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Minnesota Legislature

Office of the Revisor of Statutes

REGULATED LENDERS

Access to data

Delayed notice, order, Minn. Statutes 2014 13A.03

Exceptions from law, Minn. Statutes 2014 13A.04

Fees for copying, Minn. Statutes 2014 48.513

Generally, Minn. Statutes 2014 13A.02

Government assistance programs, Minn. Statutes 2014 13A.04

Notice to customer, contents, Minn. Statutes 2014 13A.02 to 2014 13A.04

Subpoenas, Minn. Statutes 2014 13A.02, 2014 13A.04

Use of information, Minn. Statutes 2014 13A.02, 2014 13A.04

Access to, Commerce Department, Minn. Statutes 2014 56.10

Accounting systems, Minn. Statutes 2014 56.11

Address, supplying to commissioner, Minn. Statutes 2014 45.0112

Advertising, regulations, Minn. Statutes 2014 56.12

Appropriations to, license application refunds, Minn. Statutes 2014 56.04

Articles of incorporation, filing with commerce commissioner, Minn. Statutes 2014 47.08

Assets, amount required, Minn. Statutes 2014 56.02, 2014 56.04

Assignments

Cancellation and return, Minn. Statutes 2014 56.14

Compensation and salaries, Minn. Statutes 2014 56.16, 2014 56.17

Attorney fees, Minn. Statutes 2014 56.131

Audits and examinations

Agreements with Commerce Department, Minn. Statutes 2014 56.10

Commerce commissioner, duties, Minn. Statutes 2014 46.04, 2014 56.10

Fees, Minn. Statutes 2014 46.131, 2014 56.02, 2014 56.10

Frequency, Minn. Statutes 2014 46.04

Procedures, Minn. Statutes 2014 56.10

Requirements, generally, Minn. Statutes 2014 46.04

Board of directors, see Directors, trustees, officers under this topic

Bonds (officers and fiduciaries)

Characteristics, generally, Minn. Statutes 2014 45.0291

Relicensure, condition for, Minn. Statutes 2014 45.027

Certificates or policies, insurance, delivering copies to borrowers, Minn. Statutes 2014 56.155

Charges and rates

Adjustment, implicit price deflator, use in calculating, Minn. Statutes 2014 47.59, 2014 56.131

Advertising, Minn. Statutes 2014 56.12

Contracts or statements, notice, Minn. Statutes 2014 56.14

Customer service communications terminals (kiosks), display, Minn. Statutes 2014 56.07

Disclosure, Minn. Statutes 2014 56.12

Finance charges, open-end loans, computing, Minn. Statutes 2014 56.125

Generally, Minn. Statutes 2014 56.131

Insurance, Minn. Statutes 2014 56.125, 2014 56.155

Loans, Minn. Statutes 2014 56.131, 2014 56.15

Schedules, display, Minn. Statutes 2014 56.14

Closing costs, loans, Minn. Statutes 2014 56.131

Commerce Department, rulemaking authority, Minn. Statutes 2014 46.01, 2014 56.21

Computers

Comparison of data, Minn. Statutes 2014 13B.01 to 2014 13B.05

Use for reporting, Minn. Statutes 2014 56.11

Confession of judgment, Minn. Statutes 2014 56.12

Conflict of laws, credit extension maximum rates, Minn. Statutes 2014 47.59

Contested cases

Appeals, Minn. Statutes 2014 56.23

Removal, directors, trustees, officers, Minn. Statutes 2014 46.26, 2014 46.30

Violations of law, generally, Minn. Statutes 2014 46.24, 2014 46.26, 2014 46.30

Contracts and agreements

Credit sales or service, authority to make, Minn. Statutes 2014 56.132

Delivery, Minn. Statutes 2014 56.14

Examinations, agreements with Commerce Department, Minn. Statutes 2014 56.10

Validity, Minn. Statutes 2014 56.24

Credit insurance

Disability insurance, Minn. Statutes 2014 56.125, 2014 56.155

Health and accident insurance, Minn. Statutes 2014 56.155

Involuntary unemployment insurance, Minn. Statutes 2014 56.125, 2014 56.155

Life insurance, Minn. Statutes 2014 56.125, 2014 56.155

Sales commissions, Minn. Statutes 2014 47.016

Credit sales or service contracts

Authority to make, Minn. Statutes 2014 56.132

Generally, Minn. Statutes 2014 47.59

Customer service communications terminals, Minn. Statutes 2014 56.07

Debt management services providers, exclusion, Minn. Statutes 2014 332A.02

Deferments, precomputed loans, installment payment, Minn. Statutes 2014 56.131

Definitions

Generally, Minn. Statutes 2014 56.001

Interest rates, Minn. Statutes 2014 334.02

Residential Mortgage Originator and Servicer Licensing Act, Minn. Statutes 2014 58.02

Unsafe practices, Minn. Statutes 2014 46.23

Directors, trustees, officers

Appointment by commissioner, temporary, Minn. Statutes 2014 46.29

Fines, violations of law, Minn. Statutes 2014 46.32

Quorum, lack caused by removal, Minn. Statutes 2014 46.29

Removal by commissioner, Minn. Statutes 2014 46.26

Service of process on, Minn. Statutes 2014 46.33

Violations and penalties, Minn. Statutes 2014 46.32, 2014 56.19

Disclosure

Charges and rates, Minn. Statutes 2014 56.12

Finance charges, consumer loans and credit sales contracts, Minn. Statutes 2014 47.59

