Title 37, CONSUMER LENDING

Sec. 12. Refunds or penalties to which the debtor is entitled pursuant to sections 8 through 11 of this chapter may be set off against the debtor's obligation, and may be raised as a defense to a suit on the obligation without regard to the time limitations prescribed by sections…

Sec. 13. (a) A lender who knowingly makes charges in excess of those permitted by the provisions of this article commits a Class A misdemeanor. (b) A person who knowingly engages in the business of making consumer loans without a license in violation of the provisions of this art…

Sec. 14. A person commits a Class A misdemeanor if the person knowingly gives false or inaccurate information or fails to provide information which the person is required to disclose under the provisions of IC 37-2-3-13 or IC 37-2-4-14. [Pre-2026 Revision Citation: 24-4.5-5-302.]…

Sec. 2. (a) This section applies to a consumer credit sale of goods or services. (b) If the seller repossesses or voluntarily accepts surrender of goods which were the subject of the sale and in which the seller has a security interest, and the cash price of the goods repossessed…

Sec. 3. Prior to entry of judgment in an action against the debtor, no creditor may attach unpaid earnings of the debtor by garnishment or like proceedings. [Pre-2026 Revision Citation: 24-4.5-5-104.] As added by P.L.115-2026, SEC.97.

Sec. 4. (a) For the purposes of sections 1 through 7 of this chapter: (1) "disposable earnings" means that part of the earnings of an individual, including wages, commissions, income, rents, or profits remaining after the deduction from those earnings of amounts required by law t…

Sec. 5. No employer shall discharge an employee for the reason that a creditor or creditors of the employee has subjected or attempted to subject unpaid earnings of the employee to garnishment or like proceedings directed to the employer for the purpose of paying a judgment or ju…

Sec. 6. (a) If it is the understanding of the creditor and the debtor at the time an extension of credit is made that delay in making repayment or failure to make repayment could result in the use of violence or other criminal means to cause harm to the person, reputation, or pro…

Sec. 7. (a) With respect to a consumer credit sale, consumer lease, or consumer loan, if the court as a matter of law finds the agreement or any clause of the agreement to have been unconscionable at the time it was made the court may refuse to enforce the agreement, or it may en…

Sec. 8. For purposes of the provisions on civil liability for violation of disclosure provisions set forth in section 10 of this chapter and on a debtor's right to rescind certain transactions set forth in section 11 of this chapter a: (1) consumer credit sale includes a sale tha…

Sec. 9. (a) If a creditor has violated the provision of this article applying to limitations on the schedule of payments or loan term for supervised loans (IC 37-2-4-38), the debtor is not obligated to pay the loan finance charge, and has a right to recover from the person violat…

Sec. 1. (a) A servicer of a high cost home loan shall report at least once each calendar quarter to a nationally recognized consumer credit reporting agency both the favorable and unfavorable payment history information of the borrower on payments due to the creditor on a high co…