REGULATED LENDERS

Access to data

Conditions of access, Minn. Statutes 2004 13A.02

Data classification, Minn. Statutes 2004 13A.02

Delayed notice, order, Minn. Statutes 2004 13A.03

Duties, generally, Minn. Statutes 2004 13A.02

Exceptions from law, Minn. Statutes 2004 13A.04

Fees for copying, Minn. Statutes 2004 48.513

Government assistance programs, Minn. Statutes 2004 13A.04

Notice to customer, contents, Minn. Statutes 2004 13A.02 to 13A.04

Search warrants, Minn. Statutes 2004 13A.02

Subpoenas, Minn. Statutes 2004 13A.02, 13A.04

Transfer of records, Minn. Statutes 2004 13A.02

Use of information, Minn. Statutes 2004 13A.02, 13A.04

Access to, Commerce Department, Minn. Statutes 2004 56.10

Accounting systems, Minn. Statutes 2004 56.11

Address, supplying to commissioner, Minn. Statutes 2004 45.0112

Advertising, regulations, Minn. Statutes 2004 56.12

Agreements by, examinations

Agreements with Commerce Department, Minn. Statutes 2004 56.10

Application of law

Exemptions, Minn. Statutes 2004 56.002

Interpretive opinions by commissioner, Minn. Statutes 2004 56.10

Loans and credit sale contracts, interest rates and charges, Minn. Statutes 2004 47.59

Security agreements, Minn. Statutes 2004 336.9-201

Usurious interest, Minn. Statutes 2004 334.02, 334.03, 334.20

Appropriations to, license application refunds, Minn. Statutes 2004 56.04

Articles of incorporation

Filing with commerce commissioner, Minn. Statutes 2004 47.08

Assets, amount required, Minn. Statutes 2004 56.02, 56.04

Assignments

Cancellation and return, Minn. Statutes 2004 56.14

Compensation and salaries, Minn. Statutes 2004 56.16, 56.17

Attorney fees, Minn. Statutes 2004 56.131

Audits and examinations

Agreements with Commerce Department, Minn. Statutes 2004 56.10

Commerce commissioner, duties, Minn. Statutes 2004 46.04, 56.10

Fees, Minn. Statutes 2004 46.131, 56.02, 56.10

Frequency, Minn. Statutes 2004 46.04

Procedures, Minn. Statutes 2004 56.10

Requirements, generally, Minn. Statutes 2004 46.04

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

Bonds (officers and fiduciaries)

Characteristics, generally, Minn. Statutes 2004 45.0291

Relicensure, condition for, Minn. Statutes 2004 45.027

Certificates or policies

Insurance, delivering copies to borrowers, Minn. Statutes 2004 56.155

Charges and rates

Adjustment, implicit price deflator, use in calculating, Minn. Statutes 2004 47.59, 56.131

Advertising, Minn. Statutes 2004 56.12

Closing costs, loans, Minn. Statutes 2004 56.131

Contracts or statements, notice, Minn. Statutes 2004 56.14

Customer service communications terminals (kiosks), display, Minn. Statutes 2004 56.07

