Tennessee Statutes

Title 45 - Banks And Financial Institutions

Chapter 1 - Department of Financial Institutions
- Part 1 - Department of Financial Institutions
- Part 2 - Banking Advisory Board [Repealed.]
- Part 3 - Bank Customer Dispute Resolution Act of 1981.
Chapter 2 - Banking Institutions
- Part 1 - General Provisions
- Part 2 - Organization of Banks
- Part 3 - Stockholders
- Part 4 - Directors and Officers
- Part 5 - Membership in Federal Reserve Banks
- Part 6 - General Powers of Banks
- Part 7 - Deposits in Banks
- Part 8 - Deposit Insurance
- Part 9 - Safe Deposit and Safekeeping
- Part 10 - Fiduciary Powers
- Part 11 - Loans
- Part 12 - Foreign Institutions Investing in Loans [Repealed.]
- Part 13 - Voluntary Corporate Changes
- Part 14 - Bank Holding CompaniesBank Structure Act of 1974
- Part 15 - Liquidation, Dissolution, and Reorganization
- Part 16 - Examination and Reports
- Part 17 - Prohibited Acts
- Part 18 - Investment and Security Powers
- Part 19 - Credit Card State Banks
- Part 20 - Private Trust Companies
Chapter 3 - Savings and Loan Associations
- Part 1 - General Provisions
- Part 2 - Organization
- Part 3 - Branch or Satellite Offices
- Part 4 - General Powers and Duties
- Part 5 - Accounts
- Part 6 - Investments
- Part 7 - Loans
- Part 8 - Regulations
- Part 9 - Taxation
- Part 10 - Fees
- Part 11 - Voluntary Corporate Changes
- Part 12 - Reorganization and Liquidation
- Part 13 - Prohibited Acts
- Part 14 - Reciprocal Savings Institution Act
- Part 15 - Mutual Savings and Loan Holding Company Act
Chapter 4 - Credit Unions
- Part 1 - Formation
- Part 2 - Organization and Operation
- Part 3 - Membership
- Part 4 - Shares
- Part 5 - Powers and Duties
- Part 6 - Loans
- Part 7 - Capital and Reserves
- Part 8 - Taxes and Fees
- Part 9 - Dissolution, Liquidation and Merger
- Part 10 - Supervision by State
- Part 11 - Share Insurance Corporation
- Part 12 - Volunteer Corporate Credit Union
- Parts 13-18 - [Reserved.]
- Part 19 - Miscellaneous Provisions
Chapter 5 - Industrial Loan and Thrift Companies
- Part 1 - General Provisions
- Part 2 - Registration of Companies
- Part 3 - Powers of Registered Companies
- Part 4 - Interest and Borrowers
- Part 5 - Supervision by Commissioner
- Part 6 - Industrial Banks and Industrial Investment Companies
Chapter 6 - Pawnbrokers
- Part 1 - General Provisions [Repealed.]
- Part 2 - Pawnbrokers Act of 1988
Chapter 7 - Money Transmission
- Part 1 - Money Orders [Repealed.]
- Part 2 - Money Transmitters
Chapter 8 - Small Business Investment Development
- Part 1 - Small Business Investment Companies
- Part 2 - Business and Industrial Development Corporations
Chapter 9 - International Banking
- 45-9-101 - Legislative intent.
- 45-9-102 - Certificate of authority by commissioner.
- 45-9-103 - Corporate charter.
- 45-9-104 - Applicability of other laws.
- 45-9-105 - Rules and regulations.
Chapter 10 - Financial Records Privacy Act
- 45-10-101 - Short title.
- 45-10-102 - Chapter definitions.
- 45-10-103 - Permissible acts.
- 45-10-104 - Requisites for disclosure Effect of disclosure.
- 45-10-105 - Authorization by customer.
- 45-10-106 - Service of subpoena on financial institution.
- 45-10-107 - Requisites of subpoena.
