|
NUMBER
|
DATE
|
TITLE/SUBJECT
|
|
1
|
08/24/1983
|
ICCC Licensing Regulations for Insurance Premium Financing
|
|
2
|
09/02/1983
|
Your Inquiry Concerning Application of ICCC to Transactions by a South Dakota Finance Company With Iowans
|
|
3
|
09/02/1983
|
Survey of ACUCCS Members on Disclosure Requirements for Consumer Leases
|
|
4
|
09/22/1983
|
Debt Collection Practices Enforcement in Iowa
|
|
5
|
12/09/1983
|
Review of University Long Term Loan Promissory Note
|
|
6
|
12/29/1983
|
Appraisal Fees and Other Charges 537.5201
|
|
7
|
02/02/1984
|
Credit Counseling Regulation
|
|
8
|
02/15/1984
|
Iowa Debt Collection Practices Act
|
|
9
|
03/05/1984
|
Your Inquiry Concerning Charging Yearly Fees for Overdraft Protection
|
|
10
|
03/12/1984
|
Missing
|
|
11
|
03/26/1984
|
Your Inquiry Concerning What Finance Charge May be Assessed by a Sanitary Landfill
|
|
12
|
05/04/1984
|
Your Inquiry on Retail Installment Sales In Iowa
|
|
13
|
05/09/1984
|
Lenders Single Interest Insurance Paid by Banks & Possible Discrimination Claim
|
|
14
|
07/17/1984
|
Interest Rates
|
|
15
|
08/07/1984
|
Your Inquiry Concerning Charges Permitted on Bank Credit Cards
|
|
16
|
08/13/1984
|
Iowa Higher Education Loan Authority Student Loans and ICCC Requirements
|
|
17
|
08/24/1984
|
ICCC and Lines of Credit
|
|
18
|
08/27/1984
|
S.F. 420 - Charges for Nonsufficient Funds Checks & the ICCC
|
|
19
|
09/10/1984
|
Your Inquiry Concerning ICCC Default Provisions
|
|
20
|
02/08/1985
|
Consumer Loans by Mail
|
|
21
|
02/12/1985
|
Your Inquiry Concerning Tying Purchase of Credit Insurance to Interest Rates
|
|
22
|
02/18/1985
|
Whether a service contract on consumer goods which is financed in connection with a consumer credit sale is a permissible additional charge under ICCC § 537.2501(1)(f)
|
|
23
|
04/01/1985
|
Late Charges on Residential Rental Payments
|
|
24
|
04/05/1985
|
Whether Out-of-State State Chartered Savings & Loan is a Supervised Lender under ICCC
|
|
25
|
04/15/1985
|
Co-Signer Notices Required by F.T.C. Credit Practices Rules and ICCC § 537.3208
|
|
26
|
05/05/1985
|
Financing of Automobile Service Contracts
|
|
27
|
08/21/1985
|
Revolving Charge Accounts - ICCC Copy Provided
|
|
28
|
08/21/1985
|
Second Protector Insurance Sold in Connection with Consumer Credit Transactions
|
|
29
|
06/13/1985
|
General Provisions of ICCC
|
|
30
|
09/16/1985
|
“Grand Grocery Giveaway"
|
|
31
|
09/25/1985
|
Dishonored Check Charges
|
|
32
|
01/17/1986
|
Title Insurance
|
|
33
|
01/23/1986
|
Whether a Creditor May Tie the Purchase of credit Life to the Purchase of credit Accident & Health
|
|
34
|
01/28/1986
|
Whether Consumer Creditor May Offer Lower APR on Consumer Loans With Credit Insurance
|
|
35
|
03/10/1986
|
Whether a Consumer Creditor May Require Borrowers too Have Credit Life and/or Accident and Health Insurance
|
|
36
|
09/25/1981
|
Duplicate of 31 - Dishonored Checks
|
|
37
|
03/24/1986
|
ICCC and Lines of Credit Assessed by a Credit Card
|
|
38
|
03/27/1986
|
ICCC Rule on Notice to Co-Signer
|
|
39
|
09/23/1986
|
ICCC Advice on Whether Issuance of Lender Credit Cards to Iowans Requires a License
