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Section
24-4.5-3-0.1
Application of Certain Amendments to Chapter
Section
24-4.5-3-101
Short Title
Section
24-4.5-3-102
Application
Section
24-4.5-3-103
Repealed
Section
24-4.5-3-104
Repealed
Section
24-4.5-3-105
"Consumer Loan"; First Lien Mortgage Transaction Not Included
Section
24-4.5-3-106
"Loan"
Section
24-4.5-3-107
Definitions; "Lender"; "Precomputed"; "Principal"
Section
24-4.5-3-108
"Revolving Loan Account"
Section
24-4.5-3-109
"Loan Finance Charge"
Section
24-4.5-3-110
Repealed
Section
24-4.5-3-110.5
Repealed
Section
24-4.5-3-201
Loan Finance Charge for Consumer Loans Other Than Supervised Loans; Loan Agreements Entered Into After June 30, 2020; Precomputed Consumer Loans Prohibited; Nonrefundable Prepaid Finance Charge; Subterfuge by Lender; Applicability of Criminal Loansharking Statute
Section
24-4.5-3-202
Permitted Additional Charges; Skip-a-Payment Services; Expedited Payment Services; Debt Cancellation Agreements; Insurance; Gap Agreements
Section
24-4.5-3-203
Repealed
Section
24-4.5-3-203.5
Delinquency Charges; Conversion of Precomputed Loan to Loan With Finance Charge Based on Unpaid Balances
Section
24-4.5-3-204
Deferral Charges
Section
24-4.5-3-205
Loan Finance Charge on Refinancing
Section
24-4.5-3-206
Loan Finance Charge on Consolidation
Section
24-4.5-3-207
Conversion to Revolving Loan Account
Section
24-4.5-3-208
Advances to Perform Covenants of Debtor
Section
24-4.5-3-209
Right to Prepay; Prepayment Penalty; Total Finance Charge; Payoff Statement; Liability for Failure to Provide; Short Sales; Foreclosed Property; No Protection From Deficiency Judgment
Section
24-4.5-3-210
Rebate Upon Prepayment
Section
24-4.5-3-301
Disclosures Required by Consumer Credit Protection Act; Exempt Transactions
Section
24-4.5-3-302
Repealed
Section
24-4.5-3-303
Repealed
Section
24-4.5-3-304
Repealed
Section
24-4.5-3-305
Repealed
Section
24-4.5-3-306
Repealed
Section
24-4.5-3-307
Repealed
Section
24-4.5-3-308
Repealed
Section
24-4.5-3-309
Repealed
Section
24-4.5-3-310
Repealed
Section
24-4.5-3-311
Repealed
Section
24-4.5-3-401
Scope
Section
24-4.5-3-402
Balloon Payments; Compliance With Alternative Mortgage Transaction Parity Act
Section
24-4.5-3-403
No Assignment of Earnings
Section
24-4.5-3-404
Attorney's Fees
Section
24-4.5-3-405
Limitation on Default Charges
Section
24-4.5-3-406
Notice of Assignment
Section
24-4.5-3-407
Authorization to Confess Judgment Prohibited
Section
24-4.5-3-408
Creditor's Duty to Credit Payment as of Date of Receipt; Payments Not Conforming to Requirements; Creditor's Failure to Credit Payment
Section
24-4.5-3-501
Definitions; "Supervised Loan"; "Supervised Lender"
Section
24-4.5-3-501.5
Persons Also Engaging in Activities of a Loan Broker; Examination by Department; Cooperation With Securities Division
Section
24-4.5-3-502
Authority to Make, Take Assignment Of, or Collect Consumer Loans Other Than Mortgage Transactions; License Required; Exempt Persons; Branches; Separate License Required for Small Loans
Section
24-4.5-3-502.1
Authority to Make, Take Assignment Of, or Collect Subordinate Lien Mortgage Transactions; License Required; Exempt Persons; Registration With Nmlsr; Licensed Mortgage Loan Originators; Applications for Licensure; Director's Authority to Contract With Nmlsr
Section
24-4.5-3-502.2
Use of Nmlsr in Department's Licensing System; Reporting of Information to Nmlsr; Confidentiality; Director's Authority to Enter Agreements; Waiver of Privilege; Processing Fee; Electronic Records
Section
24-4.5-3-503
Applications for Licenses; Issuance; Evidence of Compliance; Use of Nmlsr; Denial of Application; Right to Hearing; Fees; License Not Assignable or Transferable; Tax Warrant List
Section
24-4.5-3-503.1
National Criminal History Background Check; Fingerprints; Payment of Fees or Costs; Use of Nmlsr
Section
24-4.5-3-503.2
Credit Reports; Payment of Fees or Costs; Demonstrated Financial Responsibility; Considerations
Section
24-4.5-3-503.3
Surety Bond for Creditors Engaged in Mortgage Transactions; Requirements; Amount; Termination; Liability; Notices
Section
24-4.5-3-503.4
Use of Nmlsr in Department's Licensing System for Subordinate Lien Mortgage Transactions; Reporting of Information to Nmlsr; Confidentiality; Director's Authority to Enter Agreements; Waiver of Privilege; Processing Fee; Electronic Records
Section
24-4.5-3-503.5
Repealed
Section
24-4.5-3-503.6
License Renewal; Revocation or Suspension of License Not Renewed; Reinstatement or Appeal; Correcting Amendments
Section
24-4.5-3-504
Suspension or Revocation of License; Order to Show Cause; Order of Suspension or Revocation; Relinquishment of License; Preexisting Contracts; Emergency Order for Revocation
Section
24-4.5-3-505
Record Keeping; Use of Unique Identifier on Forms and Documents; Use of Examination and Regulatory Software; Submitting Call Reports to Nmlsr; Composite Reports; Notice to Department of Certain Events or Changes
Section
24-4.5-3-505.5
Automated Loan Machines
Section
24-4.5-3-506
Repealed
Section
24-4.5-3-507
Repealed
Section
24-4.5-3-508
Loan Finance Charge for Supervised Loans; Precomputed Supervised Loans Prohibited After June 30, 2020; Nonrefundable Prepaid Finance Charge; Loan Paid in Full by New Loan From Same Lender
Section
24-4.5-3-508.5
Repealed
Section
24-4.5-3-509
Use of Multiple Agreements
Section
24-4.5-3-510
Restrictions on Interest in Land as Security
Section
24-4.5-3-511
Regular Schedule of Payments; Maximum Loan Term
Section
24-4.5-3-512
Carrying on Other Business
Section
24-4.5-3-513
Application of Other Provisions
Section
24-4.5-3-514
Repealed
Section
24-4.5-3-515
Change in Control of Creditor; Application to Department; Timeframe for Department's Decision; Conditions for Approval; Creditor's Duty to Report Transfer of Securities; Director's Discretion to Require New License
Section
24-4.5-3-601
Loans Subject to Article by Agreement of Parties
Section
24-4.5-3-602
"Consumer Related Loan"; Loan Finance Charge; Licensing and Annual Notice to Department Not Required
Section
24-4.5-3-603
Applicability of Other Provisions to Consumer Related Loans
Section
24-4.5-3-604
Limitation on Default Charges in Consumer Related Loans
Section
24-4.5-3-605
Loan Finance Charge for Other Loans
Section
24-4.5-3-606
Required Disclosures; Liability on Fraudulently Cashed Instruments
Section
24-4.5-3-701
Requirement to Provide Property Tax Information in Certain Transactions