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Nevada Chapter 604A — Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services

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  • NRS 604A.010— Definitions
  • NRS 604A.015— “Automated loan machine” defined
  • NRS 604A.020— Cashing” defined
  • NRS 604A.025— “Check” defined
  • NRS 604A.030— “Check-cashing service” defined
  • NRS 604A.035— Commissioner” defined
  • NRS 604A.036— “Consumer credit” defined
  • NRS 604A.038— “Covered service member” defined
  • NRS 604A.040— Customer” defined
  • NRS 604A.045— “Default” defined
  • NRS 604A.050— “Deferred deposit loan” defined
  • NRS 604A.055— “Deferred deposit loan service” defined
  • NRS 604A.057— “Dependent” defined
  • NRS 604A.060— “Electronic transfer of money” defined
  • NRS 604A.065— “Extension” defined
  • NRS 604A.070— “Grace period” defined
  • NRS 604A.075— “Licensee” defined
  • NRS 604A.080— “Loan” defined
  • NRS 604A.083— “Nationwide Multistate Licensing System and Registry” or “Registry” defined
  • NRS 604A.085— “Refund anticipation loan” defined
  • NRS 604A.090— “Regulation Z” defined
  • NRS 604A.105— “Title loan” defined
  • NRS 604A.110— “Title loan service” defined
  • NRS 604A.115— “Title to a vehicle” or “title” defined
  • NRS 604A.120— “Truth in Lending Act” defined
  • NRS 604A.125— “Vehicle” defined
  • NRS 604A.150— Additional terms defined under federal law; calculation of amount financed, annual percentage rate and finance charge
  • NRS 604A.200— Application of chapter to persons who seek to evade its provisions
  • NRS 604A.210— Chapter does not prohibit licensee from offering customer grace period; restrictions
  • NRS 604A.220— Uniformity of application and construction; resolution of conflicts
  • NRS 604A.230— Effect of amendment or repeal of chapter on preexisting lawful contracts
  • NRS 604A.240— Collection of loans made outside State
  • NRS 604A.250— Exemptions from chapter. [Effective through December 31, 2029.]
  • NRS 604A.260— Applicability of provisions of chapter governing enforcement or collection of obligations originated under chapter
  • NRS 604A.300— Regulations
  • NRS 604A.303— Commissioner required to implement and maintain database of certain information related to deferred deposit loans, title loans and high-interest loans; fee; confidentiality; regulations
  • NRS 604A.305— Authority to inform public of certain information relating to licensees offering services through Internet website
  • NRS 604A.310— Certain relationships between officers and employees of Division of Financial Institutions and licensees prohibited; duty to terminate prohibited relationships
  • NRS 604A.315— Commissioner required to investigate alleged violations of chapter
  • NRS 604A.400— Operation of check-cashing service, deferred deposit loan service, high-interest loan service or title loan service without license prohibited; operation of deferred deposit loan service or high-interest loan service through automated loan machine prohibited; criminal penalties
  • NRS 604A.405— Required notices and disclosures; regulations
  • NRS 604A.409— Duties of licensee to safeguard customer information
  • NRS 604A.501— Limitations on original term
  • NRS 604A.502— Prohibited acts by licensee: Accepting collateral or other types of security; failing to make certain disclosures; taking incomplete instruments; requiring the purchase of insurance or other goods or services; failing to comply with payment plan; charging fee to cash certain checks
  • NRS 604A.503— Limitations on amounts licensee may collect after default
  • NRS 604A.504— Written loan agreement required; contents
  • NRS 604A.505— Rescission of loan by customer
  • NRS 604A.506— Limitations on fees licensees may charge after default on installment payments
  • NRS 604A.507— Practices regarding customers who are members of military
  • NRS 604A.508— Payment of loan in full
  • NRS 604A.509— Practices regarding customers who are members of military
  • NRS 604A.510— Short title
  • NRS 604A.515— Applicability
  • NRS 604A.570— Required disclosures
  • NRS 604A.571— Prohibited fees
  • NRS 604A.572— Prohibited advertisements
  • NRS 604A.573— Required notices
  • NRS 604A.574— Limitations on extended term of loans
  • NRS 604A.575— Rescission of loan by customer
  • NRS 604A.576— Collection of past due accounts; prohibited acts
  • NRS 604A.577— Reporting violations of chapter
  • NRS 604A.578— Certain licensees required to offer repayment plan
  • NRS 604A.579— Licensee offering services through Internet website required to comply with applicable laws
  • NRS 604A.580— Required disclosures
  • NRS 604A.581— Prohibited fees
  • NRS 604A.582— Prohibited advertisements
  • NRS 604A.583— Required notices
  • NRS 604A.584— Limitations on extended term of loans
  • NRS 604A.585— Rescission of loan by customer
  • NRS 604A.586— Collection of past due accounts; prohibited acts
  • NRS 604A.587— Reporting violations of chapter
  • NRS 604A.588— Certain licensees required to offer repayment plan
