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Iowa Consumer Credit Code (ICCC) Informal Advisory Opinions - 1983 Archive

December 29, 1983

A lender in a consumer credit transaction may not charge an appraisal fee as an “other charge.”  Appraisal fees must be included in the finance charges.

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December 9, 1983

The university in question is in the business of regularly making loans and must comply with the federal truth-in-lending requirements.  The information provided in the note’s disclosure statement must be more “conspicuous” than the rest of the agreement.  Additionally, the note’s references to interest rate must be described in terms of the annual percentage rate (APR).

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