Applicability.

This part applies to all of the following: 1. Creditors engaged in consumer credit transactions and acts, practices or conduct involving consumer credit transactions to which this chapter applies pursuant to section 537.1201 , but not to those licensed, certificated, or otherwise authorized to engage in business by chapter 524 , 533 , 536 or 536A . 2. Debt collectors, as defined in section 537.7102, subsection 5 , to whose acts, practices, or conduct this chapter applies pursuant to section 537.1201 if the total debt collected by a debt collector in the preceding calendar year exceeds the threshold amount, or if not, if the total debt collected during the current calendar year exceeds twenty-five thousand dollars, but this part does not apply to those licensed, certified, or otherwise authorized to engage in business under chapter 524 , 533 , 536 , or 536A . [C75, 77, 79, 81, §537.6201 ] 89 Acts, ch 68, §5 ; 2012 Acts, ch 1017, §148 ; 2014 Acts, ch 1037, §21 Referred to in §537.1201