CHAPTER 1. CREDIT TRANSACTIONS
- Part 1. Loans of Money -- Interest Rates
- 31-1-101. Loan of money -- what constitutes.
- 31-1-102. Loan to be repaid in current money.
- 31-1-103. Loan presumed to be on interest.
- 31-1-104. Interest defined.
- 31-1-105. Annual rate.
- 31-1-106. Legal interest.
- 31-1-107. Interest rate allowed by agreement.
- 31-1-108. Penalty for usury -- action to recover excessive interest.
- 31-1-109. When interest becomes part of principal.
- 31-1-110. Renumbered .
- 31-1-111. Definition of regulated lender.
- 31-1-112. Interest rate limitation exemption -- regulated lenders -- merchant finance.
- 31-1-113. Limitation of rule of 78ths.
- 31-1-114. reserved.
- 31-1-115. Issuing credit cards to minors -- collection of debt.
- 31-1-116. Commercial loans -- when written agreement required.
- Part 2. Retail Installment Sales
- 31-1-201. Short title.
- 31-1-202. Definitions.
- 31-1-203. Penalties.
- 31-1-204. Waiver.
- 31-1-205. through reserved.
- 31-1-211. Powers of department.
- 31-1-212. Investigations and complaints.
- 31-1-213. through reserved.
- 31-1-221. Licensing of sales finance companies required.
- 31-1-222. Denial, suspension, or revocation of licenses.
- 31-1-223. through reserved.
- 31-1-231. Requirements of retail installment contracts.
- 31-1-232. Buyer's right of rescission.
- 31-1-233. Insurance.
- 31-1-234. Transfer of equity -- fee.
- 31-1-235. Delinquency fee.
- 31-1-236. Notice and receipt of payment.
- 31-1-237. through reserved.
- 31-1-241. Finance charge limitation.
- 31-1-242. Refunds on prepayment.
- 31-1-243. Refinancing retail installment contract.
- Part 3. Wage Brokers
- 31-1-301. Wage brokers to procure license and give bond.
- 31-1-302. Issuance of license -- terms and amount thereof.
- 31-1-303. Wage broker defined.
- 31-1-304. Restrictions upon assignment of wages or salary.
- 31-1-305. Interest on loans -- amount and computation.
- 31-1-306. Spouse must join in assignment of wages -- acknowledgment.
- 31-1-307. Assignments invalid without notice to employer -- filing assignments.
- 31-1-308. Assignment to be considered a loan.
- 31-1-309. Violation -- penalties.
- 31-1-310. When note, instrument, or assignment void.
- Part 4. Pawnbrokers
- Part 5. Retail Sales -- Late Payment Charges
- Part 6. State-Sponsored Credit Card (Repealed)
- Part 7. Montana Deferred Deposit Loan Act
- 31-1-701. Short title.
- 31-1-702. Purpose -- rules -- fees.
- 31-1-703. Definitions.
- 31-1-704. Scope.
- 31-1-705. License -- application requirements -- business locations.
- 31-1-706. License renewal fee.
- 31-1-707. Denial of license and license renewal.
- 31-1-708. through reserved.
- 31-1-711. Examinations -- fee.
- 31-1-712. License revocation or suspension -- restitution -- penalty.
- 31-1-713. Complaint procedure.
- 31-1-714. Information and annual reports.
- 31-1-715. Loan requirements -- right of rescission -- arbitration -- completion of transaction.
- 31-1-716. through reserved.
- 31-1-721. Required disclosures -- loan agreement.
- 31-1-722. Prohibited and permitted fees -- attorney fees and costs.
- 31-1-723. Prohibited acts.
- 31-1-724. Civil remedies.
- 31-1-725. Criminal penalties.
- 31-1-726. Investigations by department -- subpoenas -- oaths -- examination of witnesses and evidence.
- 31-1-727. Cease and desist orders.
- 31-1-728. Injunctions -- receivers.
- 31-1-729. Violation of specified federal laws -- rulemaking authority.
- Part 8. Title Loan Act
- 31-1-801. Short title.
- 31-1-802. Purpose -- rules -- fees.
- 31-1-803. Definitions.
- 31-1-804. Licensure of title lenders
- 31-1-805. Qualifications for licensure.
- 31-1-806. through reserved.
- 31-1-810. Examinations -- fees.
- 31-1-811. License revocation or suspension -- unlicensed activity -- restitution -- penalty.
- 31-1-812. Complaint procedure.
- 31-1-813. Investigations by department -- subpoenas -- oaths -- examination of witnesses and evidence.
- 31-1-814. reserved.
- 31-1-815. Information and annual reports.
- 31-1-816. Title loan requirements -- liability of borrower -- right of rescission -- arbitration.
- 31-1-817. Interest rates -- fees charged.
- 31-1-818. Title loan agreements -- required disclosures.
- 31-1-819. Required disclosure pamphlet.
- 31-1-820. Redemption of certificate of title -- failure to take possession.
- 31-1-821. Records of title loan agreements.
- 31-1-822. Safekeeping of certificates of title -- liability insurance -- liability.
- 31-1-823. and reserved.
- 31-1-825. Prohibited acts.
- 31-1-826. Civil remedies.
- 31-1-827. Criminal penalties.
- 31-1-828. Denial of license and license renewal.
- 31-1-829. Violation of specified federal laws -- rulemaking authority.
- 31-1-830. through reserved.
- 31-1-841. Cease and desist orders.
- 31-1-842. Injunctions -- receivers.