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Section 408.010 - Silver a legal tender. - Effective - 28 Aug 1939 408.010. Silver a legal tender....
Section 408.015 - Definitions. - Effective - 01 Mar 2011, 2 histories 408.015. Definitions. —...
Section 408.020 - When no rate of interest is agreed upon, nine percent allowed as legal interest. - Effective - 28 Aug 1979 408.020. When no rate of...
Section 408.030 - Interest, maximum rate allowed — penalty for overcharge, limitation on action for — "market rate" to be determined, when, how — discounting to financial organizations authorized. - Effective - 03 Jul 1979 408.030. Interest, maximum rate allowed...
Section 408.031 - Fee in lieu of interest may be charged on loan — exception. - Effective - 28 Aug 1979 408.031. Fee in lieu of...
Section 408.032 - Recording fees. - Effective - 28 Aug 2004 408.032. Recording fees. — 1....
Section 408.035 - Unlimited interest, when allowed. - Effective - 28 Aug 2021, 2 histories 408.035. Unlimited interest,...
Section 408.036 - Prepayment penalty by lender prohibited, exception — maximum permitted, exceptions — return of moneys above maximum permitted. - Effective - 28 Aug 1998 408.036. Prepayment penalty by lender...
Section 408.040 - Interest on judgments, how regulated — prejudgment interest allowed when, procedure. - Effective - 15 Jan 2015, 2 histories 408.040. Interest on...
Section 408.050 - Excess interest paid recoverable with costs and attorney fee. - Effective - 28 Aug 1939 408.050. Excess interest paid recoverable...
Section 408.052 - Points prohibited, exception — penalties for illegal points — violation a misdemeanor — default charge authorized, when, exceptions. - Effective - 10 Jul 2012 408.052. Points prohibited, exception —...
Section 408.060 - Defendant may plead usury — judgment, how rendered — corporations cannot enter plea of usury. - Effective - 28 Aug 1939 408.060. Defendant may plead usury...
Section 408.070 - Usurious interest — security agreement invalid. - Effective - 28 Aug 1965 408.070. Usurious interest — security...
Section 408.080 - Interest may be paid on interest — compounding limited to once a month — prohibited for certain loans. - Effective - 28 Aug 1992 408.080. Interest may be paid...
Section 408.081 - Validity of certain existing contract not to be affected, when. - Effective - 28 Aug 1992 408.081. Validity of certain existing...
Section 408.083 - Credit contracts, prepayment before maturity, computation of interest. - Effective - 01 Jul 2003 408.083. Credit contracts, prepayment before...
Section 408.090 - Demand loans where only securities are pledged not subject to usury laws. - Effective - 28 Aug 1974 408.090. Demand loans where only...
Section 408.092 - Attorney fees, enforcement of credit agreements, limitations. - Effective - 28 Aug 1997 408.092. Attorney fees, enforcement of...
Section 408.095 - Charging interest of more than two percent per month a misdemeanor, exceptions. - Effective - 09 Jan 1975 408.095. Charging interest of more...
Section 408.096 - Loan arrangement, excess fee prohibited for certain transactions — penalty. - Effective - 28 Aug 1979 408.096. Loan arrangement, excess fee...
Section 408.100 - Applicability of section — rate of interest. - Effective - 28 Aug 2021, 2 histories 408.100. Applicability of...
Section 408.105 - Precomputed loans, extensions, fee, limitations. - Effective - 28 Aug 1985 408.105. Precomputed loans, extensions, fee,...
Section 408.110 - Short title — applicability of sections 408.120 to 408.190. - Effective - 28 Aug 1996 408.110. Short title — applicability...
Section 408.120 - Interest computed and paid, how. - Effective - 28 Aug 1981 408.120. Interest computed and paid,...
Section 408.130 - Borrower to receive statement of contract — contents — prepayment effect — receipts for payments. - Effective - 28 Aug 1994 408.130. Borrower to receive statement...
Section 408.140 - Additional charges or fees prohibited, exceptions — no finance charges if purchases are paid for within certain time limit, exception. - Effective - 28 Aug 2021, 5 histories 408.140. Additional charges...
Section 408.145 - Fees for credit cards issued in contiguous states. - Effective - 01 Jan 1999 408.145. Fees for credit cards...
