DEBT PRORATING COMPANIES

Accelerated mortgage payment providers

Defined, Minn. Statutes 2004 332.13

Generally, Minn. Statutes 2004 332.30 to 332.303

Addresses

Changes, notice, Minn. Statutes 2004 45.0112, 332.18

Licenses, Minn. Statutes 2004 45.0112, 332.15

Advance payments, Minn. Statutes 2004 332.23

Articles of incorporation, Minn. Statutes 2004 47.08

Assignments, licenses, Minn. Statutes 2004 332.18

Attachment, Minn. Statutes 2004 332.24

Attorney fees, voided contracts, Minn. Statutes 2004 332.27

Attorney general, defined, Minn. Statutes 2004 332.13

Audits and examinations

Certified public accountants, duties, Minn. Statutes 2004 332.29

Commerce Department, duties, Minn. Statutes 2004 46.131, 332.22, 332.29

Costs, payment, Minn. Statutes 2004 332.22

Fees, Minn. Statutes 2004 46.131

Frequency, Minn. Statutes 2004 46.04

Records, Minn. Statutes 2004 332.22

Requirements, Minn. Statutes 2004 46.04, 332.29

Bonds, Minn. Statutes 2004 332.15, 332.20

Bonuses, Minn. Statutes 2004 332.24

Branch offices, Minn. Statutes 2004 332.15

Collection agencies, violations, Minn. Statutes 2004 332.37

Commingling of funds, Minn. Statutes 2004 332.23

Complaints, Minn. Statutes 2004 332.29

Compromise of debts, Minn. Statutes 2004 332.24

Confession of judgment, Minn. Statutes 2004 332.24

Confidential or privileged information, Minn. Statutes 2004 332.22

Conflicts of interest, Minn. Statutes 2004 332.16

Consumer protection, Minn. Statutes 2004 332.12 to 332.29

Contested cases

Licenses, effect on, Minn. Statutes 2004 332.19, 332.20

Removal, directors, trustees, officers, Minn. Statutes 2004 46.26, 46.30

Violations of law, generally, Minn. Statutes 2004 46.24, 46.26, 46.30

Contracts

Additional contracts, Minn. Statutes 2004 332.23

Advance payments, fees or charges, Minn. Statutes 2004 332.23

Application of law, Minn. Statutes 2004 332.23

Attorney fees, Minn. Statutes 2004 332.27

Budget analysis, Minn. Statutes 2004 332.22, 332.24

Cancellation, Minn. Statutes 2004 332.21, 332.23

Copies, Minn. Statutes 2004 332.21

Creditors' consent, obtaining, Minn. Statutes 2004 332.23

Disclosure, Minn. Statutes 2004 332.21

Effective date, Minn. Statutes 2004 332.21

Excess charges, contract voided, Minn. Statutes 2004 332.23

Financial adjustment plan, Minn. Statutes 2004 332.24

Interpretation of law, Minn. Statutes 2004 332.23

Obligations, releasing, Minn. Statutes 2004 332.24

Recurrent payments, fees or charges, Minn. Statutes 2004 332.23

Requirements, Minn. Statutes 2004 332.21

Rulemaking, Minn. Statutes 2004 332.21

Termination, automatic, Minn. Statutes 2004 332.23

Voiding, Minn. Statutes 2004 332.21, 332.23, 332.27

Conviction, license disqualification, Minn. Statutes 2004 332.16

Copies, contracts, Minn. Statutes 2004 332.21

Costs, payment, examinations, Minn. Statutes 2004 332.22

Credit insurance

Prohibited, Minn. Statutes 2004 332.24

Sales, commissions, Minn. Statutes 2004 47.016

Credit services organizations, exclusion, Minn. Statutes 2004 332.52

Creditors

Distribution plan, consent, Minn. Statutes 2004 332.23

Notice received, cancellation of contract, Minn. Statutes 2004 332.23

Remedies, Minn. Statutes 2004 332.24

Debt compromises, Minn. Statutes 2004 332.24

Debt prorating, defined, Minn. Statutes 2004 332.13

Debtors

Account activity statements, Minn. Statutes 2004 332.22

Contracts, copies to, Minn. Statutes 2004 332.21

Defined, Minn. Statutes 2004 332.13

Lawsuits, right of action on bond, Minn. Statutes 2004 332.15

Notice received, creditors' consent to distribution plan, Minn. Statutes 2004 332.23

