Section 28-43-405 – DUTY OF BUYER — NO COMPENSATION FOR SERVICES BEFORE CANCELLATION.
28-43-405. DUTY OF BUYER — NO COMPENSATION FOR SERVICES BEFORE CANCELLATION. Except as provided by the provisions on retention of goods by the buyer, subsection (3) of section 28-43-404, Idaho Code, and allowing for ordinary wear and tear or consumption of the goods contemplated by the transaction, within a reasonable time after a home solicitation […]
Section 28-43-306 – CERTAIN NEGOTIABLE INSTRUMENTS PROHIBITED.
28-43-306. CERTAIN NEGOTIABLE INSTRUMENTS PROHIBITED. With respect to a regulated consumer credit sale, the creditor may not take a negotiable instrument other than a check dated not later than ten (10) days after its issuance as evidence of the obligation of the debtor. History: [28-43-306, added 1983, ch. 119, sec. 3, p. 284.]
Section 28-43-101 – SHORT TITLE.
28-43-101. SHORT TITLE. This chapter shall be known and may be cited as the Idaho Credit Code — Regulation of Agreements and Practices. History: [28-43-101, added 1983, ch. 119, sec. 3, p. 281.]
Section 28-43-201 – COMPLIANCE WITH FEDERAL CONSUMER CREDIT PROTECTION ACT.
28-43-201. COMPLIANCE WITH FEDERAL CONSUMER CREDIT PROTECTION ACT. A person upon whom the Federal Consumer Credit Protection Act, including regulations promulgated pursuant thereto, imposes duties or obligations, shall make or give to the debtor the disclosures, information, and notices required of him by that act and in all respects comply with that act. This section […]
Section 28-43-202 – NOTICE OF ASSIGNMENT.
28-43-202. NOTICE OF ASSIGNMENT. A debtor may pay the original creditor until he receives notification of assignment of rights to payment pursuant to a regulated consumer credit transaction and that payment is to be made to the assignee. A notification which does not reasonably identify the rights assigned is ineffective. If requested by the debtor, […]
Section 28-43-203 – CHANGE IN TERMS OF OPEN-END CONSUMER CREDIT ACCOUNTS.
28-43-203. CHANGE IN TERMS OF OPEN-END CONSUMER CREDIT ACCOUNTS. Whether or not a change is authorized by prior agreement, a creditor may change the terms of an open-end consumer credit account applying to any balance incurred before or after the effective date of the change. History: [28-43-203, added 1983, ch. 119, sec. 3, p. 282.]
Section 28-43-204 – RECEIPTS — STATEMENTS OF ACCOUNT — EVIDENCE OF PAYMENT.
28-43-204. RECEIPTS — STATEMENTS OF ACCOUNT — EVIDENCE OF PAYMENT. (1) The creditor shall deliver or mail to the debtor, without request, a written receipt for each payment by coin or currency on an obligation pursuant to a regulated consumer credit transaction. A periodic statement showing a payment received by mail complies with this subsection. […]
Section 28-43-205 – FORM OF INSURANCE PREMIUM LOAN AGREEMENT.
28-43-205. FORM OF INSURANCE PREMIUM LOAN AGREEMENT. An agreement pursuant to which an insurance premium loan is made shall contain the names of the insurance agent or broker negotiating each policy or contract and of the insurer issuing each policy or contract, the number and inception date of, and premium for, each policy or contract, […]
Section 28-43-301 – SECURITY IN SALES.
28-43-301. SECURITY IN SALES. (1) With respect to a regulated consumer credit sale, a seller may take a security interest in the property sold. In addition, a seller may take a security interest in goods upon which services are performed or in which goods sold are installed or to which they are annexed, or in […]
Section 28-43-302 – CROSS-COLLATERAL.
28-43-302. CROSS-COLLATERAL. (1) In addition to contracting for a security interest pursuant to the provisions on security in sales, section 28-43-301, Idaho Code, a seller in a regulated consumer credit sale may secure the debt arising from the sale by contracting for a security interest in other property if, as a result of a prior […]