Okla. Stat. tit. 14A, § 14A-2-202: Additional charges

(1) In addition to the credit service charge permitted by this

part, a seller may contract for and receive the following additional

charges in connection with a consumer credit sale:

(a) official fees that are itemized and disclosed in

accordance with rules of the Administrator, reasonable

closing costs, and taxes;

(b) charges for insurance as described in subsection (2);

(c) charges for other benefits, including insurance,

conferred on the buyer, if the benefits are of value

to him and if the charges are reasonable in relation

to the benefits, are of a type which is not for

credit, and are excluded as permissible additional

charges from the credit service charge by rule adopted

by the Administrator; and

(d) charges to recover the costs associated with

processing applications, including but not limited to

cost of services such as credit reports and credit

investigations.

(2) An additional charge may be made for insurance written in

connection with the sale, other than insurance protecting the seller

against the buyer's default or other credit loss,

(a) with respect to insurance against loss of or damage to

property, or against liability, if the seller

furnishes a clear and specific statement in writing to

the buyer, setting forth the cost of the insurance if

obtained from or through the seller, and stating that

the buyer may choose the person through whom the

insurance is to be obtained; and

(b) with respect to consumer credit insurance providing

life, accident or health coverage, if the insurance

coverage is not a factor in the approval by the seller

of the extension of credit and this fact is clearly

disclosed in writing to the buyer, and if, in order to

obtain the insurance in connection with the extension

of credit, the buyer gives specific affirmative

written indication of his desire to do so after

written disclosure to him of the cost thereof.