Okla. Stat. tit. 14A, § 14A-4-110: Charge for insurance in connection with a deferral,

refinancing, or consolidation - Duplicate charges.

(1) A creditor may not contract for or receive a separate

charge for insurance in connection with a deferral (Section 2-204 or

Section 3-204), a refinancing (Section 2-205 or Section 3-205), or a

consolidation (Section 2-206 or Section 3-206), unless

(a) the debtor agrees at or before the time of the

deferral, refinancing, or consolidation that the

charge may be made;

(b) the debtor is or is to be provided with insurance for

an amount or a term, or insurance of a kind, in

addition to that to which he would have been entitled

had there been no deferral, refinancing, or

consolidation;

(c) the debtor receives a refund or credit on account of

any unexpired term of existing insurance in the amount

that would be required if the insurance were

terminated (Section 4-108); and

(d) the charge does not exceed the amount permitted by

this article (Section 4-107).

(2) A creditor may not contract for or receive a separate

charge for insurance which duplicates insurance with respect to

which the creditor has previously contracted for or received a

separate charge.