Okla. Stat. tit. 14A, § 14A-2-402: Use of multiple agreements

A seller may not use multiple agreements with intent to obtain a

higher credit service charge than would otherwise be permitted by

this article or to avoid disclosure of an annual percentage rate

pursuant to the provisions on disclosure and advertising (Part 3).

The excess amount of credit service charge provided for in

agreements in violation of this section is an excess charge for the

purposes of the provisions on the effect of violations on rights of

parties (Section 5-202) and the provisions on civil actions by

Administrator (Section 6-113).