Kansas Statutes
Chapter 16a - Consumer Credit Code

16a-1-103 (UCCC) Supplementary general principles of law applicable. - 16a-1-103. (UCCC) Supplementary general principles of law applicable. Unless displaced...

16a-1-104 (UCCC) Construction against implicit repeal. - 16a-1-104. (UCCC) Construction against implicit repeal. K.S.A. 16a-1-101 through 16a-9-102...

16a-1-105 (UCCC) Severability. - 16a-1-105. (UCCC) Severability. If any provision of this act or...

16a-1-107 (UCCC) Waiver; agreement to forego rights; settlement of claims. - 16a-1-107. (UCCC) Waiver; agreement to forego rights; settlement of claims....

16a-1-108 (UCCC) Effect of act on powers of organization. - 16a-1-108. (UCCC) Effect of act on powers of organization. (1)...

16a-1-109 (UCCC) Transactions subject to act by agreement. - 16a-1-109. (UCCC) Transactions subject to act by agreement. The parties...

16a-1-201 (UCCC) Territorial application. - 16a-1-201. (UCCC) Territorial application. (1) Except as otherwise provided in...

16a-1-202 (UCCC) Exclusions. - 16a-1-202. (UCCC) Exclusions. K.S.A. 16a-1-101 through 16a-6-414 do not apply...

16a-1-301 General definitions. - 16a-1-301. General definitions. In addition to definitions appearing in subsequent...

16a-1-303 (UCCC) Residential mortgage loan originator; definitions. - 16a-1-303. (UCCC) Residential mortgage loan originator; definitions. Other definitions appearing...

Article 2 - Finance Charges And Related Provisions

16a-2-101 (UCCC) Short title. - 16a-2-101. (UCCC) Short title. This article shall be known and...

16a-2-102 (UCCC) Scope. - 16a-2-102. (UCCC) Scope. Part 2 of this article applies to...

16a-2-103 Computation of finance charges. - 16a-2-103. Computation of finance charges. (1) The provisions of this...

16a-2-104 (UCCC) Payment credit date. - 16a-2-104. (UCCC) Payment credit date. (1) A creditor shall credit...

16a-2-201 Finance charge for closed end consumer credit sales. - 16a-2-201. Finance charge for closed end consumer credit sales. (1)...

16a-2-202 Finance charge for consumer credit sales pursuant to open end credit. - 16a-2-202. Finance charge for consumer credit sales pursuant to open...

16a-2-301 (UCCC) Authority to make supervised loans; residential mortgage loan origination; registration required. - 16a-2-301. (UCCC) Authority to make supervised loans; residential mortgage loan...

16a-2-302 (UCCC) License to make supervised loans; registration for residential mortgage loan originator fees. - 16a-2-302. (UCCC) License to make supervised loans; registration for residential...

16a-2-303 (UCCC) Denial, revocation or suspension of license; disciplinary proceedings. - 16a-2-303. (UCCC) Denial, revocation or suspension of license; disciplinary proceedings....

16a-2-303a Denial, revocation or suspension of registration of residential mortgage loan originator. - 16a-2-303a. Denial, revocation or suspension of registration of residential mortgage...

16a-2-304 Records; annual reports; maintenance of records; security of records; preservation of records. - 16a-2-304. Records; annual reports; maintenance of records; security of records;...

16a-2-307 (UCCC) Restrictions on interest in land as security. - 16a-2-307. (UCCC) Restrictions on interest in land as security. With...

16a-2-308 (UCCC) Regular schedule of payments; maximum loan term. - 16a-2-308. (UCCC) Regular schedule of payments; maximum loan term. If...

16a-2-309 Conduct of business; other than making loans. - 16a-2-309. Conduct of business; other than making loans. A licensee...

16a-2-310 Prohibited acts by persons licensed or registered under act. - 16a-2-310. Prohibited acts by persons licensed or registered under act....

