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Rhode Island Statutes, Title 19

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Rhode Island/Statutes

← All Rhode Island coverage

Title 19, Title 19 Institutions

57 chapters · 488 sections in this title.

All chapters in Title 19488 Ch 19-14.8, Chapter 19-14.8 Uniform Debt-Managem…41 Ch 19-9, Chapter 19-9 Community Obligations a…39 Ch 19-14, Chapter 19-14 Licensed Activities37 Ch 19-28.1, Chapter 19-28.1 Franchise Investment Act34 Ch 19-5, Chapter 19-5 Credit Unions30 Ch 19-14.3, Chapter 19-14.3 Currency Transmissions22 Ch 19-2, Chapter 19-2 Creation and Expansion21 Ch 19-14.10, Chapter 19-14.10 An Act Adopting the…21 Ch 19-26, Chapter 19-26 Pawnbrokers19 Ch 19-4, Chapter 19-4 Regulatory Oversight18 Ch 19-12, Chapter 19-12 Receivership17 Ch 19-3, Chapter 19-3 Powers and Operations16 Ch 19-33, Chapter 19-33 Student Loan Bill of R…16 Ch 19-14.2, Chapter 19-14.2 Small Loan Lenders16

8 sections·Filtered byTitle 19✕Ch 19-32✕

R.I. Gen. Laws § 19-32-1. Legislative intent and purpose
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(a) The general assembly finds that guaranteed asset-protection waivers are not insurance. All guaranteed asset-protection waivers issued prior to and after the date of enactment of this chapter shall not be construed as insurance. (b) The purpose of this chapter is to provide a …
R.I. Gen. Laws § 19-32-2. Definitions
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The following are terms defined for purposes of this chapter and are not intended to provide actual terms required in guaranteed asset-protection waivers: (1) “Administrator” means a person, other than an insurer or creditor who performs administrative or operational functions pu…
R.I. Gen. Laws § 19-32-3. Requirements for offering guaranteed asset-protection waivers
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(a) GAP waivers may be offered, sold, or provided to borrowers in this state in compliance with this chapter. (b) GAP waivers may, at the option of the creditor, be sold for a single payment, or may be offered with a monthly or periodic payment option. (c) Notwithstanding any pro…
R.I. Gen. Laws § 19-32-4. Contractual liability or other insurance policies
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(a) Contractual liability or other insurance policies insuring GAP waivers must state the obligation of the insurer to reimburse or pay to the creditor any sums the creditor is legally obligated to waive under the GAP waivers issued by the creditor and purchased or held by the bo…

R.I. Gen. Laws § 19-32-5. Disclosures

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Guaranteed asset-protection waivers must disclose, in writing and in clear, understandable language that is easy to read, the following: (1) The name and address of the initial creditor and the borrower at the time of sale, and the identity of any administrator if different from …

R.I. Gen. Laws § 19-32-6. Cancellation

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(a) GAP-waiver agreements may be cancellable or non-cancellable after the free-look period. GAP waivers must provide that if a borrower cancels a waiver within the free-look period, the borrower will be entitled to a full refund of the purchase price, as long as no benefits have …

R.I. Gen. Laws § 19-32-7. Commercial transactions exempted

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Sections 19-32-3(c), 19-32-5 and 19-32-8 are not applicable to a GAP waiver offered in connection with a lease or retail installment sale associated with transactions between business entities.

R.I. Gen. Laws § 19-32-8. Severability

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If any provision of this chapter, or the application of the provision to any person or circumstances, is held invalid, the remainder of the chapter, and the application of the provision to persons or circumstances other than those as to which it is held invalid, is not to be affe…