Chapter 45 — INTEREST, LOANS, AND DEBT

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As used in sections 45-101.02 to 45-101.04, 45-102, and 45-105, unless the context otherwise requires: (1) Interest means the compensation agreed upon or allowed by law upon any loan or forbearance of money, goods, or things in action but does not include loan service costs; (2) …

(1) Except as provided in section 45-101.04, any rate of interest which may be agreed upon, not exceeding sixteen percent per annum on the unpaid principal balance, shall be valid upon any loan or forbearance of money, goods, or things in action and may be taken yearly, for any s…

The limitation on the rate of interest provided in section 45-101.03 shall not apply to: (1) Other rates of interest authorized for loans made by any licensee or permittee operating under a license or permit duly issued by the Department of Banking and Finance pursuant to the Cre…

No lender, in connection with a mortgage loan, shall require the borrower or prospective borrower: (1) To deposit in any escrow account which may be established in connection with such loan for the purpose of assuring payment of taxes, insurance premiums, or other charges with re…

It is not the intent of sections 45-101.05 to 45-101.07 to require that escrow accounts be required or established.

Any lender who violates any of the provisions of section 45-101.05 shall be guilty of a Class IV misdemeanor.

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Interest upon the loan or forbearance of money, goods or things in action shall be at the rate of twelve percent per annum for the period commencing on March 19, 1980, through August 31, 1983, and at the rate of six percent per annum commencing on September 1, 1983, on the unpaid…

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For decrees and judgments rendered before July 20, 2002, interest on decrees and judgments for the payment of money shall be fixed at a rate equal to one percentage point above the bond equivalent yield, as published by the Secretary of the Treasury of the United States, of the a…

Interest as provided in section 45-103 shall accrue on decrees and judgments for the payment of money from the date of entry of judgment until satisfaction of judgment.

(1) Except as provided in section 45-103.04, interest as provided in section 45-103 shall accrue on the unpaid balance of unliquidated claims from the date of the plaintiff's first offer of settlement which is exceeded by the judgment until the entry of judgment if all of the fol…

All payments made prior to trial by or on behalf of the defendant shall be subtracted from the judgment before interest as provided in subsection (1) of section 45-103.02 is added.

Interest as provided in section 45-103.02 shall not accrue prior to the date of entry of judgment for: (1) Any action arising under Chapter 42; or (2) Any action involving the state, a political subdivision of the state, or any employee of the state or any of its political subdiv…

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