Subchapter 1. General Provisions

SECTION 160:45-1-1. Authority, purpose, coverage, organization, enforcement and liability

SECTION 160:45-1-2. Definitions and rules of construction

SECTION 160:45-1-3. Exempt transactions

SECTION 160:45-1-4. Finance charge

Subchapter 3. Open-End Credit

SECTION 160:45-3-1. General disclosure requirements

SECTION 160:45-3-2. Credit and charge card applications and solicitations

SECTION 160:45-3-3. Requirements for home-equity plans

SECTION 160:45-3-4. Initial disclosure statement

SECTION 160:45-3-5. Periodic statement

SECTION 160:45-3-6. Identification of transactions

SECTION 160:45-3-7. Subsequent disclosure requirements

SECTION 160:45-3-8. Prompt crediting of payments

SECTION 160:45-3-9. Treatment of credit balances

SECTION 160:45-3-10. Special credit card provisions

SECTION 160:45-3-11. Billing-error resolution

SECTION 160:45-3-12. Determination of annual percentage rate

SECTION 160:45-3-13. Right of rescission

SECTION 160:45-3-14. Advertising

Subchapter 5. Closed-End Credit

SECTION 160:45-5-1. General disclosure requirements

SECTION 160:45-5-2. Content of disclosures

SECTION 160:45-5-3. Certain mortgage and variable-rate transactions

SECTION 160:45-5-4. Subsequent disclosure requirements

SECTION 160:45-5-5. Treatment of credit balances

SECTION 160:45-5-6. Determination of annual percentage rate

SECTION 160:45-5-7. Right of rescission

SECTION 160:45-5-8. Advertising

SECTION 160:45-5-9. Mortgage transfer disclosures

Subchapter 7. Miscellaneous

SECTION 160:45-7-1. Record retention

SECTION 160:45-7-2. Use of annual percentage rate in oral disclosures

SECTION 160:45-7-3. Language of disclosures

SECTION 160:45-7-4. Limitations on rates

Subchapter 9. Special Rules for Certain Home Mortgage Transactions

SECTION 160:45-9-1. General rules

SECTION 160:45-9-2. Requirements for certain closed-end home mortgages

SECTION 160:45-9-3. Requirements for reverse mortgages

SECTION 160:45-9-4. Prohibited acts or practices in connection with credit subject to 160:45-9-2

SECTION 160:45-9-5. Prohibited acts or practices in connection with higher-priced mortgage loans

SECTION 160:45-9-6. Prohibited acts or practices in connection with credit secured by a consumer's principal dwelling

SECTION 160:45-9-7. Mortgage transfer disclosures [Expired]

Subchapter 11. Electronic Communication [revoked]

SECTION 160:45-11-1. Requirements for electronic communication [revoked]

Subchapter 13. Special Rules for Private Education Loans [Expired]

SECTION 160:45-13-1. Special disclosure requirements for private education loans [Expired]

SECTION 160:45-13-2. Content of disclosures [Expired]

SECTION 160:45-13-3. Limitations on private education loans [Expired]

Appendix A. [Reserved]

Appendix B. [Reserved]

Appendix C. [Reserved]

Appendix D. Multiple-Advance Construction Loans

Appendix E. Rules for Card Issuers that Bill on a Transaction-by-Transaction Basis

Appendix F. Annual Percentage Rate Computations for Certain Open-End Credit Plans

Appendix G. Open-End Model Forms and Clauses

Appendix H. Closed-End Model Forms and Clauses

Appendix I. [Reserved]

Appendix J. Annual Percentage Rate Computations for Closed-End Credit Transactions

Appendix K. Total-Annual-Loan-Cost Rate Computations for Reverse-Mortgage Transactions

Appendix L. Assumed Loan Periods for Computations of Total-Annual-Loan-Cost Rates