16a-2-401 Finance charge for consumer loan; loan secured by mortgage or interest in manufactured home; prepaid finance charges. - 16a-2-401. Finance charge for consumer loan; loan secured by mortgage...

16a-2-402 (UCCC) Consumer loans pursuant to open end credit; allowable charges per billing cycle. - 16a-2-402. (UCCC) Consumer loans pursuant to open end credit; allowable...

16a-2-403 Prohibiting surcharge on credit or debit cards. - 16a-2-403. Prohibiting surcharge on credit or debit cards. No seller...

16a-2-404 Payday loans; finance charges; rights and duties. - 16a-2-404. Payday loans; finance charges; rights and duties. (1) On...

16a-2-405 Payday loans to military borrowers; restrictions. - 16a-2-405. Payday loans to military borrowers; restrictions. (a) Any person...

16a-2-501 (UCCC) Additional charges. - 16a-2-501. (UCCC) Additional charges. (1) In addition to the finance...

16a-2-502 (UCCC) Delinquency charges. - 16a-2-502. (UCCC) Delinquency charges. (1) The parties to a consumer...

16a-2-504 (UCCC) Finance charge on refinancing. - 16a-2-504. (UCCC) Finance charge on refinancing. With respect to a...

16a-2-505 (UCCC) Finance charge on consolidation. - 16a-2-505. (UCCC) Finance charge on consolidation. (1) If a consumer...

16a-2-506 (UCCC) Advances to perform covenants of consumer. - 16a-2-506. (UCCC) Advances to perform covenants of consumer. (1) If...

16a-2-507 (UCCC) Recovery of collection costs and attorney fees. - 16a-2-507. (UCCC) Recovery of collection costs and attorney fees. With...

16a-2-508 (UCCC) Conversion to open end credit. - 16a-2-508. (UCCC) Conversion to open end credit. The parties may...

16a-2-509 (UCCC) Right to prepay. - 16a-2-509. (UCCC) Right to prepay. The consumer may prepay in...

16a-2-510 (UCCC) Prepayment; minimum charges; judgments; rebate. - 16a-2-510. (UCCC) Prepayment; minimum charges; judgments; rebate. (1) Upon prepayment...

Article 3 - Regulation Of Agreements And Practices

16a-3-101 (UCCC) Short title. - 16a-3-101. (UCCC) Short title. This article shall be known and...

16a-3-102 (UCCC) Scope. - 16a-3-102. (UCCC) Scope. Parts 2, 3, and 4 of this...

16a-3-201 (UCCC) Consumer leases. - 16a-3-201. (UCCC) Consumer leases. A lessor shall disclose to the...

16a-3-202 (UCCC) Notice to consumer. - 16a-3-202. (UCCC) Notice to consumer. A written agreement which requires...

16a-3-203 (UCCC) Notice of assignment. - 16a-3-203. (UCCC) Notice of assignment. The consumer is authorized to...

16a-3-203a Receipt of payment by assignor. - 16a-3-203a. Receipt of payment by assignor. If payment is received...

16a-3-204 (UCCC) Change in terms of open end credit accounts. - 16a-3-204. (UCCC) Change in terms of open end credit accounts....

16a-3-205 (UCCC) Receipts; statements of account; evidence of payment. - 16a-3-205. (UCCC) Receipts; statements of account; evidence of payment. (1)...

16a-3-206 (UCCC) Compliance with rules and regulations; truth in lending. - 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-3-207. Consumer loans secured by certain real estate mortgages; appraisals...

16a-3-208 Advertising; prohibited conduct. - 16a-3-208. Advertising; prohibited conduct. (1) A supervised lender shall not,...

16a-3-209 Calendar days used for computing time. - 16a-3-209. Calendar days used for computing time. (a) Unless otherwise...

16a-3-301 (UCCC) Security in sales or leases. - 16a-3-301. (UCCC) Security in sales or leases. (1) With respect...

