OPINION
{1} Wе granted certiorari in this case to review a Court of Appeals opinion upholding a district court’s order compelling arbitration of Petitioner Kim Rivera’s claims against a title loan lender, American General Financial Services, Inc., and its affiliated insurance agency, American Security Insurance Company. We base our reversal of those decisions on our holding that the arbitration provisions in the title loan contract cannot be enforced because the involvement of the now-unavailable National Arbitration Forum (NAF) to arbitrate contract disputes was an integral requirement of the parties’ agreement. Although no longer technically necessary to our disposition of this appeal, we correct the analysis in the published opinion of the Court of Appeals that imposes an overly narrow construction on New Mexico’s unconscionability jurisprudence and misapplies this Court’s holding in Cordova v. World Finance Corp. of N.M.,
I. BACKGROUND
{2} On August 15, 2000, Rivera obtained a car title loan from American Genеral in the amount of $6,517 in cash plus $1,931 in life, disability, and unemployment insurance premiums. As collateral, Rivera gave American General the title to her 1995 truck, which had a value of $15,500 at the time.
{3} The form title loan contract used by American General is three pages long. The first page includes the particularized data about Rivera’s loan, including figures for payments, interest, and principal, inserted in preprinted blanks. Preprinted language at the bottom of the page explicitly requires that “ARBITRATION WILL BE CONDUCTED PURSUANT TO THE RULES OF THE [NAF].” Page two includes nine preprinted provisions, including repayment rules, default provisions, and a requirement that the borrower must maintain physical damage insurance on the collateral. Page three, titled “ARBITRATION PROVISIONS,” specifies again that “[arbitration will be conducted under the rules and procedures of the [NAF] or successor organization” and provides additional arbitration rules and procedures. Page three also details claims covered by and excluded from the arbitration agreement. The binding arbitration agreement encomрassed “any and all claims” that Rivera could conceivably have against American General, including,
without limitation, all claims and disputes arising out of, in connection with, or relating to [Rivera’s] loan from Lender today or any previous loan from Lender (including all amendments, modifications and refinancings); any previous retail installment sales contract or loan assigned to Lender; all documents, actions, or omissions relating to this or any previous loan or retail installment sales contract; whether the claim or dispute must be arbitrated; the validity of the Arbitration Provisions, [Rivera’s] understanding of them, or any defenses as to the enforceability of the Loan Agreement or the Arbitration Provisions; any negotiations between [Rivera] and lender; any claim or dispute based on the closing, servicing, collection, or enforcement of any transaction covered by the Arbitration Provisions; any claim or dispute based on an allegation of fraud or misrepresentation; any claim or dispute based on or arising under any federal or state statute or rule; any claim or dispute based on a contract or an alleged tort; and any claim for injunctive or equitable relief.
Although the arbitration provisions require Rivera to arbitrate any claims she may have against American General, the arbitration provisions exempt from binding arbitration certain claims that the Lender might have against Rivera:
[Rivera] cannot elect to arbitrate Lender’s self-help or judicial remedies including, without limitation, repossession or foreclosure, with respect to any property that secures any transaction described under the definition of “Covered Claims.” In the event of a default under those transactions, Lender can enforce its rights to [Rivera’s] property in court or as otherwise provided by law, and [Rivera] cannot require that Lender’s actions be arbitrated.
{4} Because Rivera did not provide American General with proof of physical damage insurance, American General obtained from its own affiliate, American Security, twelve months of “creditor-placed insurance” for Rivera’s truck and added an additional $2,197 insurance premium to the balance of the loan. The insurance policy covered direct and accidental loss of or damage to the truck. In the case of loss or damage, the insurance contract stated that American Security would, subject to a deductible, pay the lesser of (1) the cost of repairing or replacing the truck, (2) the unpaid balance of Rivera’s loan, or (3) the actual cash value of the truck immediately prior to the loss or damage.
{5} According to Rivera’s district court complaint, after an accident in 2000 that left her truck unusable, neither American General nor American Security ever adjusted the claim, even though Rivera immediately made a claim for the loss of her truck, personally went to American General’s office multiple times, and filled out several claim forms and proof-of-loss forms.
{6} Rivera alleged that American General continued to send her monthly billing statements and that she continued tо submit payments. When Rivera finally defaulted on the loan, American General notified credit reporting bureaus of her delinquency and hired a law firm to recover the remaining debt from her. Although Rivera never repaid the loan in full, in August 2004, nearly four years after her truck was destroyed, American General mailed the truck title back to Rivera in an unmarked envelope without any cover letter or explanation.
