16a-3-304. (UCCC) Use of multiple agreements. (1) A creditor may not engage in a pattern or practice of using multiple agreements to obtain a higher finance charge than would otherwise be permitted by the provisions of the article on finance charges and related provisions (article 2).
(2) The excess amount of finance charge provided for in this section is an excess charge for the purposes of the provisions on rights of parties (K.S.A. 16a-5-201, and amendments thereto) and the provisions on civil actions by administrator (K.S.A. 16a-6-113, and amendments thereto).
History: L. 1973, ch. 85, § 50; L. 1977, ch. 71, § 2; L. 1999, ch. 107, § 23; L. 2005, ch. 144, § 14; July 1.
Structure Kansas Statutes
Chapter 16a - Consumer Credit Code
Article 3 - Regulation Of Agreements And Practices
16a-3-201 (UCCC) Consumer leases.
16a-3-202 (UCCC) Notice to consumer.
16a-3-203 (UCCC) Notice of assignment.
16a-3-203a Receipt of payment by assignor.
16a-3-204 (UCCC) Change in terms of open end credit accounts.
16a-3-205 (UCCC) Receipts; statements of account; evidence of payment.
16a-3-206 (UCCC) Compliance with rules and regulations; truth in lending.
16a-3-207 Consumer loans secured by certain real estate mortgages; appraisals and notice.
16a-3-208 Advertising; prohibited conduct.
16a-3-209 Calendar days used for computing time.
16a-3-301 (UCCC) Security in sales or leases.
16a-3-302 (UCCC) Cross-collateral.
16a-3-303 (UCCC) Debt secured by cross-collateral.
16a-3-304 (UCCC) Use of multiple agreements.
16a-3-305 (UCCC) No assignment of earnings.
16a-3-306 (UCCC) Authorization to confess judgment prohibited.
16a-3-307 (UCCC) Certain negotiable instruments prohibited.
16a-3-308 (UCCC) Balloon payments.
16a-3-309 (UCCC) Referral sales.
16a-3-401 (UCCC) Restriction on liability in consumer lease.
16a-3-402 (UCCC) Limitation on default charges.
16a-3-403 (UCCC) Credit card issuer subject to defenses.
16a-3-405 (UCCC) Lender subject to defenses arising from sales and leases.