(a) Notwithstanding any other provision of law, except for the fee allowed under AS 06.50.510(b)(3) and where federal law provides otherwise, a licensee may only charge (1) a nonrefundable origination fee in an amount not to exceed $5; and(2) a fee that does not exceed $15 for each $100 of an advance, or 15 percent of the total amount of the advance, whichever is less.(b) A licensee may not charge a fee other than the fees allowed under (a) of this section.(c) The fees allowed by (a) of this section are considered earned at the time of the transaction and may not be prorated.(d) A licensee may not charge the advance recipient an additional fee to access the proceeds of an advance.