reglab/statecodes huggingface dataset:
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 4 - NEW MOTOR VEHICLE QUALITY ASSURANCE ACT (§§ 4-90-401 — 4-90-417) › Section 4-90-405 - Required warranty repairs

If a motor vehicle does not conform to the warranty and the consumer reports the nonconformity to the manufacturer, its agent, or authorized dealer during the motor vehicle quality assurance period, the manufacturer, its agent, or authorized dealer shall make repairs as are necessary to correct the nonconformity, even if the repairs are made after the expiration of the term of protection.
Acts 1993, No. 285, § 4; 1993, No. 297, § 4; 2001, No. 1134, § 4.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 4 - NEW MOTOR VEHICLE QUALITY ASSURANCE ACT (§§ 4-90-401 — 4-90-417) › Section 4-90-407 - Refunds

(a)
(1)
Refunds shall be made to the consumer and lienholder of record, if any, as their interests may appear.
(2)
If applicable, refunds shall be made to the lessor and lessee as follows:
(A)
The lessee shall receive the lessee cost less a reasonable offset for use; and
(B)
The lessor shall receive the lease price less the aggregate deposit and rental payments previously paid to the lessor for the leased vehicle.
(b)
If the manufacturer makes a refund to the lessor or lessee pursuant to this subchapter, the consumer's lease agreement with the lessor shall be terminated upon payment of the refund and no penalty for early termination shall be assessed.
(c)
If a replaced vehicle was financed by the manufacturer, its subsidiary, or agent, the manufacturer, subsidiary, or agent may not require the buyer to enter into any refinancing agreement concerning a replacement vehicle that would create any financial obligations upon the buyer beyond those of the original financing agreement.
Acts 1993, No. 285, § 7; 1993, No. 297, § 7.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 4 - NEW MOTOR VEHICLE QUALITY ASSURANCE ACT (§§ 4-90-401 — 4-90-417) › Section 4-90-408 - Reimbursement of towing and rental costs

Whenever a vehicle is replaced or refunded under this subchapter, the manufacturer shall reimburse the consumer for necessary towing and rental costs actually incurred as a direct result of the nonconformity.
Acts 1993, No. 285, § 10; 1993, No. 297, § 10.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 4 - NEW MOTOR VEHICLE QUALITY ASSURANCE ACT (§§ 4-90-401 — 4-90-417) › Section 4-90-409 - Option to retain use of vehicle

A consumer has the option of retaining the use of any vehicle returned under this subchapter until the time that the consumer has been tendered a full refund or a replacement vehicle of comparable value.
Acts 1993, No. 285, § 11; 1993, No. 297, § 11.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 4 - NEW MOTOR VEHICLE QUALITY ASSURANCE ACT (§§ 4-90-401 — 4-90-417) › Section 4-90-410 - Presumption of reasonable attempts to repair - Extension of time to repair in case of war, invasion, strike, fire, flood, or natural disaster

(a)
A rebuttable presumption of a reasonable number of attempts to repair is considered to have been undertaken to correct a nonconformity if:
(1)
The nonconformity has been subject to repair as provided in §
4-90-406(a)
, but the nonconformity continues to exist;
(2)
The vehicle is out of service by reason of repair, or attempt to repair, any nonconformity for a cumulative total of thirty (30) calendar days; or
(3)
There have been five (5) or more attempts on separate occasions to repair any nonconformities that together substantially impair the use and value of the motor vehicle to the consumer.
(b)
(1)
The thirty (30) calendar days in subdivision (a)(2) of this section shall be extended by any period of time during which repair services are not available as a direct result of war, invasion, strike, fire, flood, or natural disaster.
(2)
The manufacturer, its agent, or authorized dealer shall provide or make provisions for the free use of a vehicle to any consumer whose vehicle is out of service beyond thirty (30) days by reason of delayed repair as a direct result of war, invasion, strike, fire, flood, or natural disaster.
(c)
The burden is on the manufacturer to show that the reason for an extension under subsection (b) of this section was the direct cause for the failure of the manufacturer, its agent, or authorized dealer to cure any nonconformity during the time of the event.
Acts 1993, No. 285, § 12; 1993, No. 297, § 12.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 4 - NEW MOTOR VEHICLE QUALITY ASSURANCE ACT (§§ 4-90-401 — 4-90-417) › Section 4-90-411 - Diagnosis or repair - Documentation

