North Carolina Chapter 25A — Retail Installment Sales Act

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N.C. Gen. Stat. § 25A-1— Scope of act
N.C. Gen. Stat. § 25A-2— "Consumer credit sale" defined
N.C. Gen. Stat. § 25A-3— "Payable in installments" defined
N.C. Gen. Stat. § 25A-4— "Goods" defined
N.C. Gen. Stat. § 25A-5— "Services" defined
N.C. Gen. Stat. § 25A-6— "Seller" defined
N.C. Gen. Stat. § 25A-7— "Cash price" defined
N.C. Gen. Stat. § 25A-8— "Finance charge" defined
N.C. Gen. Stat. § 25A-9— "Amount financed" defined
N.C. Gen. Stat. § 25A-10— "Official fees" defined
N.C. Gen. Stat. § 25A-11— "Revolving charge account contract" defined
N.C. Gen. Stat. § 25A-12— "Consumer credit installment sale contract" defined
N.C. Gen. Stat. § 25A-13— "Consumer Credit Protection Act" defined
N.C. Gen. Stat. § 25A-14— Finance charge rates and service charge for revolving charge account contracts
N.C. Gen. Stat. § 25A-15— Finance charge rates for consumer credit installment sale contracts
N.C. Gen. Stat. § 25A-16— Transfer of equity
N.C. Gen. Stat. § 25A-17— Additional charges for insurance
N.C. Gen. Stat. § 25A-18— Confession of judgment
N.C. Gen. Stat. § 25A-19— Acceleration
N.C. Gen. Stat. § 25A-20— Disclaimer of warranty
N.C. Gen. Stat. § 25A-21— Attorneys' fees
N.C. Gen. Stat. § 25A-22— Receipts for payments; return of title documents upon full payment
N.C. Gen. Stat. § 25A-23— Collateral taken by the seller
N.C. Gen. Stat. § 25A-24— Identification of instruments of indebtedness
N.C. Gen. Stat. § 25A-25— Preservation of consumers' claims and defenses
N.C. Gen. Stat. § 25A-26— Substitution of collateral
N.C. Gen. Stat. § 25A-27— Application of payments
N.C. Gen. Stat. § 25A-28— Form of consumer credit installment sale contract
N.C. Gen. Stat. § 25A-29— Default charges
N.C. Gen. Stat. § 25A-30— Deferral charges
N.C. Gen. Stat. § 25A-31— Consolidation and refinancing
N.C. Gen. Stat. § 25A-32— Rebates on prepayment
N.C. Gen. Stat. § 25A-32.1— Unearned finance charge credits on prepayment of loans secured by real property and mobile home loans
N.C. Gen. Stat. § 25A-33— Terms of payments
N.C. Gen. Stat. § 25A-34— Balloon payments
N.C. Gen. Stat. § 25A-35— Statement of account
N.C. Gen. Stat. § 25A-36— Certificates of insurance and rebates
N.C. Gen. Stat. § 25A-37— Referral sales
N.C. Gen. Stat. § 25A-38— "Home-solicitation sale" defined
N.C. Gen. Stat. § 25A-39— Buyer's right to cancel
N.C. Gen. Stat. § 25A-40— Form of agreement or offer; statement of buyer's rights
N.C. Gen. Stat. § 25A-41— Restoration of down payment; retention of goods
N.C. Gen. Stat. § 25A-42— Duties as to care and return of goods; no compensation for services prior to cancellation
N.C. Gen. Stat. § 25A-43— Unconscionability
N.C. Gen. Stat. § 25A-44— Remedies and penalties
N.C. Gen. Stat. § 25A-45— Conflict with Consumer Credit Protection Act