Default charges, precomputed loans, Minn. Statutes 2004 56.131

Disclosure, Minn. Statutes 2004 56.12

Finance charges, open-end loans, computing, Minn. Statutes 2004 56.125

Insurance, Minn. Statutes 2004 56.125, 56.155

Loans, Minn. Statutes 2004 56.131, 56.15

One-time loan administration fee, Minn. Statutes 2004 56.131

Precomputed loans, Minn. Statutes 2004 56.131

Schedules, display, Minn. Statutes 2004 56.14

Closing costs, loans, Minn. Statutes 2004 56.131

Computers

Comparison of data, Minn. Statutes 2004 13B.01 to 13B.05

Use for reporting, Minn. Statutes 2004 56.11

Confession of judgment, Minn. Statutes 2004 56.12

Conflict of laws, credit extension maximum rates, Minn. Statutes 2004 47.59

Contested cases

Appeals, Minn. Statutes 2004 56.23

Removal, directors, trustees, officers, Minn. Statutes 2004 46.26, 46.30

Violations of law, generally, Minn. Statutes 2004 46.24, 46.26, 46.30

Contracts

Credit sales or service, authority to make, Minn. Statutes 2004 56.132

Delivery, Minn. Statutes 2004 56.14

Validity, Minn. Statutes 2004 56.24

Credit insurance

Disability insurance, Minn. Statutes 2004 56.125, 56.155

Health and accident insurance, Minn. Statutes 2004 56.155

Involuntary unemployment insurance, Minn. Statutes 2004 56.125, 56.155

Life insurance, Minn. Statutes 2004 56.125, 56.155

Sales commissions, Minn. Statutes 2004 47.016

Credit sales or service contracts

Authority to make, Minn. Statutes 2004 56.132

Generally, Minn. Statutes 2004 47.59

Customer service communications terminals, Minn. Statutes 2004 56.07

Debt prorating companies, exclusion, Minn. Statutes 2004 332.13

Deferments, precomputed loans, installment payment, Minn. Statutes 2004 56.131

Definitions

Consumer small loans, Minn. Statutes 2004 47.60

Financial institution credit extension maximum rates, Minn. Statutes 2004 47.59

Generally, Minn. Statutes 2004 56.001

Interest rates, Minn. Statutes 2004 334.02

Open end loans, Minn. Statutes 2004 56.125

Residential Mortgage Originator and Servicer Licensing Act, Minn. Statutes 2004 58.02

Unsafe practices, Minn. Statutes 2004 46.23

Usury, Minn. Statutes 2004 334.03

Directors, trustees, officers

Appointment by commissioner, temporary, Minn. Statutes 2004 46.29

Fines, violations of law, Minn. Statutes 2004 46.32

Quorum, lack caused by removal, Minn. Statutes 2004 46.29

Removal by commissioner, Minn. Statutes 2004 46.26

Service of process on, Minn. Statutes 2004 46.33

Violations and penalties, Minn. Statutes 2004 46.32, 56.19

Disclosure

Charges and rates, Minn. Statutes 2004 56.12

Finance charges, consumer loans and credit sales contracts, Minn. Statutes 2004 47.59

