Okla. Stat. tit. 14A, § 14A-2-109: Definition: "Credit service charge"

"Credit service charge" means a finance charge composed of the

sum of

(1) all charges payable directly or indirectly by the buyer and

imposed directly or indirectly by the seller as an incident to the

extension of credit, including any of the following types of charges

which are applicable: time price differential, service, carrying or

other charge, however denominated, premium or other charge for any

guarantee or insurance protecting the seller against the buyer's

default or other credit loss; and

(2) charges incurred for investigating the collateral or credit

worthiness of the buyer or for commissions or brokerage for

obtaining the credit, irrespective of the person to whom the charges

are paid or payable, unless the seller had no notice of the charges

when the credit was granted. The term does not include charges as a

result of default, additional charges (Section 2-202), delinquency

charges (Section 2-203), deferral charges (Section 2-204), sellers

points or charges of a type payable in a comparable cash

transaction.