Rhode Island General Laws Title 6. Commercial Law--General Regulatory Provisions § 6-26.1-12. Materiality of terms

All terms, conditions and other provisions of and relating to a credit card plan as contained in this chapter or any other applicable chapter, or in the agreement governing the plan (other than those which are interest under this chapter,) including, without limitation, provisions relating to the method of determining the outstanding unpaid indebtedness on which interest is applied;  time periods within which interest or interest fees and charges may be avoided;  reasons for default and the right to cure any default;  right to accelerate;  account cancellation;  choice of law;  change in terms requirements;  right to charge and collect attorneys' fees;  court and collection costs;  and the compounding of interest or interest fees and charges, shall be, and hereby are deemed to be, material to the determination of interest applicable to a plan under Rhode Island law, under the most favored lender doctrine, and under the National Credit Card Lender Act (12 U.S.C. § 85) or Section 521 of the Depository Institutions Deregulation and Monetary Control Act of 1980 (12 U.S.C. § 1831(d)).