There is a newer version of the North Carolina General Statutes
2013 North Carolina General Statutes
Chapter 25A - Retail Installment Sales Act.
- Section 25A-1 - Scope of act.
- Section 25A-2 - "Consumer credit sale" defined.
- Section 25A-3 - "Payable in installments" defined.
- Section 25A-4 - "Goods" defined.
- Section 25A-5 - "Services" defined.
- Section 25A-6 - "Seller" defined.
- Section 25A-7 - "Cash price" defined.
- Section 25A-8 - "Finance charge" defined.
- Section 25A-9 - "Amount financed" defined.
- Section 25A-10 - "Official fees" defined.
- Section 25A-11 - "Revolving charge account contract" defined.
- Section 25A-12 - "Consumer credit installment sale contract" defined.
- Section 25A-13 - "Consumer Credit Protection Act" defined.
- Section 25A-14 - Finance charge rates and service charge for revolving charge account contracts.
- Section 25A-15 - Finance charge rates for consumer credit installment sale contracts.
- Section 25A-16 - Transfer of equity.
- Section 25A-17 - Additional charges for insurance.
- Section 25A-18 - Confession of judgment.
- Section 25A-19 - Acceleration.
- Section 25A-20 - Disclaimer of warranty.
- Section 25A-21 - Attorneys' fees.
- Section 25A-22 - Receipts for payments; return of title documents upon full payment.
- Section 25A-23 - Collateral taken by the seller.
- Section 25A-24 - Identification of instruments of indebtedness.
- Section 25A-25 - Preservation of consumers' claims and defenses.
- Section 25A-26 - Substitution of collateral.
- Section 25A-27 - Application of payments.
- Section 25A-28 - Form of consumer credit installment sale contract.
- Section 25A-29 - Default charges.
- Section 25A-30 - Deferral charges.
- Section 25A-31 - Consolidation and refinancing.
- Section 25A-32 - Rebates on prepayment.
- Section 25A-32.1 - 1. Unearned finance charge credits on prepayment of loans secured by real property and mobile home loans.
- Section 25A-33 - Terms of payments.
- Section 25A-34 - Balloon payments.
- Section 25A-35 - Statement of account.
- Section 25A-36 - Certificates of insurance and rebates.
- Section 25A-37 - Referral sales.
- Section 25A-38 - "Home-solicitation sale" defined.
- Section 25A-39 - Buyer's right to cancel.
- Section 25A-40 - Form of agreement or offer; statement of buyer's rights.
- Section 25A-41 - Restoration of down payment; retention of goods.
- Section 25A-42 - Duties as to care and return of goods; no compensation for services prior to cancellation.
- Section 25A-43 - Unconscionability.
- Section 25A-44 - Remedies and penalties.
- Section 25A-45 - Conflict with Consumer Credit Protection Act.
Disclaimer: These codes may not be the most recent version. North Carolina may have more current or accurate information. We make no warranties or guarantees about the accuracy, completeness, or adequacy of the information contained on this site or the information linked to on the state site. Please check official sources.
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