Okla. Stat. tit. 14A, § 14A-4-104: Creditor's provision of and charge for insurance -

Excess amount of charge.

(1) Except as otherwise provided in this article and subject to

the provisions on additional charges (Section 2-202 and Section 3-

202) and maximum charges (Part 2 of Article 2 and Article 3), a

creditor may agree to provide insurance, and may contract for and

receive a charge for insurance separate from and in addition to

other charges. A creditor need not make a separate charge for

insurance provided or required by him. This act does not authorize

the issuance of any insurance prohibited under any statute, or rule

thereunder, governing the business of insurance.

(2) The excess amount of a charge for insurance provided for in

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

purposes of the provisions of the article on remedies and penalties

(Article 5) as to effect of violations on rights of parties (Section

5-202) and of the provisions of the article on administration

(Article 6) as to civil actions by the Administrator (Section 6-

113).