How to Locate Banking and Consumer Credit Laws in the Iowa Code
Chapter 524: Banks
Chapter 527: Electronic Transfer of Funds
Chapter 533A: Debt Management
Chapter 533B: Sale of Certain Instruments for Payment of Money
Chapter 533D: Delayed Deposit Services
Chapter 535: Money and Interest
Chapter 535A: Mortgage Loans-Red-Lining
Chapter 535B: Mortgage Bankers and Brokers
Chapter 536: Regulated Loans
Chapter 536A: Industrial Loans
Chapter 536C: Lender Credit Cards
Chapter 537: Consumer Credit Code
Chapter 556: Disposition of Unclaimed Property

 

Locating Banking and Consumer Credit Laws

In the Iowa Code



To locate banking and consumer credit laws in the Iowa Code follow these steps: (Note: Click here to get a copy of these instructions for reference.)

  1. Select the Chapter and Section you wish to review from the Table of Contents below. For example: 524.103 would refer to Chapter 524 and Section 103. It is recommended you write down the Chapter and Section for reference purposes.


  2. Then click on a "Code of Iowa" icon below.


  3. Enter the Chapter and Section number you wish to review and then click on the "Get Section" button.


  4. If you would like to conduct a query of a specific subject or phrase, click on "Search: Code 1997".
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HELPFUL HINT: When the listing for your query appears, many sections may be listed which do not apply to banking or mortgage banks. Most of the time, the sections that will apply to banks and mortgage bankers will include, but not be limited to, sections beginning with 524, 527, 533, 533A, 533B, 533D, 535, 535A, 535B, 536, 536A, 535C, 537, and 556.

After you have completed your review in the "Code of Iowa", you can return to this page by using the "back" key on your browser.



 

CHAPTER 524

BANKS

DIVISION I

GENERAL PROVISIONS

524.101 Short title.

524.102 Statement of intent.

524.103 Definitions.

524.104 Rules of construction.

524.105 Effect on existing banks.

524.106 Renewal of the corporate existence of an existing state bank. Repealed by 95 Acts, ch 148, §135.

524.107 Persons authorized to engage in banking business-educational bank.

524.108 Applicability of safe deposit provisions.

524.109 Bankers' bank authorized-authority to hold shares of bankers' bank.

DIVISION II

DIVISION OF BANKING

524.201 Superintendent of banking.

524.202 Superintendent-salary.

524.203 Superintendent-vacancy.

524.204 Deputy superintendent of banking.

524.205 State banking board.

524.206 Banking division created.

524.207 Expenses of the banking division-fees.

524.208 Assistants, examiners, and other employees.

524.209 Expenses.

524.210 Insurance and surety bonds.

524.211 Prohibitions relating to banking division personnel.

524.212 Prohibition against disclosure of regulatory information.

524.213 Duties and powers of superintendent.

524.214 Subpoena-contempt.

524.215 Records of division of banking.

524.216 Annual report of superintendent.

524.217 Examinations.

524.218 Regulation and examination of services.

524.219 Fees.

524.220 Reports to superintendent.

524.221 Preservation of bank records-statute of limitations.

524.222 Meetings of the board of directors called by superintendent.

524.223 Power of superintendent to issue orders.

524.224 Grounds for management of state bank by superintendent.

524.225 Procedures-judicial review.

524.226 Management of state bank by superintendent.

524.227 Enforcement of Iowa consumer credit code.

524.228 Interim cease and desist order-final order-suspension.

DIVISION III

INCORPORATION

524.301 Incorporators.

524.302 Articles of incorporation.

524.303 Application for approval.

524.304 Publication of notice.

524.305 Approval by superintendent.

524.306 Incorporation of state bank.

524.307 Organization of state bank.

524.308 Issuance of authorization to do business.

524.309 Publication of authorization to do business.

524.310 Name of state bank.

524.311 Commission for organizing state banks.

524.312 Location of state bank-exceptions.

524.313 Bylaws.

524.314 Renewal of corporate existence of existing state bank.

DIVISION IV

CAPITAL STRUCTURE

524.401 Minimum capital.

524.402 Surplus. Repealed by 95 Acts, ch 148, §135.

524.403 Undivided profits. Repealed by 95 Acts, ch 148, §135.

524.404 Capital notes and debentures.

524.405 Increase or decrease of capital structure.

DIVISION V

SHARES, SHAREHOLDERS, AND DIVIDENDS

524.501 through 524.517 Transferred to §524.521, 524.523-524.525, 524.527, 524.528, 524.531-524.533, 524.535-524.539, and 524.541-524.543 respectively in Code Supplement 1995.