{7} In September 2006, Rivera filed suit against Defendants American General and American Security in the Second Judicial District Court, alleging breach of contract, breach of the covenant of good faith and fair dealing, insurance bad faith, breach of fiduciary duty, fraud, constructive fraud, and violations of statutory protections in the Insurance Practices Act, the Unfair Trade Practices Act, and the federal Fair Credit Reporting Act. Defendants removed the case to the United States District Court and filed a motion to compel arbitration. After Rivera voluntarily dismissed her only federal claim, the federal court remanded thе case back to state court. In April 2008, the Second Judicial District Court granted Defendants’ motions to compel arbitration and stay the judicial proceedings.
{8} Rivera appealed the order compelling arbitration to the Court of Appeals, which rejected her contentions that (1) the arbitration clause was substantively unconscionable, (2) the arbitration clause was proeedurally unconscionable, (3) American General’s promise to arbitrate was illusory, (4) equitable relief was inappropriate because of American General’s unclean hands, and (5) American Security, which was neither a party to nor mentioned in the arbitration agreement, had no right as a third-party beneficiary to enforce the arbitration provisions. Rivera v. Am. Gen. Fin. Sews., Inc.,
{9} Rivera also raised a new issue before the Court of Appeals in a motion for rehearing. After this case had been submitted to the Court of Appeals, the NAF, in response to a lawsuit filed by the Minnesota Attorney General challenging NAF’s suspect ties to the consumer loan and debt collection industries, stipulated to a consent judgment in which the NAF agreed not to administer, process or “[i]n any manner participate” in any arbitration of consumer disputes after July 24, 2009. Rivera argued that the NAF’s unavailability rendered the arbitration provisions in American General’s form title loan contract unenforceable. The Court of Appeals denied the motion for reconsideration.
{10} Rivera argues in this Court that the arbitration provisions are unenforceable because (1) arbitration before the NAF was integral to the agreement to arbitrate but is now impossible and (2) the arbitration agreement is unconscionable under Cordova,
II. DISCUSSION
A. Rivera’s Certiorari Petition Was Timely Filed.
{11} Defendants take the position that we should decline to reach the merits of Rivera’s appeal because she arguably was late in filing her petition for writ of certiorari. The time limits for filing a petition for writ of certiorari with this Court are found in Rule 12-502(B) NMRA:
The petition for writ of certiorari shall be filed with the Supreme Court clerk within thirty (30) days after final action by the Court of Appeals____Final action by the Court of Appeals shall be the filing of its decision ... unless timely motion for rehearing is filed, in which event, final action shall be the disposition of the last motion for rehearing that was timely filed.
{12} Under Rule 12-404(A) NMRA, a party must file a motion for rehearing within fifteen days of the appellate court’s disposition of a case “unless the time is shortened or enlarged by order.” The time period is not jurisdictional because the rule explicitly permits the court to enlarge or shorten the fifteen day period. Rivera filed a motion for rehearing on March 8, 2010, eighteen days after the Court of Appeals issued its February 18, 2010, opinion. Although the Court of Appeals did not enter a separate order addressing the time for filing the motion for rehearing, its written order denying Rivera’s motion for rehearing explicitly stated: “Appellant having filed a motion for rehearing which has been considered by the Court. IT IS ORDERED that the motion for rehearing is denied.” (Emphasis added.)
{13} In the absence of an indication from the Court of Appeals that the motion for rehearing was rejected as untimely, we look to the order denying rehearing as the “final action by the Court of Appeals” under Rule 12-502(B). We have “consistently followed a policy of construing [procedural] rules liberally, to the end that causes on appeal may be determined on the merits where it can be done without impeding or confusing administration or perpetrating injustice.” Olguin v. State,
{14} The Court of Appeals superintends its own docket and has the discretion to indicate in an order whether a motion for rehearing has been denied on grounds of late filing. The Court of Appeals’ order did not state that Rivera’s motion had been denied for untimely filing; to the contrary, it explicitly represented that the Court of Appeals had “considered” the motion before denying it. Because Rivera filed her petition for writ of certiorari in this Court within thirty days after the Court of Appeals’ final action, as required by Rule 12-502(B), we accept Rivera’s petition for writ of certiorari as properly invoking this Court’s certiorari jurisdiction and address the merits of this case.
B. Arbitration Provisions in a Contract Must, If Possible, Be Enforced According to Their Terms, Subject to Established Principles of Contract Law.
