537.6108 Administrative enforcement orders.
1. For purposes of this section, “administrator” means either the attorney general or the attorney general’s designee, or the official or agency charged with enforcing this chapter against the person under investigation, as provided in section 537.6105, subsection 1. Except as provided in subsection 6, after notice and hearing the administrator may order a person to cease and desist from engaging in violations of this chapter. A person aggrieved by an order of the administrator may obtain judicial review of the order and the administrator may obtain an order of the district court for enforcement of the cease and desist order if the person prevails in the proceeding for review, or as provided in subsection 5. The proceeding for review or enforcement is initiated by filing a petition in the district court. Copies of the petition shall be served upon all parties of record.
2. Within thirty days after service of the petition for review upon the administrator, or within any further time the court may allow, the administrator shall transmit to the court the original or a certified copy of the entire record upon which the order is based, including any transcript of testimony, which need not be printed. By stipulation of all parties to the review proceeding, the record may be shortened. After hearing, the court may reverse or modify the order if the findings of fact of the administrator are clearly erroneous in view of the reliable, probative and substantial evidence on the whole record, or grant any temporary relief or restraining order it deems just, and enter an order enforcing, modifying and enforcing as modified, or setting aside in whole or in part the order of the administrator, or remanding the case to the administrator for further proceedings.
3. An objection not urged at the hearing shall not be considered by the court unless the failure to urge the objection is excused for good cause shown. A party may move the court to remand the case to the administrator in the interest of justice for the purpose of adducing additional specified and material evidence and seeking findings thereon upon good cause shown for the failure to adduce this evidence before the administrator.
4. The jurisdiction of the court shall be exclusive and its final judgment or decree shall be subject to review by the supreme court in the same manner and form and with the same effect as in appeals from a final judgment or decree in an equitable proceeding. The administrator’s copy of the testimony shall be available at reasonable times to all parties for examination without cost.
5. A proceeding for review under this section must be initiated within thirty days after a copy of the order of the administrator is received. If no proceeding is so initiated, the administrator may obtain a decree of the district court for enforcement of the cease and desist order upon a showing that the order was issued in compliance with this section, that no proceeding for review was initiated within thirty days after copy of the order was received, and that the person against whom the order was directed is subject to the jurisdiction of the court.
6. With respect to unconscionable agreements or fraudulent or unconscionable conduct by the respondent, the administrator may not issue an order pursuant to this section but may bring a civil action for an injunction under section 537.6111.
[C75, 77, 79, 81, §537.6108]
Referred to in §537.6103, 537.6105
Structure Iowa Code
Chapter 537 - CONSUMER CREDIT CODE
Section 537.1101 - Short title.
Section 537.1102 - Purposes — rules of construction.
Section 537.1103 - Law applicable.
Section 537.1104 - Construction.
Section 537.1107 - Waiver — agreement — settlement.
Section 537.1108 - Effect on organizations.
Section 537.1110 - Obligation of good faith.
Section 537.1201 - Territorial application.
Section 537.1202 - Exclusions.
Section 537.1203 - Jurisdiction — service of process.
Section 537.1301 - General definitions.
Section 537.1302 - Definition — Truth in Lending Act.
Section 537.1303 - Other defined terms.
Section 537.2101 - Short title.
Section 537.2201 - Finance charge for consumer credit sales not pursuant to open-end credit.
Section 537.2202 - Finance charge for consumer credit sales pursuant to open-end credit.
Section 537.2301 - Authority to make supervised loans.
Section 537.2303 - Revocation or suspension of license.
Section 537.2304 - Records — annual reports.
Section 537.2305 - Examinations and investigations.
Section 537.2307 - Restrictions on interest in land as security.
Section 537.2308 - Regular schedule of payments — maximum loan term.
Section 537.2309 - No other business for purpose of evasion.
Section 537.2310 - Conduct of business other than making loans.
Section 537.2401 - Finance charge for consumer loans not pursuant to open-end credit.
Section 537.2402 - Finance charge for consumer loans pursuant to open-end credit.
Section 537.2403 - Finance charge for consumer loans secured by a motor vehicle.
Section 537.2501 - Additional charges.
Section 537.2502 - Delinquency charges.
Section 537.2503 - Deferral charges.
Section 537.2504 - Finance charge on refinancing.
Section 537.2505 - Finance charge on consolidation.
