Iowa Code
Title XIII - COMMERCE
Chapter 537 - CONSUMER CREDIT CODE

Section 537.2201 - Finance charge for consumer credit sales not pursuant to open-end credit. - 537.2201 Finance charge for consumer credit sales not pursuant to...

Section 537.2202 - Finance charge for consumer credit sales pursuant to open-end credit. - 537.2202 Finance charge for consumer credit sales pursuant to open-end...

Section 537.2301 - Authority to make supervised loans. - 537.2301 Authority to make supervised loans. 1. As used in...

Section 537.2303 - Revocation or suspension of license. - 537.2303 Revocation or suspension of license. 1. The licensing authority...

Section 537.2304 - Records — annual reports. - 537.2304 Records — annual reports. 1. Every licensee shall maintain...

Section 537.2305 - Examinations and investigations. - 537.2305 Examinations and investigations. 1. For the purpose of discovering...

Section 537.2307 - Restrictions on interest in land as security. - 537.2307 Restrictions on interest in land as security. With respect...

Section 537.2308 - Regular schedule of payments — maximum loan term. - 537.2308 Regular schedule of payments — maximum loan term. Supervised...

Section 537.2309 - No other business for purpose of evasion. - 537.2309 No other business for purpose of evasion. A lender...

Section 537.2310 - Conduct of business other than making loans. - 537.2310 Conduct of business other than making loans. 1. Except...

Section 537.2401 - Finance charge for consumer loans not pursuant to open-end credit. - 537.2401 Finance charge for consumer loans not pursuant to open-end...

Section 537.2402 - Finance charge for consumer loans pursuant to open-end credit. - 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. - 537.2403 Finance charge for consumer loans secured by a motor...

Section 537.2501 - Additional charges. - 537.2501 Additional charges. 1. In addition to the finance charge...

Section 537.2502 - Delinquency charges. - 537.2502 Delinquency charges. 1. With respect to a consumer credit...

Section 537.2503 - Deferral charges. - 537.2503 Deferral charges. 1. a. Before or after default in...

Section 537.2504 - Finance charge on refinancing. - 537.2504 Finance charge on refinancing. With respect to a consumer...

Section 537.2505 - Finance charge on consolidation. - 537.2505 Finance charge on consolidation. 1. In this section, “consumer...

Section 537.2506 - Advances to perform covenants of consumer. - 537.2506 Advances to perform covenants of consumer. 1. If the...

Section 537.2507 - Attorney fees. - 537.2507 Attorney fees. With respect to a consumer credit transaction,...

Section 537.2508 - Conversion to open-end credit. - 537.2508 Conversion to open-end credit. The parties may agree at...

Section 537.2509 - Right to prepay. - 537.2509 Right to prepay. Subject to the provisions on prepayment...

Section 537.2510 - Rebate upon prepayment. - 537.2510 Rebate upon prepayment. 1. Except as provided in this...

Section 537.2601 - Charges for other credit transactions. - 537.2601 Charges for other credit transactions. 1. With respect to...

Section 537.3101 - Short title. - 537.3101 Short title. This article shall be known and may...

Section 537.3102 - Scope. - 537.3102 Scope. Part 2 applies to disclosure with respect to...

Section 537.3201 - Compliance with Truth in Lending Act. - 537.3201 Compliance with Truth in Lending Act. A person upon...

Section 537.3202 - Consumer leases. - 537.3202 Consumer leases. 1. With respect to a consumer lease...

Section 537.3203 - Notice to consumer. - 537.3203 Notice to consumer. The creditor shall give to the...

Section 537.3204 - Notice of assignment. - 537.3204 Notice of assignment. A consumer is authorized to pay...

Section 537.3205 - Change in terms of open-end credit accounts. - 537.3205 Change in terms of open-end credit accounts. 1. Whether...

Section 537.3206 - Receipt — statements of account — evidence of payment — credits. - 537.3206 Receipt — statements of account — evidence of payment...

Section 537.3207 - Form of insurance premium loan agreement. - 537.3207 Form of insurance premium loan agreement. An agreement pursuant...

Section 537.3208 - Notice to cosigners and similar parties. - 537.3208 Notice to cosigners and similar parties. 1. No natural...

Section 537.3209 - Advertising. - 537.3209 Advertising. 1. A seller, lessor, or lender shall not...

Section 537.3210 - Prohibited statements relating to rates. - 537.3210 Prohibited statements relating to rates. A creditor shall not...

Section 537.3211 - Notice of consumer paper. - 537.3211 Notice of consumer paper. Every note which is a...

Section 537.3212 - Notice of methods of financing and rates. - 537.3212 Notice of methods of financing and rates. 1. With...

Section 537.3301 - Security in consumer credit transactions. - 537.3301 Security in consumer credit transactions. 1. With respect to...

