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South Dakota Codified Laws

Chapter 54-3A

S.D. Codified Laws ch. 54-3A

Consumer Installment Sales Contracts

54-3A-1Definition of terms.54-3A-2Items included in amount financed.54-3A-3Finance charges on installment sales contract.54-3A-4RepealedRepealed 54-3A-5Additional charges allowed--Disclosure and explanation to consumer--Separate agreement.54-3A-6Commencement of term of obligation--Down payments.54-3A-7Modification of agreement to increase outstanding obligation prohibited--Exception.54-3A-8Rule for computing refund of charges on prepayment.54-3A-8.1Restriction on use of rule.54-3A-9Rebate of portion of finance charge on prepayment or refinancing--Exceptions.54-3A-10Rebate on acceleration of maturity.54-3A-11Delinquent installments--Notice of penalty to consumer.54-3A-12Imposition and collection of delinquency charge.54-3A-12.1Imposition and collection of returned check charge--Maximum.54-3A-13RepealedRepealed 54-3A-14Unilateral deferral by creditor prohibited.54-3A-15Deferral agreement requirements.54-3A-16Deferral charge not collected on refinancing.54-3A-17Refinancing agreement--Rebate excluded.54-3A-18Refinancing agreement requirements.54-3A-19Creditor's remedies on delinquency.54-3A-20Debt forfeited for excessive charges--Costs and attorney fees.54-3A-21Limitation on action for excessive charges.54-3A-22Demand required before action for excessive charges.54-3A-23Proof of unintentional error.54-3A-24Promulgation of rules.54-3A-25Severability of provisions.