reglab/housing_qa huggingface dataset:
14A OK Stat § 14A-4-203 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-4-203. Filing and approval of rates and forms.

|(1) A creditor may not use a form, or a schedule of premium rates or charges for consumer credit insurance, the filing of which is required by this section, if the Insurance Department has disapproved the form or schedule and has notified the insurer of its disapproval. A creditor may not use a form or schedule unless |(a)the form or schedule has been on file with the Insurance Department for thirty (30) days, or has earlier been approved by it; and(b)the insurer has complied with this section with respect to the insurance.(2) Except as provided in subsection (3), all policies, certificates of insurance, notices of proposed insurance, applications for insurance, endorsements and riders relating to consumer credit insurance delivered or issued for delivery in this State, and the schedules of premium rates or charges pertaining thereto, shall be filed by the insurer with the Insurance Department. It shall, within thirty (30) days after the filing of any form or schedule, disapprove it if the premium rates or charges are unreasonable in relation to the benefits provided under the form, or if the form contains provisions which are unjust, unfair, inequitable, or deceptive or encourage misrepresentation of the coverage or are contrary to any provision of the Oklahoma Insurance Code or of any rule or regulation promulgated thereunder.(3) If a group policy has been delivered in another state, the forms to be filed by the insurer with the Insurance Department are the group certificates and notices of proposed insurance. It shall approve them if(a)they provide the information that would be required if the group policy were delivered in this state; and(b)the applicable premium rates or charges do not exceed those established by its rules or regulations.Added by Laws 1969, c. 352, § 4-203, eff. July 1, 1969.
14A OK Stat § 14A-4-301 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-4-301. Property insurance.

|(1) A creditor may not contract for or receive a separate charge for insurance against loss of or damage to property unless: |(a)the insurance covers a substantial risk of loss of or damage to property related to the credit transaction;(b)the amount, terms, and conditions of the insurance are reasonable in relation to the character and value of the property insured or to be insured; and(c)the term of the insurance is reasonable in relation to the terms of credit.(2) The term of insurance is reasonable if it is customary and does not extend substantially beyond a scheduled maturity.Added by Laws 1969, c. 352, § 4-301, eff. July 1, 1969. Amended by Laws 1988, c. 8, § 1, emerg. eff. March 14, 1988.
14A OK Stat § 14A-4-302 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-4-302. Insurance on creditor's interest only.

|If a creditor contracts for or receives a separate charge for insurance against loss of or damage to property, the risk of loss or damage not willfully caused by the debtor is on the debtor only to the extent of any deficiency in the effective coverage of the insurance, even though the insurance covers only the interest of the creditor. |Laws 1969, c. 352, § 4-302.
14A OK Stat § 14A-4-303 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-4-303. Liability insurance.

|A creditor may not contract for or receive a separate charge for insurance against liability unless the insurance covers a substantial risk of liability arising out of the ownership or use of property related to the credit transaction. |Added by Laws 1969, c. 352, § 4-303, eff. July 1, 1969.
14A OK Stat § 14A-4-304 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-4-304. Cancellation by creditor.

|A creditor shall not request cancellation of a policy of property or liability insurance except after the debtor's default or in accordance with a written authorization by the debtor, and in either case the cancellation does not take effect until written notice is delivered to the debtor or mailed to him at his address as stated by him. The notice shall state that the policy may be cancelled in accordance with the terms and conditions of the policy. |Added by Laws 1969, c. 352, § 4-304, eff. July 1, 1969.
14A OK Stat § 14A-5-101 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-5-101. Short title.

|This article shall be known and may be cited as Uniform Consumer Credit Code - Remedies and Penalties. |Added by Laws 1969, c. 352, § 5-101, eff. July 1, 1969.
14A OK Stat § 14A-5-102 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-5-102. Scope.

