Title 28, COMMERCIAL TRANSACTIONS

28-41-105. Severability. If any provision of this act or the application thereof to any person or circumstances is held invalid, the invalidity does not affect other provisions or applications of this act which can be given effect without the invalid provision or application, and…

28-41-106. Waiver — Agreement to forgo rights — Settlement of claims. (1) Except as otherwise provided in this act, a debtor may not waive or agree to forgo rights or benefits under this act. (2) A claim by a debtor against a creditor for an excess charge, other violation of this…

28-41-107. Effect of act on powers of organizations. (1) This act prescribes maximum charges for all creditors, except those excluded under section 28-41-202, Idaho Code, extending credit as a regular business, including regulated credit sales, as defined in section 28-41-301, Id…

28-41-108. Transactions subject to act by agreement. Parties to a credit transaction or modification thereof that is not a regulated consumer credit transaction, as defined in section 28-41-301, Idaho Code, may agree in a writing signed by them that the transaction is subject to …

28-41-201. Territorial application. (1) Except as otherwise provided in this section, this act applies to sales and loans made in this state and to modifications, including refinancings, consolidations, and deferrals made in this state, of sales and loans, wherever made. For purp…

28-41-202. Exclusions. This act does not apply to: (1) Extensions of credit to government or governmental agencies or instrumentalities; (2) The sale of insurance by an insurer, except as otherwise provided in the chapter on insurance, chapter 44, title 28, Idaho Code; (3) Transa…

28-41-203. Jurisdiction. The courts of this state may exercise jurisdiction over any creditor with respect to any conduct of the creditor subject to this act or with respect to any claim arising from a transaction subject to this act.

28-41-204. Applicability. This act shall apply only to credit transactions for a consumer purpose, except for the following parts, chapters and sections, which shall apply to credit transactions for any and all purposes: (1) Part 1, chapter 41, title 28, Idaho Code; (2) Section 2…

28-41-301. General definitions. (1) "Actuarial method" means the method, defined by rules adopted by the administrator, of allocating payments made on a debt between principal or amount financed and loan finance charge or credit service charge pursuant to which a payment is appli…

28-41-302. Federal consumer credit protection act — Defined. In this act "Federal Consumer Credit Protection Act" means the consumer credit protection act, Public Law 90-321; 82 Stat. 146, as amended, to and including January 1, 2005, or a subsequent date if so defined by adminis…