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Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services
Law
Nevada Revised Statutes
Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services
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Section
604A.010
Definitions.
Section
604A.015
"Automated loan machine" defined.
Section
604A.020
Cashing" defined.
Section
604A.025
"Check" defined.
Section
604A.030
"Check-cashing service" defined.
Section
604A.035
Commissioner" defined.
Section
604A.036
"Consumer credit" defined.
Section
604A.038
"Covered service member" defined.
Section
604A.040
Customer" defined.
Section
604A.045
"Default" defined.
Section
604A.050
"Deferred deposit loan" defined.
Section
604A.055
"Deferred deposit loan service" defined.
Section
604A.057
"Dependent" defined.
Section
604A.060
"Electronic transfer of money" defined.
Section
604A.065
"Extension" defined.
Section
604A.070
"Grace period" defined.
Section
604A.075
"Licensee" defined.
Section
604A.080
"Loan" defined.
Section
604A.085
"Refund anticipation loan" defined.
Section
604A.090
"Regulation Z" defined.
Section
604A.0703
"High-interest loan" defined.
Section
604A.0705
"High-interest loan service" defined.
Section
604A.105
"Title loan" defined.
Section
604A.110
"Title loan service" defined.
Section
604A.115
"Title to a vehicle" or "title" defined.
Section
604A.120
"Truth in Lending Act" defined.
Section
604A.125
"Vehicle" defined.
Section
604A.150
Additional terms defined under federal law; calculation of amount financed, annual percentage rate and finance charge.
Section
604A.200
Application of chapter to persons who seek to evade its provisions.
Section
604A.210
Chapter does not prohibit licensee from offering customer grace period; restrictions.
Section
604A.220
Uniformity of application and construction; resolution of conflicts.
Section
604A.230
Effect of amendment or repeal of chapter on preexisting lawful contracts.
Section
604A.240
Collection of loans made outside State.
Section
604A.250
Exemptions from chapter. [Effective through December 31, 2019.]
Section
604A.250
Exemptions from chapter. [Effective January 1, 2020.]
Section
604A.260
Applicability of provisions of chapter governing enforcement or collection of obligations originated under chapter.
Section
604A.300
Regulations.
Section
604A.303
Commissioner required to implement and maintain database of certain information related to deferred deposit loans, title loans and high-interest loans; fee; confidentiality; regulations. [Effective July 1, 2020.]
Section
604A.305
Authority to inform public of certain information relating to licensees offering services through Internet website.
Section
604A.310
Certain relationships between officers and employees of Division of Financial Institutions and licensees prohibited; duty to terminate prohibited relationships.
Section
604A.315
Commissioner required to investigate alleged violations of chapter.
Section
604A.400
Operation of check-cashing service, deferred deposit loan service, high-interest loan service or title loan service without license prohibited; operation of deferred deposit loan service or high-interest loan service through automated loan machine prohibited; criminal penalties.
Section
604A.405
Required notices and disclosures; regulations.
Section
604A.411
Violation of provision of federal Warner Act constitutes violation of chapter.
Section
604A.501
Limitations on original term.
Section
604A.502
Prohibited acts by licensee: Accepting collateral or other types of security; failing to make certain disclosures; taking incomplete instruments; requiring the purchase of insurance or other goods or services; failing to comply with payment plan; charging fee to cash certain checks.
Section
604A.503
Limitations on amounts licensee may collect after default.
Section
604A.504
Written loan agreement required; contents.
Section
604A.505
Rescission of loan by customer.
Section
604A.506
Limitations on fees licensees may charge after default on installment payments.
Section
604A.507
Practices regarding customers who are members of military.
Section
604A.508
Payment of loan in full.
Section
604A.509
Practices regarding customers who are members of military.
Section
604A.510
Short title.
Section
604A.515
Applicability.
Section
604A.570
Required disclosures.
Section
604A.571
Prohibited fees.
Section
604A.572
Prohibited advertisements.
Section
604A.573
Required notices.
Section
604A.574
Limitations on extended term of loans.
Section
604A.575
Rescission of loan by customer.
Section
604A.576
Collection of past due accounts; prohibited acts.
Section
604A.577
Reporting violations of chapter.
Section
604A.578
Certain licensees required to offer repayment plan.
Section
604A.579
Licensee offering services through Internet website required to comply with applicable laws.
Section
604A.580
Required disclosures.
Section
604A.581
Prohibited fees.
Section
604A.582
Prohibited advertisements.
Section
604A.583
Required notices.
Section
604A.584
Limitations on extended term of loans.
