2025 Statutes Index

Variable rate transaction, 422.421

Payment, evidence of, 422.306

Performance, statements of, 422.410

Post-high school education loans, 422.403 (4)

Prepay, right to, 422.208

Prepayment, rebate on, finance charge, 422.209

Real property improvements, maximum periods of repayment for transactions, 422.403 (2)

Rebate on prepayment, 422.209

Finance charge, 422.209

Violation of law, 422.209 (7), 425.304

Receipts for payments required, 422.306

Referral transactions prohibited, 422.416

Violation of law, 422.416 (2), 425.305

Repayment, maximum periods, 422.403

Rule of 78, calculation of rebates, 422.209 (2)

Scope of law, 422.102, 422.401

Security interests:

Consolidation, application of payments, 422.418

Restrictions on, 422.417

Short title, 422.101

State agencies, loans, 422.403 (4m)

Statement of payments, charges and unpaid balance to be furnished customer, 422.306 (2)

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

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

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. insurance 6. 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_7. mortgage loans 7. Mortgage Loans

Generally, Ch. 428

First lien real estate loans:

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)