{"data":{"id":"us-wy/wyo.-stat.-40-14-410","jurisdiction":"us-wy","citation":"Wyo. Stat. § 40-14-410","heading":"Charge for insurance in connection with a deferral, refinancing, or consolidation; duplicate charges.","body":"(a) A creditor may not contract for or receive a separate charge for insurance in connection with a deferral (W.S. 40-14-215 or 40-14-313), a refinancing (W.S. 40-14-216 or 40-14-314), or a consolidation (W.S. 40-14-217 or 40-14-315), unless:\n(i) The debtor agrees at or before the time of the deferral, refinancing, or consolidation that the charge may be made;\n(ii) 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;\n(iii) 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 (W.S. 40-14-408); and\n(iv) The charge does not exceed the amount permitted by this article (W.S. 40-14-407).\n(b) 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.","path":["TITLE 40 - TRADE AND COMMERCE","CHAPTER 14 - WYOMING UNIFORM CONSUMER CREDIT CODE","ARTICLE 4 - INSURANCE"],"source_url":"https://wyoleg.gov/statutes/compress/title40.pdf","current_through":"2026 Budget Session; as of 2026-07-01","vintage":"","retrieved_at":"2026-09-04T00:16:32Z","sha256":"61e129dcec830eb05a7a977f831ada1f47cb2494a0532bec994e92254c1fa699","source_id":"us-wy","stale":false,"prev":"us-wy/wyo.-stat.-40-14-409","next":"us-wy/wyo.-stat.-40-14-411"},"notice":"GroundRules: Original legal text. Not legal advice."}