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NRS 676A.010 - Short title. - This chapter may be cited as the Uniform Debt-Management Services...
NRS 676A.020 - Definitions. - As used in this chapter, unless the context otherwise requires,...
NRS 676A.030 - "Affiliate" defined. - "Affiliate" means: 1. With respect to an individual: (a) The...
NRS 676A.040 - "Agreement" defined. - "Agreement" means an agreement between a provider and an individual...
NRS 676A.050 - "Bank" defined. - "Bank" means a financial institution, including, without limitation, a commercial...
NRS 676A.060 - "Business address" defined. - "Business address" means the physical location of a business, including,...
NRS 676A.070 - "Certified counselor" defined. - "Certified counselor" means an individual certified by a training program...
NRS 676A.080 - "Certified debt specialist" defined. - "Certified debt specialist" means an individual certified by a training...
NRS 676A.090 - "Commissioner" defined. - "Commissioner" means the Commissioner of Financial Institutions. (Added to NRS...
NRS 676A.100 - "Concessions" defined. - "Concessions" means assent to repayment of a debt on terms...
NRS 676A.110 - "Credit counseling" defined. - "Credit counseling" means providing education and assistance to an individual...
NRS 676A.120 - "Day" defined. - "Day" means calendar day. (Added to NRS by 2009, 1971)
NRS 676A.130 - "Debt-management plan" defined. - "Debt-management plan" means a plan which contemplates that: 1. Regular,...
NRS 676A.140 - "Debt-management services" defined. - "Debt-management services" means services as an intermediary between an individual...
NRS 676A.150 - "Debt settlement services" defined. - "Debt settlement services" means debt-management services which contemplate that: 1....
NRS 676A.160 - "Entity" defined. - "Entity" means a person other than an individual. (Added to...
NRS 676A.170 - "Good faith" defined. - "Good faith" means honesty in fact and the observance of...
NRS 676A.175 - "Nationwide Multistate Licensing System and Registry" or "Registry" defined. [Effective on the date on which the Commissioner of Financial Institutions notifies the Governor and the Director of the Legislative Counsel Bureau that the N... - "Nationwide Multistate Licensing System and Registry" or "Registry" has the...
NRS 676A.180 - "Person" defined. - "Person" means an individual, corporation, business trust, estate, trust, partnership,...
NRS 676A.190 - "Plan" defined. - "Plan" means a program or strategy in which a provider...
NRS 676A.200 - "Principal amount of the debt" defined. - "Principal amount of the debt" means the amount of a...
NRS 676A.210 - "Provider" defined. - "Provider" means a person that provides, offers to provide or...
NRS 676A.220 - "Record" defined. - "Record" means information which is inscribed on a tangible medium...
NRS 676A.230 - "Settlement fee" defined. - "Settlement fee" means a charge imposed on or paid by...
NRS 676A.240 - "Sign" defined. - "Sign" means, with present intent to authenticate or adopt a...
NRS 676A.250 - "State" defined. - "State" means a state of the United States, the District...
NRS 676A.260 - "Trust account" defined. - "Trust account" means an account held by a provider that...
NRS 676A.270 - Applicability. - 1. This chapter does not apply to an agreement with...
NRS 676A.280 - Uniformity of application and construction. - In applying and construing the Uniform Debt-Management Services Act, consideration...
NRS 676A.290 - Relation to Electronic Signatures in Global and National Commerce Act. - This chapter modifies, limits and supersedes the federal Electronic Signatures...
NRS 676A.300 - Registration required. - 1. Except as otherwise provided in subsection 2, a provider...
NRS 676A.310 - Application for registration: Form; contents; fee; bond; evidence of insurance. - 1. An application for registration as a provider must be...
NRS 676A.320 - Application for registration: Additional contents. [Effective until the date on which the Commissioner of Financial Institutions notifies the Governor and the Director of the Legislative Counsel Bureau that the Nationwide Multistate Li... - An application for registration must be signed under oath and...
NRS 676A.330 - Duty to report changes in information. - An applicant or registered provider shall notify the Commissioner within...
NRS 676A.340 - Commissioner to make certain information available; certain information confidential. [Effective until the date on which the Commissioner of Financial Institutions notifies the Governor and the Director of the Legislative Counsel Burea... - 1. Except as otherwise provided in subsection 2, the Commissioner...
NRS 676A.350 - Issuance of certificate of registration; temporary certificate of registration; grounds for denial of registration. [Effective until the date on which the Commissioner of Financial Institutions notifies the Governor and the Director of... - 1. Except as otherwise provided in subsections 3 and 4,...
NRS 676A.360 - Commissioner to approve or deny registration within certain period; extension to obtain additional information; appeal of denial; period of validity of registration. [Effective until the date on which the Commissioner of Financial Inst... - 1. The Commissioner shall approve or deny an initial registration...
