reglab/housing_qa huggingface dataset:
UT Code § 7-23-301 (2021)
2021 Utah Code|Title 7 - Financial Institutions Act|Chapter 23 - Check Cashing and Deferred Deposit Lending Registration Act|Part 3 - Check Cashing Operations|Section 301 - Posting of fee schedules for cashing checks.

7-23-301. Posting of fee schedules for cashing checks.    (1) A check casher shall post a complete schedule of all fees for cashing a check in a conspicuous location on its premises that can be viewed by a person cashing a check.     (2) The schedule of fees required to be posted under Subsection (1) shall state the fees using dollar amounts.    Renumbered and Amended by Chapter 96, 2008 General Session
UT Code § 7-23-402 (2021)
2021 Utah Code|Title 7 - Financial Institutions Act|Chapter 23 - Check Cashing and Deferred Deposit Lending Registration Act|Part 4 - Deferred Deposit Lending Operations|Section 402 - Electronic disbursement and collections.

7-23-402. Electronic disbursement and collections.  If a deferred deposit lender collects payment on a deferred deposit loan through an electronic payment, the deferred deposit lender shall, on the day the loan is executed:  (1) credit the amount of the deferred deposit loan through an electronic payment to the person receiving the deferred deposit loan; or     (2) make the amount of the deferred deposit loan immediately available to the person receiving the deferred deposit loan.    Renumbered and Amended by Chapter 96, 2008 General Session
UT Code § 7-23-501 (2021)
2021 Utah Code|Title 7 - Financial Institutions Act|Chapter 23 - Check Cashing and Deferred Deposit Lending Registration Act|Part 5 - Enforcement|Section 501 - Enforcement by department -- Rulemaking.

7-23-501. Enforcement by department -- Rulemaking.    (1) Subject to the requirements of Title 63G, Chapter 4, Administrative Procedures Act, the department may:   (a) receive and act on complaints;     (b) take action designed to obtain voluntary compliance with this chapter;     (c) commence administrative or judicial proceedings on its own initiative to enforce compliance with this chapter; or     (d) take action against a check casher or deferred deposit lender that fails to:   (i) respond to the department, in writing within 30 business days of the day on which the check casher or deferred deposit lender receives notice from the department of a complaint filed with the department; or     (ii) submit information as requested by the department.         (2) The department may:   (a) counsel persons and groups on their rights and duties under this chapter;     (b) make rules in accordance with Title 63G, Chapter 3, Utah Administrative Rulemaking Act, to:   (i) restrict or prohibit lending or servicing practices that are misleading, unfair, or abusive;     (ii) promote or assure fair and full disclosure of the terms and conditions of agreements and communications between a customer and:   (A) a check casher; or     (B) a deferred deposit lender; and       (iii) promote or assure uniform application of or to resolve ambiguities in applicable state or federal laws or federal regulations; and       (c) employ hearing examiners, clerks, and other employees and agents as necessary to perform the department's duties under this chapter.      Renumbered and Amended by Chapter 96, 2008 General SessionAmended by Chapter 382, 2008 General Session
UT Code § 7-23-502 (2021)
2021 Utah Code|Title 7 - Financial Institutions Act|Chapter 23 - Check Cashing and Deferred Deposit Lending Registration Act|Part 5 - Enforcement|Section 502 - Examination of books, accounts, and records by the department.

 Effective 5/9/2017  7-23-502. Examination of books, accounts, and records by the department.    (1) At least annually the department shall, for each person registered under this chapter and engaging in the business of cashing checks or the business of deferred deposit lending:   (a) examine the books, accounts, and records; and     (b) make investigations to determine compliance with this chapter.       (2) In accordance with Section 7-1-401, a person examined under Subsection (1) shall pay a fee for the examination conducted under Subsection (1).    Amended by Chapter 37, 2017 General Session
UT Code § 7-23-503 (2021)
2021 Utah Code|Title 7 - Financial Institutions Act|Chapter 23 - Check Cashing and Deferred Deposit Lending Registration Act|Part 5 - Enforcement|Section 503 - Reporting by commissioner.