(a)
A manufacturer, its agent, or authorized dealer may not refuse to diagnose or repair any vehicle for the purpose of avoiding liability under this subchapter.
(b)
(1)
(A)
A manufacturer, its agent, or authorized dealer shall provide a consumer with a written repair order each time the consumer's vehicle is brought in for examination or repair.
(B)
The written repair order shall include a reference to each defect, nonconformity, or other complaint brought to the attention of the manufacturer, its agent, or authorized dealer by the consumer, and each presentation of the vehicle by the consumer for a reasonable opportunity to repair shall be a repair attempt for those defects, nonconformities, or other complaints noted in the written repair order.
(C)
(i)
However, in the case of a motor vehicle that is a motor home where two (2) or more manufacturers contributed to the construction of the motor home, it shall not count as a repair attempt if the repair facility at which the consumer presented the vehicle is not authorized by the manufacturer to provide warranty service on that vehicle.
(ii)
In addition, it shall count as only one (1) repair attempt for a motor vehicle that is a motor home if the same nonconformity is being addressed a second time due to the consumer's decision to continue traveling and to seek the repair of that same nonconformity at another repair facility, rather than wait for the repair to be completed at the initial repair facility.
(2)
The repair order must indicate all work performed on the vehicle, including examination of the vehicle, parts, and labor.
Acts 1993, No. 285, § 13; 1993, No. 297, § 13; 2001, No. 1134, § 5.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 4 - NEW MOTOR VEHICLE QUALITY ASSURANCE ACT (§§ 4-90-401 — 4-90-417) › Section 4-90-412 - Resale of returned nonconforming vehicle

(a)
If a motor vehicle has been replaced or repurchased by a manufacturer as the result of a court judgment, an arbitration award, or any voluntary agreement entered into between a manufacturer or a manufacturer through its authorized dealer and a consumer that occurs after a consumer has notified the manufacturer of the consumer's desire to utilize the informal dispute settlement proceeding pursuant to this subchapter or a similar law of another state, the motor vehicle may not be resold in Arkansas unless:
(1)
The manufacturer provides the same express warranty the manufacturer provided to the original purchaser, except that the term of the warranty need only last for twelve thousand (12,000) miles or twelve (12) months after the date of resale, whichever occurs first; and
(2)
The manufacturer provides a written disclosure, signed by the consumer, indicating that the vehicle was returned to the manufacturer because of a nonconformity not cured within a reasonable time as provided by Arkansas law.
(b)
The written disclosure required by this section applies to the first resale to a retail customer of the vehicle in Arkansas by the manufacturer or its authorized dealer.
Acts 1993, No. 285, § 14; 1993, No. 297, § 14; 2001, No. 1134, § 6.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 4 - NEW MOTOR VEHICLE QUALITY ASSURANCE ACT (§§ 4-90-401 — 4-90-417) › Section 4-90-413 - Affirmative defenses

It is an affirmative defense to any claim under this subchapter that:
(1)
The nonconformity, defect, or condition does not substantially impair the use, value, or safety of the motor vehicle;
(2)
The nonconformity, defect, or condition is the result of an accident, abuse, neglect, or unauthorized modification or alteration of the motor vehicle by persons other than the manufacturer, its agent, or authorized dealer;
(3)
The claim by the consumer was not filed in good faith; or
(4)
Any other defense allowed by law that may be raised against the claim.
Acts 1993, No. 285, § 15; 1993, No. 297, § 15.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 4 - NEW MOTOR VEHICLE QUALITY ASSURANCE ACT (§§ 4-90-401 — 4-90-417) › Section 4-90-415 - Enforcement - Exclusivity - Costs and expenses

(a)
A consumer may bring a civil action to enforce this subchapter in a court of competent jurisdiction.
(b)
This subchapter does not limit the rights and remedies that are otherwise available to a consumer under any applicable provisions of law.
(c)
A consumer who prevails in any legal proceeding under this subchapter is entitled to recover as part of the judgment a sum equal to the aggregate amount of costs and expenses, including attorney's fees based upon actual time expended by the attorney, determined by the court to have been reasonably incurred by the consumer for or in connection with the commencement and prosecution of the action.
Acts 1993, No. 285, §§ 17-19; 1993, No. 297, §§ 17-19.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 4 - NEW MOTOR VEHICLE QUALITY ASSURANCE ACT (§§ 4-90-401 — 4-90-417) › Section 4-90-416 - Time limitation for commencement of action

(a)
An action brought under this subchapter must be commenced within two (2) years following the date the buyer first reports the nonconformity to the manufacturer, its agent, or authorized dealer.
(b)
When the buyer has commenced an informal dispute settlement procedure described in §
4-90-414
, the two-year period specified in subsection (a) of this section begins to run at the time the informal dispute settlement procedure is being commenced.
Acts 1993, No. 285, § 20; 1993, No. 297, § 20.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 4 - NEW MOTOR VEHICLE QUALITY ASSURANCE ACT (§§ 4-90-401 — 4-90-417) › Section 4-90-417 - Deceptive trade practices

A violation of any of the provisions of this subchapter shall be deemed a deceptive trade practice under §
4-88-101
et seq.
Acts 1993, No. 285, § 21; 1993, No. 297, § 21.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 5 - MOTOR VEHICLE SERVICE CONTRACT ACT (§§ 4-90-501 — 4-90-512) › Section 4-90-501 - Title