- 45-10-108 - Bond.
- 45-10-109 - Expenses to be taxed as costs.
- 45-10-110 - Compliance with subpoena duces tecum.
- 45-10-111 - Wrapping and delivery of copy of records.
- 45-10-112 - Opening of sealed envelope.
- 45-10-113 - Affidavit of custodian.
- 45-10-114 - Copy and affidavit as evidence.
- 45-10-115 - Personal attendance of custodian Form of subpoena.
- 45-10-116 - Substitution of copies for original records.
- 45-10-117 - Delaying of customer notice Required findings Filing by court Disclosure.
- 45-10-118 - Disclosure relative to child support enforcement.
Chapter 11 - Financial Institutions Conversion Act
- 45-11-101 - Short title.
- 45-11-102 - Chapter definitions.
- 45-11-103 - Scope.
- 45-11-104 - Conversion of charter.
- 45-11-105 - Conversion procedure.
- 45-11-106 - Approval by stockholders of converting financial institution.
- 45-11-107 - Effective date of conversion Certificate of conversion.
- 45-11-108 - Continuation of corporate entity.
- 45-11-109 - Fees, commissions or other forms of consideration prohibited.
- 45-11-110 - Powers of commissioner Rules and regulations.
Chapter 12 - Reciprocal Banking Act [Repealed.]
- 45-12-101 - 45-12-109. [Repealed.]
Chapter 13 - Tennessee Residential Lending, Brokerage and Servicing Act
- Part 1 - General Provisions
- Part 2 - Licensing of Mortgage Lenders, Mortgage Loan Brokers and Mortgage Loan Servicers
- Part 3 - Mortgage Loan Originators
- Part 4 - Prohibitions and Enforcement
- Part 5 - Nationwide Mortgage Licensing System and Registry
Chapter 14 - Chartering of Savings Banks
- 45-14-101 - Short title.
- 45-14-102 - Objective of chapter.
- 45-14-103 - Commissioner of financial institutions Authority Savings banks Authorized activities Applicable law Definitions Deposit insurance.
- 45-14-104 - Deposits Borrowing and securities Investments Issuance of credit cards Offices Trust business.
- 45-14-105 - Commissioner Survey of pertinent laws of other states Investments and activities Authorization of investments permissible for federal savings banks Competitive equality.
- 45-14-106 - Capital requirements.
- 45-14-107 - Loans to single borrower.
- 45-14-108 - Accounting requirements.
- 45-14-109 - Membership in federal home loan bank or federal reserve bank.
- 45-14-110 - Conversion to savings bank Compliance with requirements of chapter.
- 45-14-111 - Costs, fees and assessments.
- 45-14-112 - Revocation of charter Grounds.
- 45-14-113 - Commissioner Regulations.
- 45-14-114 - Void and null charters and certificates of authority.
Chapter 15 - Title Pledges
- 45-15-101 - Short title.
- 45-15-102 - Purpose.
- 45-15-103 - Chapter definitions.
- 45-15-104 - Authority of licensed title pledge lenders.
- 45-15-105 - License required Loans made without license void.
- 45-15-106 - Eligibility requirements for license Application Fees Issuance or denial of license Hearing on denial Renewal Change in control of lender.
- 45-15-107 - Suspension or revocation of license.
- 45-15-108 - Rules and regulations Compliance examinations Preservation of books and records Reproduction and preservation of records Report by commissioner on rates and terms of loans.
- 45-15-109 - Notification to commissioner of changes Events requiring report to commissioner Biennial reports.
- 45-15-110 - Record of transactions required Required information printed on agreement Execution of agreement Liens.
- 45-15-111 - Rate of interest and charges Consumer notification and disclosure form.
- 45-15-112 - Right to redeem.
- 45-15-113 - Thirty-day agreements Renewal of agreements Right to cancel Fees and requirements for renewals.
