REGULATED LENDERS

Access to, Commerce Department, Minn. Statutes 2024 56.10

Access to data

Delayed notice, order, Minn. Statutes 2024 13A.03

Exceptions from law, Minn. Statutes 2024 13A.04

Fees for copying, Minn. Statutes 2024 48.513

Generally, Minn. Statutes 2024 13A.02

Government assistance programs, Minn. Statutes 2024 13A.04

Notice to customer, contents, Minn. Statutes 2024 13A.02 to 13A.04

Subpoenas, Minn. Statutes 2024 13A.02, 13A.04

Use of information, Minn. Statutes 2024 13A.02, 13A.04

Accounting systems, Minn. Statutes 2024 56.11

Address, supplying to commissioner, Minn. Statutes 2024 45.0112

Advertising, regulations, Minn. Statutes 2024 56.12

Appropriations to, license application refunds, Minn. Statutes 2024 56.04

Articles of incorporation, filing with commerce commissioner, Minn. Statutes 2024 47.08

Assets, amount required, Minn. Statutes 2024 56.02, 56.04

Assignments

Cancellation and return, Minn. Statutes 2024 56.14

Compensation and salaries, Minn. Statutes 2024 56.16, 56.17

Attorney fees, Minn. Statutes 2024 56.131

Audits and examinations

Agreements with Commerce Department, Minn. Statutes 2024 56.10

Commerce commissioner, duties, Minn. Statutes 2024 46.04, 56.10

Fees, Minn. Statutes 2024 46.131, 56.02, 56.10

Frequency, Minn. Statutes 2024 46.04

Procedures, Minn. Statutes 2024 56.10

Requirements, generally, Minn. Statutes 2024 46.04

Board of directors, see Directors, trustees, officers under this topic

Bonds (officers and fiduciaries)

Characteristics, generally, Minn. Statutes 2024 45.0291

Relicensure, condition for, Minn. Statutes 2024 45.027

Certificates or policies, insurance, delivering copies to borrowers, Minn. Statutes 2024 56.155

Charges and rates

Adjustment, implicit price deflator, use in calculating, Minn. Statutes 2024 47.59, 56.131

Advertising, Minn. Statutes 2024 56.12

Contracts or statements, notice, Minn. Statutes 2024 56.14

Customer service communications terminals (kiosks), display, Minn. Statutes 2024 56.07

Disclosure, Minn. Statutes 2024 56.12

Finance charges, open-end loans, computing, Minn. Statutes 2024 56.125

Generally, Minn. Statutes 2024 56.131

Insurance, Minn. Statutes 2024 56.125, 56.155

Loans, Minn. Statutes 2024 56.131, 56.15

Schedules, display, Minn. Statutes 2024 56.14

Closing costs, loans, Minn. Statutes 2024 56.131

Commerce Department, rulemaking authority, Minn. Statutes 2024 46.01, 56.21

Computers

Comparison of data, Minn. Statutes 2024 13B.01 to 13B.05

Use for reporting, Minn. Statutes 2024 56.11

Confession of judgment, Minn. Statutes 2024 56.12

Conflict of laws, credit extension maximum rates, Minn. Statutes 2024 47.59

Contested cases

Appeals, Minn. Statutes 2024 56.23

Removal, directors, trustees, officers, Minn. Statutes 2024 46.26, 46.30

Violations of law, generally, Minn. Statutes 2024 46.24, 46.26, 46.30

Contracts and agreements

Credit sales or service, authority to make, Minn. Statutes 2024 56.132

Delivery, Minn. Statutes 2024 56.14

Examinations, agreements with Commerce Department, Minn. Statutes 2024 56.10

Validity, Minn. Statutes 2024 56.24

Credit insurance

Disability insurance, Minn. Statutes 2024 56.125, 56.155

Health and accident insurance, Minn. Statutes 2024 56.155

Involuntary unemployment insurance, Minn. Statutes 2024 56.125, 56.155

Life insurance, Minn. Statutes 2024 56.125, 56.155

Sales commissions, Minn. Statutes 2024 47.016

Credit sales or service contracts

Authority to make, Minn. Statutes 2024 56.132

Generally, Minn. Statutes 2024 47.59

Customer information security program, Minn. Statutes 2024 46A.01 to 46A.08

Customer service communications terminals, Minn. Statutes 2024 56.07

Dates, computing periods of time, Minn. Rules 2675.4170

Debt management services providers, exclusion, Minn. Statutes 2024 332A.02

Deferments, precomputed loans, installment payment, Minn. Statutes 2024 56.131

Definitions

Customer information security program, Minn. Statutes 2024 46A.01

Generally, Minn. Statutes 2024 56.001

Interest rates, Minn. Statutes 2024 334.02

Residential Mortgage Originator and Servicer Licensing Act, Minn. Statutes 2024 58.02

