Chapter

Loans

Ind. Code § 24-4.5-3-0.1— Application of certain amendments to chapter
Ind. Code § 24-4.5-3-101— Short title
Ind. Code § 24-4.5-3-102— Application
Ind. Code § 24-4.5-3-103— Repealed
Ind. Code § 24-4.5-3-104— Repealed
Ind. Code § 24-4.5-3-105— "Consumer loan"; first lien mortgage transaction not included
Ind. Code § 24-4.5-3-106— "Loan"
Ind. Code § 24-4.5-3-107— Definitions; "lender"; "precomputed"; "principal"
Ind. Code § 24-4.5-3-108— "Revolving loan account"
Ind. Code § 24-4.5-3-109— "Loan finance charge"
Ind. Code § 24-4.5-3-110— Repealed
Ind. Code § 24-4.5-3-110.5— Repealed
Ind. Code § 24-4.5-3-201— Loan finance charge for consumer loans other than supervised loans; loan agreements entered into after June 30, 2020; precomputed consumer loans prohibited; nonrefundable prepaid finance charge; subterfuge by lender; applicability of criminal loansharking statute
Ind. Code § 24-4.5-3-202— Permitted additional charges; skip-a-payment services; expedited payment services; debt cancellation agreements; insurance; GAP agreements
Ind. Code § 24-4.5-3-203— Repealed
Ind. Code § 24-4.5-3-203.5— Delinquency charges; conversion of precomputed loan to loan with finance charge based on unpaid balances
Ind. Code § 24-4.5-3-204— Deferral charges
Ind. Code § 24-4.5-3-205— Loan finance charge on refinancing
Ind. Code § 24-4.5-3-206— Loan finance charge on consolidation
Ind. Code § 24-4.5-3-207— Conversion to revolving loan account
Ind. Code § 24-4.5-3-208— Advances to perform covenants of debtor
Ind. Code § 24-4.5-3-209— Right to prepay; prepayment penalty; total finance charge; payoff statement; liability for failure to provide; short sales; foreclosed property; no protection from deficiency judgment
Ind. Code § 24-4.5-3-210— Rebate upon prepayment
Ind. Code § 24-4.5-3-301— Disclosures required by Consumer Credit Protection Act; exempt transactions
Ind. Code § 24-4.5-3-302— Repealed
Ind. Code § 24-4.5-3-303— Repealed
Ind. Code § 24-4.5-3-304— Repealed
Ind. Code § 24-4.5-3-305— Repealed
Ind. Code § 24-4.5-3-306— Repealed
Ind. Code § 24-4.5-3-307— Repealed
Ind. Code § 24-4.5-3-308— Repealed
Ind. Code § 24-4.5-3-309— Repealed
Ind. Code § 24-4.5-3-310— Repealed
Ind. Code § 24-4.5-3-311— Repealed
Ind. Code § 24-4.5-3-401— Scope
Ind. Code § 24-4.5-3-402— Balloon payments; compliance with Alternative Mortgage Transaction Parity Act
Ind. Code § 24-4.5-3-403— No assignment of earnings
Ind. Code § 24-4.5-3-404— Attorney's fees
Ind. Code § 24-4.5-3-405— Limitation on default charges
Ind. Code § 24-4.5-3-406— Notice of assignment
Ind. Code § 24-4.5-3-407— Authorization to confess judgment prohibited
Ind. Code § 24-4.5-3-408— Creditor's duty to credit payment as of date of receipt; payments not conforming to requirements; creditor's failure to credit payment
Ind. Code § 24-4.5-3-501— Definitions; "supervised loan"; "supervised lender"
Ind. Code § 24-4.5-3-501.5— Persons also engaging in activities of a loan broker; examination by department; cooperation with securities division
Ind. Code § 24-4.5-3-502— Authority to make, take assignment of, or collect consumer loans other than mortgage transactions; license required; exempt persons; branches; separate license required for small loans
Ind. Code § 24-4.5-3-502.1— Authority to make, take assignment of, or collect subordinate lien mortgage transactions; license required; exempt persons; registration with NMLSR; licensed mortgage loan originators; applications for licensure; director's authority to contract with NMLSR
Ind. Code § 24-4.5-3-502.2— Use of NMLSR in department's licensing system; reporting of information to NMLSR; confidentiality; director's authority to enter agreements; waiver of privilege; processing fee; electronic records
Ind. Code § 24-4.5-3-503— Applications for licenses; issuance; evidence of compliance; use of NMLSR; denial of application; right to hearing; fees; license not assignable or transferable; tax warrant list
Ind. Code § 24-4.5-3-503.1— National criminal history background check; fingerprints; payment of fees or costs; use of NMLSR
Ind. Code § 24-4.5-3-503.2— Credit reports; payment of fees or costs; demonstrated financial responsibility; considerations
Ind. Code § 24-4.5-3-503.3— Surety bond for creditors engaged in mortgage transactions; requirements; amount; termination; liability; notices
Ind. Code § 24-4.5-3-503.4— Use of NMLSR in department's licensing system for subordinate lien mortgage transactions; reporting of information to NMLSR; confidentiality; director's authority to enter agreements; waiver of privilege; processing fee; electronic records
Ind. Code § 24-4.5-3-503.5— Repealed
Ind. Code § 24-4.5-3-503.6— License renewal; revocation or suspension of license not renewed; reinstatement or appeal; correcting amendments
Ind. Code § 24-4.5-3-504— Suspension or revocation of license; order to show cause; order of suspension or revocation; relinquishment of license; preexisting contracts; emergency order for revocation
Ind. Code § 24-4.5-3-505— Record keeping; use of unique identifier on forms and documents; use of examination and regulatory software; submitting call reports to NMLSR; composite reports; notice to department of certain events or changes
Ind. Code § 24-4.5-3-505.5— Automated loan machines
Ind. Code § 24-4.5-3-506— Repealed
Ind. Code § 24-4.5-3-507— Repealed
Ind. Code § 24-4.5-3-508— Loan finance charge for supervised loans; precomputed supervised loans prohibited after June 30, 2020; nonrefundable prepaid finance charge; loan paid in full by new loan from same lender
Ind. Code § 24-4.5-3-508.5— Repealed
Ind. Code § 24-4.5-3-509— Use of multiple agreements
Ind. Code § 24-4.5-3-510— Restrictions on interest in land as security
Ind. Code § 24-4.5-3-511— Regular schedule of payments; maximum loan term
Ind. Code § 24-4.5-3-512— Carrying on other business
Ind. Code § 24-4.5-3-513— Application of other provisions
Ind. Code § 24-4.5-3-514— Repealed
Ind. Code § 24-4.5-3-515— Change in control of creditor; application to department; timeframe for department's decision; conditions for approval; creditor's duty to report transfer of securities; director's discretion to require new license
Ind. Code § 24-4.5-3-601— Loans subject to article by agreement of parties
Ind. Code § 24-4.5-3-602— "Consumer related loan"; loan finance charge; licensing and annual notice to department not required
Ind. Code § 24-4.5-3-603— Applicability of other provisions to consumer related loans
Ind. Code § 24-4.5-3-604— Limitation on default charges in consumer related loans
Ind. Code § 24-4.5-3-605— Loan finance charge for other loans
Ind. Code § 24-4.5-3-606— Required disclosures; liability on fraudulently cashed instruments
Ind. Code § 24-4.5-3-701— Requirement to provide property tax information in certain transactions