Nebraska Chapter 45 — Interest, Loans, and Debt
- § 45-101 — Repealed. Laws 1975, LB 349, s. 6.
- § 45-101.01 — Unconstitutional.
- § 45-101.02 — Terms, defined.
- § 45-101.03 — General interest rate; maximum; variable rate authorized; conditions.
- § 45-101.04 — General interest rate; maximum; when not applicable.
- § 45-101.05 — Mortgage loan; escrow account; how established and maintained.
- § 45-101.06 — Escrow accounts; not required.
- § 45-101.07 — Violations; penalty.
- § 45-102 — Interest; legal rate; exception.
- § 45-103 — Interest; judgments; decrees; rate; exceptions.
- § 45-103.01 — Postjudgment interest; accrual; when.
- § 45-103.02 — Prejudgment interest; accrual; when; conditions.
- § 45-103.03 — Interest; how computed.
- § 45-103.04 — Prejudgment interest; exceptions.
- § 45-104 — Interest; other contract obligations.
- § 45-104.01 — Interest; political subdivisions; delinquent taxes; special assessments.
- § 45-104.02 — Interest; State of Nebraska; delinquent taxes; special assessments; credits or refunds.
- § 45-105 — Usury; penalty.
- § 45-105.01 — Unconstitutional.
- § 45-106 — Interest; warrants or orders.
- § 45-107 — Interest; effect on purchase of certain lands.
- § 45-108 — Interest; rate; when calculated by the year.
- § 45-109 — Contracts for payment of money or indebtedness; when usurious.
- § 45-110 — Usurious contracts; limit of recovery.
- § 45-111 — Usury; civil proceedings; testimony of lender compellable.
- § 45-112 — Usury; relief; tender of principal unnecessary.
- § 45-113 — Usury; witness; testimony not evidence in criminal proceeding, when.
- § 45-114 — Transferred to section 45-1002.
- § 45-115 — Transferred to section 45-1003.
- § 45-116 — Transferred to section 45-1004.
- § 45-117 — Transferred to section 45-1005.
- § 45-118 — Transferred to section 45-1006.
- § 45-119 — Transferred to section 45-1007.
- § 45-120 — Transferred to section 45-1008.
- § 45-121 — Transferred to section 45-1009.
- § 45-122 — Transferred to section 45-1010.
- § 45-123 — Transferred to section 45-1011.
- § 45-124 — Transferred to section 45-1012.
- § 45-125 — Repealed. Laws 1983, LB 447, s. 104.
- § 45-126 — Transferred to section 45-1013.
- § 45-127 — Transferred to section 45-1014.
- § 45-128 — Transferred to section 45-1015.
- § 45-129 — Transferred to section 45-1016.
- § 45-130 — Transferred to section 45-1017.
- § 45-131 — Transferred to section 45-1018.
- § 45-132 — Transferred to section 45-1019.
- § 45-133 — Transferred to section 45-1020.
- § 45-134 — Transferred to section 45-1021.
- § 45-135 — Transferred to section 45-1022.
- § 45-136 — Transferred to section 45-1023.
- § 45-137 — Transferred to section 45-1024.
- § 45-138 — Transferred to section 45-1025.
- § 45-139 — Transferred to section 45-1026.
- § 45-140 — Transferred to section 45-1027.
- § 45-141 — Repealed. Laws 1957, c. 185, s. 5.
- § 45-142 — Transferred to section 45-1028.
- § 45-143 — Transferred to section 45-1029.
- § 45-144 — Transferred to section 45-1030.
- § 45-145 — Transferred to section 45-1031.
- § 45-146 — Repealed. Laws 2001, LB 53, s. 115.
- § 45-147 — Repealed. Laws 2001, LB 53, s. 115.
- § 45-148 — Transferred to section 45-1034.
- § 45-149 — Transferred to section 45-1035.
- § 45-150 — Transferred to section 45-1036.
- § 45-151 — Repealed. Laws 1988, LB 352, s. 190.
- § 45-152 — Repealed. Laws 1988, LB 352, s. 190.
- § 45-153 — Transferred to section 45-1037.
- § 45-154 — Transferred to section 45-1038.
- § 45-155 — Transferred to section 45-1039.
