13.1
Registration; renewal: fees(a)
Each application for registration of a time-share plan or of an agent thereof
shall be made on a form furnished by the Arkansas Real Estate Commission and
shall be accompanied by the appropriate filing fee and evidence that a bond in
the amount shown below has been placed with a surety company, corporate bond
acceptable to the Commission or a cash bond with the Commission.
(b) Each registration shall be renewed
annually and shall be filed no later than June 1 beginning with the upcoming
renewal period beginning July 1. Such renewal shall be made on a form
prescribed by the Commission and accompanied by the appropriate fee.
(c) The following fees are established at the
amounts indicated:
(1) Time-share plan
registration fee - $750.00
(2)
Time-share plan annual renewal fee - $350.00
(3) Abbreviated registration application fee
- $500.00
(4) Abbreviated
registration renewal and recertification fee - $300
(5) Acquisition agent registration and
renewal fee - $150.00
(6) Principal
broker registration and renewal fee - $75.00
(7) Managing agent registration and renewal
fee - $75.00
(8) Exchange agent
registration and renewal fee - $75.00
(9) Material change fee - $150.00
(d) The following bond amounts are
established at the amounts indicated:
(1)
Developer's consolidated bond - $50,000
(2) Acquisition agent bond -
$10,000
(3) Principal broker bond -
$10,000
(4) Managing agent bond -
$10,000
13.2
Agents; amendment of registration.
(a) Each developer shall file with the
Commission the name, street address, mailing address, and telephone number of
each acquisition agent, managing agent, sales agent and exchange agent and the
responsible managing employee for each of said agents associated with each
time-share plan. Should any of the information contained in this list change,
then the developer shall notify the Commission of such change within two (2)
weeks of such change.
(b) A
developer shall amend or supplement its registration to report any material
change in the information required by Ark. Code Ann. §
18-14-204.
Such amendment or supplementation shall be made within forty-five (45) days of
the occurrence of the material change. "Material change" means any change which
alters the meaning or effect of an instrument or information, or any change
which affects the rights or liabilities of any time-share owner or any
potential time-share purchaser.
13.3
Fictitious name.
Each developer, acquisition agent, managing agent, sales agent
and exchange agent shall register with the Commission each fictitious name, if
any, under which that person conducts business. No person shall conduct
business which is regulated by the provisions of the Arkansas Time-Share Law
under any names other than those registered with the Commission.
13.4
Purchase contract;
cancellation notice; form, time, procedure.
(a) A purchaser may cancel any contract for
the purchase of a time-share interest from a developer within five (5) days
after execution of the contract. The purchaser's right to cancel a contract for
purchase shall not be waived.
(b)
The public offering statement shall be written in clear, plain and concise
language. There shall be attached to the front of the public offering statement
a notice in duplicate containing the following language in at least 10 point
boldface type:
"IMPORTANT NOTICE
I UNDERSTAND THAT IF I SIGN A CONTRACT FOR THE PURCHASE OF
A TIME-SHARE INTEREST I HAVE THE RIGHT TO CANCEL THE CONTRACT WITHIN FIVE (5)
DAYS AFTER SIGNING THE CONTRACT. I UNDERSTAND THAT CANCELLATION IS WITHOUT
PENALTY AND ALL PAYMENTS MADE BY ME BEFORE CANCELLATION SHOULD BE REFUNDED
WITHIN THIRTY (30) DAYS OF RECEIPT OF THE NOTICE OF CANCELLATION. IF THE FIFTH
DAY AFTER THE SIGNING OF THIS CONTRACT IS A SATURDAY, SUNDAY, OR LEGAL HOLIDAY
MY RIGHT TO CANCEL IS EXTENDED TO THE NEXT DAY WHICH IS NOT A SATURDAY, SUNDAY,
OR LEGAL HOLIDAY. I REALIZE THAT TO CANCEL THIS CONTRACT I MUST MAIL OR DELIVER
A WRITTEN NOTICE OF CANCELLATION TO (NAME OF DEVELOPER) AT (DEVELOPER'S
ADDRESS).
I UNDERSTAND THAT THE ARKANSAS REAL ESTATE COMMISSION
NEITHER RECOMMENDS NOR APPROVES THIS OR ANY OTHER TIMESHARE PLAN. I HEREBY
ACKNOWLEDGE RECEIPT OF THE ATTACHED PUBLIC OFFERING
STATEMENT.