16a-3-302 (UCCC) Cross-collateral. - 16a-3-302. (UCCC) Cross-collateral. (1) In addition to contracting for a...

16a-3-303 (UCCC) Debt secured by cross-collateral. - 16a-3-303. (UCCC) Debt secured by cross-collateral. (1) If debts arising...

16a-3-304 (UCCC) Use of multiple agreements. - 16a-3-304. (UCCC) Use of multiple agreements. (1) A creditor may...

16a-3-305 (UCCC) No assignment of earnings. - 16a-3-305. (UCCC) No assignment of earnings. (1) A creditor may...

16a-3-306 (UCCC) Authorization to confess judgment prohibited. - 16a-3-306. (UCCC) Authorization to confess judgment prohibited. A consumer may...

16a-3-307 (UCCC) Certain negotiable instruments prohibited. - 16a-3-307. (UCCC) Certain negotiable instruments prohibited. With respect to a...

16a-3-308 (UCCC) Balloon payments. - 16a-3-308. (UCCC) Balloon payments. With respect to a consumer credit...

16a-3-308a Loans secured by mortgages on consumer's principal residence; negative amortization and balloon payments prohibited. - 16a-3-308a. Loans secured by mortgages on consumer's principal residence; negative...

16a-3-309 (UCCC) Referral sales. - 16a-3-309. (UCCC) Referral sales. With respect to a consumer credit...

16a-3-401 (UCCC) Restriction on liability in consumer lease. - 16a-3-401. (UCCC) Restriction on liability in consumer lease. The obligation...

16a-3-402 (UCCC) Limitation on default charges. - 16a-3-402. (UCCC) Limitation on default charges. Except for reasonable expenses...

16a-3-403 (UCCC) Credit card issuer subject to defenses. - 16a-3-403. (UCCC) Credit card issuer subject to defenses. (1) If...

16a-3-404 (UCCC) Assignee subject to defenses; application of payments received by assignee; limitation of actions; assignee may require seller or lessor to repurchase obligation; joinder of parties; procedure. - 16a-3-404. (UCCC) Assignee subject to defenses; application of payments received...

16a-3-405 (UCCC) Lender subject to defenses arising from sales and leases. - 16a-3-405. (UCCC) Lender subject to defenses arising from sales and...

Article 4 - Insurance

16a-4-101 (UCCC) Short title. - 16a-4-101. (UCCC) Short title. This article shall be known and...

16a-4-102 (UCCC) Scope. - 16a-4-102. (UCCC) Scope. (1) Except as provided in subsection (2),...

16a-4-103 (UCCC) Definition: "Consumer credit insurance." - 16a-4-103. (UCCC) Definition: "Consumer credit insurance." In this act "consumer...

16a-4-104 (UCCC) Creditor's provision of and charge for insurance; excess amount of charge. - 16a-4-104. (UCCC) Creditor's provision of and charge for insurance; excess...

16a-4-105 (UCCC) Conditions applying to insurance to be provided by creditor. - 16a-4-105. (UCCC) Conditions applying to insurance to be provided by...

16a-4-106 (UCCC) Unconscionability. - 16a-4-106. (UCCC) Unconscionability. (1) In applying the provisions of this...

16a-4-107 (UCCC) Maximum charge by creditor for insurance. - 16a-4-107. (UCCC) Maximum charge by creditor for insurance. (1) Except...

16a-4-108 (UCCC) Refund or credit required; amount. - 16a-4-108. (UCCC) Refund or credit required; amount. (1) Upon prepayment...

16a-4-109 (UCCC) Existing insurance; choice of insurer; notice of option. - 16a-4-109. (UCCC) Existing insurance; choice of insurer; notice of option....

16a-4-110 (UCCC) Charge for insurance in connection with a refinancing or consolidation; duplicate charges. - 16a-4-110. (UCCC) Charge for insurance in connection with a refinancing...

16a-4-111 (UCCC) Cooperation between administrator and commissioner of insurance. - 16a-4-111. (UCCC) Cooperation between administrator and commissioner of insurance. The...

