General Provisions

General Provisions

§ 75-17-1. Legal rates of interest and finance charges
§ 75-17-3. Evasion of six percent interest law; interest forfeited if higher rate secretly exacted
§ 75-17-5. Discount, interest, bank issues
§ 75-17-7. Interest on judgments and decrees
§ 75-17-9. Partial payments applied
§ 75-17-11. Rate of interest, amount of finance charge or rate of finance charge where specified to be paid at period of less than one year; payment earlier than final maturity; computation of interest upon prepayment of note; usurious rates; notes containing final balloon payment
§ 75-17-13. Liability for issuance of unsolicited credit cards; penalty for collection of excessive finance charge
§ 75-17-15. Small Loan Regulatory Law and Small Loan Privilege Tax Law Licensees; default charge; application of payments
§ 75-17-17. Law governing loans made or credit extended prior to July 1, 1974
§ 75-17-19. Finance charges for credit extended pursuant to revolving charge agreement; annual fees for membership in credit card plan; late payment charges; billing and collection of finance charges; finance charges for closed end credit sales; issuer and debtor may agree to certain terms; 30-day’s notice to debtor of any modification of terms
§ 75-17-21. Maximum finance charges by licensees under Small Loan Regulatory Law and Small Loan Privilege Tax Law; lender option to use rates under this section or Section 75-67-181
§ 75-17-23. Maximum finance charges in connection with sales of factory manufactured moveable homes
§ 75-17-25. Meaning of “finance charge”; exclusion of prepayment penalties and default charges; effect of excessive finance charge
§ 75-17-27. Late payment charges
§ 75-17-29. Prohibition against use of multiple agreements to obtain excessive finance charge
§ 75-17-31. Limitations on prepayment penalties with respect to loans for certain real estate
§ 75-17-33. Announcement of discount rates and indices by Commissioner of Banking and Consumer Finance; recording of maximum finance charge rates
§ 75-17-35. Computation of interest on refunds of excess rates by public utilities

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