(Purchaser's Signature)
DATE: "
The original executed notice shall be retained by the developer
and the duplicate copy shall be given to the purchaser. This notice shall
contain no other printing or writing thereon.
(c) There shall be included in each contract
for the purchase of a time-share interest immediately above the signature line
a notice containing the following language in print size larger than the other
provisions of the contract (excluding descriptive headings and titles) but no
less than 10 point boldface type:
"NOTICE TO PURCHASER
YOU HAVE THE RIGHT TO CANCEL THIS CONTRACT WITHIN FIVE (5)
DAYS AFTER YOU SIGN THE CONTRACT. FOR FURTHER INFORMATION, SEE "IMPORTANT
NOTICE" ATTACHED TO THE PUBLIC OFFERING STATEMENT."
(d) Should the fifth day after the execution
of the contract for purchase of a time-share interest be a Saturday, Sunday or
legal holiday, then the five (5) day cancellation period shall not expire until
the end of the next day which is not a Saturday, Sunday or legal holiday.
"Legal holiday" means any day designated as a holiday by the President or the
Congress of the United States or designated by the laws of this state.
Notice of cancellation shall be properly addressed with
sufficient postage prepaid to assure delivery and notice shall be deemed given
when postmarked by the United States Postal Service.
13.5
Record
maintenance.
Each developer shall assure that any records required to be
maintained pursuant to the Arkansas Time-Share Law or regulations promulgated
thereunder shall be maintained and made available to the Arkansas Real Estate
Commission upon request.
13.6
Records; developer and agent;
type, time.(a) Each developer shall
maintain complete records of each sale of any time-share interests in the
time-share plan. The records shall be maintained for three (3) years and shall
contain complete and detailed records of all escrow accounts required by
statute or otherwise maintained; complete records of each sale of any
time-share interests, including copies of sales contracts, closing statements,
credit disclosure information, executed copies of "Important Notice;" and any
other information necessary to make a complete record of each transaction
effected by the developer. These records shall be open to inspection by the
Arkansas Real Estate Commission.
(b) Each principal broker functioning
pursuant to the Real Estate License Law shall maintain complete records of each
transaction conducted by his/her firm. Each firm shall maintain signed copies
of all offers, signed copies of all closing statements, detailed records of all
escrow accounts required by statute or otherwise maintained, and any additional
documents as may be necessary to make a complete record of each transaction
effected by such firm. All such records shall be maintained for three (3) years
and shall be open to inspection by the Arkansas Real Estate
Commission.
(c) Each acquisition
agent shall maintain complete records of all advertising and/or promotional
materials used, names and addresses of all persons who receive prizes, other
than the names and addresses of persons who received the prize most frequently
awarded, the retail value of all prizes awarded and a statement of the odds of
winning each prize. These records shall be maintained for three (3) years
following the expiration date of the contest or gift offer and shall be open to
inspection by the Arkansas Real Estate Commission.
(d) Each managing agent shall maintain
complete records of all time-share plans managed by his/her firm. Each firm
shall maintain complete and detailed records of all maintenance fees collected
and the disbursement of these fees for repair and maintenance of the
accommodations. These records shall include copies of all contracts,
agreements, receipts and invoices, and any additional documents as may be
necessary to make a complete record of all financial transactions with regard
to the management of each accommodation. Each firm shall also maintain complete
records of any rental program operated for the benefit of owners of time-share
interests. These records shall be maintained for three (3) years and shall be
open to inspection by the Arkansas Real Estate Commission.
13.7
Advertising materials.
Advertising materialsused in this state shall be maintained for
three (3) years by the developer or agent using the materials.
13.8
Financial
statements.
Financial statements are required to be submitted to the
Commission under Ark. Code Ann. §
18-14-204(a).
The statements shall be in accordance with generally accepted accounting
principles and be issued by a certified public accountant who shall perform an
independent review or audit in accordance with the applicable standards of the
Financial Accounting Standards Board of the American Institute of Certified
Public accountants.
13.9
Promotional programs; prizes, odds.