|This part applies to actions or other proceedings to enforce rights arising from consumer credit sales, consumer leases and consumer loans; and, in addition, to extortionate extensions of credit (Section 5-107). |Added by Laws 1969, c. 352, § 5-102, eff. July 1, 1969.
14A OK Stat § 14A-5-103 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-5-103. Restrictions on deficiency judgments in consumer credit sales.

|(1) This section applies to a consumer credit sale of goods or services. |(2) If the seller repossesses or voluntarily accepts surrender of goods which were the subject of the sale and in which he has a security interest and the cash price of the goods repossessed or surrendered was One Thousand Dollars ($1,000.00) or less, the buyer is not personally liable to the seller for the unpaid balance of the debt arising from the sale of the goods, and the seller is not obligated to resell the collateral.(3) If the seller repossesses or voluntarily accepts surrender of goods which were not the subject of the sale but in which he has a security interest to secure a debt arising from a sale of goods or services or a combined sale of goods and services and the cash price of the sale was One Thousand Dollars ($1,000.00) or less, the buyer is not personally liable to the seller for the unpaid balance of the debt arising from the sale.(4) For the purpose of determining the unpaid balance of consolidated debts or debts pursuant to revolving charge accounts, the allocation of payments to a debt shall be determined in the same manner as provided for determining the amount of debt secured by various security interests (Section 2-409).(5) The buyer shall be liable in damages to the seller if the buyer has wrongfully damaged the collateral or if, after default and demand, the buyer has wrongfully failed to make the collateral available to the seller.(6) If the seller elects to bring an action against the buyer for a debt arising from a consumer credit sale of goods or services, when under this section he would not be entitled to a deficiency judgment if he repossessed the collateral, and obtains judgment(a)he may not repossess the collateral; and(b)the collateral is not subject to levy or sale on execution or similar proceedings pursuant to the judgment.(7) The amount of One Thousand Dollars ($1,000.00) in subsections (2) and (3) of this section is subject to adjustment pursuant to the provisions on adjustment of dollar amounts (Section 1-106).Added by Laws 1969, c. 352, § 5-103, eff. July 1, 1969. Amended by Laws 1979, c. 109, § 2, emerg. eff. April 25, 1979.
14A OK Stat § 14A-5-104 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-5-104. No garnishment before judgment.

|Prior to entry of judgment in an action against the debtor for debt arising from a consumer credit sale, a consumer lease, or a consumer loan, the creditor may not attach unpaid earnings of the debtor by garnishment or like proceedings. |Added by Laws 1969, c. 352, § 5-104, eff. July 1, 1969.
14A OK Stat § 14A-5-105 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-5-105. Limitation on garnishment.

|(1) For the purpose of this part |(a)"disposable earnings" means that part of the earnings of an individual remaining after the deduction from those earnings of amounts required by law to be withheld; and(b)"garnishment" means any legal or equitable procedure through which the earnings of an individual are required to be withheld for payment of a debt.(2) The maximum part of the aggregate disposable earnings of an individual for any workweek which is subjected to garnishment to enforce payment of a judgment arising from a consumer credit sale, consumer lease, or consumer loan may not exceed the lesser of(a)twenty-five percent (25%) of his disposable earnings for that week; or(b)the amount by which his disposable earnings for that week exceed thirty times the federal minimum hourly wage prescribed by Section 6(a) (1) of the Fair Labor Standards Act of 1938, U.S.C. Title 29, Section 206(a) (1), in effect at the time the earnings are payable.(c)in the case of earnings for a pay period other than a week, the Administrator shall by rule prescribe a multiple of the federal minimum hourly wage equivalent in effect to that set forth in paragraph (b).(3) No court may make, execute, or enforce an order or process in violation of this section.Added by Laws 1969, c. 352, § 5-105, eff. July 1, 1969.
14A OK Stat § 14A-5-106 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-5-106. No discharge from employment for garnishment.

