26.1-37 Credit Insurance
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CHAPTER 26.1-37CREDIT INSURANCE26.1-37-01. Scope.1.This chapter may be cited as the "Consumer Credit Insurance Model Act".2.All consumer credit insurance issued or sold in connection with loans or other credit<br>transactions for personal, family, or household purposes is subject to the provisions<br>of this chapter, except:a.Insurance written in connection with a credit transaction that is:(1)Secured by a first mortgage or deed of trust; or(2)Made to finance the purchase of real property or the construction of a<br>dwelling thereon, or to refinance a prior credit transaction made for such<br>a purpose;b.Transactions involving extensions of credit primarily for business or commercial<br>purposes;c.Private passenger motor vehicle insurance or mobile homeowner's insurance;d.Creditor-placed insurance;e.Insurance sold as an isolated transaction on the part of the insurer and not<br>related to an agreement or a plan for insuring debtors of the creditor;f.Insurance for which no identifiable charge is made to the debtor; andg.Insurance on accounts receivable.26.1-37-02. Definitions. For the purposes of this chapter:1."Closed-end credit" means a credit transaction that does not meet the definition of<br>open-end credit.2."Collateral" means personal property that is pledged as security for the satisfaction<br>of a debt.3."Consumer credit insurance" is a general term used in this chapter to refer to any or<br>all of credit life insurance, credit accident and health insurance, credit unemployment<br>insurance, credit property, or any other credit insurance.4."Credit accident and health insurance" means insurance on a debtor to provide<br>indemnity for payments becoming due on a specific loan or other credit transaction<br>while the debtor is disabled as defined in the policy.5."Credit agreement" means the written document that sets forth the terms of the<br>credit transaction and includes the security agreement.6."Credit life insurance" means insurance on a debtor or debtors, pursuant to or in<br>connection with a specific loan or other credit transaction, to provide for satisfaction<br>of a debt, in whole or in part, upon the death of an insured debtor.7."Credit property insurance" means any policy, endorsement, rider, binder, certificate,<br>or other instrument or evidence of insurance covering perils to goods purchasedPage No. 1through a credit transaction or used as collateral for a credit transaction and which<br>concerns a creditor's interest in the purchased goods or pledged collateral either in<br>whole or in part.8."Credit transaction" means any transaction by the terms of which the repayment of<br>money loaned or loan commitment made, or payment for goods, services, or<br>properties sold or leased, is to be made at a future date or dates.9."Credit unemployment insurance" means insurance on a debtor to provide indemnity<br>for payments or debt becoming due on a specific loan or other credit transaction<br>while the debtor is involuntarily unemployed as defined in the policy.10."Creditor" means the lender of money or vendor or lessor of goods, services, or<br>property, rights, or privileges, for which payment is arranged through a credit<br>transaction, or any successor to the right, title, or interest of the lender, vendor, or<br>lessor, and an affiliate, associate, or subsidiary of any of them or any director,<br>officer, or employee of any of them, or any other person in any way associated with<br>any of them.11."Creditor-placed insurance" means insurance that is purchased unilaterally by the<br>creditor, who is the named insured, subsequent to the date of the credit transaction,<br>providing coverage against loss, expense, or damage to the collateralized personal<br>property as a result of fire, theft, collision, or other risks of loss that would either<br>impair a creditor's interest or adversely affect the value of collateral covered by dual<br>interest insurance. It is purchased according to the terms of the credit agreement as<br>a result of the debtor's failure to provide required physical damage insurance, with<br>the cost of the coverage being charged to the debtor. It is either single interest<br>insurance or limited dual interest insurance.12."Debtor" means a borrower of money or a purchaser or lessee of goods, services,<br>property, rights, or