Unsafe practices, Minn. Statutes 2024 46.23

Directors, trustees, officers

Appointment by commissioner, temporary, Minn. Statutes 2024 46.29

Fines, violations of law, Minn. Statutes 2024 46.32

Quorum, lack caused by removal, Minn. Statutes 2024 46.29

Removal by commissioner, Minn. Statutes 2024 46.26

Service of process on, Minn. Statutes 2024 46.33

Violations and penalties, Minn. Statutes 2024 46.32, 56.19

Disclosure

Charges and rates, Minn. Statutes 2024 56.12

Finance charges, consumer loans and credit sales contracts, Minn. Statutes 2024 47.59

Insurance benefits, Minn. Statutes 2024 56.155

Electronic data processing, use for reporting, Minn. Statutes 2024 56.11

Electronic funds transfers, Minn. Statutes 2024 47.61 to 47.74

Examining, see Audits and examinations under this topic

Fees

Amount of, adjusting, Minn. Statutes 2024 56.131

Attorney fees, Minn. Statutes 2024 56.131

Document changes, Minn. Statutes 2024 46.131

Examinations, generally, Minn. Statutes 2024 46.131, 56.10

Investigations, generally, Minn. Statutes 2024 46.05, 56.02, 56.04

Licensing fees, Minn. Statutes 2024 56.02, 56.04, 56.08, 56.09

Loans, Minn. Statutes 2024 56.12

Records requested by government authorities, copying, Minn. Statutes 2024 48.513

Finance charges

Generally, Minn. Statutes 2024 47.59

Open-end loans, computing, Minn. Statutes 2024 56.125

Fines

Commerce Department, imposing, Minn. Statutes 2024 45.027

Loan and credit sale contract violations, Minn. Statutes 2024 47.59

Foreclosure of mortgages, attorney fees, Minn. Statutes 2024 56.131

Foreclosure solicitors, exclusion, Minn. Statutes 2024 325N.01

Funds and accounts, loan accounts, Minn. Rules 2675.4140, 2675.4160

Gross misdemeanors, Minn. Statutes 2024 56.19

Hearings, license revocation, Minn. Statutes 2024 56.09

Homeowners insurance, Minn. Statutes 2024 56.155

Homesteads

Contracts surrendering, Minn. Statutes 2024 56.125

Loans for, Minn. Statutes 2024 56.12

Hours, open for business, Minn. Statutes 2024 56.07

Injunctions, Commerce Department, issuing by, Minn. Statutes 2024 45.027

Installment payments, precomputed loans, Minn. Statutes 2024 56.131

Insurance

Generally, Minn. Statutes 2024 56.155

Premiums, Minn. Statutes 2024 56.155, 59A.03

Providing, Minn. Statutes 2024 56.125

Insurance premium finance agreements, Minn. Statutes 2024 59A.03

Interest rates

Adjustment, implicit price deflator, Minn. Statutes 2024 47.59, 56.131

Amount, Minn. Statutes 2024 56.12

Contracting for and receiving, Minn. Statutes 2024 56.131

Installment loans, Minn. Statutes 2024 48.153

Limiting, Minn. Statutes 2024 48.195, 56.15

Loans, limitations, Minn. Statutes 2024 48.195

Precomputed loans, charging, Minn. Statutes 2024 56.131

Types of, Minn. Statutes 2024 56.16

Usurious interest, Minn. Statutes 2024 48.196, 334.02, 334.03

Interpretive opinions by commissioner, Minn. Statutes 2024 56.10

Investigations

Commerce Department powers, generally, Minn. Statutes 2024 45.027, 46.05, 56.10

Fees, Minn. Statutes 2024 46.05

License applications, investigating, Minn. Statutes 2024 56.02, 56.04

Kiosks, interactive, Minn. Statutes 2024 56.07

Lawsuits

Examination fees, recovering, Minn. Statutes 2024 56.10

Loan and credit sale contract violations, Minn. Statutes 2024 47.59

Liability

Commerce Department, Minn. Statutes 2024 56.25

Mortgage loans, unreasonable delay in closing, penalties, Minn. Statutes 2024 325F.691