Section 537.3302 - Cross-collateral. - 537.3302 Cross-collateral. 1. In addition to contracting for a security...

Section 537.3303 - Debt secured by cross-collateral. - 537.3303 Debt secured by cross-collateral. 1. If debts arising from...

Section 537.3304 - Use of multiple agreements. - 537.3304 Use of multiple agreements. 1. With respect to a...

Section 537.3305 - No assignment of earnings. - 537.3305 No assignment of earnings. 1. A creditor may not...

Section 537.3306 - Authorization to confess judgment prohibited. - 537.3306 Authorization to confess judgment prohibited. Unless executed after default...

Section 537.3307 - Certain negotiable instruments prohibited. - 537.3307 Certain negotiable instruments prohibited. With respect to a consumer...

Section 537.3308 - Balloon payments. - 537.3308 Balloon payments. 1. Except as provided in subsection 2,...

Section 537.3309 - Referral sales and leases. - 537.3309 Referral sales and leases. A practice unlawful under section...

Section 537.3310 - Limitations on executory transactions. - 537.3310 Limitations on executory transactions. 1. In a consumer credit...

Section 537.3311 - Discrimination prohibited. - 537.3311 Discrimination prohibited. A creditor shall not refuse to enter...

Section 537.3401 - Restriction on liability in consumer lease. - 537.3401 Restriction on liability in consumer lease. The obligation of...

Section 537.3402 - Limitation on default charges. - 537.3402 Limitation on default charges. Except for reasonable expenses incurred...

Section 537.3403 - Card issuer subject to claims and defenses. - 537.3403 Card issuer subject to claims and defenses. 1. This...

Section 537.3404 - Assignee subject to claims and defenses. - 537.3404 Assignee subject to claims and defenses. 1. With respect...

Section 537.3405 - Lender subject to defenses arising from sales and leases. - 537.3405 Lender subject to defenses arising from sales and leases....

Section 537.3501 - Door-to-door sales. - 537.3501 Door-to-door sales. In a consumer credit sale or a...

Section 537.3601 - Short title. - 537.3601 Short title. This part of article 3 may be...

Section 537.3602 - Purposes — rules of construction. - 537.3602 Purposes — rules of construction. 1. This part shall...

Section 537.3603 - Exclusions. - 537.3603 Exclusions. This part does not apply to, and an...

Section 537.3604 - General definitions. - 537.3604 General definitions. As used in this part, unless otherwise...

Section 537.3605 - Disclosures. - 537.3605 Disclosures. In a consumer rental purchase agreement, the lessor...

Section 537.3606 - Form requirements. - 537.3606 Form requirements. 1. The disclosure information required by section...

Section 537.3607 - Receipts. - 537.3607 Receipts. The lessor shall furnish the lessee, without request,...

Section 537.3608 - Acquiring ownership. - 537.3608 Acquiring ownership. 1. A lessor shall not offer a...

Section 537.3609 - Renegotiation. - 537.3609 Renegotiation. 1. A renegotiation occurs when an existing consumer...

Section 537.3610 - Balloon payments prohibited. - 537.3610 Balloon payments prohibited. A lessee shall not be required,...

Section 537.3611 - Prohibited charges. - 537.3611 Prohibited charges. A lessor shall not make a charge...

Section 537.3612 - Additional charges. - 537.3612 Additional charges. 1. In a consumer rental purchase agreement,...

Section 537.3613 - Reinstatement fees. - 537.3613 Reinstatement fees. A reinstatement fee as provided for in...

Section 537.3614 - Taxes and official fees. - 537.3614 Taxes and official fees. 1. If the amount is...

Section 537.3615 - Advertising. - 537.3615 Advertising. 1. An advertisement for a consumer rental purchase...

Section 537.3616 - Lessee’s reinstatement rights. - 537.3616 Lessee’s reinstatement rights. 1. A lessee who fails to...

Section 537.3617 - Unconscionability. - 537.3617 Unconscionability. Unconscionability in consumer rental purchase agreements is governed...

Section 537.3618 - Default. - 537.3618 Default. An agreement of the parties to a consumer...

Section 537.3619 - Cure of default. - 537.3619 Cure of default. 1. In a consumer rental purchase...

Section 537.3620 - Willful and intentional violations. - 537.3620 Willful and intentional violations. A person who willfully and...

Section 537.3621 - Damages. - 537.3621 Damages. In case of a violation of a provision...

Section 537.3622 - Effect of correction. - 537.3622 Effect of correction. Notwithstanding sections 537.3620 and 537.3621, a...

Section 537.3623 - Statute of limitations. - 537.3623 Statute of limitations. An action shall not be brought...

Section 537.3624 - Enforcement. - 537.3624 Enforcement. 1. The provisions of this part are subject...

