Chapter

Louisiana Consumer Credit Law

La. R.S. 9:3510— LOUISIANA CONSUMER CREDIT LAW
La. R.S. 9:3511— Scope
La. R.S. 9:3512— Exclusions
La. R.S. 9:3513— Waiver, agreement to forego rights
La. R.S. 9:3514— Agreement to contract; disclosures of the contract
La. R.S. 9:3515— Conduct of certain business other than making consumer loans prohibited
La. R.S. 9:3516— Definitions
La. R.S. 9:3517— Terms; construction; additional fees and charges
La. R.S. 9:3518— Construction against implicit repeal
La. R.S. 9:3518.1— Records of the Office of Financial Institutions
La. R.S. 9:3518.2— Credit cards; unsolicited delivery or mailing prohibited; penalty
La. R.S. 9:3518.3— Credit cards; printing of accounting numbers on sales receipts; liability
La. R.S. 9:3518.4— Contract validity; consumer credit transactions; deferred presentment transactions
La. R.S. 9:3519— Consumer loans
La. R.S. 9:3520— Consumer credit sale
La. R.S. 9:3521— Maximum charges after negotiations
La. R.S. 9:3522— Maximum charges after maturity
La. R.S. 9:3523— Credit service charge for revolving charge accounts
La. R.S. 9:3524— Loan finance charge on lender credit card accounts
La. R.S. 9:3525— Leap years
La. R.S. 9:3526— Variable rates
La. R.S. 9:3527— Maximum delinquency charges; notice of conversion
La. R.S. 9:3528— Maximum deferral charges
La. R.S. 9:3529— Installment of consumer credit transaction returned; additional charge to account
La. R.S. 9:3530— Fees; origination; notary, documentation; over-the-credit-limit fee
La. R.S. 9:3531— Right to prepay
La. R.S. 9:3532— Rebate upon prepayment
La. R.S. 9:3532.1— Prepayment penalties in connection with simple interest real estate secured loans
La. R.S. 9:3533— Rebate after acceleration of maturity
La. R.S. 9:3534— Fees; attorney, collection agency
La. R.S. 9:3534.1— Collection agent; registration; assignment of debt to collector
La. R.S. 9:3535— Use of multiple agreements
La. R.S. 9:3536— Referral sales
La. R.S. 9:3537— Repealed by Acts 1980, No. 694, 2.
La. R.S. 9:3538— Consumer's right to cancel
La. R.S. 9:3539— Form of agreement or offer; statement of consumer's right; compliance
La. R.S. 9:3540— Restoration of down payment; retention of cancellation fee
La. R.S. 9:3541— Duty of consumer; no compensation for services prior to cancellation
La. R.S. 9:3541.1— Consumer's right to cancel mail and check solicitation sales
La. R.S. 9:3541.21— Definitions
La. R.S. 9:3541.22— Prohibited practices
La. R.S. 9:3542— Requirement of insurance
La. R.S. 9:3543— Property insurance
La. R.S. 9:3544— Existing insurance
La. R.S. 9:3545— Limitations on insurance rates; contract requirements
La. R.S. 9:3546— Choice of insurer
La. R.S. 9:3547— Conditions applying to insurance provided by the extender of credit
La. R.S. 9:3548— Cancellation of insurance; refund or credit upon cancellation
La. R.S. 9:3549— Gain from insurance
La. R.S. 9:3550— Insurance premium finance companies
La. R.S. 9:3551— Unconscionability
La. R.S. 9:3552— Effect of violations on rights of parties
La. R.S. 9:3553— Criminal penalties
La. R.S. 9:3554— Powers of commissioner
La. R.S. 9:3554.1— Commissioner's powers; unlicensed persons
La. R.S. 9:3554.2— Reapplication after revocation of a license
La. R.S. 9:3554.3— Cost of appeal; effect of final decision
La. R.S. 9:3555— Injunctions; investigations; enforcement actions; civil penalties; costs
La. R.S. 9:3556— Method of procedure
La. R.S. 9:3556.1— Records; rules
La. R.S. 9:3556.2— Guidance by commissioner; advisory opinions
La. R.S. 9:3556.3— Violations; penalties
La. R.S. 9:3557— Authority to make consumer loans
La. R.S. 9:3558— License to make consumer loans
La. R.S. 9:3559— Continuation of licensing
La. R.S. 9:3559.1— Regulation of former licensees
La. R.S. 9:3560— Licenses not required
La. R.S. 9:3561— Single place of business; additional licenses
La. R.S. 9:3561.1— License; examination; renewal fees; records
La. R.S. 9:3561.2— Registration of licensees with the secretary of state
La. R.S. 9:3562— Unauthorized collection practices
La. R.S. 9:3563— Applicability
La. R.S. 9:3563.1— Financial institutions exempt
La. R.S. 9:3564— Notification
La. R.S. 9:3565— Notification fee
La. R.S. 9:3566— Repealed by Acts 1997, No. 48, 1.
