N.C. Gen. Statutes > Chapter 25A North Carolina General Statutes > Chapter 25A – Retail Installment Sales Act Current as of: 2024 | Check for updates | Other versions § 25A-1 Scope of act § 25A-2 “Consumer credit sale” defined § 25A-3 “Payable in installments” defined § 25A-4 “Goods” defined § 25A-5 “Services” defined § 25A-6 “Seller” defined § 25A-7 “Cash price” defined § 25A-8 “Finance charge” defined § 25A-9 “Amount financed” defined § 25A-10 “Official fees” defined § 25A-11 “Revolving charge account contract” defined § 25A-12 “Consumer credit installment sale contract” defined § 25A-13 “Consumer Credit Protection Act” defined § 25A-14 Finance charge rates and service charge for revolving charge account contracts § 25A-15 Finance charge rates for consumer credit installment sale contracts § 25A-16 Transfer of equity § 25A-17 Additional charges for insurance § 25A-18 Confession of judgment § 25A-19 Acceleration § 25A-20 Disclaimer of warranty § 25A-21 Attorneys’ fees § 25A-22 Receipts for payments; return of title documents upon full payment § 25A-23 Collateral taken by the seller § 25A-24 Identification of instruments of indebtedness § 25A-25 Preservation of consumers’ claims and defenses § 25A-26 Substitution of collateral § 25A-27 Application of payments § 25A-28 Form of consumer credit installment sale contract § 25A-29 Default charges § 25A-30 Deferral charges § 25A-31 Consolidation and refinancing § 25A-32 Rebates on prepayment § 25A-32.1 Unearned finance charge credits on prepayment of loans secured by real property and mobile home loans § 25A-33 Terms of payments § 25A-34 Balloon payments § 25A-35 Statement of account § 25A-36 Certificates of insurance and rebates § 25A-37 Referral sales § 25A-38 “Home-solicitation sale” defined § 25A-39 Buyer’s right to cancel § 25A-40 Form of agreement or offer; statement of buyer’s rights § 25A-41 Restoration of down payment; retention of goods § 25A-42 Duties as to care and return of goods; no compensation for services prior to cancellation § 25A-43 Unconscionability § 25A-44 Remedies and penalties § 25A-45 Conflict with Consumer Credit Protection Act Ask a legal question, get an answer ASAP!Click here to chat with a lawyer about your rights.
