A licensee who makes a loan that constitutes consumer credit to a covered service member or his or her dependent shall not charge the covered service member or dependent an annual percentage rate with respect to the loan except as:
1. Agreed to under the terms of the written loan agreement entered into pursuant to NRS 604A.5012, 604A.504 or 604A.5067, as applicable;
2. Authorized by applicable state and federal law; and
3. Not specifically prohibited by NRS 99.050, 604A.5985 and 604A.5987.