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	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. (8/28/2024)
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. (8/28/2021)
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 ... (8/28/2024)
408.145	Credit cards issued in contiguous states, terms and conditions — definitions. (8/28/2023)
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. (8/28/2021)
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. (8/28/2021)
408.234	Collateral — prepayment rights, method of computation. (8/28/2021)
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. (8/28/2021)
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, ... (8/28/2023)
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. (8/28/2021)
408.554	Notice of default, contents, form, delivery. (8/28/2021)
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)

- Cross References
	Annual interest rate for department of revenue to be calculated by state treasurer, 32.068, 32.069
	Credit cards accepted for payment of taxes and fees by department of revenue, charge for card use, when, 32.063
	Loan brokers, advance fees prohibited, 367.305
	Pawnbroker loans, interest rate, 367.021
	Persons, firms and corporations not subject to administrative penalties for acts performed in reliance on written interpretations of this chapter by division of finance, 361.729
	Regulation of small loans, 367.100 to 367.215
	Retail credit financing institutions, Chap. 364
	Written interpretations of this chapter, reliance upon as defense to administrative action, 361.729