Section 408.150 - Lender can not receive excess interest — failure by lender to return excess interest, damages allowed. - Effective - 28 Aug 1982 408.150. Lender can not receive...
Section 408.160 - False advertising prohibited. - Effective - 28 Aug 1951 408.160. False advertising prohibited. —...
Section 408.170 - Contracts paid in full before due date — recomputations of interest — refund defined. - Effective - 01 Jul 2003 408.170. Contracts paid in full...
Section 408.175 - Interest rate when maturity of note or contract accelerated. - Effective - 28 Aug 1959 408.175. Interest rate when maturity...
Section 408.178 - Deferral of monthly loan payments, fee authorized for certain loans. - Effective - 28 Aug 2021, 2 histories 408.178. Deferral of...
Section 408.180 - Authority of director to verify interest rates charged. - Effective - 28 Aug 1951 408.180. Authority of director to...
Section 408.190 - Certain loans exempt from sections 408.120 to 408.180, and 408.200. - Effective - 28 Aug 2004 408.190. Certain loans exempt from...
Section 408.193 - Credit cards, no derogatory reports to credit agencies for carrying a zero balance. - Effective - 01 Jan 1999 408.193. Credit cards, no derogatory...
Section 408.200 - Borrower not to be indebted on two or more contracts with same lender, when. - Effective - 28 Aug 1998 408.200. Borrower not to be...
Section 408.210 - Assignment of wages or compensation — excess over loan deemed interest. - Effective - 28 Aug 1951 408.210. Assignment of wages or...
Section 408.213 - Changes to certain sections remedial only. - Effective - 28 Aug 2004 408.213. Changes to certain sections...
Section 408.231 - Definitions. - Effective - 28 Aug 1994 408.231. Definitions. — 1. A...
Section 408.232 - Rates and terms. - Effective - 28 Aug 2004 408.232. Rates and terms. —...
Section 408.233 - Additional charges authorized. - Effective - 28 Aug 2021, 3 histories 408.233. Additional charges...
Section 408.234 - Collateral — prepayment rights, method of computation. - Effective - 28 Aug 2021, 2 histories 408.234. Collateral —...
Section 408.235 - Director may examine certain lenders. - Effective - 28 Aug 1994 408.235. Director may examine certain...
Section 408.236 - Recovery of interest barred, when, exceptions — actions taken or omitted in reliance on interpretation by division of finance, effect. - Effective - 28 Aug 1994 408.236. Recovery of interest barred,...
Section 408.237 - Applicability of sections 408.231 to 408.241. - Effective - 28 Aug 1994 408.237. Applicability of sections 408.231...
Section 408.240 - Penalties — actions taken or omitted in reliance on written interpretation by division, effect. - Effective - 28 Aug 1994 408.240. Penalties — actions taken...
Section 408.241 - Prepayment fee, second mortgage loans, allowed when. - Effective - 07 Mar 1991 408.241. Prepayment fee, second mortgage...
Section 408.250 - Definitions. - Effective - 28 Aug 2021, 3 histories 408.250. Definitions. —...
Section 408.260 - Time contract, how executed — required contents — additional notes to cut off buyer's rights prohibited — waiver of buyer's legal remedies prohibited. - Effective - 28 Aug 1975 408.260. Time contract, how executed...
Section 408.270 - Retail time contracts negotiated by mail — delivery unnecessary — notice of insertions in blanks. - Effective - 28 Aug 1961 408.270. Retail time contracts negotiated...
Section 408.280 - Insurance purchased to secure retail time contract, regulation. - Effective - 28 Aug 1989 408.280. Insurance purchased to secure...
Section 408.290 - Retail charge agreement — form — delivery to buyer — contents. - Effective - 28 Aug 1975 408.290. Retail charge agreement —...
Section 408.300 - Time charges, amount authorized on retail time contracts — retail charge agreements, time charges authorized. - Effective - 28 Aug 2011 408.300. Time charges, amount authorized...
Section 408.310 - Assignments of retail time contracts and charge agreements — notice to buyer, effect. - Effective - 28 Aug 1961 408.310. Assignments of retail time...
Section 408.320 - Buyer may pay retail time contract debt before maturity — refund of charges. - Effective - 01 Jul 2003 408.320. Buyer may pay retail...
