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2019 North Carolina General Statutes
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.
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