| 408.010. | Silver a legal tender. |
| 408.015. | Definitions. |
| 408.020. | When no rate of interest is agreed upon, nine percent allowed as legal |
| | interest. |
| 408.030. | Interest, maximum rate allowed--penalty for overcharge, limitation on |
| | action for--"market rate" to be determined, when, how--discounting |
| | to financial organizations authorized. |
| 408.031. | Fee in lieu of interest may be charged on loan--exception. |
| 408.032. | Recording fees. |
| 408.035. | Unlimited interest, when allowed. |
| 408.036. | Prepayment penalty by lender prohibited, exception--maximum permitted, |
| | exceptions--return of moneys above maximum permitted. |
| 408.040. | Interest on judgments, how regulated--prejudgment interest allowed |
| | when, procedure. |
| 408.050. | Excess interest paid recoverable with costs and attorney fee. |
| 408.052. | Points prohibited, exception--penalties for illegal points--violation |
| | a misdemeanor--default charge authorized, when, exceptions. |
| 408.060. | Defendant may plead usury--judgment, how rendered--corporations cannot |
| | enter plea of usury. |
| 408.070. | Usurious interest--security agreement invalid. |
| 408.080. | Interest may be paid on interest--compounding limited to once a |
| | month--prohibited for certain loans. |
| 408.081. | Validity of certain existing contract not to be affected, when. |
| 408.083. | Credit contracts, prepayment before maturity, computation of interest. |
| 408.090. | Demand loans where only securities are pledged not subject to usury |
| | laws. |
| 408.092. | Attorney fees, enforcement of credit agreements, limitations. |
| 408.095. | Charging interest of more than two percent per month a misdemeanor, |
| | exceptions. |
| 408.096. | Loan arrangement, excess fee prohibited for certain |
| | transactions--penalty. |
| 408.100. | Applicability of section--rate of interest. |
| 408.105. | Precomputed loans, extensions, fee, limitations. |
| 408.110. | Short title--applicability of sections 408.120 to 408.190. |
| 408.120. | Interest computed and paid, how. |
| 408.130. | Borrower to receive statement of contract--contents--prepayment |
| | effect--receipts for payments. |
| 408.140. | Additional charges or fees prohibited, exceptions--no finance charges |
| | if purchases are paid for within certain time limit, exception. |
| 408.145. | Fees for credit cards issued in contiguous states. |
| 408.150. | Lender can not receive excess interest--failure by lender to return |
| | excess interest, damages allowed. |
| 408.160. | False advertising prohibited. |
| 408.170. | Contracts paid in full before due date--recomputations of |
| | interest--refund defined. |
| 408.175. | Interest rate when maturity of note or contract accelerated. |
| 408.178. | Deferral of monthly loan payments, fee authorized for certain loans. |
| 408.180. | Authority of director to verify interest rates charged. |
| 408.190. | Certain loans exempt from sections 408.120 to 408.180, and 408.200. |
| 408.193. | Credit cards, no derogatory reports to credit agencies for carrying a |
| | zero balance. |
| 408.200. | Borrower not to be indebted on two or more contracts with same |
| | lender, when. |
| 408.210. | Assignment of wages or compensation--excess over loan deemed interest. |
| 408.213. | Changes to certain sections remedial only. |
| 408.231. | Definitions. |
| 408.232. | Rates and terms. |
| 408.233. | Additional charges authorized. |
| 408.234. | Minimum amount of loan--collateral--prepayment rights, method of |
| | computation. |
| 408.235. | Director may examine certain lenders. |
| 408.236. | Recovery of interest barred, when, exceptions--actions taken or |
| | omitted in reliance on interpretation by division of finance, effect. |
| 408.237. | Applicability of sections 408.231 to 408.241. |
| 408.240. | Penalties--actions taken or omitted in reliance on written |
| | interpretation by division, effect. |
| 408.241. | Prepayment fee, second mortgage loans, allowed when. |
| 408.250. | Definitions. |
| 408.260. | Time contract, how executed--required contents--additional notes to |
| | cut off buyer's rights prohibited--waiver of buyer's legal remedies |
| | prohibited. |
| 408.270. | Retail time contracts negotiated by mail--delivery unnecessary--notice |
| | of insertions in blanks. |
| 408.280. | Insurance purchased to secure retail time contract, regulation. |
| 408.290. | Retail charge agreement--form--delivery to buyer--contents. |
| 408.300. | Time charges, amount authorized on retail time contracts--retail |
| | charge agreements, time charges authorized. |
| 408.310. | Assignments of retail time contracts and charge agreements--notice to |
| | buyer, effect. |
| 408.320. | Buyer may pay retail time contract debt before maturity--refund of |
| | charges. |
| 408.330. | Delinquency and collection charges permitted--insurance premium in |