Section 408.330 - Delinquency and collection charges permitted — insurance premium in lieu of perfecting security interest authorized — attorney fees — consolidation of contracts — convenience fee, when. - Effective - 28 Aug 2017, 2 histories 408.330. Delinquency and...
Section 408.340 - Applicability to prior transactions. - Effective - 28 Aug 1961 408.340. Applicability to prior transactions....
Section 408.350 - Waiver of provisions void. - Effective - 28 Aug 1961 408.350. Waiver of provisions void....
Section 408.360 - Citation of law. - Effective - 28 Aug 1961 408.360. Citation of law. —...
Section 408.365 - Acceleration clauses, repossession or confession of judgment by power of attorney, right of entry to repossess and waiver of damages from repossession provisions, prohibited. - Effective - 28 Aug 1975 408.365. Acceleration clauses, repossession or...
Section 408.370 - Violation, penalty — effect on time and other charges — correction. - Effective - 28 Aug 1975 408.370. Violation, penalty — effect...
Section 408.375 - Retail installment agreement, deemed signed or accepted, when. - Effective - 28 Aug 1998 408.375. Retail installment agreement, deemed...
Section 408.380 - Sale of certain financial products and plans associated with certain loan transactions not prohibited. - Effective - 28 Aug 2011 408.380. Sale of certain financial...
Section 408.400 - Definitions. - Effective - 28 Aug 1983 408.400. Definitions. — 1. As...
Section 408.405 - Defenses or setoffs arising from transaction good against holder of security instrument, when. - Effective - 28 Aug 1974 408.405. Defenses or setoffs arising...
Section 408.410 - Exempt transactions. - Effective - 28 Aug 1974 408.410. Exempt transactions. — Sections...
Section 408.415 - Chapter 400 is modified by provisions of sections 408.400 to 408.415. - Effective - 28 Aug 1974 408.415. Chapter 400 is modified...
Section 408.455 - Variable rate agreements subject to certain provisions. - Effective - 28 Aug 2003 408.455. Variable rate agreements subject...
Section 408.500 - Unsecured loans of five hundred dollars or less, licensure of lenders, interest rates and fees allowed — penalties for violations — cost of collection expenses — notice required, form. - Effective - 28 Aug 2015 *408.500. Unsecured loans of five...
Section 408.505 - Term of loans, charges permitted, repayment, return check charge. - Effective - 28 Aug 2002 408.505. Term of loans, charges...
Section 408.506 - Report to the general assembly, contents. - Effective - 28 Aug 2002 408.506. Report to the general...
Section 408.510 - Licensure of consumer installment lenders — interest and fees allowed. - Effective - 28 Aug 2002 408.510. Licensure of consumer installment...
Section 408.512 - Loans by traditional installment loan lenders. - Effective - 28 Aug 2020, 2 histories 408.512. Loans by...
Section 408.550 - Discrimination prohibited — damages recoverable. - Effective - 28 Aug 1979 408.550. Discrimination prohibited — damages...
Section 408.551 - Applicability of sections 408.551 to 408.562 — credit transaction defined. - Effective - 28 Aug 1998 408.551. Applicability of sections 408.551...
Section 408.552 - Enforceability of default provisions. - Effective - 28 Aug 1979 408.552. Enforceability of default provisions....
Section 408.553 - Recovery limitation. - Effective - 28 Aug 2021, 2 histories 408.553. Recovery limitation....
Section 408.554 - Notice of default, contents, form, delivery. - Effective - 28 Aug 2021, 2 histories 408.554. Notice of...
Section 408.555 - Acceleration, repossession and cancellation restricted — required procedures — borrower's right to cure. - Effective - 28 Aug 2006 408.555. Acceleration, repossession and cancellation...
Section 408.556 - Actions arising from default, contents of petition — default judgment requires sworn testimony — recovery of unpaid balances. - Effective - 28 Aug 2002 408.556. Actions arising from default,...
Section 408.557 - Notice required before deficiency action may be commenced. - Effective - 28 Aug 2002 408.557. Notice required before deficiency...
Section 408.558 - Security interests not to be taken, when. - Effective - 28 Aug 1979 408.558. Security interests not to...
Section 408.560 - Unenforceable provisions in note or credit contract. - Effective - 28 Aug 1979 408.560. Unenforceable provisions in note...
