Okla. Stat. tit. 14A, § 14A-1-202: Exclusions

This act does not apply to

(1) Extensions of credit to government or governmental agencies

or instrumentalities;

(2) The sale of insurance by an insurer, except as otherwise

provided in the article on insurance (Article 4);

(3) Transactions under public utility or common carrier tariffs

if a subdivision or agency of this state or of the United States

regulates the charges for the services involved, the charges for

delayed payment and any discount allowed for early payment;

(4) Pawnbrokers engaging in pawn transactions as defined in the

Oklahoma Pawnshop Act; or

(5) Loans made to enable the debtor to build or purchase a

residence or to refinance such loan when made by a lender whose

loans are supervised by an agency of the United States or made by a

Federal Housing Administration approved mortgagee unless the loan is

made subject to this act by agreement (Section 3-601), and except as

provided with respect to disclosure (Section 3-301), debtors'

remedies (Section 5-201) and loan finance charges for other loans

(Section 3-605).