(a) For any promotion, contest, sweepstakes
or other prize or gift offer (hereinafter referred to as "promotional program")
regarding a time-share plan registered in Arkansas, the developer or
acquisition agent or other principal party shall maintain for three (3) years a
full and complete description of the promotional program, including but not
limited to the following information:
(1) The
duration of the promotional program;
(2) A description of each prize or gift to be
awarded including the retail value of each prize or gift to be awarded and the
minimum number of each prize to be awarded;
(3) A copy of all advertising material to be
used;
(4) A statement of each
condition precedent to the receipt of any gift or prize;
(5) The formula used in computing the odds of
winning each prize or category of prizes, if such odds are less than one to
one.
(b) Any
representation of the odds of winning a prize or gift shall be stated in a
straightforward and easily comprehensible manner in whole numbers without the
use of decimal points or percentage signs.
(c) All materials which advertise a
promotional program shall prominently contain:
(1) A disclosure of the odds of winning, if
such odds are less than one to one;
(2) A disclosure that a "time-share" sales
presentation will be offered or required;
(3) A disclosure of the qualifications
necessary for participation in the promotional program;
(4) The description and retail value of the
prize or gift; and
(5) If the
promotional program involves the participation of other entities or developers,
the disclosure that the promotional program has multiple sponsors and is either
national, regional or statewide in scope, whichever is applicable.
(d) Within one (1) month of the
conclusion of any prize offer in which the odds of receiving the prize are less
than 1 to 1, the developer shall determine and maintain on record for three (3)
years the total number of offers made and the total number of winning numbers
distributed by prize category.
(e)
Within one (1) month of the conclusion of any contest, the developer shall
compile and record a list of the names and addresses of each person who
received each prize, other than the prize most frequently awarded. The list
shall identify the prize received by each person.
(f) All records and documents required by
this subsection are subject to the review of the Arkansas Real Estate
Commission upon its request.
13.10
"Reasonable Time" defined.
"Reasonable time" as used in Ark. Code Ann. §
18-14-409(a)
shall be presumed to be thirty (30) days.
13.11
Limitations.
Should the parties agree to reduce the period of limitation as
stated in Ark. Code Ann. §
18-14-403,
such agreement to reduce shall be a separate and distinct paragraph of the
contract and shall be initialed by the parties as though the paragraph were an
alteration of the original agreement.
13.12
Reservation; deposit
refundable.
Upon receipt of a deposit and acceptance of a reservation
pursuant to Ark. Code Ann. §
18-14-202(a),
the developer shall notify the purchaser in writing that the deposit is
refundable at any time at the purchaser's option and that the acceptance of the
deposit does not create a binding obligation.
13.13
General regulations apply.
Rules and Regulations of the Arkansas Real Estate Commission 1.1
through 15.8 inclusive shall regulate the practice and procedure for the
Commission for enforcement of the Arkansas Time-Share Law and are hereby
adopted and incorporated by reference as though included herein word for word;
provided that, for purposes of the Arkansas Time-Share Law Regulations,
reference to the real estate license law or Commission regulations, and/or
reference to licensees, shall be deemed to include the Arkansas Time-Share Law
and Time-Share Regulations; and reference to licensees shall be deemed to
include registrants under the Arkansas Time-Share Law.
13.14
"No Action" letter.
Whenever the Commission determines on the basis of the facts
presented that no affirmative action is necessary to protect the public
interest or prospective purchasers, a letter stating that no action will be
taken by the Commission may be issued. Any letter by the Commission that action
shall not be taken shall not bind the Commission with regard to its future
actions relating to such matters unless the Commission shall specifically set
forth in writing its determination to be so bound and the extent and nature
thereof. Any such no-action letter shall not affect any right which any
purchaser may have under the Arkansas Time-Share Law.
SECTION 16.
REAL ESTATE
EDUCATION.16.1
Instructor
applications; education; experience.
Applicants for original licensure as a Principal or Associate
Instructor must apply on forms provided by the Commission, pay the application
fee established by these regulations, and meet the following
requirements:
(a) Broker pre-license
and broker post-license Instructor applicants must provide proof of the
following:
(1) Completion of not less than a
high school diploma or GED;
(2)
Successful completion of the following courses of instruction in real estate,
which proof shall consist of the original certificate(s) or certified copies
thereof, from the school or other organization or other documentation
satisfactory to the Commission:
(A) not less
than thirty (30) classroom hours in the basic principles of real estate
completed by actual classroom attendance or completion of approved distance
education courses;
(B) not less
than sixty (60) classroom hours in broker pre-license education to include not
less than forty-five (45) hours of broker pre-license education developed by
the Commission, completed by actual classroom attendance;
(C) not less than eighteen (18) classroom
hours in salesperson post-license education and thirty (30) hours in broker
post-license education developed by the Commission, completed by actual
classroom attendance;
(3) have in Real Estate five (5) years of
work experience within the immediately preceding six (6) years; and
(4) hold and maintain a current active
Arkansas Real Estate Broker License.
