GENERAL PROVISIONS

NRS 677.010. Short title.

NRS 677.020. Definitions.

NRS 677.030. “Amount of cash advance” defined.

NRS 677.040. “Amount of loan obligation” defined.

NRS 677.050. “Borrowings” defined.

NRS 677.060. “Charges” defined.

NRS 677.065. “Commissioner” defined.

NRS 677.070. “Community” defined.

NRS 677.075. “Deposit” defined.

NRS 677.090. “Gross amount” defined.

NRS 677.100. “License” defined.

NRS 677.110. “Licensee” defined.

NRS 677.115. “Loan” defined.

NRS 677.125. “Stockholders’ equity” defined.

NRS 677.130. “Thrift certificate” defined.

NRS 677.140. “Unpaid principal balance” defined.

NRS 677.145. Certain relationships between employee of Division of Financial Institutions and licensee prohibited; termination of prohibited relationship.

NRS 677.147. Applicability of chapters 78 and 92A of NRS.

FORMATION

NRS 677.150. Authorization by Commissioner.

NRS 677.160. Application for authority to engage in business: Form; contents; filing fee; regulations; withdrawal of application.

NRS 677.170. Fidelity bond.

NRS 677.175. Additional bond.

NRS 677.180. Investigation and examination of applicant.

NRS 677.190. Requisites for approval of application.

NRS 677.200. Qualifications of president and certain managers of corporation.

NRS 677.210. Minimum stockholders’ equity required.

NRS 677.220. Certificate of authorization to transact business.

NRS 677.230. Reserves.

NRS 677.240. Authorization for change of place of business.

PROTECTION OF INVESTORS

NRS 677.241. Power of licensee to obtain benefits of federal programs.

NRS 677.243. Records of employees; confidentiality.

NRS 677.245. Limitation on investment in real property; recording deed or other document; subsidiary ledger or other appropriate record.

NRS 677.247. Applicant required to obtain insurance of deposits; regulations.

BRANCH OFFICES

NRS 677.250. Establishment and maintenance.

NRS 677.270. Requisites for approval of application; notice of approval or denial.

NRS 677.290. Right to open branch office expires if office not open within 6 months after approval of application.

NRS 677.300. Authorization for change of location; posting of certificate.

NRS 677.310. Specified designation of branch offices by name or number required.

NRS 677.320. Closing or discontinuance of branch office.

NRS 677.330. Mobile offices.

LICENSING

NRS 677.340. Persons ineligible for licensing.

NRS 677.350. Applicability of chapter to persons who seek to evade.

NRS 677.355. Licensee may own interest in bank or savings and loan association.

NRS 677.360. Expiration, renewal and reinstatement of license; fees; regulations.

NRS 677.370. Posting of license; transferability and assignability of license.

NRS 677.373. Application for license: Additional requirements; fingerprints; grounds for refusal to issue license.

NRS 677.375. Suspension or revocation of license: Additional grounds.

ADMINISTRATION AND ENFORCEMENT

Generally

NRS 677.380. Regulations and orders of Commissioner.

NRS 677.390. Disposition of money collected pursuant to chapter.

Reports, Examinations and Audits

NRS 677.400. Annual report by licensee; composite reports.

NRS 677.410. Preparation of annual reports and financial statements; special reports; extensions; removal of qualification.

NRS 677.420. Notification of change in ownership of stock; application for approval after certain acquisitions; investigation; costs; waiver.

NRS 677.430. Commissioner to examine licensee’s business at least annually; fee.

NRS 677.435. Independent audit and examination: Payment of assessment; cooperation.

NRS 677.440. Authority of Commissioner to investigate business; free access required; compelling attendance of witnesses.

NRS 677.450. Authority of Commissioner to require attendance of witnesses and production of documents.

NRS 677.460. Charging off assets; regulations and orders.

NRS 677.470. Licensee to pay costs of audit of books and records.

Remedial Actions

NRS 677.480. Order of Commissioner directing discontinuance of unsafe or injurious practice.

NRS 677.490. Surrender of license by licensee; surrender as affecting licensee’s liability.

NRS 677.500. Temporary suspension of license: Conditions; notice; hearing; term of suspension.

NRS 677.510. Revocation or suspension of license: Grounds; notice; hearing; order.

NRS 677.520. Preexisting contracts unaffected by revocation, suspension, expiration or surrender of license.

NRS 677.530. Order to desist or refrain; action to enjoin violations; appointment and powers of receiver.

NRS 677.540. Taking possession of business by Commissioner: Conditions; resumption of business.

NRS 677.545. Taking possession of business by Commissioner: Acquisition by or merger with another institution.

NRS 677.550. Order suspending or limiting payment of liabilities; effect of order; assignment or hypothecation of indebtedness.

NRS 677.560. Application by licensee to enjoin further proceedings.

NRS 677.570. Authority of Commissioner to liquidate or conserve company.

GENERAL REGULATIONS

NRS 677.580. Use of holding company or other device for evading or avoiding chapter prohibited; right to issue preferred stock or debentures not affected.

NRS 677.590. Issuance of thrift certificates prohibited; exception.

NRS 677.600. Permissible depositories.

NRS 677.610. Authorized investments.

NRS 677.612. Authority to accept deposit by fiduciary in trust; payment to fiduciary of withdrawal value and interest.

NRS 677.616. Deposit by and payment to minor.

NRS 677.620. Limit on deposits; limit on total borrowings; borrowing money from Federal Home Loan Bank.

NRS 677.630. Permissible transactions in real property.

NRS 677.640. Conduct of business in place where other business being conducted; name under which business may be transacted; loans by mail.

NRS 677.645. Use or change of business name; prohibitions.

NRS 677.650. Making loan to or purchasing contract or chose in action from officer, director or other specified person prohibited; exception; personal liability.

NRS 677.660. Advertising: Prohibitions; insurance of deposits.

NRS 677.665. Formation of bank.

EXPLOITATION OF OLDER PERSONS OR VULNERABLE PERSONS

NRS 677.673. Definitions.

NRS 677.677. “Designated reporter” defined.

NRS 677.683. “Exploitation” defined.

NRS 677.687. “Older person” defined.

NRS 677.693. “Reasonable cause to believe” defined.

NRS 677.697. “Vulnerable person” defined.

NRS 677.703. Training; reporting to designated reporter.

NRS 677.707. Designated reporter: Designation; duty to report; immunity.

LOANS; POWERS AND PRIVILEGES

NRS 677.720. Requirements for making and paying of loans: Duties of licensee.

NRS 677.730. Interest, charges and repayment.

NRS 677.750. Prohibited practices by licensee.

NRS 677.760. Restriction on percentage of loans secured by stocks or bonds of any one obligor; exception.

NRS 677.770. Limitations on amount of secured loans or obligations of any one obligor.

NRS 677.780. Loans may be made to any person; exceptions; property situated outside of State.

NRS 677.790. Powers of licensee.

NRS 677.795. Authority to exercise powers of banks.

UNLAWFUL ACTS; PENALTIES

NRS 677.800. Violation of provisions of chapter.

NRS 677.805. Administrative fines.

NRS 677.810. Receiving certain compensation or property; making false entry in books or records; embezzlement.

NRS 677.820. Fraudulent insolvency; malfeasance of directors.

NRS 677.830. Making loan or purchasing contract in violation of chapter.

NRS 677.840. Deposit of company’s money on condition of loan or advance.

NRS 677.850. Accepting deposits with knowledge of insolvency of company or violation of chapter.