524.518 Redemption of preferred shares. Repealed by 95 Acts, ch 148, §135.

524.519 and 524.520 Transferred to §524.544 and 524.545 in Code Supplement 1995.

524.521 Authorized shares.

524.522 Terms of class or series determined by board of directors.

524.523 Certificates representing shares.

524.524 Consideration for shares.

524.525 Subscription for shares before incorporation.

524.526 Fractional shares.

524.527 Liability of shareholders.

524.528 Shareholders' preemptive rights.

524.529 Preemptive rights for existing state banks.

524.530 State bank's acquisition of its own shares.

524.531 Loaning on its own shares.

524.532 Meetings of shareholders.

524.533 Notice of shareholder meetings-waiver of notice generally.

524.534 Action without meeting.

524.535 Transfer books-fixing record date.

524.536 Voting list.

524.537 Quorum of shareholders.

524.538 Voting of shares.

524.539 Voting trust.

524.540 Voting agreements.

524.541 Lists-filing with superintendent.

524.542 Dividends.

524.543 Distribution of shares of state bank.

524.544 Change of control-certificate of approval-shares as security-reports.

524.545 Options for shares.

DIVISION VI

DIRECTORS

524.601 Board of directors.

524.602 Board of directors-election.

524.603 Vacancies.

524.604 Duties and responsibilities.

524.605 Liability of directors in certain cases.

524.606 Removal of directors.

524.607 Meetings-waiver of notice-quorum.

524.608 Auditing procedures.

524.609 Executive and other committees.

524.610 Compensation of directors.

524.611 Oath of directors.

524.612 Director dealing with state bank.

524.613 Prohibitions applicable to certain financial transactions involving directors.

524.614 Honorary and advisory directors.

DIVISION VII

OFFICERS AND EMPLOYEES

524.701 Officers and employees.

524.702 Officers-duties and liability.

524.703 Officers and employees-employment and compensation.

524.704 Employee-employment and compensation. Repealed by 95 Acts, ch 148, §135.

524.705 Bonds of officers and employees.

524.706 Officer dealing with state bank.

524.707 Removal of officers or employees.

524.708 Report of change in officer personnel.

524.709 Duty to make records available to 524.710. Prohibitions applicable to certain financial transactions involving officers and employees.

DIVISION VIII

GENERAL BANKING POWERS

524.801 General powers.

524.802 Additional powers of a state bank.

524.803 Business property of state bank.

524.804 Data processing services.

524.805 Deposits.

524.806 Deposit in the names of two or more individuals.

524.807 Payment of deposited funds.

524.808 Adverse claims to deposits.

524.809 Authority to lease safe deposit boxes.

524.810 Search procedure on death.

524.811 Adverse claims to property in safe deposit and safekeeping.

524.812 Remedies and proceedings for nonpayment of rent on safe deposit box.

524.813 Authority to receive property for safekeeping.

524.814 Pledge of assets.

524.815 Deposits by a state bank.

524.816 Account insurance.

524.817 Repealed by 81 Acts, ch 173, §11.

524.818 Indebtedness of state bank.

524.819 Clearing checks at par.

524.820 Money received for transmission.

524.821 Electronic transmission of funds- restrictions.

524.822 through 524.824 Reserved.