(b) Salesperson pre-license Instructor
applicants must provide proof of the following:
(1) Completion of not less than a high school
diploma or GED;
(2) Successful
completion of a course or courses of instruction consisting of not less than
thirty (30) classroom hours in the basic principles of real estate completed by
actual classroom attendance or completion of approved distance education
courses, which proof shall consist of the original certificate(s) or certified
copies thereof, from the school or other organization or other documentation
satisfactory to the Commission;
(3)
have in Real Estate five (5) years of work experience within the immediately
preceding six (6) years; and
(4)
hold and maintain a current active Arkansas Real Estate Broker
License.
(c) Salesperson
post-license Instructor applicants must provide proof of the following:
(1) Completion of not less than a high school
diploma or GED;
(2) Successful
completion of the following courses of instruction in real estate, which proof
shall consist of the original certificate(s) or certified copies thereof, from
the school or other organization or other documentation satisfactory to the
Commission:
(A) not less than thirty (30)
classroom hours in the basic principles of real estate completed by actual
classroom attendance or completion of approved distance education
courses;
(B) not less than eighteen
(18) classroom hours in salesperson post-license education developed by the
Commission, completed by actual classroom attendance;
(3) have in Real Estate five (5) years of
work experience within the immediately preceding six (6) years; and
(4) hold and maintain a current active
Arkansas Real Estate Broker License.
(d) Continuing education Instructor
applicants must provide proof of the following:
(1) Completion of not less than a high school
diploma or GED;
(2) Successful
completion of a course or courses of instruction consisting of not less than
thirty (30) classroom hours in the basic principles of real estate completed by
actual classroom attendance or completion of approved distance education
courses, which proof shall consist of the original certificate(s) or certified
copies thereof, from the school or other organization or other documentation
satisfactory to the Commission
(3)
have in Real Estate five (5) years of work experience within the immediately
preceding six (6) years; and
(4)
hold and maintain a current active Arkansas Real Estate Broker
License.
(e) Real estate
Guest Speakers must:
(1) have in the subject
matter being presented five (5) years of work experience within the immediately
preceding six (6) years;
(2)
register with the Commission on forms prescribed by the Commission;
and
(3) refrain from engaging in
product and/or service promotion during class time.
(f) All Instructors shall demonstrate in a
manner satisfactory to the Commission a thorough, accurate and current
knowledge of the subject matter being taught.
(g) The Commission may require Instructor and
Administrator attendance at an annual Educator Retreat Workshop and other
semi-annual Instructor training workshops.
16.2
School applications; association
applications.
Applications for a Main School, Branch School or Association
license must be submitted on forms provided by the Commission and accompanied
by the application fee established by these regulations and shall meet the
following requirements:
(a) Main and
Branch School license applications must include:
(1) name and location of the school
(2) current roster of licensed Instructors
and registered Guest Speakers
(3)
an identified Principal Instructor;
(4) a signed statement that the school or
association is in compliance with all local, state and federal zoning
ordinances and all accessibility requirements established by the Americans with
Disabilities Act (ADA); and
(5)
copies of school policies to be filed with the Commission regarding course
attendance, make-up work and refunds.
(b) Association license applications must
include:
(1) name and location of the
Association;
(2) an identified
Administrator; and
(3) copies of
Association policies to be filed with the Commission regarding course
attendance, makeup work and refunds.
16.3
Course approval
requirements.
Applications for real estate education course approvals must be
submitted on forms provided by the Commission and accompanied by the
application fee established by these regulations and shall meet the following
requirements:
(a) Salesperson
Pre-License Courses:
(1) must include not less
than thirty (30) classroom hours in the basic principles of real estate;
and
(2) may be offered by classroom
instruction or approved distance education.
(b) Broker Pre-License Courses:
(1) must adhere to the Commission's approved
broker pre-license education content outline, learning objectives and
measurement tools;
(2) may not be
marketed as examination preparation or "exam prep" courses; and
(3) must be offered by classroom instruction
only.
