Okla. Stat. tit. 59, § 59-3107: Nonpayment on account - Collection practices

A. A lender shall collect past-due accounts in a professional,

fair and lawful manner, in accordance with the federal Fair Debt

Collection Practices Act.

B. A lender shall not threaten or pursue criminal action

against a debtor as a result of the debtor’s instrument being

returned unpaid or the debtor’s deferred deposit loan account not

being paid.

C. A debtor shall not be subject to any criminal penalty if an

instrument is dishonored.