 Effective 5/12/2020  7-23-503. Reporting by commissioner.    (1) Subject to Subsection (2), as part of the commissioner's annual report to the governor and Legislature under Section 7-1-211, the commissioner shall report to the governor and Legislature on the operations on an aggregate basis of deferred deposit lenders operating in the state.     (2) In preparing the report required by Subsection (1), the commissioner:   (a) shall include in the report for the immediately preceding calendar year aggregate information from the one or more operations statements filed under Subsection 7-23-201(2)(e) by deferred deposit lenders for that calendar year;     (b) shall include in the report:   (i) the total number of written complaints concerning issues material to deferred deposit loan transactions received by the department in a calendar year from persons who have entered into a deferred deposit loan with a deferred deposit lender;     (ii) for deferred deposit lenders who are registered with the department:   (A) the number of the complaints described in Subsection (2)(b)(i) that the department considers resolved; and     (B) the number of the complaints described in Subsection (2)(b)(i) that the department considers unresolved; and       (iii) for deferred deposit lenders who are not registered with the department:   (A) the number of the complaints described in Subsection (2)(b)(i) that the department considers resolved; and     (B) the number of the complaints described in Subsection (2)(b)(i) that the department considers unresolved;         (c) may not include in the report information from an operations statement filed with the department that could identify a specific deferred deposit lender; and     (d) may not include in the report information from an operations statement filed under Subsection 7-23-201(2)(f).      Amended by Chapter 121, 2020 General Session
UT Code § 7-23-504 (2021)
2021 Utah Code|Title 7 - Financial Institutions Act|Chapter 23 - Check Cashing and Deferred Deposit Lending Registration Act|Part 5 - Enforcement|Section 504 - Penalties.

7-23-504. Penalties.    (1) A person who violates this chapter or who files materially false information with a registration or renewal under Section 7-23-201 is:   (a) guilty of a class B misdemeanor, except for a violation of:   (i) Subsection 7-23-401(1)(f)(i), (ii), or (iii); or     (ii) rules made under Subsection 7-23-501(2)(b); and       (b) subject to revocation of a person's registration under this chapter.       (2) Subject to Title 63G, Chapter 4, Administrative Procedures Act, if the department determines that a person is engaging in the business of cashing checks or the business of deferred deposit lending in violation of this chapter, the department may:   (a) revoke that person's registration under this chapter;     (b) issue a cease and desist order from committing any further violations;     (c) prohibit the person from continuing to engage in the business of:   (i) cashing checks; or     (ii) deferred deposit lending;       (d) impose an administrative fine not to exceed $1,000 per violation, except that:   (i) a fine imposed under Subsection 7-23-201(4) shall comply with Subsection 7-23-201(4); and     (ii) the aggregate total of fines imposed under this chapter against a person in a calendar year may not exceed $30,000 for that calendar year; or       (e) take any combination of actions listed under this Subsection (2).      Renumbered and Amended by Chapter 96, 2008 General SessionAmended by Chapter 382, 2008 General Session
UT Code § 7-24-101 (2021)
2021 Utah Code|Title 7 - Financial Institutions Act|Chapter 24 - Title Lending Registration Act|Part 1 - General Provisions|Section 101 - Title.

7-24-101. Title.  This chapter is known as the "Title Lending Registration Act."  Enacted by Chapter 236, 2003 General Session
UT Code § 7-24-102 (2021)
2021 Utah Code|Title 7 - Financial Institutions Act|Chapter 24 - Title Lending Registration Act|Part 1 - General Provisions|Section 102 - Definitions.

 Effective 5/12/2015  7-24-102. Definitions.  As used in this chapter:  (1) "Nationwide database" means the Nationwide Mortgage Licensing System and Registry, authorized under 12 U.S.C. Sec. 5101 for federal licensing of mortgage loan originators.     (2) "Rollover" means the extension or renewal of the term of a title loan.     (3)   (a) "Title lender" means a person that extends a title loan.     (b) "Title lender" includes a person that:   (i) arranges a title loan on behalf of a title lender;     (ii) acts as an agent for a title lender; or     (iii) assists a title lender in the extension of a title loan.         (4)   (a) "Title loan" means a loan secured by the title to a:   (i) motor vehicle, as defined in Section 41-6a-102;     (ii) mobile home, as defined in Section 41-6a-102; or     (iii) motorboat, as defined in Section 73-18-2.       (b) "Title loan" includes a title loan extended at the same premise on which any of the following are sold:   (i) a motor vehicle, as defined in Section 41-6a-102;     (ii) a mobile home, as defined in Section 41-6a-102; or     (iii) a motorboat, as defined in Section 73-18-2.       (c) "Title loan" does not include:   (i) a purchase money loan;     (ii) a loan made in connection with the sale of a:   (A) motor vehicle, as defined in Section 41-6a-102;     (B) mobile home, as defined in Section 41-6a-102; or     (C) motorboat, as defined in Section 73-18-2; or       (iii) a loan extended by an institution listed in Section 7-24-305.        Amended by Chapter 284, 2015 General Session
UT Code § 7-24-203 (2021)
2021 Utah Code|Title 7 - Financial Institutions Act|Chapter 24 - Title Lending Registration Act|Part 2 - Requirements|Section 203 - Disclosure form for title loans.