- § 45-155.01 — Repealed. Laws 1989, LB 3, s. 2.
- § 45-156 — Transferred to section 45-1040.
- § 45-157 — Transferred to section 45-1041.
- § 45-158 — Transferred to section 45-1042.
- § 45-159 — Repealed. Laws 1982, LB 592, s. 2.
- § 45-160 — Repealed. Laws 1982, LB 592, s. 2.
- § 45-161 — Repealed. Laws 1982, LB 592, s. 2.
- § 45-162 — Repealed. Laws 1982, LB 592, s. 2.
- § 45-163 — Repealed. Laws 1971, LB 684, s. 1.
- § 45-164 — Repealed. Laws 1971, LB 684, s. 1.
- § 45-165 — Repealed. Laws 1971, LB 684, s. 1.
- § 45-165.01 — Repealed. Laws 1971, LB 684, s. 1.
- § 45-165.02 — Repealed. Laws 1971, LB 684, s. 1.
- § 45-166 — Repealed. Laws 1971, LB 684, s. 1.
- § 45-167 — Repealed. Laws 1971, LB 684, s. 1.
- § 45-168 — Repealed. Laws 1971, LB 684, s. 1.
- § 45-169 — Repealed. Laws 1971, LB 684, s. 1.
- § 45-170 — Repealed. Laws 1959, c. 264, s. 1, p. 952.
- § 45-171 — Repealed. Laws 1971, LB 684, s. 1.
- § 45-172 — Repealed. Laws 1971, LB 684, s. 1.
- § 45-173 — Transferred to section 45-1043.
- § 45-174 — Transferred to section 45-1044.
- § 45-175 — Transferred to section 45-1045.
- § 45-176 — Transferred to section 45-1046.
- § 45-177 — Transferred to section 45-1047.
- § 45-178 — Transferred to section 45-1048.
- § 45-179 — Transferred to section 45-1049.
- § 45-180 — Transferred to section 45-1050.
- § 45-181 — Transferred to section 45-1051.
- § 45-182 — Transferred to section 45-1052.
- § 45-183 — Transferred to section 45-1053.
- § 45-184 — Transferred to section 45-1054.
- § 45-185 — Transferred to section 45-1055.
- § 45-186 — Transferred to section 45-1056.
- § 45-187 — Transferred to section 45-1057.
- § 45-188 — Transferred to section 45-1058.
- § 45-188.01 — Repealed. Laws 2001, LB 53, s. 115.
- § 45-189 — Loan brokers; legislative findings.
- § 45-190 — Terms, defined.
- § 45-191 — Loan brokers; prohibited acts.
- § 45-191.01 — Loan brokerage agreement; written disclosure statement; requirements.
- § 45-191.02 — Loan brokers; filings with department required; filing fees.
- § 45-191.03 — Prohibited acts; violations; penalties.
- § 45-191.04 — Loan brokerage agreement; requirements; right to cancel.
- § 45-191.05 — Waiver of sections; attempt; prohibited.
- § 45-191.06 — Department; adopt rules and regulations.
- § 45-191.07 — Violation of loan brokerage agreement by loan broker; effect.
- § 45-191.08 — Director; enforcement powers.
- § 45-191.09 — Director; summary cease and desist order; when; other enforcement measures; collection of fines and costs; hearing; procedure; appeal.
- § 45-191.10 — Persons exempt.
- § 45-191.11 — Burden of proof.
- § 45-192 — Repealed. Laws 1993, LB 270, s. 15.
- § 45-193 — Repealed. Laws 1993, LB 270, s. 15.
- § 45-194 — Transferred to section 45-1059.
- § 45-195 — Transferred to section 45-1060.
- § 45-196 — Transferred to section 45-1061.
- § 45-197 — Repealed. Laws 2001, LB 53, s. 115.
- § 45-198 — Transferred to section 45-1062.
- § 45-199 — Transferred to section 45-1063.
- § 45-1,100 — Transferred to section 45-1064.
- § 45-1,101 — Transferred to section 45-1065.
- § 45-1,102 — Transferred to section 45-1066.
- § 45-1,103 — Transferred to section 45-1067.
- § 45-1,104 — Federal interest rate limitations; rejected by state.
- § 45-1,105 — Terms, defined.