This subchapter is known and may be cited as the "Motor Vehicle Service Contract Act".
Acts 1993, No. 805, § 1.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 5 - MOTOR VEHICLE SERVICE CONTRACT ACT (§§ 4-90-501 — 4-90-512) › Section 4-90-503 - Applicability

This subchapter shall apply to motor vehicle service contracts sold on or after May 1, 1993.
Acts 1993, No. 805, § 17.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 5 - MOTOR VEHICLE SERVICE CONTRACT ACT (§§ 4-90-501 — 4-90-512) › Section 4-90-504 - Exemptions - Affiliates

(a)
Except as provided in this subchapter, a motor vehicle service contract provider and warrantor are governed by this subchapter and are exempt from the Arkansas Insurance Code.
(b)
(1)
This subchapter shall not prohibit or affect the giving, free of charge, of the usual warranties or performance guarantees by manufacturers, distributors, or dealers in connection with the sale of new motor vehicles.
(2)
This subchapter shall not apply to a motor vehicle service contract or a theft protection program warranty issued by a motor vehicle manufacturer, distributor, importer, or dealer of motor vehicles, nor shall the requirements of this subchapter apply to any nonrenewable motor vehicle service contract or theft protection program warranty issued for a period of less than six (6) months, if the issuer of the motor vehicle service contract or theft protection program warranty is the entity that sold the motor vehicle to which the motor vehicle service contract or theft protection program warranty applies or is an affiliate of the entity.
Amended by Act 2017, No. 364,§ 2, eff. 8/1/2017.
Acts 1993, No. 805, § 3.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 5 - MOTOR VEHICLE SERVICE CONTRACT ACT (§§ 4-90-501 — 4-90-512) › Section 4-90-505 - Mandatory insurance

(a)
A motor vehicle service contract or theft protection program warranty shall not be issued, sold, or offered for sale in this state unless a motor vehicle service contract provider or warrantor is insured under a reimbursement insurance policy issued by an insurer authorized to do business in this state, and providing that the insurer will pay on behalf of the motor vehicle service contract provider or warrantor all sums that the motor vehicle service contract provider or warrantor is legally obligated to pay and will guarantee the performance of the motor vehicle service contract provider's or warrantor's obligations undertaken according to the motor vehicle service contract provider's or warrantor's contractual obligations under the service contracts issued or sold by the motor vehicle service contract provider or theft protection program warranties issued by the warrantor.
(b)
A policy of insurance shall not be cancelled, terminated, or nonrenewed by the insurer unless a sixty-day written notice has been given to the motor vehicle service contract provider or warrantor before the date of the cancellation, termination, or nonrenewal.
(c)
A cancellation, termination, or nonrenewal shall not affect the liability of an insurer to guarantee the performance of a motor vehicle service contract provider or warrantor under the motor vehicle service contracts or theft protection program warranties issued or sold before the effective date of cancellation or termination or nonrenewal.
(d)
The insured motor vehicle service contract or theft protection program warranty shall conspicuously state:
(1)
That the obligations of a motor vehicle service contract provider to the service contract holder or the obligations of a warrantor to the warranty holder are guaranteed under a reimbursement insurance policy;
(2)
The name, address, and telephone number of the issuer of a motor vehicle service contract provider's or warrantor's reimbursement insurance policy; and
(3)
The procedure for filing a claim under a motor vehicle service contract or theft protection program warranty directly with a reimbursement insurer.
(e)
A reimbursement insurer shall establish and maintain unearned premium reserves and claims reserves for any gross policy obligations under a reimbursement insurance policy, net of reinsurance ceded, that the insurer is entitled to as full reserve credit on its financial statements under this subchapter.
Amended by Act 2017, No. 364,§ 3, eff. 8/1/2017.
Acts 1993, No. 805, § 4.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 5 - MOTOR VEHICLE SERVICE CONTRACT ACT (§§ 4-90-501 — 4-90-512) › Section 4-90-506 - Required service contract and warranty disclosures

A motor vehicle service contract or theft protection program warranty issued or sold for delivery in this state shall contain the following disclosures, as applicable, in a conspicuous and readable manner:
(1)
The name and address of the:
(A)
Motor vehicle service contract provider and the service contract holder; or
(B)
Warrantor and the warranty holder;
(2)
The total retail price of the motor vehicle service contract or theft protection program;
(3)
The procedure for making a claim under the motor vehicle service contract or theft protection program warranty, including the name, address, and telephone number of any person from whom approval is required before covered repairs may be commenced;
(4)
The existence and amount of a deductible, if any;
(5)
For motor vehicle service contracts, the motor vehicle parts and components covered under the motor vehicle service contract, and any limitations, exceptions, or exclusions;
(6)
The terms, conditions, and restrictions governing transferability of the motor vehicle service contract or theft protection program warranty, if any;
(7)
For motor vehicle service contracts, the provisions governing termination and refunds under §
4-90-507
; and
(8)
A statement that purchase of the motor vehicle service contract or theft protection program is not required in order to purchase or obtain financing for a motor vehicle.
Amended by Act 2017, No. 364,§ 4, eff. 8/1/2017.
Acts 1993, No. 805, § 5.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 5 - MOTOR VEHICLE SERVICE CONTRACT ACT (§§ 4-90-501 — 4-90-512) › Section 4-90-507 - Termination and refunds

