§46A-3-109a. Collateral Protection Insurance
(a) As used in this section: (1) "Collateral" means any or all property pledged to secure payment, repayment or performance under a credit agreement, whether personal property, real property, fixtures, inventory, receivables, rights, privileges or otherwise.
§46A-3-110. Right to Prepay
(1) Subject to the provisions on rebate upon prepayment, the consumer may repay in full the unpaid balance of a consumer credit sale or a consumer loan, refinancing or consolidation at any time without penalty.
§46A-3-111. Application of Payments on Account; Rebate Upon Prepayment, Refinancing or Consolidation; Judgments and Interest on Judgments
(a) All payments made to a creditor in accordance with the terms of a precomputed consumer credit sale or consumer loan shall be applied to installments in the order in which they fall due. (b) All payments made to a creditor which do not comply with the terms of a precomputed consumer credit sale or […]
§46A-3-112. Delinquency Charges on Precomputed Consumer Credit Sales or Consumer Loans
(1) With respect to a precomputed consumer credit sale or consumer loan, refinancing or consolidation, the parties may contract for a delinquency charge on any installment not paid in full within ten days after its scheduled due date in an amount not exceeding the greater of:
§46A-3-113. Delinquency Charges on Nonprecomputed Consumer Credit Sales or Consumer Loans Repayable in Installments
(1) In addition to the continuation of the sales finance charge or loan finance charge on a delinquent installment with respect to a nonprecomputed consumer credit sale or consumer loan, refinancing or consolidation, repayable in installments, the parties may contract for a delinquency charge on any installment not paid in full within ten days after […]
§46A-3-114. Deferral and Modification Charges
(1) With respect to a precomputed consumer credit sale or consumer loan, refinancing or consolidation, the parties before or after default may agree in writing to a deferral of all or part of one or more unpaid installments, and the seller or lender may make and collect a deferral charge not exceeding the amount of […]
§46A-3-115. Advances to Perform Covenants of Consumer
(1) If the agreement with respect to a consumer credit sale or a consumer loan, refinancing or consolidation contains covenants by the consumer to perform certain duties pertaining to insuring or preserving collateral or payment of taxes, fees or assessments and if the creditor pursuant to the agreement pays for performance of such duties on […]
§46A-3-116. Change in Terms of Revolving Charge Accounts or Revolving Loan Accounts
(1) If a creditor makes a change in the terms of a revolving charge account or revolving loan account without complying with this section, any additional cost or charge to the consumer resulting from the change is an excess charge and subject to the remedies provided in this chapter.
§46A-3-117. Alternative Finance Charges Authorized
Notwithstanding any other provisions of this chapter, a person making any sale or loan subject to the provisions of this chapter, may charge a sales finance charge, loan finance charge or rate of interest for such sale or loan not exceeding the charge or interest permitted by the provisions of section thirty-a, article four, chapter […]
§46A-3-105. Maximum Rate on Loans and Credit Sales Guaranteed or Insured by United States or Agency Thereof
Nothing contained in this chapter or other law of this state shall be taken or construed as limiting the permissible interest rates or finance charges upon loans or credit sales evidenced by notes, bonds or other obligations secured by mortgages, deeds of trust or other security instruments insured or guaranteed by the federal housing commissioner […]