Nevada Revised Statutes
Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services

NRS 604A.083 - "Nationwide Multistate Licensing System and Registry" or "Registry" defined. [Effective on the date on which the Commissioner of Financial Institutions notifies the Governor and the Director of the Legislative Counsel Bureau that the N... - "Nationwide Multistate Licensing System and Registry" or "Registry" means a...

NRS 604A.085 - "Refund anticipation loan" defined. - "Refund anticipation loan" means a loan offered or made to...

NRS 604A.090 - "Regulation Z" defined. - "Regulation Z" means the federal regulations, as amended, 12 C.F.R....

NRS 604A.105 - "Title loan" defined. - 1. "Title loan" means a loan made to a customer...

NRS 604A.110 - "Title loan service" defined. - "Title loan service" means any person engaged in the business...

NRS 604A.115 - "Title to a vehicle" or "title" defined. - "Title to a vehicle" or "title" means a certificate of...

NRS 604A.120 - "Truth in Lending Act" defined. - "Truth in Lending Act" means the federal Truth in Lending...

NRS 604A.125 - "Vehicle" defined. - 1. "Vehicle" means any vehicle, whether or not self-propelled, that...

NRS 604A.150 - Additional terms defined under federal law; calculation of amount financed, annual percentage rate and finance charge. - 1. As used in this chapter, unless the context otherwise...

NRS 604A.200 - Application of chapter to persons who seek to evade its provisions. - The provisions of this chapter apply to any person who...

NRS 604A.210 - Chapter does not prohibit licensee from offering customer grace period; restrictions. - 1. The provisions of this chapter do not prohibit a...

NRS 604A.220 - Uniformity of application and construction; resolution of conflicts. - 1. The provisions of this chapter must be interpreted so...

NRS 604A.230 - Effect of amendment or repeal of chapter on preexisting lawful contracts. - This chapter or any part thereof may be modified, amended...

NRS 604A.240 - Collection of loans made outside State. - Any loan lawfully made outside this State as permitted by...

NRS 604A.250 - Exemptions from chapter. - The provisions of this chapter do not apply to: 1....

NRS 604A.260 - Applicability of provisions of chapter governing enforcement or collection of obligations originated under chapter. - All provisions of this chapter governing enforcement or collection of...

NRS 604A.300 - Regulations. - 1. The Commissioner may establish by regulation the fees that...

NRS 604A.303 - Commissioner required to implement and maintain database of certain information related to deferred deposit loans, title loans and high-interest loans; fee; confidentiality; regulations. - 1. The Commissioner shall, by contract with a vendor or...

NRS 604A.305 - Authority to inform public of certain information relating to licensees offering services through Internet website. - 1. To the extent of available funding, the Department of...

NRS 604A.310 - Certain relationships between officers and employees of Division of Financial Institutions and licensees prohibited; duty to terminate prohibited relationships. - 1. Except as otherwise provided in subsection 3, an officer...

NRS 604A.315 - Commissioner required to investigate alleged violations of chapter. - If the Commissioner receives information from a registered agent pursuant...

NRS 604A.400 - Operation of check-cashing service, deferred deposit loan service, high-interest loan service or title loan service without license prohibited; operation of deferred deposit loan service or high-interest loan service through automated... - 1. A person, including, without limitation, a person licensed pursuant...

NRS 604A.405 - Required notices and disclosures; regulations. - 1. A licensee shall post in a conspicuous place in...

NRS 604A.501 - Limitations on original term. - 1. Except as otherwise provided in this chapter, the original...

NRS 604A.5011 - Licensee required to make determination of ability of customer to repay loan and compliance of loan with certain requirements before making loan. - 1. A licensee who operates a deferred deposit loan service...

NRS 604A.5012 - Written loan agreement required; contents. - 1. Before making a deferred deposit loan to a customer,...

NRS 604A.5014 - Requirements for collection of defaulted loan; civil action to collect debt; venue. - 1. If a customer defaults on a deferred deposit loan,...

NRS 604A.5015 - Practices regarding customers who are members of military. - Notwithstanding any other provision of law: 1. If a customer...

NRS 604A.5016 - Provision of information and materials concerning public assistance and services. - A person who operates a deferred deposit loan service may,...

NRS 604A.5017 - Limitation regarding amount of loan. - 1. A licensee who operates a deferred deposit loan service...

NRS 604A.5018 - Prohibited acts by licensee regarding multiple loans to same customer. - 1. A licensee who operates a deferred deposit loan service...

