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Section
14A-1-101
Short title.
Section
14A-1-102
Purposes - Rules of construction.
Section
14A-1-103
Supplementary general principles of law applicable.
Section
14A-1-104
Construction against implicit repeal.
Section
14A-1-105
Repealed by Laws 1989, c. 154, § 2, operative July 1, 1989.
Section
14A-1-106
Change in dollar amount used in certain sections.
Section
14A-1-107
Waiver - Agreement to forego rights - Settlement of claims.
Section
14A-1-108
Effect of act on powers of organizations.
Section
14A-1-109
Discrimination in extension of credit on basis of sex or marital status prohibited.
Section
14A-1-110
Use of cash discounts.
Section
14A-1-111
Location of amendments.
Section
14A-1-201
Territorial application.
Section
14A-1-201A
Extraterritorial application.
Section
14A-1-202
Exclusions.
Section
14A-1-301
General definitions.
Section
14A-1-302
Definition: "Federal Consumer Credit Protection Act".
Section
14A-1-303
Index of definitions in act.
Section
14A-2-101
Short title.
Section
14A-2-102
Scope.
Section
14A-2-103
Definitions in article.
Section
14A-2-104
Definition: "Consumer credit sale".
Section
14A-2-105
Definitions: "Goods"; "Merchandise certificate"; "Services"; "Sale of goods"; "Sale of services"; "Sale of an interest in land"; "Precomputed".
Section
14A-2-106
Definition: "Consumer lease".
Section
14A-2-107
Definition: "Seller".
Section
14A-2-108
Definition: "Revolving charge account".
Section
14A-2-109
Definition: "Credit service charge".
Section
14A-2-110
Definition: "Cash price".
Section
14A-2-111
Definition: "Amount financed".
Section
14A-2-112
Sale of motor vehicles - Taking security in other vehicles.
Section
14A-2-201
Credit service charge for consumer credit sales other than revolving charge accounts.
Section
14A-2-202
Additional charges.
Section
14A-2-202.1
Return of dishonored check, negotiable order of withdrawal or share draft fee.
Section
14A-2-202.2
Over-the-limit charge.
Section
14A-2-203
Delinquency charges.
Section
14A-2-204
Deferral charges.
Section
14A-2-205
Credit service charge on refinancing.
Section
14A-2-206
Credit service charge on consolidation.
Section
14A-2-207
Credit service charge for revolving charge accounts.
Section
14A-2-208
Advances to perform covenants of buyer.
Section
14A-2-209
Right to prepay.
Section
14A-2-210
Rebate upon prepayment.
Section
14A-2-211
Discounts inducing payment by cash, check or similar means.
Section
14A-2-301
Applicability - Information required.
Section
14A-2-301.1
Federal Consumer Credit Protection Act disclosure.
Section
14A-2-302
Repealed by Laws 2014, c. 159, § 4, eff. July 1, 2014.
Section
14A-2-303
Overstatement.
Section
14A-2-304
Calculation of rate to be disclosed.
Section
14A-2-305
Sales made by telephone or mail.
Section
14A-2-306
Consumer credit sales not pursuant to revolving charge account.
Section
14A-2-307
Refinancing.
Section
14A-2-308
Assumption.
Section
14A-2-309
Estimates of disclosures.
Section
14A-2-310
Revolving charge accounts.
Section
14A-2-310.1
Disclosure in credit and charge card applications and solicitation.
Section
14A-2-310.2
Disclosure requirements for revolving charge account plans secured by consumer's principal dwelling.
Section
14A-2-310.3
Index or rate of interest on revolving loan account plan subject to variable rate and secured by consumer's principal dwelling - Termination of account - Change of terms or conditions - Refunding of fees.
Section
14A-2-311
Consumer leases.
Section
14A-2-312
Repealed by Laws 1982, c. 335, § 59, operative Oct. 1, 1982.
Section
14A-2-313
Advertising.
Section
14A-2-401
Scope.
Section
14A-2-402
Use of multiple agreements.
Section
14A-2-403
Certain negotiable instruments prohibited.
Section
14A-2-404
When assignee not subject to defense.
Section
14A-2-405
Balloon payments.
Section
14A-2-406
Restriction on liability in consumer lease.
Section
14A-2-407
Security in sales or leases.
Section
14A-2-408
Cross-collateral.
Section
14A-2-409
Debt secured by cross-collateral.
Section
14A-2-410
No assignment of earnings.
Section
14A-2-411
Referral sales.
