consumer Credit Protection Act. If a final judgment has been rendered in favor of a person pursuant to this section and thereafter a final judgment with respect to the same violation is rendered in favor of the same person pursuant to the Federal Consumer Credit Protection Act, a creditor liable under both judgments has a cause of action against that person for appropriate relief to the extent necessary to avoid double liability with respect to the same violation.  History: [28-45-203, added 1983, ch. 119, sec. 3, p. 298.]
ID Code § 28-45-301 (2021)
2021 Idaho Code|Title 28 - COMMERCIAL TRANSACTIONS|Chapter 45 - REMEDIES AND PENALTIES|Part 3 - LIMITATIONS ON DEBTORS’ LIABILITIES|Section 28-45-301 - LIMITATION ON DEFAULT CHARGES.

28-45-301. LIMITATION ON DEFAULT CHARGES. Except for reasonable expenses incurred in realizing on a security interest, the agreement with respect to a regulated consumer credit transaction may not provide for any charges as a result of default by the debtor except those authorized by this act. A provision in violation of this section is unenforceable.  History: [28-45-301, added 1983, ch. 119, sec. 3, p. 298.]