{15} “While the interpretation of an arbitration agreement is generally a matter of state law, the [Federal Arbitration Act] imposes certain rules of fundamental importance.” Stolty-Nielsen S.A. v. AnimalFeeds Int’l Corp., 559 U.S. -, -,
{16} Section 2 of the FAA provides that arbitration provisions in contracts involving interstate commerce are “valid, irrevocable, and enforceable.” 9 U.S.C. § 2. The United States Supreme Court has emphasized “the fundamental principle that arbitration is a matter of contract” and that “courts must place arbitration agreements on an equal footing with other contracts ... and enforce them according to their terms.” AT&T Mobility LLC v. Concepcion, 563 U.S. -, -,
{17} Despite the policy favoring enforcement of arbitration agreements, under the FAA an arbitration agreement is not enforceable where “grounds ... exist at law or in equity for the revocation of any contract.” 9 U.S.C. § 2. Agreements to arbitrate may accordingly “be invalidated by generally applicable contract defenses, such as fraud, duress, or unconscionability.” Rent-A-Center, West, Inc. v. Jackson, 561 U.S. -, -,
{18} With this interplay of federal and state law in mind, our evaluation of the meaningful enforceability of the arbitration provisions turns on consideration of generally applicable principlеs of New Mexico contract law.
C. The Arbitration Provisions in This Case Could Not Be Enforced As Written Because Involvement of the NAF Was Integral to the Contract.
{19} As a threshold matter, Defendants argue that we should not consider whether the NAF’s unavailability renders the arbitration provisions unenforceable because Rivera did not raise this issue until after the Court of Appeals had filed its opinion. In general, “[t]o preserve a question for review it must appear that a ruling or decision by the district court was fairly invoked.” Rule 12-216(A) NMRA. But because the NAF became unavailable more than a year after the district court had issued its order compelling arbitration, Rivera was unable to raise this claim before the district court.
{20} Our published rules specifically recognize that this Court has the discretion to consider legal matters of “general public interest,” even if not technically preserved below. Rule 12-216(B)(1). Amici curiae, American Financial Services Association and Consumer Bankers Association, have explained that the NAF’s withdrawal from all consumer arbitrations affects millions of arbitration provisions currently in force. Given the prevalence of arbitration provisions designating the NAF, we conclude that the unavailability of the NAF to arbitrate any consumer disputes presents a legal matter of general public interest, and we exercise our discretion to consider this issue, which the parties have had a full and fair opportunity to brief and argue. See id.
{21} On the merits, Defendants concede that the NAF is unavailable to resolve Rivera’s claims, but they argue that the arbitration provisions remain enforceable despite the unavailability of the NAF, on the theory that § 5 of the FAA authorizes a court to select a substitute arbitrator.
{22} Under § 5 of the FAA,
[i]f in the agreement provision be made for a method of naming or appointing an arbitrator or arbitrators or an umpire, such method shall be followed; but if no method be provided therein, or if a method be provided and any party thereto shall fail to avail himself of such method, or if for any other reason there shall be a lapse in the naming of an arbitrator or arbitrators or umpire, or in filling a vacancy, then upon the application of either party to the controversy the court shall designate and appoint an arbitrator or arbitrators or umpire ....
9 U.S.C. § 5.
{23} Rivera argues that § 5 of the FAA does not apply in cases where the sole designated arbitrator is no longer available, citing Weiner v. Gutfreund (In re Salomon Inc. Shareholders’ Derivative Litigation),
{24} A number of other jurisdictions, including the Eleventh Circuit Court of Appeals, have taken a less rigid approach to the question of whether § 5 of the FAA allows a сourt to appoint a substitute arbitration provider to replace an unavailable provider. See Brown v. ITT Consumer Fin. Corp.,
{25} Many jurisdictions have likewise declined to apply In re Salomon’s bright-line rule and have instead concluded that Brown’s “integral” versus “ancillary logistical concern” test is a proper way to determine whether a court may appoint a substitute arbitration provider. See, e.g., Ranzy v. Tijerina,
{26} We disagree with Rivera’s contention that § 5 of the FAA never applies in cases where the designated arbitration provider is no longer available. We agree with the jurisdictions that have focused on the parties’ intent, as expressed in the contract, to determine whether § 5 of the FAA permits a court to substitute a different arbitration provider. The “integral” or “ancillary logistical concern” test articulated by the Eleventh Circuit in Brotvn,
{27} We conclude that whether the NAF is integral to the parties’ agreement to arbitrate is a matter of contract interpretation. Contract interpretation is a matter of law that we review de novo. See W. Farm, Bureau Ins. Co. v. Carter,
{28} Courts have concluded that the identity of the arbitration provider is an ancillary logistical concern in contracts where the arbitration provisions do not specifically designate a provider or where a provision gives transacting parties a choice of providers. See, e.g., Jackson v. Payday Loan Store of Ill., No. 09 C 4189,
{29} On the other hand, an arbitration agreement’s express designation of a single arbitration provider weighs in favor of a finding that the designated provider is integral to the agreement to arbitrate. For example, the arbitration provision in Ranzy contained terms strikingly similar to the terms in this case:
[A]ny and all claims ... shall be resolved by binding individual (and not class) arbitration by and under the Code of Procedure of the [NAF]____This agreement to arbitrate all disputes shall apply no matter by whom or against whom the claim is filed. Rules and forms of the NAF may be obtained and all claims shall be filed at any NAF office, [or by contacting the NAF via the internet, phone, or mail].
