HRS §490:9-602

When you cannot give up your rights under secured debt rules

Read the official text at capitol.hawaii.gov ↗

This section says that a debtor or obligor cannot give up or change certain rights and duties that the law gives them in a secured transaction. These rights are listed in other sections of the law. There is one exception, which is a separate section about allowed waivers.

debtors

The statute, as written — Waiver and variance of rights and duties

A copy, taken August 20, 2026. The version published by the Legislature is the one that governs, and it may have changed since. Check it before relying on anything here.

Except as otherwise provided in section 490:9-624, to the extent that they give rights to a debtor or obligor and impose duties on a secured party, the debtor or obligor may not waive or vary the rules stated in the following listed sections: (1) Section 490:9-207(b)(4)(C), which deals with use and operation of the collateral by the secured party; (2) Section 490:9-210, which deals with requests for an accounting and requests concerning a list of collateral and statement of account; (3) Section 490:9-607(c), which deals with collection and enforcement of collateral; (4) Sections 490:9-608(a) and 490:9-615(c) to the extent that they deal with application or payment of noncash proceeds of collection, enforcement, or disposition; (5) Sections 490:9-608(a) and 490:9-615(d) to the extent that they require accounting for or payment of surplus proceeds of collateral; (6) Section 490:9-609 to the extent that it imposes upon a secured party that takes possession of collateral without judicial process the duty to do so without breach of the peace; (7) Sections 490:9-610(b), 490:9-611, 490:9-613, and 490:9-614, which deal with disposition of collateral; (8) Section 490:9-615(f), which deals with calculation of a deficiency or surplus when a disposition is made to the secured party, a person related to the secured party, or a secondary obligor; (9) Section 490:9-616, which deals with explanation of the calculation of a surplus or deficiency; (10) Sections 490:9-620, 490:9-621, and 490:9-622, which deal with acceptance of collateral in satisfaction of obligation; (11) Section 490:9-623, which deals with redemption of collateral; (12) Section 490:9-624, which deals with permissible waivers; and (13) Sections 490:9-625 and 490:9-626, which deal with the secured party's liability for failure to comply with this article.

Read the official text at capitol.hawaii.gov ↗as published Jan 6, 2026our copy taken Aug 20, 2026

Sections this one refers to

§490:9-207 Rights and duties when a lender holds your collateral

§490:9-210 Asking your lender for account or collateral information

§490:9-607 How a secured party can collect what is owed after default

§490:9-608 How money from collecting collateral is paid out

§490:9-609 Lender's right to take collateral after default

§490:9-610 What a lender can do with collateral after you default

§490:9-615 How sale money is divided and who owes the rest

§490:9-616 How the lender must explain a surplus or deficiency

§490:9-620 When a lender can keep collateral for the debt

§490:9-623 Right to redeem collateral

§490:9-624 When you can give up rights after default

§490:9-625 What happens when a secured party breaks the rules

LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.