reglab/statecodes huggingface dataset:
2023 Nevada Revised Statutes › Chapter 603A - Security and Privacy of Personal Information › NRS 603A.338 - Applicability of provisions. [Effective through March 30, 2024.] Applicability of provisions. [Effective March 31, 2024.]

The provisions of NRS 603A.300 to 603A.360, inclusive, do not apply to:
1. A consumer reporting agency, as defined in 15 U.S.C. § 1681a(f);
2. Any personally identifiable information regulated by the Fair Credit Reporting Act, 15 U.S.C. §§ 1681 et seq., and the regulations adopted pursuant thereto, which is collected, maintained or sold as provided in that Act;
3. A person who collects, maintains or makes sales of personally identifiable information for the purposes of fraud prevention;
4. Any personally identifiable information that is publicly available;
5. Any personally identifiable information protected from disclosure under the federal Driver’s Privacy Protection Act of 1994, 18 U.S.C. §§ 2721 et seq., which is collected, maintained or sold as provided in that Act; or
6. A financial institution or an affiliate of a financial institution that is subject to the provisions of the Gramm-Leach-Bliley Act, 15 U.S.C. §§ 6801 et seq., or any personally identifiable information regulated by that Act which is collected, maintained or sold as provided in that Act.
(Added to NRS by 2021, 1672)
The provisions of NRS 603A.300 to 603A.360, inclusive, do not apply to:
1. A consumer reporting agency, as defined in 15 U.S.C. § 1681a(f);
2. Any personally identifiable information regulated by the Fair Credit Reporting Act, 15 U.S.C. §§ 1681 et seq., and the regulations adopted pursuant thereto, which is collected, maintained or sold as provided in that Act;
3. A person who collects, maintains or makes sales of personally identifiable information for the purposes of fraud prevention;
4. Any personally identifiable information that is publicly available;
5. Any personally identifiable information protected from disclosure under the federal Driver’s Privacy Protection Act of 1994, 18 U.S.C. §§ 2721 et seq., which is collected, maintained or sold as provided in that Act;
6. Any consumer health data subject to the provisions of NRS 603A.400 to 603A.550, inclusive; or
7. A financial institution or an affiliate of a financial institution that is subject to the provisions of the Gramm-Leach-Bliley Act, 15 U.S.C. §§ 6801 et seq., or any personally identifiable information regulated by that Act which is collected, maintained or sold as provided in that Act.
(Added to NRS by 2021, 1672; A 2023, 3462, effective March 31, 2024)
2023 Nevada Revised Statutes › Chapter 603A - Security and Privacy of Personal Information › NRS 603A.350 - Unlawful acts.

An operator violates NRS 603A.340 if the operator:
1. Has not previously failed to comply with the applicable provisions of subsection 1 of that section and knowingly fails to remedy a failure to comply with such provisions within 30 days after being informed of such a failure;
2. Knowingly fails to comply with the applicable provisions of subsection 1 of that section after having previously failed to comply with such provisions; or
3. Makes available a notice pursuant to that section which contains information which constitutes a knowing and material misrepresentation or omission that is likely to mislead a consumer acting reasonably under the circumstances, to the detriment of the consumer.
(Added to NRS by 2017, 4079; A 2021, 1676)
2023 Nevada Revised Statutes › Chapter 603A - Security and Privacy of Personal Information › NRS 603A.360 - Enforcement by Attorney General; civil penalty for violation or injunction; no private right of action against operator; provisions not exclusive.

1. The Attorney General shall enforce the provisions of NRS 603A.300 to 603A.360, inclusive.
2. If the Attorney General has reason to believe that an operator, either directly or indirectly, has violated or is violating NRS 603A.340 or 603A.345, the Attorney General may institute an appropriate legal proceeding against the operator. The district court, upon a showing that the operator, either directly or indirectly, has violated or is violating NRS 603A.340 or 603A.345, may:
(a) Issue a temporary or permanent injunction; or
(b) Impose a civil penalty not to exceed $5,000 for each violation.
3. If the Attorney General has reason to believe that a data broker, either directly or indirectly, has violated or is violating NRS 603A.346, the Attorney General may institute an appropriate legal proceeding against the data broker. The district court, upon a showing that the data broker, either directly or indirectly, has violated or is violating NRS 603A.346, may:
(a) Issue a temporary or permanent injunction; or
(b) Impose a civil penalty not to exceed $5,000 for each violation.
4. The provisions of NRS 603A.300 to 603A.360, inclusive, do not establish a private right of action against an operator.
5. The provisions of NRS 603A.300 to 603A.360, inclusive, are not exclusive and are in addition to any other remedies provided by law.
(Added to NRS by 2017, 4079; A 2019, 1172; 2021, 1676)
2023 Nevada Revised Statutes › Chapter 603A - Security and Privacy of Personal Information › NRS 603A.400 - Definitions. [Effective March 31, 2024.]