524.825 Securities activities.

DIVISION IX

INVESTMENT AND LENDING POWERS

524.901 Investments.

524.902 General lending powers of a state bank.

524.903 Purchase and sale of drafts and bills of exchange.

524.904 Loans and extensions of credit to one borrower.

524.905 Loans on real property.

524.906 Installment loans by state banks. Repealed by 89 Acts, ch 257, §33.

524.907 Participations.

524.908 Leasing of personal property.

524.909 Loans and investments by officer.

524.910 Property acquired to satisfy debts previously contracted.

524.911 Letters of credit.

524.912 Customer shall be free to obtain own insurance and loan.

524.913 Consumer loans.

DIVISION X

FIDUCIARY POWERS

524.1001 Power to act as fiduciary.

524.1002 Actions required, permitted or prohibited in a fiduciary capacity.

524.1003 Removal of fiduciary powers.

524.1004 Voluntary relinquishment of fiduciary capacity.

524.1005 Trust companies operating on January 1, 1970.

524.1006 Banks depositing securities in federally regulated corporation.

524.1007 Succession of fiduciary accounts to an affiliate.

524.1008 Succession of fiduciary accounts to an independent bank.

524.1009 Succession to fiduciary accounts and appointments-application for appointment of new fiduciary.

DIVISION XI

AFFILIATES

524.1101 Definitions.

524.1102 Loans and other transactions with affiliates.

524.1103 Exceptions.

524.1104 Applicability of general loan limitations.

524.1105 Examination of affiliates and reports.

524.1106 Fees paid to an affiliate-approval by superintendent.

DIVISION XII

OFFICES

524.1201 General provisions.

524.1202 Location of offices.

524.1203 Cancellation of approval of offices.

524.1204 Privileges extended to national banks.

524.1205 Establishment of branch or office in other state-superintendent's authority to regulate.

524.1206 through 524.1211 Reserved.

524.1212 Location of satellite terminals.

524.1213 United community bank offices.

DIVISION XIII

DISSOLUTION

524.1301 Dissolution by incorporators or initial directors.

524.1302 Involuntary dissolution prior to commencement of business.

524.1303 Voluntary dissolution after commencement of business.

524.1304 Voluntary dissolution-approval.

524.1304A Articles of dissolution.

524.1305 Voluntary dissolution proceedings- winding up.

524.1306 Revocation of voluntary dissolution proceedings.

524.1307 Articles of dissolution. Repealed by 95 Acts, ch 148, §135.

524.1308 Certificate of dissolution. Repealed by 95 Acts, ch 148, §135.

524.1308A Known claims against dissolved state bank.

524.1308B Unknown claims against dissolved state bank.

524.1309 Becoming subject to chapter 490.

524.1310 Involuntary dissolution after commencement of business- superintendent as receiver.

524.1311 Involuntary dissolution after commencement of business- receivership procedure.

524.1312 Distribution of assets upon insolvency.

524.1313 Involuntary dissolution after commencement of business-tender of receivership to F.D.I.C.

524.1314 Survival of rights and remedies after dissolution or expiration-preservation of records.

DIVISION XIV

MERGER, CONSOLIDATION, AND CONVERSION

524.1401 Authority to merge.

524.1402 Requirements for a merger.

524.1403 Approval of merger by superintendent.

524.1404 Procedure after approval by the superintendent-issuance of certificate of merger.

524.1405 Effect of merger.

524.1406 Rights of dissenting shareholders.

524.1407 Succession to fiduciary accounts and appointments-application for appointment of new fiduciary. Repealed by 95 Acts, ch 148, §135.

