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

September 22, 1983

The IDCPA covers all creditors who collect on their own accounts; it does not distinguish between creditor collectors and independent collectors.  Private sales of repossessed goods are not per se violations of Iowa law.  Also, mortgage transactions in general are excluded from the ICCC because they tend to be over the $25,000 minimum threshold.

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September 2, 1983

Informal Advisory Opinion #3

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September 2, 1983

A closed-end, out-of-state consumer transaction with an out-of-state lender cannot be enforced under the ICCC, unless the lender moves to Iowa to collect on that transaction.  If the lender moves to collect on the transaction, it must follow all licensing requirements imposed on lenders in this state under the ICCC.

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