Licenses

Altering, Minn. Statutes 2024 56.22

Amending, Minn. Statutes 2024 56.07

Applications for, Minn. Statutes 2024 56.02

Canceling, Minn. Statutes 2024 56.22

Contents, Minn. Statutes 2024 56.05

Customer service communications terminals (kiosks), Minn. Statutes 2024 56.07

Denying, Minn. Statutes 2024 45.027, 56.04, 56.09

Effective date, Minn. Statutes 2024 56.09

Exemptions, Minn. Statutes 2024 56.002

Fees, see same under this topic

Generally, Minn. Statutes 2024 56.01, 56.18, 56.26

Issuing, Minn. Statutes 2024 56.04, 56.09

Motor vehicle sales finance company licenses, Minn. Statutes 2024 53C.02

Number of businesses per license, Minn. Statutes 2024 56.07

Posting, Minn. Statutes 2024 56.05

Reciprocity, Minn. Statutes 2024 45.0292

Reinstating, Minn. Statutes 2024 45.027, 56.09

Revoking or suspending, Minn. Statutes 2024 45.027, 56.09

Surrendering, Minn. Statutes 2024 56.09

Transferring, Minn. Statutes 2024 56.05

Violations and penalties, Minn. Statutes 2024 56.19

Licenses, officer or manager, Minn. Rules 2675.4150

Liens

Loans secured by, Minn. Statutes 2024 56.12, 56.125

Validity, Minn. Statutes 2024 56.17

Life insurance, Minn. Statutes 2024 56.125, 56.155

Liquid assets, amount required, Minn. Statutes 2024 56.02, 56.04

Loan accounts

Disposition to unlicensed persons, Minn. Rules 2675.4140

Notice of purchase and sale, Minn. Rules 2675.4140

Transferred accounts, retention of records, Minn. Rules 2675.4160

Loans

Adjustment of charges and rates, implicit price deflator, use in calculating, Minn. Statutes 2024 47.59, 56.131

Applications for, place of acceptance, Minn. Rules 2675.4100

Charges and rates, Minn. Statutes 2024 56.131, 56.15

Closing costs, Minn. Statutes 2024 47.59, 56.131

Consideration, limiting, Minn. Statutes 2024 56.15

Consumer protection, Minn. Statutes 2024 46A.01 to 46A.08, 47.59

Consumer short-term loans, Minn. Statutes 2024 47.601, 56.131

Consumer small loans, Minn. Statutes 2024 46A.01 to 46A.08, 47.60, 47.603, 56.131

Contracts, Minn. Statutes 2024 56.14, 56.24

Conversion to interest bearing balance, Minn. Statutes 2024 47.59

Credit card plans, Minn. Statutes 2024 56.125

Credit insurance, Minn. Statutes 2024 47.59

Delinquency charges, Minn. Statutes 2024 47.59

Discounts, limiting, Minn. Statutes 2024 56.15

Enforcing, Minn. Statutes 2024 56.18, 56.19

Fees, Minn. Statutes 2024 56.12

Finance charges, Minn. Statutes 2024 47.59, 56.125, 56.131

Generally, Minn. Statutes 2024 56.131

Insurance, Minn. Statutes 2024 56.155

Interest rates, see same under this topic

Liability insurance, Minn. Statutes 2024 47.59

Mail, loans by mail, Minn. Statutes 2024 56.12

Maximum loans, multiple offices, Minn. Rules 2675.4110

Mortgage insurance, Minn. Statutes 2024 47.59

Mortgages, see same under this topic

Motor vehicle title loans, Minn. Statutes 2024 47.602

Official fees, Minn. Statutes 2024 47.59

Open-end loans, Minn. Statutes 2024 56.125

Payday loans, Minn. Statutes 2024 47.60, 47.601, 47.603

Principal, original amount, administration fees exclusion, Minn. Statutes 2024 47.59

Proceeds of, Minn. Statutes 2024 56.12

Promissory notes, contents, Minn. Statutes 2024 56.12

Property insurance, Minn. Statutes 2024 47.59

Receipts, delivery, Minn. Statutes 2024 56.14

Repayment, Minn. Statutes 2024 56.14

Secured transactions, Minn. Statutes 2024 56.12, 56.125, 56.131, 56.155

Types of, Minn. Statutes 2024 56.16

Violations and penalties, Minn. Statutes 2024 47.59

Location of business, Minn. Statutes 2024 56.07

Managers or managing officers, Minn. Rules 2675.4150

Manufactured home sales, finance charges, Minn. Statutes 2024 47.59

Minnesota Regulated Loan Act, Minn. Statutes 2024 56.0001

Mortgages

Contents, Minn. Statutes 2024 56.12

Foreclosure, attorney fees, Minn. Statutes 2024 56.131

Release, Minn. Statutes 2024 56.125, 56.14

Unreasonable delay in closing, penalties, Minn. Statutes 2024 325F.691

Motor vehicle retail installment sales contracts, finance charges, Minn. Statutes 2024 47.59

