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2023 Nevada Revised Statutes
Chapter 604A - Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services
GENERAL PROVISIONS
General Provisions
General Provisions CONSUMER CREDIT TO COVERED SERVICE MEMBERS
- 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.036 - "Consumer credit" defined.
- NRS 604A.038 - "Covered service member" 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.057 - "Dependent" 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.083 - "Nationwide Multistate Licensing System and Registry" or "Registry" 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.
- 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; restrictions.
- 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. [Effective through June 30, 2024.] Exemptions from chapter. [Effective July 1, 2024, and expires by limitation on December 31, 2029.] Exemptions from chapter. [Effective January 1, 2030.]
- NRS 604A.260 - Applicability of provisions of chapter governing enforcement or collection of obligations originated under chapter.
- NRS 604A.300 - Regulations.
- NRS 604A.303 - Commissioner required to implement and maintain database of certain information related to deferred deposit loans, title loans and high-interest loans; fee; confidentiality; regulations.
- NRS 604A.305 - Authority to inform public of certain information relating to licensees offering services through Internet website.
- NRS 604A.310 - Certain relationships between officers and employees of Division of Financial Institutions and licensees prohibited; duty to terminate prohibited relationships.
- NRS 604A.315 - Commissioner required to investigate alleged violations of chapter.
General Provisions
- NRS 604A.400 - Operation of check-cashing service, deferred deposit loan service, high-interest loan service or title loan service without license prohibited; operation of deferred deposit loan service or high-interest loan service through automated loan machine prohibited; criminal penalties.
- NRS 604A.405 - Required notices and disclosures; regulations.
- NRS 604A.501 - Limitations on original term.
- NRS 604A.5011 - Licensee required to make determination of ability of customer to repay loan and compliance of loan with certain requirements before making loan.
- NRS 604A.5012 - Written loan agreement required; contents.
- NRS 604A.5014 - Requirements for collection of defaulted loan; civil action to collect debt; venue.
- NRS 604A.5015 - Practices regarding customers who are members of military.
- NRS 604A.5016 - Provision of information and materials concerning public assistance and services.
- NRS 604A.5017 - Limitation regarding amount of loan.
- NRS 604A.5018 - Prohibited acts by licensee regarding multiple loans to same customer.
- NRS 604A.502 - Prohibited acts by licensee: Accepting 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.5021 - Prohibited acts by licensee: Improper lending and collection practices; deceptive trade practices; false, misleading and deceptive advertising; reinitiating certain transactions; using agent, affiliate or subsidiary to avoid requirements or prohibitions of chapter.
- NRS 604A.5023 - Rescission of loan by customer.
- NRS 604A.5024 - Payment of loan in full.
- NRS 604A.5025 - Partial payment on loan.
- NRS 604A.5026 - Extended payment plan: Customer eligibility; requirements; restrictions; default.
- NRS 604A.5027 - Repayment plan.
- NRS 604A.5029 - Limitations on using proceeds of new deferred deposit loan or high-interest loan to pay balance of outstanding deferred deposit loan; exceptions.
- NRS 604A.503 - Limitations on amounts licensee may collect after default.
- NRS 604A.5031 - 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.5033 - Receipt required for each payment by customer; contents.
- NRS 604A.5034 - Requirements regarding person acting as agent or assisting in making loan.
- NRS 604A.570 - Required disclosures.
- NRS 604A.571 - Prohibited fees.
- NRS 604A.572 - Prohibited advertisements.
- NRS 604A.573 - Required notices.
- NRS 604A.574 - Limitations on extended term of loans.
- NRS 604A.575 - Rescission of loan by customer.
- NRS 604A.576 - Collection of past due accounts; prohibited acts.
- NRS 604A.577 - Reporting violations of chapter.
- NRS 604A.578 - Certain licensees required to offer repayment plan.
- NRS 604A.579 - Licensee offering services through Internet website required to comply with applicable laws.
- NRS 604A.5035 - Determination of whether loan is high-interest loan.
- NRS 604A.5037 - Limitations on original term.
- NRS 604A.5038 - Licensee required to make determination of ability of customer to repay loan and compliance of loan with certain requirements before making loan.
- NRS 604A.504 - Written loan agreement required; contents.
- NRS 604A.5041 - Requirements for collection of defaulted loan; civil action to collect debt; venue.
- NRS 604A.5042 - Provision of information and materials concerning public assistance and services.
- NRS 604A.5043 - Practices regarding customers who are members of military.
- NRS 604A.5045 - Limitation regarding amount of loan.
- NRS 604A.5046 - Prohibited acts by licensee regarding multiple loans to same customer.
- NRS 604A.5048 - Prohibited acts by licensee: Accepting 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.5049 - Prohibited acts by licensee: Improper lending and collection practices; deceptive trade practices; false, misleading and deceptive advertising; reinitiating certain transactions; using agent, affiliate or subsidiary to avoid requirements or prohibitions of chapter.
