Chapter19. CONSUMER FINANCE.  


§ 5-19-1. Definitions.
§ 5-19-1.1. Legislative findings.
§ 5-19-3. Maximum finance charges; contracting for minimum finance charge; alternate per month computed finance charge.
§ 5-19-4. Additional charges for default or deferral; prepayment; renewal or refinancing; real property transactions.
§ 5-19-5. Acceptance of negotiable instruments as evidence of consumer debt.
§ 5-19-6. Copies of instruments signed by debtors to be furnished to debtors; required statement in contracts, etc.; limitation on disclosure requirements; intent, applicability of limitation.
§ 5-19-7. Right to refinance amount of certain scheduled payments.
§ 5-19-8. Assignee of seller subject to claims and defenses of buyer.
§ 5-19-9. Application of payments when buyer indebted to same seller for two or more consumer credit sales.
§ 5-19-10. Contract provisions for attorney's fees.
§ 5-19-12. Buyer's right to cancel home solicitation sale.
§ 5-19-13. Repossession or acceptance of surrender of goods priced at one thousand dollars or less.
§ 5-19-14. Rebates or discounts, etc., as inducement for aiding sale to another prohibited.
§ 5-19-15. Garnishment.
§ 5-19-16. Refusal by court to enforce unconscionable agreement.
§ 5-19-17. Inducing obligation on more than one contract in order to obtain higher finance charge prohibited; consolidation of existing precomputed consumer credit transaction contract and subsequent precomputed consumer credit transaction.
§ 5-19-18. Installment payment of debt of one thousand dollars or less.
§ 5-19-19. Liabilities of creditor making excess finance charge; failure to obtain license; damages for deliberate violation or reckless disregard; written notice of violations; oral statements not admissible; fiduciary duty not created.
§ 5-19-20. Insurance.
§ 5-19-21. Administrator authorized to make rules and regulations; filing notice of intended action with Legislative Reference Service; transactions entered into after May 20, 1996.
§ 5-19-22. License to engage in business of making consumer loans or taking assignments of consumer credit contracts - Required; exceptions; application; investigation; standards for issuance; hearing; licensing under Small Loan Act; fees; participation in Nationwide Mortgage Licensing System and Registry.
§ 5-19-23. License to engage in business of making consumer loans or taking assignments of consumer credit contracts - Revocation or suspension.
§ 5-19-24. Examinations and investigations of licensees by administrator.
§ 5-19-25. Cease and desist orders by administrator; penalties for violation of this chapter; right to counsel at hearing; judicial review.
§ 5-19-26. Appeals to circuit court from order of administrator; appeals from decision of circuit court.
§ 5-19-29. Injunctions.
§ 5-19-30. Penalty for violations.
§ 5-19-31. Nonapplicability of chapter to certain transactions; certain laws not repealed or amended.
§ 5-19-32. Service contracts.
§ 5-19-33. Account maintenance fee.