No motor vehicle service contract may be issued, sold, or offered for sale or delivery in this state unless the service contract conspicuously states that the holder is allowed to cancel the service contract:
(1)
Within thirty (30) days of its purchase, if no claim has been made, and receive a full refund of the service contract retail price, less any cancellation fee stated in the service contract not exceeding fifty dollars ($50.00); or
(2)
At any other time, and receive a pro rata refund of the service contract retail price for the unexpired term of the service contract based on the number of elapsed months or miles, less any cancellation fee stated in the service contract not exceeding fifty dollars ($50.00).
Acts 1993, No. 805, § 6.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 5 - MOTOR VEHICLE SERVICE CONTRACT ACT (§§ 4-90-501 — 4-90-512) › Section 4-90-508 - [Repealed]

Repealed by Act 2017, No. 364,§ 5, eff. 8/1/2017.
Acts 1993, No. 805, § 7.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 5 - MOTOR VEHICLE SERVICE CONTRACT ACT (§§ 4-90-501 — 4-90-512) › Section 4-90-509 - Rulemaking power

(a)
The Insurance Commissioner may adopt such administrative rules as are necessary to implement the provisions of this subchapter.
(b)
The commissioner may promulgate rules providing for the filing with the commissioner of motor vehicle service contract forms by motor vehicle service contract providers and warrantors under §
4-90-504
if rules do not require the approval of the forms by the commissioner before their initial use.
Amended by Act 2017, No. 364,§ 6, eff. 8/1/2017.
Acts 1993, No. 805, §§ 8, 12.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 5 - MOTOR VEHICLE SERVICE CONTRACT ACT (§§ 4-90-501 — 4-90-512) › Section 4-90-510 - Investigations and enforcement

(a)
The Insurance Commissioner is authorized to conduct such investigations of the motor vehicle service contract and theft protection program business of any motor vehicle service contract provider or warrantor and of any person assisting the motor vehicle service contract provider or warrantor in the conduct of such business as the commissioner may deem necessary.
(b)
The commissioner shall have and may exercise all of the powers conferred by §
23-61-103
, §§
23-61-108
-
23-61-110
, §
23-61-201(a)(1)
, §§
23-61-203
-
23-61-206
, and §
23-61-301
et seq. in the conduct of such investigations and in the enforcement of this subchapter and any rules promulgated by the commissioner.
Amended by Act 2019, No. 315,§ 137, eff. 7/24/2019.
Amended by Act 2017, No. 364,§ 7, eff. 8/1/2017.
Acts 1993, No. 805, § 9.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 5 - MOTOR VEHICLE SERVICE CONTRACT ACT (§§ 4-90-501 — 4-90-512) › Section 4-90-511 - Unfair trade practices

Motor vehicle service contract providers and warrantors are subject to the Trade Practices Act, §
23-66-201
et seq., to the extent the Trade Practices Act, §
23-66-201
et seq., may be appropriately applied to motor vehicle service contract providers and warrantors given the nature of such contracts.
Amended by Act 2017, No. 364,§ 8, eff. 8/1/2017.
Acts 1993, No. 805, § 10.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 5 - MOTOR VEHICLE SERVICE CONTRACT ACT (§§ 4-90-501 — 4-90-512) › Section 4-90-512 - Form of service contracts and warranties

A motor vehicle service contract or theft protection program warranty shall not be issued that:
(1)
Is a violation of or does not comply with this subchapter, any specifically applicable provision of the Arkansas Insurance Code, or any applicable rule of the State Insurance Department;
(2)
Contains, or incorporates by reference when such incorporation is otherwise permissible, any inconsistent, ambiguous, illusory, or misleading clauses, or exceptions and conditions that deceptively affect the risk purported to be assumed in the general coverage of the motor vehicle service contract;
(3)
Has any title, heading, or other indication of its provisions that is misleading;
(4)
Is printed or otherwise reproduced in such manner as to render any material provision of the form substantially illegible;
(5)
Contains any provision that is unconscionable or encourages misrepresentation;
(6)
Contains any provision that makes it difficult to determine the actual motor vehicle service contract provider or warrantor issuing the form; or
(7)
Contains any provision for reducing claim payments due to depreciation of parts.
Amended by Act 2017, No. 364,§ 9, eff. 8/1/2017.
Acts 1993, No. 805, § 11.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 7 - DEBT CANCELLATION AGREEMENTS (§§ 4-90-701 — 4-90-705) › Section 4-90-701 - Definition

