Okla. Stat. tit. 14A, § 14A-3-409: Use of multiple agreements

A lender may not use multiple agreements with intent to avoid

disclosure of an annual percentage rate pursuant to the provisions

on disclosure and advertising (Part 3). The excess amount of loan

finance 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.