As used in NRS 603A.400 to 603A.550, inclusive, unless the context otherwise requires, the words and terms defined in NRS 603A.405 to 603A.485, inclusive, have the meanings ascribed to them in those sections.
(Added to NRS by 2023, 3452, effective March 31, 2024)
2023 Nevada Revised Statutes › Chapter 603A - Security and Privacy of Personal Information › NRS 603A.405 - Affiliate" defined. [Effective March 31, 2024.]

"Affiliate" means an entity that shares common branding with another entity and controls, is controlled by or is under common control with the other entity. For the purposes of this section, an entity shall be deemed to control another entity if the entity:
1. Owns or has the power to vote at least half of the outstanding shares of any class of voting security in the other entity;
2. Controls in any manner the election of a majority of the directors or persons exercising similar functions to directors of the other entity; or
3. Has the power to exercise controlling influence over the management of the other entity.
(Added to NRS by 2023, 3452, effective March 31, 2024)
2023 Nevada Revised Statutes › Chapter 603A - Security and Privacy of Personal Information › NRS 603A.410 - Authenticate" defined. [Effective March 31, 2024.]

"Authenticate" means to ascertain the identity of the originator of an electronic or physical document and establish a link between the document and the originator.
(Added to NRS by 2023, 2023, effective March 31, 2024)
2023 Nevada Revised Statutes › Chapter 603A - Security and Privacy of Personal Information › NRS 603A.415 - Biometric data" defined. [Effective March 31, 2024.]

"Biometric data" means data which is generated from the measurement or technical processing of the physiological, biological or behavioral characteristics of a person and, alone or in combination with other data, is capable of being used to identify the person. The term includes, without limitation:
1. Imagery of the fingerprint, palm print, hand print, scar, bodily mark, tattoo, voiceprint, face, retina, iris or vein pattern of a person; and
2. Keystroke patterns or rhythms and gait patterns or rhythms that contain identifying information.
(Added to NRS by 2023, 3453, effective March 31, 2024)
2023 Nevada Revised Statutes › Chapter 603A - Security and Privacy of Personal Information › NRS 603A.420 - Collect" defined. [Effective March 31, 2024.]

"Collect" means to buy, rent, access, retain, receive, acquire, infer, derive or otherwise process consumer health data in any manner.
(Added to NRS by 2023, 3453, effective March 31, 2024)
2023 Nevada Revised Statutes › Chapter 603A - Security and Privacy of Personal Information › NRS 603A.425 - Consumer" defined. [Effective March 31, 2024.]

"Consumer" means a natural person who has requested a product or service from a regulated entity and who resides in this State or whose consumer health data is collected in this State. The term does not include a natural person acting in an employment context or as an agent of a governmental entity.
(Added to NRS by 2023, 3453, effective March 31, 2024)
2023 Nevada Revised Statutes › Chapter 603A - Security and Privacy of Personal Information › NRS 603A.430 - Consumer health data" defined. [Effective March 31, 2024.]

"Consumer health data" means personally identifiable information that is linked or reasonably capable of being linked to a consumer and that a regulated entity uses to identify the past, present or future health status of the consumer. The term:
1. Includes, without limitation:
(a) Information relating to:
(1) Any health condition or status, disease or diagnosis;
(2) Social, psychological, behavioral or medical interventions;
(3) Surgeries or other health-related procedures;
(4) The use or acquisition of medication;
(5) Bodily functions, vital signs or symptoms;
(6) Reproductive or sexual health care; and
(7) Gender-affirming care;
(b) Biometric data or genetic data related to information described in paragraph (a);
(c) Information related to the precise geolocation information of a consumer that a regulated entity uses to indicate an attempt by a consumer to receive health care services or products; and
(d) Any information described in paragraph (a), (b) or (c) that is derived or extrapolated from information that is not consumer health data, including, without limitation, proxy, derivative, inferred or emergent data derived through an algorithm, machine learning or any other means.
2. Does not include information that is used to:
(a) Provide access to or enable gameplay by a person on a video game platform; or
(b) Identify the shopping habits or interests of a consumer, if that information is not used to identify the specific past, present or future health status of the consumer.
(Added to NRS by 2023, 3453, effective March 31, 2024)
2023 Nevada Revised Statutes › Chapter 603A - Security and Privacy of Personal Information › NRS 603A.435 - Gender-affirming care" defined. [Effective March 31, 2024.]

