GroundRules
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- IC 37-2-2-29.5 · "Merchandise certificate"
- IC 37-2-2-30 · "Mortgage loan originator"
- IC 37-2-2-31 · "Mortgage servicer"
- IC 37-2-2-32 · "Mortgage transaction"
- IC 37-2-2-33 · "Nationwide Multistate Licensing System and Registry"; "Nationwide Mortgage Licensing System and Registry"; or "NMLSR"
- IC 37-2-2-34 · "Nontraditional mortgage product"
- IC 37-2-2-35 · "Official fees"
- IC 37-2-2-36 · "Organization"
- IC 37-2-2-37 · "Payable in installments"
- IC 37-2-2-38 · "Person"
- IC 37-2-2-39 · "Person related to" with respect to an individual
- IC 37-2-2-40 · "Person related to" with respect to an organization
- IC 37-2-2-40.5 · "Principal"
- IC 37-2-2-41 · "Presumed"; "presumption"
- IC 37-2-2-42 · "Real estate brokerage activity"
- IC 37-2-2-43 · "Registered mortgage loan originator"
- IC 37-2-2-44 · "Regularly engaged"
- IC 37-2-2-44.5 · "Residential real estate"
- IC 37-2-2-44.7 · "Revolving charge account"
- IC 37-2-2-45 · "Revolving loan account"
- IC 37-2-2-45.1 · "Sale of an interest in land"
- IC 37-2-2-45.3 · "Sale of goods"
- IC 37-2-2-45.5 · "Sale of services"
- IC 37-2-2-45.7 · "Seller"
- IC 37-2-2-46 · "Seller credit card"
- IC 37-2-2-46.5 · "Services"
- IC 37-2-2-46.7 · "Skip-a-payment service"
- IC 37-2-2-47 · "Subordinate lien mortgage transaction"
- IC 37-2-2-47.3 · "Supervised lender"
- IC 37-2-2-47.5 · "Supervised loan"
- IC 37-2-2-48 · "Unique identifier"
- IC 37-2-3-1 · Application
- IC 37-2-3-2 · "Precomputed"
- IC 37-2-3-3 · Stated cash price presumed to be the cash price
- IC 37-2-3-4 · Credit service charge for consumer credit sales; sales agreements entered into after June 30, 2020; precomputed sales prohibited; nonrefundable prepaid finance charge authorized; revolving charge accounts; subterfuge by seller; applicability of criminal loansharking statute
- IC 37-2-3-5 · Permitted additional charges; skip-a-payment services; expedited payment services; GAP agreements
- IC 37-2-3-6 · Delinquency charges
- IC 37-2-3-7 · Deferral charges
- IC 37-2-3-8 · Credit service charge on refinancing
- IC 37-2-3-9 · Credit service charge on consolidation
- IC 37-2-3-10 · Advances to perform covenants of buyer
- IC 37-2-3-11 · Right to prepay without penalty; payoff statement; liability for failure to provide; short sales; foreclosed property; no protection from deficiency judgment
- IC 37-2-3-12 · Rebate upon prepayment
- IC 37-2-3-13 · Disclosures required by Consumer Credit Protection Act; exempt transactions
- IC 37-2-3-14 · Use of multiple agreements
- IC 37-2-3-15 · Balloon payments
- IC 37-2-3-16 · Restriction on liability in consumer lease
- IC 37-2-3-17 · Security interests
- IC 37-2-3-18 · Leasing of live domestic animals prohibited
- IC 37-2-3-19 · Cross-collateral
- IC 37-2-3-20 · Debt secured by cross-collateral
- IC 37-2-3-21 · No assignment of earnings
- IC 37-2-3-22 · Referral sales
- IC 37-2-3-23 · Notice of assignment
- IC 37-2-3-24 · Attorney's fees
- IC 37-2-3-25 · Limitation on default charges
- IC 37-2-3-26 · Authorization to confess judgment prohibited
- IC 37-2-3-27 · Creditor's duty to credit payment as of date of receipt; payments not conforming to requirements; creditor's failure to credit payment
- IC 37-2-3-28 · Buyer's right to cancel
- IC 37-2-3-29 · Sale subject to article by agreement of parties
- IC 37-2-3-30 · Credit service charges with respect to consumer related sales; annual notice to department not required
- IC 37-2-3-31 · Applicability of other provisions to consumer related sales
- IC 37-2-3-32 · Limitation on default charges in consumer related sales
- IC 37-2-3-33 · Credit service charge for other sales
- IC 37-2-4-0.1 · Application of certain amendments
- IC 37-2-4-1 · Application
- IC 37-2-4-2 · "Consumer loan"; first lien mortgage transaction not included
- IC 37-2-4-3 · "Precomputed"
- IC 37-2-4-4 · 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 loansharking statute
- IC 37-2-4-5 · Permitted additional charges; skip-a-payment services; expedited payment services; debt cancellation agreements; insurance; GAP agreements
- IC 37-2-4-6 · Delinquency charges; conversion of precomputed loan to loan with finance charge based on unpaid balances
- IC 37-2-4-7 · Deferral charges
- IC 37-2-4-8 · Loan financing charge on refinancing
- IC 37-2-4-9 · Loan finance charge on consolidation
- IC 37-2-4-10 · Conversion to revolving loan account
- IC 37-2-4-11 · Advances to perform covenants of debtor
- IC 37-2-4-12 · Right to prepay; prepayment penalty; total finance charge; payoff statement; liability for failure to provide; short sales; foreclosed property; no protection from deficiency judgment
- IC 37-2-4-13 · Rebate upon prepayment
- IC 37-2-4-14 · Disclosures prohibited by Consumer Credit Protection Act; exempt transactions
- IC 37-2-4-15 · Balloon payments; compliance with Alternative Mortgage Transaction Parity Act
- IC 37-2-4-16 · No assignment of earnings
- IC 37-2-4-17 · Attorney's fees
- IC 37-2-4-18 · Limitation on default charges
- IC 37-2-4-19 · Notice of assignment
- IC 37-2-4-20 · Authorization to confess judgment prohibited
- IC 37-2-4-21 · Creditor's duty to credit payment as of date of receipt; payments not conforming to requirements; creditor's failure to credit payment
- IC 37-2-4-22 · Persons also engaging in activities of a loan broker; examination by department; cooperation with securities division
- IC 37-2-4-23 · 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
- IC 37-2-4-24 · 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
- IC 37-2-4-25 · 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
- IC 37-2-4-26 · Application for licenses; issuance; evidence of compliance; use of NMLSR; denial of application; right to hearing; fees; license not assignable or transferrable; tax warrant list
- IC 37-2-4-27 · National criminal history background check; fingerprints; payment of fees or costs; use of NMLSR
- IC 37-2-4-28 · Credit reports; payment of fees or costs; demonstrated financial responsibility; considerations
- IC 37-2-4-29 · Surety bond for creditors engaged in mortgage transactions; requirements; amount; termination; liability; notices
- IC 37-2-4-30 · 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
- IC 37-2-4-31 · License renewal; revocation or suspension of license not renewed; reinstatement of appeal; correcting amendments
- IC 37-2-4-32 · Suspension or revocation of license; order to show cause; order of suspension or revocation; relinquishment of license; preexisting contracts; emergency order for revocation
- IC 37-2-4-33 · 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
- IC 37-2-4-34 · Automated loan machines
- IC 37-2-4-35 · 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