Utah Code Title 70C. Utah Consumer Credit Code § 70C-1-106. Determination of interest rate

For purposes of determining the interest rate allowed by the laws of this state under Section 85 of the National Bank Act  1 and Sections 521 and 522 of the Depository Institutions Deregulation and Monetary Control Act of 1980,  2 all finance charges, all fees charged for participation in a credit plan, whether assessed on an annual or other periodic basis, all transaction fees, all delinquency and deferral fees, all fees charged for exceeding a designated credit limit, all fees charged for each return of a dishonored check or negotiable order of withdrawal or draft, all fees charged for stopping payment, and all other charges permitted under Section 70C-2-101 are considered to be interest under the laws of the state of Utah. Notwithstanding the foregoing, a credit plan agreement that provides for any such fees shall disclose them separately from the interest rate in a manner consistent with Regulation Z of the Board of Governors of the Federal Reserve System.