South Dakota Codified Laws
Title 54 - Debtor and Creditor
Chapter 03A - Consumer Installment Sales Contracts

Section 54-3A-1 - Definition of terms. - 54-3A-1. Definition of terms. Terms used in this chapter mean:...

Section 54-3A-2 - Items included in amount financed. - 54-3A-2. Items included in amount financed. As used in this...

Section 54-3A-3 - Finance charges on installment sales contract. - 54-3A-3. Finance charges on installment sales contract. Notwithstanding the provisions...

Section 54-3A-5 - Additional charges allowed--Disclosure and explanation to consumer--Separate agreement. - 54-3A-5. Additional charges allowed--Disclosure and explanation to consumer--Separate agreement. In...

Section 54-3A-6 - Commencement of term of obligation--Down payments. - 54-3A-6. Commencement of term of obligation--Down payments. The term of...

Section 54-3A-7 - Modification of agreement to increase outstanding obligation prohibited--Exception. - 54-3A-7. Modification of agreement to increase outstanding obligation prohibited--Exception. Except...

Section 54-3A-8 - Rule for computing refund of charges on prepayment. - 54-3A-8. Rule for computing refund of charges on prepayment. As...

Section 54-3A-8.1 - Restriction on use of rule. - 54-3A-8.1. Restriction on use of rule. The Rule of 78...

Section 54-3A-9 - Rebate of portion of finance charge on prepayment or refinancing--Exceptions. - 54-3A-9. Rebate of portion of finance charge on prepayment or...

Section 54-3A-10 - Rebate on acceleration of maturity. - 54-3A-10. Rebate on acceleration of maturity. If the maturity of...

Section 54-3A-11 - Delinquent installments--Notice of penalty to consumer. - 54-3A-11. Delinquent installments--Notice of penalty to consumer. If the buyer...

Section 54-3A-12 - Imposition and collection of delinquency charge. - 54-3A-12. Imposition and collection of delinquency charge. The holder of...

Section 54-3A-12.1 - Imposition and collection of returned check charge--Maximum. - 54-3A-12.1. Imposition and collection of returned check charge--Maximum. The holder...

Section 54-3A-14 - Unilateral deferral by creditor prohibited. - 54-3A-14. Unilateral deferral by creditor prohibited. No term of a...

Section 54-3A-15 - Deferral agreement requirements. - 54-3A-15. Deferral agreement requirements. A deferral agreement shall: (1)Be in...

Section 54-3A-16 - Deferral charge not collected on refinancing. - 54-3A-16. Deferral charge not collected on refinancing. A charge may...

Section 54-3A-17 - Refinancing agreement--Rebate excluded. - 54-3A-17. Refinancing agreement--Rebate excluded. A creditor may, by written agreement...

Section 54-3A-18 - Refinancing agreement requirements. - 54-3A-18. Refinancing agreement requirements. A refinancing agreement shall: (1)Be in...

Section 54-3A-19 - Creditor's remedies on delinquency. - 54-3A-19. Creditor's remedies on delinquency. If a delinquent installment is...

Section 54-3A-20 - Debt forfeited for excessive charges--Costs and attorney fees. - 54-3A-20. Debt forfeited for excessive charges--Costs and attorney fees. If...

Section 54-3A-21 - Limitation on action for excessive charges. - 54-3A-21. Limitation on action for excessive charges. With respect to...

Section 54-3A-22 - Demand required before action for excessive charges. - 54-3A-22. Demand required before action for excessive charges. No action...

Section 54-3A-23 - Proof of unintentional error. - 54-3A-23. Proof of unintentional error. The creditor shall have the...

Section 54-3A-24 - Promulgation of rules. - 54-3A-24. Promulgation of rules. The Department of Labor and Regulation...

Section 54-3A-25 - Severability of provisions. - 54-3A-25. Severability of provisions. If any part of this chapter...