|No employer shall discharge an employee for the reason that a creditor of the employee has subjected or attempted to subject unpaid earnings of the employee to garnishment or like proceedings directed to the employer for the purpose of paying a judgment arising from a consumer credit sale, consumer lease, or consumer loan, unless the employer shall be served with garnishment or like process issued to collect one or more judgments against the employee on more than two occasions within one year. |Added by Laws 1969, c. 352, § 5-106, eff. July 1, 1969.
14A OK Stat § 14A-5-107 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-5-107. Extortionate extensions of credit.

|(1) If it is the understanding of the creditor and the debtor at the time an extension of credit is made that delay in making repayment or failure to make repayment could result in the use of violence or other criminal means to cause harm to the person, reputation, or property of any person, the repayment of the extension of credit is unenforceable through civil judicial processes against the debtor. |(2) If it is shown that an extension of credit was made at an annual rate exceeding forty-five percent (45%) calculated according to the actuarial method and that the creditor then had a reputation for the use or threat of use of violence or other criminal means to cause harm to the person, reputation, or property of any person to collect extensions of credit or to punish the nonrepayment thereof, there is prima facie evidence that the extension of credit was unenforceable under subsection (1), unless such rate was otherwise lawful under any provision or provisions of this act.Added by Laws 1969, c. 352, § 5-107, eff. July 1, 1969.
14A OK Stat § 14A-5-108 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-5-108. Unconscionability.

|(1) With respect to a consumer credit sale, consumer lease, or consumer loan, if the court as a matter of law finds the agreement or any clause of the agreement to have been unconscionable at the time it was made the court may refuse to enforce the agreement, or it may enforce the remainder of the agreement without the unconscionable clause, or it may so limit the application of any unconscionable clause as to avoid any unconscionable result. |(2) If it is claimed or appears to the court that the agreement or any clause thereof may be unconscionable the parties shall be afforded a reasonable opportunity to present evidence as to its setting, purpose, and effect to aid the court in making the determination.(3) For the purposes of this section, a charge or practice expressly permitted by this act is not in itself unconscionable.Added by Laws 1969, c. 352, § 5-108, eff. July 1, 1969.
14A OK Stat § 14A-5-201 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-5-201. Consumer credit sales and consumer loans.

|For purposes of the provisions of this part on civil liability for violation of disclosure provisions (Section 5-203) and on debtor's right to rescind certain transactions (Section 5-204), consumer credit sale and consumer loan include the transactions covered in Sections 2-301 and 3-301. |Added by Laws 1969, c. 352, § 5-201, eff. July 1, 1969. Amended by Laws 1982, c. 335, § 51, operative Oct. 1, 1982.
14A OK Stat § 14A-5-205 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-5-205. Refunds and penalties as set-off to obligation.

|Refunds or penalties to which the debtor is entitled pursuant to this part may be set off against the debtor's obligation, and may be raised as a defense to a suit on the obligation without regard to the time limitations prescribed by this part. |Added by Laws 1969, c. 352, § 5-205, eff. July 1, 1969.
14A OK Stat § 14A-5-206 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-5-206. Closed-end consumer credit transaction secured by real property or dwelling consummated before September 30, 1995 - Nonliability of creditor.

