|
LEGAL TENDER |
|
|
|
408.010
|
Silver a legal tender. (8/28/1939) |
![]()
|
|
|
INTEREST |
|
|
|
408.015
|
Definitions. (3/1/2011) |
![]()
|
|
|
408.020
|
When no rate of interest is agreed upon, nine percent allowed as legal ... (8/28/1979) |
![]()
|
|
|
408.030
|
Interest, maximum rate allowed — penalty for overcharge, limitation on ... (7/3/1979) |
![]()
|
|
|
408.031
|
Fee in lieu of interest may be charged on loan — exception. (8/28/1979) |
![]()
|
|
|
408.032
|
Recording fees. (8/28/2004) |
![]()
|
|
|
408.035
|
Unlimited interest, when allowed. (6/24/1997) |
![]()
|
|
|
408.036
|
Prepayment penalty by lender prohibited, exception — maximum permitted, ... (8/28/1998) |
![]()
|
|
|
408.040
|
Interest on judgments, how regulated — prejudgment interest allowed when, ... (1/15/2015) |
![]()
|
|
|
408.050
|
Excess interest paid recoverable with costs and attorney fee. (8/28/1939) |
![]()
|
|
|
408.052
|
Points prohibited, exception — penalties for illegal points — violation a ... (7/10/2012) |
![]()
|
|
|
408.060
|
Defendant may plead usury — judgment, how rendered — corporations cannot ... (8/28/1939) |
![]()
|
|
|
408.070
|
Usurious interest — security agreement invalid. (8/28/1965) |
![]()
|
|
|
408.080
|
Interest may be paid on interest — compounding limited to once a month — ... (8/28/1992) |
![]()
|
|
|
408.081
|
Validity of certain existing contract not to be affected, when. (8/28/1992) |
![]()
|
|
|
408.083
|
Credit contracts, prepayment before maturity, computation of interest. (7/1/2003) |
![]()
|
|
|
408.090
|
Demand loans where only securities are pledged not subject to usury laws. (8/28/1974) |
![]()
|
|
|
408.092
|
Attorney fees, enforcement of credit agreements, limitations. (8/28/1997) |
![]()
|
|
|
408.095
|
Charging interest of more than two percent per month a misdemeanor, exceptions. (1/9/1975) |
![]()
|
|
|
408.096
|
Loan arrangement, excess fee prohibited for certain transactions — penalty. (8/28/1979) |
![]()
|
|
|
INTEREST ON SMALL LOANS |
|
|
|
408.100
|
Applicability of section — rate of interest. (8/28/1998) |
![]()
|
|
|
408.105
|
Precomputed loans, extensions, fee, limitations. (8/28/1985) |
![]()
|
|
|
408.110
|
Short title — applicability of sections 408.120 to 408.190. (8/28/1996) |
![]()
|
|
|
408.120
|
Interest computed and paid, how. (8/28/1981) |
![]()
|
|
|
408.130
|
Borrower to receive statement of contract — contents — prepayment effect — ... (8/28/1994) |
![]()
|
|
|
408.140
|
Additional charges or fees prohibited, exceptions — no finance charges if ... (8/28/2017) |
![]()
|
|
|
408.145
|
Fees for credit cards issued in contiguous states. (1/1/1999) |
![]()
|
|
|
408.150
|
Lender can not receive excess interest — failure by lender to return excess ... (8/28/1982) |
![]()
|
|
|
408.160
|
False advertising prohibited. (8/28/1951) |
![]()
|
|
|
408.170
|
Contracts paid in full before due date — recomputations of interest — ... (7/1/2003) |
![]()
|
|
|
408.175
|
Interest rate when maturity of note or contract accelerated. (8/28/1959) |
![]()
|
|
|
408.178
|
Deferral of monthly loan payments, fee authorized for certain loans. (8/28/2004) |
![]()
|
|
|
408.180
|
Authority of director to verify interest rates charged. (8/28/1951) |
![]()
|
|
|
408.190
|
Certain loans exempt from sections 408.120 to 408.180, and 408.200. (8/28/2004) |
![]()
|
|
|
408.193
|
Credit cards, no derogatory reports to credit agencies for carrying a zero ... (1/1/1999) |
![]()
|
|
|
408.200
|
Borrower not to be indebted on two or more contracts with same lender, when. (8/28/1998) |
![]()
|
|
|
408.210
