Indiana Code — 37
Browse 445 sections in division 37 of the Indiana code. Each section page includes the full statutory text, official source links, and citation guidance.
Sections (showing up to 300)
- § 37-1-1-0.1. Recodification of prior law
- § 37-1-1-0.3. Contracts entered into under prior law
- § 37-1-1-0.5. Documents, websites, or business communications created under prior law
- § 37-1-1-0.7. References to repealed statutes; references to citations
- § 37-1-1-1. Licensing system for creditors and mortgage loan originators; rules; federal law
- § 37-1-1-2. Purposes; rules of construction
- § 37-1-1-3. Unified coverage of subject matter; construction against implied repeal
- § 37-1-1-4. Severability
- § 37-1-1-5. Application; nonresident debtor
- § 37-1-1-6. Exempt transactions and persons
- § 37-1-1-7. Persons also engaging in activities of a loan broker; examination by department; cooperation with securities division
- § 37-1-1-8. Entities also conducting activities of a loan broker; cooperation with securities commissioner
- § 37-1-1-9. Carrying on other business
- § 37-1-2-1. Applicability of definitions
- § 37-1-2-2. "Affiliate"
- § 37-1-2-3. "Agreement"
- § 37-1-2-4. "Agricultural products"
- § 37-1-2-5. "Agricultural purpose"
- § 37-1-2-6. "Balloon payment"
- § 37-1-2-7. "Bona fide nonprofit organization"
- § 37-1-2-8. "Civil court"
- § 37-1-2-9. "Consumer credit sale"
- § 37-1-2-10. "Credit"
- § 37-1-2-11. "Creditor"
- § 37-1-2-12. "Department"
- § 37-1-2-13. "Depository institution"
- § 37-1-2-14. "Director"
- § 37-1-2-15. "Dwelling"
- § 37-1-2-16. "Employee"
- § 37-1-2-17. "Federal banking agencies"
- § 37-1-2-18. "First lien mortgage transaction"
- § 37-1-2-19. "Immediate family member"
- § 37-1-2-20. "Individual"
- § 37-1-2-21. "Land contract"
- § 37-1-2-22. "Licensee"
- § 37-1-2-23. "Loan"
- § 37-1-2-24. "Loan brokerage business"
- § 37-1-2-25. "Loan processor or underwriter"
- § 37-1-2-26. "Mortgage loan originator"
- § 37-1-2-27. "Mortgage servicer"
- § 37-1-2-28. "Mortgage transaction"
- § 37-1-2-29. "Nationwide Multistate Licensing System and Registry"
- § 37-1-2-30. "Organization"
- § 37-1-2-31. "Payable in installments"
- § 37-1-2-32. "Person"
- § 37-1-2-33. "Principal"
- § 37-1-2-34. "Real estate brokerage activity"
- § 37-1-2-35. "Registered mortgage loan originator"
- § 37-1-2-36. "Regularly engaged"
- § 37-1-2-37. "Residential real estate"
- § 37-1-2-38. "Revolving first lien mortgage transaction"
- § 37-1-2-39. "Tablefunded"
- § 37-1-2-40. "Unique identifier"
- § 37-1-3-1. Duty to provide payoff amount; liability for failure to provide; prepayment penalty prohibited for adjustable rate mortgages; short sales; foreclosed property; no protection from deficiency judgment
- § 37-1-3-2. Federal disclosure requirements; creditor's duty to comply; exempt transactions
- § 37-1-3-3. Violation of state or federal law, regulation, or rule; enforcement
- § 37-1-3-4. License required; registration with NMLSR; licensed mortgage loan originators; loan processor or underwriting activities; applications for licensure; director's authority to contract with NMLSR
- § 37-1-3-5. Applications for licenses; issuance; evidence of compliance; use of NMLSR; denial of application; right to hearing; fees; license not assignable or transferable; tax warrant list
- § 37-1-3-6. National criminal history background check; fingerprints; payment of fees or costs; use of NMLSR
- § 37-1-3-7. Credit reports; payment of fees or costs; demonstrated financial responsibility; considerations
- § 37-1-3-8. Surety bond; requirements; amount; termination; liability; notices
- § 37-1-3-9. Use of NMLSR in department's licensing system; reporting of information to NMLSR; confidentiality; director's authority to enter agreements; waiver of privilege; processing fee; electronic records
- § 37-1-3-10. License renewal; revocation or suspension of license not renewed; reinstatement or appeal; correcting amendments
- § 37-1-3-11. Suspension or revocation of license as creditor; order to show cause; order of suspension or revocation; relinquishment of license; preexisting contracts; emergency order for revocation