privileges for which payment is arranged through a credit<br>transaction.13."Dual interest insurance" means credit property insurance covering the seller's or<br>creditor's interest and at least partially the borrower's interest in the goods<br>purchased through the credit transaction or pledged as collateral for the credit<br>transaction.14."Finance charge" means any charge payable directly or indirectly as an incident to or<br>as a condition of the extension of credit, including interest; time price differentials;<br>amount payable under a discount system of additional charges; service, transaction,<br>or carrying charges; loan fees; points or similar charges; appraisal fees; or charges<br>incurred for investigating the creditworthiness of the consumer. The terms do not<br>include charges as a result of default, taxes, license fees, delinquency charges, or<br>filing fees.15."Gross debt" means the sum of the remaining payments owed to the creditor by the<br>debtor.16."Identifiable charge" means a charge for a type of consumer credit insurance that is<br>made to debtors having such insurance and not made to debtors not having such<br>insurance, and includes a charge for insurance that is disclosed in the credit or other<br>instrument furnished to the debtor which sets out the financial elements of the credit<br>transaction and any difference in the finance, interest, service, or other similar<br>charge made to debtors who are in like circumstances except for the insured or<br>noninsured status of the debtor or of the property used as security for the credit<br>transaction.Page No. 217."Net debt" means the amount necessary to liquidate the remaining debt in a single<br>lump sum payment, excluding all unearned interest and other unearned finance<br>charges.18."Open-end credit" means credit extended by a creditor under an agreement in<br>which:a.The creditor reasonably contemplates repeated transactions;b.The creditor imposes a finance charge from time to time on an outstanding<br>unpaid balance; andc.The amount of credit that may be extended to the debtor during the term of the<br>agreement, up to any limit set by the creditor, is generally made available to the<br>extent that any outstanding balance is repaid.26.1-37-03. Issuance of policies and certificates. All credit insurance subject to thischapter may be delivered or issued for delivery in this state only by an insurer authorized to do<br>an insurance business therein and may be issued only through holders of licenses or<br>authorizations issued by the commissioner.26.1-37-04. Forms of credit life insurance and credit accident and health insurance.Repealed by S.L. 2001, ch. 278,</div></article><aside class="right-sidebar"><div class="related-sidebar"><h3><span class="emoji">⚖️</span> State Laws</h3><ul class="state-laws-list"><li><a href="https://state-laws.laws.com/state-of-alabama">The State Laws of <!-- -->Alabama</a></li><li><a href="https://state-laws.laws.com/state-of-alaska">The State Laws of <!-- -->Alaska</a></li><li><a href="https://state-laws.laws.com/state-of-arizona">The State Laws of <!-- -->Arizona</a></li><li><a href="https://state-laws.laws.com/state-of-arkansas">The State Laws of <!-- -->Arkansas</a></li><li><a href="https://state-laws.laws.com/state-of-california">The State Laws of <!-- -->California</a></li><li><a href="https://state-laws.laws.com/state-of-colorado">The State Laws of <!-- -->Colorado</a></li><li><a href="https://state-laws.laws.com/state-of-connecticut">The State Laws of <!-- -->Connecticut</a></li><li><a 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height:815px; text-align:center;\"\u003eLoading PDF...\u003c/div\u003e\u003cscript type=\"text/javascript\"\u003e var pdf_url = 'https://law.justia.com/codes/north-dakota/2009/t261/pdf/t261c37.pdf'; $(document).ready(function() { var embedwindow = $(\"#embed_document\"); if ($.browser.msie){ embedwindow.html('\u003cembed src=\"'+pdf_url+'\" width=\"100%\" height=\"100%\"\u003e\u003c/embed\u003e'); } else { embedwindow.html('\u003ciframe style=\"width:100%; height:100%;\" src=\"https://docs.google.com/gview?url='+window.escape(pdf_url)+'\u0026embedded=true\" frameborder=\"0\"\u003e\u003c/iframe\u003e'); } });\u003c/script\u003e\u003cbr\u003e\u003cbr\u003e\u003cnoframes\u003eCHAPTER 26.1-37CREDIT INSURANCE26.1-37-01. Scope.1.This chapter may be cited as the \u0026quot;Consumer