|
Assignment of wages or compensation — excess over loan deemed interest. (8/28/1951) |
![]()
|
|
|
408.213
|
Changes to certain sections remedial only. (8/28/2004) |
![]()
|
|
|
SECOND MORTGAGE LOANS |
|
|
|
408.231
|
Definitions. (8/28/1994) |
![]()
|
|
|
408.232
|
Rates and terms. (8/28/2004) |
![]()
|
|
|
408.233
|
Additional charges authorized. (8/28/2011) |
![]()
|
|
|
408.234
|
Minimum amount of loan — collateral — prepayment rights, method of computation. (8/28/2000) |
![]()
|
|
|
408.235
|
Director may examine certain lenders. (8/28/1994) |
![]()
|
|
|
408.236
|
Recovery of interest barred, when, exceptions — actions taken or omitted in ... (8/28/1994) |
![]()
|
|
|
408.237
|
Applicability of sections 408.231 to 408.241. (8/28/1994) |
![]()
|
|
|
408.240
|
Penalties — actions taken or omitted in reliance on written interpretation ... (8/28/1994) |
![]()
|
|
|
408.241
|
Prepayment fee, second mortgage loans, allowed when. (3/7/1991) |
![]()
|
|
|
RETAIL CREDIT SALES |
|
|
|
408.250
|
Definitions. (3/1/2011) |
![]()
|
|
|
408.260
|
Time contract, how executed — required contents — additional notes to cut ... (8/28/1975) |
![]()
|
|
|
408.270
|
Retail time contracts negotiated by mail — delivery unnecessary — notice of ... (8/28/1961) |
![]()
|
|
|
408.280
|
Insurance purchased to secure retail time contract, regulation. (8/28/1989) |
![]()
|
|
|
408.290
|
Retail charge agreement — form — delivery to buyer — contents. (8/28/1975) |
![]()
|
|
|
408.300
|
Time charges, amount authorized on retail time contracts — retail charge ... (8/28/2011) |
![]()
|
|
|
408.310
|
Assignments of retail time contracts and charge agreements — notice to ... (8/28/1961) |
![]()
|
|
|
408.320
|
Buyer may pay retail time contract debt before maturity — refund of charges. (7/1/2003) |
![]()
|
|
|
408.330
|
Delinquency and collection charges permitted — insurance premium in lieu of ... (8/28/2017) |
![]()
|
|
|
408.340
|
Applicability to prior transactions. (8/28/1961) |
![]()
|
|
|
408.350
|
Waiver of provisions void. (8/28/1961) |
![]()
|
|
|
408.360
|
Citation of law. (8/28/1961) |
![]()
|
|
|
408.365
|
Acceleration clauses, repossession or confession of judgment by power of ... (8/28/1975) |
![]()
|
|
|
408.370
|
Violation, penalty — effect on time and other charges — correction. (8/28/1975) |
![]()
|
|
|
408.375
|
Retail installment agreement, deemed signed or accepted, when. (8/28/1998) |
![]()
|
|
|
408.380
|
Sale of certain financial products and plans associated with certain loan ... (8/28/2011) |
![]()
|
|
|
BUYER'S DEFENSES AGAINST HOLDER OF CREDIT INSTRUMENT |
|
|
|
408.400
|
Definitions. (8/28/1983) |
![]()
|
|
|
408.405
|
Defenses or setoffs arising from transaction good against holder of ... (8/28/1974) |
![]()
|
|
|
408.410
|
Exempt transactions. (8/28/1974) |
![]()
|
|
|
408.415
|
Chapter 400 is modified by provisions of sections 408.400 to 408.415. (8/28/1974) |
![]()
|
|
|
408.455
|
Variable rate agreements subject to certain provisions. (8/28/2003) |
![]()
|
|
|
LENDERS OF UNSECURED LOANS OF $500 OR LESS |
|
|
|
408.500
|
Unsecured loans of five hundred dollars or less, licensure of lenders, ... (8/28/2015) |
![]()
|
|
|
408.505
|
Term of loans, charges permitted, repayment, return check charge. (8/28/2002) |
![]()
|
|
|
408.506
|
Report to the general assembly, contents. (8/28/2002) |
![]()
|
|
|
408.510
|
Licensure of consumer installment lenders — interest and fees allowed. (8/28/2002) |
![]()
|
|
|
408.512
|
Loans by traditional installment loan lenders. (8/28/2020) |
![]()
|
|
|
LOAN DISCRIMINATION |
|
|
