Title 55

NRS 676A.580 Fees or charges: Restrictions. 1. A provider may not impose directly or indirectly a fee or other charge on an individual or receive money from or on behalf of an individual for debt-management services except as permitted by this section. 2. A provider may not impos…

NRS 676A.590 Voluntary contributions: Restrictions. A provider may not solicit a voluntary contribution from an individual or an affiliate of the individual for any service provided to the individual. A provider may accept voluntary contributions from an individual but, until 30 …

NRS 676A.600 Required disclosures by provider. 1. If the agreements of a provider contemplate that the provider will develop and implement a debt-management plan and the provider advertises debt-management services, it shall disclose, in an easily comprehensible manner, that usin…

NRS 676A.610 Agreement voidable by individual in certain circumstances. 1. If a provider imposes a fee or other charge or receives money or other payments not authorized by NRS 676A.580 or 676A.590, the individual may void the agreement and recover as provided in NRS 676A.760. 2.…

NRS 676A.620 Provider may terminate agreement for nonpayment. 1. If an individual who has entered into an agreement fails for 60 days to make payments required by the agreement, a provider may terminate the agreement. 2. If a provider or an individual terminates an agreement, the…

NRS 676A.630 Provider to provide accounting periodically and upon request; retention of records. 1. If an agreement contemplates that a provider will develop and implement a debt-management plan or provide debt settlement services, the provider shall provide the accounting requir…

NRS 676A.640 Provider compliance with federal regulations; provider to maintain information security program and notify Commissioner of notification events. 1. A provider shall comply with the requirements set forth in 16 C.F.R. Part 314. 2. In addition to complying with the requ…

NRS 676A.700 Prohibited acts. 1. A provider may not, directly or indirectly: (a) Misappropriate or misapply money held in trust; (b) Settle a debt on behalf of an individual for more than 50 percent of the outstanding amount of the debt owed a creditor, unless the individual asse…

NRS 676A.710 Provider to notify Commissioner of civil actions. Not later than 30 days after a provider has been served with notice of a civil action for violation of this chapter by or on behalf of an individual who resides in this State at either the time of an agreement or the …

NRS 676A.720 Provider liable for conduct of person to whom it delegates duties. If a provider delegates any of its duties or obligations under an agreement or this chapter to another person, including, without limitation, an independent contractor, the provider is liable for cond…

NRS 676A.730 Powers of Commissioner: Enforcement; investigation; regulations; fees; cooperative agreements. 1. The Commissioner may act on his or her own initiative or in response to complaints and may receive complaints, take action to obtain voluntary compliance with this chapt…

NRS 676A.740 Commissioner to enforce chapter; penalties. 1. The Commissioner may enforce this chapter and regulations adopted under this chapter by taking one or more of the following actions: (a) Ordering a provider or a director, employee or other agent of a provider to cease a…

NRS 676A.750 Suspension, revocation or denial of renewal of registration by Commissioner. 1. The Commissioner may suspend, revoke or deny renewal of a provider’s registration if: (a) A fact or condition exists that, if it had existed when the registrant applied for registration a…

NRS 676A.760 Civil remedies. 1. If an individual voids an agreement pursuant to subsection 2 of NRS 676A.610, the individual may recover in a civil action all money paid or deposited by or on behalf of the individual pursuant to the agreement, except amounts paid to creditors, in…

NRS 676A.770 Violation constitutes deceptive trade practice. 1. A violation of a provision of this chapter constitutes a deceptive trade practice for the purposes of NRS 598.0903 to 598.0999, inclusive. 2. If an act or practice of a provider violates both a provision of this chap…

NRS 676A.780 Statute of limitations for certain actions. 1. An action or proceeding brought pursuant to subsection 1, 2 or 3 of NRS 676A.740 must be commenced within 4 years after the conduct that is the basis of the Commissioner’s complaint. 2. An action brought pursuant to NRS …