Section
604A.585
Rescission of loan by customer.
Section
604A.586
Collection of past due accounts; prohibited acts.
Section
604A.587
Reporting violations of chapter.
Section
604A.588
Certain licensees required to offer repayment plan.
Section
604A.589
Licensee offering services through Internet website required to comply with applicable laws.
Section
604A.590
Required disclosures.
Section
604A.591
Prohibited fees.
Section
604A.592
Prohibited advertisements.
Section
604A.593
Required notices.
Section
604A.594
Rescission of loan by customer.
Section
604A.595
Collection of past due accounts; prohibited acts.
Section
604A.596
Reporting violations of chapter.
Section
604A.597
Certain licensees required to offer repayment plan.
Section
604A.598
Licensee offering services through Internet website required to comply with applicable laws.
Section
604A.600
Application for license.
Section
604A.605
Additional materials to be submitted with application; grounds for denial of license.
Section
604A.610
Surety bond.
Section
604A.615
Deposit of securities in lieu of surety bond.
Section
604A.620
Application for license for office or other place of business located outside State.
Section
604A.625
Investigation of applicant; notice; hearing; order.
Section
604A.630
Procedure upon denial of license.
Section
604A.635
Issuance of license; display of license; issuance of additional licenses for branch locations; contents of license; license not transferable or assignable.
Section
604A.640
Expiration, renewal and reinstatement of license; fees.
Section
604A.645
Change of control of licensee: Notice; application to Commissioner.
Section
604A.650
Licensee must conduct business in accordance with license; approval of business name; prohibition against using misleading or confusing business name or printed forms.
Section
604A.655
Restrictions on location where licensee may conduct business; requirements to conduct business at same location as mortgage broker, mortgage banker or pawnbroker. [Effective through December 31, 2019.]
Section
604A.655
Restrictions on location where licensee may conduct business; requirements to conduct business at same location as mortgage company or pawnbroker. [Effective January 1, 2020.]
Section
604A.660
Change of address by licensee: Notice; approval by Commissioner; penalty for failure to provide required notice.
Section
604A.700
Required books and records.
Section
604A.710
Investigation of businesses; examination of books and records by Commissioner.
Section
604A.720
Authority of Commissioner to require attendance of witnesses and production of books and records.
Section
604A.730
Annual examinations by Commissioner; exceptions.
Section
604A.740
Fees for regulatory activities; penalties for failure to pay fees.
Section
604A.750
Annual report by licensee; composite reports.
Section
604A.760
Fees for failure to submit reports.
Section
604A.800
Temporary suspension of license: Conditions; notice; hearing; terms of suspension.
Section
604A.810
Order to desist and refrain; action to enjoin violation; appointment of receiver.
Section
604A.820
Procedure for taking disciplinary action; authorized disciplinary action; grounds.
Section
604A.830
Additional grounds for disciplinary action.
Section
604A.840
Surrender of license by licensee; effect of surrender.
Section
604A.850
Preexisting contracts unaffected by revocation, suspension, expiration or surrender of license.
Section
604A.900
Remedies for certain willful violations.
Section
604A.910
Administrative fines for unlicensed activity.
Section
604A.920
Other remedies for unlicensed activity.
Section
604A.930
Civil action.
Section
604A.940
Exercise of jurisdiction over party to civil action; service of summons to confer jurisdiction.
Section
604A.5011
Licensee required to make determination of ability of customer to repay loan and compliance of loan with certain requirements before making loan.
Section
604A.5012
Written loan agreement required; contents.
Section
604A.5014
Requirements for collection of defaulted loan; civil action to collect debt; venue.
Section
604A.5015
Practices regarding customers who are members of military.
Section
604A.5016
Provision of information and materials concerning public assistance and services.
Section
604A.5017
Limitation regarding amount of loan. [Effective through June 30, 2020.]
Section
604A.5017
Limitation regarding amount of loan. [Effective July 1, 2020.]
Section
604A.5018
Prohibited acts by licensee regarding multiple loans to same customer.
Section
604A.5021
Prohibited acts by licensee: Improper lending and collection practices; deceptive trade practices; false, misleading and deceptive advertising; reinitiating certain transactions; using agent, affiliate or subsidiary to avoid requirements or prohibitions of chapter.
Section
604A.5023
Rescission of loan by customer.
Section
604A.5024
Payment of loan in full.
Section
604A.5025
Partial payment on loan.
Section
604A.5026
Extended payment plan: Customer eligibility; requirements; restrictions; default.
