Except as otherwise provided, this title does not apply to:

1. (1) Extensions of credit to government or governmental agencies or instrumentalities;
2. (2) The sale of insurance by an insurer, except as otherwise provided in the chapter on insurance (Chapter 4) [Sections 37-4-101 et seq.];
3. (3) Transactions under public utility, municipal utility or common carrier tariffs if a subdivision or agency of this State or of the United States regulates the charges for the services involved, the charges for delayed payment, and any discount allowed for early payment;
4. (4) Transactions made pursuant to and in compliance with Chapter 39 of Title 40;.
5. (5) Licensing or examining restricted lenders [Section 37-3-501(4)];
6. (6) Rates and charges for advancing insurance premiums by insurance agents which shall be governed by the applicable provisions of Chapter 51 of Title 38 [Sections 38-51-10 et seq.]; or insurance premium service companies which shall be governed by the applicable provisions of Chapter 27 of Title 38 [Sections 38-27-10 et seq.];
7. (7) Rates and charges on restricted loans [Section 37-3-501(3)]; which shall be subject to the applicable provisions of Title 34;
8. (8) Loans, sales, or leases made primarily for agricultural purposes; except as otherwise provided in Chapter 10 [Sections 37-10-101 et seq.] of this title;
9. (9) Loans to or on behalf of students pursuant to a government supported educational loan program;
10. (10) Federally-chartered credit unions;
11. (11) Transactions in securities or commodities accounts with broker-dealers registered under Article 5 of Chapter 1, Title 35 [Sections 35-1-410 et seq.], or with the Securities and Exchange Commission.