(a) Except for a rebate or refund pursuant to any administrative, civil, or criminal action, or any act of the Board, a rebate or refund required to be made upon payment in full of a loan pursuant to this chapter need not be made if the aggregate of all rebates or refunds required in connection with a loan is less than $ 1.
(b) No licensee may contract for or receive any payment required in connection with a loan for the purpose of avoiding a rebate or refund of less than $1.