reglab/housing_qa huggingface dataset:
ID Code § 45-1105 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 11 - AIRCRAFT IMPROVEMENT LIENS|Section 45-1105 - PRIORITY.

45-1105. PRIORITY. A lien under section 45-1102, Idaho Code, when recorded in accordance with section 45-1103, Idaho Code, is superior to and preferred to: (1) A lien, mortgage or encumbrance that attaches to the aircraft, or related equipment, after recording of the notice of lien under section 45-1103, Idaho Code. (2) A prior lien, mortgage or other encumbrance, when the person furnishing the materials or performing the services did not have actual or constructive notice of the prior lien, mortgage or encumbrance, or the prior lien, mortgage or encumbrance was not recorded or filed in the manner provided by law. (3) A lien that attaches to the aircraft or equipment on the basis of a security interest, if, prior to the expenditure of labor, skill or materials upon the aircraft or equipment, the person planning to make the expenditure gives notice of that intention by United States mail, certified, return receipt requested, or equivalent private courier service that provides evidence of date of delivery of mail, to any holder of a security interest of record at the FAA prior to commencing such expenditure by sending such notice to the address of the holder of the security interest listed in the FAA record of lien, and the holder of the security interest does not respond within three (3) days of receipt of notice noting its opposition to the making of such an expenditure of labor, skill or materials.  History: [45-1105, added 2002, ch. 371, sec. 1, p. 1044.]
ID Code § 45-1106 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 11 - AIRCRAFT IMPROVEMENT LIENS|Section 45-1106 - ENFORCEMENT OF LIEN.

45-1106. ENFORCEMENT OF LIEN. (1) A suit to enforce a lien described in section 45-1102, Idaho Code, must be brought within twelve (12) months after the lien is recorded. (2) The practice and procedure to enforce a lien shall be governed by the law applicable to the foreclosure of mechanics’ and materialmen’s liens provided however, that notice requirements shall also extend to secured parties or lienholders of record with the federal aviation administration. (3) Any judgment entered by the court shall be deemed to be a "conveyance" within the meaning of subsection (a)(19) of 49 U.S.C. section 40102, and shall be recordable at the FAA aircraft registry pursuant to 14 CFR 49.17.  History: [45-1106, added 2002, ch. 371, sec. 1, p. 1045.]
ID Code § 45-1107 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 11 - AIRCRAFT IMPROVEMENT LIENS|Section 45-1107 - RELEASE OR DISCHARGE OF LIEN.

45-1107. RELEASE OR DISCHARGE OF LIEN. A lien under this chapter shall be released and discharged by the lien claimant or the agent of the lien claimant in accordance with the regulations of the federal aviation administration.  History: [45-1107, added 2002, ch. 371, sec. 1, p. 1045.]
ID Code § 45-1201 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 12 - RECONVEYANCE|Section 45-1201 - DEFINITIONS.

45-1201. DEFINITIONS. As used in this chapter: (1) "Beneficiary" means both the record owner of the beneficiary’s interest under a trust deed, including successors in interest. (2) "Reconveyance" or "reconvey" means a reconveyance of a trust deed. (3) "Satisfactory evidence" of the full payment of an obligation secured by a trust deed means a payoff letter, the original cancelled check or a copy, including a voucher copy, of a check, payable to the beneficiary or a servicer, and reasonable documentary evidence that the check was intended to effect full payment under the trust deed or an encumbrance upon the property covered by the trust deed. (4) "Servicer" means a person or entity that collects loan payments on behalf of a beneficiary. (5) "Title agent" means a title insurance agent duly licensed as an organization under chapter 27, title 41, Idaho Code. (6) "Title insurer" means a title insurer duly authorized to conduct business in the state of Idaho under title 41, Idaho Code. (7) "Trust deed" means a trust deed as defined in section 45-1502, Idaho Code.  History: [45-1201, added 1995, ch. 326, sec. 1, p. 1092.]
ID Code § 45-1202 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 12 - RECONVEYANCE|Section 45-1202 - CONDITIONS TO RECONVEYANCE.