La. R.S. 9:3567— Repealed by Acts 1997, No. 63, 3.
La. R.S. 9:3568— Identity theft
La. R.S. 9:3571— Dissemination of specific credit information; subpoena of records; requirements; penalties
La. R.S. 9:3571.1— Credit reporting agency information and reports; consumer access to files; right of correction; dissemination or maintenance of untrue or misleading credit information by credit reporting agency; investigation; right to recovery
La. R.S. 9:3571.2— Limitations on use of consumer's credit report
La. R.S. 9:3571.3— Security freezes for protected persons
La. R.S. 9:3572.1— Loan broker defined
La. R.S. 9:3572.2— Exemptions; licensing and bonding; loan broker
La. R.S. 9:3572.3— Licensure required
La. R.S. 9:3572.4— Corporation
La. R.S. 9:3572.5— Application form
La. R.S. 9:3572.6— Restrictions; records
La. R.S. 9:3572.7— Examination; rules
La. R.S. 9:3572.8— Bond or trust account required
La. R.S. 9:3572.9— Rebate upon prepayment
La. R.S. 9:3572.10— Right of cancellation
La. R.S. 9:3572.11— Loan brokerage statement; disclosure statement required
La. R.S. 9:3572.12— Violations; penalties
La. R.S. 9:3573.1— Short title; purpose
La. R.S. 9:3573.2— Definitions; exemptions
La. R.S. 9:3573.3— Prohibited conduct
La. R.S. 9:3573.4— Bond; trust account
La. R.S. 9:3573.5— Repealed by Acts 2006, No. 190, §2.
La. R.S. 9:3573.6— Disclosure statement
La. R.S. 9:3573.7— Form and terms of contract
La. R.S. 9:3573.8— Waiver
La. R.S. 9:3573.9— Repealed by Acts 2008, No. 858, §2, eff. July 9, 2008.
La. R.S. 9:3573.10— Action for damages
La. R.S. 9:3573.11— Orders, injunctions, and publication
La. R.S. 9:3573.12— Statute of limitations
La. R.S. 9:3573.13— Criminal penalty
La. R.S. 9:3573.14— Burden of proving exemption
La. R.S. 9:3573.15— Remedies cumulative
La. R.S. 9:3573.16— Civil money penalties
La. R.S. 9:3573.17— Repealed by Acts 2008, No. 858, §2, eff. July 9, 2008.
La. R.S. 9:3574.1— Short title
La. R.S. 9:3574.2— Definitions
La. R.S. 9:3574.3— Advance fees; prohibited acts
La. R.S. 9:3574.4— Responsibility of principals
La. R.S. 9:3574.5— Investigations; cease and desist orders; administrative fines
La. R.S. 9:3574.6— Investigations; examinations; subpoenas; hearings; witnesses
La. R.S. 9:3574.7— Injunction to restrain violations
La. R.S. 9:3574.8— Criminal penalties
La. R.S. 9:3574.9— Actions for damages
La. R.S. 9:3574.10— Duties and powers of the office
La. R.S. 9:3575.1— Repealed by Acts 1997, No. 798, 1.
La. R.S. 9:3575.2— Repealed by Acts 1997, No. 798, 1.
La. R.S. 9:3575.3— Repealed by Acts 1997, No. 798, 1.
La. R.S. 9:3575.4— Repealed by Acts 1997, No. 798, 1.
La. R.S. 9:3575.5— Repealed by Acts 1997, No. 798, 1.