(c) Salesperson
and Broker Post-License Courses:
(1) must
adhere to the Commission's approved salesperson and broker post-license
education content outlines, learning objectives and measurement tools;
and
(2) must be offered by
classroom instruction only.
(d) Continuing Education Courses:
(1) must be based upon subject matter topics
identified by the Commission, as established by §
17-42-502;
(2) must include a course outline and
learning objectives; and
(3) may be
offered by classroom instruction or approved distance education.
16.4
Renewals.(a) The renewal period
for school, association and instructor licenses will be May 1 to April 30.
Renewal applications accompanied by the required fee must be filed with the
Commission no later than March 31. In order to be considered filed with the
Commission by the deadline, the renewal applications and accompanying fees must
be submitted in completion and must bear a U.S. Postal Service postmark of
March 31 or be received in the Commission's office on or before March 31. If
March 31 falls on a Saturday, Sunday or legal holiday, the Commission shall
accept as meeting the filing deadline those renewal applications that bear a
U.S. Postal Service postmark of the first business day thereafter, and those
applications received in the Commission office on the first day the office is
open to the public following such Saturday, Sunday or legal holiday.
(b) A renewal application filed after the
March 31 renewal deadline shall be treated as a late renewal
application.
(c) A license renewal
not received by April 30 will be considered an original application for
licensure upon submittal to the Commission.
(d) The renewal period for real estate
education courses will be twelve (12) months from the date of initial course
approval.
(1) Where no substantive changes
have been made to course content, course renewal applications accompanied by
the required fee must be filed with the Commission no later than thirty (30)
days prior to the approval's expiration date.
(2) Where substantive changes have been made
to course content, course renewal applications accompanied by the required fee
must be filed with the Commission no later than sixty (60) days prior to the
approval's expiration date.
(e) A course approval renewal application
received after the thirty (30) or sixty (60) day deadline shall be treated as a
late renewal.
(f) A course approval
renewal application submitted to the Commission after the course approval
expiration date will be considered an original application for course
approval.
16.5
Monitoring.(a) The Commission or
its designee shall periodically monitor all aspects of real estate education
offerings. As such, a School or Association's course schedule should at all
times be readily available to the Commission.
(b) For any real estate class that is offered
and has an attendance of over forty (40) participants, that Instructor or
Administrator shall have on file with the Commission an approved monitoring
plan. The plan shall be filed prior to the course offering.
(c) Any licensed school associated by name
with a real estate firm and whose courses are conducted primarily at that
firm's place of business shall have an approved permanent monitoring plan on
file with the Commission.
(d) For
any real estate class that is offered and has instructional time devoted to
luncheons, that Instructor or Administrator shall have on file with the
Commission an approved monitoring plan.
(e) For any real estate class that is closed
to a specific group of individuals, that Instructor or Administrator shall
notify the Commission two (2) weeks prior to the course offering of the date,
time and location of the class.
(f)
For any real estate class that is offered with a third party sponsor's
participation, that Instructor or Administrator shall have on file with the
Commission an approved monitoring plan. The plan shall be filed not less than
fourteen (14) days prior to the course offering.
(g) Any monitoring plan filed with the
Commission should include the following:
(1)
criteria for determining one hundred percent (100%) attendance and course
completion by students enrolled in the course;
(2) methods for monitoring students'
attendance and participation;
(3) a
copy of the school or association's make-up policy; and
(4) identification and signature(s) of the
Principal Instructor and other person(s) responsible for monitoring the course
and students.
16.6
Third party sponsors.
(a) Only Principal Instructors or Instructors
designated by the Principal Instructor and approved by the Executive Director
may contract with a third party sponsor to offer a continuing education
course.
(b) Time committed to
product or service promotion shall not be considered instructional
time.
(c) Students must be notified
in advance of the time during which the third party sponsor will be presenting
product or service promotion to the class. Attendance will be neither monitored
nor required during that time by this subchapter.
(d) Third party sponsors must sign a
statement affirming that their sponsorship of the course is not in violation of
RESPA. This statement must accompany the monitoring plan filed with the
Commission.
(e) The Principal
Instructor should obtain the signature of an authorized representative of the
third party sponsor on the monitoring plan filed with the Commission.
16.7
Distance
education.(a) Schools offering
distance education must also offer classroom courses in Arkansas.
