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Definitions; construction. Requirements for retail installment contracts; limitations on time price differential; prepayment; inclusion of construction permit costs. Requirements for revolving accounts; limitations on time price differential. Retail installment contracts entered into by mail or telephone. Buyer’s right to cancel home solicitation sale. Providing for payment of delinquency charges, attorneys’ fees, court costs, and bad instrument fees. Limitations on security interest; application of payments to revolving accounts. Transfer of retail installment contracts or revolving accounts. Disposition of goods repossessed after default; right to recover deficiency. Second mortgage statutes not affected; exemption from loan and interest statutes. Prior contracts or accounts not affected. Waiver of this article void. Limitation of actions. Criminal and civil penalties. Inapplicability of this article to educational entities and student loan transactions. 10-1-23. 10-1-24. 10-1-25. 10-1-26. 10-1-27. Article 2 Motor Vehicle Sales Financing 10-1-30. 10-1-31. 10-1-32. 10-1-33. 10-1-33.1. 10-1-34. 10-1-35. 10-1-36. 10-1-36.1. 10-1-37. 10-1-38. 10-1-39. 10-1-40. Article 1A Door-to-Door Sales 10-1-20. Definitions.