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Legal Tender and Interest
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Missouri Revised Statutes
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Legal Tender and Interest
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Section
408.010
Silver a legal tender.
Section
408.015
Definitions.
Section
408.020
When no rate of interest is agreed upon, nine percent allowed as legal interest.
Section
408.030
Interest, maximum rate allowed — penalty for overcharge, limitation on action for — "market rate" to be determined, when, how — discounting to financial organizations authorized.
Section
408.031
Fee in lieu of interest may be charged on loan — exception.
Section
408.032
Recording fees.
Section
408.035
Unlimited interest, when allowed.
Section
408.036
Prepayment penalty by lender prohibited, exception — maximum permitted, exceptions — return of moneys above maximum permitted.
Section
408.040
Interest on judgments, how regulated — prejudgment interest allowed when, procedure.
Section
408.050
Excess interest paid recoverable with costs and attorney fee.
Section
408.052
Points prohibited, exception — penalties for illegal points — violation a misdemeanor — default charge authorized, when, exceptions.
Section
408.060
Defendant may plead usury — judgment, how rendered — corporations cannot enter plea of usury.
Section
408.070
Usurious interest — security agreement invalid.
Section
408.080
Interest may be paid on interest — compounding limited to once a month — prohibited for certain loans.
Section
408.081
Validity of certain existing contract not to be affected, when.
Section
408.083
Credit contracts, prepayment before maturity, computation of interest.
Section
408.090
Demand loans where only securities are pledged not subject to usury laws.
Section
408.092
Attorney fees, enforcement of credit agreements, limitations.
Section
408.095
Charging interest of more than two percent per month a misdemeanor, exceptions.
Section
408.096
Loan arrangement, excess fee prohibited for certain transactions — penalty.
Section
408.100
Applicability of section — rate of interest.
Section
408.105
Precomputed loans, extensions, fee, limitations.
Section
408.110
Short title — applicability of sections 408.120 to 408.190.
Section
408.120
Interest computed and paid, how.
Section
408.130
Borrower to receive statement of contract — contents — prepayment effect — receipts for payments.
Section
408.140
Additional charges or fees prohibited, exceptions — no finance charges if purchases are paid for within certain time limit, exception.
Section
408.145
Fees for credit cards issued in contiguous states.
Section
408.150
Lender can not receive excess interest — failure by lender to return excess interest, damages allowed.
Section
408.160
False advertising prohibited.
Section
408.170
Contracts paid in full before due date — recomputations of interest — refund defined.
Section
408.175
Interest rate when maturity of note or contract accelerated.
Section
408.178
Deferral of monthly loan payments, fee authorized for certain loans.
Section
408.180
Authority of director to verify interest rates charged.
Section
408.190
Certain loans exempt from sections 408.120 to 408.180, and 408.200.
Section
408.193
Credit cards, no derogatory reports to credit agencies for carrying a zero balance.
Section
408.200
Borrower not to be indebted on two or more contracts with same lender, when.
Section
408.210
Assignment of wages or compensation — excess over loan deemed interest.
Section
408.213
Changes to certain sections remedial only.
Section
408.231
Definitions.
Section
408.232
Rates and terms.
Section
408.233
Additional charges authorized.
Section
408.234
Collateral — prepayment rights, method of computation.
Section
408.235
Director may examine certain lenders.
Section
408.236
Recovery of interest barred, when, exceptions — actions taken or omitted in reliance on interpretation by division of finance, effect.
Section
408.237
Applicability of sections 408.231 to 408.241.
Section
408.240
Penalties — actions taken or omitted in reliance on written interpretation by division, effect.
Section
408.241
Prepayment fee, second mortgage loans, allowed when.
Section
408.250
Definitions.
Section
408.260
Time contract, how executed — required contents — additional notes to cut off buyer's rights prohibited — waiver of buyer's legal remedies prohibited.
Section
408.270
Retail time contracts negotiated by mail — delivery unnecessary — notice of insertions in blanks.
Section
408.280
Insurance purchased to secure retail time contract, regulation.
Section
408.290
Retail charge agreement — form — delivery to buyer — contents.
Section
408.300
Time charges, amount authorized on retail time contracts — retail charge agreements, time charges authorized.