"Gender-affirming care" means health services or products that support and affirm the gender identity of a person, including, without limitation:
1. Treatments for gender dysphoria;
2. Gender-affirming hormone therapy; and
3. Gender-affirming surgery.
(Added to NRS by 2023, 3454, effective March 31, 2024)
2023 Nevada Revised Statutes › Chapter 603A - Security and Privacy of Personal Information › NRS 603A.440 - Genetic data" defined. [Effective March 31, 2024.]

"Genetic data" means any data that concerns the genetic characteristics of a person. The term includes, without limitation:
1. Data directly resulting from the sequencing of all or a portion of the deoxyribonucleic acid of a person;
2. Genotypic and phenotypic information that results from analyzing the information described in subsection 1; and
3. Data concerning the health of a person that is analyzed in connection with the information described in subsection 1.
(Added to NRS by 2023, 3454, effective March 31, 2024)
2023 Nevada Revised Statutes › Chapter 603A - Security and Privacy of Personal Information › NRS 603A.445 - Health care services or products" defined. [Effective March 31, 2024.]

"Health care services or products" means any service or product provided to a person to assess, measure, improve or learn about the health of a person. The term includes, without limitation:
1. Services relating to any health condition or status, disease or diagnosis;
2. Social, psychological, behavioral or medical interventions;
3. Surgeries or other health-related procedures;
4. Medication or services related to the use or acquisition of medication; or
5. Monitoring or measurement related to bodily functions, vital signs or symptoms.
(Added to NRS by 2023, 3454, effective March 31, 2024)
2023 Nevada Revised Statutes › Chapter 603A - Security and Privacy of Personal Information › NRS 603A.450 - Precise geolocation information" defined. [Effective March 31, 2024.]

"Precise geolocation information" means information derived from technology, including, without limitation, latitude and longitude coordinates at the level of detail typically provided by a global positioning system, that directly identifies the specific location of a natural person with precision and accuracy within a radius of 1,750 feet. The term does not include:
1. The content of any communication; or
2. Any data generated by or connected to advanced metering infrastructure for utilities or other equipment used by a utility.
(Added to NRS by 2023, 3454, effective March 31, 2024)
2023 Nevada Revised Statutes › Chapter 603A - Security and Privacy of Personal Information › NRS 603A.465 - Regulated entity" defined. [Effective March 31, 2024.]

"Regulated entity" means any person who:
1. Conducts business in this State or produces or provides products or services that are targeted to consumers in this State; and
2. Alone or with other persons, determines the purpose and means of processing, sharing or selling consumer health data.
(Added to NRS by 2023, 3454, effective March 31, 2024)
2023 Nevada Revised Statutes › Chapter 603A - Security and Privacy of Personal Information › NRS 603A.470 - Reproductive or sexual health care" defined. [Effective March 31, 2024.]

"Reproductive or sexual health care" means health care services or products that support or relate to the reproductive system or sexual well-being of a person. The term includes, without limitation, abortion, the provision of medication to induce an abortion and any medical or nonmedical services associated with an abortion.
(Added to NRS by 2023, 3454, effective March 31, 2024)
2023 Nevada Revised Statutes › Chapter 603A - Security and Privacy of Personal Information › NRS 603A.475 - Sell" defined. [Effective March 31, 2024.]

"Sell" means to exchange consumer health data for money or other valuable consideration. The term does not include the exchange of consumer health data for money or other valuable consideration:
1. With a processor in a manner consistent with the purpose for which the consumer health data was collected, as disclosed to the consumer to whom the consumer health data pertains pursuant to NRS 603A.500.
2. With a third party as an asset that is part of a merger, acquisition, bankruptcy or other transaction through which the third party assumes control of all or part of the assets of the regulated entity.
3. With a third party for the purpose of providing a product or service requested by the consumer to whom the consumer health data pertains.
4. With an affiliate of the person who is providing or disclosing the consumer health data.
5. As directed by the consumer to whom the consumer health data pertains or where the consumer to whom the consumer health data pertains intentionally uses the person who is providing or disclosing the consumer health data to interact with the third party to whom the consumer health data is provided or disclosed.
6. Where the consumer has intentionally made the consumer health data available to the general public through mass media that was not restricted to a specific audience.
(Added to NRS by 2023, 3455, effective March 31, 2024)
2023 Nevada Revised Statutes › Chapter 603A - Security and Privacy of Personal Information › NRS 603A.480 - Share" defined. [Effective March 31, 2024.]