Section
604A.5027
Repayment plan.
Section
604A.5029
Limitations on using proceeds of new deferred deposit loan or high-interest loan to pay balance of outstanding deferred deposit loan; exceptions.
Section
604A.5031
Limitations on fees licensee may collect for check not paid upon presentment or failure of electronic transfer of money; standards for civil liability and criminal prosecution.
Section
604A.5033
Receipt required for each payment by customer; contents.
Section
604A.5034
Requirements regarding person acting as agent or assisting in making loan.
Section
604A.5035
Determination of whether loan is high-interest loan.
Section
604A.5037
Limitations on original term.
Section
604A.5038
Licensee required to make determination of ability of customer to repay loan and compliance of loan with certain requirements before making loan.
Section
604A.5041
Requirements for collection of defaulted loan; civil action to collect debt; venue.
Section
604A.5042
Provision of information and materials concerning public assistance and services.
Section
604A.5043
Practices regarding customers who are members of military.
Section
604A.5045
Limitation regarding amount of loan. [Effective through June 30, 2020.]
Section
604A.5045
Limitation regarding amount of loan. [Effective July 1, 2020.]
Section
604A.5046
Prohibited acts by licensee regarding multiple loans to same customer.
Section
604A.5048
Prohibited acts by licensee: Accepting collateral or other types of security; failing to make certain disclosures; taking incomplete instruments; requiring the purchase of insurance or other goods or services; failing to comply with payment plan; charging fee to cash certain checks.
Section
604A.5049
Prohibited acts by licensee: Improper lending and collection practices; deceptive trade practices; false, misleading and deceptive advertising; reinitiating certain transactions; using agent, affiliate or subsidiary to avoid requirements or prohibitions of chapter.
Section
604A.5052
Payment of loan in full.
Section
604A.5053
Partial payment on loan.
Section
604A.5055
Repayment plan.
Section
604A.5057
Limitations on using proceeds of new deferred deposit loan or high-interest loan to pay balance of outstanding high-interest loan; exceptions.
Section
604A.5058
Limitations on amounts licensee may collect after default.
Section
604A.5061
Limitations on fees licensee may collect for check not paid upon presentment or failure of electronic transfer of money; standards for civil liability and criminal prosecution.
Section
604A.5063
Receipt required for each payment by customer; contents.
Section
604A.5064
Requirements regarding person acting as agent or assisting in making loan.
Section
604A.5065
Licensee required to make determination of ability of customer to repay loan and compliance of loan with certain requirements before making loan.
Section
604A.5067
Written loan agreement required; contents.
Section
604A.5068
Requirements for collection of defaulted loan; civil action to collect debt; venue.
Section
604A.5071
Prohibited acts by licensee: Accepting certain collateral or other types of security; failing to make certain disclosures; taking incomplete instruments; requiring the purchase of insurance or other goods or services; failing to comply with payment plan; charging fee to cash certain checks.
Section
604A.5072
Prohibited acts by licensee: Improper lending and collection practices; deceptive trade practices; false, misleading and deceptive advertising; reinitiating certain transactions; using agent, affiliate or subsidiary to avoid requirements or prohibitions of chapter.
Section
604A.5074
Restrictions on duration of loan and periods of extension.
Section
604A.5076
Prohibited acts by licensee regarding amount of loan, ownership of vehicle and customer’s ability to repay loan.
Section
604A.5078
Applicability of Uniform Commercial Code; repossession of vehicle; civil action.
Section
604A.5079
Rescission of loan by customer.
Section
604A.5081
Partial payment on loan.
Section
604A.5083
Repayment plan.
Section
604A.5085
Limitations on amounts licensee may collect after default.
Section
604A.5086
Limitations on fees licensee may collect for check not paid upon presentment or failure of electronic transfer of money; standards for civil liability and criminal prosecution.
Section
604A.5088
Receipt required for each payment by customer; contents.
Section
604A.5089
Requirements regarding person acting as agent or assisting in making loan.
Section
604A.5092
Prohibited acts by licensee: Improper practices; deceptive trade practices; using agent, affiliate or subsidiary to avoid requirements or prohibitions of chapter.
Section
604A.5094
Limitations on fees licensee may collect for check not paid upon presentment or failure of electronic transfer of money; standards for civil liability and criminal prosecution.
Section
604A.5983
Prohibited annual percentage rates.
Section
604A.5985
Required disclosures.
Section
604A.5987
Prohibited terms of consumer credit to covered service member.
Section
604A.50705
Provision of information and materials concerning public assistance and services.