- § 45-1,106 — Consumer credit transaction; default; notice required.
- § 45-1,107 — Consumer credit transaction; default; consumer's right to cure.
- § 45-1,108 — Consumer credit transaction; voluntary surrender of goods; creditor's right to enforce security interest.
- § 45-1,109 — Consumer credit transactions; procedures; when applicable.
- § 45-1,110 — Consumer credit default procedures; not applicable to certain licensees.
- § 45-1,111 — Forced sale; disposition of certain proceeds.
- § 45-1,112 — Terms, defined.
- § 45-1,113 — Action or defense based on credit agreement; requirements.
- § 45-1,114 — Implied credit agreement; limitations.
- § 45-1,115 — Sections; applicability.
- § 45-1,116 — Transferred to section 45-1068.
- § 45-201 — Repealed. Laws 1965, c. 267, s. 7.
- § 45-202 — Repealed. Laws 1965, c. 267, s. 7.
- § 45-203 — Repealed. Laws 1965, c. 267, s. 7.
- § 45-204 — Terms, defined.
- § 45-205 — Agreements; requirements; fees and delinquency charges authorized.
- § 45-206 — Monthly statement by seller; contents; payment in full; requirements.
- § 45-207 — Time-price differential; rate; maximum.
- § 45-208 — Violations; penalty.
- § 45-209 — Prohibited acts.
- § 45-301 — Repealed. Laws 1963, c. 270, s. 21, p. 817.
- § 45-302 — Repealed. Laws 1963, c. 270, s. 21, p. 817.
- § 45-303 — Repealed. Laws 1963, c. 270, s. 21, p. 817.
- § 45-304 — Repealed. Laws 1963, c. 270, s. 21, p. 817.
- § 45-305 — Repealed. Laws 1963, c. 270, s. 21, p. 817.
- § 45-306 — Repealed. Laws 1963, c. 270, s. 21, p. 817.
- § 45-307 — Repealed. Laws 1963, c. 270, s. 21, p. 817.
- § 45-308 — Repealed. Laws 1963, c. 270, s. 21, p. 817.
- § 45-309 — Repealed. Laws 1963, c. 270, s. 21, p. 817.
- § 45-310 — Repealed. Laws 1963, c. 270, s. 21, p. 817.
- § 45-311 — Repealed. Laws 1963, c. 270, s. 21, p. 817.
- § 45-312 — Repealed. Laws 1963, c. 270, s. 21, p. 817.
- § 45-313 — Repealed. Laws 1965, c. 268, s. 22, p. 768.
- § 45-314 — Repealed. Laws 1965, c. 268, s. 22, p. 768.
- § 45-315 — Repealed. Laws 1965, c. 268, s. 22, p. 768.
- § 45-316 — Repealed. Laws 1965, c. 268, s. 22, p. 768.
- § 45-317 — Repealed. Laws 1965, c. 268, s. 22, p. 768.
- § 45-318 — Repealed. Laws 1965, c. 268, s. 22, p. 768.
- § 45-319 — Repealed. Laws 1965, c. 268, s. 22, p. 768.
- § 45-320 — Repealed. Laws 1965, c. 268, s. 22, p. 768.
- § 45-321 — Repealed. Laws 1965, c. 268, s. 22, p. 768.
- § 45-322 — Repealed. Laws 1965, c. 268, s. 22, p. 768.
- § 45-323 — Repealed. Laws 1965, c. 268, s. 22, p. 768.
- § 45-324 — Repealed. Laws 1965, c. 268, s. 22, p. 768.
- § 45-325 — Repealed. Laws 1965, c. 268, s. 22, p. 768.
- § 45-326 — Repealed. Laws 1965, c. 268, s. 22, p. 768.
- § 45-327 — Repealed. Laws 1965, c. 268, s. 22, p. 768.
- § 45-328 — Repealed. Laws 1965, c. 268, s. 22, p. 768.
- § 45-329 — Repealed. Laws 1965, c. 268, s. 22, p. 768.
- § 45-330 — Repealed. Laws 1965, c. 268, s. 22. p. 768.
- § 45-331 — Repealed. Laws 1965, c. 268, s. 22, p. 768.
- § 45-332 — Repealed. Laws 1965, c. 268, s. 22, p. 768.