Section 537.4101 - Scope — excess charges. - 537.4101 Scope — excess charges. 1. This article applies to...

Section 537.5101 - Short title. - 537.5101 Short title. This article shall be known and may...

Section 537.5102 - Scope. - 537.5102 Scope. This part applies to actions or other proceedings...

Section 537.5103 - Creditor’s obligations on repossession — restriction on deficiency judgments. - 537.5103 Creditor’s obligations on repossession — restriction on deficiency judgments....

Section 537.5104 - No garnishment before judgment. - 537.5104 No garnishment before judgment. Prior to entry of judgment...

Section 537.5105 - Limitation on garnishment. - 537.5105 Limitation on garnishment. 1. For the purposes of this...

Section 537.5106 - Garnishment. - 537.5106 Garnishment. The administrator has all powers granted under article...

Section 537.5107 - Extortionate or unlawful extensions of credit. - 537.5107 Extortionate or unlawful extensions of credit. If it is...

Section 537.5108 - Unconscionability — inducement by unconscionable conduct — unconscionable debt collection. - 537.5108 Unconscionability — inducement by unconscionable conduct — unconscionable debt...

Section 537.5109 - Default. - 537.5109 Default. “Default” with respect to a consumer credit transaction...

Section 537.5110 - Cure of default. - 537.5110 Cure of default. 1. Notwithstanding any term or agreement...

Section 537.5111 - Notice of right to cure. - 537.5111 Notice of right to cure. 1. The notice of...

Section 537.5113 - Venue. - 537.5113 Venue. An action by a creditor against a consumer...

Section 537.5114 - Complaint — proof. - 537.5114 Complaint — proof. 1. In an action brought by...

Section 537.5201 - Effect of violations on rights of parties. - 537.5201 Effect of violations on rights of parties. 1. a....

Section 537.5202 - Damages or penalties as setoff to obligation. - 537.5202 Damages or penalties as setoff to obligation. Damages or...

Section 537.5203 - Civil liability for violation of disclosure provisions. - 537.5203 Civil liability for violation of disclosure provisions. 1. Except...

Section 537.5301 - Willful violations. - 537.5301 Willful violations. 1. A person who willfully and knowingly...

Section 537.5302 - Disclosure violations. - 537.5302 Disclosure violations. A person is guilty of a serious...

Section 537.6101 - Short title. - 537.6101 Short title. This article shall be known and may...

Section 537.6102 - Applicability. - 537.6102 Applicability. This part applies to persons who: 1. Participate...

Section 537.6103 - Administrator. - 537.6103 Administrator. Except as expressly provided in sections 537.6106 and...

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

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

Section 537.6106 - Investigatory powers. - 537.6106 Investigatory powers. 1. For purposes of this section, “administrator”...

Section 537.6108 - Administrative enforcement orders. - 537.6108 Administrative enforcement orders. 1. For purposes of this section,...

Section 537.6109 - Assurance of discontinuance. - 537.6109 Assurance of discontinuance. If it is claimed that a...

Section 537.6110 - Injunctions and other proceedings in equity. - 537.6110 Injunctions and other proceedings in equity. The administrator may...

Section 537.6111 - Injunctions against unconscionable agreements and fraudulent or unconscionable conduct. - 537.6111 Injunctions against unconscionable agreements and fraudulent or unconscionable conduct....

Section 537.6112 - Temporary relief. - 537.6112 Temporary relief. With respect to an action brought to...

Section 537.6113 - Civil actions by administrator. - 537.6113 Civil actions by administrator. 1. After demand, the administrator...

Section 537.6115 - Consumer’s remedies not affected. - 537.6115 Consumer’s remedies not affected. The grant of powers to...

Section 537.6116 - Venue. - 537.6116 Venue. The administrator may bring actions or proceedings in...

Section 537.6117 - Administrative rules. - 537.6117 Administrative rules. 1. The attorney general or the attorney...

Section 537.6201 - Applicability. - 537.6201 Applicability. This part applies to all of the following:...

Section 537.6202 - Notification. - 537.6202 Notification. 1. Persons subject to this part shall file...

Section 537.6203 - Fees. - 537.6203 Fees. 1. A person required to file notification shall...

Section 537.7101 - Short title. - 537.7101 Short title. This article shall be known and may...

Section 537.7102 - Definitions. - 537.7102 Definitions. As used in this article, unless the context...

Section 537.7103 - Prohibited practices. - 537.7103 Prohibited practices. 1. A debt collector shall not collect...

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

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Iowa Code Title XIII - COMMERCE Chapter 537 - CONSUMER CREDIT CODE

Iowa Code
Title XIII - COMMERCE
Chapter 537 - CONSUMER CREDIT CODE