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General_Provisions_General_Article_§_25A-1._ Scope_of_act. | § 25A-1. Scope of act. This Chapter applies only to consumer credit sales as hereinafter defined, except that G.S. 25A-37, referral sales, applies to all sales of goods or services as provided therein. This Chapter does not apply to a bona fide direct loan transaction in which a lender makes a direct loan to a borrowe... | [
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General_Provisions_General_Article_§_25A-2._ "Consumer_credit_sale"_defined. | § 25A-2. "Consumer credit sale" defined. (a) Except as provided in subsection (c) of this section, a "consumer credit sale" is a sale of goods or services in which (1) The seller is one who in the ordinary course of business regularly extends or arranges for the extension of consumer credit, or offers to extend or arr... | [
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General_Provisions_General_Article_§_25A-3._ "Payable_in_installments"_defined. | § 25A-3. "Payable in installments" defined. A debt is "payable in installments" when the buyer is required or permitted by agreement to make payment in more than four installments, excluding a down payment, and whether or not a finance charge is imposed by the seller. (1971, c. 796, s. 1.) | [
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General_Provisions_General_Article_§_25A-4._ "Goods"_defined. | § 25A-4. "Goods" defined. (a) "Goods" means all things which are moveable at the time of the sale or at the time the buyer takes possession, including goods not in existence at the time the transaction is entered into and goods which are furnished or used at the time of sale or subsequently in modernization, rehabilit... | [
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General_Provisions_General_Article_§_25A-5._ "Services"_defined. | § 25A-5. "Services" defined. (a) "Services" includes: (1) Work, labor, and other personal services; and (2) Privileges with respect to transportation, hotel and restaurant accommodations, education, entertainment, recreation, physical culture, hospital accommodations, funerals and other similar services. (b) "Services... | [
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General_Provisions_General_Article_§_25A-6._ "Seller"_defined. | § 25A-6. "Seller" defined. "Seller" means one regularly engaged in the business of selling goods or services. Unless otherwise provided, "seller" also means and includes an assignee of the seller's right to payment but use of the term does not itself impose on an assignee any obligation of the seller with respect to e... | [
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General_Provisions_General_Article_§_25A-7._ "Cash_price"_defined. | § 25A-7. "Cash price" defined. "Cash price" of goods and services means the price at which the goods or services are offered for sale by the seller to cash buyers in the ordinary course of business and may include: (1) Applicable sales, use, and excise and documentary stamp taxes; and (2) The cash price of accessories... | [
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General_Provisions_General_Article_§_25A-8._ "Finance_charge"_defined. | § 25A-8. "Finance charge" defined. (a) "Finance charge" means the sum of all charges payable directly or indirectly by the buyer and imposed by the seller as an incident to the extension of credit, including any of the following types of charges which are applicable: (1) Interest, time price differential, service, car... | [
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General_Provisions_General_Article_§_25A-9._ "Amount_financed"_defined. | "§ 25A-9. \"Amount financed\" defined. (a)\t\"Amount financed\" means the total of the following (...TRUNCATED) | [0.035577546805143356,0.007420804817229509,-0.03354472666978836,0.010536951944231987,0.0284850876778(...TRUNCATED) | {"article_title":"General Article","section_title":"§ 25A-9. \"Amount financed\" defined.","subch(...TRUNCATED) |
General_Provisions_General_Article_§_25A-10._ "Official_fees"_defined. | "§ 25A-10. \"Official fees\" defined. \"Official fees\" means any of the following: (1)\tFees and(...TRUNCATED) | [0.015115668997168541,0.03793321177363396,0.0020087368320673704,0.040452200919389725,0.0114535121247(...TRUNCATED) | {"article_title":"General Article","section_title":"§ 25A-10. \"Official fees\" defined.","subcha(...TRUNCATED) |
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