- § 37-1-3-12. Violations by individuals; persons convicted of felonies; civil penalties; creditor's duty to notify department of discharge or termination
- § 37-1-3-13. Director's notice of intent to issue order; contents; hearing; final order; suspension or prohibition pending final order; official record
- § 37-1-3-14. Consent agreement; notice of charges not required
- § 37-1-3-15. Final order; penalties; time for issuance; consent presumed upon failure to appear
- § 37-1-3-16. Final order; effective date; authority of department or court to stay, modify, or vacate
- § 37-1-3-17. Factors for determining amount of civil penalty; indemnification by creditor prohibited; deposit of civil penalties in financial institutions fund
- § 37-1-3-18. Authority of director to enforce orders, agreements, or conditions in court
- § 37-1-3-19. Record keeping; use of unique identifier on forms and documents; use of examination and regulatory software; reports of condition to NMLSR; financial statements; notice to department of certain events or changes
- § 37-1-3-20. Change in control of creditor; application to department; timeframe for department's decision; conditions for approval; creditor's duty to report transfer of securities; director's discretion to require new license
- § 37-1-3-21. Creditor's duty to comply with closing requirements
- § 37-1-3-22. Debtor's right to rescind; accruing interest prohibited during rescission period; disbursement of proceeds
- § 37-1-3-23. Reverse mortgages; pamphlet; counseling required for debtor
- § 37-1-4-1. Application
- § 37-1-4-2. Powers of department; no liability for conforming act or omission
- § 37-1-4-3. Department's examination and investigatory authority; record retention; director's authority to control access to records; court order compelling compliance; confidentiality; costs; vendors
- § 37-1-4-4. Powers of director
- § 37-1-4-5. Prohibited acts
- § 37-1-4-6. Applicability of laws governing administrative orders and rules; venue
- § 37-1-4-7. Cease and desist orders; judicial review or enforcement proceedings; record; appeal; unconscionable or fraudulent conduct subject to injunction
- § 37-1-4-8. Assurance of discontinuance of conduct; failure to comply
- § 37-1-4-9. Civil action by department to restrain violation
- § 37-1-4-10. Civil action by department to enjoin deceptive act
- § 37-1-4-11. Department's application to court for temporary relief or restraining order
- § 37-1-4-12. Civil action by department for willful violation; imposition of civil penalty by department; restitution
- § 37-1-4-13. Rights of debtors not affected
- § 37-1-4-14. Actions brought by department; venue
- § 37-2-1-0.1. Recodification of prior law
- § 37-2-1-0.3. Contracts entered into under prior law
- § 37-2-1-0.5. Documents, websites, or business communications created under prior law
- § 37-2-1-0.7. References to repealed statutes; references to citations
- § 37-2-1-1. Purposes; rules of construction; related rules or guidance adopted by department; applicability to disguised consumer credit transactions; violations of other consumer laws; enforcement of disclosure requirements for mortgage transactions
- § 37-2-1-2. Supplementary general principles of law applicable
- § 37-2-1-3. Construction against implicit repeal
- § 37-2-1-4. Severability
- § 37-2-1-5. Adjustment of dollar amounts
- § 37-2-1-6. Waiver; agreement to forego rights; settlement of claims
- § 37-2-1-7. Effect on powers of organizations
- § 37-2-1-8. Persons licensed or authorized on October 1, 1971
- § 37-2-1-9. Territorial application; determination of residence; invalid agreements; violations; voiding of loan
- § 37-2-1-10. Exempt transactions and persons
- § 37-2-1-11. Cooperation with securities commissioner; individuals also conducting activities of a loan broker
- § 37-2-2-1. Application of definitions
- § 37-2-2-2. "Affiliate"
- § 37-2-2-2.5. "Amount financed"
- § 37-2-2-3. "Agreement"
- § 37-2-2-4. "Agricultural purpose"
- § 37-2-2-5. "Average daily balance"
- § 37-2-2-6. "Balloon payment"
- § 37-2-2-7. "Bona fide nonprofit organization"