"Share" means to release, disclose, disseminate, divulge, make available, provide access to, license or otherwise communicate consumer health data orally, in writing or by electronic or other means.
(Added to NRS by 2023, 3455, effective March 31, 2024)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.010 - Definitions.

As used in this chapter, unless the context otherwise requires, the words and terms defined in NRS 604A.015 to 604A.125, inclusive, have the meanings ascribed to them in those sections.
(Added to NRS by 2005, 1683; A 2007, 931; 2019, 944; 2021, 2049)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.015 - "Automated loan machine" defined.

1. "Automated loan machine" means any machine or other device, regardless of the name given to it or the technology used, that:
(a) Is automated;
(b) Is designed or intended to allow a customer, without any additional assistance from another person, to receive or attempt to receive a deferred deposit loan or high-interest loan through the machine or other device; and
(c) Is set up, installed, operated or maintained by or on behalf of the person making the loan or any agent, affiliate or subsidiary of the person.
2. The term does not include any machine or other device used directly by a customer to access the Internet unless the machine or other device is made available to the customer by the person making the loan or any agent, affiliate or subsidiary of the person.
(Added to NRS by 2005, 1683; A 2007, 931)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.025 - "Check" defined.

1. "Check" means:
(a) A draft, other than a documentary draft, payable on demand and drawn on a bank; or
(b) A cashier’s check or teller’s check.
2. An instrument may be a check even though it is described on its face by another term, such as "money order."
(Added to NRS by 2005, 1684)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.030 - "Check-cashing service" defined.

"Check-cashing service" means any person engaged in the business of cashing checks for a fee, service charge or other consideration.
(Added to NRS by 2005, 1684)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.036 - "Consumer credit" defined.

"Consumer credit" means a loan made to a natural person to finance the purchase of goods that directly satisfy human wants or to defray personal or family expenses, not including:
1. A residential mortgage; or
2. A loan procured in the course of purchasing a car or other personal property, when that loan is offered for the express purpose of financing the purchase and is secured by the car or personal property procured.
(Added to NRS by 2019, 940)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.038 - "Covered service member" defined.

"Covered service member" means a member of the Armed Forces of the United States who is:
1. On active duty under a call or order to deploy with a military unit, or as an individual in support of a military operation, for a period of not less than 30 days; or
2. A member of the National Guard and Reserve on active duty orders.
(Added to NRS by 2019, 940)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.040 - Customer" defined.

"Customer" means any person who receives or attempts to receive check-cashing services, deferred deposit loan services, high-interest loan services or title loan services from another person.
(Added to NRS by 2005, 1684; A 2007, 932)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.045 - "Default" defined.

1. "Default" means the failure of a customer to:
(a) Make a scheduled payment on a loan on or before the due date for the payment under the terms of a lawful loan agreement that complies with the provisions of NRS 604A.501, subsection 2 of NRS 604A.5029, NRS 604A.5037, subsection 2 of NRS 604A.5057 or NRS 604A.5074, as applicable, and any grace period that complies with the provisions of NRS 604A.210; or
(b) Pay a loan in full on or before the expiration of the loan period as set forth in a lawful loan agreement that complies with the provisions of NRS 604A.501, subsection 2 of NRS 604A.5029, NRS 604A.5037, subsection 2 of NRS 604A.5057 or NRS 604A.5074, as applicable, and any grace period that complies with the provisions of NRS 604A.210.
2. A default occurs on the day immediately following the date of the customer’s failure to perform as described in subsection 1.
(Added to NRS by 2005, 1684; A 2017, 1439)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.050 - "Deferred deposit loan" defined.

"Deferred deposit loan" means a transaction in which, pursuant to a loan agreement:
1. A customer tenders to another person:
(a) A personal check drawn upon the account of the customer; or
(b) Written authorization for an electronic transfer of money for a specified amount from the account of the customer; and
2. The other person:
(a) Provides to the customer an amount of money that is equal to the face value of the check or the amount specified in the written authorization for an electronic transfer of money, less any fee charged for the transaction; and
(b) Agrees, for a specified period, not to cash the check or execute an electronic transfer of money for the amount specified in the written authorization.
(Added to NRS by 2005, 1684)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.055 - "Deferred deposit loan service" defined.