Section
14A-2-412
Notice of assignment.
Section
14A-2-413
Attorney's fees.
Section
14A-2-414
Limitation on default charges.
Section
14A-2-415
Authorization to confess judgment prohibited.
Section
14A-2-416
Change in terms of revolving charge accounts.
Section
14A-2-417
Surcharge for use of credit or debit card.
Section
14A-2-501
Definition: "Home solicitation sale".
Section
14A-2-502
Buyer's right to cancel.
Section
14A-2-503
Form of agreement or offer - Statement of buyer's rights.
Section
14A-2-504
Restoration of down payment - Retention of cancellation fee.
Section
14A-2-505
Duty of buyer - No compensation for services prior to cancellation.
Section
14A-2-601
Sales subject to act by agreement of parties.
Section
14A-2-602
Repealed by Laws 1982, c. 335, § 58, operative June 1, 1982.
Section
14A-2-603
Repealed by Laws 1982, c. 335, § 58, operative June 1, 1982.
Section
14A-2-604
Repealed by Laws 1982, c. 335, § 58, operative June 1, 1982.
Section
14A-2-605
Credit service charge for other sales.
Section
14A-3-101
Short title.
Section
14A-3-102
Scope.
Section
14A-3-102a
Restrictions on political subdivision orders, ordinances and regulations – Injunctive relief.
Section
14A-3-103
Definitions in artlcle.
Section
14A-3-104
Definition: "Consumer Loan".
Section
14A-3-105
Definition: "Loan primarily secured by an interest in land".
Section
14A-3-106
Definition: "Loan".
Section
14A-3-107
Definitions: "Lender"; "Precomputed"; "Principal".
Section
14A-3-108
Definition: "Revolving loan account".
Section
14A-3-109
Definition: "Loan finance charge".
Section
14A-3-201
Loan finance charge for consumer loans other than supervised loans.
Section
14A-3-202
Additional charges.
Section
14A-3-202.1
Return of dishonored check, negotiable order of withdrawal or share draft - Fee.
Section
14A-3-202.2
Repealed by Laws 1998, c. 352, § 6, emerg. eff. June 5, 1998.
Section
14A-3-203
Delinquency charges.
Section
14A-3-203.1
Credit to finance medical goods and services - Contract for delinquency charges.
Section
14A-3-203.2
Revolving loan credit card accounts - Additional charges.
Section
14A-3-204
Deferral charges.
Section
14A-3-205
Loan finance charge on refinancing.
Section
14A-3-206
Loan finance charge on consolidation.
Section
14A-3-207
Conversion to revolving loan account.
Section
14A-3-208
Advances to perform covenants of debtor.
Section
14A-3-209
Right to prepay.
Section
14A-3-210
Revolving charge accounts.
Section
14A-3-211
Fee for small loans – Payments to Consumer Credit Counseling Revolving Fund and Personal Financial Literacy Education Revolving Fund.
Section
14A-3-301
Applicability - Information required.
Section
14A-3-301.1
Federal Consumer Credit Protection Act disclosure.
Section
14A-3-302
Repealed by Laws 2014, c. 159, § 4, eff. July 1, 2014.
Section
14A-3-302.1
Disclosure of fee for dishonored check, negotiable order of withdrawal or share draft.
Section
14A-3-302.2
Disclosure of over-the-limit fees.
Section
14A-3-303
Overstatement.
Section
14A-3-304
Calculation of rate to be disclosed.
Section
14A-3-305
Loans made by telephone or mail.
Section
14A-3-306
Consumer loans not pursuant to revolving loan account.
Section
14A-3-307
Refinancing.
Section
14A-3-308
Assumption.
Section
14A-3-309
Revolving loan accounts.
Section
14A-3-309.1
Disclosure in credit and charge card applications and solicitation.
Section
14A-3-309.2
Disclosure requirements for revolving loan account plans secured by consumer's principal dwelling.
Section
14A-3-309.3
Index or rate of interest on revolving loan account plan subject to variable rate and secured by consumer's principal dwelling - Termination of account - Change of terms or conditions - Refunding of fees.
Section
14A-3-309.4
Additional disclosures for subsection 10 mortgages.
Section
14A-3-309.5
Additional disclosures for reverse mortgages.
Section
14A-3-310
Estimates of disclosures.
Section
14A-3-311
Repealed by Laws 1982, c. 335, § 59, operative Oct. 1, 1982.
Section
14A-3-312
Advertising.