Insurance benefits, Minn. Statutes 2004 56.155

Electronic data processing, use for reporting, Minn. Statutes 2004 56.11

Electronic funds transfers, see ELECTRONIC FUNDS TRANSFER TERMINALS

Examining, see Audits and examinations under this topic

Fees

Amount of, adjusting, Minn. Statutes 2004 56.131

Attorney fees, Minn. Statutes 2004 56.131

Document changes, Minn. Statutes 2004 46.131

Examinations, generally, Minn. Statutes 2004 46.131, 56.10

Investigations, generally, Minn. Statutes 2004 46.05, 56.02, 56.04

Licensing fees, Minn. Statutes 2004 56.02, 56.04, 56.08, 56.09

Loans, Minn. Statutes 2004 56.12

Records requested by government authorities, copying, Minn. Statutes 2004 48.513

Finance charges

Generally, Minn. Statutes 2004 47.59

Open-end loans, computing, Minn. Statutes 2004 56.125

Financial institutions, regulated lenders defined as, Minn. Statutes 2004 47.59

Fines

Commerce Department, imposing, Minn. Statutes 2004 45.027

Loan and credit sale contract violations, Minn. Statutes 2004 47.59

Foreclosure consultants, exclusion, Minn. Statutes 2004 325N.01

Foreclosure of mortgages, attorney fees, Minn. Statutes 2004 56.131

Gross misdemeanors, Minn. Statutes 2004 56.19

Hearings, license revocation, Minn. Statutes 2004 56.09

Homeowners insurance, Minn. Statutes 2004 56.155

Homesteads

Contracts surrendering, Minn. Statutes 2004 56.125

Loans for, Minn. Statutes 2004 56.12

Hours, open for business, Minn. Statutes 2004 56.07

Injunctions, Commerce Department, issuing by, Minn. Statutes 2004 45.027

Installment payments, precomputed loans, Minn. Statutes 2004 56.131

Insurance

Generally, Minn. Statutes 2004 56.155

Premiums, Minn. Statutes 2004 56.155, 59A.03

Providing, Minn. Statutes 2004 56.125

Insurance premium finance agreements, Minn. Statutes 2004 59A.03

Interest rates

Adjustment, implicit price deflator, Minn. Statutes 2004 47.59, 56.131

Advertising, Minn. Statutes 2004 45.025

Amount, Minn. Statutes 2004 56.12

Contracting for and receiving, Minn. Statutes 2004 56.131

Installment loans, Minn. Statutes 2004 48.153

Limiting, Minn. Statutes 2004 48.195, 56.15

Loans, limitations, Minn. Statutes 2004 48.195

Precomputed loans, charging, Minn. Statutes 2004 56.131

Types of, Minn. Statutes 2004 56.16

Usurious interest, penalty, Minn. Statutes 2004 48.196

Interpretation of law, loans and credit sale contracts, interest rates and charges, Minn. Statutes 2004 47.59

Interpretive opinions by commissioner, Minn. Statutes 2004 56.10

Investigations

Commerce Department powers, generally, Minn. Statutes 2004 45.027, 46.05, 56.10

Fees, Minn. Statutes 2004 46.05

License applications, investigating, Minn. Statutes 2004 56.02, 56.04

Kiosks, interactive, Minn. Statutes 2004 56.07

Lawsuits

Examination fees, recovering, Minn. Statutes 2004 56.10

Loan and credit sale contract violations, Minn. Statutes 2004 47.59

Lenders, definitions

Interest rates, Minn. Statutes 2004 334.02

Usury, Minn. Statutes 2004 334.03

Liability

Commerce Department, Minn. Statutes 2004 56.25

Mortgage loans, unreasonable delay in closing, penalties, Minn. Statutes 2004 325F.691

Licenses

Altering, Minn. Statutes 2004 56.22

Amending, Minn. Statutes 2004 56.07

Applications for, Minn. Statutes 2004 56.02

Canceling, Minn. Statutes 2004 56.22

Contents, Minn. Statutes 2004 56.05

Customer service communications terminals (kiosks), Minn. Statutes 2004 56.07

Denying, Minn. Statutes 2004 45.027, 56.04, 56.09

Effective date, Minn. Statutes 2004 56.09

Exemptions, Minn. Statutes 2004 56.002

Fees, see same under this topic

Generally, Minn. Statutes 2004 56.01, 56.18, 56.26

Issuing, Minn. Statutes 2004 56.04, 56.09

Motor vehicle sales finance company licenses, Minn. Statutes 2004 168.67

Number of businesses per license, Minn. Statutes 2004 56.07

Posting, Minn. Statutes 2004 56.05

Reciprocity, Minn. Statutes 2004 45.0292

Reinstating, Minn. Statutes 2004 45.027, 56.09

Revoking or suspending, Minn. Statutes 2004 45.027, 56.09

Surrendering, Minn. Statutes 2004 56.09

Temporary, Minn. Statutes 2004 45.0111

Transferring, Minn. Statutes 2004 56.05

Violations and penalties, Minn. Statutes 2004 56.19

Liens

Loans secured by, Minn. Statutes 2004 56.12, 56.125

Validity, Minn. Statutes 2004 56.17

Life insurance, Minn. Statutes 2004 56.125, 56.155

Liquid assets, amount required, Minn. Statutes 2004 56.02, 56.04

Loans

Adjustment of charges and rates, implicit price deflator, use in calculating, Minn. Statutes 2004 47.59, 56.131