|
|
40
|
09/23/1986
|
Insurance Premium Escrow Reserves Used by your Client
|
|
41
|
|
Missing
|
|
42
|
09/23/1986
|
Emergency Loan Programs
|
|
43
|
09/23/1986
|
Dishonored Checks for Credit Card Accounts
|
|
44
|
10/20/1986
|
Financing Operations in Iowa
|
|
45
|
05/11/1987
|
ICCC Co-signer Provisions and Reg. AA, 12 C.F.R. § 227.12(b)
|
|
46
|
05/21/1987
|
Request for Advice on Variable Rate Bankcards
|
|
47
|
06/19/1987
|
Licensing Requirements for Issuance for Out-of-State Open-End Credit Cards
|
|
48
|
06/26/1987
|
Right to Cure, Voluntary Surrender in Repossession, Abandoned Motor Home
|
|
49
|
07/16/1987
|
Request for Advice on Variable Rate Open-End Consumer Credit Retail Accounts
|
|
50
|
|
Missing
|
|
51
|
09/04/1987
|
Issuance of Lender Credit Cards to Iowans
|
|
52
|
11/24/1987
|
I.C.C.C. Advice on whether End of Lease Liability Restrictions ( § 537.3401) applies to Early Termination of a Lease
|
|
53
|
04/13/1988
|
Credit Accounts
|
|
54
|
04/19/1998
|
Variable Rate Retail Installment Financing
|
|
55
|
01/17/1989
|
Late fees for pre-computed loans
|
|
56
|
02/10/1989
|
Change-in-term requirements for credit cards
|
|
57
|
03/31/1989
|
Application of the ICCC to student loans
|
|
58
|
07/25/1989
|
Licensing requirements for out-of-state credit unions
|
|
59
|
11/29/1989
|
Application of Truth-in-Lending to hospital bills
|
|
60
|
02/02/1990
|
Finance charges on retail credit cards
|
|
61
|
05/21/1990
|
Examination of out-of-state lenders under the ICCC
|
|
62
|
10/08/1990
|
Credit disclosure requirements in Iowa Code Section 535.17
|
|
63
|
02/11/1991
|
ICCC and motor vehicle requirements under Iowa Code chapter 322
|
|
64
|
11/04/1991
|
Federal and ICCC “notice to cosigner” requirements
|
|
65
|
07/06/1992
|
Iowa Code § 537.2601(1) and non-consumer credit transactions 360/365 day
|
|
66
|
07/24/1992
|
Credit card cash advance fees
|
|
67
|
02/25/1994
|
Iowa Code § 537.6201 Applicability of notification requirements to out-of-state companies
|
|
68
|
07/16/1987
|
ICCC Chapter 537, Whether out-of-state credit union may make supervised loans to Iowans
|
|
69
|
09/06/1994
|
Permissibility of Imposing Post-Default Interest on Open-End Credit Accounts
|
|
70
|
10/14/1994
|
Iowa Code §537.2501 (1) (h) Request to promulgate GAP fee as an additional charge
|
|
71
|
05/30/1995
|
Iowa Code §5376.2510, Whether a flat documentation fee, treated and disclosed as a prepaid finance charge, would be subject to rebate
|
|
72
|
10/24/1995
|
Iowa Code § 537.2501 (1) (h), Permissibility of adding separately identified charge for maintenance contracts on motor vehicle retail installment contracts
|
|
73
|
01/08/1996
|
Iowa Code §§ 536, 537.2301 (licensing); 537.1202 (territorial application) – check by mail loans by out-of state bank
|
|
74
|
06/11/1996
|
Iowa Code §§ 537.2501; IAC 61-14; Conditions for sale of involuntary unemployment insurance
|
|
75
|
09/26/1996
|
Iowa Code § 537.2502 (8) permissible late fees on proprietary (seller) credit cards
|
|
76
|
10/18/1996
|
Iowa Code §§ 535.10; 537.1301 (1); 537.2401 (1); 537.2402; 537.2504. Compounding Interest