Section
14A-3-313
Notification to borrower of transfer of residential mortgage loan.
Section
14A-3-401
Scope.
Section
14A-3-402
Balloon payments.
Section
14A-3-403
No assignment of earnings.
Section
14A-3-404
Attorney's fees.
Section
14A-3-405
Limitation on default charges.
Section
14A-3-406
Notice of assignment.
Section
14A-3-407
Authorization to confess judgment prohibited.
Section
14A-3-408
Change in terms of revolving loan accounts.
Section
14A-3-409
Use of multiple agreements.
Section
14A-3-410
Subsection 10 mortgages – Limitations and restrictions - Preemption.
Section
14A-3-411
Refinancing loan to subsection 10 mortgage – Borrower’s interest.
Section
14A-3-501
Definitions: "Supervised loan"; "Supervised lender".
Section
14A-3-502
Authority to make supervised loans - Administrative actions against unlicensed persons.
Section
14A-3-503
Application for license – Annual fee - Appointment of statutory agent – Bond - Criminal history check.
Section
14A-3-504
Issuance or denial of license to make supervised loans.
Section
14A-3-505
Hearing examiner - Powers - Reinstatement - Certain disclosures required of licensee.
Section
14A-3-506
Examination of licensees - Access to records - Investigations.
Section
14A-3-507
Application of Administrative Procedure Act to Part.
Section
14A-3-508A
Loan finance charge for supervised loans.
Section
14A-3-508B
Loan finance charge for loans with principal of Three Hundred Dollars or less.
Section
14A-3-508C
Electronic payment processing convenience fee.
Section
14A-3-509
Use of multiple agreements or split loans.
Section
14A-3-510
Restrictions on interest in land as security.
Section
14A-3-511
Regular schedule of payments - Maximum loan term.
Section
14A-3-512
Conduct of business other than making loans.
Section
14A-3-513
Application of other provisions.
Section
14A-3-514
Attorney's fees.
Section
14A-3-515
Restrictions on interest in motor vehicles as security.
Section
14A-3-601
Loans subject to act by agreement of parties.
Section
14A-3-602
Repealed by Laws 1982, c. 335, § 58, operative June 1, 1982.
Section
14A-3-603
Repealed by Laws 1982, c. 335, § 58, operative June 1, 1982.
Section
14A-3-604
Repealed by Laws 1982, c. 335, § 58, operative June 1, 1982.
Section
14A-3-605
Loan finance charge for other loans.
Section
14A-3-701
Short title – Oklahoma Private Student Loan Transparency and Improvement Act.
Section
14A-3-702
Definitions.
Section
14A-3-703
Prohibition on gifts – Revenue sharing.
Section
14A-3-704
Restrictions on private educational lenders.
Section
14A-3-705
Private educational loan application disclosures – Cancellation period.
Section
14A-3-801
Definitions.
Section
14A-3-802
Nonapplicability of act.
Section
14A-3-803
Agreement required.
Section
14A-3-804
Duty of attorney.
Section
14A-3-805
Form of agreement - Requirement of existing legal claim.
Section
14A-3-806
Right of rescission.
Section
14A-3-807
Disclosures.
Section
14A-3-808
Repealed by Laws 2014, c. 252, § 2, eff. July 1, 2014.
Section
14A-3-809
License required - Application.
Section
14A-3-810
Bond - Letter of credit.
Section
14A-3-811
Issuance of license.
Section
14A-3-812
Hearing.
Section
14A-3-813
Renewal of license.
Section
14A-3-814
Prohibited activities or conduct.
Section
14A-3-815
Violation of act.
Section
14A-3-816
Implementation.
Section
14A-3-817
Application of act.
Section
14A-4-101
Short title.
Section
14A-4-102
Scope - Applicability to parties.
Section
14A-4-103
Definition: "Consumer credit insurance".
Section
14A-4-104
Creditor's provision of and charge for insurance - Excess amount of charge.
Section
14A-4-105
Conditions applying to insurance to be provided by creditor.
Section
14A-4-106
Unconscionability.
Section
14A-4-107
Maximum charge by creditor for insurance.
Section
14A-4-108
Refund or credit required - Amount.
Section
14A-4-109
Existing insurance - Choice of insurer.
Section
14A-4-110
Charge for insurance in connection with a deferral, refinancing, or consolidation - Duplicate charges.
Section
14A-4-111
Cooperation between Administrator and Insurance Department.