NRS 676A.370 - Renewal of registration: Application; form; contents; fees; disclosure; denial. [Effective until the date on which the Commissioner of Financial Institutions notifies the Governor and the Director of the Legislative Counsel Bureau that... - 1. A provider must obtain a renewal of its registration...
NRS 676A.380 - Alternative application for registration for applicants licensed or certified in another state; conditions. - If a provider holds a license or certificate of registration...
NRS 676A.390 - Surety bond required. - 1. Except as otherwise provided in NRS 676A.400, a provider...
NRS 676A.400 - Substitute for surety bond. - 1. Instead of the surety bond required by NRS 676A.390,...
NRS 676A.410 - Commissioner authorized to take action to participate in Registry; charges for use; regulations; provisions do not replace or affect authority of Commissioner regarding registration. [Effective on the date on which the Commissioner of... - 1. The Commissioner may, in furtherance of his or her...
NRS 676A.420 - Submission and processing of fingerprints. [Effective on the date on which the Commissioner of Financial Institutions notifies the Governor and the Director of the Legislative Counsel Bureau that the Nationwide Multistate Licensing Sys... - 1. The Commissioner may require an applicant for or holder...
NRS 676A.430 - Commissioner required to report certain information or material to Registry; confidentiality of information or material provided; Commissioner authorized to enter into certain agreements and arrangements. [Effective on the date on whic... - 1. Subject to any limitations or restrictions contained in federal...
NRS 676A.440 - Additional materials required to be submitted to Registry. [Effective on the date on which the Commissioner of Financial Institutions notifies the Governor and the Director of the Legislative Counsel Bureau that the Nationwide Multista... - 1. In addition to any other requirements set forth by...
NRS 676A.450 - Holder of certificate to register and maintain unique identifier; Commissioner authorized to issue certificate through Registry; references to Commissioner deemed references to Registry. [Effective on the date on which the Commissioner... - 1. Each holder of a certificate of registration shall register...
NRS 676A.500 - Provider to act in good faith; fiduciary duty. - 1. A provider shall act in good faith in all...
NRS 676A.510 - Provider to maintain toll-free communication system. - A provider that is required to be registered under this...
NRS 676A.520 - Duties of provider before providing debt-management services. - 1. Before providing debt-management services, a registered provider shall give...
NRS 676A.530 - Required disclosures and materials: Use of Internet; form; written copy provided on request; disclosures on website; termination of electronic communication; termination of agreement. - 1. A provider may satisfy the requirements of NRS 676A.520,...
NRS 676A.540 - Agreement: Contents; required provisions; prohibited provisions; provisions void if contrary to certain requirements. - 1. An agreement must: (a) Be in a record; (b)...
NRS 676A.550 - Cancellation of agreement. - 1. An individual may cancel an agreement before midnight of...
NRS 676A.560 - Disclosures and documents to be in English; provider also must furnish translation if language other than English is used in communications. - Unless the Commissioner, by regulation, provides otherwise, the disclosures and...
NRS 676A.570 - Money paid to provider to be held in trust; requirements concerning trust accounts and money held in trust; accounting; prompt refund on termination of agreement. - 1. All money paid to a provider by or on...
NRS 676A.580 - Fees or charges: Restrictions. - 1. A provider may not impose directly or indirectly a...
NRS 676A.590 - Voluntary contributions: Restrictions. - A provider may not solicit a voluntary contribution from an...
NRS 676A.600 - Required disclosures by provider. - 1. If the agreements of a provider contemplate that the...
NRS 676A.610 - Agreement voidable by individual in certain circumstances. - 1. If a provider imposes a fee or other charge...
NRS 676A.620 - Provider may terminate agreement for nonpayment. - 1. If an individual who has entered into an agreement...
NRS 676A.630 - Provider to provide accounting periodically and upon request; retention of records. - 1. If an agreement contemplates that a provider will develop...
NRS 676A.700 - Prohibited acts. - 1. A provider may not, directly or indirectly: (a) Misappropriate...
NRS 676A.710 - Provider to notify Commissioner of civil actions. - Not later than 30 days after a provider has been...
NRS 676A.720 - Provider liable for conduct of person to whom it delegates duties. - If a provider delegates any of its duties or obligations...
NRS 676A.730 - Powers of Commissioner: Enforcement; investigation; regulations; fees; cooperative agreements. - 1. The Commissioner may act on his or her own...
NRS 676A.740 - Commissioner to enforce chapter; penalties. - 1. The Commissioner may enforce this chapter and regulations adopted...
NRS 676A.750 - Suspension, revocation or denial of renewal of registration by Commissioner. - 1. The Commissioner may suspend, revoke or deny renewal of...
NRS 676A.760 - Civil remedies. - 1. If an individual voids an agreement pursuant to subsection...
NRS 676A.770 - Violation constitutes deceptive trade practice. - 1. A violation of a provision of this chapter constitutes...
NRS 676A.780 - Statute of limitations for certain actions. - 1. An action or proceeding brought pursuant to subsection 1,...