(b) Distance education instructors must meet
the requirements listed under Regulation 16.1.
(c) Distance education instructors must hold
the ARELLO® Certified Distance Education Instructor (CDEI)
designation.
(d) For every distance
education course, the instructor associated with the course must actively
interact with the students completing the course.
(e) All distance education courses must be
ARELLO® certified unless the course content is developed by and the
delivery method(s) is approved by the Commission.
(f) In any distance education course, the
student must attest that they personally completed the coursework.
16.8
Course
requirements.(a) All real estate
education courses shall be conducted in a facility that provides an appropriate
learning environment. At a minimum, the classroom shall:
(1) be of sufficient size to comfortably
accommodate all enrolled students;
(2) be adequately equipped with student
desks, worktables with chairs or other seating having a writing surface and
arranged so that the writing surface is in front of students allowing students
to have an unobstructed view of the Instructor and opportunities for
interaction;
(3) have adequate
light, heat, cooling, ventilation and public address equipment; and
(4) be free of distractions that disrupt
class sessions.
(b) All
real estate education courses shall require one hundred percent (100%)
attendance for satisfactory completion. Activities of a non-participatory
nature shall not qualify as attendance. Therefore, a student's physical
presence in the classroom does not, in and of itself, establish satisfactory
completion.
(c) It is the duty of
the Principal Instructor or Administrator to immediately notify the Commission
in writing of any student or real estate licensee who petitions any person
associated with a licensed School or Association to falsify course attendance
or completion.
(d) Make-up policies
filed with the Commission will set forth provisions for student absences and
tardiness with corresponding methods for making up any course content or
assignments missed.
(e) A school
shall issue a certificate of completion to a student who has paid the
appropriate fees and complied with all attendance and make-up policy
requirements for satisfactory completion of the course.
(f) Notwithstanding Regulation 16.7(e),
nothing in this subchapter shall require an Instructor, a School or an
Association to issue a certificate of completion to an individual student who,
in the Instructor's opinion, has not satisfactorily completed the
course.
(g) The Commission shall
annually establish subject matter topics acceptable for continuing education
courses.
(h) For any topic required
by the Commission under §
17-42-514(a)(2),
the Commission may establish additional parameters governing course content and
delivery.
(i) All post-license
education and broker pre-license education must include learning objectives
established by the Commission.
16.9
Felony reporting
requirements.
(a) All real estate
Instructors and Administrators of licensed Associations must comply with the
requirements set forth in Regulation 10.16(a) and (b).
(b) An applicant for a real estate instructor
license who has been convicted of or pleaded guilty or nolo contendere to any
crime other than a traffic violation or who, after the initiation of an
investigation, hearing or other administrative action has surrendered or has
had a professional, vocational or occupational license, permit, certification
or registration denied, revoked, suspended or canceled or who has been
subjected to any sanctions, including probation, involving such a license,
permit, certification or registration shall furnish the written report referred
to in Regulation 10.16(a) or (b) to the Commission at the time the application
is submitted.
16.10
Maintenance of records; school or association closings.
(a) Each Principal Instructor, school owner
or Administrator must maintain complete records of all real estate education
business handled by that school or association; for example, enrollment forms,
attendance records, certificates of completion, etc.
(b) All records shall be maintained by the
Principal Instructor or Administrator for three (3) years or such time as may
be required by law, whichever is greater, and shall be open to inspection by
and made available to the staff of the Commission at the school or
association's location or other location designated by the Commission. All
records required by this regulation may be maintained in an electronic form,
provided that a copy of the records can be produced as required by this
regulation.
(c) When a School or
Association ceases to offer real estate education, the last Principal
Instructor or Administrator remaining with the School or Association shall be
responsible for all records of the School or Association pertaining to real
estate education, and at the time the School or Association ceases to offer
real estate education, the Principal Instructor or Administrator shall
immediately notify the Commission of the address and phone number of the place
where those records are being maintained. If for any reason that Instructor or
Administrator delivers custody of or responsibility for those records to
another person or entity, he/she shall immediately notify the Commission of
such transfer and furnish the name, address and phone number of such person or
entity.
(d) When a School or
Association closes and students have paid for education offerings not yet
delivered, the Commission may arrange for completion of those students'
education through another licensed Instructor.
(1) The Commission may be assigned by these
students all rights and claims that they may have against the School or
Association involved.