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Chapter

Consumer Finance

  • Ala. Code § 5-19-1— Definitions.
  • Ala. Code § 5-19-1.1— Legislative Findings.
  • Ala. Code § 5-19-3— Maximum Finance Charges; Contracting for Minimum Finance Charge; Alternate Per Month Computed Finance Charge.
  • Ala. Code § 5-19-4— Additional Charges for Default or Deferral; Prepayment; Renewal or Refinancing; Real Property Transactions.
  • Ala. Code § 5-19-5— Acceptance of Negotiable Instruments as Evidence of Consumer Debt.
  • Ala. Code § 5-19-6— Copies of Instruments Signed by Debtors to Be Furnished to Debtors; Required Statement in Contracts, Etc.; Limitation on Disclosure Requirements; Intent, Applicability of Limitation.
  • Ala. Code § 5-19-7— Right to Refinance Amount of Certain Scheduled Payments.
  • Ala. Code § 5-19-8— Assignee of Seller Subject to Claims and Defenses of Buyer.
  • Ala. Code § 5-19-9— Application of Payments When Buyer Indebted to Same Seller for Two or More Consumer Credit Sales.
  • Ala. Code § 5-19-10— Contract Provisions for Attorney’s Fees.
  • Ala. Code § 5-19-12— Buyer’s Right to Cancel Home Solicitation Sale.
  • Ala. Code § 5-19-13— Repossession or Acceptance of Surrender of Goods Priced at One Thousand Dollars or Less.
  • Ala. Code § 5-19-14— Rebates or Discounts, Etc., as Inducement for Aiding Sale to Another Prohibited.
  • Ala. Code § 5-19-15— Garnishment.
  • Ala. Code § 5-19-16— Refusal by Court to Enforce Unconscionable Agreement.
  • Ala. Code § 5-19-17— Inducing Obligation on More Than One Contract in Order to Obtain Higher Finance Charge Prohibited; Consolidation of Existing Precomputed Consumer Credit Transaction Contract and Subsequent Precomputed Consumer Credit Transaction.
  • Ala. Code § 5-19-18— Installment Payment of Debt of One Thousand Dollars or Less.
  • Ala. Code § 5-19-19— Liabilities of Creditor Making Excess Finance Charge; Failure to Obtain License; Damages for Deliberate Violation or Reckless Disregard; Written Notice of Violations; Oral Statements Not Admissible; Fiduciary Duty Not Created.
  • Ala. Code § 5-19-20— Insurance.
  • Ala. Code § 5-19-21— Administrator Authorized to Make Rules and Regulations; Filing Notice of Intended Action with Legislative Reference Service; Transactions Entered into After May 20, 1996.
  • Ala. Code § 5-19-22— License to Engage in Business of Making Consumer Loans or Taking Assignments of Consumer Credit Contracts - Required; Exceptions; Application; Investigation; Standards for Issuance; Hearing; Licensing Under Small Loan Act; Fees; Participation in Nationwide Mortgage Licensing System and Registry.
  • Ala. Code § 5-19-23— License to Engage in Business of Making Consumer Loans or Taking Assignments of Consumer Credit Contracts - Revocation or Suspension.
  • Ala. Code § 5-19-24— Examinations and Investigations of Licensees by Administrator.
  • Ala. Code § 5-19-25— Cease and Desist Orders by Administrator; Penalties for Violation of This Chapter; Right to Counsel at Hearing; Judicial Review.
  • Ala. Code § 5-19-26— Appeals to Circuit Court from Order of Administrator; Appeals from Decision of Circuit Court.
  • Ala. Code § 5-19-29— Injunctions.
  • Ala. Code § 5-19-30— Penalty for Violations.
  • Ala. Code § 5-19-31— Nonapplicability of Chapter to Certain Transactions; Certain Laws Not Repealed or Amended.
  • Ala. Code § 5-19-32— Service Contracts.
  • Ala. Code § 5-19-33— Account Maintenance Fee.