{30} The parties’ designation of the rules of a specific arbitration provider may indicate that arbitration pursuant to those rules is an integral part of the agreement to arbitrate. In Grаnt, the South Carolina Supreme Court focused on the significance of the transacting parties’ agreement to arbitrate using the rules of the American Health Lawyers Association (AHLA).
{31} Mandatory, as opposed to permissive, contractual language further demonstrates that a specifically named arbitration provider is integral to the agreement to arbitrate. See, e.g., NMSA 1978, § 12-2A-4(A) (1997) (“‘Shall’ and ‘must’ express a duty, obligation, requirement or condition precedent.”); Marbob Energy Corp. v. N.M. Oil Conservation Comm’n,
{32} In this case, American General’s form title loan contract names the NAF specifically and exclusively throughout and states that “Arbitration will be conducted under the rules and procedures of the [NAF] or successor organization that are in effect at the time arbitration is started and under the rules set forth in the Arbitration Provisions.” The “rules set forth in the Arbitration Provisions” state that, in order to initiate arbitration, the borrower must obtain a “Demand for Arbitration” form from the NAF, complete the NAF form, send three copies of the completed form to the NAF, and pay the NAF an initial filing fee. The rules further state that, once arbitration has been initiated, the NAF will provide the parties with a list of seven NAF arbitrators. Each party then strikes three people from the NAF list, and the remaining NAF-designated person serves as arbitrator. Finally, the rules provide complete contact information for the NAF so that the consumer can obtain more information about NAF arbitration procedures.
{33} In addition to naming the NAF exclusively throughout the arbitration provisions of the agreement, the parties mandated that “Arbitration will be conducted under the rules and procedures of the [NAF].” The published NAF Code of Procedure exemplified the importance of designаting the rules of a particular organization to govern dispute resolution. See NAF, Code of Procedure (Aug. 1, 2008), http://www.adrforum.com/ users/naf/resources/CodeofProcedure2008-print2.pdf. The seventy-four page code states that it is “incorporated by reference into every Arbitration Agreement” that refers to the NAF. Id. at 1. Among other things, the code governs the manner in which claims can be brought, id. at 18-25, the selection and powers of the arbitrator, id. at 28-33, the type of hearing afforded to the parties, id. at 34-51, the entry of a final binding order by the arbitrator, id. at 52-58, and the payment of fees by the parties, id. at 59-63.
{34} Additionally, as in Ranzy and Khan, the arbitration provisions in this case use mandatory rather than permissive language: (1) “Arbitration will be conducted under the rules and procedures of’ the NAF, (2) to start arbitration “you or Lender must ... complete a Demand for Arbitration (contact NAF for a copy),” (3) the “NAF mil provide” a list of potential arbitrators, and (4) “NAF rules shall determine what portion of the costs you or Lender will pay.” (Emphasis added.) The pervasivе references to the NAF, selection of the NAF rules, and mandatory language of the contract all support our conclusion that the NAF was integral to the agreement to arbitrate.