NRS 604A.502 - Prohibited acts by licensee: Accepting collateral or other types of security; failing to make certain disclosures; taking incomplete instruments; requiring the purchase of insurance or other goods or services; failing to comply with pa... - A licensee who operates a deferred deposit loan service shall...

NRS 604A.5021 - Prohibited acts by licensee: Improper lending and collection practices; deceptive trade practices; false, misleading and deceptive advertising; reinitiating certain transactions; using agent, affiliate or subsidiary to avoid requireme... - A licensee who operates a deferred deposit loan service shall...

NRS 604A.5023 - Rescission of loan by customer. - 1. A customer may rescind a deferred deposit loan on...

NRS 604A.5024 - Payment of loan in full. - 1. A customer may pay a deferred deposit loan, or...

NRS 604A.5025 - Partial payment on loan. - 1. A customer may make a partial payment on a...

NRS 604A.5026 - Extended payment plan: Customer eligibility; requirements; restrictions; default. - 1. A licensee who operates a deferred deposit loan service...

NRS 604A.5027 - Repayment plan. - 1. Before a licensee who operates a deferred deposit loan...

NRS 604A.5029 - Limitations on using proceeds of new deferred deposit loan or high-interest loan to pay balance of outstanding deferred deposit loan; exceptions. - 1. Except as otherwise provided in subsection 2, if a...

NRS 604A.503 - Limitations on amounts licensee may collect after default. - 1. If a customer defaults on a deferred deposit loan...

NRS 604A.5031 - Limitations on fees licensee may collect for check not paid upon presentment or failure of electronic transfer of money; standards for civil liability and criminal prosecution. - 1. A licensee who operates a deferred deposit loan service...

NRS 604A.5033 - Receipt required for each payment by customer; contents. - In addition to any other provision in this chapter, each...

NRS 604A.5034 - Requirements regarding person acting as agent or assisting in making loan. - 1. A person shall not act as an agent for...

NRS 604A.570 - Required disclosures. - 1. A licensee who has been issued a license to...

NRS 604A.571 - Prohibited fees. - A licensee who has been issued a license to operate...

NRS 604A.572 - Prohibited advertisements. - A licensee who has been issued a license to operate...

NRS 604A.573 - Required notices. - A licensee who has been issued a license to operate...

NRS 604A.574 - Limitations on extended term of loans. - A licensee who has been issued a license to operate...

NRS 604A.575 - Rescission of loan by customer. - A licensee who has been issued a license to operate...

NRS 604A.576 - Collection of past due accounts; prohibited acts. - A licensee who has been issued a license to operate...

NRS 604A.577 - Reporting violations of chapter. - A licensee who has been issued a license to operate...

NRS 604A.578 - Certain licensees required to offer repayment plan. - A licensee who has been issued a license to operate...

NRS 604A.579 - Licensee offering services through Internet website required to comply with applicable laws. - A licensee that offers deferred deposit loan services services through...

NRS 604A.5035 - Determination of whether loan is high-interest loan. - 1. Except as otherwise provided in this section, for the...

NRS 604A.5037 - Limitations on original term. - 1. Except as otherwise provided in this chapter, the original...

NRS 604A.5038 - Licensee required to make determination of ability of customer to repay loan and compliance of loan with certain requirements before making loan. - 1. A licensee who operates a high-interest loan service shall...

NRS 604A.504 - Written loan agreement required; contents. - 1. Before making a high-interest loan to a customer, a...

NRS 604A.5041 - Requirements for collection of defaulted loan; civil action to collect debt; venue. - 1. If a customer defaults on a high-interest loan, the...

NRS 604A.5042 - Provision of information and materials concerning public assistance and services. - A person who operates a high-interest loan service may, in...

NRS 604A.5043 - Practices regarding customers who are members of military. - Notwithstanding any other provision of law: 1. If a customer...

NRS 604A.5045 - Limitation regarding amount of loan. - 1. A licensee who operates a high-interest loan service shall...

NRS 604A.5046 - Prohibited acts by licensee regarding multiple loans to same customer. - 1. A licensee who operates a high-interest loan service shall...

NRS 604A.5048 - Prohibited acts by licensee: Accepting collateral or other types of security; failing to make certain disclosures; taking incomplete instruments; requiring the purchase of insurance or other goods or services; failing to comply with p... - A licensee who operates a high-interest loan service shall not:...