Names, Minn. Statutes 2024 56.12

Nationwide Multistate Licensing System and Registry, Minn. Statutes 2024 56.02

Notes

Cancellation and return, Minn. Statutes 2024 56.14

Contents, Minn. Statutes 2024 56.12

Notice given

Loan accounts, purchase and sale, Minn. Rules 2675.4140

Managers or managing officers, changes, Minn. Rules 2675.4150

Oaths

Annual reports, Minn. Statutes 2024 56.11

Assignment of wages, Minn. Statutes 2024 56.17

License applications, Minn. Statutes 2024 56.02

Testimony, examinations, Minn. Statutes 2024 56.10

Obligations, collecting, Minn. Statutes 2024 56.25

Officers, see Directors, trustees, officers under this topic

Offices

Licensed office, Minn. Rules 2675.4100

Multiple offices, maximum loans, Minn. Rules 2675.4110

Orders

Directors, officers, trustees, removal from office, Minn. Statutes 2024 46.26

Unsafe or unsound practices, cease and desist orders, Minn. Statutes 2024 46.24

Place of business, Minn. Statutes 2024 56.07, 56.12

Pledges, restoring, Minn. Statutes 2024 56.14

Posting (notices)

Business hours, Minn. Statutes 2024 56.07

Licenses, Minn. Statutes 2024 56.05

Power of attorney, Minn. Statutes 2024 56.12

Premiums, insurance, Minn. Statutes 2024 56.155

Promises to pay, contents, Minn. Statutes 2024 56.12

Promissory notes, contents, Minn. Statutes 2024 56.12

Property insurance, requiring, Minn. Statutes 2024 56.155

Real estate closings, place, Minn. Statutes 2024 56.12

Real estate licensure, exemptions, Minn. Statutes 2024 82.56

Receipts (documents), loans, Minn. Statutes 2024 56.14

Records and record keeping

Access by government authorities, Minn. Statutes 2024 13A.02 to 13A.04, 48.513

Customer service communications terminals (kiosks), Minn. Statutes 2024 56.07

Electronic maintenance and storage, Minn. Statutes 2024 46.04, 56.14

Examining by Commerce Department, Minn. Statutes 2024 56.10, 56.11

Optical image storage systems, Minn. Statutes 2024 46.04

Retention and disposition, Minn. Statutes 2024 56.11

Records and record keeping, transferred loan accounts, retention of records, Minn. Rules 2675.4160

Reference base index, revision, Minn. Statutes 2024 56.131

Reports given

Commerce Department, Minn. Statutes 2024 56.11

Transactions, regulated, Minn. Statutes 2024 45.027

Residential mortgage originator and servicer licenses, exemptions, Minn. Statutes 2024 58.04, 58.05

Responsibility, to Commerce Department, Minn. Statutes 2024 56.25

Rulemaking about, Minn. Statutes 2024 46.01, 56.12, 56.21

Safes, access to, by Commerce Department, Minn. Statutes 2024 56.10

Schedules, charges and rates, display, Minn. Statutes 2024 56.14

Secured transactions

Loans, Minn. Statutes 2024 56.12, 56.125, 56.131, 56.155

Types of, Minn. Statutes 2024 56.16, 56.17

Security agreements, Minn. Statutes 2024 56.17, 336.9-201

Security interests, release, Minn. Statutes 2024 56.14

Service of process on, procedure, Commerce Department, Minn. Statutes 2024 45.028

Statements, Truth-in-lending Act, delivery, Minn. Statutes 2024 56.14

Statutes of limitations, violations, Minn. Statutes 2024 56.19

Subsidiaries

Defined as financial institutions, Minn. Statutes 2024 58.02

Residential mortgage originator and servicer licenses, exemptions, Minn. Statutes 2024 58.04, 58.05

Supervision, Commerce Department powers, generally, Minn. Statutes 2024 46.05

Telephone numbers, supplying to commissioner, Minn. Statutes 2024 45.0112

Time, computing periods of time, Minn. Rules 2675.4170

Trustees, see Directors, trustees, officers under this topic

Truth-in-lending Act

Charges and rates, disclosure, Minn. Statutes 2024 56.12

Statements, delivery, Minn. Statutes 2024 56.14

Unlicensed lenders, Minn. Statutes 2024 56.19

Usury, Minn. Statutes 2024 56.18, 334.20

Vaults, access to, by Commerce Department, Minn. Statutes 2024 56.10

Violations and penalties

Consumer small loan regulations, Minn. Statutes 2024 47.60, 47.603

Credit sale contract violations, Minn. Statutes 2024 47.59

Directors, trustees, officers, violations, generally, Minn. Statutes 2024 46.26

Disobeying commerce commissioner's orders, Minn. Statutes 2024 46.06

Disobeying laws, generally, Minn. Statutes 2024 46.24

Generally, Minn. Statutes 2024 45.027, 56.19

Gross misdemeanors, Minn. Statutes 2024 56.19

Loan finance charge violations, Minn. Statutes 2024 47.59

Unsafe practices, Minn. Statutes 2024 46.24

Usurious interest, Minn. Statutes 2024 48.196