Chapter 16a CONSUMER CREDIT CODE
- Article 1 GENERAL PROVISIONS AND DEFINITIONS
- 16a-1-101. (UCCC) Short title.
- 16a-1-102. (UCCC) Purposes; rules of construction.
- 16a-1-103. (UCCC) Supplementary general principles of law applicable.
- 16a-1-104. (UCCC) Construction against implicit repeal.
- 16a-1-105. (UCCC) Severability.
- 16a-1-107. (UCCC) Waiver; agreement to forego rights; settlement of claims.
- 16a-1-108. (UCCC) Effect of act on powers of organization.
- 16a-1-109. (UCCC) Transactions subject to act by agreement.
- 16a-1-201. (UCCC) Territorial application.
- 16a-1-202. (UCCC) Exclusions.
- 16a-1-301. General definitions.
- 16a-1-302
- 16a-1-303. (UCCC) Residential mortgage loan originator; definitions.
- Article 2 FINANCE CHARGES AND RELATED PROVISIONS
- 16a-2-101. (UCCC) Short title.
- 16a-2-102. (UCCC) Scope.
- 16a-2-103. Computation of finance charges.
- 16a-2-104. (UCCC) Payment credit date.
- 16a-2-201. Finance charge for closed end consumer credit sales.
- 16a-2-202. Finance charge for consumer credit sales pursuant to open end credit.
- 16a-2-301. (UCCC) Authority to make supervised loans; residential mortgage loan origination; registration required.
- 16a-2-302. (UCCC) License to make supervised loans; registration for residential mortgage loan originator fees.
- 16a-2-303. (UCCC) Denial, revocation or suspension of license; disciplinary proceedings.
- 16a-2-303a. Denial, revocation or suspension of registration of residential mortgage loan originator.
- 16a-2-304. Records; annual reports; maintenance of records; security of records; preservation of records.
- 16a-2-305
- 16a-2-306
- 16a-2-307. (UCCC) Restrictions on interest in land as security.
- 16a-2-308. (UCCC) Regular schedule of payments; maximum loan term.
- 16a-2-309. Conduct of business; other than making loans.
- 16a-2-310. Prohibited acts by persons licensed or registered under act.
- 16a-2-401. Finance charge for consumer loan; loan secured by mortgage or interest in manufactured home; prepaid finance charges.
- 16a-2-401a
- 16a-2-401b
- 16a-2-402. (UCCC) Consumer loans pursuant to open end credit; allowable charges per billing cycle.
- 16a-2-403. Prohibiting surcharge on credit cards.
- 16a-2-404. Payday loans; finance charges; rights and duties.
- 16a-2-405. Payday loans to military borrowers; restrictions.
- 16a-2-501. (UCCC) Additional charges.
- 16a-2-502. (UCCC) Delinquency charges.
- 16a-2-503
- 16a-2-504. (UCCC) Finance charge on refinancing.
- 16a-2-505. (UCCC) Finance charge on consolidation.
- 16a-2-506. (UCCC) Advances to perform covenants of consumer.
- 16a-2-507. (UCCC) Recovery of collection costs and attorney fees.
- 16a-2-508. (UCCC) Conversion to open end credit.
- 16a-2-509. (UCCC) Right to prepay.
- 16a-2-510. (UCCC) Prepayment; minimum charges; judgments; rebate.
- 16a-2-511
- Article 3 REGULATION OF AGREEMENTS AND PRACTICES
- 16a-3-101. (UCCC) Short title.
- 16a-3-102. (UCCC) Scope.
- 16a-3-201. (UCCC) Consumer leases.
- 16a-3-202. (UCCC) Notice to consumer.
- 16a-3-203. (UCCC) Notice of assignment.
- 16a-3-203a. Receipt of payment by assignor.
- 16a-3-204. (UCCC) Change in terms of open end credit accounts.
- 16a-3-205. (UCCC) Receipts; statements of account; evidence of payment.
- 16a-3-206. (UCCC) Compliance with rules and regulations; truth in lending.
- 16a-3-207. Consumer loans secured by certain real estate mortgages; appraisals and notice.
- 16a-3-208. Advertising; prohibited conduct.
- 16a-3-209. Calendar days used for computing time.
- 16a-3-301. (UCCC) Security in sales or leases.
- 16a-3-302. (UCCC) Cross-collateral.
- 16a-3-303. (UCCC) Debt secured by cross-collateral.
- 16a-3-304. (UCCC) Use of multiple agreements.
- 16a-3-305. (UCCC) No assignment of earnings.
- 16a-3-306. (UCCC) Authorization to confess judgment prohibited.
- 16a-3-307. (UCCC) Certain negotiable instruments prohibited.
- 16a-3-308. (UCCC) Balloon payments.
- 16a-3-308a. Loans secured by mortgages on consumer's principal residence; negative amortization and balloon payments prohibited.
- 16a-3-309. (UCCC) Referral sales.
- 16a-3-401. (UCCC) Restriction on liability in consumer lease.
- 16a-3-402. (UCCC) Limitation on default charges.
