New Jersey § 12a:9-201

§ 12a:9-201.

(a) General effectiveness. Except as otherwise provided in the Uniform Commercial Code, a security agreement

is effective according to its terms between the parties, against purchasers of the

collateral, and against creditors. (b) Applicable consumer laws and other law. A transaction subject to this chapter is subject to any applicable rule of law which

establishes a different rule for consumers and to (1) any other statute or regulation of this State that regulates the rates, charges, agreements, and practices for loans, credit sales,

or other extensions of credit and (2) any consumer protection statute or regulation of this State . (c) Other applicable law controls. In case of conflict between this chapter and a rule of law, statute, or regulation

described in subsection (b) , the rule of law, statute, or regulation controls. Failure to comply with a statute or regulation described in subsection (b) has only the effect the statute or regulation specifies. (d) Further deference to other applicable law. This chapter does not: (1) validate any rate, charge, agreement, or practice that violates a rule of law,

statute, or regulation described in subsection (b) ; or (2) extend the application of the rule of law, statute, or regulation to a transaction

not otherwise subject to it.