Source: https://ncleg.gov/Laws/GeneralStatuteSections/Chapter25A
Timestamp: 2019-04-18 20:49:26+00:00

Document:
Chapter 25A - Retail Installment Sales Act.
§ 25A-1. Scope of act.
§ 25A-2. "Consumer credit sale" defined.
§ 25A-3. "Payable in installments" defined.
§ 25A-7. "Cash price" defined.
§ 25A-8. "Finance charge" defined.
§ 25A-9. "Amount financed" defined.
§ 25A-10. "Official fees" defined.
§ 25A-11. "Revolving charge account contract" defined.
§ 25A-12. "Consumer credit installment sale contract" defined.
§ 25A-13. "Consumer Credit Protection Act" defined.
§ 25A-14. Finance charge rates and service charge for revolving charge account contracts.
§ 25A-15. Finance charge rates for consumer credit installment sale contracts.
§ 25A-16. Transfer of equity.
§ 25A-17. Additional charges for insurance.
§ 25A-18. Confession of judgment.
§ 25A-20. Disclaimer of warranty.
§ 25A-22. Receipts for payments; return of title documents upon full payment.
§ 25A-23. Collateral taken by the seller.
§ 25A-24. Identification of instruments of indebtedness.
§ 25A-25. Preservation of consumers' claims and defenses.
§ 25A-26. Substitution of collateral.
§ 25A-27. Application of payments.
§ 25A-28. Form of consumer credit installment sale contract.
§ 25A-31. Consolidation and refinancing.
§ 25A-32. Rebates on prepayment.
§ 25A-32.1. Unearned finance charge credits on prepayment of loans secured by real property and mobile home loans.
§ 25A-33. Terms of payments.
§ 25A-35. Statement of account.
§ 25A-36. Certificates of insurance and rebates.
§ 25A-38. "Home-solicitation sale" defined.
§ 25A-39. Buyer's right to cancel.
§ 25A-40. Form of agreement or offer; statement of buyer's rights.
§ 25A-41. Restoration of down payment; retention of goods.
§ 25A-42. Duties as to care and return of goods; no compensation for services prior to cancellation.
§ 25A-44. Remedies and penalties.
§ 25A-45. Conflict with Consumer Credit Protection Act.

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