North Carolina Chapter 25A — Retail Installment Sales Act.
- § 25A-1. Scope of act.
- § 25A-2. "Consumer credit sale" defined.
- § 25A-3. "Payable in installments" defined.
- § 25A-4. "Goods" defined.
- § 25A-5. "Services" defined.
- § 25A-6. "Seller" defined.
- § 25A-7. "Cash price" defined.
- § 25A-8. "Finance charge" defined.
- § 25A-9. "Amount financed" defined.
- § 25A-10. "Official fees" defined.
- § 25A-11. "Revolving charge account contract" defined.
- § 25A-12. "Consumer credit installment sale contract" defined.
- § 25A-13. "Consumer Credit Protection Act" defined.
- § 25A-14. Finance charge rates and service charge for revolving charge account contracts.
- § 25A-15. Finance charge rates for consumer credit installment sale contracts.
- § 25A-16. Transfer of equity.
- § 25A-17. Additional charges for insurance.
- § 25A-18. Confession of judgment.
- § 25A-19. Acceleration.
- § 25A-20. Disclaimer of warranty.
- § 25A-21. Attorneys' fees.
- § 25A-22. Receipts for payments; return of title documents upon full payment.
- § 25A-23. Collateral taken by the seller.
- § 25A-24. Identification of instruments of indebtedness.
- § 25A-25. Preservation of consumers' claims and defenses.
- § 25A-26. Substitution of collateral.
- § 25A-27. Application of payments.
- § 25A-28. Form of consumer credit installment sale contract.
- § 25A-29. Default charges.
- § 25A-30. Deferral charges.
- § 25A-31. Consolidation and refinancing.
- § 25A-32. Rebates on prepayment.
- § 25A-32.1. Unearned finance charge credits on prepayment of loans secured by real property and mobile home loans.
- § 25A-33. Terms of payments.
- § 25A-34. Balloon payments.
- § 25A-35. Statement of account.
- § 25A-36. Certificates of insurance and rebates.
- § 25A-37. Referral sales.
- § 25A-38. "Home-solicitation sale" defined.
- § 25A-39. Buyer's right to cancel.
- § 25A-40. Form of agreement or offer; statement of buyer's rights.
- § 25A-41. Restoration of down payment; retention of goods.
- § 25A-42. Duties as to care and return of goods; no compensation for services prior to cancellation.
- § 25A-43. Unconscionability.
- § 25A-44. Remedies and penalties.
- § 25A-45. Conflict with Consumer Credit Protection Act.