- § 45-333 — Transferred to section 45-408.
- § 45-334 — Act, how cited.
- § 45-335 — Terms, defined.
- § 45-336 — Installment contract; requirements.
- § 45-337 — Insurance; policy; cancellation; premium refund; fee.
- § 45-338 — Installment contract; time-price differential; rate; maximum; origination fee.
- § 45-339 — Subsequent purchases; consolidate with previous contract; requirements.
- § 45-340 — Contracts negotiated by mail; requirements.
- § 45-341 — Delinquency charges; limitation; fee.
- § 45-342 — Prepayment; rebate; how computed.
- § 45-343 — Failure to obtain license; penalty.
- § 45-344 — Excess charges; penalty.
- § 45-345 — License; requirement; exception.
- § 45-346 — License; application; issuance; fee; revocation; requirements.
- § 45-347 — Fees; disposition.
- § 45-348 — License; renewal; fee; voluntary surrender of license.
- § 45-349 — Repealed. Laws 1983, LB 447, s. 104.
- § 45-350 — License; denial of renewal; suspension; revocation; appeal.
- § 45-351 — Licensee; investigation and inspection; director; appoint examiners; charges; fines; lien.
- § 45-351.01 — Holder of contract; extension or deferment authorized; fee.
- § 45-352 — Rules and regulations; adopt.
- § 45-353 — Violations; enforcement; receiver; appointment; powers; duties.
- § 45-401 — Repealed. Laws 1973, LB 3, s. 1.
- § 45-402 — Repealed. Laws 1973, LB 3, s. 1.
- § 45-403 — Repealed. Laws 1973, LB 3, s. 1.
- § 45-404 — Repealed. Laws 1973, LB 3, s. 1.
- § 45-405 — Repealed. Laws 1973, LB 3, s. 1.
- § 45-406 — Repealed. Laws 1973, LB 3, s. 1.
- § 45-407 — Repealed. Laws 1973, LB 3, s. 1.
- § 45-408 — Repealed. Laws 1989, LB 3, s. 2.
- § 45-501 — Repealed. Laws 1969, c. 45, s. 3.
- § 45-502 — Repealed. Laws 1969, c. 45, s. 3.
- § 45-601 — Act, how cited; collection agency; license required; violation; penalty; foreign agency; communication authorized.
- § 45-602 — Terms, defined.
- § 45-603 — Collection Agency Licensing Board; created; members; term; expenses; employees; Secretary of State; duties.
- § 45-604 — Board; adopt rules and regulations.
- § 45-605 — Board; duties; application for license; filing; issuance; denial; appeal.
- § 45-606 — License; application; fee; financial statement; form.
- § 45-607 — License; qualifications of licensee.
- § 45-608 — Licensee; bond; conditions.
- § 45-609 — License; form; display.
- § 45-610 — Licensee; employees; solicitor's certificates; form.
- § 45-611 — Licenses; certificates; expiration; renewal; application; time.
- § 45-612 — Licensee; solicitor; violation; conviction; revocation; hearing; order.
- § 45-613 — Licensee; solicitor; complaint; citation; notice; hearing.
- § 45-614 — Licensee; solicitor; citation; power to issue subpoenas; depositions.
- § 45-615 — Licensee; solicitor; citation; hearing; board; findings; powers.
- § 45-616 — License; solicitor's certificate; appeals; procedure.
- § 45-617 — Licensee; solicitor's certificate; appeal; effect.
- § 45-618 — Licensee; change place of business; notify Secretary of State; new license; issuance; solicitor; employment terminated; return certificate.
- § 45-619 — Licensee; board; require financial statement; confidential.
- § 45-620 — License; certificates; fees.
- § 45-621 — Nebraska Collection Agency Fund; created; use; investment.
- § 45-622 — Licensee; solicitor; prohibited from practice of law.
- § 45-623 — Collection of public debts; contracts authorized; requirements.
- § 45-701 — Act, how cited.
- § 45-702 — Terms, defined.
- § 45-703 — Act; exemptions.
- § 45-704 — Registration required; registration statement; fee; procedure; renewal.
- § 45-705 — License or registration required; application; fee; registered agent.
- § 45-706 — License; issuance; denial; appeal; renewal; fee.