- § 37-2-2-7.5. "Cash price"
- § 37-2-2-7.7. "Civil court"
- § 37-2-2-8. "Closing costs"
- § 37-2-2-9. "Conspicuous"
- § 37-2-2-10. "Consumer credit"
- § 37-2-2-10.5. "Consumer credit insurance"
- § 37-2-2-11. "Consumer Credit Protection Act"
- § 37-2-2-12. "Consumer credit sale"
- § 37-2-2-12.5. "Consumer lease"
- § 37-2-2-13. "Consumer loan"
- § 37-2-2-13.3. "Consumer related loan"
- § 37-2-2-13.5. "Consumer related sale"
- § 37-2-2-14. "Credit"
- § 37-2-2-14.5. "Credit service charge"
- § 37-2-2-15. "Creditor"
- § 37-2-2-15.5. "Debt cancellation agreement"
- § 37-2-2-15.7. "Department"
- § 37-2-2-16. "Depository institution"
- § 37-2-2-17. "Director"
- § 37-2-2-18. "Dwelling"
- § 37-2-2-19. "Earnings"
- § 37-2-2-20. "Employee"
- § 37-2-2-20.5. "Expedited payment service"
- § 37-2-2-21. "Federal banking agencies"
- § 37-2-2-21.5. "First lien mortgage transaction"
- § 37-2-2-22. "Guaranteed asset protection agreement"
- § 37-2-2-22.5. "Goods"
- § 37-2-2-22.7. "Home solicitation sale"
- § 37-2-2-23. "Immediate family member"
- § 37-2-2-24. "Individual"
- § 37-2-2-25. "Land contract"
- § 37-2-2-25.5. "Lender"
- § 37-2-2-26. "Lender credit card or similar arrangement"
- § 37-2-2-27. "Licensee"
- § 37-2-2-27.5. "Loan"
- § 37-2-2-28. "Loan brokerage business"
- § 37-2-2-28.5. "Loan finance charge"
- § 37-2-2-29. "Loan processor or underwriter"
- § 37-2-2-29.5. "Merchandise certificate"
- § 37-2-2-30. "Mortgage loan originator"
- § 37-2-2-31. "Mortgage servicer"
- § 37-2-2-32. "Mortgage transaction"
- § 37-2-2-33. "Nationwide Multistate Licensing System and Registry"; "Nationwide Mortgage Licensing System and Registry"; or "NMLSR"
- § 37-2-2-34. "Nontraditional mortgage product"
- § 37-2-2-35. "Official fees"
- § 37-2-2-36. "Organization"
- § 37-2-2-37. "Payable in installments"
- § 37-2-2-38. "Person"
- § 37-2-2-39. "Person related to" with respect to an individual
- § 37-2-2-40. "Person related to" with respect to an organization
- § 37-2-2-40.5. "Principal"
- § 37-2-2-41. "Presumed"; "presumption"
- § 37-2-2-42. "Real estate brokerage activity"
- § 37-2-2-43. "Registered mortgage loan originator"
- § 37-2-2-44. "Regularly engaged"
- § 37-2-2-44.5. "Residential real estate"
- § 37-2-2-44.7. "Revolving charge account"
- § 37-2-2-45. "Revolving loan account"
- § 37-2-2-45.1. "Sale of an interest in land"
- § 37-2-2-45.3. "Sale of goods"
- § 37-2-2-45.5. "Sale of services"
- § 37-2-2-45.7. "Seller"
- § 37-2-2-46. "Seller credit card"
- § 37-2-2-46.5. "Services"
- § 37-2-2-46.7. "Skip-a-payment service"
- § 37-2-2-47. "Subordinate lien mortgage transaction"
- § 37-2-2-47.3. "Supervised lender"
- § 37-2-2-47.5. "Supervised loan"
- § 37-2-2-48. "Unique identifier"
- § 37-2-3-1. Application
- § 37-2-3-2. "Precomputed"
- § 37-2-3-3. Stated cash price presumed to be the cash price
- § 37-2-3-4. Credit service charge for consumer credit sales; sales agreements entered into after June 30, 2020; precomputed sales prohibited; nonrefundable prepaid finance charge authorized; revolving charge accounts; subterfuge by seller; applicability of criminal loansharking statute
- § 37-2-3-5. Permitted additional charges; skip-a-payment services; expedited payment services; GAP agreements
- § 37-2-3-6. Delinquency charges
- § 37-2-3-7. Deferral charges
- § 37-2-3-8. Credit service charge on refinancing
- § 37-2-3-9. Credit service charge on consolidation
- § 37-2-3-10. Advances to perform covenants of buyer
- § 37-2-3-11. Right to prepay without penalty; payoff statement; liability for failure to provide; short sales; foreclosed property; no protection from deficiency judgment
- § 37-2-3-12. Rebate upon prepayment
- § 37-2-3-13. Disclosures required by Consumer Credit Protection Act; exempt transactions
- § 37-2-3-14. Use of multiple agreements
- § 37-2-3-15. Balloon payments
- § 37-2-3-16. Restriction on liability in consumer lease
- § 37-2-3-17. Security interests
- § 37-2-3-18. Leasing of live domestic animals prohibited
- § 37-2-3-19. Cross-collateral
- § 37-2-3-20. Debt secured by cross-collateral
- § 37-2-3-21. No assignment of earnings
- § 37-2-3-22. Referral sales
- § 37-2-3-23. Notice of assignment