NRS 604A.5049 - Prohibited acts by licensee: Improper lending and collection practices; deceptive trade practices; false, misleading and deceptive advertising; reinitiating certain transactions; using agent, affiliate or subsidiary to avoid requireme... - A licensee who operates a high-interest loan service shall not:...

NRS 604A.505 - Rescission of loan by customer. - 1. A customer may rescind a high-interest loan on or...

NRS 604A.5052 - Payment of loan in full. - 1. A customer may pay a high-interest loan, or any...

NRS 604A.5053 - Partial payment on loan. - 1. A customer may make a partial payment on a...

NRS 604A.5055 - Repayment plan. - 1. Before a licensee who operates a high-interest loan service...

NRS 604A.5057 - Limitations on using proceeds of new deferred deposit loan or high-interest loan to pay balance of outstanding high-interest loan; exceptions. - 1. Except as otherwise provided in subsection 2, if a...

NRS 604A.5058 - Limitations on amounts licensee may collect after default. - 1. If a customer defaults on a high-interest loan or...

NRS 604A.506 - Limitations on fees licensees may charge after default on installment payments. - In addition to the amounts authorized to be collected pursuant...

NRS 604A.5061 - Limitations on fees licensee may collect for check not paid upon presentment or failure of electronic transfer of money; standards for civil liability and criminal prosecution. - 1. A licensee who operates a high-interest loan service may...

NRS 604A.5063 - Receipt required for each payment by customer; contents. - In addition to any other provision in this chapter, each...

NRS 604A.5064 - Requirements regarding person acting as agent or assisting in making loan. - 1. A person shall not act as an agent for...

NRS 604A.580 - Required disclosures. - 1. A licensee who has been issued a license to...

NRS 604A.581 - Prohibited fees. - A licensee who has been issued a license to operate...

NRS 604A.582 - Prohibited advertisements. - A licensee who has been issued a license to operate...

NRS 604A.583 - Required notices. - A licensee who has been issued a license to operate...

NRS 604A.584 - Limitations on extended term of loans. - A licensee who has been issued a license to operate...

NRS 604A.585 - Rescission of loan by customer. - A licensee who has been issued a license to operate...

NRS 604A.586 - Collection of past due accounts; prohibited acts. - A licensee who has been issued a license to operate...

NRS 604A.587 - Reporting violations of chapter. - A licensee who has been issued a license to operate...

NRS 604A.588 - Certain licensees required to offer repayment plan. - A licensee who has been issued a license to operate...

NRS 604A.589 - Licensee offering services through Internet website required to comply with applicable laws. - A licensee that offers high-interest loan services through an Internet...

NRS 604A.5065 - Licensee required to make determination of ability of customer to repay loan and compliance of loan with certain requirements before making loan. - 1. A licensee who operates a title loan service shall...

NRS 604A.5067 - Written loan agreement required; contents. - 1. Before making a title loan to a customer, a...

NRS 604A.5068 - Requirements for collection of defaulted loan; civil action to collect debt; venue. - 1. If a customer defaults on a title loan, the...

NRS 604A.507 - Practices regarding customers who are members of military. - Notwithstanding any other provision of law: 1. If a customer...

NRS 604A.50705 - Provision of information and materials concerning public assistance and services. - A person who operates a title loan service may, in...

NRS 604A.5071 - Prohibited acts by licensee: Accepting certain collateral or other types of security; failing to make certain disclosures; taking incomplete instruments; requiring the purchase of insurance or other goods or services; failing to compl... - A licensee who operates a title loan service shall not:...

NRS 604A.5072 - Prohibited acts by licensee: Improper lending and collection practices; deceptive trade practices; false, misleading and deceptive advertising; reinitiating certain transactions; using agent, affiliate or subsidiary to avoid requireme... - A licensee who operates a title loan service shall not:...

NRS 604A.5074 - Restrictions on duration of loan and periods of extension. - Notwithstanding any other provision of this chapter to the contrary:...

NRS 604A.5076 - Prohibited acts by licensee regarding amount of loan, ownership of vehicle and customer’s ability to repay loan. - A licensee who makes title loans shall not: 1. Make...

NRS 604A.5078 - Applicability of Uniform Commercial Code; repossession of vehicle; civil action. - 1. Except where in conflict with the provisions of this...

NRS 604A.5079 - Rescission of loan by customer. - 1. A customer may rescind a title loan on or...