"Deferred deposit loan service" means any person engaged in the business of making deferred deposit loans for a fee, service charge or other consideration.
(Added to NRS by 2005, 1684)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.057 - "Dependent" defined.

"Dependent" means:
1. The spouse of a covered service member;
2. A child of a covered service member who:
(a) Is less than 21 years of age;
(b) Is less than 23 years of age and is enrolled in a full-time course of study at an institution of higher learning and is in fact dependent on the covered service member for over one-half of the child’s support; or
(c) Is incapable of self-support because of a mental or physical incapacity that occurred while the child was a person described by paragraph (a) or (b);
3. A parent or parent-in-law of a covered service member who is in fact dependent on the covered service member for over one-half of his or her support and who resides in the household of the covered service member;
4. An unmarried person who:
(a) Is placed in the legal custody of the covered service member as a result of an order of a court of competent jurisdiction for a period of at least 12 consecutive months;
(b) Is:
(1) Less than 21 years of age;
(2) Less than 23 years of age and is enrolled in a full-time course of study at an institution of higher learning and is in fact dependent on the covered service member for over one-half of the person’s support; or
(3) Incapable of self-support because of a mental or physical incapacity that occurred while the person was a person described by subparagraph (1) or (2);
(c) Is dependent on the covered service member for over one-half of the person’s support;
(d) Resides with the covered service member unless separated by the necessity of military service or to receive institutional care as a result of disability or incapacitation or under such other circumstances as the Commissioner may prescribe; and
(e) Is not a dependent of a covered service member under subsection 1, 2 or 3.
(Added to NRS by 2019, 941)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.060 - "Electronic transfer of money" defined.

"Electronic transfer of money" means any transfer of money, other than a transaction initiated by a check or other similar instrument, that is initiated through an electronic terminal, telephone, computer or magnetic tape for the purpose of ordering, instructing or authorizing a financial institution to debit or credit an account.
(Added to NRS by 2005, 1684)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.065 - "Extension" defined.

1. "Extension" means any extension or rollover of a loan beyond the date on which the loan is required to be paid in full under the original terms of the loan agreement, regardless of the name given to the extension or rollover.
2. The term does not include a grace period.
(Added to NRS by 2005, 1685)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.070 - "Grace period" defined.

1. "Grace period" means any period of deferment offered gratuitously by a licensee to a customer if the licensee complies with the provisions of NRS 604A.210.
2. The term does not include an extension of a loan that complies with the provisions of NRS 604A.501, subsection 2 of NRS 604A.5029, NRS 604A.5037, subsection 2 of NRS 604A.5057 or NRS 604A.5074, as applicable.
(Added to NRS by 2005, 1685; A 2017, 1439)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.0703 - "High-interest loan" defined.

1. "High-interest loan" means a loan made to a customer pursuant to a loan agreement which, under its original terms, charges an annual percentage rate of more than 40 percent.
2. The term includes, without limitation, any single-payment loan, installment loan, open-ended loan or contract for the lease of an animal for a purpose other than a business, commercial or agricultural purpose which, under the original terms of the loan or contract, charges an annual percentage rate of more than 40 percent.
3. The term does not include:
(a) A deferred deposit loan;
(b) A refund anticipation loan; or
(c) A title loan.
(Added to NRS by 2007, 930; A 2017, 1439)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.0705 - "High-interest loan service" defined.

"High-interest loan service" means any person engaged in the business of providing high-interest loans for a fee, service charge or other consideration.
(Added to NRS by 2007, 930)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.075 - "Licensee" defined.

"Licensee" means any person who has been issued one or more licenses to operate a check-cashing service, deferred deposit loan service, high-interest loan service or title loan service pursuant to the provisions of this chapter.
(Added to NRS by 2005, 1685; A 2007, 932)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.080 - "Loan" defined.

"Loan" means any deferred deposit loan, high-interest loan or title loan, or any extension or repayment plan relating to such a loan, made at any location or through any method, including, without limitation, at a kiosk, through the Internet, through any telephone, facsimile machine or other telecommunication device or through any other machine, network, system, device or means.
(Added to NRS by 2005, 1685; A 2007, 932)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.083 - "Nationwide Multistate Licensing System and Registry" or "Registry" defined.

"Nationwide Multistate Licensing System and Registry" or "Registry" means a multistate licensing system developed by the Conference of State Bank Supervisors and the American Association of Residential Mortgage Regulators and operated by the State Regulatory Registry, LLC, for the licensing and registration of non-depository financial service entities by participating state agencies, or any successor to the Nationwide Multistate Licensing System and Registry.
(Added to NRS by 2021, 2046)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.085 - "Refund anticipation loan" defined.

