PAGE SECTION TOPIC

TITLE 45, CHAPTER 13 – TENNESSEE RESIDENTIAL LENDING, BROKERAGE AND SERVICING ACT

2 45-13-101. Short Title

2 45-13-102. Purpose

2 45-13-103. Administrative Authority

2 45-13-104. Provisions Remedial

4 45-13-105. Chapter Definitions

10 45-13-106. Certificates of Registration and Registration Certificates

14 45-13-107. Lost Licenses – Substitutions

16 45-13-108. Filing of Written Report with Commissioner – Events Impacting Activities of Licensee

18 45-13-201. License Required – Exceptions

21 45-13-202. Application for License – Investigation fee

25 45-13-203. Licensing – Posting – Renewal – Abatement of Fees

29 45-13-204. Surety Bond Required

31 45-13-205. Change of Address or Officers – Annual Report Including Past Officers and Directors

33 45-13-206. Records and Financial Statements – Deposits and Periodic Payments – Disclosure

35 45-13-207. Preservation of Records – Reproduction – Maintenance Location

37 45-13-208. Minimum Information – Annual Report

39 45-13-209. Statement of Account

41 45-13-210. Change of Control

43 45-13-211. Managing Principals and Branch Managers

45 45-13-301. Mortgage Loan Originator – License Required

49 45-13-302. Issuance of Mortgage Loan Originator License

55 45-13-303. Mortgage Loan Originator Sponsorship Required

59 45-13-304. Pre-Licensing Education of Loan Originators

61 45-13-305. Testing of Loan Originators

63 45-13-306. Standards for Mortgage Loan Originator License Renewal

65 45-13-307. Continuing Education for Mortgage Loan Originators

67 45-13-308. Provisional Mortgage Loan Originator License

69 45-13-401. Prohibited Acts and Practices

73 45-13-402. False or Misleading Advertising Unlawful – Exceptions

75 45-13-403. Payments to Contractors from Proceeds of Mortgage Loan for Home Improvement

ALABAMA MORTGAGE BROKERS LICENSING ACT

1 5-25-1. Short Title
2 5-25-2. Definitions
5 5-25-3. Persons Excluded
8 5-25-4. License to Transact Business as a Mortgage Broker
10 5-25-5. Application for License
15 5-25-6. Issuance of License
17 5-25-7. Expiration and Renewal
19 5-25-8. License Requirements
21 5-25-9. Maintenance and Examination of Records, Etc.
25 5-25-10. Annual Report
27 5-25-11. Principal Place of Business; Branch Office
29 5-25-12. Disclosure by Licensee; Prohibited Activities
31 5-25-13. Rules and Regulations
35 5-25-14. Denial, Suspension, or Revocation of License
38 5-25-15. Appeal
40 5-25-16. Enforcement and Penalties
42 5-25-17. Violations of Chapter
42 5-25-18. Disposition of Funds

ALABAMA SECURE AND FAIR ENFORCEMENT FOR MORTGAGE LICENSING ACT OF 2009 OR ALABAMA S.A.F.E. MORTGAGE LICENSING ACT OF 2009

44 Section 1 Citation of Act
45 Section 2 System of Supervision and Enforcement
47 Section 3 Definitions
53 Section 4 License and Registration Required
56 Section 5 State License and Registration Application and Issuance
59 Section 6 Issuance of License
62 Section 7 Pre-Licensing Education of Loan Originators
64 Section 8 Testing of Loan Originators
66 Section 9 Standards for License Renewal
68 Section 10 Continuing Education for Mortgage Loan Originators
72 Section 11 Authority to Require License

PAGE SECTION TOPIC

ALABAMA SECURE AND FAIR ENFORCEMENT FOR MORTGAGE LICENSING ACT OF 2009 OR ALABAMA S.A.F.E. MORTGAGE LICENSING ACT OF 2009 (Cont=d)

72 Section 12 NMLS Information Challenge Process
74 Section 13 Enforcement Authorities, Violations and Penalties
78 Section 14 Surety Bond Requirement
80 Section 15 Confidentiality
82 Section 16 Investigation and Examination Authority
87 Section 17 Prohibited Acts and Practices
89 Section 18 Mortgage Call Reports
89 Section 19 Report to NMLS
89 Section 20 Unique Identifier Number
91 Section 21 Provisions Not Affected
91 Section 22 Effective Date of Act