|
|
77
|
11/13/1996
|
Iowa Code §§ 537.2501 (g);537.7103 (5) (c); 554.3512; 554.3513. Debt Collectors fees; Extent of Permissible NSF Charge
|
|
78
|
12/09/1996
|
Iowa Code 537.1301 (8), 537.3201, 537.6104; 191 IAC § 23.22 (6); 15 USC § 1601, 2308: Service Contracts, Misc. issues: I-CCC characterization, disclosure of contracts with upcharges; discretionary pricing; use with “as is” warranty disclaimers
|
|
79
|
12/18/1996
|
Iowa Code § 537.2501 (1) (g) NSF surcharges on credit card accounts; cumulative with other charges
|
|
80
|
01/16/1997
|
Iowa Code § 537.2502, 537.1301 (34) Late charges generally not permitted in lease
|
|
81
|
01/30/1997
|
Iowa Code §§ 537.1301 (14) (19); 537.2401; also Iowa Code §§ 535.8, 535.10; Coverage of certain mortgage under ICCC; permissible prepaid finance charges including brokers fees
|
|
82
|
02/14/1997
|
360/365 day counting method
|
|
83
|
04/25/1997
|
GAP Insurance
|
|
84
|
08/18/1997
|
Hospital Coverage, Collection Fee
|
|
85
|
08/20/1997
|
Debt Collection Notice, Loan Document Fees
|
|
86
|
12/22/1998
|
Vendor’s Single Interest Insurance
|
|
86A
|
3/8/2004
|
Vendor’s Blanket Single Interest Insurance
|
|
87
|
02/18/1999
|
Payday Loans (533D) and Debt Collection, Threats of Criminal Prosecution
|
|
87A
|
05/06/1999
|
Payday Loans, Debt Collection, Criminal Threats
|
|
88
|
08/12/1999
|
Per Diem Charge on NSF Checks
|
|
89
|
05/07/1999
|
Truth in Lending Recession - Accrual of Interest During Recission Period
|
|
90
90A
90B
|
07/20/2003
12/29/2006
|
Starter Interrupter Device
Starter Interrupt Devices
Starter Interrupt and GPS Devices
|
|
91
|
02/18/2000
|
Calculation of late charge for closed-end simple interest loans; Allocation of payments with late charges on same; crediting non-conforming payments over long holiday weekends
|
|
92
|
06/24/2003
|
GAP Coverage in Sale of Motor Vehicles
|
|
93
|
03/05/2007
|
Additional Charges - Denial of New Charges
|
|
94
|
06/05/2007
|
Car Title Loans - Open-end Accounts, New Interest Rate Change
|
|
94a
|
05/09/2007
|
Car Title Loans - Open-end Accounts, New Interest Rate Change
|
|
95
|
03/16/2008
|
Judgment Interest and Credit Card Interest
|
| 95a |
12/01/2015 |
Post-Judgment Interest on Consumer Credit Contracts
|
|
96
|
01/1/2007
|
Debt Cancellation Product
|
|
97
|
04/15/2011
|
Open-end Account Receivable
|
|
98
|
06/03/2011
|
Accounts Receivable
|
|
99
|
08/16/2011
|
Origination Fees and Consumer Credit Transactions
|
|
100
|
09/28/2011
|
Independent Contractors Collection Debt
|
|
101
|
08/21/2009
|
Credit Card Change in Billing Date
|
|
101A
|
09/14/1999
|
Change in Terms Requirements on open-end Accounts
|
|
102
|
07/9/2012
|
De Minimis Exception for Rebates on Overpaid Simple Interest Contracts
|
|
103
|
07/27/2012
|
Applying increased credit card APR to outstanding balances
|
|
104
|
08/23/2012
|
Status of In-Bound Customer Service Call Center as a Debt Collector
|
|
105
|
12/1/2015 |
Payday loans - Spousal Liability
|
|
106
|
12/1/2015 |
Out-of-State banking notification
|
|
107
|
09/08/2022
|
Applicability of the Iowa Debt Collection Practices Act
|