NRS 604A.508 - Payment of loan in full. - 1. A customer may pay a title loan, or any...

NRS 604A.5081 - Partial payment on loan. - 1. A customer may make a partial payment on a...

NRS 604A.5083 - Repayment plan. - 1. Before a licensee who operates a title loan service...

NRS 604A.5085 - Limitations on amounts licensee may collect after default. - 1. If a customer defaults on a title loan or...

NRS 604A.5086 - Limitations on fees licensee may collect for check not paid upon presentment or failure of electronic transfer of money; standards for civil liability and criminal prosecution. - 1. A licensee who operates a title loan service may...

NRS 604A.5088 - Receipt required for each payment by customer; contents. - In addition to any other provision in this chapter, each...

NRS 604A.5089 - Requirements regarding person acting as agent or assisting in making loan. - 1. A person shall not act as an agent for...

NRS 604A.590 - Required disclosures. - 1. A licensee who has been issued a license to...

NRS 604A.591 - Prohibited fees. - A licensee who has been issued a license to operate...

NRS 604A.592 - Prohibited advertisements. - A licensee who has been issued a license to operate...

NRS 604A.593 - Required notices. - A licensee who has been issued a license to operate...

NRS 604A.594 - Rescission of loan by customer. - A licensee who has been issued a license to operate...

NRS 604A.595 - Collection of past due accounts; prohibited acts. - A licensee who has been issued a license to operate...

NRS 604A.596 - Reporting violations of chapter. - A licensee who has been issued a license to operate...

NRS 604A.597 - Certain licensees required to offer repayment plan. - A licensee who has been issued a license to operate...

NRS 604A.598 - Licensee offering services through Internet website required to comply with applicable laws. - A licensee that offers title loan services through an Internet...

NRS 604A.509 - Practices regarding customers who are members of military. - Notwithstanding any other provision of law: 1. If a customer...

NRS 604A.5092 - Prohibited acts by licensee: Improper practices; deceptive trade practices; using agent, affiliate or subsidiary to avoid requirements or prohibitions of chapter. - A licensee who operates a check-cashing service shall not: 1....

NRS 604A.5094 - Limitations on fees licensee may collect for check not paid upon presentment or failure of electronic transfer of money; standards for civil liability and criminal prosecution. - 1. A licensee who operates a check-cashing service may collect...

NRS 604A.510 - Short title. - The provisions of NRS 604A.510 to 604A.598, inclusive, may be...

NRS 604A.515 - Applicability. - 1. In addition to the requirements of any other provision...

NRS 604A.5983 - Prohibited annual percentage rates. - A licensee who makes a loan that constitutes consumer credit...

NRS 604A.5985 - Required disclosures. - 1. Before making a loan that constitutes consumer credit to...

NRS 604A.5987 - Prohibited terms of consumer credit to covered service member. - A licensee shall not make a loan that constitutes consumer...

NRS 604A.600 - Application for license. - 1. An application for a license pursuant to the provisions...

NRS 604A.605 - Additional materials to be submitted with application; grounds for denial of license. [Effective until the date on which the Commissioner of Financial Institutions notifies the Governor and the Director of the Legislative Counsel Burea... - 1. In addition to any other requirements set forth in...

NRS 604A.610 - Surety bond. - 1. Except as otherwise provided in NRS 604A.615, each application...

NRS 604A.615 - Deposit of securities in lieu of surety bond. - 1. In lieu of any surety bond, or any portion...

NRS 604A.620 - Application for license for office or other place of business located outside State. - 1. A person may apply for a license for an...

NRS 604A.625 - Investigation of applicant; notice; hearing; order. - 1. Upon the filing of the application and the payment...

NRS 604A.630 - Procedure upon denial of license. - If the Commissioner finds that any applicant does not possess...

NRS 604A.635 - Issuance of license; display of license; issuance of additional licenses for branch locations; contents of license; license not transferable or assignable. - 1. The Commissioner shall enter an order granting an application...

NRS 604A.640 - Expiration, renewal and reinstatement of license; fees. [Effective until the date on which the Commissioner of Financial Institutions notifies the Governor and the Director of the Legislative Counsel Bureau that the Nationwide Multista... - 1. A license issued pursuant to the provisions of this...

NRS 604A.645 - Change of control of licensee: Notice; application to Commissioner. - 1. A licensee shall immediately notify the Commissioner of any...

