(1) For purposes of this section, “credit card bank or financial institution” means a commercial bank, credit union, thrift, savings and loan association, savings
bank, or other state or federally supervised institution in this state that issues
credit cards and may export rates and fees pursuant to the “National Bank Act”, 12 U.S.C. sec. 85, “Depository Institutions Deregulation and Monetary Control Act of 1980”, 12 U.S.C. secs. 1463, 1785, and 1831d, “Federal Credit Union Act”, 12 U.S.C. sec. 1757, or “Alternative Mortgage Transaction Parity Act of 1982”, 12 U.S.C. secs. 3801 to 3805, and any regulations under those acts.
(2) Notwithstanding any other provisions of this part 2, with respect to a lender
or seller credit card issued by a credit card bank or financial institution:
(a) The finance charge, calculated according to the actuarial method, may not exceed
the amounts provided in section 5-2-201; and
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