- 45-15-114 - Twenty-day holding period Procedure for redemption or failure to redeem Loss of agreement by pledgor.
- 45-15-115 - Prohibited actions by lender.
- 45-15-116 - Safekeeping of titled personal property or personal property certificates of title Insurance coverage Damaged property.
- 45-15-117 - Violations.
- 45-15-118 - Actions authorized by commissioner for violations Consent orders Penalties Enforcement Emergency action Investigation of complaints Censure, suspension, or bar.
- 45-15-119 - Supersession of ordinances or resolutions of municipal corporations.
- 45-15-120 - Applicability of motor vehicle provisions.
Chapter 16 - Automated Teller Machines
- 45-16-101 - Chapter definitions.
- 45-16-102 - Usage fees authorized.
- 45-16-103 - Usage fees on foreign access cards.
- 45-16-104 - Rules and regulations.
Chapter 17 - Deferred Presentment Services
- 45-17-101 - Short title.
- 45-17-102 - Chapter definitions.
- 45-17-103 - License requirement.
- 45-17-104 - Qualifications for license.
- 45-17-105 - Application for license.
- 45-17-106 - Filing fees Financial statements.
- 45-17-107 - Investigation Issuance of license Posting.
- 45-17-108 - Nontransferability Change in control of license.
- 45-17-109 - Reports to commissioner.
- 45-17-110 - Expiration of license.
- 45-17-111 - Regulations Examinations.
- 45-17-112 - Retention of records Operating costs Deferred presentment procedures.
- 45-17-113 - Denial of license Hearing.
- 45-17-114 - Suspension or revocation of licenses.
- 45-17-115 - Violations Cease and desist orders Penalties.
- 45-17-116 - Consent orders.
- 45-17-117 - Written complaint Investigation Subpoenas.
- 45-17-118 - Construction with other statutes.
- 45-17-119 - Annual reports.
Chapter 18 - Check Cashing Act
- 45-18-101 - Short title.
- 45-18-102 - Chapter definitions.
- 45-18-103 - Application.
- 45-18-104 - License requirement.
- 45-18-105 - Qualifications of licensee.
- 45-18-106 - Application for license.
- 45-18-107 - Application fee Financial statements.
- 45-18-108 - Issuance of license.
- 45-18-109 - License renewal.
- 45-18-110 - Licensee's change of address, name and/or ownership Revocation of license.
- 45-18-111 - Location of check cashing business.
- 45-18-112 - Filing of written report with commissioner Events impacting activities of licensee.
- 45-18-113 - Examination of licensee by commissioner.
- 45-18-114 - Required records.
- 45-18-115 - Suspension or revocation of license.
- 45-18-116 - Hearing.
- 45-18-117 - Civil penalties.
- 45-18-118 - Consent orders.
- 45-18-119 - Criminal penalties.
- 45-18-120 - Licensee's conduct Written complaints.
- 45-18-121 - Check cashing Practice and procedure.
Chapter 19 - Data Match System for Child Support Obligors
- 45-19-101 - Operating agreements for data match systems.
- 45-19-102 - Immunity for provision of financial information.
Chapter 20 - Tennessee Home Loan Protection Act
- 45-20-101 - Short title.
- 45-20-102 - Chapter definitions.
- 45-20-103 - Prohibited acts and practices.
- 45-20-104 - Cure of default Foreclosure.
- 45-20-105 - Purchaser or assignee of loan subject to all claims and defenses of the borrower Relief granted Due diligence.
- 45-20-106 - Actions prohibited to avoid application or provisions of chapter Open-end credit plan.
- 45-20-107 - Penalties Punitive damages Remedies Limitations Frivolous or harassment actions Notice of action.
- 45-20-108 - Compliance failure.
- 45-20-109 - Commissioner's powers Rules and regulations Examinations and investigations Injunctions.
- 45-20-110 - Restrictions on local regulation.
- 45-20-111 - Application.