524.1408 Merger of corporation substantially owned by a state bank.

524.1409 Authority for conversion of national bank into state bank.

524.1410 Application for approval by superintendent.

524.1411 Articles of conversion.

524.1412 Publication of notice.

524.1413 Approval of conversion by superintendent.

524.1414 Receipt by secretary of state-county recorder.

524.1415 Effect of filing of articles of conversion with secretary of state.

524.1416 Authority for conversion of state bank into national bank.

524.1417 Rights of dissenting shareholder of converting state or national bank.

524.1418 Succession to fiduciary accounts and appointments-application for appointment of new fiduciary.

524.1419 Offices of a resulting state bank.

524.1420 Nonconforming assets of resulting state bank.

DIVISION XV

AMENDMENT TO ARTICLES OF INCORPORATION

524.1501 Authority to amend.

524.1502 Procedure to amend.

524.1503 Voting on amendments by voting groups.

524.1504 Articles of amendment.

524.1505 Approval of articles of amendment.

524.1506 Certificate of amendment.

524.1507 Change of location of principal place of business. Repealed by 95 Acts, ch 148, §135.

524.1508 Restated articles of incorporation.

524.1509 Reverse stock split.

524.1510 Effect of amendment

DIVISION XVI

PENALTIES

524.1601 Penalties and criminal provisions applicable to directors, officers and employees of state banks.

524.1602 Penalties applicable to state bank.

524.1603 Engaging in business unlawfully.

524.1604 Failure to file report or make statement.

524.1605 False statements, reports and felonious acts.

524.1606 Fraudulent advertising or notice.

524.1607 False statement for credit.

524.1608 Penalty for accepting deposits while insolvent.

524.1609 False statements concerning state banks.

524.1610 Violation of prohibition against receiving a commission for organizing a state bank.

524.1611 Offenses involving employees of banking division.

DIVISION XVII

PRIVATE BANKS

524.1701 through 524.1703 Repealed by 95 Acts, ch 148, §135.

DIVISION XVIII

BANK HOLDING COMPANIES

524.1801 Definitions.

524.1802 Limitation.

524.1803 Offer to purchase stock.

524.1804 Notice of acquisition.

524.1805 Restrictions on acquisitions and mergers.

524.1806 Banks owned or controlled-officers and directors.

524.1807 Penalties.

524.1808 Insurance sales.

DIVISION XIX

REGIONAL BANKING

524.1901 through 524.1911 Repealed by 96 Acts, ch 1056, §24.

524.1912 Insurance sales. Transferred to §524.1808 in Code 1997.

524.1913 Prohibited acquisitions. Repealed by 90 Acts, ch 1266, §61(3).

DIVISION XX

APPLICABILITY

524.2001 Applicability of other chapters.



CHAPTER 527

ELECTRONIC TRANSFER OF FUNDS



527.1 Statement of intent.

527.2 Definitions.

527.3 Enforcement.

527.4 Establishment of satellite terminals- restrictions.

527.5 Satellite terminal requirements.

527.6 Disclosure of terms. Repealed by 95 Acts, ch 66, §5.

527.7 Records maintained.

527.8 Liability and errors. Repealed by 95 Acts, ch 66, §5.

527.8A Exemptions.

527.9 Central routing units.

527.10 Confidentiality.

527.11 Rulemaking.

527.12 Revocation of privilege.

CHAPTER 533A

DEBT MANAGEMENT



533A.1 Definitions.

533A.2 Licenses required-exceptions.

533A.3 Investigation-hearing.

533A.4 Expiration date.

533A.5 Renewal.

533A.6 Appointment of process agent.

533A.7 Revocation or suspension.

533A.8 Written contract required.

533A.9 Fee agreed in advance.

533A.10 Examination of licensee.

533A.11 Unlawful acts of licensee.

533A.12 Reserved.

533A.13 License mandatory to business.

533A.14 Fees to state treasurer.

533A.15 Judicial review.



CHAPTER 533B

SALE OF CERTAIN INSTRUMENTS FOR PAYMENT OF MONEY



533B.1 Permission from superintendent of banking.

533B.2 Agencies.

533B.3 Corporations exempt.

533B.4 Definitions.

533B.5 Penalty.

533B.6 Examination.

533B.7 Termination of license.



CHAPTER 533D

DELAYED DEPOSIT SERVICES



533D.1 Title.

533D.2 Definitions.

533D.3 License required-application process-display.

533D.4 Surrender of license.

533D.5 Change in circumstances-notification of superintendent.

533D.6 Continued operation after change in ownership-approval of superintendent

required.

533D.7 Principal place of business-branch offices authorized.

533D.8 Other business operations at same site- restrictions.

533D.9 Fee restriction-required disclosure.

533D.10 Prohibited acts by licensee.