"Refund anticipation loan" means a loan offered or made to a taxpayer by a lender or through a facilitator based on the taxpayer’s anticipated federal income tax refund.
(Added to NRS by 2005, 1685)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.090 - "Regulation Z" defined.

"Regulation Z" means the federal regulations, as amended, 12 C.F.R. Part 226, adopted pursuant to the Truth in Lending Act and commonly known as Regulation Z.
(Added to NRS by 2005, 1685)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.105 - "Title loan" defined.

1. "Title loan" means a loan made to a customer pursuant to a loan agreement which, under its original terms:
(a) Charges an annual percentage rate of more than 35 percent; and
(b) Requires the customer to secure the loan by either:
(1) Giving possession of the title to a vehicle legally owned by the customer to the licensee or any agent, affiliate or subsidiary of the licensee; or
(2) Perfecting a security interest in the vehicle by having the name of the licensee or any agent, affiliate or subsidiary of the licensee noted on the title as a lienholder.
2. The term does not include a loan which creates a purchase-money security interest in a vehicle or the refinancing of any such loan.
(Added to NRS by 2005, 1685; A 2007, 932)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.115 - "Title to a vehicle" or "title" defined.

"Title to a vehicle" or "title" means a certificate of title or ownership issued pursuant to the laws of this State that identifies the legal owner of a vehicle or any similar document issued pursuant to the laws of another jurisdiction.
(Added to NRS by 2005, 1686)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.120 - "Truth in Lending Act" defined.

"Truth in Lending Act" means the federal Truth in Lending Act, as amended, 15 U.S.C. §§ 1601 et seq.
(Added to NRS by 2005, 1686)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.125 - "Vehicle" defined.

1. "Vehicle" means any vehicle, whether or not self-propelled, that is designed or intended for land transportation if the legal owner of the vehicle is required to have a title.
2. The term includes, without limitation:
(a) Passenger vehicles;
(b) Recreational vehicles; and
(c) House trailers and travel trailers.
3. The term does not include:
(a) Farm vehicles;
(b) Vehicles of a common or contract carrier;
(c) Commercial vehicles;
(d) Construction vehicles;
(e) Military vehicles;
(f) Vehicles used exclusively upon stationary rails or tracks; or
(g) Any other vehicles which are similar in nature to the vehicles listed in paragraphs (a) to (f), inclusive, and which the Commissioner, by regulation, excludes from the definition of "vehicle."
(Added to NRS by 2005, 1686)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.150 - Additional terms defined under federal law; calculation of amount financed, annual percentage rate and finance charge.

1. As used in this chapter, unless the context otherwise requires, the following terms have the meanings ascribed to them in the Truth in Lending Act and Regulation Z:
(a) "Amount financed."
(b) "Annual percentage rate."
(c) "Finance charge."
(d) "Payment schedule."
(e) "Total of payments."
2. For the purposes of this chapter, proper calculation of the amount financed, annual percentage rate and finance charge for a loan must be made in accordance with the Truth in Lending Act and Regulation Z.
(Added to NRS by 2005, 1686)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.200 - Application of chapter to persons who seek to evade its provisions.

The provisions of this chapter apply to any person who seeks to evade its application by any device, subterfuge or pretense, including, without limitation:
1. Calling a loan by any other name;
2. Using any agents, affiliates or subsidiaries in an attempt to avoid the application of the provisions of this chapter; or
3. Having any affiliation or other business arrangement with an entity that is exempt from the provisions of this chapter pursuant to subsection 1 of NRS 604A.250, the effect of which is to evade the provisions of this chapter, including, without limitation, making a loan while purporting to be the agent of such an exempt entity where the purported agent holds, acquires or maintains a preponderant economic interest in the revenues generated by the loan.
(Added to NRS by 2005, 1686; A 2007, 932)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.210 - Chapter does not prohibit licensee from offering customer grace period; restrictions.

1. The provisions of this chapter do not prohibit a licensee from offering a customer a grace period on the repayment of a loan or an extension of a loan, except that the licensee shall not grant a grace period for the purpose of artificially increasing the amount which a customer would otherwise qualify to borrow.
2. Except in compliance with the provisions of NRS 604A.501, subsection 2 of NRS 604A.5029, NRS 604A.5037, subsection 2 of NRS 604A.5057 or NRS 604A.5074, where they apply, a licensee shall not:
(a) Condition the granting of the grace period on the customer making any new loan agreement or adding any addendum or term to an existing loan agreement; or
(b) Charge the customer interest at a rate in excess of that described in the existing loan agreement.
(Added to NRS by 2005, 1686; A 2017, 1439)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.220 - Uniformity of application and construction; resolution of conflicts.

