{"data":{"id":"us-sd/sdcl-54-4-44.1","jurisdiction":"us-sd","citation":"SDCL § 54-4-44.1","heading":"Device, subterfuge, or pretense to evade maximum finance charge prohibited--Penalties.","body":"No person may engage in any device, subterfuge, or pretense to evade the requirements of § 54-4-44, including, but not limited to, making loans disguised as a personal property sale and leaseback transaction; disguising loan proceeds as a cash rebate for the pretextual installment sale of goods or services; or making, offering, assisting, or arranging a debtor to obtain a loan with a greater rate of interest, consideration, or charge than is permitted by this chapter through any method including mail, telephone, internet, or any electronic means regardless of whether the person has a physical location in the state. Notwithstanding any other provision of this chapter, a violation of this section is subject to the penalties in § 54-4-44.","path":["TITLE 54. DEBTOR AND CREDITOR","CHAPTER 54-4. MONEY LENDING LICENSES"],"source_url":"https://sdlegislature.gov/Statutes/54-4-44.1","current_through":"2026-08-31","vintage":"","retrieved_at":"2026-09-03T15:18:57Z","sha256":"71075adcd50939157536e5b8f60fdf8c449f0a6417458d20c60ade84257c3f6a","source_id":"us-sd","stale":true,"prev":"us-sd/sdcl-54-4-44","next":"us-sd/sdcl-54-4-44.2"},"notice":"GroundRules: Original legal text. Not legal advice."}