As used in this subchapter, "debt cancellation agreement" means a loan term or contractual arrangement modifying a loan term dealing with motor vehicles under which a lender agrees to cancel all or part of a borrower's obligation to repay an extension of credit from the lender upon the occurrence of a specified event other than the death or disability of the borrower, whether or not separate from or a part of other loan documents. Provided, however, for purposes of this subchapter only, the term "debt cancellation agreement" shall not include that form of debt cancellation agreement which constitutes a guaranteed automobile protection waiver agreement or "GAP" waiver agreement. A guaranteed automobile protection waiver agreement or "GAP" waiver agreement means a loan term or a contractual arrangement modifying a loan term dealing with motor vehicles under which a lender agrees to waive, cancel, pay, or satisfy any remaining balance owed on a loan after a total loss or theft of the vehicle.
Acts 2007, No. 496, § 22.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 7 - DEBT CANCELLATION AGREEMENTS (§§ 4-90-701 — 4-90-705) › Section 4-90-702 - Requiring borrower to purchase debt cancellation agreement prohibited

A lender shall not require a borrower to purchase a debt cancellation agreement.
Acts 2007, No. 496, § 22.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 7 - DEBT CANCELLATION AGREEMENTS (§§ 4-90-701 — 4-90-705) › Section 4-90-703 - Debt cancellation agreements to be legible - Disclosure requirements

All terms of a debt cancellation agreement shall be printed or reproduced to render all material provisions of the agreement legible and shall clearly and conspicuously disclose the following information:
(1)
If the debt cancellation agreement is provided by or administered by a third party, the debt cancellation agreement shall disclose that fact and provide the name, address, and telephone number of the third party and describe the procedure to follow for filing a claim with that third party under the debt cancellation agreement;
(2)
The total retail price of the debt cancellation agreement;
(3)
Any limitation or restriction on the cancellation of the entire debt due upon the occurrence of the specified event;
(4)
That the purchaser is allowed to cancel the debt cancellation agreement at any time and receive a refund paid directly to the purchaser minus any cancellation fee not to exceed twenty-five dollars ($25.00) as follows:
(A)
If the debt cancellation agreement is cancelled within thirty (30) days of purchase, a purchaser shall receive a full refund of the retail price; or
(B)
If the debt cancellation agreement is cancelled at a later time, the purchaser shall receive a pro rata refund of the retail price for the unexpired term based upon the number of elapsed months at the time of the cancellation compared to the total length of the financing agreement; and
(5)
That the terms of the debt cancellation agreement financed by the lender are binding on the lender.
Acts 2007, No. 496, § 22.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 7 - DEBT CANCELLATION AGREEMENTS (§§ 4-90-701 — 4-90-705) › Section 4-90-704 - Debt cancellation agreements - Restrictions

No debt cancellation agreement shall be issued that:
(1)
Is in any respect in violation of or does not comply with this subchapter;
(2)
Contains or incorporates by reference if incorporation by reference is otherwise permissible any inconsistent, ambiguous, illusory, or misleading clauses or exceptions and conditions that deceptively affect the material terms of the debt cancellation agreement;
(3)
Has a title, heading, or other indication of its provisions that is misleading; or
(4)
Is sold after any representation, oral or written, that is misleading or deceptive with respect to any material term of the contract or any provision of this subchapter.
Acts 2007, No. 496, § 22.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 7 - DEBT CANCELLATION AGREEMENTS (§§ 4-90-701 — 4-90-705) › Section 4-90-705 - Application of Section 4-88-101 et seq. to debt cancellation agreements and sellers of debt cancellation agreements

(a)
Debt cancellation agreements and sellers of debt cancellation agreements are subject to the provisions of §
4-88-101
et seq., and any violation of any of the provisions of this subchapter constitutes an unconscionable or deceptive act or practice under §
4-88-101
et seq.
(b)
All remedies, penalties, and authority granted to the Attorney General under §
4-88-101
et seq. are available to the Attorney General for the enforcement of this subchapter.
Acts 2007, No. 496, § 22.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 8 - GUARANTEED ASSET PROTECTION WAIVERS (§§ 4-90-801 — 4-90-808) › Section 4-90-801 - Legislative intent - Purpose - Scope

(a)
The General Assembly finds that guaranteed asset protection waivers are not insurance.
(b)
It is the intent of the General Assembly that all guaranteed asset protection waivers issued in this state, before or after the enactment of this subchapter, are not to be considered insurance.
(c)
The purpose of this subchapter is to provide a framework within which guaranteed asset protection waivers are defined and may be offered within this state.
(d)
This subchapter does not apply to:
(1)
An insurance policy offered by an insurer under the Arkansas Insurance Code and insurance laws of this state; or
(2)
A debt cancellation or debt suspension contract being offered in compliance with 12 C.F.R. Part 37 or 12 C.F.R. Part 721 or other applicable federal laws.
(e)
(1)
Guaranteed asset protection waivers governed under this subchapter are not insurance and are exempt from the insurance laws of this state.
(2)
Persons marketing, selling, or offering to sell guaranteed asset protection waivers to borrowers that comply with this subchapter are exempt from this state's insurance licensing requirements.
Added by Act 2019, No. 787,§ 1, eff. 7/24/2019.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 8 - GUARANTEED ASSET PROTECTION WAIVERS (§§ 4-90-801 — 4-90-808) › Section 4-90-802 - Definitions