ALABAMA CONSUMER CREDIT ACT AMINI-CODE,@ TITLE 5, CHAPTER 19

93 Chapter 19 Consumer Finance Act Breakdown of Chapters
95 Section 5-19-1 Definitions
99 Section 5-19-1.1 Legislative Findings
101 Section 5-19-3 Maximum Finance Charges; Contracting for Minimum Finance Charge; Alternate Per Month Computed Finance Charge
105 Section 5-19-4 Additional Charges for Default or Deferral; Prepayment; Renewal or Refinancing; And Real Property Transactions
111 Section 5-19-5 Acceptance of Negotiable Instruments as Evidence of Consumer Debt
113 Section 5-19-6 Copies of Instruments Signed by Debtors to be Furnished to Debtors; Required Statement in Contracts, Etc.; Limitation on Disclosure Requirements; Intent, Applicability of Limitation
115 Section 5-19-7 Right to Refinance Amount of Certain Scheduled Payments
115 Section 5-19-8 Assignee of Seller Subject to Claims and Defenses of Buyer
117 Section 5-19-9 Application of Payments When Buyer Indebted to Same Seller for Two or More Consumer Credit Sales
119 Section 5-19-10 Contract Provisions for Attorney=s Fees
121 Section 5-19-12 Buyer=s Right to Cancel Home Solicitation Sale
124 Section 5-19-13 Repossession or Acceptance of Surrender of Goods Priced at One Thousand Dollars or Less
126 Section 5-19-14 Rebates or Discounts, Etc., as Inducement for Aiding Sale to Another Prohibited

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ALABAMA CONSUMER CREDIT ACT AMINI-CODE,@ TITLE 5, CHAPTER 19 (Cont=d)

128 Section 5-19-15 Garnishment
130 Section 5-19-16 Refusal By Court to Enforce Unconscionable Agreement
132 Section 5-19-17 Inducing Obligation on More Than One Contract in Order to Obtain Higher Finance Charge Prohibited; Consolidation of Existing Pre-Computed Consumer Credit Transaction Contract and Subsequent Pre-Computed Consumer Credit Transaction
135 Section 5-19-18 Installment Payment of Debt of One Thousand Dollars or Less
137 Section 5-19-19 Liabilities of Creditor Making Excess Finance Charge; Failure to Obtain License; Damages for Deliberate Violation or Reckless Disregard; Written Notice of Violations; Oral Statements not Admissible; Fiduciary Duty not Created
144 Section 5-19-20 Insurance
149 Section 5-19-21 Administrator Authorized to Make Rules and Regulations; Filing Notice of Intended Action with Legislative Reference Service; Transactions Entered Into After May 20, 1996
154 Section 5-19-22 License to Engage in Business of Making Consumer Loans or Taking Assignments of Consumer Credit Contracts B Required; Exceptions; Application; Investigation of Applicant; Investigation Fee; Standards for Issuance; Hearing on Qualification of Applicant; Effect of Holding License Under Small Loan Act; Form; Posting; Nontransferable; License Fee; Penalty for Late Payment of License Fee; Disposition of License Fee
159 Section 5-19-23 License to Engage in Business of Making Consumer Loans or Taking Assignments of Consumer Credit Contracts B Revocation or Suspension
161 Section 5-19-24 Examinations and Investigations of Licensees by Administrator
164 Section 5-19-25 Cease and Desist Orders by Administrator; Penalties for Violation of This Chapter; Right to Counsel at Hearing; Judicial Review
166 Section 5-19-26 Appeals to Circuit Court from Order of Administrator; Appeals from Decision of Circuit Court
168 Section 5-19-29 Injunctions
170 Section 5-19-30 Penalty for Violations

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ALABAMA CONSUMER CREDIT ACT AMINI-CODE,@ TITLE 5, CHAPTER 19 (Cont=d)

172 Section 5-19-31 Non-Applicability of Chapter to Certain Transactions; Certain Laws not Repealed or Amended; Intent of Section
175 Section 5-19-32 Service Contracts
177 Section 5-19-33 Account Maintenance Fee. This Section was Assigned by the Code Commissioner. It Has Not Been Codified by the Legislature

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Part One
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