This document, Chapter 5 of the Code of Maine Rules under the Department of Public Safety, pertains to the Gambling Control Board. It requires operators to adopt internal controls that meet or exceed the standards outlined in the Minimum Internal Control Standards (MICS) approved and adopted by the Board. The document incorporates the State of Maine Minimum Internal Control Standards (MICS) 2021 edition by reference. The MICS can be obtained from the Maine Dept.

These legal documents govern various aspects of fantasy contests and the regulation of fantasy contest operators in the state of Maine. Chapter 36 of the Code of Maine Rules outlines the license fee and renewal process for fantasy contest operators, including the submission of a one-time application fee of $1,000 and the determination of initial and renewal fees. Chapter 37 sets standards for fantasy contest operators, including the prohibition of proxy servers, the use of measures to detect the physical location of fantasy contestants, and guidelines for advertising and promotions.

This regulation, issued by the Bureau of Financial Institutions, provides the framework for state-chartered financial institutions and their subsidiaries, service corporations, and affiliates to engage in certain securities activities. The regulation aims to maintain competitive equality between federally-chartered and state-chartered institutions. It grants authority to the Superintendent to authorize these activities and ensures that traditional securities activities and investment advisory services offered by state-chartered financial institutions are not limited. The regulation defines key terms, authorizes specific activities, imposes restrictions and limitations, and requires prior approval for certain activities.

The provided legal document content covers a wide range of topics related to consumer credit protection in Maine. It includes rules and regulations governing the sale of insurance products by financial institutions and supervised lenders, calculation of garnishment on earnings, organization and administration of the Bureau of Consumer Credit Protection, enforcement policy guidelines for violations of the Maine Consumer Credit Code, dual coverage of insurance on credit transactions, disclosure and procedural requirements for student loan products, use of rate tables for calculating unearned interest on pre-computed transactions, adjustment of fees for funding enforcement of laws prohibiting predatory mortgage lending practices, registration and renewal requirements for collection agencies, continuing education requirements for loan officers, regulation of credit services organizations, conversion of supervised lender and loan broker licensing process to the Nationwide Mortgage Licensing System (NMLS), determination of reasonable, tangible net benefit in mortgage lending, harmonization of state and federal truth-in-lending laws, exemptions from payment schedules and deferral of payments for student loans, regulation of alternative mortgage transactions, registration and renewal requirements for check casher/currency exchangers, registration and renewal requirements for consumer reporting agencies, licensing and renewal requirements for debt collectors, licensing and renewal requirements for mortgage loan originators, and licensing and renewal requirements for money transmitters.

The provided legal document content covers various aspects of credit unions in West Virginia. It governs authorized investments, reserve funds, loan limits and collateral requirements, accounts, corporate credit unions, voluntary liquidation, merger and conversion, direction of credit union affairs, powers of credit unions, membership requirements and regulations, formation and operation of credit unions, and supervision and regulation of credit unions. The documents apply to credit unions, credit union officers, directors, employees, agents, members, beneficiaries, minors, incorporators, board of directors, supervisory committee, credit committee, loan officers, shareholders, and depositors.

The provided legal document content covers three main areas. Firstly, it governs the sales of checks and money orders, money transmission services, transportation, and currency exchange. It applies to individuals or entities engaged in currency exchange, transportation, or transmission as a service or for profit. The document provides definitions for various terms and exemptions for certain transactions. Secondly, it governs the provision of check cashing services by merchants primarily engaged in retail consumer sales.

The provided legal document content covers various aspects of the Uniform Commercial Code (UCC) in West Virginia. It includes the transition provisions and effective date of the UCC, the governance of secured transactions and sales of accounts and chattel paper, warehouse receipts, bills of lading, and other documents of title, letters of credit, funds transfers, bank deposits and collections, leases, contracts and agreements related to the sale of goods, and presentment, dishonor of notes and drafts, obligation of indorsers and drawers, excusal of presentment, discharge of obligations, and tender of payment related to negotiable instruments.

The West Virginia Consumer Credit and Protection Act governs consumer credit sales, consumer leases, and consumer loans in West Virginia. It applies to natural persons who incur debt or other obligations in these transactions. The act provides definitions for various terms used in the document and establishes the legal framework for consumer credit and protection in West Virginia. It governs the powers of persons making consumer credit sales and consumer loans, as well as others involved in consumer protection.

This legal document establishes the Compulsive Gambling Treatment Fund in West Virginia and outlines the requirements for treatment programs for compulsive gamblers. The fund is created as a separate special account and is appropriated from the Commission’s administrative expense account. The Department of Health and Human Resources is responsible for administering the grants and funds issued from the fund. The department is also tasked with developing criteria for treatment programs to become eligible for grants.

This provision outlines the license prohibitions under the West Virginia Lottery Sports Wagering Act. The commission is prohibited from granting a license if the applicant has made a false statement, has a suspended or revoked gambling license, has been convicted of a gambling-related offense or theft/fraud offense, or has been employed by an illegal or offshore book that serviced the United States. The commission may also deny a license if the applicant or licensee lacks financial responsibility, is not the true owner of the business, or sells a licensee’s assets without commission approval.