HRS §480J-11
Insufficient funds charge
This section says an installment lender can charge you one fee, up to $25, for each payment that bounces due to insufficient funds, but cannot charge any other fees for that. If the lender's own check to you bounces, the lender must pay any fees you incur because of it.
borrowerslandlords
The statute, as written — Authorized insufficient funds charge
(a) Regardless of the number of instances where a consumer's payment is rejected due to insufficient funds, an installment lender may contract for and collect one insufficient funds charge for each payment due on an installment loan, not to exceed $25. The lender shall not collect any other fees as a result of the insufficient funds of the consumer. (b) If the loan proceeds instrument delivered by the installment lender to the consumer is dishonored by the financial institution, the installment lender shall cover any fees and charges incurred by the consumer as a direct result of the dishonored loan proceeds instrument.
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