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CHAPTER 54-3A

CONSUMER INSTALLMENT SALES CONTRACTS

54-3A-1      Definition of terms.
54-3A-2      Items included in amount financed.
54-3A-3      Finance charges on installment sales contract.
54-3A-4      Repealed.
54-3A-5      Additional charges allowed--Disclosure and explanation to consumer--Separate agreement.
54-3A-6      Commencement of term of obligation--Down payments.
54-3A-7      Modification of agreement to increase outstanding obligation prohibited--Exception.
54-3A-8      Rule for computing refund of charges on prepayment.
54-3A-8.1      Restriction on use of rule.
54-3A-9      Rebate of portion of finance charge on prepayment or refinancing--Exceptions.
54-3A-10      Rebate on acceleration of maturity.
54-3A-11      Delinquent installments--Notice of penalty to consumer.
54-3A-12      Imposition and collection of delinquency charge.
54-3A-12.1      Imposition and collection of returned check charge--Maximum.
54-3A-13      Repealed.
54-3A-14      Unilateral deferral by creditor prohibited.
54-3A-15      Deferral agreement requirements.
54-3A-16      Deferral charge not collected on refinancing.
54-3A-17      Refinancing agreement--Rebate excluded.
54-3A-18      Refinancing agreement requirements.
54-3A-19      Creditor's remedies on delinquency.
54-3A-20      Debt forfeited for excessive charges--Costs and attorney fees.
54-3A-21      Limitation on action for excessive charges.
54-3A-22      Demand required before action for excessive charges.
54-3A-23      Proof of unintentional error.
54-3A-24      Promulgation of rules.
54-3A-25      Severability of provisions.


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