- 16a-3-403. (UCCC) Credit card issuer subject to defenses.
- 16a-3-404. (UCCC) Assignee subject to defenses; application of payments received by assignee; limitation of actions; assignee may require seller or lessor to repurchase obligation; joinder of parties;
- 16a-3-405. (UCCC) Lender subject to defenses arising from sales and leases.
- Article 4 INSURANCE
- 16a-4-101. (UCCC) Short title.
- 16a-4-102. (UCCC) Scope.
- 16a-4-103. (UCCC) Definition: "Consumer credit insurance."
- 16a-4-104. (UCCC) Creditor's provision of and charge for insurance; excess amount of charge.
- 16a-4-105. (UCCC) Conditions applying to insurance to be provided by creditor.
- 16a-4-106. (UCCC) Unconscionability.
- 16a-4-107. (UCCC) Maximum charge by creditor for insurance.
- 16a-4-108. (UCCC) Refund or credit required; amount.
- 16a-4-109. (UCCC) Existing insurance; choice of insurer; notice of option.
- 16a-4-110. (UCCC) Charge for insurance in connection with a refinancing or consolidation; duplicate charges.
- 16a-4-111. (UCCC) Cooperation between administrator and commissioner of insurance.
- 16a-4-112. (UCCC) Administrative action of commissioner of insurance.
- 16a-4-201. (UCCC) Term of insurance.
- 16a-4-202. (UCCC) Amount of insurance.
- 16a-4-203. (UCCC) Filing and approval of rates and forms.
- 16a-4-301. (UCCC) Property insurance.
- 16a-4-302. (UCCC) Insurance on creditor's interest only.
- 16a-4-303. (UCCC) Liability insurance.
- 16a-4-304. (UCCC) Cancellation by creditor.
- Article 5 REMEDIES AND PENALTIES
- 16a-5-101. (UCCC) Short title.
- 16a-5-102. (UCCC) Scope.
- 16a-5-103. (UCCC) Restrictions on deficiency judgments.
- 16a-5-107. (UCCC) Extortionate extensions of credit.
- 16a-5-108. (UCCC) Unconscionability; inducement by unconscionable conduct.
- 16a-5-109. (UCCC) Default.
- 16a-5-110. (UCCC) Notice of consumer's right to cure.
- 16a-5-111. (UCCC) Cure of default.
- 16a-5-112. (UCCC) Creditor's right to take possession after default.
- 16a-5-201. (UCCC) Effect of violations on rights of parties.
- 16a-5-202. (UCCC) Refunds and penalties as setoff to obligation.
- 16a-5-203. (UCCC) Civil liability for violation of disclosure provisions.
- 16a-5-301. (UCCC) Intentional violations; penalties.
- 16a-5-302
- Article 6 ADMINISTRATION
- 16a-6-101. (UCCC) Short title.
- 16a-6-102. (UCCC) Applicability.
- 16a-6-103
- 16a-6-104. (UCCC) Powers of administrator; reliance on rules and regulations; written administrative interpretations; nationwide mortgage licensing system and registry.
- 16a-6-105. (UCCC) Administrative powers with respect to supervised financial organizations.
- 16a-6-106. (UCCC) Examination and investigatory powers; costs.
- 16a-6-107
- 16a-6-108. Enforcement of act; cease and desist orders; penalties; appeals.
- 16a-6-109. (UCCC) Assurance of discontinuance.
- 16a-6-110. (UCCC) Injunctions against violations of act.
- 16a-6-111. (UCCC) Injunctions against unconscionable agreements and fraudulent or unconscionable conduct.
- 16a-6-112. (UCCC) Temporary relief.
- 16a-6-113. (UCCC) Civil actions by administrator.
- 16a-6-115. (UCCC) Consumer's remedies not affected.
- 16a-6-116. (UCCC) Venue.
- 16a-6-117. Rules and regulations; truth in lending.
- 16a-6-201. (UCCC) Applicability.
- 16a-6-202. (UCCC) Notification.
- 16a-6-203. Fees.
- 16a-6-204
- 16a-6-301
- 16a-6-302, 16a-6-303
- 16a-6-401. (UCCC) Applicability and scope.
- 16a-6-402. (UCCC) Definitions in part.
- 16a-6-403. (UCCC) Public information; adoption of rules; availability of rules and orders.
- 16a-6-404. Procedure for adoption of rules.
- 16a-6-405. Filing and taking effect of rules.
- 16a-6-406. Publication of rules.
- 16a-6-407. (UCCC) Petition for adoption, amendment or repeal of rules.
- 16a-6-408. Declaratory judgment on validity or applicability or rules.
- 16a-6-409. (UCCC) Declaratory rulings by administrator.
- 16a-6-410. (UCCC) Contested cases; orders subject to provisions of Kansas administrative procedure act; informal disposition.
- 16a-6-411, 16a-6-412
- 16a-6-413
- 16a-6-414. Judicial review of administrator's actions.
- Article 9 EFFECTIVE DATE AND REPEALER