- § 37-2-3-24. Attorney's fees
- § 37-2-3-25. Limitation on default charges
- § 37-2-3-26. Authorization to confess judgment prohibited
- § 37-2-3-27. Creditor's duty to credit payment as of date of receipt; payments not conforming to requirements; creditor's failure to credit payment
- § 37-2-3-28. Buyer's right to cancel
- § 37-2-3-29. Sale subject to article by agreement of parties
- § 37-2-3-30. Credit service charges with respect to consumer related sales; annual notice to department not required
- § 37-2-3-31. Applicability of other provisions to consumer related sales
- § 37-2-3-32. Limitation on default charges in consumer related sales
- § 37-2-3-33. Credit service charge for other sales
- § 37-2-4-0.1. Application of certain amendments
- § 37-2-4-1. Application
- § 37-2-4-2. "Consumer loan"; first lien mortgage transaction not included
- § 37-2-4-3. "Precomputed"
- § 37-2-4-4. Loan finance charge for consumer loans other than supervised loans; loan agreements entered into after June 30, 2020; precomputed consumer loans prohibited; nonrefundable prepaid finance charge; subterfuge by lender; applicability of loansharking statute
- § 37-2-4-5. Permitted additional charges; skip-a-payment services; expedited payment services; debt cancellation agreements; insurance; GAP agreements
- § 37-2-4-6. Delinquency charges; conversion of precomputed loan to loan with finance charge based on unpaid balances
- § 37-2-4-7. Deferral charges
- § 37-2-4-8. Loan financing charge on refinancing
- § 37-2-4-9. Loan finance charge on consolidation
- § 37-2-4-10. Conversion to revolving loan account
- § 37-2-4-11. Advances to perform covenants of debtor
- § 37-2-4-12. Right to prepay; prepayment penalty; total finance charge; payoff statement; liability for failure to provide; short sales; foreclosed property; no protection from deficiency judgment
- § 37-2-4-13. Rebate upon prepayment
- § 37-2-4-14. Disclosures prohibited by Consumer Credit Protection Act; exempt transactions
- § 37-2-4-15. Balloon payments; compliance with Alternative Mortgage Transaction Parity Act
- § 37-2-4-16. No assignment of earnings
- § 37-2-4-17. Attorney's fees
- § 37-2-4-18. Limitation on default charges
- § 37-2-4-19. Notice of assignment
- § 37-2-4-20. Authorization to confess judgment prohibited
- § 37-2-4-21. Creditor's duty to credit payment as of date of receipt; payments not conforming to requirements; creditor's failure to credit payment
- § 37-2-4-22. Persons also engaging in activities of a loan broker; examination by department; cooperation with securities division
- § 37-2-4-23. Authority to make, take assignment of, or collect consumer loans other than mortgage transactions; license required; exempt persons; branches; separate license required for small loans
- § 37-2-4-24. Authority to make, take assignment of, or collect subordinate lien mortgage transactions; license required; exempt persons; registration with NMLSR; licensed mortgage loan originators; applications for licensure; director's authority to contract with NMLSR
- § 37-2-4-25. Use of NMLSR in department's licensing system; reporting of information to NMLSR; confidentiality; director's authority to enter agreements; waiver of privilege; processing fee; electronic records
- § 37-2-4-26. Application for licenses; issuance; evidence of compliance; use of NMLSR; denial of application; right to hearing; fees; license not assignable or transferrable; tax warrant list
- § 37-2-4-27. National criminal history background check; fingerprints; payment of fees or costs; use of NMLSR
- § 37-2-4-28. Credit reports; payment of fees or costs; demonstrated financial responsibility; considerations
- § 37-2-4-29. Surety bond for creditors engaged in mortgage transactions; requirements; amount; termination; liability; notices
- § 37-2-4-30. Use of NMLSR in department's licensing system for subordinate lien mortgage transactions; reporting of information to NMLSR; confidentiality; director's authority to enter agreements; waiver of privilege processing fee; electronic records
