Chapter 15 - Title Pledges

Chapter 15 - Title Pledges

§ 45-15-101. Short title.
§ 45-15-102. Purpose.
§ 45-15-103. Chapter definitions.
§ 45-15-104. Authority of licensed title pledge lenders.
§ 45-15-105. License required -- Loans made without license void.
§ 45-15-106. Eligibility requirements for license -- Application -- Fees -- Issuance or denial of license -- Hearing on denial -- Renewal -- Change in control of lender.
§ 45-15-107. Suspension or revocation of license.
§ 45-15-108. Rules and regulations -- Compliance examinations -- Preservation of books and records -- Reproduction and preservation of records -- Report by commissioner on rates and terms of loans.
§ 45-15-109. Notification to commissioner of changes -- Events requiring report to commissioner -- Biennial reports.
§ 45-15-110. Record of transactions required -- Required information printed on agreement -- Execution of agreement -- Liens.
§ 45-15-111. Rate of interest and charges -- Consumer notification and disclosure form.
§ 45-15-112. Right to redeem.
§ 45-15-113. Thirty-day agreements -- Renewal of agreements -- Right to cancel -- Fees and requirements for renewals.
§ 45-15-114. Twenty-day holding period -- Procedure for redemption or failure to redeem -- Loss of agreement by pledgor.
§ 45-15-115. Prohibited actions by lender.
§ 45-15-116. Safekeeping of titled personal property or personal property certificates of title -- Insurance coverage -- Damaged property.
§ 45-15-117. Violations.
§ 45-15-118. Actions authorized by commissioner for violations -- Consent orders -- Penalties -- Enforcement -- Emergency action -- Investigation of complaints -- Censure, suspension, or bar.
§ 45-15-119. Supersession of ordinances or resolutions of municipal corporations.
§ 45-15-120. Applicability of motor vehicle provisions.
§ 45-15-121. Licensing through multi-state automated licensing system.
§ 45-15-122. Agent for channeling information.
§ 45-15-123. Privacy or confidentiality of shared information.

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