{"data":{"id":"us-ia/iowa-code-537.3305","jurisdiction":"us-ia","citation":"Iowa Code § 537.3305","heading":"No assignment of earnings.","body":"1. A creditor may not take an assignment of earnings of the consumer for payment or as security for payment of a debt arising out of a consumer credit transaction. An assignment of earnings in violation of this section is unenforceable by the assignee of the earnings and revocable by the consumer. This section does not prohibit a consumer from authorizing deductions in favor of a creditor if the authorization is revocable, the consumer is given a complete copy of the writing evidencing the authorization at the time the consumer signs it, and the writing contains on its face a conspicuous notice of the consumer’s right to revoke the authorization.\n2. A sale of unpaid earnings made in consideration of the payment of money to or for the account of the seller of the earnings is deemed to be a loan to the seller secured by an assignment of earnings.","path":["Title XIII - COMMERCE (Ch. 505 - 554I)","Chapter 537 - CONSUMER CREDIT CODE","Article 3 - REGULATION OF AGREEMENTS AND PRACTICES","Part 3 - LIMITATIONS ON AGREEMENTS AND PRACTICES"],"source_url":"https://www.legis.iowa.gov/docs/code/2026/537.3305.pdf","current_through":"Iowa Code 2026 edition","vintage":"","retrieved_at":"2026-09-14T19:40:14Z","sha256":"4f41d0c2e410e751553036f2ab2477055894304798e95cf198fd562b9fde8e3a","source_id":"us-ia","stale":false,"prev":"us-ia/iowa-code-537.3304","next":"us-ia/iowa-code-537.3306"},"notice":"GroundRules: Original legal text. Not legal advice."}