Appraisal fees, Minn. Statutes 2004 56.131

Charges and rates, Minn. Statutes 2004 56.131, 56.15

Closing costs, Minn. Statutes 2004 47.59, 56.131

Consideration, limiting, Minn. Statutes 2004 56.15

Consumer protection, Minn. Statutes 2004 47.59

Consumer small loans, Minn. Statutes 2004 47.60

Contracts, Minn. Statutes 2004 56.14, 56.24

Conversion to interest bearing balance, Minn. Statutes 2004 47.59

Credit card plans, Minn. Statutes 2004 56.125

Credit insurance, Minn. Statutes 2004 47.59

Delinquency charges, Minn. Statutes 2004 47.59

Discount points, Minn. Statutes 2004 56.131

Discounts, limiting, Minn. Statutes 2004 56.15

Enforcing, Minn. Statutes 2004 56.18, 56.19

Fees, Minn. Statutes 2004 56.12

Finance charges, Minn. Statutes 2004 47.59, 56.125, 56.131

Insurance, Minn. Statutes 2004 56.155

Interest rates, see same under this topic

Interest-bearing loans, computing, Minn. Statutes 2004 56.131

Liability insurance, Minn. Statutes 2004 47.59

Mail, loans by mail, Minn. Statutes 2004 56.12

Mortgage insurance, Minn. Statutes 2004 47.59

Mortgages, see same under this topic

Official fees, Minn. Statutes 2004 47.59

Open-end loans, Minn. Statutes 2004 56.125

Payday loans, Minn. Statutes 2004 47.60

Precomputed loans, computing, Minn. Statutes 2004 56.131

Prepayment, Minn. Statutes 2004 56.131, 56.14

Principal, original amount, administration fees exclusion, Minn. Statutes 2004 47.59

Proceeds of, Minn. Statutes 2004 56.12

Promissory notes, contents, Minn. Statutes 2004 56.12

Property insurance, Minn. Statutes 2004 47.59

Receipts, delivery, Minn. Statutes 2004 56.14

Refinancing, charges, Minn. Statutes 2004 56.131

Repayment, Minn. Statutes 2004 56.14

Secured transactions, Minn. Statutes 2004 56.12, 56.125, 56.131, 56.155

Splitting, Minn. Statutes 2004 56.131

Types of, Minn. Statutes 2004 56.16

Violations and penalties, Minn. Statutes 2004 47.59

Location of business, Minn. Statutes 2004 56.07

Manufactured home sales, finance charges, Minn. Statutes 2004 47.59

Minnesota Regulated Loan Act, Minn. Statutes 2004 56.0001

Mortgages

Contents, Minn. Statutes 2004 56.12

Foreclosure, attorney fees, Minn. Statutes 2004 56.131

Release, Minn. Statutes 2004 56.125, 56.14

Unreasonable delay in closing, penalties, Minn. Statutes 2004 325F.691

Motor vehicle retail installment sales contracts

Finance charges, Minn. Statutes 2004 47.59

Names, Minn. Statutes 2004 56.12

Notes

Cancellation and return, Minn. Statutes 2004 56.14

Contents, Minn. Statutes 2004 56.12

Notice given

Address and telephone number, Minn. Statutes 2004 45.0112

Business hours, to commissioner, Minn. Statutes 2004 56.07

Prepayment, more than three installments, Minn. Statutes 2004 56.14

Notice received

Application denials, Minn. Statutes 2004 56.04

Suspension of license, Minn. Statutes 2004 56.09

Oaths

Annual reports, Minn. Statutes 2004 56.11

Assignment of wages, Minn. Statutes 2004 56.17

License applications, Minn. Statutes 2004 56.02

Testimony, examinations, Minn. Statutes 2004 56.10

Obligations, collecting, Minn. Statutes 2004 56.25

Officers, see Directors, trustees, officers under this topic

Orders

Directors, officers, trustees, removal from office, Minn. Statutes 2004 46.26

Unsafe or unsound practices, cease and desist orders, Minn. Statutes 2004 46.24

Place of business, Minn. Statutes 2004 56.07, 56.12

Pledges, restoring, Minn. Statutes 2004 56.14

Posting (notices)