|(1) For any closed-end consumer credit transaction that is secured by real property or a dwelling, that is subject to Title 14A of the Oklahoma Statutes, and that is consummated before September 30, 1995, a creditor or any assignee of a creditor shall have no civil, administrative, or criminal liability under Title 14A of the Oklahoma Statutes for, and a consumer shall have no extended rescission rights under subsection (1) of Section 5-204 of Title 14A of the Oklahoma Statutes with respect to: |(a)the creditor's treatment, for disclosure purpose, of:(i)taxes described in paragraph (a) of subsection (1) of Section 3-202 of Title 14A of the Oklahoma Statutes;(ii)fees described in paragraphs (d) and (e) of subsection (1) of Section 3-202 of Title 14A of the Oklahoma Statutes;(iii)fees and amounts referred to in the third sentence of paragraph (b) of subsection (1) of Section 3-109 of Title 14A of the Oklahoma Statutes; or(iv)borrower-paid mortgage broker fees referred to in subparagraph (vi) of paragraph (b) of subsection (1) of Section 3-109 of Title 14A of the Oklahoma Statutes;(b)the form of written notice used by the creditor to inform the obligor of the rights of the obligor under Section 5-204 of Title 14A of the Oklahoma Statutes if the creditor provided the obligor with a properly dated form of written notice published and adopted by the Administrator or a comparable written notice, and otherwise complied with all the requirements of this section regarding notice; or(c)any disclosure relating to the finance charge imposed with respect to the transaction if the amount or percentage actually disclosed:(i)may be treated as accurate for purposes of this title if the amount disclosed as the finance charge does not vary from the actual finance charge by more than Two Hundred Dollars ($200.00);(ii)may, under paragraph (b) of subsection (6) of Section 3-304 of Title 14A of the Oklahoma Statutes, be treated as accurate for purposes of Section 5-204 of Title 14A of the Oklahoma Statutes; or(iii)is greater than the amount or percentage required to be disclosed under Title 14A of the Oklahoma Statutes.(2) Subsection (1) of this section shall not apply to:(a)any individual action or counterclaim brought under Title 14A of the Oklahoma Statutes which was filed before June 1, 1995;(b)any class action brought under Title 14A of the Oklahoma Statutes for which a final order certifying a class was entered before January 1, 1995;(c)the named individual plaintiffs in any class action brought under Title 14A of the Oklahoma Statutes which was filed before June 1, 1995; or(d)any consumer credit transaction with respect to which a timely notice of rescission was sent to the creditor before June 1, 1995.Added by Laws 2000, c. 217, § 21, eff. July 1, 2000.
14A OK Stat § 14A-5-301 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-5-301. Willful violations.

|(1) A supervised lender who willfully makes charges in excess of those permitted by the provisions of the article on loans (Article 3) applying to supervised loans (Part 5) is guilty of a misdemeanor and upon conviction may be sentenced to pay a fine not exceeding Five Hundred Dollars ($500.00), or to imprisonment not exceeding one (1) year, or both. |(2) A person, other than a supervised financial organization, who willfully engages in the business of making supervised loans without a license in violation of the provisions of this act applying to authority to make supervised loans (Section 3-502) is guilty of a misdemeanor and upon conviction may be sentenced to pay a fine not exceeding Five Thousand Dollars ($5,000.00), or to imprisonment not exceeding one (1) year, or both.(3) A person who willfully engages in the business of making consumer credit sale, consumer leases, or consumer loans, or of taking assignments of rights against debtors arising therefrom and undertakes direct collection of payments or enforcement of these rights, without complying with the provisions of this act concerning notification (Section 6-202) or payment of fees (Section 6-203), is guilty of a misdemeanor and upon conviction may be sentenced to pay a fine not exceeding Five Hundred Dollars ($500.000).Added by Laws 1969, c. 352, § 5-301, eff. July 1, 1969.
14A OK Stat § 14A-5-302 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-5-302. Disclosure violations.

|A person is guilty of a misdemeanor and upon conviction may be sentenced to pay a fine not exceeding Five Thousand Dollars ($5,000.00), or to imprisonment not exceeding one (1) year, or both, if he willfully and knowingly |(1) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this act on disclosure and advertising (Part 3) of the article on credit sales (Article 2) or of the article on loans (Article 3), or of any related rule of the Administrator adopted pursuant to this act;(2) uses any rate table or chart, the use of which is authorized by rule of the Administrator adopted pursuant to the provisions on calculation of rate to be disclosed (Section 2-304 and Section 3-304), in a manner which consistently understates the annual percentage rate determined according to those provisions; or(3) otherwise fails to comply with any requirement of the provisions of this act on disclosure and advertising (Part 3) of the article on credit sales (Article 2) or of the article on loans (Article 3), or of any related rule of the Administrator adopted pursuant to this act.Added by Laws 1969, c. 352, § 5-302, eff. July 1, 1969.
14A OK Stat § 14A-6-101 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-6-101. Short title.