As used in this subchapter:
(1)
"Administrator" means a person, other than an insurer or creditor, that performs administrative or operational functions under a guaranteed asset protection waiver program;
(2)
"Borrower" means a debtor, retail buyer, or lessee under a finance agreement;
(3)
"Creditor" means:
(A)
A lender in a loan or credit transaction;
(B)
A lessor in a lease transaction;
(C)
Any retail seller in a retail installment transaction;
(D)
A seller in a commercial retail installment transaction; or
(E)
An assignee of any of the above to whom a credit obligation is payable;
(4)
"Finance agreement" means a loan, lease, or retail installment sales contract for the purchase or lease of a motor vehicle;
(5)
"Free look period" means the period of time, not less than thirty (30) days, from the effective date of the guaranteed asset protection waiver until the date the borrower may cancel the contract without imposition of a penalty, fee, or cost to the borrower;
(6)
"Guaranteed asset protection waiver" means a contractual agreement wherein a creditor, for a separate charge, agrees to cancel or waive all or part of the amount due on a borrower's finance agreement with the creditor in the case of a total physical damage loss or unrecovered theft of the motor vehicle, and the contractual agreement is part of or a separate addendum to the borrower's finance agreement;
(7)
"Insurer" means an insurance company that is licensed, registered, or otherwise authorized to do business under the insurance laws of this state;
(8)
"Motor vehicle" means a self-propelled or towed vehicle designed for personal or commercial use, including without limitation:
(A)
An automobile;
(B)
A truck;
(C)
A motorcycle;
(D)
A recreational vehicle;
(E)
An all-terrain vehicle;
(F)
A snowmobile;
(G)
A camper;
(H)
A boat;
(I)
A personal watercraft;
(J)
A motorcycle trailer;
(K)
A boat trailer;
(L)
A camper trailer; and
(M)
A personal watercraft trailer;
(9)
"Person" means an individual, company, association, organization, partnership, business trust, corporation, or any other form of legal entity;
(10)
"Retail buyer" means a person who buys or agrees to buy a motor vehicle; and
(11)
"Retail seller" means a motor vehicle dealer that sells, or offers to sell, a motor vehicle.
Added by Act 2019, No. 787,§ 1, eff. 7/24/2019.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 8 - GUARANTEED ASSET PROTECTION WAIVERS (§§ 4-90-801 — 4-90-808) › Section 4-90-803 - Requirements for offering guaranteed asset protection waivers

(a)
A guaranteed asset protection waiver may be offered, sold, or provided to a borrower in this state under this subchapter.
(b)
At the option of the creditor that offers the guaranteed asset protection waiver, a guaranteed asset protection waiver may:
(1)
Be sold for a single payment; or
(2)
Be offered with a monthly or periodic payment option.
(c)
Notwithstanding any other provision of law, any cost to the borrower for a guaranteed asset protection waiver entered into in compliance with the Truth in Lending Act,
15 U.S.C. § 1601
et seq., and its implementing federal regulations, as it existed on January 1, 2019, shall be separately itemized in the finance agreement and is not to be considered a finance charge or interest.
(d)
(1)
A retail seller shall insure its guaranteed asset protection waiver obligations under a contractual liability or other insurance policy issued by an insurer.
(2)
A creditor, other than a retail seller, may insure its guaranteed asset protection waiver obligations under a contractual liability policy or other policy issued by an insurer.
(3)
(A)
The insurance policy may be directly obtained by a creditor, retail seller, or procured by an administrator to cover a creditor's or retail seller's obligations under the guaranteed asset protection waiver.
(B)
A retail seller that is a lessor of motor vehicles and does not assign its finance agreements is not required to insure its obligations related to guaranteed asset protection waivers on its sold or leased vehicles.
(e)
The guaranteed asset protection waiver remains a part of the finance agreement upon an assignment, sale, or transfer of the finance agreement by the creditor.
(f)
Neither the extension of credit, the term of credit, nor the term of the related motor vehicle sale or lease may be conditioned on the purchase of a guaranteed asset protection waiver.
(g)
A creditor that offers a guaranteed asset protection waiver shall report the sale of, and forward funds received on, all waivers to the designated party, if any, as prescribed in any applicable administration services agreement, contractual liability policy, other insurance policy, or other specified program documents.
(h)
Moneys received or held by a creditor or administrator and belonging to an insurer, creditor, or administrator, under the terms of a written agreement, shall be held by the creditor or administrator in a fiduciary capacity.
Added by Act 2019, No. 787,§ 1, eff. 7/24/2019.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 8 - GUARANTEED ASSET PROTECTION WAIVERS (§§ 4-90-801 — 4-90-808) › Section 4-90-804 - Contractual liability or other insurance policies