NRS 604A.650 - Licensee must conduct business in accordance with license; approval of business name; prohibition against using misleading or confusing business name or printed forms. - 1. A licensee shall not conduct the business of making...

NRS 604A.655 - Restrictions on location where licensee may conduct business; requirements to conduct business at same location as mortgage company or pawnbroker. - 1. Except as otherwise provided in this section, a licensee...

NRS 604A.660 - Change of address by licensee: Notice; approval by Commissioner; penalty for failure to provide required notice. - 1. A licensee who wishes to change the address of...

NRS 604A.665 - Commissioner authorized to take action to participate in Registry; charges for use; regulations; provisions do not affect authority of Commissioner regarding licensing. [Effective on the date on which the Commissioner of Financial Inst... - 1. The Commissioner may, in furtherance of his or her...

NRS 604A.670 - Submission and processing of fingerprints. [Effective on the date on which the Commissioner of Financial Institutions notifies the Governor and the Director of the Legislative Counsel Bureau that the Nationwide Multistate Licensing Sys... - 1. The Commissioner may require an applicant for a license...

NRS 604A.675 - Commissioner to report information to Registry; confidentiality of information provided; Commissioner authorized to enter into certain agreements and arrangements. [Effective on the date on which the Commissioner of Financial Instituti... - 1. Subject to any limitations or restrictions contained in federal...

NRS 604A.680 - Additional materials to be submitted to Registry. [Effective on the date on which the Commissioner of Financial Institutions notifies the Governor and the Director of the Legislative Counsel Bureau that the Nationwide Multistate Licens... - 1. In addition to any other requirements set forth by...

NRS 604A.685 - Licensee required to register and maintain unique identifier; Commissioner authorized to issue license through Registry; references to Commissioner deemed references to Registry. [Effective on the date on which the Commissioner of Fina... - 1. Each licensee shall register with and maintain a valid...

NRS 604A.700 - Required books and records. - 1. Each licensee shall keep and use in his or...

NRS 604A.710 - Investigation of businesses; examination of books and records by Commissioner. - 1. For the purpose of discovering violations of this chapter...

NRS 604A.720 - Authority of Commissioner to require attendance of witnesses and production of books and records. - 1. The Commissioner may require the attendance of any person...

NRS 604A.730 - Annual examinations by Commissioner; exceptions. - 1. At least once each year, the Commissioner or his...

NRS 604A.740 - Fees for regulatory activities; penalties for failure to pay fees. - 1. The Commissioner shall charge and collect from each licensee...

NRS 604A.750 - Annual report by licensee; composite reports. [Effective until the date on which the Commissioner of Financial Institutions notifies the Governor and the Director of the Legislative Counsel Bureau that the Nationwide Multistate Licensi... - 1. Annually, on or before April 15, each licensee shall...

NRS 604A.760 - Fees for failure to submit reports. - 1. If a licensee fails to submit any report required...

NRS 604A.800 - Temporary suspension of license: Conditions; notice; hearing; terms of suspension. - If the Commissioner finds that probable cause for revocation of...

NRS 604A.810 - Order to desist and refrain; action to enjoin violation; appointment of receiver. - 1. Whenever the Commissioner has reasonable cause to believe that...

NRS 604A.820 - Procedure for taking disciplinary action; authorized disciplinary action; grounds. - 1. If the Commissioner has reason to believe that grounds...

NRS 604A.830 - Additional grounds for disciplinary action. - In addition to any other lawful reasons, the Commissioner may...

NRS 604A.840 - Surrender of license by licensee; effect of surrender. - A licensee may surrender any license issued pursuant to the...

NRS 604A.850 - Preexisting contracts unaffected by revocation, suspension, expiration or surrender of license. - A revocation, suspension, expiration or surrender of any license does...

NRS 604A.900 - Remedies for certain willful violations. - 1. Except as otherwise provided in this section, if a...

NRS 604A.910 - Administrative fines for unlicensed activity. - In addition to any other remedy or penalty, the Commissioner...

NRS 604A.920 - Other remedies for unlicensed activity. - If a person operates a check-cashing service, deferred deposit loan...

NRS 604A.930 - Civil action. - 1. Subject to the affirmative defense set forth in subsection...

NRS 604A.940 - Exercise of jurisdiction over party to civil action; service of summons to confer jurisdiction. - 1. A court of this State may exercise jurisdiction over...

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Nevada Revised Statutes Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services

Nevada Revised Statutes
Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services