North Carolina General Statutes
Chapter 25A - Retail Installment Sales Act

§ 25A-1 - Scope of act. - 25A-1. Scope of act. This Chapter applies only to consumer...

§ 25A-2 - "Consumer credit sale" defined. - 25A-2. "Consumer credit sale" defined. (a) Except as provided in...

§ 25A-3 - "Payable in installments" defined. - 25A-3. "Payable in installments" defined. A debt is "payable in...

§ 25A-4 - "Goods" defined. - 25A-4. "Goods" defined. (a) "Goods" means all things which are...

§ 25A-5 - "Services" defined. - 25A-5. "Services" defined. (a) "Services" includes: (1) Work, labor, and...

§ 25A-6 - "Seller" defined. - 25A-6. "Seller" defined. "Seller" means one regularly engaged in the...

§ 25A-7 - "Cash price" defined. - 25A-7. "Cash price" defined. "Cash price" of goods and services...

§ 25A-8 - "Finance charge" defined. - 25A-8. "Finance charge" defined. (a) "Finance charge" means the sum...

§ 25A-9 - "Amount financed" defined. - 25A-9. "Amount financed" defined. (a) "Amount financed" means the total...

§ 25A-10 - "Official fees" defined. - 25A-10. "Official fees" defined. "Official fees" means any of the...

§ 25A-11 - "Revolving charge account contract" defined. - 25A-11. "Revolving charge account contract" defined. "Revolving charge account contract"...

§ 25A-12 - "Consumer credit installment sale contract" defined. - 25A-12. "Consumer credit installment sale contract" defined. "Consumer credit installment...

§ 25A-13 - "Consumer Credit Protection Act" defined. - 25A-13. "Consumer Credit Protection Act" defined. "Consumer Credit Protection Act"...

§ 25A-14 - Finance charge rates and service charge for revolving charge account contracts. - 25A-14. Finance charge rates and service charge for revolving charge...

§ 25A-15 - Finance charge rates for consumer credit installment sale contracts. - 25A-15. Finance charge rates for consumer credit installment sale contracts....

§ 25A-16 - Transfer of equity. - 25A-16. Transfer of equity. If a buyer voluntarily transfers his...

§ 25A-17 - Additional charges for insurance. - 25A-17. Additional charges for insurance. (a) As to revolving charge...

§ 25A-18 - Confession of judgment. - 25A-18. Confession of judgment. A buyer may not authorize any...

§ 25A-19 - Acceleration. - 25A-19. Acceleration. With respect to a consumer credit sale, the...

§ 25A-20 - Disclaimer of warranty. - 25A-20. Disclaimer of warranty. With respect to any consumer credit...

§ 25A-21 - Attorneys' fees. - 25A-21. Attorneys' fees. With respect to a consumer credit sale:...

§ 25A-22 - Receipts for payments; return of title documents upon full payment. - 25A-22. Receipts for payments; return of title documents upon full...

§ 25A-23 - Collateral taken by the seller. - 25A-23. Collateral taken by the seller. (a) The seller in...

§ 25A-24 - Identification of instruments of indebtedness. - 25A-24. Identification of instruments of indebtedness. With respect to consumer...

§ 25A-25 - Preservation of consumers' claims and defenses. - 25A-25. Preservation of consumers' claims and defenses. (a) In a...

§ 25A-26 - Substitution of collateral. - 25A-26. Substitution of collateral. Subject to the provisions of G.S....

§ 25A-27 - Application of payments. - 25A-27. Application of payments. (a) Where a seller in a...

§ 25A-28 - Form of consumer credit installment sale contract. - 25A-28. Form of consumer credit installment sale contract. Every consumer...

§ 25A-29 - Default charges. - 25A-29. Default charges. (a) If any installment is past due...

§ 25A-30 - Deferral charges. - 25A-30. Deferral charges. (a) A seller may, by agreement with...

§ 25A-31 - Consolidation and refinancing. - 25A-31. Consolidation and refinancing. (a) A seller and a buyer...

§ 25A-32 - Rebates on prepayment. - 25A-32. Rebates on prepayment. Notwithstanding any provision in a consumer...

§ 25A-32.1 - Unearned finance charge credits on prepayment of loans secured by real property and mobile home loans. - 25A-32.1. Unearned finance charge credits on prepayment of loans secured...

§ 25A-33 - Terms of payments. - 25A-33. Terms of payments. A consumer credit installment sale contract...

§ 25A-34 - Balloon payments. - 25A-34. Balloon payments. With respect to a consumer credit sale,...

§ 25A-35 - Statement of account. - 25A-35. Statement of account. (a) One time during each 12-month...

§ 25A-36 - Certificates of insurance and rebates. - 25A-36. Certificates of insurance and rebates. (a) Within 45 days...

§ 25A-37 - Referral sales. - 25A-37. Referral sales. The advertisement for sale or the actual...

§ 25A-38 - "Home-solicitation sale" defined. - 25A-38. "Home-solicitation sale" defined. "Home-solicitation sale" means a consumer credit...

§ 25A-39 - Buyer's right to cancel. - 25A-39. Buyer's right to cancel. (a) Except as provided in...

§ 25A-40 - Form of agreement or offer; statement of buyer's rights. - 25A-40. Form of agreement or offer; statement of buyer's rights....

§ 25A-41 - Restoration of down payment; retention of goods. - 25A-41. Restoration of down payment; retention of goods. (a) Except...

§ 25A-42 - Duties as to care and return of goods; no compensation for services prior to cancellation. - 25A-42. Duties as to care and return of goods; no...

§ 25A-43 - Unconscionability. - 25A-43. Unconscionability. (a) With respect to a consumer credit sale,...

§ 25A-44 - Remedies and penalties. - 25A-44. Remedies and penalties. In addition to remedies hereinbefore provided,...

§ 25A-45 - Conflict with Consumer Credit Protection Act. - 25A-45. Conflict with Consumer Credit Protection Act. In all cases...