Section
408.310
Assignments of retail time contracts and charge agreements — notice to buyer, effect.
Section
408.320
Buyer may pay retail time contract debt before maturity — refund of charges.
Section
408.330
Delinquency and collection charges permitted — insurance premium in lieu of perfecting security interest authorized — attorney fees — consolidation of contracts — convenience fee, when.
Section
408.340
Applicability to prior transactions.
Section
408.350
Waiver of provisions void.
Section
408.360
Citation of law.
Section
408.365
Acceleration clauses, repossession or confession of judgment by power of attorney, right of entry to repossess and waiver of damages from repossession provisions, prohibited.
Section
408.370
Violation, penalty — effect on time and other charges — correction.
Section
408.375
Retail installment agreement, deemed signed or accepted, when.
Section
408.380
Sale of certain financial products and plans associated with certain loan transactions not prohibited.
Section
408.400
Definitions.
Section
408.405
Defenses or setoffs arising from transaction good against holder of security instrument, when.
Section
408.410
Exempt transactions.
Section
408.415
Chapter 400 is modified by provisions of sections 408.400 to 408.415.
Section
408.455
Variable rate agreements subject to certain provisions.
Section
408.500
Unsecured loans of five hundred dollars or less, licensure of lenders, interest rates and fees allowed — penalties for violations — cost of collection expenses — notice required, form.
Section
408.505
Term of loans, charges permitted, repayment, return check charge.
Section
408.506
Report to the general assembly, contents.
Section
408.510
Licensure of consumer installment lenders — interest and fees allowed.
Section
408.512
Loans by traditional installment loan lenders.
Section
408.550
Discrimination prohibited — damages recoverable.
Section
408.551
Applicability of sections 408.551 to 408.562 — credit transaction defined.
Section
408.552
Enforceability of default provisions.
Section
408.553
Recovery limitation.
Section
408.554
Notice of default, contents, form, delivery.
Section
408.555
Acceleration, repossession and cancellation restricted — required procedures — borrower's right to cure.
Section
408.556
Actions arising from default, contents of petition — default judgment requires sworn testimony — recovery of unpaid balances.
Section
408.557
Notice required before deficiency action may be commenced.
Section
408.558
Security interests not to be taken, when.
Section
408.560
Unenforceable provisions in note or credit contract.
Section
408.562
Damages recoverable for violation.
Section
408.570
Definitions.
Section
408.575
Denial of loans prohibited, when, reasons for.
Section
408.580
Applications to be accepted — written reasons for rejection required — display of statute required — retention of records — rulemaking, procedure.
Section
408.585
Limitation on requirements of sections 408.570 to 408.600.
Section
408.590
Division directors, report to governor and department director, contents.
Section
408.595
Financial institutions to make other annual report, contents.
Section
408.600
Division directors to enforce provisions of sections 408.570 to 408.600 — complaints, how handled — hearings — remedies.
Section
408.675
Citation of law — definitions.
Section
408.677
Government access to records, when — requirements.
Section
408.680
Financial institution may not disclose, exceptions, requirements.
Section
408.682
Customer authorization, requirements.
Section
408.683
Subpoena, government may obtain records with, when — procedure — notice required.
Section
408.685
Delay of notice, allowed when — postdisclosure notice, form of.
Section
408.686
Challenge to subpoena — procedure, appeals.
Section
408.687
Financial institution to assemble records upon subpoena — delivery of records, when.
Section
408.689
Transfer of records to additional agency, allowed when — notice.
Section
408.690
Nonprohibited disclosure activities.
Section
408.692
Law not applicable to government authority, when — procedure.
Section
408.693
Fee paid to financial institution, amount, how determined.
Section
408.695
Statute of limitations.
Section
408.696
Civil liability for violation, amount — disciplinary action against agency employee, when — good faith a valid defense, when — exclusive remedy.
Section
408.697
Injunctive relief, allowed when.
Section
408.699
Statute of limitations, tolled when.
Section
408.700
Subpoena issued under authority of grand jury, records, use of.
Section
408.800
Definitions.
Section
408.805
Savings promotion program authorized, conditions.
Section
408.810
Compliance with federal American Savings Promotion Act.
Section
408.815
Programs not gambling, gaming, lottery, raffle, or sweepstake.