16a-4-112 (UCCC) Administrative action of commissioner of insurance. - 16a-4-112. (UCCC) Administrative action of commissioner of insurance. (1) To...

16a-4-201 (UCCC) Term of insurance. - 16a-4-201. (UCCC) Term of insurance. (1) Consumer credit insurance provided...

16a-4-202 (UCCC) Amount of insurance. - 16a-4-202. (UCCC) Amount of insurance. (1) Except as provided in...

16a-4-203 (UCCC) Filing and approval of rates and forms. - 16a-4-203. (UCCC) Filing and approval of rates and forms. (1)...

16a-4-301 (UCCC) Property insurance. - 16a-4-301. (UCCC) Property insurance. (1) A creditor may not contract...

16a-4-302 (UCCC) Insurance on creditor's interest only. - 16a-4-302. (UCCC) Insurance on creditor's interest only. If a creditor...

16a-4-303 (UCCC) Liability insurance. - 16a-4-303. (UCCC) Liability insurance. A creditor may not contract for...

16a-4-304 (UCCC) Cancellation by creditor. - 16a-4-304. (UCCC) Cancellation by creditor. A creditor shall not request...

Article 5 - Remedies And Penalties

16a-5-101 (UCCC) Short title. - 16a-5-101. (UCCC) Short title. This article shall be known and...

16a-5-102 (UCCC) Scope. - 16a-5-102. (UCCC) Scope. This part applies to actions or other...

16a-5-103 (UCCC) Restrictions on deficiency judgments. - 16a-5-103. (UCCC) Restrictions on deficiency judgments. (1) This section applies...

16a-5-107 (UCCC) Extortionate extensions of credit. - 16a-5-107. (UCCC) Extortionate extensions of credit. (1) If it is...

16a-5-108 (UCCC) Unconscionability; inducement by unconscionable conduct. - 16a-5-108. (UCCC) Unconscionability; inducement by unconscionable conduct. (1) With respect...

16a-5-109 (UCCC) Default. - 16a-5-109. (UCCC) Default. An agreement of the parties to a...

16a-5-110 (UCCC) Notice of consumer's right to cure. - 16a-5-110. (UCCC) Notice of consumer's right to cure. (1) After...

16a-5-111 (UCCC) Cure of default. - 16a-5-111. (UCCC) Cure of default. (1) This section applies to...

16a-5-112 (UCCC) Creditor's right to take possession after default. - 16a-5-112. (UCCC) Creditor's right to take possession after default. Upon...

16a-5-201 (UCCC) Effect of violations on rights of parties. - 16a-5-201. (UCCC) Effect of violations on rights of parties. (1)...

16a-5-202 (UCCC) Refunds and penalties as setoff to obligation. - 16a-5-202. (UCCC) Refunds and penalties as setoff to obligation. Refunds...

16a-5-203 (UCCC) Civil liability for violation of disclosure provisions. - 16a-5-203. (UCCC) Civil liability for violation of disclosure provisions. (1)...

16a-5-301 (UCCC) Intentional violations; penalties. - 16a-5-301. (UCCC) Intentional violations; penalties. (1) It is unlawful for...

Article 6 - Administration

16a-6-101 (UCCC) Short title. - 16a-6-101. (UCCC) Short title. This article shall be known and...

16a-6-102 (UCCC) Applicability. - 16a-6-102. (UCCC) Applicability. This part applies to persons who in...

16a-6-104 (UCCC) Powers of administrator; reliance on rules and regulations; written administrative interpretations; nationwide mortgage licensing system and registry. - 16a-6-104. (UCCC) Powers of administrator; reliance on rules and regulations;...

16a-6-105 (UCCC) Administrative powers with respect to supervised financial organizations. - 16a-6-105. (UCCC) Administrative powers with respect to supervised financial organizations....

