Title 44 — Trade and Commerce
37 chapters · 786 sections in this title.
A.R.S. § 44-281 Definitions
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In this article, unless the context otherwise requires: 1. "Administrator" means the deputy director of the financial institutions division of the department of insurance and financial institutions. 2. "Cash sale price" means the price stated in a retail installment contract for …
A.R.S. § 44-282 Licensing of sales finance companies required; penalty
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A. A person shall not engage in the business of a sales finance company in this state without a sales finance company license as provided in this article. A motor vehicle dealer shall not sell or transfer any contract to a person in this state not licensed under the terms of this…
A.R.S. § 44-283 Denial, suspension or revocation of licenses
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A. The administrator may deny a license applied for under this chapter or suspend or revoke a license issued under this chapter on any of the following grounds: 1. Material misstatement in the application for a license. 2. A violation, either knowingly or without the exercise of …
A.R.S. § 44-286 Requirements and prohibitions as to retail installment contracts
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A. A retail installment contract shall be in writing, shall be signed by both the buyer and the seller and shall be completed as to all essential provisions prior to the signing of the contract by the buyer. The printed portion of the contract, other than instructions for complet…
A.R.S. § 44-287 Contents of contract
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A. The contract shall contain the names of the seller and the buyer, the place of business of the seller, the residence or place of business of the buyer as specified by the buyer and a description of the motor vehicle including its make, year, model and identification number or …
A.R.S. § 44-288 Insurance provisions of contract
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A. The amount, if any, included for insurance, which may be purchased by the holder of the retail installment contract, shall not exceed the applicable premiums chargeable in accordance with the rates filed with the director of the department of insurance and financial institutio…
A.R.S. § 44-289 Delinquent contract; recovery; transfer fees; blank spaces in contract
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A. If the contract or refinancing agreement so provides, the holder may, as to any delinquent contract, recover one or more of the following: 1. A reasonable amount for the holder's cost of collection. 2. Attorney's fees in a reasonable amount where such contract is referred for …
A.R.S. § 44-290 Amount of payments; waiver of remedies
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A. Upon written request from the buyer, the holder of a retail installment contract shall give or forward to the buyer a written statement of the dates and amounts of payments and the total amount unpaid under such contract. A buyer shall be given a written receipt for any paymen…
A.R.S. § 44-291 Computation of interest; prepayment rebate; additional charges; secondary motor vehicle finance transaction; definitions
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A. Except as provided in subsections G and H of this section, under a retail installment contract it is lawful to charge and receive interest not to exceed the maximum rate set by contract. B. The finance charge may be computed either at a single annual percentage rate using the …
A.R.S. § 44-293 Motor vehicle; refinancing retail installment contract
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A. The holder of a contract, upon request by the buyer, may extend the scheduled due date of all or any part of any installment or installments, defer payment or payments, renew or restate the unpaid time balance of such contract, the amount of the installments and the time sched…
A.R.S. § 44-294 Records
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[Repealed or reserved.]
A.R.S. § 44-295 Penalties
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Any person wilfully violating any provision of this chapter relating to the provisions of a contract shall not receive or retain any finance, delinquency or collection charge on the contract.