45-1202. CONDITIONS TO RECONVEYANCE. A title insurer or title agent may reconvey a trust deed pursuant to the procedure prescribed in section 45-1203, Idaho Code, if the obligation secured by the trust deed shall have been fully paid by the title insurer or title agent that is permitted to reconvey the trust deed pursuant to section 45-1203, Idaho Code, or such title insurer or title agent shall possess satisfactory evidence of such payment in full. A title insurer or title agent may provide a reconveyance under section 45-1203, Idaho Code, whether or not it is then named as trustee under a trust deed.  History: [45-1202, added 1995, ch. 326, sec. 1, p. 1093.]
ID Code § 45-1204 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 12 - RECONVEYANCE|Section 45-1204 - OBJECTIONS TO RECONVEYANCES.

45-1204. OBJECTIONS TO RECONVEYANCES. The title insurer or title agent shall not record a reconveyance of a trust deed if, prior to the expiration of the sixty (60) day period specified in section 45-1203(2), Idaho Code, the title insurer or title agent receives a notice on behalf of the beneficiary or servicer stating that the trust deed continues to secure an obligation or otherwise objecting to reconveyance of the trust deed.  History: [45-1204, added 1995, ch. 326, sec. 1, p. 1095.]
ID Code § 45-1205 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 12 - RECONVEYANCE|Section 45-1205 - LIABILITY OF TITLE INSURANCE AGENT OR UNDERWRITER.

45-1205. LIABILITY OF TITLE INSURANCE AGENT OR UNDERWRITER. In the event that a trust deed is reconveyed by a title insurer or title agent purporting to act under the provisions of this chapter, but the obligation secured by the trust deed has not been fully paid, the title insurer or title agent effecting such reconveyance shall be liable to the beneficiary of the trust deed for the damages suffered as a result of such improper reconveyance only if the title insurer or title agent failed to substantially comply with the provisions of section 45-1203 or 45-1204, Idaho Code, or acted with negligence or in bad faith in reconveying the trust deed.  History: [45-1205, added 1995, ch. 326, sec. 1, p. 1095.]
ID Code § 45-1206 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 12 - RECONVEYANCE|Section 45-1206 - PAYOFFS PRIOR TO EFFECTIVE DATE.

45-1206. PAYOFFS PRIOR TO EFFECTIVE DATE. The reconveyance procedure prescribed in sections 45-1201 through 45-1205, Idaho Code, shall apply to obligations secured by trust deeds that were paid either prior to or following the effective date of this section.  History: [45-1206, added 1995, ch. 326, sec. 1, p. 1095.]
ID Code § 45-1302 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 13 - GENERAL PROVISIONS RELATING TO ENFORCEMENT OF LIENS AND MORTGAGES|Section 45-1302 - DETERMINATION OF ALL RIGHTS UPON FORECLOSURE PROCEEDINGS.

45-1302. DETERMINATION OF ALL RIGHTS UPON FORECLOSURE PROCEEDINGS. In any suit brought to foreclose a mortgage or lien upon real property or a lien on or security interest in personal property, the plaintiff, cross-complainant or plaintiff in intervention may make as party defendant in the same cause of action, any person having, claiming or appearing to have or to claim any title, estate, or interest in or to any part of the real or personal property involved therein, and the court shall, in addition to granting relief in the foreclosure action, determine the title, estate or interest of all parties thereto in the same manner and to the same extent and effect as in the action to quiet title.  History: [45-1302, added 1929, ch. 113, sec. 1, p. 182; I.C.A., sec. 44-1104; am. 1937, ch. 21, sec. 1, p. 32; am. 1967, ch. 272, sec. 21, p. 745; am. 2010, ch. 79, sec. 16, p. 145.]
ID Code § 45-1303 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 13 - GENERAL PROVISIONS RELATING TO ENFORCEMENT OF LIENS AND MORTGAGES|Section 45-1303 - VALIDATION OF FORMER PROCEEDINGS TO QUIET TITLE.

45-1303. VALIDATION OF FORMER PROCEEDINGS TO QUIET TITLE. All proceedings heretofore taken in any suit for the foreclosure of a mortgage or lien upon real property, and all judgments and decrees made, filed and docketed under such proceedings, and wherein the plaintiff, cross-complainant or plaintiff in intervention has quieted the title in such action or proceeding in conformity to the intent of section 45-1302, are hereby validated.  History: [45-1303, added 1929, ch. 113, sec. 2, p. 182; I.C.A., sec. 44-1105.]
ID Code § 45-1504 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 15 - TRUST DEEDS|Section 45-1504 - TRUSTEE OF TRUST DEED — WHO MAY SERVE — SUCCESSORS.