  • NRS 604A.589— Licensee offering services through Internet website required to comply with applicable laws
  • NRS 604A.590— Required disclosures
  • NRS 604A.591— Prohibited fees
  • NRS 604A.592— Prohibited advertisements
  • NRS 604A.593— Required notices
  • NRS 604A.594— Rescission of loan by customer
  • NRS 604A.595— Collection of past due accounts; prohibited acts
  • NRS 604A.596— Reporting violations of chapter
  • NRS 604A.597— Certain licensees required to offer repayment plan
  • NRS 604A.598— Licensee offering services through Internet website required to comply with applicable laws
  • NRS 604A.600— Application for license
  • NRS 604A.605— Additional materials to be submitted with application; grounds for denial of license
  • NRS 604A.610— Surety bond
  • NRS 604A.615— Deposit of securities in lieu of surety bond
  • NRS 604A.620— Application for license for office or other place of business located outside State
  • NRS 604A.625— Investigation of applicant; notice; hearing; order
  • NRS 604A.630— Procedure upon denial of license
  • NRS 604A.635— Issuance of license; display of license; issuance of additional licenses for branch locations; contents of license; license not transferable or assignable
  • NRS 604A.640— Expiration, renewal and reinstatement of license; fees
  • NRS 604A.645— Change of control of licensee: Notice; application to Commissioner
  • NRS 604A.650— Licensee must conduct business in accordance with license; approval of business name; prohibition against using misleading or confusing business name or printed forms
  • NRS 604A.655— Restrictions on location where licensee may conduct business; requirements to conduct business at same location as mortgage company or pawnbroker
  • NRS 604A.660— Change of address by licensee: Notice; approval by Commissioner; penalty for failure to provide required notice
  • NRS 604A.665— Commissioner authorized to take action to participate in Registry; charges for use; regulations; provisions do not affect authority of Commissioner regarding licensing
  • NRS 604A.670— Submission and processing of fingerprints
  • NRS 604A.675— Commissioner to report information to Registry; confidentiality of information provided; Commissioner authorized to enter into certain agreements and arrangements
  • NRS 604A.680— Additional materials to be submitted to Registry
  • NRS 604A.685— Licensee required to register and maintain unique identifier; Commissioner authorized to issue license through Registry; references to Commissioner deemed references to Registry
  • NRS 604A.700— Required books and records
  • NRS 604A.0703— “High-interest loan” defined
  • NRS 604A.0705— “High-interest loan service” defined
  • NRS 604A.710— Investigation of businesses; examination of books and records by Commissioner
  • NRS 604A.720— Authority of Commissioner to require attendance of witnesses and production of books and records
  • NRS 604A.730— Annual examinations by Commissioner; exceptions
  • NRS 604A.740— Fees for regulatory activities; penalties for failure to pay fees
  • NRS 604A.750— Annual report by licensee; composite reports; Commissioner may require additional reports
  • NRS 604A.760— Fees for failure to submit reports
  • NRS 604A.800— Temporary suspension of license: Conditions; notice; hearing; terms of suspension
  • NRS 604A.810— Order to desist and refrain; action to enjoin violation; appointment of receiver
  • NRS 604A.820— Procedure for taking disciplinary action; authorized disciplinary action; grounds
  • NRS 604A.830— Additional grounds for disciplinary action
  • NRS 604A.840— Surrender of license by licensee; effect of surrender
  • NRS 604A.850— Preexisting contracts unaffected by revocation, suspension, expiration or surrender of license
  • NRS 604A.900— Remedies for certain willful violations
  • NRS 604A.910— Administrative fines for unlicensed activity
  • NRS 604A.920— Other remedies for unlicensed activity
  • NRS 604A.930— Civil action
  • NRS 604A.940— Exercise of jurisdiction over party to civil action; service of summons to confer jurisdiction
  • NRS 604A.5011— Licensee required to make determination of ability of customer to repay loan and compliance of loan with certain requirements before making loan
  • NRS 604A.5012— Written loan agreement required; contents
  • NRS 604A.5014— Requirements for collection of defaulted loan; civil action to collect debt; venue
  • NRS 604A.5015— Practices regarding customers who are members of military
  • NRS 604A.5016— Provision of information and materials concerning public assistance and services
  • NRS 604A.5017— Limitation regarding amount of loan
  • NRS 604A.5018— Prohibited acts by licensee regarding multiple loans to same customer
  • NRS 604A.5021— Prohibited acts by licensee: Improper lending and collection practices; deceptive trade practices; false, misleading and deceptive advertising; reinitiating certain transactions; using agent, affiliate or subsidiary to avoid requirements or prohibitions of chapter
  • NRS 604A.5023— Rescission of loan by customer
  • NRS 604A.5024— Payment of loan in full
  • NRS 604A.5025— Partial payment on loan