- § 37-2-4-31. License renewal; revocation or suspension of license not renewed; reinstatement of appeal; correcting amendments
- § 37-2-4-32. Suspension or revocation of license; order to show cause; order of suspension or revocation; relinquishment of license; preexisting contracts; emergency order for revocation
- § 37-2-4-33. Record keeping; use of unique identifier on forms and documents; use of examination and regulatory software; submitting call reports to NMLSR; composite reports; notice to department of certain events or changes
- § 37-2-4-34. Automated loan machines
- § 37-2-4-35. Loan finance charge for supervised loans; precomputed supervised loans prohibited after June 30, 2020; nonrefundable prepaid finance charge; loan paid in full by new loan from same lender
- § 37-2-4-36. Use of multiple agreements
- § 37-2-4-37. Restrictions on interest in land as security
- § 37-2-4-38. Regular schedule of payments; maximum loan term
- § 37-2-4-39. Carrying on other business
- § 37-2-4-40. Change in control of creditor; application to department; timeframe for department's decision; conditions for approval; creditor's duty to report transfer of securities; director's discretion to require new license
- § 37-2-4-41. Loans subject to article by agreement of parties
- § 37-2-4-42. Loan finance charge; licensing and annual notice to department not required
- § 37-2-4-43. Limitation on default charges in consumer related loans
- § 37-2-4-44. Loan finance charge for other loans
- § 37-2-4-45. Required disclosures; liability on fraudulently cashed instruments
- § 37-2-4-46. Requirement to provide property tax information in certain transactions
- § 37-2-5-1. Application relation to credit insurance act
- § 37-2-5-2. Creditor's provisions of and charge for insurance; excess amount of charge
- § 37-2-5-3. Conditions applying to insurance to be provided by creditor
- § 37-2-5-4. Unconscionability
- § 37-2-5-5. Maximum charge by creditor for insurance; methods for calculating charge
- § 37-2-5-6. Prepayment by proceeds of consumer credit insurance; refund required; documentation; amount; interest; civil penalty
- § 37-2-5-7. Existing insurance; choice of insurer
- § 37-2-5-8. Charge for insurance connection with a deferral, refinancing, or consolidation; duplicate charges
- § 37-2-5-9. Cooperation between administrator and insurance commissioner
- § 37-2-5-10. Administrative action of commissioner of insurance
- § 37-2-5-11. Term of insurance
- § 37-2-5-12. Amount of insurance
- § 37-2-5-13. Filing and approval of rates and forms
- § 37-2-5-14. Property insurance
- § 37-2-5-15. Insurance on creditor's interest only
- § 37-2-5-16. Liability insurance
- § 37-2-5-17. Cancellation by creditor
- § 37-2-5-18. Refund of unearned premium for property insurance upon payment of loan
- § 37-2-6-0.1. Application of certain amendments
- § 37-2-6-1. Scope
- § 37-2-6-2. Restrictions on deficiency judgments in consumer credit sales
- § 37-2-6-3. No garnishment before judgment
- § 37-2-6-4. Limitation on garnishment and proceedings supplemental to execution; employer's fee
- § 37-2-6-5. No discharge from employment for garnishment
- § 37-2-6-6. Extortionate extensions of credit
- § 37-2-6-7. Unconscionability
- § 37-2-6-8. First lien mortgage transactions; civil liability for disclosure violations; debtor's right to rescind
- § 37-2-6-9. Effect of violations on rights of parties
- § 37-2-6-10. Civil liability for violation of disclosure provisions
- § 37-2-6-11. Debtor's right to rescind; accruing interest prohibited during rescission period; disbursement of proceeds
- § 37-2-6-12. Refunds and penalties as set-off to obligation
- § 37-2-6-13. Knowing violations
- § 37-2-6-14. Disclosure violations
- § 37-2-7-1. Applicability; "consumer credit sale"; "consumer loan"
- § 37-2-7-2. Administration by division of consumer credit
- § 37-2-7-3. Powers of department; reliance on rules
- § 37-2-7-4. Administrative powers with respect to depository institutions
- § 37-2-7-5. Department's examination and investigatory authority; record retention; director's authority to control access to records; court order compelling compliance; confidentiality; costs; vendors