Obligations, purchase, Minn. Statutes 2004 332.24

Payments by, origination fees, Minn. Statutes 2004 332.23

Records, Minn. Statutes 2004 332.22

Definitions

Banking law, Minn. Statutes 2004 46.23

Collection agencies and practices, Minn. Statutes 2004 332.13

Directors, trustees, officers

Appointment by commissioner, temporary, Minn. Statutes 2004 46.29

Fines, violations of law, Minn. Statutes 2004 46.32

Quorum, lack caused by removal, Minn. Statutes 2004 46.29

Removal by commissioner, Minn. Statutes 2004 46.26

Service of process on, Minn. Statutes 2004 46.33

Violations of orders, Minn. Statutes 2004 46.32

Disclosure, contracts, Minn. Statutes 2004 332.21

Documentary evidence, complaints, Minn. Statutes 2004 332.29

Examiners, see BANK EXAMINERS

Examining, see Audits and examinations under this topic

Exclusions, Minn. Statutes 2004 332.13

Executions (creditors remedies), Minn. Statutes 2004 332.24

False advertising, Minn. Statutes 2004 332.24

False representation, Minn. Statutes 2004 332.20, 332.24

False statements, Minn. Statutes 2004 332.20, 332.24

Fees

Advance payments, fees or charges, Minn. Statutes 2004 332.23

Commerce Department, duties, Minn. Statutes 2004 332.15, 332.17

Credit background reports, Minn. Statutes 2004 332.23

Document changes, Minn. Statutes 2004 46.131

Examinations, Minn. Statutes 2004 46.131

Failure to pay, Minn. Statutes 2004 332.20

Investigations, Minn. Statutes 2004 46.05

Licenses, Minn. Statutes 2004 332.15, 332.17

Origination fees, Minn. Statutes 2004 332.23

Prohibitions, Minn. Statutes 2004 332.24

Recovery, voided contracts, Minn. Statutes 2004 332.27

Recurrent payments, fees or charges, Minn. Statutes 2004 332.23

Refunds, Minn. Statutes 2004 332.15, 332.23

Withdrawal of, Minn. Statutes 2004 332.23

Fidelity bonds

Conditions, Minn. Statutes 2004 332.15

Failure to maintain, Minn. Statutes 2004 332.20

Right of action, Minn. Statutes 2004 332.15

Fines, failure to maintain instate office, Minn. Statutes 2004 332.24

Foreclosure consultants, exclusion, Minn. Statutes 2004 325N.01

Garnishment, Minn. Statutes 2004 332.24

Generally, Minn. Statutes 2004 332.12 to 332.29

Gifts, Minn. Statutes 2004 332.24

Injunctions, Minn. Statutes 2004 332.28

Investigations

Commerce Department, Minn. Statutes 2004 46.05, 332.16, 332.17, 332.29

County attorneys, Minn. Statutes 2004 332.29

Fees, Minn. Statutes 2004 46.05

Generally, Minn. Statutes 2004 332.29

Licenses, Minn. Statutes 2004 332.16, 332.17

Lawsuits, right of action on bond, Minn. Statutes 2004 332.15

Lenders, defined, Minn. Statutes 2004 332.13

Liability, sureties, Minn. Statutes 2004 332.15

Licensees

Defined, Minn. Statutes 2004 332.13

Prohibited acts, Minn. Statutes 2004 332.24

Licenses

Address changes, notice, Minn. Statutes 2004 332.18

Applications, Minn. Statutes 2004 332.15, 332.19

Bonds, Minn. Statutes 2004 332.15, 332.17

Commerce Department, duties, Minn. Statutes 2004 332.15 to 332.20

Disqualification, Minn. Statutes 2004 332.16

Fees, generally, Minn. Statutes 2004 332.15, 332.17

Generally, Minn. Statutes 2004 332.14

Investigations, Minn. Statutes 2004 332.16, 332.17

Posting, Minn. Statutes 2004 332.18

Qualifications, Minn. Statutes 2004 332.16

Reciprocity, Minn. Statutes 2004 45.0292

Renewal, Minn. Statutes 2004 332.17

Separate applications, licenses, and bonds for each location, Minn. Statutes 2004 332.15

Suspension, revocation, or denial, Minn. Statutes 2004 332.19, 332.20, 332.24

Temporary licenses, Minn. Statutes 2004 45.0111

Term, Minn. Statutes 2004 332.16, 332.17

Transfer or assignment, approval, Minn. Statutes 2004 332.18

Unlicensed operation, Minn. Statutes 2004 332.14, 332.28

Loans, Minn. Statutes 2004 332.24

Mortgages, Minn. Statutes 2004 332.24

Names, licenses, Minn. Statutes 2004 332.15

Notice given

Address and telephone number, Minn. Statutes 2004 45.0112

Address changes, Minn. Statutes 2004 332.18

Cancellation of contract, Minn. Statutes 2004 332.23

Creditors' consent to distribution plan, failure to obtain, Minn. Statutes 2004 332.23