45-1504. TRUSTEE OF TRUST DEED — WHO MAY SERVE — SUCCESSORS. (1) The trustee of a trust deed under this act shall be: (a) Any member of the Idaho state bar; (b) Any bank or savings and loan association authorized to do business under the laws of Idaho or the United States; (c) An authorized trust institution having a charter under chapter 32, title 26, Idaho Code, or any corporation authorized to conduct a trust business under the laws of the United States; or (d) A licensed title insurance agent or title insurance company authorized to transact business under the laws of the state of Idaho. (2) The trustee may resign at its own election or be replaced by the beneficiary. The trustee shall give prompt written notice of its resignation to the beneficiary. The resignation of the trustee shall become effective upon the recording of the notice of resignation in each county in which the deed of trust is recorded. If a trustee is not appointed in the deed of trust, or upon the resignation, incapacity, disability, absence, or death of the trustee, or the election of the beneficiary to replace the trustee, the beneficiary shall appoint a trustee or a successor trustee. Upon recording the appointment of a successor trustee in each county in which the deed of trust is recorded, the successor trustee shall be vested with all powers of an original trustee.  History: [45-1504, added 1957, ch. 181, sec. 4, p. 345; am. 1969, ch. 155, sec. 1, p. 482; am. 1983, ch. 190, sec. 2, p. 515; am. 2005, ch. 236, sec. 3, p. 726.]
ID Code § 45-1506A (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 15 - TRUST DEEDS|Section 45-1506A - RESCHEDULED SALE — ORIGINAL SALE BARRED BY STAY — NOTICE OF RESCHEDULED SALE.

45-1506A. RESCHEDULED SALE — ORIGINAL SALE BARRED BY STAY — NOTICE OF RESCHEDULED SALE. (1) In the event a sale cannot be held at the time scheduled by reason of automatic stay provisions of the U.S. bankruptcy code (11 U.S.C. 362), or a stay order issued by any court of competent jurisdiction, then the sale may be rescheduled and conducted following expiration or termination of the effect of the stay in the manner provided in this section. (2) Notice of the rescheduled sale shall be given at least thirty (30) days before the day of the rescheduled sale by registered or certified mail to the last known address of all persons who were entitled to notice by mail of the original sale and to any person who shall have recorded a request for notice of sale at least forty-five (45) days prior to the rescheduled sale date in the form and manner required by section 45-1511, Idaho Code, provided that recording the request prior to notice of default is, for the purposes of this section only, waived. (3) Notice of the rescheduled sale shall be published in the newspaper of original publication once a week for three (3) successive weeks, making three (3) publishings in all, with the last publication to be at least ten (10) days prior to the day of sale. (4) The trustee shall make an affidavit stating that he or she has complied with subsections (2) and (3) of this section. The trustee shall make the above affidavit available for inspection at the time of the rescheduled sale together with any affidavit of mailing and posting, when required, which was not of record as required by subsection (7) of section 45-1506, Idaho Code, when the stay became effective. The affidavit or affidavits shall be attached to or incorporated in the trustee’s deed.  History: [45-1506A, added 1983, ch. 190, sec. 4, p. 518; am. 1987, ch. 166, sec. 1, p. 327.]
ID Code § 45-1506B (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 15 - TRUST DEEDS|Section 45-1506B - POSTPONEMENT OF SALE — INTERVENTION OF STAY.