7-24-203. Disclosure form for title loans.    (1) In accordance with Title 63G, Chapter 3, Utah Administrative Rulemaking Act, the department shall adopt a disclosure form for title loans that complies with this section.     (2) The department shall specify by rule:   (a) the information to be provided in the disclosure form including:   (i) the costs of obtaining a title loan;     (ii) the consequences of defaulting on a title loan;     (iii) generally available alternatives to a title loan; and     (iv) methods of obtaining credit counseling or other financial advice;       (b) the type size of the disclosure form; and     (c) the manner in which a title lender shall conspicuously provide the disclosure form to a person seeking a title loan.      Amended by Chapter 382, 2008 General Session
UT Code § 7-24-204 (2021)
2021 Utah Code|Title 7 - Financial Institutions Act|Chapter 24 - Title Lending Registration Act|Part 2 - Requirements|Section 204 - Remedy for default.

7-24-204. Remedy for default.  Except in the event of fraud by a borrower, if a borrower defaults on a title loan:  (1) the title lender's sole remedy is to seek repossession and sale of the property securing the title loan;     (2) the title lender may not pursue the borrower personally for:   (a) repayment of the loan; or     (b) any deficiency after repossession and sale of the property securing the loan; and       (3) after repossession and sale of the property securing the title loan, the title lender shall return to the borrower any proceeds from the sale in excess of the amount owed on the title loan.    Enacted by Chapter 236, 2003 General Session
UT Code § 7-24-301 (2021)
2021 Utah Code|Title 7 - Financial Institutions Act|Chapter 24 - Title Lending Registration Act|Part 3 - Enforcement|Section 301 - Enforcement by department -- Rulemaking.

7-24-301. Enforcement by department -- Rulemaking.    (1) Subject to the requirements of Title 63G, Chapter 4, Administrative Procedures Act, the department may:   (a) receive and act on complaints;     (b) take action designed to obtain voluntary compliance with this chapter; or     (c) commence administrative or judicial proceedings on its own initiative to enforce compliance with this chapter.       (2) The department may:   (a) counsel persons and groups on their rights and duties under this chapter;     (b) make rules to:   (i) restrict or prohibit lending or servicing practices that are misleading, unfair, or abusive;     (ii) promote or assure fair and full disclosure of the terms and conditions of agreements and communications between title lenders and customers; or     (iii) promote or assure uniform application of or to resolve ambiguities in applicable state or federal laws or federal regulations; and       (c) employ hearing examiners, clerks, and other employees and agents as necessary to perform the department's duties under this chapter.      Amended by Chapter 382, 2008 General Session
UT Code § 7-24-302 (2021)
2021 Utah Code|Title 7 - Financial Institutions Act|Chapter 24 - Title Lending Registration Act|Part 3 - Enforcement|Section 302 - Examination of books, accounts, and records by the department.

7-24-302. Examination of books, accounts, and records by the department.    (1) The department may examine the books, accounts, and records of a title lender and may make investigations to determine compliance with this chapter.     (2) In accordance with Section 7-1-401, a title lender shall pay a fee for an examination conducted under Subsection (1).    Enacted by Chapter 236, 2003 General Session
UT Code § 7-24-303 (2021)
2021 Utah Code|Title 7 - Financial Institutions Act|Chapter 24 - Title Lending Registration Act|Part 3 - Enforcement|Section 303 - Penalties.