| | lieu of perfecting security interest authorized--attorney |
| | fees--consolidation of contracts. |
| 408.340. | Applicability to prior transactions. |
| 408.350. | Waiver of provisions void. |
| 408.360. | Citation of law. |
| 408.365. | Acceleration clauses, repossession or confession of judgment by power |
| | of attorney, right of entry to repossess and waiver of damages from |
| | repossession provisions, prohibited. |
| 408.370. | Violation, penalty--effect on time and other charges--correction. |
| 408.375. | Retail installment agreement, deemed signed or accepted, when. |
| 408.380. | Sale of certain financial products and plans associated with certain |
| | loan transactions not prohibited. |
| 408.400. | Definitions. |
| 408.405. | Defenses or setoffs arising from transaction good against holder of |
| | security instrument, when. |
| 408.410. | Exempt transactions. |
| 408.415. | Chapter 400 is modified by provisions of sections 408.400 to 408.415. |
| 408.450. | (Repealed L. 2003 H.B. 221 § A merged with S.B. 346 § A) |
| 408.455. | Variable rate agreements subject to certain provisions. |
| 408.460. | (Repealed L. 2003 H.B. 221 § A merged with S.B. 346 § A) |
| 408.465. | (Repealed L. 2003 H.B. 221 § A merged with S.B. 346 § A) |
| 408.467. | (Repealed L. 2003 H.B. 221 § A merged with S.B. 346 § A) |
| 408.470. | (Repealed L. 2003 H.B. 221 § A merged with S.B. 346 § A) |
| 408.500. | Unsecured loans of five hundred dollars or less, licensure of lenders, |
| | interest rates and fees allowed--penalties for violations--cost |
| | of collection expenses--notice required, form. |
| 408.505. | Term of loans, charges permitted, repayment, return check charge. |
| 408.506. | Report to the general assembly, contents. |
| 408.510. | Licensure of consumer installment lenders--interest and fees allowed. |
| 408.550. | Discrimination prohibited--damages recoverable. |
| 408.551. | Applicability of sections 408.551 to 408.562--credit transaction |
| | defined. |
| 408.552. | Enforceability of default provisions. |
| 408.553. | Recovery limitation. |
| 408.554. | Notice of default, contents, form, delivery. |
| 408.555. | Acceleration, repossession and cancellation restricted--required |
| | procedures--borrower's right to cure. |
| 408.556. | Actions arising from default, contents of petition--default judgment |
| | requires sworn testimony--recovery of unpaid balances. |
| 408.557. | Notice required before deficiency action may be commenced. |
| 408.558. | Security interests not to be taken, when. |
| 408.560. | Unenforceable provisions in note or credit contract. |
| 408.562. | Damages recoverable for violation. |
| 408.570. | Definitions. |
| 408.575. | Denial of loans prohibited, when, reasons for. |
| 408.580. | Applications to be accepted--written reasons for rejection |
| | required--display of statute required--retention of |
| | records--rulemaking, procedure. |
| 408.585. | Limitation on requirements of sections 408.570 to 408.600. |
| 408.590. | Division directors to make determinations--regulations |
| | authorized--annual reports required, contents. |
| 408.592. | Nonsupervised financial institutions to report--contents of |
| | report--duties of director of division of finance. |
| 408.595. | Financial institutions to make other annual report, contents. |
| 408.600. | Division directors to enforce provisions of sections 408.570 to |
| | 408.600--complaints, how handled--hearings--remedies. |
| 408.653. | (Repealed L. 2003 H.B. 221 § A merged with S.B. 346 § A) |
| 408.654. | (Repealed L. 2003 H.B. 221 § A merged with S.B. 346 § A) |
| 408.675. | Citation of law--definitions. |
| 408.677. | Government access to records, when--requirements. |
| 408.680. | Financial institution may not disclose, exceptions, requirements. |
| 408.682. | Customer authorization, requirements. |
| 408.683. | Subpoena, government may obtain records with, when--procedure--notice |
| | required. |
| 408.685. | Delay of notice, allowed when--postdisclosure notice, form of. |
| 408.686. | Challenge to subpoena--procedure, appeals. |
| 408.687. | Financial institution to assemble records upon subpoena--delivery of |
| | records, when. |
| 408.689. | Transfer of records to additional agency, allowed when--notice. |
| 408.690. | Nonprohibited disclosure activities. |
| 408.692. | Law not applicable to government authority, when--procedure. |
| 408.693. | Fee paid to financial institution, amount, how determined. |
| 408.695. | Statute of limitations. |
| 408.696. | Civil liability for violation, amount--disciplinary action against |
| | agency employee, when--good faith a valid defense, when--exclusive |
| | remedy. |
| 408.697. | Injunctive relief, allowed when. |
| 408.699. | Statute of limitations, tolled when. |
| 408.700. | Subpoena issued under authority of grand jury, records, use of. |
Missouri General Assembly