- § 45-707 — License; suspension or revocation; administrative fine; procedure; surrender; cancellation; expiration; effect.
- § 45-708 — Prohibited acts; penalty.
- § 45-709 — Surety bond; requirements.
- § 45-710 — Director; investigate complaints; request for information; costs; confidentiality.
- § 45-711 — Licensee; duties.
- § 45-712 — Licensee; failure to deliver abstract of title.
- § 45-713 — Transfer of servicing rights; duties.
- § 45-714 — Prohibited acts; violation; penalty; civil liability.
- § 45-715 — Department; duties; rules and regulations.
- § 45-716 — Money collected; disposition.
- § 45-717 — Cease and desist orders; department; powers ; review; violation; penalty; construction of act.
- § 45-717.01 — Violations; administrative fine; costs; lien.
- § 45-717.02 — Investigation or proceeding; enforcement of act; director; powers; failure to comply with act; effect.
- § 45-718 — Appeals.
- § 45-719 — Act; liberal construction.
- § 45-720 — Personal jurisdiction; when.
- § 45-721 — Loans subject to act.
- § 45-801 — Act, how cited.
- § 45-802 — Terms, defined.
- § 45-803 — Exemptions.
- § 45-804 — Prohibited acts.
- § 45-805 — Surety bond or surety account; requirements; action on surety; depository; Secretary of State; powers and duties.
- § 45-806 — Registration statement; contents; requirements; fee.
- § 45-807 — Written statement to buyer; contents; credit services organization; duties.
- § 45-808 — Contract; requirements; cancellation; procedure; notice; breach; effect.
- § 45-809 — Waiver of rights; void.
- § 45-810 — Damages.
- § 45-811 — Violation; injunction.
- § 45-812 — Violation; deceptive trade practice.
- § 45-813 — Statute of limitations.
- § 45-814 — Violation; penalty.
- § 45-815 — Remedies.
- § 45-901 — Act, how cited.
- § 45-902 — Terms, defined.
- § 45-903 — Act; not applicable to financial institutions.
- § 45-904 — License required.
- § 45-905 — Application for license; form; contents; criminal history record information check.
- § 45-906 — Application; fee; bond.
- § 45-907 — Application; notice of filing; publication; hearing; investigation; costs.
- § 45-908 — License; issuance; conditions.
- § 45-909 — Application for license; timely action of director required; appeal.
- § 45-910 — License; posting; renewal; fee.
- § 45-911 — Surrender of license; effect.
- § 45-912 — Licensee; duty to inform director; when.
- § 45-913 — License; not transferable or assignable.
- § 45-914 — Change in control of licensee; approval required.
- § 45-915 — Licensee; principal place of business; change of location; branch offices; approval required; fee.
- § 45-915.01 — Licensee; books and records.
- § 45-916 — Operating with other business; conditions.
- § 45-917 — Licensee; written notice; contents; fees, charges, and penalties; posting required.
- § 45-918 — Fee; limitation.
- § 45-919 — Acts prohibited.
- § 45-920 — Director; examination of licensee; costs.
- § 45-921 — Alleged violations; director; powers and duties.
- § 45-922 — Licensee; disciplinary actions; failure to renew.
- § 45-923 — Cease and desist order; procedure; appeal.
- § 45-924 — Injunction, restraining order, or writ of mandamus.
- § 45-925 — Violations; orders authorized; administrative fine; lien; failure to pay; separate violation.
- § 45-926 — Operating without a license; penalty.
- § 45-927 — Fees, charges, costs, and fines; distribution.
- § 45-928 — Personal jurisdiction over licensee.
- § 45-929 — Director; rules and regulations; additional powers.
- § 45-1001 — Act, how cited.
- § 45-1002 — Terms, defined; act; applicability.
- § 45-1003 — Installment loans; financial institution ineligible.
- § 45-1004 — Installment loans; authority of licensee; affiliate of licensee; how treated.
- § 45-1005 — Installment loans; license; application; fee.
- § 45-1006 — Installment loans; application hearing; protest; procedure.
- § 45-1007 — Installment loans; license; bond.
- § 45-1008 — License; issuance; requirements.
- § 45-1009 — License; application; grant or denial; time allowed.