Credit Insurance Model Act\u0026quot;.2.All consumer credit insurance issued or sold in connection with loans or other credit\u003cbr\u003etransactions for personal, family, or household purposes is subject to the provisions\u003cbr\u003eof this chapter, except:a.Insurance written in connection with a credit transaction that is:(1)Secured by a first mortgage or deed of trust; or(2)Made to finance the purchase of real property or the construction of a\u003cbr\u003edwelling thereon, or to refinance a prior credit transaction made for such\u003cbr\u003ea purpose;b.Transactions involving extensions of credit primarily for business or commercial\u003cbr\u003epurposes;c.Private passenger motor vehicle insurance or mobile homeowner's insurance;d.Creditor-placed insurance;e.Insurance sold as an isolated transaction on the part of the insurer and not\u003cbr\u003erelated to an agreement or a plan for insuring debtors of the creditor;f.Insurance for which no identifiable charge is made to the debtor; andg.Insurance on accounts receivable.26.1-37-02. Definitions. For the purposes of this chapter:1.\u0026quot;Closed-end credit\u0026quot; means a credit transaction that does not meet the definition of\u003cbr\u003eopen-end credit.2.\u0026quot;Collateral\u0026quot; means personal property that is pledged as security for the satisfaction\u003cbr\u003eof a debt.3.\u0026quot;Consumer credit insurance\u0026quot; is a general term used in this chapter to refer to any or\u003cbr\u003eall of credit life insurance, credit accident and health insurance, credit unemployment\u003cbr\u003einsurance, credit property, or any other credit insurance.4.\u0026quot;Credit accident and health insurance\u0026quot; means insurance on a debtor to provide\u003cbr\u003eindemnity for payments becoming due on a specific loan or other credit transaction\u003cbr\u003ewhile the debtor is disabled as defined in the policy.5.\u0026quot;Credit agreement\u0026quot; means the written document that sets forth the terms of the\u003cbr\u003ecredit transaction and includes the security agreement.6.\u0026quot;Credit life insurance\u0026quot; means insurance on a debtor or debtors, pursuant to or in\u003cbr\u003econnection with a specific loan or other credit transaction, to provide for satisfaction\u003cbr\u003eof a debt, in whole or in part, upon the death of an insured debtor.7.\u0026quot;Credit property insurance\u0026quot; means any policy, endorsement, rider, binder, certificate,\u003cbr\u003eor other instrument or evidence of insurance covering perils to goods purchasedPage No. 1through a credit transaction or used as collateral for a credit transaction and which\u003cbr\u003econcerns a creditor's interest in the purchased goods or pledged collateral either in\u003cbr\u003ewhole or in part.8.\u0026quot;Credit transaction\u0026quot; means any transaction by the terms of which the repayment of\u003cbr\u003emoney loaned or loan commitment made, or payment for goods, services, or\u003cbr\u003eproperties sold or leased, is to be made at a future date or dates.9.\u0026quot;Credit unemployment insurance\u0026quot; means insurance on a debtor to provide indemnity\u003cbr\u003efor payments or debt becoming due on a specific loan or other credit transaction\u003cbr\u003ewhile the debtor is involuntarily unemployed as defined in the policy.10.\u0026quot;Creditor\u0026quot; means the lender of money or vendor or lessor of goods, services, or\u003cbr\u003eproperty, rights, or privileges, for which payment is arranged through a credit\u003cbr\u003etransaction, or any successor to the right, title, or interest of the lender, vendor, or\u003cbr\u003elessor, and an affiliate, associate, or subsidiary of any of them or any director,\u003cbr\u003eofficer, or employee of any of them, or any other person in any way associated with\u003cbr\u003eany of them.11.\u0026quot;Creditor-placed insurance\u0026quot; means insurance that is purchased unilaterally by the\u003cbr\u003ecreditor, who is the named insured, subsequent to the date of the credit transaction,\u003cbr\u003eproviding coverage against loss, expense, or damage to the collateralized personal\u003cbr\u003eproperty as a result of fire, theft, collision, or other risks of loss that would either\u003cbr\u003eimpair a creditor's interest or adversely affect the value of collateral covered by dual\u003cbr\u003einterest insurance. It is purchased according to the terms of the credit agreement as\u003cbr\u003ea result of the debtor's failure to provide required physical damage insurance, with\u003cbr\u003ethe cost of the coverage being charged to the debtor. It is either single interest\u003cbr\u003einsurance or limited dual interest insurance.12.