(a)
A contractual liability policy or other insurance policy insuring a guaranteed asset protection waiver shall state the obligation of the insurer to reimburse or pay to the creditor any sums the creditor is legally obligated to waive under the guaranteed asset protection waiver issued by the creditor and purchased or held by the borrower.
(b)
Coverage under a contractual liability or other insurance policy insuring a guaranteed asset protection waiver shall also cover any subsequent assignee upon the assignment, sale, or transfer of the finance agreement.
(c)
Coverage under a contractual liability or other insurance policy insuring a guaranteed asset protection waiver shall remain in effect unless canceled or terminated in compliance with the applicable insurance laws of this state.
(d)
The cancellation or termination of a contractual liability or other insurance policy shall not reduce the insurer's responsibility for guaranteed asset protection waivers issued by the creditor before the date of cancellation or termination and for which a premium has been received by the insurer.
Added by Act 2019, No. 787,§ 1, eff. 7/24/2019.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 8 - GUARANTEED ASSET PROTECTION WAIVERS (§§ 4-90-801 — 4-90-808) › Section 4-90-805 - Disclosures

A guaranteed asset protection waiver shall disclose, as applicable, in writing and in clear and understandable language that is easy to read, the following:
(1)
The name and address of the initial creditor, the borrower at the time of sale, and the identity of any administrator, if different from the initial creditor;
(2)
The purchase price and the terms of the guaranteed asset protection waiver, including without limitation the requirements for protection, conditions, or exclusions associated with the guaranteed asset protection waiver;
(3)
That the borrower may cancel the guaranteed asset protection waiver within a free look period as specified in the guaranteed asset protection waiver, and will be entitled to a full refund of the purchase price, so long as no benefits have been provided;
(4)
The procedure the borrower has to follow, if any, to obtain guaranteed asset protection waiver benefits under the terms and conditions of the guaranteed asset protection waiver, including a telephone number and address where the borrower may apply for waiver benefits;
(5)
Whether or not the guaranteed asset protection is cancelable after the free look period and, if so, the conditions under which it may be canceled or terminated, including the procedures for requesting any refund due;
(6)
(A)
That in order to receive any refund due in the event of a borrower's cancellation of the guaranteed asset protection waiver agreement or early termination of the finance agreement after the free look period of the guaranteed asset protection waiver, the borrower, according to the terms of the waiver, shall provide a written notice requesting to cancel to the creditor, administrator, or other party.
(B)
If the request is being made due to the early termination of the finance agreement, the notice shall be provided to the creditor, administrator, or other party within ninety (90) days of the occurrence of the event terminating the finance agreement;
(7)
The methodology for calculating any refund of the unearned purchase price of the guaranteed asset protection waiver due, in the event of cancellation of the guaranteed asset protection waiver or early termination of the finance agreement;
(8)
That the extension of credit, the terms of the credit agreement, or the terms of the related motor vehicle sale or lease shall not be conditioned on the purchase of the guaranteed asset protection waiver; and
(9)
That the cost of the guaranteed asset protection waiver is not regulated and that the borrower should determine whether the cost of the guaranteed asset protection waiver is reasonable in relation to the protection afforded by the guaranteed asset protection waiver.
Added by Act 2019, No. 787,§ 1, eff. 7/24/2019.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 8 - GUARANTEED ASSET PROTECTION WAIVERS (§§ 4-90-801 — 4-90-808) › Section 4-90-806 - Cancellation of guaranteed asset protection waiver

(a)
(1)
A guaranteed asset protection waiver agreement may be cancelable or may not be cancelable after the free look period.
(2)
A guaranteed asset protection waiver that is cancelable shall provide that if a borrower cancels a guaranteed asset protection waiver within the free look period, the borrower shall be entitled to a full refund of the purchase price, so long as no benefits have been provided.
(b)
(1)
Upon a borrower's cancellation of the guaranteed asset protection waiver or early termination of the finance agreement, after the agreement has been in effect beyond the free look period and no benefits have been provided, the borrower shall be entitled to a refund of any unearned portion of the purchase price of the waiver less any cancellation fee no greater than seventy-five dollars ($75.00) according to the terms of the waiver.
(2)
In order to receive a refund, a borrower shall provide a written notice requesting to cancel the guaranteed asset protection waiver to the creditor, administrator, or other party under any applicable terms of the guaranteed asset protection waiver.
(3)
If the request is being made due to the early termination of the finance agreement, the notice shall be provided by the borrower to the creditor, administrator, or other party within ninety (90) days of the occurrence of the event terminating the finance agreement.
(c)
If the cancellation of the guaranteed asset protection waiver occurs as a result of a default under the finance agreement, the repossession of the motor vehicle associated with the finance agreement, or any other termination of the finance agreement, any refund due may be paid directly to the creditor or administrator and applied as stated in subsection (d) of this section.
(d)
A cancellation refund under this section may be applied by the creditor as a reduction of the amount owed under the finance agreement, unless the borrower can show that the finance agreement has been paid in full.
Added by Act 2019, No. 787,§ 1, eff. 7/24/2019.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 8 - GUARANTEED ASSET PROTECTION WAIVERS (§§ 4-90-801 — 4-90-808) › Section 4-90-807 - Commercial transactions - Exemptions