533D.11 Examination of records by superintendent.

533D.12 Suspension or revocation of license.

533D.13 Cease and desist order-injunction.

533D.14 Administrative penalty.

533D.15 Criminal violation-operation of business without license-injunction.

533D.16 Applicability.



CHAPTER 535

MONEY AND INTEREST



535.1 Denominations of money.

535.2 Rate of interest.

535.3 Interest on judgments and decrees.

535.4 Illegal rate prohibited-usury.

535.5 Penalty for usury.

535.6 Repealed by 82 Acts, ch 1153, §18.

535.7 Assignee of usurious contract.

535.8 Loan charges limited.

535.9 Prepayment penalties on loans secured by real estate mortgages prohibited.

535.10 Home equity line of credit.

535.11 Finance charge on accounts receivable.

535.12 Loans by agricultural credit corporation.

535.13 Definition.

535.14 Reserved.

535.15 Open-end credit and credit card disclosure.

535.16 Delivery of copies of debt documents.

535.17 Requirements of credit agreements-statute of frauds-modifications.

CHAPTER 535A

MORTGAGE LOANS-RED-LINING



535A.1 Definitions.

535A.2 Discriminatory-real estate mortgages.

535A.3 Discretion of financial institution.

535A.4 Disclosure.

535A.5 Agency to administer.

535A.6 Action for damages.

535A.7 Criminal penalty.

535A.8 Civil penalty.

535A.9 Tying arrangements prohibited.

535A.10 and 535A.11 Reserved.

535A.12 Title guaranty program disclosed. Repealed by 88 Acts, ch 1145, §6.

CHAPTER 535B

MORTGAGE BANKERS AND BROKERS



535B.1 Definitions.

535B.2 Exemptions.

535B.3 Registration.

535B.4 General licensing requirements.

535B.5 Granting and denial of license.

535B.6 Licensing of foreign corporation.

535B.7 Suspension or revocation of license.

535B.8 Operating without a license.

535B.9 Bonds required of license applicants.

535B.10 Investigations and examinations.

535B.11 Servicing mortgages and payoffs.

535B.12 Payment processing.

535B.13 Enforcement.

535B.14 Rulemaking authority.

535B.15 Liability of state.

535B.16 Notice to administrator.

CHAPTER 536

REGULATED LOANS



536.1 Title-license required.

536.2 Application-fees.

536.3 Bond.

536.4 Grant or refusal of license.

536.5 License-form-posting.

536.6 Additional bond.

536.7 Separate license-change of place of

business.

536.8 Annual fee-payment-new bond.

536.9 Suspension, revocation or surrender of

license.

536.10 Examination of business-fee.

536.11 Records-annual report by licensee.

536.12 Restrictions on practices.

536.13 Banking board-report-classification-rules-

penalty-consumer credit code.

536.14 Rights of borrower-payments.

536.15 Limitation on principal amount over

twenty-five thousand dollars.

536.16 Nonresident licensees-face-to-face

solicitation.

536.17 and 536.18 Repealed by 74 Acts, ch 1250,

§9.132.

536.19 Violations.

536.20 Nonapplicability of statute.

536.21 Rules.

536.22 Assistants.

536.23 Judicial review.

536.24 List of licensees by banking superintendent.

536.25 Statement of indebtedness of borrower.

536.26 Insured loans.

536.27 Insurance related to property of borrower.

536.28 Definitions.

536.29 Enforcement of Iowa consumer credit code.





CHAPTER 536A

INDUSTRIAL LOANS



536A.1 Title.

536A.2 Definitions.

536A.3 License.

536A.4 Limitations.

536A.5 Exemptions.

536A.6 Administration by superintendent.

536A.7 Application for license.

536A.8 Capital stock requirement.

536A.9 Investigation of application.

536A.10 Issuance of license.

536A.11 Denial of license.

536A.12 Continuing license-annual fee-change of

location-change of control.

536A.13 Books and records.

536A.14 Annual report.

536A.15 Examination of licensees.

536A.16 Cease and desist orders.

536A.17 Injunctions.