  • NRS 604A.5026— Extended payment plan: Customer eligibility; requirements; restrictions; default
  • NRS 604A.5027— Repayment plan
  • NRS 604A.5029— Limitations on using proceeds of new deferred deposit loan or high-interest loan to pay balance of outstanding deferred deposit loan; exceptions
  • NRS 604A.5031— Limitations on fees licensee may collect for check not paid upon presentment or failure of electronic transfer of money; standards for civil liability and criminal prosecution
  • NRS 604A.5033— Receipt required for each payment by customer; contents
  • NRS 604A.5034— Requirements regarding person acting as agent or assisting in making loan
  • NRS 604A.5035— Determination of whether loan is high-interest loan
  • NRS 604A.5037— Limitations on original term
  • NRS 604A.5038— Licensee required to make determination of ability of customer to repay loan and compliance of loan with certain requirements before making loan
  • NRS 604A.5041— Requirements for collection of defaulted loan; civil action to collect debt; venue
  • NRS 604A.5042— Provision of information and materials concerning public assistance and services
  • NRS 604A.5043— Practices regarding customers who are members of military
  • NRS 604A.5045— Limitation regarding amount of loan
  • NRS 604A.5046— Prohibited acts by licensee regarding multiple loans to same customer
  • NRS 604A.5048— Prohibited acts by licensee: Accepting collateral or other types of security; failing to make certain disclosures; taking incomplete instruments; requiring the purchase of insurance or other goods or services; failing to comply with payment plan; charging fee to cash certain checks
  • NRS 604A.5049— Prohibited acts by licensee: Improper lending and collection practices; deceptive trade practices; false, misleading and deceptive advertising; reinitiating certain transactions; using agent, affiliate or subsidiary to avoid requirements or prohibitions of chapter
  • NRS 604A.5052— Payment of loan in full
  • NRS 604A.5053— Partial payment on loan
  • NRS 604A.5055— Repayment plan
  • NRS 604A.5057— Limitations on using proceeds of new deferred deposit loan or high-interest loan to pay balance of outstanding high-interest loan; exceptions
  • NRS 604A.5058— Limitations on amounts licensee may collect after default
  • NRS 604A.5061— Limitations on fees licensee may collect for check not paid upon presentment or failure of electronic transfer of money; standards for civil liability and criminal prosecution
  • NRS 604A.5063— Receipt required for each payment by customer; contents
  • NRS 604A.5064— Requirements regarding person acting as agent or assisting in making loan
  • NRS 604A.5065— Licensee required to make determination of ability of customer to repay loan and compliance of loan with certain requirements before making loan
  • NRS 604A.5067— Written loan agreement required; contents
  • NRS 604A.5068— Requirements for collection of defaulted loan; civil action to collect debt; venue
  • NRS 604A.5071— Prohibited acts by licensee: Accepting certain collateral or other types of security; failing to make certain disclosures; taking incomplete instruments; requiring the purchase of insurance or other goods or services; failing to comply with payment plan; charging fee to cash certain checks
  • NRS 604A.5072— Prohibited acts by licensee: Improper lending and collection practices; deceptive trade practices; false, misleading and deceptive advertising; reinitiating certain transactions; using agent, affiliate or subsidiary to avoid requirements or prohibitions of chapter
  • NRS 604A.5074— Restrictions on duration of loan and periods of extension
  • NRS 604A.5076— Prohibited acts by licensee regarding amount of loan, ownership of vehicle and customer’s ability to repay loan
  • NRS 604A.5078— Applicability of Uniform Commercial Code; repossession of vehicle; civil action
  • NRS 604A.5079— Rescission of loan by customer
  • NRS 604A.5081— Partial payment on loan
  • NRS 604A.5083— Repayment plan
  • NRS 604A.5085— Limitations on amounts licensee may collect after default
  • NRS 604A.5086— Limitations on fees licensee may collect for check not paid upon presentment or failure of electronic transfer of money; standards for civil liability and criminal prosecution
  • NRS 604A.5088— Receipt required for each payment by customer; contents
  • NRS 604A.5089— Requirements regarding person acting as agent or assisting in making loan
  • NRS 604A.5092— Prohibited acts by licensee: Improper practices; deceptive trade practices; using agent, affiliate or subsidiary to avoid requirements or prohibitions of chapter
  • NRS 604A.5094— Limitations on fees licensee may collect for check not paid upon presentment or failure of electronic transfer of money; standards for civil liability and criminal prosecution
  • NRS 604A.5983— Prohibited annual percentage rates
  • NRS 604A.5985— Required disclosures
  • NRS 604A.5987— Prohibited terms of consumer credit to covered service member
  • NRS 604A.50705— Provision of information and materials concerning public assistance and services