|This article shall be known and may be cited as Uniform Consumer Credit Code - Administration. |Added by Laws 1969, c. 352, § 6-101, eff. July 1, 1969.
14A OK Stat § 14A-6-102 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-6-102. Applicability.

|(1) This part applies to persons who in this state make or solicit consumer credit sales, consumer leases, and consumer loans; or who directly collect payments from or enforce rights against debtors arising from the sales, leases, or loans previously specified wherever they are made. |(2) In relation to the powers of the Administrator to administer the provisions on disclosure (Parts 3 of Articles 2 and 3) and the right of rescission (Section 5-204), a consumer credit sale and a consumer loan shall include the transactions covered in Sections 2-301 and 3-301 and those excluded by Section 1-202(5).Added by Laws 1969, c. 352, § 6-102, eff. July 1, 1969. Amended by Laws 1982, c. 335, § 54, operative June 1, 1982.
14A OK Stat § 14A-6-103 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-6-103. Administrator.

|"Administrator" means the Administrator of Consumer Credit. |Added by Laws 1969, c. 352, § 6-103, eff. July 1, 1969. Amended by Laws 2012, c. 172, § 7, eff. July 1, 2012.
14A OK Stat § 14A-6-106 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-6-106. Investigatory powers.

|(1) If the Administrator has probable cause to believe that a person has engaged in an act which is subject to action by the Administrator, he may make an investigation to determine whether the act has been committed, and, to the extent necessary for this purpose, may administer oaths or affirmations, and upon his own motion or upon request of any party may subpoena witnesses, compel their attendance, adduce evidence, and require the production of any matter which is relevant to the investigation, including the existence, description, nature, custody, condition, and location of any books, documents, or other tangible things and the identity and location of persons having knowledge of relevant facts, or any other matter reasonably calculated to lead to the discovery of admissible evidence. |(2) If the person's records are located outside this state, the person shall, at his option, either make them available to the Administrator at a convenient location within this state, or pay the reasonable and necessary expenses for the Administrator or his representative to examine them at the place where they are maintained. Payments for such necessary expenses shall be made to the Commission on Consumer Credit. Any such payments so received by the Department shall be deposited in the Consumer Credit Investigation Fund. The Administrator may designate representatives, including comparable officials of the state in which the records are located, to inspect them on his behalf.(3) Upon failure without lawful excuse to obey a subpoena or to give testimony and upon reasonable notice to all persons affected thereby the Administrator may apply to a court for an order compelling compliance, as provided by the general act of this state governing administrative procedures (Title 75, Oklahoma Statutes, Chapters 7 and 8).(4) The Administrator shall not make public the name or identity of a person whose acts or conduct he investigates pursuant to this section or the facts disclosed in the investigation, but this subsection does not apply to disclosures in actions or enforcement proceedings pursuant to this act.Added by Laws 1969, c. 352, § 6-106, eff. July 1, 1969. Amended by Laws 1987, c. 208, § 43, operative July 1, 1987; Laws 1987, c. 236, § 69, emerg. eff. July 20, 1987.
14A OK Stat § 14A-6-107 (2021)
2021 Oklahoma Statutes|Title 14A. Consumer Credit Code|§14A-6-107. Application of Administrative Procedure Act.

|Except as otherwise provided, the State Administrative Procedure Act (Title 75, Oklahoma Statutes, Chapters 7 and 8) applies to and governs all administrative action taken by the Administrator pursuant to this article or the part on regulated and supervised Loans (Part 5) of the article on loans (Article 3). |Added by Laws 1969, c. 352, § 6-107, eff. July 1, 1969.