1. The provisions of this chapter must be interpreted so as to effectuate their general purpose to provide for, to the extent practicable, uniform regulation of the loans and transactions that are subject to the provisions of this chapter.
2. If there is a conflict between the provisions of this chapter and the provisions of any other general law regulating loans and similar transactions, the provisions of this chapter control.
(Added to NRS by 2005, 1686)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.230 - Effect of amendment or repeal of chapter on preexisting lawful contracts.

This chapter or any part thereof may be modified, amended or repealed by the Legislature so as to effect a cancellation or alteration of any license or right of a licensee under this chapter, provided that such cancellation or alteration shall not impair or affect the obligation of any preexisting lawful loan agreement between any licensee and any customer.
(Added to NRS by 2005, 1687)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.240 - Collection of loans made outside State.

Any loan lawfully made outside this State as permitted by the laws of the state in which the loan was made may be collected or otherwise enforced in this State in accordance with its terms.
(Added to NRS by 2005, 1687)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.260 - Applicability of provisions of chapter governing enforcement or collection of obligations originated under chapter.

All provisions of this chapter governing enforcement or collection of an obligation originated under this chapter apply to:
1. Any purchaser or assignee of the obligation; and
2. Any person seeking to enforce or collect the obligation on behalf of a licensee.
(Added to NRS by 2007, 931)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.300 - Regulations.

1. The Commissioner may establish by regulation the fees that a licensee who provides check-cashing services may impose for cashing checks.
2. The Commissioner shall adopt:
(a) Regulations to administer, carry out and enforce the provisions of NRS 604A.5983, 604A.5985 and 604A.5987.
(b) Any other regulations as are necessary to carry out the provisions of this chapter.
(Added to NRS by 2005, 1688; A 2019, 944)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.305 - Authority to inform public of certain information relating to licensees offering services through Internet website.

1. To the extent of available funding, the Department of Business and Industry and the Bureau of Consumer Protection in the Office of the Attorney General may use reasonable means to inform the public that, pursuant to NRS 604A.579, 604A.589 and 604A.598, a person who offers deferred deposit loan services, high-interest loan services or title loan services through an Internet website to customers in this State must be licensed to perform such services pursuant to this chapter and must comply with any state or federal law or regulation applicable to this State.
2. As used in this section, "reasonable means" includes, without limitation, advertising through any medium, including, without limitation, radio, television, Internet, banner ads, social media, public service announcements, community education, publishing and such other means of distributing information as are reasonably calculated to inform the public of the information set forth in subsection 1.
(Added to NRS by 2019, 943)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.310 - Certain relationships between officers and employees of Division of Financial Institutions and licensees prohibited; duty to terminate prohibited relationships.

1. Except as otherwise provided in subsection 3, an officer or employee of the Division of Financial Institutions of the Department of Business and Industry shall not:
(a) Be directly or indirectly interested in or act on behalf of any licensee;
(b) Receive, directly or indirectly, any payment from any licensee;
(c) Be indebted to any licensee;
(d) Engage in the negotiation of loans for others with any licensee; or
(e) Obtain credit or services from a licensee conditioned upon a fraudulent practice or undue or unfair preference over other customers.
2. An employee of the Division of Financial Institutions in the unclassified service of the State shall not obtain new extensions of credit from a licensee while in office.
3. Any officer or employee of the Division of Financial Institutions may be indebted to a licensee on the same terms as are available to the public generally.
4. If an officer or employee of the Division of Financial Institutions has a service, a preferred consideration, an interest or a relationship prohibited by this section at the time of his or her appointment or employment, or obtains it during his or her employment, he or she shall terminate it within 120 days after the date of his or her appointment or employment or the discovery of the prohibited act.
(Added to NRS by 2005, 1705)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.315 - Commissioner required to investigate alleged violations of chapter.

If the Commissioner receives information from a registered agent pursuant to NRS 77.410 which indicates that a person may be violating the provisions of this chapter, the Commissioner shall investigate the person and take any appropriate action pursuant thereto.
(Added to NRS by 2007, 2721)—(Substituted in revision for NRS 604A.402)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.400 - Operation of check-cashing service, deferred deposit loan service, high-interest loan service or title loan service without license prohibited; operation of deferred deposit loan service or high-interest loan service through automated loan machine prohibited; criminal penalties.