Business hours, Minn. Statutes 2004 56.07

Licenses, Minn. Statutes 2004 56.05

Power of attorney, Minn. Statutes 2004 56.12

Premiums, insurance, Minn. Statutes 2004 56.155

Promises to pay, contents, Minn. Statutes 2004 56.12

Promissory notes, contents, Minn. Statutes 2004 56.12

Property insurance, requiring, Minn. Statutes 2004 56.155

Real estate closings, place, Minn. Statutes 2004 56.12

Real estate licensure, exemptions, Minn. Statutes 2004 82.23

Receipts (documents), loans, Minn. Statutes 2004 56.14

Records and record keeping

Access by government authorities, Minn. Statutes 2004 13A.02 to 13A.04, 48.513

Customer service communications terminals (kiosks), Minn. Statutes 2004 56.07

Electronic maintenance and storage, Minn. Statutes 2004 46.04, 56.14

Examining by Commerce Department, Minn. Statutes 2004 56.10, 56.11

Optical image storage systems, Minn. Statutes 2004 46.04

Retention and disposition, Minn. Statutes 2004 56.11

Reference base index

Implicit price deflator for gross domestic product defined as, Minn. Statutes 2004 47.59

Revision, Minn. Statutes 2004 56.131

Reports given

Commerce Department, Minn. Statutes 2004 56.11

Transactions, regulated, Minn. Statutes 2004 45.027

Residential mortgage originator and servicer licenses, exemptions, Minn. Statutes 2004 58.04, 58.05

Responsibility, to Commerce Department, Minn. Statutes 2004 56.25

Rulemaking about, Minn. Statutes 2004 46.01, 56.12, 56.21

Safes, access to, by Commerce Department, Minn. Statutes 2004 56.10

Schedules, charges and rates, display, Minn. Statutes 2004 56.14

Secured transactions

Loans, Minn. Statutes 2004 56.12, 56.125, 56.131, 56.155

Types of, Minn. Statutes 2004 56.16, 56.17

Security agreements, validity, Minn. Statutes 2004 56.17

Security interests, release, Minn. Statutes 2004 56.14

Service of process on

Procedure, Commerce Department, Minn. Statutes 2004 45.028

Statements, Truth-in-lending Act, delivery, Minn. Statutes 2004 56.14

Statutes of limitations, violations, Minn. Statutes 2004 56.19

Subsidiaries

Defined as financial institutions, Minn. Statutes 2004 58.02

Residential mortgage originator and servicer licenses, exemptions, Minn. Statutes 2004 58.04, 58.05

Supervision

Commerce Department powers, generally, Minn. Statutes 2004 46.05

Telephone numbers, supplying to commissioner, Minn. Statutes 2004 45.0112

Trustees, see Directors, trustees, officers under this topic

Truth-in-lending Act

Charges and rates, disclosure, Minn. Statutes 2004 56.12

Statements, delivery, Minn. Statutes 2004 56.14

Unlicensed lenders, Minn. Statutes 2004 56.19

Usury, Minn. Statutes 2004 56.18

Vaults, access to, by Commerce Department, Minn. Statutes 2004 56.10

Violations and penalties

Advertising, Minn. Statutes 2004 56.12

Consumer small loan regulations, Minn. Statutes 2004 47.60

Credit sale contract violations, Minn. Statutes 2004 47.59

Directors, trustees, officers, violations, generally, Minn. Statutes 2004 46.26

Disobeying commerce commissioner's orders, Minn. Statutes 2004 46.06

Disobeying laws, generally, Minn. Statutes 2004 46.24

Generally, Minn. Statutes 2004 45.027, 56.09, 56.19

Gross misdemeanors, Minn. Statutes 2004 56.19

Loan finance charge violations, Minn. Statutes 2004 47.59

Mortgage loans, unreasonable delay in closing, Minn. Statutes 2004 325F.691

Unsafe practices, Minn. Statutes 2004 46.24

Usurious interest, Minn. Statutes 2004 48.196