North Carolina General Statutes Chapter 25A. Retail Installment Sales Act

• NC GEN ST § 25A-1. Scope of act

• NC GEN ST § 25A-2. “Consumer credit sale” defined

• NC GEN ST § 25A-3. “Payable in installments” defined

• NC GEN ST § 25A-4. “Goods” defined

• NC GEN ST § 25A-5. “Services” defined

• NC GEN ST § 25A-6. “Seller” defined

• NC GEN ST § 25A-7. “Cash price” defined

• NC GEN ST § 25A-8. “Finance charge” defined

• NC GEN ST § 25A-9. “Amount financed” defined

• NC GEN ST § 25A-10. “Official fees” defined

• NC GEN ST § 25A-11. “Revolving charge account contract” defined

• NC GEN ST § 25A-12. “Consumer credit installment sale contract” defined

• NC GEN ST § 25A-13. “Consumer Credit Protection Act” defined

• NC GEN ST § 25A-14. Finance charge rates and service charge for revolving charge account contracts

• NC GEN ST § 25A-15. Finance charge rates for consumer credit installment sale contracts

• NC GEN ST § 25A-16. Transfer of equity

• NC GEN ST § 25A-17. Additional charges for insurance

• NC GEN ST § 25A-18. Confession of judgment

• NC GEN ST § 25A-19. Acceleration

• NC GEN ST § 25A-20. Disclaimer of warranty

• NC GEN ST § 25A-21. Attorneys' fees

• NC GEN ST § 25A-22. Receipts for payments;  return of title documents upon full payment

• NC GEN ST § 25A-23. Collateral taken by the seller

• NC GEN ST § 25A-24. Identification of instruments of indebtedness

• NC GEN ST § 25A-25. Preservation of consumers' claims and defenses

• NC GEN ST § 25A-26. Substitution of collateral

• NC GEN ST § 25A-27. Application of payments

• NC GEN ST § 25A-28. Form of consumer credit installment sale contract

• NC GEN ST § 25A-29. Default charges

• NC GEN ST § 25A-30. Deferral charges

• NC GEN ST § 25A-31. Consolidation and refinancing

• NC GEN ST § 25A-32. Rebates on prepayment

• NC GEN ST § 25A-32.1. Unearned finance charge credits on prepayment of loans secured by real property and mobile home loans

• NC GEN ST § 25A-33. Terms of payments

• NC GEN ST § 25A-34. Balloon payments

• NC GEN ST § 25A-35. Statement of account

• NC GEN ST § 25A-36. Certificates of insurance and rebates

• NC GEN ST § 25A-37. Referral sales

• NC GEN ST § 25A-38. “Home-solicitation sale” defined

• NC GEN ST § 25A-39. Buyer's right to cancel

• NC GEN ST § 25A-40. Form of agreement or offer;  statement of buyer's rights

• NC GEN ST § 25A-41. Restoration of down payment;  retention of goods

• NC GEN ST § 25A-42. Duties as to care and return of goods;  no compensation for services prior to cancellation

• NC GEN ST § 25A-43. Unconscionability

• NC GEN ST § 25A-44. Remedies and penalties

• NC GEN ST § 25A-45. Conflict with Consumer Credit Protection Act