16a-6-106 (UCCC) Examination and investigatory powers; costs. - 16a-6-106. (UCCC) Examination and investigatory powers; costs. (1) The administrator...

16a-6-108 Enforcement of act; cease and desist orders; penalties; appeals. - 16a-6-108. Enforcement of act; cease and desist orders; penalties; appeals....

16a-6-109 (UCCC) Assurance of discontinuance. - 16a-6-109. (UCCC) Assurance of discontinuance. If it is claimed that...

16a-6-110 (UCCC) Injunctions against violations of act. - 16a-6-110. (UCCC) Injunctions against violations of act. The administrator may...

16a-6-111 (UCCC) Injunctions against unconscionable agreements and fraudulent or unconscionable conduct. - 16a-6-111. (UCCC) Injunctions against unconscionable agreements and fraudulent or unconscionable...

16a-6-112 (UCCC) Temporary relief. - 16a-6-112. (UCCC) Temporary relief. With respect to an action brought...

16a-6-113 (UCCC) Civil actions by administrator. - 16a-6-113. (UCCC) Civil actions by administrator. (1) After demand, the...

16a-6-115 (UCCC) Consumer's remedies not affected. - 16a-6-115. (UCCC) Consumer's remedies not affected. The grant of powers...

16a-6-116 (UCCC) Venue. - 16a-6-116. (UCCC) Venue. The administrator may bring actions or proceedings...

16a-6-117 Rules and regulations; truth in lending. - 16a-6-117. Rules and regulations; truth in lending. The administrator shall...

16a-6-201 (UCCC) Applicability. - 16a-6-201. (UCCC) Applicability. This part applies to a creditor engaged...

16a-6-202 (UCCC) Notification. - 16a-6-202. (UCCC) Notification. (1) Persons subject to this part shall...

16a-6-203 Fees. - 16a-6-203. Fees. (1) A person required to file notification shall...

16a-6-401 (UCCC) Applicability and scope. - 16a-6-401. (UCCC) Applicability and scope. This part applies to the...

16a-6-402 (UCCC) Definitions in part. - 16a-6-402. (UCCC) Definitions in part. In this part: (1) "Contested...

16a-6-403 (UCCC) Public information; adoption of rules; availability of rules and orders. - 16a-6-403. (UCCC) Public information; adoption of rules; availability of rules...

16a-6-404 Procedure for adoption of rules. - 16a-6-404. Procedure for adoption of rules. Prior to the adoption,...

16a-6-405 Filing and taking effect of rules. - 16a-6-405. Filing and taking effect of rules. (1) Every rule...

16a-6-406 Publication of rules. - 16a-6-406. Publication of rules. The secretary of state shall publish...

16a-6-407 (UCCC) Petition for adoption, amendment or repeal of rules. - 16a-6-407. (UCCC) Petition for adoption, amendment or repeal of rules....

16a-6-408 Declaratory judgment on validity or applicability or rules. - 16a-6-408. Declaratory judgment on validity or applicability or rules. The...

16a-6-409 (UCCC) Declaratory rulings by administrator. - 16a-6-409. (UCCC) Declaratory rulings by administrator. The administrator shall provide...

16a-6-410 (UCCC) Contested cases; orders subject to provisions of Kansas administrative procedure act; informal disposition. - 16a-6-410. (UCCC) Contested cases; orders subject to provisions of Kansas...

16a-6-414 Judicial review of administrator's actions. - 16a-6-414. Judicial review of administrator's actions. Any action of the...

Article 9 - Effective Date And Repealer

16a-9-101 (UCCC) Time of taking effect; provisions for transition. - 16a-9-101. (UCCC) Time of taking effect; provisions for transition. (1)...

16a-9-102 (UCCC) Continuation of licensing. - 16a-9-102. (UCCC) Continuation of licensing. All persons licensed or otherwise...

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Kansas Statutes Chapter 16a - Consumer Credit Code

Kansas Statutes
Chapter 16a - Consumer Credit Code