|
408.550
|
Discrimination prohibited — damages recoverable. (8/28/1979) |
![]()
|
|
|
DEFAULTS |
|
|
|
408.551
|
Applicability of sections 408.551 to 408.562 — credit transaction defined. (8/28/1998) |
![]()
|
|
|
408.552
|
Enforceability of default provisions. (8/28/1979) |
![]()
|
|
|
408.553
|
Recovery limitation. (8/28/1979) |
![]()
|
|
|
408.554
|
Notice of default, contents, form, delivery. (8/28/1992) |
![]()
|
|
|
408.555
|
Acceleration, repossession and cancellation restricted — required ... (8/28/2006) |
![]()
|
|
|
408.556
|
Actions arising from default, contents of petition — default judgment ... (8/28/2002) |
![]()
|
|
|
408.557
|
Notice required before deficiency action may be commenced. (8/28/2002) |
![]()
|
|
|
408.558
|
Security interests not to be taken, when. (8/28/1979) |
![]()
|
|
|
408.560
|
Unenforceable provisions in note or credit contract. (8/28/1979) |
![]()
|
|
|
408.562
|
Damages recoverable for violation. (8/28/1979) |
![]()
|
|
|
RESIDENTIAL REAL ESTATE LOANS |
|
|
|
408.570
|
Definitions. (8/28/2008) |
![]()
|
|
|
408.575
|
Denial of loans prohibited, when, reasons for. (1/1/1980) |
![]()
|
|
|
408.580
|
Applications to be accepted — written reasons for rejection required — ... (8/28/1995) |
![]()
|
|
|
408.585
|
Limitation on requirements of sections 408.570 to 408.600. (1/1/1980) |
![]()
|
|
|
408.590
|
Division directors, report to governor and department director, contents. (8/28/2013) |
![]()
|
|
|
408.595
|
Financial institutions to make other annual report, contents. (1/1/1980) |
![]()
|
|
|
408.600
|
Division directors to enforce provisions of sections 408.570 to 408.600 — ... (8/28/2013) |
![]()
|
|
|
RIGHT TO FINANCIAL PRIVACY ACT |
|
|
|
408.675
|
Citation of law — definitions. (8/28/1989) |
![]()
|
|
|
408.677
|
Government access to records, when — requirements. (8/28/1989) |
![]()
|
|
|
408.680
|
Financial institution may not disclose, exceptions, requirements. (8/28/1989) |
![]()
|
|
|
408.682
|
Customer authorization, requirements. (8/28/1989) |
![]()
|
|
|
408.683
|
Subpoena, government may obtain records with, when — procedure — notice ... (8/28/1989) |
![]()
|
|
|
408.685
|
Delay of notice, allowed when — postdisclosure notice, form of. (8/28/1989) |
![]()
|
|
|
408.686
|
Challenge to subpoena — procedure, appeals. (8/28/1989) |
![]()
|
|
|
408.687
|
Financial institution to assemble records upon subpoena — delivery of ... (8/28/1989) |
![]()
|
|
|
408.689
|
Transfer of records to additional agency, allowed when — notice. (8/28/1989) |
![]()
|
|
|
408.690
|
Nonprohibited disclosure activities. (8/28/1989) |
![]()
|
|
|
408.692
|
Law not applicable to government authority, when — procedure. (8/28/1989) |
![]()
|
|
|
408.693
|
Fee paid to financial institution, amount, how determined. (8/28/1989) |
![]()
|
|
|
408.695
|
Statute of limitations. (8/28/1989) |
![]()
|
|
|
408.696
|
Civil liability for violation, amount — disciplinary action against agency ... (8/28/1989) |
![]()
|
|
|
408.697
|
Injunctive relief, allowed when. (8/28/1989) |
![]()
|
|
|
408.699
|
Statute of limitations, tolled when. (8/28/1989) |
![]()
|
|
|
408.700
|
Subpoena issued under authority of grand jury, records, use of. (8/28/1989) |
![]()
|
|
|
SAVINGS PROMOTION |
|
|
|
408.800
|
Definitions. (8/28/2016) |
![]()
|
|
|
408.805
|
Savings promotion program authorized, conditions. (8/28/2016) |
![]()
|
|
|
408.810
|
Compliance with federal American Savings Promotion Act. (8/28/2016) |
![]()
|
|
|
408.815
|
Programs not gambling, gaming, lottery, raffle, or sweepstake. (8/28/2016) |
![]()
|
|