Section
4-90-803(c)
, §
4-90-805
, and §
4-90-808
shall not apply to a guaranteed asset protection waiver offered in a commercial transaction involving a lease or retail installment sale.
Added by Act 2019, No. 787,§ 1, eff. 7/24/2019.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 90 - AUTOMOBILES (§§ 4-90-201 — 4-90-808) › Subchapter 8 - GUARANTEED ASSET PROTECTION WAIVERS (§§ 4-90-801 — 4-90-808) › Section 4-90-808 - Enforcement

(a)
The Insurance Commissioner may take action that is necessary or appropriate to enforce this subchapter and to protect guaranteed asset protection waiver holders in this state.
(b)
After notice and opportunity for hearing, the commissioner may:
(1)
Order the creditor, administrator, or other person that is not complying with this subchapter to cease and desist from further guaranteed asset protection waiver-related operations that are in violation of this subchapter; and
(2)
(A)
Impose a penalty of no more than five hundred dollars ($500) per violation and a maximum total of no more than ten thousand dollars ($10,000) for all violations of a similar nature.
(B)
For purposes of this section, a violation shall be of a similar nature if the violation consists of the same or similar course of conduct, action, or practice, regardless of the number of times the conduct, action, or practice that is determined to be a violation has occurred.
Added by Act 2019, No. 787,§ 1, eff. 7/24/2019.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 91 - CREDIT SERVICES ORGANIZATIONS (§§ 4-91-101 — 4-91-202) › Subchapter 1 - [Repealed] CREDIT SERVICES ORGANIZATIONS ACT OF 1987 (§§ 4-91-101 — 4-91-109) › Section 4-91-101 - [Repealed]

Repealed by Act 2017, No. 944,§ 2, eff. 8/1/2017.
Acts 1987, No. 321, § 1.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 91 - CREDIT SERVICES ORGANIZATIONS (§§ 4-91-101 — 4-91-202) › Subchapter 1 - [Repealed] CREDIT SERVICES ORGANIZATIONS ACT OF 1987 (§§ 4-91-101 — 4-91-109) › Section 4-91-102 - [Repealed]

Repealed by Act 2017, No. 944,§ 3, eff. 8/1/2017.
Acts 1987, No. 321, § 2.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 91 - CREDIT SERVICES ORGANIZATIONS (§§ 4-91-101 — 4-91-202) › Subchapter 1 - [Repealed] CREDIT SERVICES ORGANIZATIONS ACT OF 1987 (§§ 4-91-101 — 4-91-109) › Section 4-91-103 - [Repealed]

Repealed by Act 2017, No. 944,§ 4, eff. 8/1/2017.
Acts 1987, No. 321, § 8.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 91 - CREDIT SERVICES ORGANIZATIONS (§§ 4-91-101 — 4-91-202) › Subchapter 1 - [Repealed] CREDIT SERVICES ORGANIZATIONS ACT OF 1987 (§§ 4-91-101 — 4-91-109) › Section 4-91-104 - [Repealed]

Repealed by Act 2017, No. 944,§ 5, eff. 8/1/2017.
Acts 1987, No. 321, § 8; 1991, No. 786, § 1.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 91 - CREDIT SERVICES ORGANIZATIONS (§§ 4-91-101 — 4-91-202) › Subchapter 1 - [Repealed] CREDIT SERVICES ORGANIZATIONS ACT OF 1987 (§§ 4-91-101 — 4-91-109) › Section 4-91-105 - [Repealed]

Repealed by Act 2017, No. 944,§ 6, eff. 8/1/2017.
Acts 1987, No. 321, § 9.
Arkansas Code of 1987 (2023) › Title 4 - BUSINESS AND COMMERCIAL LAW (§§ 4-1-101 — 4-119-105) › Subtitle 7 - CONSUMER PROTECTION (§§ 4-86-101 — 4-119-105) › Chapter 91 - CREDIT SERVICES ORGANIZATIONS (§§ 4-91-101 — 4-91-202) › Subchapter 1 - [Repealed] CREDIT SERVICES ORGANIZATIONS ACT OF 1987 (§§ 4-91-101 — 4-91-109) › Section 4-91-106 - [Repealed]

Repealed by Act 2017, No. 944,§ 7, eff. 8/1/2017.
Acts 1987, No. 321, §§ 3, 4.