Licenses, Minn. Statutes 2004 332.18

Notice received, licenses

Suspension, revocation, or denial, Minn. Statutes 2004 332.19, 332.20

Oaths, licenses, Minn. Statutes 2004 332.15

Officers, see Directors, trustees, officers under this topic

Offices

Branch offices, separate licenses, applications, and bonds, Minn. Statutes 2004 332.15

Instate office, failure to maintain while performing services, fine, Minn. Statutes 2004 332.24

Orders

Licenses, suspension, revocation, or refusal to renew, Minn. Statutes 2004 332.20

Removal from office, directors, officers, trustees, Minn. Statutes 2004 46.26

Unsafe or unsound practices, cease and desist orders, Minn. Statutes 2004 46.24

Origination fees, Minn. Statutes 2004 332.23

Payments by, case or securities in lieu of surety bond, Minn. Statutes 2004 332.15

Payments to, Minn. Statutes 2004 332.23

Policy of state, Minn. Statutes 2004 332.12

Power of attorney, Minn. Statutes 2004 332.24

Prohibited acts, see Violations and penalties under this topic

Promissory notes, Minn. Statutes 2004 332.24

Property or interests in services, stock, insurance or commodities, purchases, Minn. Statutes 2004 332.24

Public nuisances, unlicensed operation, Minn. Statutes 2004 332.28

Qualified organizations, defined, Minn. Statutes 2004 332.13

Receivers

Appointment, Minn. Statutes 2004 332.20

Right of action on bond, Minn. Statutes 2004 332.15

Records and record keeping

Access, debtors' rights, Minn. Statutes 2004 332.22

Confidentiality, Minn. Statutes 2004 332.22

Debtors' statements, Minn. Statutes 2004 332.22

Electronic maintenance and storage, Minn. Statutes 2004 46.04

Examinations, Minn. Statutes 2004 332.22

Optical image storage systems, Minn. Statutes 2004 46.04

Preservation, Minn. Statutes 2004 332.22

Requirements, Minn. Statutes 2004 332.22

Recurrent payments, Minn. Statutes 2004 332.23

Referrals, Minn. Statutes 2004 332.24

Refunds

Debtors' deposits, contract voided, Minn. Statutes 2004 332.23

License fees, Minn. Statutes 2004 332.15

Repossession, Minn. Statutes 2004 332.24

Rewards, Minn. Statutes 2004 332.24

Rulemaking about

Contracts, Minn. Statutes 2004 332.21

Generally, Minn. Statutes 2004 46.01, 332.25

Recurrent payments, Minn. Statutes 2004 332.23

Statements, debtors, Minn. Statutes 2004 332.22

Supervision, Commerce Department powers, Minn. Statutes 2004 46.05

Sureties, liability, Minn. Statutes 2004 332.15

Surety bonds

Cash or securities in lieu of, Minn. Statutes 2004 332.15

Commerce Department, duties, Minn. Statutes 2004 332.15

Failure to maintain, Minn. Statutes 2004 332.20

Form and terms, Minn. Statutes 2004 332.15

Right of action, Minn. Statutes 2004 332.15

Telephone number

Supplying to commissioner, Minn. Statutes 2004 45.0112

Trade regulations and consumer protection, Minn. Statutes 2004 332.12 to 332.29

Transfers, licenses, Minn. Statutes 2004 332.18

Trust accounts, Minn. Statutes 2004 332.23

Trustees, see Directors, trustees, officers under this topic

Violations and penalties

Commingling of funds, Minn. Statutes 2004 332.23

Contracts, Minn. Statutes 2004 332.21, 332.23, 332.27

Directors, trustees, officers, violations, generally, Minn. Statutes 2004 46.26

Disobeying laws, generally, Minn. Statutes 2004 46.24

Generally, Minn. Statutes 2004 332.24, 332.26

Injunctions, Minn. Statutes 2004 332.28

Instate office, failure to maintain while performing services, fine, Minn. Statutes 2004 332.24

Licenses

Disqualification, Minn. Statutes 2004 332.16

Suspension, revocation, or denial, Minn. Statutes 2004 332.19, 332.20, 332.24

Unlicensed operation, Minn. Statutes 2004 332.14

Orders, violations, Minn. Statutes 2004 46.06

Unsafe practices, Minn. Statutes 2004 46.24

Witnesses, attendance, compelling, Minn. Statutes 2004 332.29