{35} Defendants argue that several features of the contract before us indicate that the NAF was merely an ancillary logistical concern. Because the contract requires arbitration under the NAF “rules and procedures ... that are in effect at the time arbitration is started,” Defendants argue that a court-appointed substitute arbitrator can be ordered to apply the NAF Code of Procedure that is currently available online. See Levy, D.D.S. v. Cain, Watters & Assocs., P.L.L.C., No. 2:09-cv-723,
{36} Defendants also argue that because the arbitration provisions require “[a]rbitration ... conducted under the rules and procedures of the [NAF] or successor organization that are in effect at the time arbitration is started,” a “successor” to the NAF can be appointed by a court pursuant to § 5 of the FAA. (Emphasis added.) We doubt that a substitute arbitrator, not selected by the parties but imposed instead by order of a court, could be considered in law a “successor organization” as contemplated by the plain language of the contract. In corporate law, the term “successor” is a legal term of art meaning a “corporation that, through amalgamation, consolidation, or other assumption of interests, is vested with the rights and duties of an earlier corporation.” Black’s Law Dictionary 1569 (9th ed. 2009).
{37} Finally, Defendants point to the severance clause in the contract as support for the proposition that the parties’ designation of the NAF was merely an ancillary logistical concern. See Jones v. GGNSC Pierre LLC,
{38} The pervasive references to the NAF in the contract compel our conclusion that the parties intended for the NAF to be the exclusive arbitrator in any out-of-court dispute resolution. The partiеs explicitly specified that arbitration would proceed under NAF rules and procedures. Arbitration “is a matter of consent, not coercion,” and the parties “may ... specify by contract the rules under which that arbitration will be conducted.” Volt Info.,
D. The Court of Appeals Construed Too Narrowly This Court’s Opinion in Cordova.
{39} Rivera has argued throughout this litigation that the arbitration provisions are unenforceable under the generally applicable contract defense of unconscionability because the title loan contract requires the borrower to arbitrate any and all claims but allows the lender to go to court for its preferred remedies. Although the district court made its ruling without the benefit of our opinion in Cordova,
{40} A threshold issue we must address is whether Rivera’s challenge to the Court of Appeals’ interpretation of Cordova and resolution of the unconseionability issue are now moot in light of our holding that there is no longer an arbitrator eligible to arbitrate either the substance of the dispute or the threshold issue of unconseionability under the terms of the agreement by the parties. While as a prudential matter we normally will not address moot issues that will have no practical impact on the parties before us, we will address issues of substantial public interest or issues that “are capable of repetition yet evading review.” Cobb v. State Canvassing Bd.,
{41} The issues regarding the Court of Appeals’ published interpretation of Cordova in the context of one-sided arbitration clauses represent the kinds of issues that are capable of repetition yet likely to evade our appellate review. This is particularly so in light of the inevitable jurisprudential effect of the United States Supreme Court’s recent decision in RenP-A-Center, which held that where a delegation clause within the arbitration agreement clearly and unmistakably delegates the issue of unconseionability to the arbitrator, that issue should be decided by the arbitrator, instead of by a court, unless the party opposing arbitration has specifically challenged the validity of the delegation clause. 561 U.S. at-,
{42} Whether a contract provision is unconscionable and unenforceable is a question of law that we review de novo. See Cordova,
{43} “Unconseionability is an equitable doctrine, rooted in public policy, which allows courts to render unenforceable an agreement that is unreasonably favorable to one party while precluding a meaningful choice of the other party.” Id. ¶21. “The doctrine of contractual unconseionability can be analyzed from both procedural and substantive perspectives.” Id.
{44} “Procedural unconscionability ... examines the particular factual circumstances surrounding the formation of the contract, including the relative bargaining strength, sophistication of the parties, and the extent to which either party felt free to accept or decline terms demanded by the other.” Id. ¶ 23. When assessing procedural unconscionability, courts should consider whether the contract is one of adhesion. An adhesion contract is a standardized contract offered by а transacting party with superior bargaining strength to a “weaker party on a take-it-or-leave-it basis, without opportunity for bargaining.” Id. ¶ 33. Adhesion contracts generally warrant heightened judicial scrutiny because the drafting party is in a superior bargaining position. See Wis. Auto Title Loans, Inc. v. Jones,
{45} “Substantive unconscionability concerns the legality and fairness of the contract terms themselves,” and the “analysis focuses on such issues as whether the contract terms are commercially reasonable and fair, the purpose and effect of the terms, the one-sidedness of the terms, and other similar public policy concerns.” Cordova,
{46} “Contract provisions that unreasonably benefit one party over another are substantively unconscionable.” Id. ¶ 25. For example, where a lender imposes on a borrower a contract that requires the borrower to settle all claims it may have against the lender through arbitration “while reserving for the lender the exclusive option of access to the courts for all remedies the lender is most likely to pursue against the borrower,” the contract “is against New Mexico public policy and is therefore void as unconscionable.” Id. ¶ 1; see also Padilla v. State Farm Mut. Auto. Ins. Co.,
{47} Under New Mexico principles of contract law, a finding of unconscionability may be based on either procedural or substantive unconscionability, or a combination of both. ‘While there is a greater likelihood of a contract’s being invalidated for unconscionability if there is a combination of both рrocedural and substantive unconscionability, there is no absolute requirement in our law that both must be present to the same degree or that they both be present at all.” Cordova,
{48} The arbitration provisions analyzed in Cordova “broadly stated that the parties must arbitrate all disputes,” id. ¶ 3, but also provided that if the borrower defaulted on the loan, the lender could “ ‘seek its remedies in an action at law or in equity, including but not limited to, judicial foreclosure or repossession,’ ” id. ¶ 4. Cordova concluded that the arbitration clause was “so unfairly and unreasonably one-sided that it [wa]s substantively unconscionable.” Id. ¶ 32. This Court determined that the substantive unconscionability of the one-sided contract provisions was “so compelling” that we found it unnecessary to address whether the provisions were also procedurally unconscionable. Id.
