Retail Installment Sales Act

  1. Law
  2. North Carolina General Statutes
  3. Retail Installment Sales Act

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Section
25A-1

Scope of act.

Section
25A-2

"Consumer credit sale" defined.

Section
25A-3

"Payable in installments" defined.

Section
25A-4

"Goods" defined.

Section
25A-5

"Services" defined.

Section
25A-6

"Seller" defined.

Section
25A-7

"Cash price" defined.

Section
25A-8

"Finance charge" defined.

Section
25A-9

"Amount financed" defined.

Section
25A-10

"Official fees" defined.

Section
25A-11

"Revolving charge account contract" defined.

Section
25A-12

"Consumer credit installment sale contract" defined.

Section
25A-13

"Consumer Credit Protection Act" defined.

Section
25A-14

Finance charge rates and service charge for revolving charge account contracts.

Section
25A-15

Finance charge rates for consumer credit installment sale contracts.

Section
25A-16

Transfer of equity.

Section
25A-17

Additional charges for insurance.

Section
25A-18

Confession of judgment.

Section
25A-19

Acceleration.

Section
25A-20

Disclaimer of warranty.

Section
25A-21

Attorneys' fees.

Section
25A-22

Receipts for payments; return of title documents upon full payment.

Section
25A-23

Collateral taken by the seller.

Section
25A-24

Identification of instruments of indebtedness.

Section
25A-25

Preservation of consumers' claims and defenses.

Section
25A-26

Substitution of collateral.

Section
25A-27

Application of payments.

Section
25A-28

Form of consumer credit installment sale contract.

Section
25A-29

Default charges.

Section
25A-30

Deferral charges.

Section
25A-31

Consolidation and refinancing.

Section
25A-32

Rebates on prepayment.

Section
25A-32.1

Unearned finance charge credits on prepayment of loans secured by real property and mobile home loans.

Section
25A-33

Terms of payments.

Section
25A-34

Balloon payments.

Section
25A-35

Statement of account.

Section
25A-36

Certificates of insurance and rebates.

Section
25A-37

Referral sales.

Section
25A-38

"Home-solicitation sale" defined.

Section
25A-39

Buyer's right to cancel.

Section
25A-40

Form of agreement or offer; statement of buyer's rights.

Section
25A-41

Restoration of down payment; retention of goods.

Section
25A-42

Duties as to care and return of goods; no compensation for services prior to cancellation.

Section
25A-43

Unconscionability.

Section
25A-44

Remedies and penalties.

Section
25A-45

Conflict with Consumer Credit Protection Act.