North Carolina General Statutes
Chapter 25A - Retail Installment Sales Act
§ 25A-13 - "Consumer Credit Protection Act" defined.

25A-13. "Consumer Credit Protection Act" defined.
"Consumer Credit Protection Act" means the Consumer Credit Protection Act, an act of Congress of May 29, 1968, as amended (Public Law 90-321; 82 Stat. 146; 15 U.S.C. 1601 et seq.), and regulations and rulings promulgated thereunder. (1971, c. 796, s. 1.)

Structure North Carolina General Statutes

North Carolina General Statutes

Chapter 25A - Retail Installment Sales Act

§ 25A-1 - Scope of act.

§ 25A-2 - "Consumer credit sale" defined.

§ 25A-3 - "Payable in installments" defined.

§ 25A-4 - "Goods" defined.

§ 25A-5 - "Services" defined.

§ 25A-6 - "Seller" defined.

§ 25A-7 - "Cash price" defined.

§ 25A-8 - "Finance charge" defined.

§ 25A-9 - "Amount financed" defined.

§ 25A-10 - "Official fees" defined.

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

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

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

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

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

§ 25A-16 - Transfer of equity.

§ 25A-17 - Additional charges for insurance.

§ 25A-18 - Confession of judgment.

§ 25A-19 - Acceleration.

§ 25A-20 - Disclaimer of warranty.

§ 25A-21 - Attorneys' fees.

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

§ 25A-23 - Collateral taken by the seller.

§ 25A-24 - Identification of instruments of indebtedness.

§ 25A-25 - Preservation of consumers' claims and defenses.

§ 25A-26 - Substitution of collateral.

§ 25A-27 - Application of payments.

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

§ 25A-29 - Default charges.

§ 25A-30 - Deferral charges.

§ 25A-31 - Consolidation and refinancing.

§ 25A-32 - Rebates on prepayment.

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

§ 25A-33 - Terms of payments.

§ 25A-34 - Balloon payments.

§ 25A-35 - Statement of account.

§ 25A-36 - Certificates of insurance and rebates.

§ 25A-37 - Referral sales.

§ 25A-38 - "Home-solicitation sale" defined.

§ 25A-39 - Buyer's right to cancel.

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

§ 25A-41 - Restoration of down payment; retention of goods.

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

§ 25A-43 - Unconscionability.

§ 25A-44 - Remedies and penalties.

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