Collections
Code of Alabama

Chapter 19

Ala. Code § 5-19 et seq.

Consumer Finance

5-19-1Definitions.5-19-1.1Legislative Findings.5-19-3Maximum Finance Charges; Contracting for Minimum Finance Charge; Alternate Per Month Computed Finance Charge.5-19-4Additional Charges for Default or Deferral; Prepayment; Renewal or Refinancing; Real Property Transactions.5-19-5Acceptance of Negotiable Instruments as Evidence of Consumer Debt.5-19-6Copies of Instruments Signed by Debtors to Be Furnished to Debtors; Required Statement in Contracts, Etc.; Limitation on Disclosure Requirements; Intent, Applicability of Limitation.5-19-7Right to Refinance Amount of Certain Scheduled Payments.5-19-8Assignee of Seller Subject to Claims and Defenses of Buyer.5-19-9Application of Payments When Buyer Indebted to Same Seller for Two or More Consumer Credit Sales.5-19-10Contract Provisions for Attorney’s Fees.5-19-12Buyer’s Right to Cancel Home Solicitation Sale.5-19-13Repossession or Acceptance of Surrender of Goods Priced at One Thousand Dollars or Less.5-19-14Rebates or Discounts, Etc., as Inducement for Aiding Sale to Another Prohibited.5-19-15Garnishment.5-19-16Refusal by Court to Enforce Unconscionable Agreement.5-19-17Inducing Obligation on More Than One Contract in Order to Obtain Higher Finance Charge Prohibited; Consolidation of Existing Precomputed Consumer Credit Transaction Contract and Subsequent Precomputed Consumer Credit Transaction.5-19-18Installment Payment of Debt of One Thousand Dollars or Less.5-19-19Liabilities of Creditor Making Excess Finance Charge; Failure to Obtain License; Damages for Deliberate Violation or Reckless Disregard; Written Notice of Violations; Oral Statements Not Admissible; Fiduciary Duty Not Created.5-19-20Insurance.5-19-21Administrator Authorized to Make Rules and Regulations; Filing Notice of Intended Action with Legislative Reference Service; Transactions Entered into After May 20, 1996.5-19-22License to Engage in Business of Making Consumer Loans or Taking Assignments of Consumer Credit Contracts - Required; Exceptions; Application; Investigation; Standards for Issuance; Hearing; Licensing Under Small Loan Act; Fees; Participation in Nationwide Mortgage Licensing System and Registry.5-19-23License to Engage in Business of Making Consumer Loans or Taking Assignments of Consumer Credit Contracts - Revocation or Suspension.5-19-24Examinations and Investigations of Licensees by Administrator.5-19-25Cease and Desist Orders by Administrator; Penalties for Violation of This Chapter; Right to Counsel at Hearing; Judicial Review.5-19-26Appeals to Circuit Court from Order of Administrator; Appeals from Decision of Circuit Court.5-19-29Injunctions.5-19-30Penalty for Violations.5-19-31Nonapplicability of Chapter to Certain Transactions; Certain Laws Not Repealed or Amended.5-19-32Service Contracts.5-19-33Account Maintenance Fee.