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Nevada Revised Statutes (Last Updated: December 24, 2014) |
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TITLE52 TRADE REGULATIONS AND PRACTICES |
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CHAPTER604A. Deferred Deposit Loans, High-Interest Loans, Title Loans and Check-Cashing Services |
| GENERAL PROVISIONS |
| NRS 604A.010. Definitions. |
| NRS 604A.015. “Automated loan machine” defined. |
| NRS 604A.020. “Cashing” defined. |
| NRS 604A.025. “Check” defined. |
| NRS 604A.030. “Check-cashing service” defined. |
| NRS 604A.035. “Commissioner” defined. |
| NRS 604A.040. “Customer” defined. |
| NRS 604A.045. “Default” defined. |
| NRS 604A.050. “Deferred deposit loan” defined. |
| NRS 604A.055. “Deferred deposit loan service” defined. |
| NRS 604A.060. “Electronic transfer of money” defined. |
| NRS 604A.065. “Extension” defined. |
| NRS 604A.070. “Grace period” defined. |
| NRS 604A.0703. “High-interest loan” defined. |
| NRS 604A.0705. “High-interest loan service” defined. |
| NRS 604A.075. “Licensee” defined. |
| NRS 604A.080. “Loan” defined. |
| NRS 604A.085. “Refund anticipation loan” defined. |
| NRS 604A.090. “Regulation Z” defined. |
| NRS 604A.105. “Title loan” defined. |
| NRS 604A.110. “Title loan service” defined. |
| NRS 604A.115. “Title to a vehicle” or “title” defined. |
| NRS 604A.120. “Truth in Lending Act” defined. |
| NRS 604A.125. “Vehicle” defined. |
| NRS 604A.150. Additional terms defined under federal law; calculation of amount financed, annual percentage rate and finance charge. |
| SCOPE AND APPLICABILITY |
| NRS 604A.200. Application of chapter to persons who seek to evade its provisions. |
| NRS 604A.210. Chapter does not prohibit licensee from offering customer grace period. |
| NRS 604A.220. Uniformity of application and construction; resolution of conflicts. |
| NRS 604A.230. Effect of amendment or repeal of chapter on preexisting lawful contracts. |
| NRS 604A.240. Collection of loans made outside State. |
| NRS 604A.250. Exemptions from chapter. |
| NRS 604A.260. Applicability of enforcement provisions of chapter. |
| ADMINISTRATION |
| NRS 604A.300. Regulations. |
| NRS 604A.310. Certain relationships between employees of Division of Financial Institutions and licensees prohibited; duty to terminate prohibited relationships. |
| REGULATION OF BUSINESS PRACTICES |
| NRS 604A.400. Unlawful acts; criminal penalties. |
| NRS 604A.402. Commissioner required to investigate alleged violations of chapter. |
| NRS 604A.405. Required notices and disclosures. |
| NRS 604A.407. Determination of whether loan is high-interest loan. |
| NRS 604A.408. Limitations on original term of deferred deposit and high-interest loans. |
| NRS 604A.410. Written loan agreement required; contents. |
| NRS 604A.415. Collection of defaulted loan; civil action to collect debt; venue. |
| NRS 604A.420. Practices regarding customers who are members of military. |
| NRS 604A.425. Prohibited acts by licensee regarding amount of loan. |
| NRS 604A.430. Prohibited acts by licensee regarding multiple loans to same customer. |
| NRS 604A.442. Violation of federal law constitutes violation of chapter. |
| NRS 604A.445. Title loans: Restrictions on duration of loan and periods of extension. |
| NRS 604A.450. Title loans: Prohibited acts by licensee regarding amount of loan and customer’s ability to repay loan. |
| NRS 604A.455. Title loans: Applicability of Uniform Commercial Code; repossession of vehicle; civil action. |
| NRS 604A.460. Rescission of loan by customer. |
| NRS 604A.465. Payment of loan in full. |
| NRS 604A.470. Partial payment on loan. |
| NRS 604A.475. Repayment plan. |
| NRS 604A.480. Limitations on using proceeds of new loan to pay balance of outstanding loan; exceptions. |
| NRS 604A.485. Limitations on amounts licensee may collect after default. |
| NRS 604A.487. Limitations on fees licensees may charge after default on installment payments. |
| NRS 604A.490. Limitations on fees licensee may collect for check not paid upon presentment or failure of electronic transfer of money; standards for civil liability and criminal prosecution. |
| NRS 604A.495. Receipt required for each payment by customer; contents. |
| NRS 604A.500. Requirements regarding person acting as agent or assisting in making loan. |
| LICENSING |
| NRS 604A.600. Application for license. |
| NRS 604A.605. Additional materials to be submitted with application; grounds for denial of license. |
| NRS 604A.610. Surety bond. |
| NRS 604A.615. Deposit of securities in lieu of surety bond. |
| NRS 604A.620. Application for license for office or other place of business located outside State. |
| NRS 604A.625. Investigation of applicant; notice; hearing; order. |
| NRS 604A.630. Procedure upon denial of license. |
| NRS 604A.635. Issuance of license; display of license; issuance of additional licenses for branch locations; contents of license; license not transferable or assignable. |
| NRS 604A.640. Expiration, renewal and reinstatement of license; fees. |
| NRS 604A.645. Change of control of licensee: Notice; application to Commissioner. |
| NRS 604A.650. Licensee must conduct business in accordance with license; approval of business name; prohibition against using misleading or confusing business name or printed forms. |
| NRS 604A.655. Restrictions on location where licensee may conduct business; requirements to conduct business at same location as mortgage broker, mortgage banker or pawnbroker. |
| NRS 604A.660. Change of address by licensee: Notice; approval by Commissioner; penalty for failure to provide required notice. |
| RECORDS, REPORTS AND EXAMINATIONS |
| NRS 604A.700. Required books and records. |
| NRS 604A.710. Investigation of businesses; examination of books and records by Commissioner. |
| NRS 604A.720. Authority of Commissioner to require attendance of witnesses and production of books and records. |
| NRS 604A.730. Annual examinations by Commissioner; exceptions. |
| NRS 604A.740. Fees for regulatory activities; penalties for failure to pay fees. |
| NRS 604A.750. Annual report by licensee; composite reports. |
| NRS 604A.760. Fees for failure to submit reports. |
| DISCIPLINARY ACTION |
| NRS 604A.800. Temporary suspension of license: Conditions; notice; hearing; terms of suspension. |
| NRS 604A.810. Order to desist and refrain; action to enjoin violation; appointment of receiver. |
| NRS 604A.820. Procedure for taking disciplinary action; authorized disciplinary action; grounds. |
| NRS 604A.830. Additional grounds for disciplinary action. |
| NRS 604A.840. Surrender of license by licensee; effect of surrender. |
| NRS 604A.850. Preexisting contracts unaffected by revocation, suspension, expiration or surrender of license. |
| REMEDIES AND PENALTIES |
| NRS 604A.900. Remedies for certain willful violations. |
| NRS 604A.910. Administrative fines for unlicensed activity. |
| NRS 604A.920. Other remedies for unlicensed activity. |
| NRS 604A.930. Civil action. |
| NRS 604A.940. Exercise of jurisdiction over party to civil action; service of summons to confer jurisdiction. |