\u0026quot;Debtor\u0026quot; means a borrower of money or a purchaser or lessee of goods, services,\u003cbr\u003eproperty, rights, or privileges for which payment is arranged through a credit\u003cbr\u003etransaction.13.\u0026quot;Dual interest insurance\u0026quot; means credit property insurance covering the seller's or\u003cbr\u003ecreditor's interest and at least partially the borrower's interest in the goods\u003cbr\u003epurchased through the credit transaction or pledged as collateral for the credit\u003cbr\u003etransaction.14.\u0026quot;Finance charge\u0026quot; means any charge payable directly or indirectly as an incident to or\u003cbr\u003eas a condition of the extension of credit, including interest; time price differentials;\u003cbr\u003eamount payable under a discount system of additional charges; service, transaction,\u003cbr\u003eor carrying charges; loan fees; points or similar charges; appraisal fees; or charges\u003cbr\u003eincurred for investigating the creditworthiness of the consumer. The terms do not\u003cbr\u003einclude charges as a result of default, taxes, license fees, delinquency charges, or\u003cbr\u003efiling fees.15.\u0026quot;Gross debt\u0026quot; means the sum of the remaining payments owed to the creditor by the\u003cbr\u003edebtor.16.\u0026quot;Identifiable charge\u0026quot; means a charge for a type of consumer credit insurance that is\u003cbr\u003emade to debtors having such insurance and not made to debtors not having such\u003cbr\u003einsurance, and includes a charge for insurance that is disclosed in the credit or other\u003cbr\u003einstrument furnished to the debtor which sets out the financial elements of the credit\u003cbr\u003etransaction and any difference in the finance, interest, service, or other similar\u003cbr\u003echarge made to debtors who are in like circumstances except for the insured or\u003cbr\u003enoninsured status of the debtor or of the property used as security for the credit\u003cbr\u003etransaction.Page No. 217.\u0026quot;Net debt\u0026quot; means the amount necessary to liquidate the remaining debt in a single\u003cbr\u003elump sum payment, excluding all unearned interest and other unearned finance\u003cbr\u003echarges.18.\u0026quot;Open-end credit\u0026quot; means credit extended by a creditor under an agreement in\u003cbr\u003ewhich:a.The creditor reasonably contemplates repeated transactions;b.The creditor imposes a finance charge from time to time on an outstanding\u003cbr\u003eunpaid balance; andc.The amount of credit that may be extended to the debtor during the term of the\u003cbr\u003eagreement, up to any limit set by the creditor, is generally made available to the\u003cbr\u003eextent that any outstanding balance is repaid.26.1-37-03. Issuance of policies and certificates. All credit insurance subject to thischapter may be delivered or issued for delivery in this state only by an insurer authorized to do\u003cbr\u003ean insurance business therein and may be issued only through holders of licenses or\u003cbr\u003eauthorizations issued by the commissioner.26.1-37-04. Forms of credit life insurance and credit accident and health insurance.Repealed by S.L. 2001, ch. 278,"])</script><script>self.__next_f.push([1,"3c:[\"$\",\"article\",null,{\"className\":\"article-content\",\"children\":[[\"$\",\"header\",null,{\"className\":\"article-header\",\"children\":[[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/\",\"className\":\"article-category\",\"children\":[\"North Dakota\",\" Statutes\"]}],[\"$\",\"h1\",null,{\"className\":\"article-title\",\"children\":\"26.1-37 Credit Insurance\"}]]}],[\"$\",\"div\",null,{\"className\":\"article-body statute-content\",\"dangerouslySetInnerHTML\":{\"__html\":\"$3e\"}}],false]}]\n"])</script><script>self.__next_f.push([1,"3d:[\"$\",\"aside\",null,{\"className\":\"right-sidebar\",\"children\":[\"$\",\"div\",null,{\"className\":\"related-sidebar\",\"children\":[[\"$\",\"h3\",null,{\"children\":[[\"$\",\"span\",null,{\"className\":\"emoji\",\"children\":\"⚖️\"}],\" State 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