Section
14A-4-112
Administrative action of Insurance Department.
Section
14A-4-113
Sale of insurance product in conjunction with subsection 10 mortgage – Conditions - Disclosure.
Section
14A-4-201
Term of insurance.
Section
14A-4-202
Amount of insurance.
Section
14A-4-203
Filing and approval of rates and forms.
Section
14A-4-301
Property insurance.
Section
14A-4-302
Insurance on creditor's interest only.
Section
14A-4-303
Liability insurance.
Section
14A-4-304
Cancellation by creditor.
Section
14A-5-101
Short title.
Section
14A-5-102
Scope.
Section
14A-5-103
Restrictions on deficiency judgments in consumer credit sales.
Section
14A-5-104
No garnishment before judgment.
Section
14A-5-105
Limitation on garnishment.
Section
14A-5-106
No discharge from employment for garnishment.
Section
14A-5-107
Extortionate extensions of credit.
Section
14A-5-108
Unconscionability.
Section
14A-5-201
Consumer credit sales and consumer loans.
Section
14A-5-202
Effect of violations on rights of parties.
Section
14A-5-203
Civil liability for violation of disclosure provisions.
Section
14A-5-204
Right to rescind certain transactions.
Section
14A-5-205
Refunds and penalties as set-off to obligation.
Section
14A-5-206
Closed-end consumer credit transaction secured by real property or dwelling consummated before September 30, 1995 - Nonliability of creditor.
Section
14A-5-301
Willful violations.
Section
14A-5-302
Disclosure violations.
Section
14A-6-101
Short title.
Section
14A-6-102
Applicability.
Section
14A-6-103
Administrator.
Section
14A-6-104
Powers and duties of Administrator.
Section
14A-6-105
Administrative enforcement powers with respect to supervised financial institutions.
Section
14A-6-106
Investigatory powers.
Section
14A-6-106A
Repealed by Laws 2010, c. 415, § 37, eff. July 1, 2010.
Section
14A-6-107
Application of Administrative Procedure Act.
Section
14A-6-108
Administrative enforcement orders - Review.
Section
14A-6-109
Assurance of discontinuance.
Section
14A-6-110
Injunctions against violations of act.
Section
14A-6-111
Injunctions against unconscionable agreements and fraudulent or unconscionable conduct.
Section
14A-6-112
Temporary relief.
Section
14A-6-113
Civil actions by Administrator.
Section
14A-6-114
Jury trial.
Section
14A-6-115
Debtors' remedies not affected.
Section
14A-6-116
Report on conclusion of examination – Preservation of examinations and reports.
Section
14A-6-117
Designation as public records – Other records confidential.
Section
14A-6-117.1
Availability of data to agencies with direct supervisory authority.
Section
14A-6-201
Applicability.
Section
14A-6-202
Notification.
Section
14A-6-203
Fees.
Section
14A-6-301
Consumer Credit Administrative Expenses Revolving Fund.
Section
14A-6-302
Commission on Consumer Credit - Prescription of fees.
Section
14A-6-303
Deposit of fees in Consumer Credit Administrative Expenses Revolving Fund.
Section
14A-6-501
Department of Consumer Credit - Commission on Consumer Credit - Administrator of Consumer Credit - Consumer Credit Advisory Committee.
Section
14A-6-502
Members of Commission.
Section
14A-6-503
Appointment of Commission members - Terms of office - Bipartisan composition.
Section
14A-6-504
Chairman - Meetings - Quorum - Minutes - Reports - Records - Rules and regulations.
Section
14A-6-505
Repealed by Laws 1985, c. 178, § 81, operative July 1, 1985.
Section
14A-6-506
Qualifications and remuneration of administrator.
Section
14A-6-507
Deputy Administrator.
Section
14A-6-508
Bond.
Section
14A-6-509
Internal organization.
Section
14A-6-510
Employees - Duties - Compensation.
Section
14A-6-511
Repealed by Laws 1979, c. 101, § 4, emerg. eff. April 25, 1979 and Laws 1979, c. 152, § 4, eff. July 1, 1979.
Section
14A-6-512
Repealed by Laws 2010, c. 415, § 37, eff. July 1, 2010.
Section
14A-9-101
Time of taking effect - Provisions for transition.
Section
14A-9-102
Repealed by Laws 1980, c. 68, § 1, emerg. eff. April 10, 1980.
Section
14A-9-103
Repealed by Laws 1980, c. 68, § 1, emerg. eff. April 10, 1980.