45-1506B. POSTPONEMENT OF SALE — INTERVENTION OF STAY. (1) If a stay as set out in subsection (1) of section 45-1506A, Idaho Code, which would otherwise have stopped a foreclosure sale is terminated or lifted prior to the date of sale, then any person having a right to reinstate the deed of trust pursuant to subsection (12) of section 45-1506, Idaho Code, may request the trustee to postpone the sale for a period of time which shall allow at least one hundred fifteen (115) days to elapse from the recording of the notice of default to the rescheduled date of sale exclusive of the period of time during which such stay was in effect. (2) Written request for postponement must be served upon the trustee prior to the time set for the original sale. (3) If the foreclosure has proceeded in compliance with all requirements of subsections (2) through and including (6), of section 45-1506, Idaho Code, prior to the intervention of the stay, then at the time appointed for the original sale, the trustee shall announce the date and time of the rescheduled sale to be conducted at the place originally scheduled and no further or additional notice of any kind shall be required. (4) If the foreclosure has proceeded in compliance with subsections (2) through and including (5), of section 45-1506, Idaho Code, prior to the intervention of the stay, then the foreclosure process may be resumed if timely compliance can be had with publication of the original notice of sale under subsection (6) of section 45-1506, Idaho Code. If timely compliance under subsection (6) of section 45-1506, Idaho Code, is not possible, the partially completed foreclosure process shall be discontinued and any further sale proceeding shall require new compliance with all notice of sale procedures as provided in section 45-1506, Idaho Code. (5) Nothing in this section shall be construed to create a right to cure the default and reinstate the deed of trust under subsection (12) of section 45-1506, Idaho Code, for a period of time longer than one hundred fifteen (115) days from the recording of the notice of default exclusive of the time during which a stay is in effect and if no request is made to postpone the sale under the circumstances provided in this section, the computation of time under this chapter shall be deemed unaffected by any intervening stay.  History: [45-1506B, added 1983, ch. 190, sec. 5, p. 519.]
ID Code § 45-1507 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 15 - TRUST DEEDS|Section 45-1507 - PROCEEDS OF SALE — DISPOSITION.

45-1507. PROCEEDS OF SALE — DISPOSITION. The trustee shall apply the proceeds of the trustee’s sale as follows: (1) To the expenses of the sale, including a reasonable charge by the trustee and a reasonable attorney’s fee. (2) To the obligation secured by the trust deed. (3) To any persons having recorded liens subsequent to the interest of the trustee in the trust deed as their interests may appear. (4) The surplus, if any, to the grantor of the trust deed or to his successor in interest entitled to such surplus.  History: [45-1507, added 1957, ch. 181, sec. 7, p. 345.]
ID Code § 45-1508 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 15 - TRUST DEEDS|Section 45-1508 - FINALITY OF SALE.

45-1508. FINALITY OF SALE. A sale made by a trustee under this act shall foreclose and terminate all interest in the property covered by the trust deed of all persons to whom notice is given under section 45-1506, Idaho Code, and of any other person claiming by, through or under such persons and such persons shall have no right to redeem the property from the purchaser at the trustee’s sale. The failure to give notice to any of such persons by mailing, personal service, posting or publication in accordance with section 45-1506, Idaho Code, shall not affect the validity of the sale as to persons so notified nor as to any such persons having actual knowledge of the sale. Furthermore, any failure to comply with the provisions of section 45-1506, Idaho Code, shall not affect the validity of a sale in favor of a purchaser in good faith for value at or after such sale, or any successor in interest thereof.  History: [45-1508, added 1957, ch. 181, sec. 8, p. 345; am. 1990, ch. 401, sec. 3, p. 1126.]
ID Code § 45-1509 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 15 - TRUST DEEDS|Section 45-1509 - TRUSTEE’S DEED — FORM AND CONTENTS.

45-1509. TRUSTEE’S DEED — FORM AND CONTENTS. (1) The trustee’s deed to the purchaser at the trustee’s sale under this act shall conform to the requirements of subsection (2) of this section. (2) The trustee’s deed shall contain, in addition to a description of the property conveyed, a recital of the facts concerning the default, the mailing and the publication of the notice of sale, the conduct of the sale and the receipt of the purchase money from the purchaser.  History: [45-1509, added 1957, ch. 181, sec. 9, p. 345.]
ID Code § 45-1511 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 15 - TRUST DEEDS|Section 45-1511 - REQUEST FOR COPY OF NOTICE OF DEFAULT OR NOTICE OF SALE — MARGINAL RECORDATION THEREOF.

