This chapter shall not affect or apply to any loans or to the business of making loans under the laws of this State, nor shall any of the provisions of the loan or interest statutes of this State affect or apply to any retail installment transaction. Nothing in this chapter shall be construed to impair or in any way affect any rule of law applicable to or governing retail installment sales not otherwise subject hereto. This chapter shall apply exclusively to all retail installment transactions as defined in section 2351 of this title. This chapter shall not apply to commercial leases. (Added 1961, No. 227, § 9, eff. Jan. 1, 1962; amended 1989, No. 122, § 10, eff. June 30, 1989; 1989, No. 284 (Adj. Sess.), § 2.)