7-24-303. Penalties.    (1) A person who violates this chapter or who files materially false information with a registration or renewal under Section 7-24-201 is:   (a) guilty of a class B misdemeanor except for a violation of:   (i) Subsection 7-24-202(1)(e)(i), (ii), or (iii); or     (ii) rules made under Subsection 7-24-301(2)(b); and       (b) subject to revocation of a person's registration under this chapter.       (2) Subject to Title 63G, Chapter 4, Administrative Procedures Act, if the department determines that a person is extending title loans in violation of this chapter, the department may:   (a) revoke that person's registration under this chapter;     (b) issue a cease and desist order from committing any further violations;     (c) prohibit the person from continuing to extend title loans;     (d) impose an administrative fine not to exceed $1,000 per violation, except that:   (i) a fine imposed under Subsection 7-24-201(2)(e) shall comply with Subsection 7-24-201(2)(e); and     (ii) the aggregate total of fines imposed under this chapter against a person in a calendar year may not exceed $30,000 for that calendar year; or       (e) take any combination of actions listed under this Subsection (2).       (3) A person is not subject to the penalties under this section for a violation of this chapter that was not willful or intentional, including a violation resulting from a clerical error.    Amended by Chapter 382, 2008 General Session
UT Code § 7-24-304 (2021)
2021 Utah Code|Title 7 - Financial Institutions Act|Chapter 24 - Title Lending Registration Act|Part 3 - Enforcement|Section 304 - Civil liability.

7-24-304. Civil liability.  Nothing in this chapter is intended to limit any civil liability that may exist against a title lender for:  (1) breach of contract;     (2) violation of federal law; or     (3) other unlawful act.    Enacted by Chapter 236, 2003 General Session
UT Code § 7-24-305 (2021)
2021 Utah Code|Title 7 - Financial Institutions Act|Chapter 24 - Title Lending Registration Act|Part 3 - Enforcement|Section 305 - Exemptions.

7-24-305. Exemptions.  The following are not subject to the requirements of this chapter:  (1) a depository institution;     (2) a depository institution holding company; or     (3) an institution directly or indirectly owned or controlled by one or more:   (a) depository institutions; or     (b) depository institution holding companies.      Enacted by Chapter 236, 2003 General Session
UT Code § 7-25-101 (2021)
2021 Utah Code|Title 7 - Financial Institutions Act|Chapter 25 - Money Transmitter Act|Part 1 - General Provisions|Section 101 - Title.

 Effective 5/12/2015  7-25-101. Title.  This chapter is known as the "Money Transmitter Act." Enacted by Chapter 284, 2015 General Session
UT Code § 7-25-103 (2021)
2021 Utah Code|Title 7 - Financial Institutions Act|Chapter 25 - Money Transmitter Act|Part 1 - General Provisions|Section 103 - Rules.

 Effective 5/12/2015  7-25-103. Rules.  The commissioner may make a rule authorized by this chapter in accordance with Title 63G, Chapter 3, Utah Administrative Rulemaking Act, including to:  (1) restrict or prohibit practices that are misleading, unfair, or abusive;     (2) promote or assure fair and full disclosure of the terms and conditions of agreements and communications between a customer and a money transmitter; and     (3) promote or assure uniform application of or to resolve ambiguities in applicable state or federal laws or federal regulations.    Enacted by Chapter 284, 2015 General Session
UT Code § 7-25-201 (2021)
2021 Utah Code|Title 7 - Financial Institutions Act|Chapter 25 - Money Transmitter Act|Part 2 - Licensing|Section 201 - Licensing required.

 Effective 5/12/2015  7-25-201. Licensing required.    (1) Unless exempt under Section 7-25-202, a person may not engage in the business of money transmission without a license.     (2) A licensee may conduct its business in this state at one or more locations, directly or indirectly owned, or through one or more authorized agents, or both, pursuant to the single license granted to the licensee.    Enacted by Chapter 284, 2015 General Session
UT Code § 7-25-202 (2021)
2021 Utah Code|Title 7 - Financial Institutions Act|Chapter 25 - Money Transmitter Act|Part 2 - Licensing|Section 202 - Exemptions.

