{"data":{"id":"us-in/ic-37-3-1-2","jurisdiction":"us-in","citation":"IC 37-3-1-2","heading":"Applicability","body":"Sec. 2. This article applies to:\n(1) a lender;\n(2) a bank, savings association, credit union, or other state or federally regulated financial institution except those that are specifically exempt regarding limitations on interest rates and fees; or\n(3) a person, if the department determines that a transaction is:\n(A) in substance a disguised loan; or\n(B) the application of subterfuge for the purpose of avoiding this chapter.","path":["TITLE 37. CONSUMER LENDING","ARTICLE 3. SMALL LOANS","Chapter 1. General Provisions"],"source_url":"https://iga.in.gov/ic/2026/Title_37.html#37-3-1-2","current_through":"2026","vintage":"2026","retrieved_at":"2026-08-22T06:53:15Z","sha256":"cc824f66f2416692a23afbfc2b2258e6f3aa653d343c5c57c5b80edb24855e18","source_id":"us-in","stale":false,"prev":"us-in/ic-37-3-1-1","next":"us-in/ic-37-3-1-3"},"notice":"GroundRules: Original legal text. Not legal advice."}