{49} Othеr jurisdictions have concurred that unfairly one-sided contract provisions are unconscionable. See, e.g., Batory v. Sears, Roebuck & Co.,
{50} In this case the Court of Appeals concluded that American General reasonably excepted judicial foreclosure and repossession from the claims covered by arbitration because (1) “judicial actions for foreclosure and repossession are highly regulated by the statutory provisions governing secured transactions of the Uniform Commercial Code” and (2) “without access to these judicial and extra-judicial procedures, American General would lose many of the statutory protections it enjoyed as a secured creditor.” Rivera,
{51} As a matter of law arbitrators have broad authority and are deemed capable of granting any remedy necessary tо resolve a case. See Thomas E. Carbonneau, The Law and Practice of Arbitration 48-49 (3d ed. 2009) (citing, for example, Rodriguez v. Prudential-Bache Secs., Inc.,
{52} Both the 2008 NAF Code of Procedure and the contract in this case reflect the principle that an arbitrator has brоad power to resolve claims involving a lender’s security interest in collateral. The NAF Code of Procedure expressly provides that “[a]ll types of legal and equitable remedies and relief available in court are available in arbitration____ Parties may effectively pursue any remedy or relief in arbitration including statutory, common law, injunctive, equitable, and all other lawful remedies and relief.” NAF Code of Procedure, supra, at 10. And the contract at issue in this case specifically states that the “Lender can enforce its rights to [the borrower’s] property in court” or “can elect to arbitrate such claims.” We conclude that an arbitrator can be given the authority to address any claims a lender may have against a borrower.
{53} In its form loan contract, American General unilaterally chose the forum in which it wanted to resolve its disputes, ensuring that it could “enforce its rights to [Rivera’s] property in court or as otherwise provided by law” while extinguishing Rivera’s right to access the courts for any reason. By excepting foreclosure and repossession from arbitration, American General retained the right to obtain through the judicial system the only remedies it was likely to need. If Rivera’s truck had not been destroyed and still had been worth $15,500, American General easily could have recouped the loan principal of $6,517 through repossession. American General’s ability under the arbitration clause to seek judicial redress of its likeliest claims while forcing Rivera to arbitrate any claim she may have is unreasonably one-sided. See Flores v. Transamerica HomeFirst, Inc.,
{54} We therefore determine that the arbitration provisions are unfairly one-sided and void under New Mexico law. As in Cordova, the arbitration provisions in this case are so substantively unconscionable that we need not consider whether the provisions are also proeedurally unconscionable.
E. The Arbitration Provisions Must Be Struck in Their Entirety.
{55} When this Court determines that contract provisions are unenforceable we can either “strike the ... provisions in their entirety” or reform the provisions “into a fair and balanced” agreement. Cordova,
{56} The title loan contract in this case contains numerous provisions that are unenforceable either because they refer to the NAF or because they are unfairly one-sided and substantively unconscionable. Arbitration before thе NAF using the NAF Code of Procedure was integral to the parties’ agreement to arbitrate, and “[t]o appoint a substitute arbitrator would constitute a wholesale revision of the arbitration clause.” Carideo,
CONCLUSION
{57} The arbitration provisions in the loan contract are unenforceable. We vacate the order compelling arbitration, reverse the district court and the Court of Appeals, and remand to the district court for further proceedings consistent with this Opinion.
{58} IT IS SO ORDERED.