Subtitle 286.4 - CONSUMER LOAN COMPANIES
- Section 286.4-410 - Definitions - Application of subtitle
- Section 286.4-420 - License required for finance companies - Evidence of existing licenses
- Section 286.4-425 - Commissioner's coordination with State Regulatory Registry and other agencies
- Section 286.4-430 - Form of application - Contents
- Section 286.4-440 - Application and license fees
- Section 286.4-450 - Bonding requirements for applications submitted on or after January 1, 2020 - Demonstration of financial condition - Managing principal - Background check - Incomplete application - Approval or rejection of application - Time limit - Appeal - Hearing - Eligibility if license denied
- Section 286.4-460 - License - Contents - Transfer - Place of business - Change - Name on license
- Section 286.4-465 - Approval of change of control - Application - Fees - Determination of whether proposed transaction constitutes change of control
- Section 286.4-470 - Limitation on locations at which business may be conducted - Construction of subtitle regarding types of loans
- Section 286.4-480 - Duration of license - Payment of annual fee - Expiration - Reinstatement
- Section 286.4-490 - Reasons for adverse action or cease-and-desist order - Locations at which adverse action applies - Eligibility if license revoked - Effect of adverse action - Complaint - Relief - Civil penalty
- Section 286.4-495 - Emergency orders - Grounds - Hearing - Duration of emergency order
- Section 286.4-500 - Notice of license denial - Administrative complaint - Hearings and final orders - Findings - Service by certified mail
- Section 286.4-505 - Administrative hearing for person or licensee aggrieved by final decision of commissioner
- Section 286.4-520 - Prohibited advertisements and statements
- Section 286.4-530 - Basic, default, and deferment charges - Refund upon prepayment - Reduction when installments in default - Charges computed on unpaid balance - Principal may include balance on prior loan - Loan entered into within 10 days of another loan - Restrictions on interest and consideration
- Section 286.4-533 - Authorized charges for extension of credit
- Section 286.4-535 - Closing costs collectible when liens on real estate taken as security
- Section 286.4-540 - Duties of licensee
- Section 286.4-545 - Agent for service of process
- Section 286.4-547 - Compliance with federal and state laws - Regulatory penalties
- Section 286.4-550 - Time of installment payments
- Section 286.4-560 - Insurance
- Section 286.4-570 - Wage purchases - Assignment of compensation
- Section 286.4-580 - Prohibited conduct - No contract or loan without scheduled repayment - Lien on real estate as security
- Section 286.4-590 - Licensee to make annual report
- Section 286.4-600 - Licensee's records - Retention - Notice of cessation - Custodian of records - Request for destruction - Withholding or altering records
- Section 286.4-605 - Confidential and privileged documents - Commissioner's powers - Privilege or claim of confidentiality not waived
- Section 286.4-610 - Commissioner's power to issue administrative regulations and examine licensees - Investigations - Enforcement of subpoena - Powers of commissioner
- Section 286.4-613 - Effect of conformity with notice, opinion, or interpretation of commissioner
- Section 286.4-615 - Commonwealth or its employees not liable for failure to disclose financial condition of consumer loan company
- Section 286.4-620 - Public policy relating to loans of $15,000 or less - Loans outside state
- Section 286.4-630 - [Repealed]
- Section 286.4-640 - Effect of future amendment of this subtitle
- Section 286.4-990 - Civil penalties - Actions by commissioner against violators - Recovery of penalties and fees
- Section 286.4-991 - Penalties