2025 Statutes Index

Consolidation, creditor may not receive separate charge for insurance in connection with, exceptions, 424.206

Consumer credit insurance, definition, 424.201

Credit accident and sickness:

Amount of, 424.208

Filing and approval of rates and forms, 424.209

Credit life, amount of, 424.208

Credit life and disability, approval of forms, 631.24

Credit required, 424.205

Deferral, creditor may not receive separate charge for insurance in connection with, exceptions, 424.206

Definitions, application, 424.103

Forms, filing of and approval of commissioner, 424.209

Liability insurance:

Cancellation by creditor, 424.303

Cancellation by customer, 424.304, 424.402

Maximum charge by creditor for insurance, violation of law, 424.204 (3), 425.304

Open-end credit plan, maximum charge for insurance by creditor, 424.204 (2)

Practices, 424.501, 424.502

Property insurance:

Cancellation by creditor, 424.303

Cancellation by customer, 424.304, 424.402

Creditor’s interest only, 424.302

Restrictions on, 424.301

Rates, filing of and approval of commissioner, 424.209

Refinancing, creditor may not receive separate charge for insurance in connection with, exceptions, 424.206

Refund required, 424.205

Scope of law, 424.102

Solicitation, false, misleading or deceptive, 424.501

Term of, 424.207

Title of law, 424.101

consumer act_7. mortgage loans 7. Mortgage Loans

Generally, Ch. 428

First lien real estate loans:

Accounting as to receipts and disbursements, violations, 428.104

Applicability of chapter, 428.101

Attorney fees, 428.103 (1) (e)

Debt collection, 428.103 (1) (c)

Definitions, 428.102

Delinquency charges, 428.103 (1) (a)

Limitations applicable to loans, violations, 428.103

Pleadings, 428.105

Receipts evidencing payment, violations, 428.104

Remedies of customer, 428.106

High cost mortgage lending:

Administration and penalties, 428.210

Definitions, 428.202

Exemption for depository institutions, 428.211

Prepayment, 428.207

Prohibitions and requirements, lenders and assignees:

Generally, 428.203

False statements, 428.204

Recommending default, 428.206

Disclosure to customers, 428.208

Property exempt form debt collection, 428.2095

State regulation authority, exclusive, 428.209

consumer act_8. remedies and penalties 8. Remedies and Penalties

Generally, Ch. 425

Abandoned collateral or leased goods, merchant may take possession, 425.207 (2)

Attachment before judgment is prohibited, 425.111

Attorney fees to be reasonable, court to determine amount, 425.308

Body attachment:

Prohibited, 425.113

Violation of law, 425.113 (2), 425.305

Class actions, 425.309, 426.110

Collateral or leased goods:

Definition, 425.202

Restraining order to protect, 425.207

Voluntary surrender of, 425.204

Corporate officers, liability of, 425.310

Customer’s remedies:

Amounts, damages, 425.302, 425.303, 425.304

To be liberally construed, 425.301

Customer’s right to redeem, 425.208

Default:

Accrual of cause of action in favor of creditor, 425.103

Cure of, 425.105

Definition, 425.103 (2)

Notice to customer of right to cure, 425.104

Deficiency judgment:

Computation of deficiency, 425.210

Restrictions on, 425.209

Enforcement of merchant’s rights in collateral and leased goods, 425.203

Evidence of violations, 425.311

Exempt property in satisfaction of judgment, 425.106

Extensions of credit, extortionate, 425.108

Garnishment before judgment is prohibited, 425.111

Garnishment, no discharge from employment for, 425.110

Injunction to protect collateral or leased goods, 425.207

Levy before judgment is prohibited, 425.111

Liability of corporate officers, 425.310