536A.18 Revocation or suspension of license.

536A.19 Receivership-liquidation.

536A.20 Real estate loans.

536A.21 Other business in same office.

536A.22 Thrift certificates.

536A.23 Powers of industrial loan companies.

536A.24 Electronic transactions.

536A.25 Restrictions.

536A.26 Prepayment.

536A.27 Penalty.

536A.28 Rules.

536A.29 Enforcement of Iowa consumer credit

code.

536A.30 Nonresident licensees-face-to-face

solicitation.

536A.31 Applicability of Iowa consumer credit

code.

CHAPTER 536C

LENDER CREDIT CARDS



536C.1 Title.

536C.2 Definitions.

536C.3 Exemptions.

536C.4 Notification.

536C.5 Fees.

536C.6 Applicability of Iowa consumer credit

code.

536C.7 Books and records.

536C.8 Investigations.

536C.9 Cease and desist orders.

536C.10 Injunctions.

536C.11 Waiver unenforceable.

536C.12 Penalty.

536C.13 Rules.

536C.14 Enforcement.

CHAPTER 537

CONSUMER CREDIT CODE



The general assembly of the state of Iowa hereby declares and states that it does not want any of the provisions of Public Law No. 96-221 (94 stat. 132), section 501, subsection (a), paragraph (1), to apply

with respect to loans, mortgages, credit sales, and advances made in this state; and that it does not want any of the provisions of Public Law No. 96-221 (94 stat. 132), Part B (section 511, subsections (a) and (b)), to apply with respect to loans made in this state; and that it does not want any of the provisions of any of the amendments contained in Public Law No. 96-221 (94 stat. 132), sections 521, 522 and 523 to apply with respect to loans made in this state; and that it does not want any of the provisions of Public Law No. 96-221 (94 stat. 132), section 524 to apply with respect to loans made in this state. It is the intent of the general assembly of the state of Iowa in enacting this section to exercise all authority granted by Congress and to satisfy all requirements imposed by Congress in Public Law No. 96-221 (94 stat. 132), section 501, subsection (b), paragraph (2), and section 512, and section 524, subsection (i), paragraph (3), and section 525, for the purpose of rendering the provisions of Public Law No. 96-221 (94 stat. 132), Title V, inapplicable in this state. [80 Acts, ch 1156, § 32]



ARTICLE 1

GENERAL PROVISIONS AND DEFINITIONS

PART 1

SHORT TITLE, CONSTRUCTION, GENERAL PROVISIONS

537.1101 Short title.

537.1102 Purposes-rules of construction.

537.1103 Law applicable.

537.1104 Construction.

537.1105 and 537.1106 Reserved.

537.1107 Waiver-agreement-settlement.

537.1108 Effect on organizations.

537.1109 Reserved.

537.1110 Obligation of good faith.

PART 2

SCOPE AND JURISDICTION

537.1201 Territorial application.

537.1202 Exclusions.

537.1203 Jurisdiction-service of process.

PART 3

DEFINITIONS

537.1301 General definitions.

537.1302 Definition-Truth in Lending Act.

537.1303 Other defined terms.

ARTICLE 2

FINANCE CHARGES AND RELATED PROVISIONS

PART 1

GENERAL PROVISIONS

537.2101 Short title.

537.2102 Scope.

PART 2

CONSUMER CREDIT SALES:

MAXIMUM FINANCE CHARGES

537.2201 Finance charge for consumer credit sales

not pursuant to open end credit.

537.2202 Finance charge for consumer credit sales

pursuant to open end credit.

PART 3

CONSUMER LOANS: SUPERVISED LOANS

537.2301 Authority to make supervised loans.

537.2302 Reserved.

537.2303 Revocation or suspension of license.

537.2304 Records-annual reports.

537.2305 Examinations and investigations.

537.2306 Reserved.

537.2307 Restrictions on interest in land as

security.

537.2308 Regular schedule of payments-maximum

loan term.

537.2309 No other business for purpose of

evasion.

537.2310 Conduct of business other than making

loans.