Section 537.2506 - Advances to perform covenants of consumer.
Section 537.2507 - Attorney fees.
Section 537.2508 - Conversion to open-end credit.
Section 537.2509 - Right to prepay.
Section 537.2510 - Rebate upon prepayment.
Section 537.2601 - Charges for other credit transactions.
Section 537.3101 - Short title.
Section 537.3201 - Compliance with Truth in Lending Act.
Section 537.3202 - Consumer leases.
Section 537.3203 - Notice to consumer.
Section 537.3204 - Notice of assignment.
Section 537.3205 - Change in terms of open-end credit accounts.
Section 537.3206 - Receipt — statements of account — evidence of payment — credits.
Section 537.3207 - Form of insurance premium loan agreement.
Section 537.3208 - Notice to cosigners and similar parties.
Section 537.3209 - Advertising.
Section 537.3210 - Prohibited statements relating to rates.
Section 537.3211 - Notice of consumer paper.
Section 537.3212 - Notice of methods of financing and rates.
Section 537.3301 - Security in consumer credit transactions.
Section 537.3302 - Cross-collateral.
Section 537.3303 - Debt secured by cross-collateral.
Section 537.3304 - Use of multiple agreements.
Section 537.3305 - No assignment of earnings.
Section 537.3306 - Authorization to confess judgment prohibited.
Section 537.3307 - Certain negotiable instruments prohibited.
Section 537.3308 - Balloon payments.
Section 537.3309 - Referral sales and leases.
Section 537.3310 - Limitations on executory transactions.
Section 537.3311 - Discrimination prohibited.
Section 537.3401 - Restriction on liability in consumer lease.
Section 537.3402 - Limitation on default charges.
Section 537.3403 - Card issuer subject to claims and defenses.
Section 537.3404 - Assignee subject to claims and defenses.
Section 537.3405 - Lender subject to defenses arising from sales and leases.
Section 537.3501 - Door-to-door sales.
Section 537.3601 - Short title.
Section 537.3602 - Purposes — rules of construction.
Section 537.3603 - Exclusions.
Section 537.3604 - General definitions.
Section 537.3605 - Disclosures.
Section 537.3606 - Form requirements.
Section 537.3608 - Acquiring ownership.
Section 537.3609 - Renegotiation.
Section 537.3610 - Balloon payments prohibited.
Section 537.3611 - Prohibited charges.
Section 537.3612 - Additional charges.
Section 537.3613 - Reinstatement fees.
Section 537.3614 - Taxes and official fees.
Section 537.3615 - Advertising.
Section 537.3616 - Lessee’s reinstatement rights.
Section 537.3617 - Unconscionability.
Section 537.3619 - Cure of default.
Section 537.3620 - Willful and intentional violations.
Section 537.3622 - Effect of correction.
Section 537.3623 - Statute of limitations.
Section 537.3624 - Enforcement.
Section 537.4101 - Scope — excess charges.
Section 537.5101 - Short title.
Section 537.5103 - Creditor’s obligations on repossession — restriction on deficiency judgments.
Section 537.5104 - No garnishment before judgment.
Section 537.5105 - Limitation on garnishment.
Section 537.5106 - Garnishment.
Section 537.5107 - Extortionate or unlawful extensions of credit.
Section 537.5110 - Cure of default.
Section 537.5111 - Notice of right to cure.
Section 537.5114 - Complaint — proof.
Section 537.5201 - Effect of violations on rights of parties.
Section 537.5202 - Damages or penalties as setoff to obligation.
Section 537.5203 - Civil liability for violation of disclosure provisions.
Section 537.5301 - Willful violations.
Section 537.5302 - Disclosure violations.
Section 537.6101 - Short title.
Section 537.6102 - Applicability.
Section 537.6103 - Administrator.
Section 537.6104 - Powers of administrator — reliance on rules — duty to report.
Section 537.6106 - Investigatory powers.
Section 537.6108 - Administrative enforcement orders.
Section 537.6109 - Assurance of discontinuance.
Section 537.6110 - Injunctions and other proceedings in equity.
Section 537.6112 - Temporary relief.
Section 537.6113 - Civil actions by administrator.
Section 537.6115 - Consumer’s remedies not affected.
Section 537.6117 - Administrative rules.
Section 537.6201 - Applicability.
Section 537.6202 - Notification.
Section 537.7101 - Short title.
Section 537.7102 - Definitions.