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North Carolina General Statutes
Chapter 25A: Retail Installment Sales Act.

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G.S. 25A-1 25A-1. Scope of act.[HTML] [RTF]
G.S. 25A-2 25A-2. "Consumer credit sale" defined.[HTML] [RTF]
G.S. 25A-3 25A-3. "Payable in installments" defined.[HTML] [RTF]
G.S. 25A-4 25A-4. "Goods" defined.[HTML] [RTF]
G.S. 25A-5 25A-5. "Services" defined.[HTML] [RTF]
G.S. 25A-6 25A-6. "Seller" defined.[HTML] [RTF]
G.S. 25A-7 25A-7. "Cash price" defined.[HTML] [RTF]
G.S. 25A-8 25A-8. "Finance charge" defined.[HTML] [RTF]
G.S. 25A-9 25A-9. "Amount financed" defined.[HTML] [RTF]
G.S. 25A-10 25A-10. "Official fees" defined.[HTML] [RTF]
G.S. 25A-11 25A-11. "Revolving charge account contract" defined.[HTML] [RTF]
G.S. 25A-12 25A-12. "Consumer credit installment sale contract" defined.[HTML] [RTF]
G.S. 25A-13 25A-13. "Consumer Credit Protection Act" defined.[HTML] [RTF]
G.S. 25A-14 25A-14. Finance charge rates and service charge for revolving charge account contracts.[HTML] [RTF]
G.S. 25A-15 25A-15. Finance charge rates for consumer credit installment sale contracts.[HTML] [RTF]
G.S. 25A-16 25A-16. Transfer of equity.[HTML] [RTF]
G.S. 25A-17 25A-17. Additional charges for insurance.[HTML] [RTF]
G.S. 25A-18 25A-18. Confession of judgment.[HTML] [RTF]
G.S. 25A-19 25A-19. Acceleration.[HTML] [RTF]
G.S. 25A-20 25A-20. Disclaimer of warranty.[HTML] [RTF]
G.S. 25A-21 25A-21. Attorneys' fees.[HTML] [RTF]
G.S. 25A-22 25A-22. Receipts for payments; return of title documents upon full payment.[HTML] [RTF]
G.S. 25A-23 25A-23. Collateral taken by the seller.[HTML] [RTF]
G.S. 25A-24 25A-24. Identification of instruments of indebtedness.[HTML] [RTF]
G.S. 25A-25 25A-25. Preservation of consumers' claims and defenses.[HTML] [RTF]
G.S. 25A-26 25A-26. Substitution of collateral.[HTML] [RTF]
G.S. 25A-27 25A-27. Application of payments.[HTML] [RTF]
G.S. 25A-28 25A-28. Form of consumer credit installment sale contract.[HTML] [RTF]
G.S. 25A-29 25A-29. Default charges.[HTML] [RTF]
G.S. 25A-30 25A-30. Deferral charges.[HTML] [RTF]
G.S. 25A-31 25A-31. Consolidation and refinancing.[HTML] [RTF]
G.S. 25A-32 25A-32. Rebates on prepayment.[HTML] [RTF]
G.S. 25A-32.1 25A-32.1. Unearned finance charge credits on prepayment of loans secured by real property and mobile home loans.[HTML] [RTF]
G.S. 25A-33 25A-33. Terms of payments.[HTML] [RTF]
G.S. 25A-34 25A-34. Balloon payments.[HTML] [RTF]
G.S. 25A-35 25A-35. Statement of account.[HTML] [RTF]
G.S. 25A-36 25A-36. Certificates of insurance and rebates.[HTML] [RTF]
G.S. 25A-37 25A-37. Referral sales.[HTML] [RTF]
G.S. 25A-38 25A-38. "Home-solicitation sale" defined.[HTML] [RTF]
G.S. 25A-39 25A-39. Buyer's right to cancel.[HTML] [RTF]
G.S. 25A-40 25A-40. Form of agreement or offer; statement of buyer's rights.[HTML] [RTF]
G.S. 25A-41 25A-41. Restoration of down payment; retention of goods.[HTML] [RTF]
G.S. 25A-42 25A-42. Duties as to care and return of goods; no compensation for services prior to cancellation.[HTML] [RTF]
G.S. 25A-43 25A-43. Unconscionability.[HTML] [RTF]
G.S. 25A-44 25A-44. Remedies and penalties.[HTML] [RTF]
G.S. 25A-45 25A-45. Conflict with Consumer Credit Protection Act.[HTML] [RTF]