- NRS 604A.505 - Rescission of loan by customer.
- NRS 604A.5052 - Payment of loan in full.
- NRS 604A.5053 - Partial payment on loan.
- NRS 604A.5055 - Repayment plan.
- NRS 604A.5057 - Limitations on using proceeds of new deferred deposit loan or high-interest loan to pay balance of outstanding high-interest loan; exceptions.
- NRS 604A.5058 - Limitations on amounts licensee may collect after default.
- NRS 604A.506 - Limitations on fees licensees may charge after default on installment payments.
- NRS 604A.5061 - 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.5063 - Receipt required for each payment by customer; contents.
- NRS 604A.5064 - Requirements regarding person acting as agent or assisting in making loan.
- NRS 604A.580 - Required disclosures.
- NRS 604A.581 - Prohibited fees.
- NRS 604A.582 - Prohibited advertisements.
- NRS 604A.583 - Required notices.
- NRS 604A.584 - Limitations on extended term of loans.
- NRS 604A.585 - Rescission of loan by customer.
- NRS 604A.586 - Collection of past due accounts; prohibited acts.
- NRS 604A.587 - Reporting violations of chapter.
- NRS 604A.588 - Certain licensees required to offer repayment plan.
- NRS 604A.589 - Licensee offering services through Internet website required to comply with applicable laws.
- NRS 604A.5065 - Licensee required to make determination of ability of customer to repay loan and compliance of loan with certain requirements before making loan.
- NRS 604A.5067 - Written loan agreement required; contents.
- NRS 604A.5068 - Requirements for collection of defaulted loan; civil action to collect debt; venue.
- NRS 604A.507 - Practices regarding customers who are members of military.
- NRS 604A.50705 - Provision of information and materials concerning public assistance and services.
- NRS 604A.5071 - 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.5072 - Prohibited acts by licensee: Improper lending and collection practices; deceptive trade practices; false, misleading and deceptive advertising; reinitiating certain transactions; using agent, affiliate or subsidiary to avoid requirements or prohibitions of chapter.
- NRS 604A.5074 - Restrictions on duration of loan and periods of extension.
- NRS 604A.5076 - Prohibited acts by licensee regarding amount of loan, ownership of vehicle and customer’s ability to repay loan.
- NRS 604A.5078 - Applicability of Uniform Commercial Code; repossession of vehicle; civil action.
- NRS 604A.5079 - Rescission of loan by customer.
- NRS 604A.508 - Payment of loan in full.
- NRS 604A.5081 - Partial payment on loan.
- NRS 604A.5083 - Repayment plan.
- NRS 604A.5085 - Limitations on amounts licensee may collect after default.
- NRS 604A.5086 - 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.5088 - Receipt required for each payment by customer; contents.
- NRS 604A.5089 - Requirements regarding person acting as agent or assisting in making loan.
- NRS 604A.590 - Required disclosures.
- NRS 604A.591 - Prohibited fees.
- NRS 604A.592 - Prohibited advertisements.
- NRS 604A.593 - Required notices.
- NRS 604A.594 - Rescission of loan by customer.
- NRS 604A.595 - Collection of past due accounts; prohibited acts.
- NRS 604A.596 - Reporting violations of chapter.
- NRS 604A.597 - Certain licensees required to offer repayment plan.
- NRS 604A.598 - Licensee offering services through Internet website required to comply with applicable laws.
- NRS 604A.509 - Practices regarding customers who are members of military.
- NRS 604A.5092 - Prohibited acts by licensee: Improper practices; deceptive trade practices; using agent, affiliate or subsidiary to avoid requirements or prohibitions of chapter.
- NRS 604A.5094 - 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.
General Provisions CONSUMER CREDIT TO COVERED SERVICE MEMBERS
- NRS 604A.5983 - Prohibited annual percentage rates.
- NRS 604A.5985 - Required disclosures.
- NRS 604A.5987 - Prohibited terms of consumer credit to covered service member.
- 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 company or pawnbroker.
- NRS 604A.660 - Change of address by licensee: Notice; approval by Commissioner; penalty for failure to provide required notice.
- NRS 604A.665 - Commissioner authorized to take action to participate in Registry; charges for use; regulations; provisions do not affect authority of Commissioner regarding licensing.
- NRS 604A.670 - Submission and processing of fingerprints.
- NRS 604A.675 - Commissioner to report information to Registry; confidentiality of information provided; Commissioner authorized to enter into certain agreements and arrangements.
- NRS 604A.680 - Additional materials to be submitted to Registry.
- NRS 604A.685 - Licensee required to register and maintain unique identifier; Commissioner authorized to issue license through Registry; references to Commissioner deemed references to Registry.
- 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; Commissioner may require additional reports.
- NRS 604A.760 - Fees for failure to submit reports.
- 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.
- 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.
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