CONSUMER ACT

Statement of purchases, payments, unpaid balance on open-end credit plan, 422.306 (3)

Sum of digits method, calculation of rebates, 422.209 (2)

Tax refund anticipation loans, 422.310

Unequal payments prohibited, exceptions, 422.402

Use of multiple agreements, violation of law, 422.414, 425.305

Variable rate transaction, 422.421

Waivers by customer prohibited, 422.419

Violation of law, 422.419 (2), 425.304

Warning on instrument as to unequal payments, 422.402

CONSUMER ACT 5. Debt Collection 5. Debt Collection
Generally, Ch. 427

Collateral, induced to surrender in violation of law, rights of debtor, 427.105

Damages when person injured by violation of debt collection, 427.105

Definitions, 427.103

Prohibited practices of debt collector, 427.104

Remedies when person injured by violation of debt collection, 427.105

Scope of law, 427.102

Threats, prohibited, 427.104

Title of law, 427.101

CONSUMER ACT 6. First Lien Real Estate Loans 6. First Lien Real Estate Loans
Generally, Ch. 428

Accounting as to receipts and disbursements, violations, 428.104

Applicability of chapter, 428.101

Attorney fees, 428.103 (1) (e)

Debt collection, 428.103 (1) (c)

Definitions, 428.102

Delinquency charges, 428.103 (1) (a)

Limitations applicable to loans, violations, 428.103

Pleadings, 428.105

Receipts evidencing payment, violations, 428.104

Remedies of customer, 428.106

CONSUMER ACT 7. Insurance 7. Insurance
Generally, Ch. 424

Administration, cooperation between commissioners of insurance and banking, 424.601

Amount of, 424.208

Cancellation by customer, 424.304, 424.401

Credit or payment, 424.402

Charge, 424.202

Maximum permitted creditor, 424.204

Commissioner of insurance, rules regulating law, 424.602

Commissions, limitations, 424.502

Conditions applying to insurance to be provided by creditor, 424.203

Violation of law, 424.203 (5), 425.303

Consolidation, creditor may not receive separate charge for insurance in connection with, exceptions, 424.206

Consumer credit insurance, definition, 424.201

Credit accident and sickness:

Amount of, 424.208

Filing and approval of rates and forms, 424.209

Credit life, amount of, 424.208

Credit life and disability, approval of forms, 631.24

Credit required, 424.205

Deferral, creditor may not receive separate charge for insurance in connection with, exceptions, 424.206

Definitions, application, 424.103

Forms, filing of and approval of commissioner, 424.209

Liability insurance:

Cancellation by creditor, 424.303

Cancellation by customer, 424.304, 424.402

Maximum charge by creditor for insurance, violation of law, 424.204 (3), 425.304

Open-end credit plan, maximum charge for insurance by creditor, 424.204 (2)

Practices, 424.501, 424.502

Property insurance:

Cancellation by creditor, 424.303

Cancellation by customer, 424.304, 424.402

Creditor's interest only, 424.302

Restrictions on, 424.301

Rates, filing of and approval of commissioner, 424.209

Refinancing, creditor may not receive separate charge for insurance in connection with, exceptions, 424.206

Refund required, 424.205

Scope of law, 424.102

Solicitation, false, misleading or deceptive, 424.501

Term of, 424.207

Title of law, 424.101

CONSUMER ACT 8. Remedies and Penalties 8. Remedies and Penalties
Generally, Ch. 425

Abandoned collateral or leased goods, merchant may take possession, 425.207 (2)

Attachment before judgment is prohibited, 425.111

Attorney fees to be reasonable, court to determine amount, 425.308

Body attachment:

Prohibited, 425.113

Violation of law, 425.113 (2), 425.305

Class actions, 425.309, 426.110

Collateral or leased goods:

Definition, 425.202

Restraining order to protect, 425.207

Voluntary surrender of, 425.204

Corporate officers, liability of, 425.310

Customer's remedies:

Amounts, damages, 425.302, 425.303, 425.304

To be liberally construed, 425.301

Customer's right to redeem, 425.208

Default:

Accrual of cause of action in favor of creditor, 425.103

Cure of, 425.105