1. A person, including, without limitation, a person licensed pursuant to chapter 675 of NRS, shall not operate a check-cashing service, deferred deposit loan service, high-interest loan service or title loan service unless the person is licensed with the Commissioner pursuant to the provisions of this chapter.
2. A person must have a license regardless of the location or method that the person uses to operate such a service, including, without limitation, at a kiosk, through the Internet, through any telephone, facsimile machine or other telecommunication device or through any other machine, network, system, device or means, except that the person shall not operate such a service through any automated loan machine in violation of the provisions of subsection 3.
3. A person shall not operate a deferred deposit loan service or high-interest loan service through any automated loan machine, and the Commissioner shall not issue a license that authorizes the licensee to conduct business through any automated loan machine.
4. Any person, and any member, officer, director, agent or employee thereof, who violates or participates in the violation of any provision of this section is guilty of a misdemeanor.
(Added to NRS by 2005, 1688; A 2005, 22nd Special Session, 97; 2007, 934)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.405 - Required notices and disclosures; regulations.

1. A licensee shall post in a conspicuous place in every location at which the licensee conducts business under his or her license:
(a) A notice that states the fees the licensee charges for providing check-cashing services, deferred deposit loan services, high-interest loan services or title loan services.
(b) A notice that states that if the customer defaults on a loan, the licensee must offer a repayment plan to the customer before the licensee commences any civil action or process of alternative dispute resolution or repossesses a vehicle.
(c) A notice that states a toll-free telephone number to the Office of the Commissioner to handle concerns or complaints of customers.
(d) A notice that states the process for filing a complaint with the Commissioner.
The Commissioner shall adopt regulations prescribing the form and size of the notices required by this subsection.
2. If a licensee offers loans to customers at a kiosk, through the Internet, through any telephone, facsimile machine or other telecommunication device or through any other machine, network, system, device or means, except for an automated loan machine prohibited by NRS 604A.400, the licensee shall, as appropriate to the location or method for making the loan, post in a conspicuous place where customers will see it before they enter into a loan, or disclose in an open and obvious manner to customers before they enter into a loan, a notice that states:
(a) The types of loans the licensee offers and the fees he or she charges for making each type of loan; and
(b) A list of the states where the licensee is licensed or authorized to conduct business from outside this State with customers located in this State.
3. A licensee who provides check-cashing services shall give written notice to each customer of the fees he or she charges for cashing checks. The customer must sign the notice before the licensee provides the check-cashing service.
(Added to NRS by 2005, 1688; A 2007, 934; 2017, 1440)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.501 - Limitations on original term.

1. Except as otherwise provided in this chapter, the original term of a deferred deposit loan must not exceed 35 days.
2. Notwithstanding the provisions of NRS 604A.5029, a licensee who operates a deferred deposit loan service shall not agree to establish or extend the period for the repayment, renewal, refinancing or consolidation of an outstanding deferred deposit loan for a period that exceeds 90 days after the date of origination of the loan.
(Added to NRS by 2007, 931; A 2017, 1440)—(Substituted in revision for part of NRS 604A.408)
2023 Nevada Revised Statutes › Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services › NRS 604A.5011 - Licensee required to make determination of ability of customer to repay loan and compliance of loan with certain requirements before making loan.

1. A licensee who operates a deferred deposit loan service shall not make a deferred deposit loan pursuant to this chapter unless the licensee determines pursuant to subsection 2 that the customer has the ability to repay the deferred deposit loan and that the deferred deposit loan complies with the provisions of NRS 604A.5017 or subsection 2 of NRS 604A.5029, as applicable.
2. For the purposes of subsection 1, a customer has the ability to repay a deferred deposit loan if the customer has a reasonable ability to repay the deferred deposit loan, as determined by the licensee after considering, to the extent available, the following underwriting factors:
(a) The current or reasonably expected income of the customer;
(b) The current employment status of the customer based on evidence including, without limitation, a pay stub or bank deposit;
(c) The credit history of the customer;
(d) The amount due under the original term of the deferred deposit loan, the monthly payment on the deferred deposit loan, if the deferred deposit loan is an installment loan, or the potential repayment plan if the customer defaults on the deferred deposit loan; and
(e) Other evidence, including, without limitation, bank statements, electronic bank statements and written representations to the licensee.
3. For the purposes of subsection 1, a licensee who operates a deferred deposit loan service shall not consider the ability of any person other than the customer to repay the deferred deposit loan.
(Added to NRS by 2017, 1438)