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Chapter 4 - Certain Lending Practices. (6.2-400 thru 6.2-437)

• 6.2-400 - (Effective October 1, 2010) Amount of late charge; when charge can be made.
• 6.2-401 - (Effective October 1, 2010) Acceleration clause in note evidencing installment loan; effect of acceleration.
• 6.2-402 - (Effective October 1, 2010) Notice of use of Rule of 78 rebate method.
• 6.2-403 - (Effective October 1, 2010) The Rule of 78.
• 6.2-404 - (Effective October 1, 2010) When use of Rule of 78 prohibited or permitted.
• 6.2-405 - (Effective October 1, 2010) References to sections regulating rebates of unearned interest and prepayment penalties.
• 6.2-406 - (Effective October 1, 2010) Disclosure of terms of mortgage application.
• 6.2-407 - (Effective October 1, 2010) Lenders to furnish borrower with copy of appraisal.
• 6.2-408 - (Effective October 1, 2010) Priority of interest on debts secured by mortgage or deed of trust.
• 6.2-409 - (Effective October 1, 2010) Addition of unpaid interest to principal balance.
• 6.2-410 - (Effective October 1, 2010) Borrowers not to be required to employ particular professionals.
• 6.2-411 - (Effective October 1, 2010) Requirements relating to insurance.
• 6.2-412 - (Effective October 1, 2010) Fire insurance coverage under certain loans not to exceed replacement value of improvements.
• 6.2-413 - (Effective October 1, 2010) Obligation of lender to reimburse unused mortgage guaranty insurance premiums.
• 6.2-414 - (Effective October 1, 2010) Obligation of person maintaining escrow account to pay taxes and insurance; penalties.
• 6.2-415 - (Effective October 1, 2010) Lender not to cancel insurance policy at time of refinancing under certain circumstances.
• 6.2-416 - (Effective October 1, 2010) Certain mortgages not to prohibit further encumbrance of real property.
• 6.2-417 - (Effective October 1, 2010) Mortgage or deed of trust to contain notice that debt is subject to call or modification on conveyance of property.
• 6.2-418 - (Effective October 1, 2010) Property owner entitled to written statement of payoff amount.
• 6.2-419 - (Effective October 1, 2010) Disclosure of terms of assumption.
• 6.2-420 - (Effective October 1, 2010) Prepayment penalty not to be collected in certain circumstances.
• 6.2-421 - (Effective October 1, 2010) Certain contracts to permit prepayment; amount of prepayment penalty.
• 6.2-422 - (Effective October 1, 2010) Prepayment penalty for loan secured by home occupied by borrower.
• 6.2-423 - (Effective October 1, 2010) Prepayment of loans secured by certain subordinate mortgages or deeds of trust; rebates for unearned interest.
• 6.2-424 - (Effective October 1, 2010) Definitions.
• 6.2-425 - (Effective October 1, 2010) Cardholder not liable in absence of request for, consent to issuance of, or use of card.
• 6.2-426 - (Effective October 1, 2010) When request, consent, or use not condition precedent to liability.
• 6.2-427 - (Effective October 1, 2010) Costs and attorney fee in suit on card; evidence of request or consent.
• 6.2-428 - (Effective October 1, 2010) Production of credit card number as condition of check cashing or acceptance prohibited.
• 6.2-429 - (Effective October 1, 2010) Improper use of payment device numbers.
• 6.2-430 - (Effective October 1, 2010) Place where transaction occurred; federal Fair Credit Billing Act.
• 6.2-431 - (Effective October 1, 2010) Certain cards excepted.
• 6.2-432 - (Effective October 1, 2010) Credit card account disclosures.
• 6.2-433 - (Effective October 1, 2010) Amendment to open-end credit contract or plan by bank or savings institution.
• 6.2-434 - (Effective October 1, 2010) Law governing open-end credit contract or plan by bank or savings institution.
• 6.2-435 - (Effective October 1, 2010) Law governing open-end credit contract or plan by seller or lender.
• 6.2-436 - (Effective October 1, 2010) Compliance with federal law.
• 6.2-437 - (Effective October 1, 2010) Right of buyer of consumer goods to refinance certain payments; agreements as to fluctuation in schedule of payments.