2010 Nevada Code
TITLE 52 TRADE REGULATIONS AND PRACTICES
Chapter 604A Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services

GENERAL PROVISIONS
• NRS 604A.010 Definitions.
• NRS 604A.015 "Automated loan machine" defined.
• NRS 604A.020 "Cashing" defined.
• NRS 604A.025 "Check" defined.
• NRS 604A.030 "Check-cashing service" defined.
• NRS 604A.035 "Commissioner" defined.
• NRS 604A.040 "Customer" defined.
• NRS 604A.045 "Default" defined.
• NRS 604A.050 "Deferred deposit loan" defined.
• NRS 604A.055 "Deferred deposit loan service" defined.
• NRS 604A.060 "Electronic transfer of money" defined.
• NRS 604A.065 "Extension" defined.
• NRS 604A.070 "Grace period" defined.
• NRS 604A.0703 "High-interest loan" defined.
• NRS 604A.0705 "High-interest loan service" defined.
• NRS 604A.075 "Licensee" defined.
• NRS 604A.080 "Loan" defined.
• NRS 604A.085 "Refund anticipation loan" defined.
• NRS 604A.090 "Regulation Z" defined.
• NRS 604A.105 "Title loan" defined.
• NRS 604A.110 "Title loan service" defined.
• NRS 604A.115 "Title to a vehicle" or "title" defined.
• NRS 604A.120 "Truth in Lending Act" defined.
• NRS 604A.125 "Vehicle" defined.
• NRS 604A.150 Additional terms defined under federal law; calculation of amount financed, annual percentage rate and finance charge.
SCOPE AND APPLICABILITY
• NRS 604A.200 Application of chapter to persons who seek to evade its provisions.
• NRS 604A.210 Chapter does not prohibit licensee from offering customer grace period.
• NRS 604A.220 Uniformity of application and construction; resolution of conflicts.
• NRS 604A.230 Effect of amendment or repeal of chapter on preexisting lawful contracts.
• NRS 604A.240 Collection of loans made outside State.
• NRS 604A.250 Exemptions from chapter.
• NRS 604A.260 Applicability of enforcement provisions of chapter.
ADMINISTRATION
• NRS 604A.300 Regulations.
• NRS 604A.310 Certain relationships between employees of Division of Financial Institutions and licensees prohibited; duty to terminate prohibited relationships.
REGULATION OF BUSINESS PRACTICES
• NRS 604A.400 Unlawful acts; criminal penalties.
• NRS 604A.402 Commissioner required to investigate alleged violations of chapter.
• NRS 604A.405 Required notices and disclosures.
• NRS 604A.407 Determination of whether loan is high-interest loan.
• NRS 604A.408 Limitations on original term of deferred deposit and high-interest loans.
• NRS 604A.410 Written loan agreement required; contents.
• NRS 604A.415 Collection of defaulted loan; civil action to collect debt; venue.
• NRS 604A.420 Practices regarding customers who are members of military.
• NRS 604A.425 Prohibited acts by licensee regarding amount of loan.
• NRS 604A.430 Prohibited acts by licensee regarding multiple loans to same customer.
• NRS 604A.435 Prohibited acts by licensee: Accepting certain collateral or other types of security; failing to make certain disclosures; taking incomplete instruments; requiring the purchase of insurance or other goods or services; failing to comply with payment plan; charging fee to cash certain checks.
• NRS 604A.440 Prohibited acts by licensee: Improper lending and collection practices; deceptive trade practices; false, misleading and deceptive advertising; using agent, affiliate or subsidiary to avoid requirements or prohibitions of chapter.
• NRS 604A.442 Violation of federal law constitutes violation of chapter.
• NRS 604A.445 Title loans: Restrictions on duration of loan and periods of extension.
• NRS 604A.450 Title loans: Prohibited acts by licensee regarding amount of loan and customer's ability to repay loan.
• NRS 604A.455 Title loans: Applicability of Uniform Commercial Code; repossession of vehicle; civil action.
• NRS 604A.460 Rescission of loan by customer.
• NRS 604A.465 Payment of loan in full.
• NRS 604A.470 Partial payment on loan.
• NRS 604A.475 Repayment plan.
• NRS 604A.480 Limitations on using proceeds of new loan to pay balance of outstanding loan; exceptions.
• NRS 604A.485 Limitations on amounts licensee may collect after default.
• NRS 604A.490 Limitations on fees licensee may collect for check not paid upon presentment or failure of electronic transfer of money; standards for civil liability and criminal prosecution.
• NRS 604A.495 Receipt required for each payment by customer; contents.
• NRS 604A.500 Requirements regarding person acting as agent or assisting in making loan.
LICENSING
• NRS 604A.600 Application for license.
• NRS 604A.605 Additional materials to be submitted with application; grounds for denial of license.
• NRS 604A.610 Surety bond.
• NRS 604A.615 Deposit of securities in lieu of surety bond.
• NRS 604A.620 Application for license for office or other place of business located outside State.
• NRS 604A.625 Investigation of applicant; notice; hearing; order.
• NRS 604A.630 Procedure upon denial of license.
• NRS 604A.635 Issuance of license; display of license; issuance of additional licenses for branch locations; contents of license; license not transferable or assignable.
• NRS 604A.640 Expiration, renewal and reinstatement of license; fees.
• NRS 604A.645 Change of control of licensee: Notice; application to Commissioner.
• NRS 604A.650 Licensee must conduct business in accordance with license; approval of business name; prohibition against using misleading or confusing business name or printed forms.
• NRS 604A.655 Restrictions on location where licensee may conduct business; requirements to conduct business at same location as mortgage broker, mortgage banker or pawnbroker.
• NRS 604A.660 Change of address by licensee: Notice; approval by Commissioner; penalty for failure to provide required notice.
RECORDS, REPORTS AND EXAMINATIONS
• NRS 604A.700 Required books and records.
• NRS 604A.710 Investigation of businesses; examination of books and records by Commissioner.
• NRS 604A.720 Authority of Commissioner to require attendance of witnesses and production of books and records.
• NRS 604A.730 Annual examinations by Commissioner; exceptions.
• NRS 604A.740 Fees for regulatory activities; penalties for failure to pay fees.
• NRS 604A.750 Annual report by licensee; composite reports.
• NRS 604A.760 Fees for failure to submit reports.
DISCIPLINARY ACTION
• NRS 604A.800 Temporary suspension of license: Conditions; notice; hearing; terms of suspension.
• NRS 604A.810 Order to desist and refrain; action to enjoin violation; appointment of receiver.
• NRS 604A.820 Procedure for taking disciplinary action; authorized disciplinary action; grounds.
• NRS 604A.830 Additional grounds for disciplinary action.
• NRS 604A.840 Surrender of license by licensee; effect of surrender.
• NRS 604A.850 Preexisting contracts unaffected by revocation, suspension, expiration or surrender of license.
REMEDIES AND PENALTIES
• NRS 604A.900 Remedies for certain willful violations.
• NRS 604A.910 Administrative fines for unlicensed activity.
• NRS 604A.920 Other remedies for unlicensed activity.
• NRS 604A.930 Civil action.
• NRS 604A.940 Exercise of jurisdiction over party to civil action; service of summons to confer jurisdiction.