- § 45-1010 — Installment loans; licenses; limitations as to business and persons.
- § 45-1011 — Installment loans; place of business; separate office required; exceptions; enforcement.
- § 45-1012 — Licensee; service of process.
- § 45-1013 — Installment loans; license; renewal; fees.
- § 45-1014 — Installment loans; fees; disposition.
- § 45-1015 — Installment loans; doing business without license; penalty.
- § 45-1016 — Installment loans; rules and regulations; power of Department of Banking and Finance.
- § 45-1017 — Licensees; business, records, and accounts; inspection; expenses; fines; lien.
- § 45-1018 — Licensees; annual reports.
- § 45-1019 — Licensees; unfair practices; enforcement.
- § 45-1020 — Misleading advertising prohibited; enforcement.
- § 45-1021 — Installment loans; interest, defined.
- § 45-1022 — Installment loans; payment in advance; application of payments.
- § 45-1023 — Installment loans; false statement to secure; penalty.
- § 45-1024 — Installment loans; interest rate authorized; charges permitted; computation; application of payments; violations; restrictions.
- § 45-1025 — Installment loans; additional charges authorized; loan period; violation; effect.
- § 45-1026 — Installment loans; insurance upon security; licensee may require; restrictions; refunds; when.
- § 45-1027 — Installment loans; insurance procured through licensee; statement.
- § 45-1028 — Installment loans; assignments of wages or security agreement in blank; prohibited.
- § 45-1029 — Installment loans; power of attorney and instruments with blanks prohibited.
- § 45-1030 — Installment loans; assignment of wages; consent of spouse necessary.
- § 45-1031 — Installment loans; statement to borrower; contents.
- § 45-1032 — Surrender of license; effect.
- § 45-1033 — License; administrative fine; disciplinary actions; failure torenew.
- § 45-1034 — License; revocation; new license; court order required.
- § 45-1035 — License; revocation; record of proceedings.
- § 45-1036 — Appeal; procedure.
- § 45-1037 — Violations; penalty.
- § 45-1038 — Licensees; loan provisions; violations; effect.
- § 45-1039 — Licensees; violations; effect.
- § 45-1040 — Repayment of loan; licensee; duties.
- § 45-1041 — Installment loans; enforcement.
- § 45-1042 — Loans made outside of state; enforcement in this state.
- § 45-1043 — Borrower's obligation; licensee; contacts limitation.
- § 45-1044 — Borrower's obligation; contact; limitation; waiver.
- § 45-1045 — Licensee; contacts permitted without borrower's consent.
- § 45-1046 — Borrower; default; notice to licensee; effect.
- § 45-1047 — Licensee; actions; permitted; prohibited.
- § 45-1048 — Borrower; right to action; licensee; judgment; effect.
- § 45-1049 — Borrower; default; agreement; extent of enforceability.
- § 45-1050 — Borrower; loan; default; licensee; notice; contents.
- § 45-1051 — Borrower; loan; default; right to cure; procedure.
- § 45-1052 — Borrower; loan; default; licensee; possession of collateral; restrictions.
- § 45-1053 — Loan; third-party obligation; when.
- § 45-1054 — Borrower; deficiency; liability; how treated.
- § 45-1055 — Writing evidencing borrower's obligation; form; copies; fee; licensee; duties.
- § 45-1056 — Licensee; discrimination prohibited.
- § 45-1057 — Licensee; loan; former debt; how treated.
- § 45-1058 — Violation; loan transaction; licensee; liability.
- § 45-1059 — Preauthorized loans; definitions; where found.
- § 45-1060 — Billing cycle, defined.
- § 45-1061 — Preauthorized loan, defined.
- § 45-1062 — Preauthorized loans; charges authorized; computation.
- § 45-1063 — Preauthorized loan; repayment; requirements.
- § 45-1064 — Preauthorized loans; additional fees, costs, and expenses authorized; restrictions.
- § 45-1065 — Preauthorized loans; security interest authorized.
- § 45-1066 — Preauthorized loans; sections not applicable.
- § 45-1067 — Preauthorized loans; department; powers.
- § 45-1068 — Reverse-mortgage loan; rules governing; how made or acquired; charges authorized; forfeiture by lender.
- § 45-1069 — Administrative fine; procedure; lien.