La. R.S. 9:3575.6— Repealed by Acts 1997, No. 789, 1.
La. R.S. 9:3575.7— Repealed by Acts 1997, No. 798, 1.
La. R.S. 9:3575.8— Repealed by Acts 1997, No. 798, 1.
La. R.S. 9:3575.9— Repealed by Acts 1997, No. 798, 1.
La. R.S. 9:3575.10— Repealed by Acts 1997, No. 798, 1.
La. R.S. 9:3576.1— Repealed by Acts 2003, No. 638, §1.
La. R.S. 9:3576.2— Repealed by Acts 2003, No. 638, §1.
La. R.S. 9:3576.3— Repealed by Acts 2003, No. 638, §1.
La. R.S. 9:3576.4— Repealed by Acts 2003, No. 638, §1.
La. R.S. 9:3576.5— Repealed by Acts 2003, No. 638, §1.
La. R.S. 9:3576.6— Repealed by Acts 2003, No. 638, §1.
La. R.S. 9:3576.7— Repealed by Acts 2003, No. 638, §1.
La. R.S. 9:3576.8— Repealed by Acts 2003, No. 638, §1.
La. R.S. 9:3576.9— Repealed by Acts 2003, No. 638, §1.
La. R.S. 9:3576.10— Repealed by Acts 2003, No. 638, §1.
La. R.S. 9:3576.11— Repealed by Acts 2003, No. 638, §1.
La. R.S. 9:3576.12— Repealed by Acts 2003, No. 638, §1.
La. R.S. 9:3576.13— Repealed by Acts 2003, No. 638, §1.
La. R.S. 9:3576.14— Repealed by Acts 2003, No. 638, §1.
La. R.S. 9:3576.15— Repealed by Acts 2003, No. 638, §1.
La. R.S. 9:3576.16— Repealed by Acts 2003, No. 638, §1.
La. R.S. 9:3576.17— Repealed by Acts 2003, No. 638, §1.
La. R.S. 9:3576.18— Repealed by Acts 2003, No. 638, §1.
La. R.S. 9:3576.19— Repealed by Acts 2003, No. 638, §1.
La. R.S. 9:3576.20— Repealed by Acts 2003, No. 638, §1.
La. R.S. 9:3576.21— Repealed by Acts 2003, No. 638, §1.
La. R.S. 9:3576.22— Repealed by Acts 2003, No. 638, §1.
La. R.S. 9:3576.23— Repealed by Acts 2003, No. 638, §1.
La. R.S. 9:3576.24— Repealed by Acts 2003, No. 638, §1.
La. R.S. 9:3577.1— Short title
La. R.S. 9:3577.2— Definitions
La. R.S. 9:3577.3— Registration prior to solicitation; inducements prohibited
La. R.S. 9:3577.4— Debt collection against parent or guardian prohibited
La. R.S. 9:3577.5— Violations; penalties
La. R.S. 9:3578.1— Short title
La. R.S. 9:3578.2— Legislative intent
La. R.S. 9:3578.3— Definitions
La. R.S. 9:3578.4— Finance charge and fees
La. R.S. 9:3578.4.1— Extended payment plan; terms; conditions
La. R.S. 9:3578.5— Rebate upon prepayment
La. R.S. 9:3578.6— Prohibited acts
La. R.S. 9:3578.7— Posting of notice; toll-free number
La. R.S. 9:3578.8— Powers of the commissioner; adoption of rules and regulations
La. R.S. 9:3579.1— Short title
La. R.S. 9:3579.2— Definitions
La. R.S. 9:3579.3— Restriction on acting as facilitator
La. R.S. 9:3579.4— Disclosure requirements
La. R.S. 9:3580.1— Short title
La. R.S. 9:3580.2— Definitions
La. R.S. 9:3580.3— Disclosure of foreign third-party litigation funding and foreign source certification by foreign entities
La. R.S. 9:3580.4— Foreign disclosure; certification
La. R.S. 9:3580.5— Third-party litigation funding; prohibitions
La. R.S. 9:3580.6— Enforcement
La. R.S. 9:3580.7— Reports to the legislature
La. R.S. 9:3580.11— Short title
La. R.S. 9:3580.12— Definitions
La. R.S. 9:3580.13— Disclosure of financing agreements; discovery