45-1511. REQUEST FOR COPY OF NOTICE OF DEFAULT OR NOTICE OF SALE — MARGINAL RECORDATION THEREOF. Any person desiring a copy of any notice of default or any notice of sale under a deed of trust, as hereinbefore provided, at any time subsequent to the recordation of such deed of trust and prior to the recording of notice of default thereunder, may cause to be filed for record in the office of the recorder of the county or counties in which any part or parcel of the real property is situated a duly acknowledged request for a copy of any such notice of sale or default showing service upon such trustee. The request shall set forth the name and address of the person requesting copies of such notice or notices and shall identify the deed of trust by stating the names of the parties thereto, the date of recordation and the book and page where the same is recorded and the recorder’s instrument number. The recorder shall immediately enter on the margin of the record of the deed of trust therein referred to that such request is recorded at a certain book and page in the records of his office; no request or any statement therein contained or the record thereof shall affect the title to said property or be deemed notice to any person that any person so recording such request has any right, title or interest in or lien or charge upon the property in the deed of trust referred to therein.  History: [45-1511, added 1957, ch. 181, sec. 11, p. 345.]
ID Code § 45-1512 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 15 - TRUST DEEDS|Section 45-1512 - MONEY JUDGMENT — ACTION SEEKING BALANCE DUE ON OBLIGATION.

45-1512. MONEY JUDGMENT — ACTION SEEKING BALANCE DUE ON OBLIGATION. At any time within 3 months after any sale under a deed of trust, as hereinbefore provided, a money judgment may be sought for the balance due upon the obligation for which such deed of trust was given as security, and in such action the plaintiff shall set forth in his complaint the entire amount of indebtedness which was secured by such deed of trust and the amount for which the same was sold and the fair market value at the date of sale, together with interest from such date of sale, costs of sale and attorney’s fees. Before rendering judgment the court shall find the fair market value of the real property sold at the time of sale. The court may not render judgment for more than the amount by which the entire amount of indebtedness due at the time of sale exceeds the fair market value at that time, with interest from date of sale, but in no event may the judgment exceed the difference between the amount for which such property was sold and the entire amount of the indebtedness secured by the deed of trust.  History: [45-1512, added 1957, ch. 181, sec. 12, p. 345.]
ID Code § 45-1513 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 15 - TRUST DEEDS|Section 45-1513 - TRANSFERS AND TRUSTS ARE CONVEYANCES.

45-1513. TRANSFERS AND TRUSTS ARE CONVEYANCES. A deed of trust or transfer of any interest in real property in trust to secure the performance of any obligation shall be a conveyance of real property.  History: [45-1513, added 1957, ch. 181, sec. 13, p. 345.]
ID Code § 45-1514 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 15 - TRUST DEEDS|Section 45-1514 - RECONVEYANCE UPON SATISFACTION OF OBLIGATION.

45-1514. RECONVEYANCE UPON SATISFACTION OF OBLIGATION. Upon performance of the obligation secured by the deed of trust, the trustee upon written request of the beneficiary shall reconvey the estate of real property described in the deed of trust to the grantor; providing that in the event of such performance and the refusal of any beneficiary to so request or the trustee to so reconvey, as above provided, such beneficiary or trustee shall be liable as provided by law in the case of refusal to execute a discharge or satisfaction of a mortgage on real property.  History: [45-1514, added 1957, ch. 181, sec. 14, p. 345.]
ID Code § 45-1515 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 15 - TRUST DEEDS|Section 45-1515 - TIME LIMITS FOR FORECLOSURE.

45-1515. TIME LIMITS FOR FORECLOSURE. The foreclosure of a trust deed by advertisement and sale shall be made and the foreclosure of a trust deed by judicial procedure shall be commenced within the time limited by the same period and according to the same provisions including extensions as provided by law for the foreclosure of a mortgage on real property.  History: [45-1515, added 1957, ch. 181, sec. 15, p. 345.]
ID Code § 45-1601 (2021)
2021 Idaho Code|Title 45 - LIENS, MORTGAGES AND PLEDGES|Chapter 16 - CONSUMER FORECLOSURE PROTECTION ACT|Section 45-1601 - LEGISLATIVE FINDINGS.

45-1601. LEGISLATIVE FINDINGS. The legislature finds that some persons and businesses are engaging in patterns of conduct that defraud innocent homeowners of their title, equity interest, or other value in residential dwellings under the guise of stopping or postponing a foreclosure sale. The legislature also finds this activity to be contrary to the public policy of this state and therefore establishes notice requirements governing contracts or agreements entered into during the foreclosure period. The legislature further finds that the provisions of this chapter shall be construed in such a manner that it does not inhibit transactions with legitimate lenders and investors.  History: [45-1601, added 2008, ch. 192, sec. 1, p. 601.]