 Effective 5/12/2015  7-25-202. Exemptions.  This chapter does not apply to:  (1) the United States or a department or agency of the United States;     (2) the state or a political subdivision of the state; or     (3) a depository institution or a trust company organized under the laws of a state or the United States.    Enacted by Chapter 284, 2015 General Session
UT Code § 7-25-203 (2021)
2021 Utah Code|Title 7 - Financial Institutions Act|Chapter 25 - Money Transmitter Act|Part 2 - Licensing|Section 203 - License qualifications.

 Effective 5/12/2015  7-25-203. License qualifications.    (1) An applicant for a license shall:   (a) demonstrate, and a licensee shall maintain, a net worth of not less than $1,000,000 as demonstrated by a financial statement for the most recent fiscal year that is prepared and certified by an independent auditor and is satisfactory to the commissioner; and     (b) demonstrate experience, character, and general fitness to command the confidence of the public and warrant the belief that the business to be operated will be operated lawfully and fairly.       (2) A corporate applicant, at the time of filing of an application for a license under this chapter and at all times after a license is issued, shall be in good standing in the state of its incorporation. A noncorporate applicant shall, at the time of the filing of an application for a license under this chapter and at all times after a license is issued, be qualified to do business in the state.     (3) Subject to the commissioner's discretion, a person may not be licensed under this chapter to do business in the state:   (a) if the person has been convicted of, or pled guilty or no contest to, a felony:   (i) during the seven years preceding the day on which the individual files an application; or     (ii) at any time, if the felony involves an act of:   (A) fraud;     (B) dishonesty;     (C) breach of trust; or     (D) money laundering; or         (b) if an executive officer, key shareholder, or director of the person has been convicted of, or pled guilty or no contest to, a felony:   (i) during the seven years preceding the day on which the individual files an application; or     (ii) at any time, if the felony involves an act of:   (A) fraud;     (B) dishonesty;     (C) breach of trust; or     (D) money laundering.           (4) The applicant shall submit evidence satisfactory to the commissioner that the person is registered with the nationwide database.     (5) The commissioner may by rule, made in accordance with Title 63G, Chapter 3, Utah Administrative Rulemaking Act, provide for the transition of persons being licensed under this chapter.    Enacted by Chapter 284, 2015 General Session
UT Code § 7-25-204 (2021)
2021 Utah Code|Title 7 - Financial Institutions Act|Chapter 25 - Money Transmitter Act|Part 2 - Licensing|Section 204 - License application -- Bond.

 Effective 5/12/2015  7-25-204. License application -- Bond.    (1) To apply for a license under this chapter, a person shall:   (a) submit an application in writing;     (b) pay the original license fee required by Section 7-1-401; and     (c) submit a surety bond in accordance with Subsection (3).       (2) An application shall contain:   (a) the exact name of the applicant, the applicant's principal address, any fictitious or trade name used by the applicant in the conduct of its business, and the location of the applicant's business records;     (b) the history of the applicant's material litigation and criminal convictions for the seven-year period before the date the application is submitted;     (c) a description of the activities conducted by the applicant and a history of operations;     (d) a description of the business activities in which the applicant seeks to be engaged in the state;     (e) a list identifying the applicant's authorized agents in the state, if any, at the time of the filing of the license application;     (f) a sample authorized agent contract, if applicable;     (g) a sample form of payment instrument, if applicable;     (h) the one or more locations at which the applicant and its authorized agents, if any, propose to conduct the licensed activities in the state; and     (i) other information the commissioner requires by rule made in accordance with Title 63G, Chapter 3, Utah Administrative Rulemaking Act.       (3)   (a) An applicant shall submit with an application filed under this chapter a surety bond satisfactory to the commissioner in the minimum sum of $50,000 to reimburse the state for expenses of any kind or nature that the department may incur in connection with an administrative or judicial proceeding against a licensee, former licensee, or seller relating to the issuance or sale of a payment instrument in the state.     (b) A licensee shall maintain a surety bond meeting the requirements of Subsection (3)(a) for three years after the licensee ceases money transmission operations in the state. Except that the commissioner may permit the surety bond to be reduced or eliminated before the end of the three-year period to the extent that the amount of the licensee's payment instruments outstanding in this state are reduced.     (c) A surety bond shall remain in effect until cancellation, which may occur only after 30 days' written notice to the commissioner. Cancellation may not affect liability incurred or accrued during that period.      Enacted by Chapter 284, 2015 General Session