PART 4

CONSUMER LOANS: MAXIMUM FINANCE CHARGES

537.2401 Finance charge for consumer loans not

pursuant to open end credit.

537.2402 Finance charge for consumer loans

pursuant to open end credit.

PART 5

CONSUMER CREDIT TRANSACTIONS:

OTHER CHARGES AND MODIFICATIONS

537.2501 Additional charges.

537.2502 Delinquency charges.

537.2503 Deferral charges.

537.2504 Finance charge on refinancing.

537.2505 Finance charge on consolidation.

537.2506 Advances to perform covenants of

consumer.

537.2507 Attorney's fees.

537.2508 Conversion to open end credit.

537.2509 Right to prepay.

537.2510 Rebate upon prepayment.

PART 6

OTHER CREDIT TRANSACTIONS

537.2601 Charges for other credit transactions.

537.2602 Repealed by 79 Acts, ch 130, §30.

ARTICLE 3

REGULATION OF AGREEMENTS AND PRACTICES

PART 1

GENERAL PROVISIONS

537.3101 Short title.

537.3102 Scope.

PART 2

DISCLOSURE

537.3201 Compliance with Truth in Lending Act.

537.3202 Consumer leases.

537.3203 Notice to consumer.

537.3204 Notice of assignment.

537.3205 Change in terms of open-end credit

accounts.

537.3206 Receipt-statements of account-evidence

of payment.

537.3207 Form of insurance premium loan

agreement.

537.3208 Notice to cosigners and similar parties.

537.3209 Advertising.

537.3210 Prohibited statements relating to rates.

537.3211 Notice of consumer paper.

537.3212 Notice of methods of financing and rates.

PART 3

LIMITATIONS ON AGREEMENTS AND PRACTICES

537.3301 Security in consumer credit transactions.

537.3302 Cross-collateral.

537.3303 Debt secured by cross-collateral.

537.3304 Use of multiple agreements.

537.3305 No assignment of earnings.

537.3306 Authorization to confess judgment

prohibited.

537.3307 Certain negotiable instruments

prohibited.

537.3308 Balloon payments.

537.3309 Referral sales and leases.

537.3310 Limitations on executory transactions.

537.3311 Discrimination prohibited.

PART 4

LIMITATIONS ON CONSUMER'S LIABILITY

537.3401 Restriction on liability in consumer

lease.

537.3402 Limitation on default charges.

537.3403 Card issuer subject to claims and

defenses.

537.3404 Assignee subject to claims and defenses.

537.3405 Lender subject to defenses arising from

sales and leases.

PART 5

HOME SOLICITATION SALES

537.3501 Door-to-door sales.

PART 6

CONSUMER RENTAL PURCHASE AGREEMENTS

537.3601 Short title.

537.3602 Purposes-rules of construction.

537.3603 Exclusions.

537.3604 General definitions.

537.3605 Disclosures.

537.3606 Form requirements.

537.3607 Receipts.

537.3608 Acquiring ownership.

537.3609 Renegotiation.

537.3610 Balloon payments prohibited.

537.3611 Prohibited charges.

537.3612 Additional charges.

537.3613 Reinstatement fees.

537.3614 Taxes and official fees.

537.3615 Advertising.

537.3616 Lessee's reinstatement rights.

537.3617 Unconscionability.

537.3618 Default.

537.3619 Cure of default.

537.3620 Willful and intentional violations.

537.3621 Damages.

537.3622 Effect of correction.

537.3623 Statute of limitations.

537.3624 Enforcement.

ARTICLE 4

INSURANCE

537.4101 Scope-excess charges.

ARTICLE 5

REMEDIES AND PENALTIES

PART 1

LIMITATIONS ON CREDITORS' REMEDIES

537.5101 Short title.

537.5102 Scope.

537.5103 Creditor's obligations on repossession-

restriction on deficiency judgments.

537.5104 No garnishment before judgment.

537.5105 Limitation on garnishment.

537.5106 Garnishment.

537.5107 Extortionate or unlawful extensions of

credit.

537.5108 Unconscionability-inducement by

unconscionable conduct-unconscionable debt collection.