Section 408.562 - Damages recoverable for violation. - Effective - 28 Aug 1979 408.562. Damages recoverable for violation....
Section 408.570 - Definitions. - Effective - 28 Aug 2008 408.570. Definitions. — Unless otherwise...
Section 408.575 - Denial of loans prohibited, when, reasons for. - Effective - 01 Jan 1980 408.575. Denial of loans prohibited,...
Section 408.580 - Applications to be accepted — written reasons for rejection required — display of statute required — retention of records — rulemaking, procedure. - Effective - 28 Aug 1995 408.580. Applications to be accepted...
Section 408.585 - Limitation on requirements of sections 408.570 to 408.600. - Effective - 01 Jan 1980 408.585. Limitation on requirements of...
Section 408.590 - Division directors, report to governor and department director, contents. - Effective - 28 Aug 2013 *408.590. Division directors, report to...
Section 408.595 - Financial institutions to make other annual report, contents. - Effective - 01 Jan 1980 408.595. Financial institutions to make...
Section 408.600 - Division directors to enforce provisions of sections 408.570 to 408.600 — complaints, how handled — hearings — remedies. - Effective - 28 Aug 2013 *408.600. Division directors to enforce...
Section 408.675 - Citation of law — definitions. - Effective - 28 Aug 1989 408.675. Citation of law —...
Section 408.677 - Government access to records, when — requirements. - Effective - 28 Aug 1989 408.677. Government access to records,...
Section 408.680 - Financial institution may not disclose, exceptions, requirements. - Effective - 28 Aug 1989 408.680. Financial institution may not...
Section 408.682 - Customer authorization, requirements. - Effective - 28 Aug 1989 408.682. Customer authorization, requirements. —...
Section 408.683 - Subpoena, government may obtain records with, when — procedure — notice required. - Effective - 28 Aug 1989 408.683. Subpoena, government may obtain...
Section 408.685 - Delay of notice, allowed when — postdisclosure notice, form of. - Effective - 28 Aug 1989 408.685. Delay of notice, allowed...
Section 408.686 - Challenge to subpoena — procedure, appeals. - Effective - 28 Aug 1989 408.686. Challenge to subpoena —...
Section 408.687 - Financial institution to assemble records upon subpoena — delivery of records, when. - Effective - 28 Aug 1989 408.687. Financial institution to assemble...
Section 408.689 - Transfer of records to additional agency, allowed when — notice. - Effective - 28 Aug 1989 408.689. Transfer of records to...
Section 408.690 - Nonprohibited disclosure activities. - Effective - 28 Aug 1989 408.690. Nonprohibited disclosure activities. —...
Section 408.692 - Law not applicable to government authority, when — procedure. - Effective - 28 Aug 1989 408.692. Law not applicable to...
Section 408.693 - Fee paid to financial institution, amount, how determined. - Effective - 28 Aug 1989 408.693. Fee paid to financial...
Section 408.695 - Statute of limitations. - Effective - 28 Aug 1989 408.695. Statute of limitations. —...
Section 408.696 - Civil liability for violation, amount — disciplinary action against agency employee, when — good faith a valid defense, when — exclusive remedy. - Effective - 28 Aug 1989 408.696. Civil liability for violation,...
Section 408.697 - Injunctive relief, allowed when. - Effective - 28 Aug 1989 408.697. Injunctive relief, allowed when....
Section 408.699 - Statute of limitations, tolled when. - Effective - 28 Aug 1989 408.699. Statute of limitations, tolled...
Section 408.700 - Subpoena issued under authority of grand jury, records, use of. - Effective - 28 Aug 1989 408.700. Subpoena issued under authority...
Section 408.800 - Definitions. - Effective - 28 Aug 2016 408.800. Definitions. — As used...
Section 408.805 - Savings promotion program authorized, conditions. - Effective - 28 Aug 2016 408.805. Savings promotion program authorized,...
Section 408.810 - Compliance with federal American Savings Promotion Act. - Effective - 28 Aug 2016 408.810. Compliance with federal American...
Section 408.815 - Programs not gambling, gaming, lottery, raffle, or sweepstake. - Effective - 28 Aug 2016 408.815. Programs not gambling, gaming,...