Chapter 476

§476-1 Key terms used in this credit sales law

§476-2 State rules cannot conflict with federal lending rules

§476-3 Rules for writing a credit sale contract

§476-4 What credit sale contracts must tell you

§476-5 Your right to refinance a large final payment

§476-6 Paying later on a contract and extra charges

§476-7 Buyer must get a signed copy of the contract

§476-8 Rules for insurance in credit sale contracts

§476-9 Late fees, court costs, and lawyer fees on credit contracts

§476-10 Incomplete or changed credit sale contracts

§476-11 Rules for buying on credit from a catalog

§476-12 Paying the last known holder of your credit contract

§476-13 Getting payment records and receipts for credit purchases

§476-14 When a creditor can speed up your payments

§476-15 No forced confessions or wage assignments in credit contracts

§476-16 Buyers cannot give up their rights in credit contracts

§476-17 No extra property as security later

§476-18 No forced agent for collecting payments or repossessing goods

§476-19 Buyers keep their legal rights when a contract is sold

§476-20 Canceling a referral sale within 15 business days

§476-21 What a buyer can do if the seller breaks the rules

§476-22 Contract cancellation after buyer pays everything

§476-23 Paying off a credit sale early and getting a refund

§476-24 Adding new purchases to an existing credit sale contract

§476-25 When a buyer can move or sell goods before paying in full

§476-26 Removal of a vehicle by a service member

§476-27 Penalty for hiding or damaging goods after a sale

§476-28 Rules for finance charges on credit sales

§476-29 Advertising rules for credit sales

§476-30 Which credit sales this law covers

§476-31 Who can sue to stop violations of this law