537.5109 Default.

537.5110 Cure of default.

537.5111 Notice of right to cure.

537.5112 Reserved.

537.5113 Venue.

537.5114 Complaint-proof.

537.5115 Reserved.

PART 2

CONSUMERS' REMEDIES

537.5201 Effect of violations on rights of parties.

537.5202 Damages or penalties as setoff to

obligation.

537.5203 Civil liability for violation of disclosure

provisions.

PART 3

CRIMINAL PENALTIES

537.5301 Willful violations.

537.5302 Disclosure violations.

ARTICLE 6

ADMINISTRATION

PART 1

POWERS AND FUNCTIONS OF ADMINISTRATOR

537.6101 Short title.

537.6102 Applicability.

537.6103 Administrator.

537.6104 Powers of administrator-reliance on rules-duty to report.

537.6105 Administrative powers with respect to supervised financial organizations and supervised loan licensees.

537.6106 Investigatory powers.

537.6107 Reserved.

537.6108 Administrative enforcement orders.

537.6109 Assurance of discontinuance.

537.6110 Injunctions and other proceedings in equity.

537.6111 Injunctions against unconscionable agreements and fraudulent or unconscionable conduct.

537.6112 Temporary relief.

537.6113 Civil actions by administrator.

537.6114 Reserved.

537.6115 Consumer's remedies not affected.

537.6116 Venue.

537.6117 Administrative rules.

PART 2

NOTIFICATION AND FEES

537.6201 Applicability.

537.6202 Notification.

537.6203 Fees.

537.6204 Repealed by 76 Acts, ch 1212, §8.

ARTICLE 7

DEBT COLLECTION PRACTICES

537.7101 Short title.

537.7102 Definitions.

537.7103 Prohibited practices.

ARTICLE 8

CHECK CASHING PRACTICES

537.8101 Provision of credit card number as condition of check cashing or acceptance prohibited.



CHAPTER 556

DISPOSITION OF UNCLAIMED PROPERTY



556.1 Definitions and use of terms.

556.2 Property held by banking or financial oganizations or by business associations.

556.2A Traveler's checks and money orders.

556.2B Checks, drafts, and similar instruments issued or certified by banking and financial organizations.

556.3 Unclaimed funds held by life insurance corporations.

556.4 Deposits and refunds held by utilities.

556.5 Stocks and other intangible interests in business associations.

556.6 Property of business associations and banking or financial organizations held in course of dissolution.

556.7 Property held by fiduciaries.

556.8 Property held by state courts and public officers and agencies-abandonment.

556.9 Miscellaneous personal property held for another person.

556.9A Out-of-state property issued within the state.

556.10 Reciprocity for property presumed abandoned or escheated under the laws of another state.

556.11 Report of abandoned property.

556.12 Notice and publication of lists of abandoned property.

556.13 Payment or delivery of abandoned property.

556.14 Relief from liability by payment or delivery.

556.15 Income accruing after payment or delivery.

556.16 Periods of limitation not a bar.

556.17 Sale of abandoned property.

556.18 Deposit of funds.

556.19 Claim for abandoned property paid or delivered.

556.20 Determination of claims.

556.21 Judicial action upon determinations.

556.22 Elections by the treasurer of state.

556.23 Examination of records.

556.24 Proceeding to compel delivery of abandoned property.

556.25 Interest and penalties.

556.26 Rules.

556.27 Effect of laws of other states.

556.28 Interstate agreements and cooperation.

556.29 Uniformity of interpretation.

556.30 Short title.

556.31 Obtaining information on accounts. Repealed by 84 Acts, ch 1295, §25.

556.32 Proceeding to adjudicate escheat. Repealed by 84 Acts, ch 1295, §25.

556.33 Notice. Repealed by 84 Acts, ch 1295, §25.

556.34 Collection and deposit of funds. Repealed by 84 Acts, ch 1295, §25.

556.35 Indemnification of the United States. Repealed by 84 Acts, ch 1295, §25.

556.36 Short title. Repealed by 84 Acts, ch 1295, §25.