Insurance benefits, Minn. Statutes 2014 56.155

Electronic data processing, use for reporting, Minn. Statutes 2014 56.11

Electronic funds transfers, Minn. Statutes 2014 47.61 to 2014 47.74

Examining, see Audits and examinations under this topic

Fees

Amount of, adjusting, Minn. Statutes 2014 56.131

Attorney fees, Minn. Statutes 2014 56.131

Document changes, Minn. Statutes 2014 46.131

Examinations, generally, Minn. Statutes 2014 46.131, 2014 56.10

Investigations, generally, Minn. Statutes 2014 46.05, 2014 56.02, 2014 56.04

Licensing fees, Minn. Statutes 2014 56.02, 2014 56.04, 2014 56.08, 2014 56.09

Loans, Minn. Statutes 2014 56.12

Records requested by government authorities, copying, Minn. Statutes 2014 48.513

Finance charges

Generally, Minn. Statutes 2014 47.59

Open-end loans, computing, Minn. Statutes 2014 56.125

Fines

Commerce Department, imposing, Minn. Statutes 2014 45.027

Loan and credit sale contract violations, Minn. Statutes 2014 47.59

Foreclosure consultants, exclusion, Minn. Statutes 2014 325N.01

Foreclosure of mortgages, attorney fees, Minn. Statutes 2014 56.131

Gross misdemeanors, Minn. Statutes 2014 56.19

Hearings, license revocation, Minn. Statutes 2014 56.09

Homeowners insurance, Minn. Statutes 2014 56.155

Homesteads

Contracts surrendering, Minn. Statutes 2014 56.125

Loans for, Minn. Statutes 2014 56.12

Hours, open for business, Minn. Statutes 2014 56.07

Injunctions, Commerce Department, issuing by, Minn. Statutes 2014 45.027

Installment payments, precomputed loans, Minn. Statutes 2014 56.131

Insurance premium finance agreements, Minn. Statutes 2014 59A.03

Insurance

Generally, Minn. Statutes 2014 56.155

Premiums, Minn. Statutes 2014 56.155, 2014 59A.03

Providing, Minn. Statutes 2014 56.125

Interest rates

Adjustment, implicit price deflator, Minn. Statutes 2014 47.59, 2014 56.131

Amount, Minn. Statutes 2014 56.12

Contracting for and receiving, Minn. Statutes 2014 56.131

Installment loans, Minn. Statutes 2014 48.153

Limiting, Minn. Statutes 2014 48.195, 2014 56.15

Loans, limitations, Minn. Statutes 2014 48.195

Precomputed loans, charging, Minn. Statutes 2014 56.131

Types of, Minn. Statutes 2014 56.16

Usurious interest, Minn. Statutes 2014 48.196, 2014 334.02, 2014 334.03

Interpretive opinions by commissioner, Minn. Statutes 2014 56.10

Investigations

Commerce Department powers, generally, Minn. Statutes 2014 45.027, 2014 46.05, 2014 56.10

Fees, Minn. Statutes 2014 46.05

License applications, investigating, Minn. Statutes 2014 56.02, 2014 56.04

Kiosks, interactive, Minn. Statutes 2014 56.07

Lawsuits

Examination fees, recovering, Minn. Statutes 2014 56.10

Loan and credit sale contract violations, Minn. Statutes 2014 47.59

Liability

Commerce Department, Minn. Statutes 2014 56.25

Mortgage loans, unreasonable delay in closing, penalties, Minn. Statutes 2014 325F.691

Licenses

Altering, Minn. Statutes 2014 56.22

Amending, Minn. Statutes 2014 56.07

Applications for, Minn. Statutes 2014 56.02

Canceling, Minn. Statutes 2014 56.22

Contents, Minn. Statutes 2014 56.05

Customer service communications terminals (kiosks), Minn. Statutes 2014 56.07

Denying, Minn. Statutes 2014 45.027, 2014 56.04, 2014 56.09

Effective date, Minn. Statutes 2014 56.09

Exemptions, Minn. Statutes 2014 56.002

Fees, see same under this topic

Generally, Minn. Statutes 2014 56.01, 2014 56.18, 2014 56.26

Issuing, Minn. Statutes 2014 56.04, 2014 56.09

Motor vehicle sales finance company licenses, Minn. Statutes 2014 53C.02

Number of businesses per license, Minn. Statutes 2014 56.07

Posting, Minn. Statutes 2014 56.05

Reciprocity, Minn. Statutes 2014 45.0292

Reinstating, Minn. Statutes 2014 45.027, 2014 56.09

Revoking or suspending, Minn. Statutes 2014 45.027, 2014 56.09

Surrendering, Minn. Statutes 2014 56.09

Transferring, Minn. Statutes 2014 56.05

Violations and penalties, Minn. Statutes 2014 56.19

Liens

Loans secured by, Minn. Statutes 2014 56.12, 2014 56.125

Validity, Minn. Statutes 2014 56.17

Life insurance, Minn. Statutes 2014 56.125, 2014 56.155

Liquid assets, amount required, Minn. Statutes 2014 56.02, 2014 56.04

Loans

Adjustment of charges and rates, implicit price deflator, use in calculating, Minn. Statutes 2014 47.59, 2014 56.131

Charges and rates, Minn. Statutes 2014 56.131, 2014 56.15

Closing costs, Minn. Statutes 2014 47.59, 2014 56.131

Consideration, limiting, Minn. Statutes 2014 56.15

Consumer protection, Minn. Statutes 2014 47.59

Consumer short-term loans, Minn. Statutes 2014 47.601

Consumer small loans, Minn. Statutes 2014 47.60

Contracts, Minn. Statutes 2014 56.14, 2014 56.24

Conversion to interest bearing balance, Minn. Statutes 2014 47.59

Credit card plans, Minn. Statutes 2014 56.125

Credit insurance, Minn. Statutes 2014 47.59

Delinquency charges, Minn. Statutes 2014 47.59

Discounts, limiting, Minn. Statutes 2014 56.15

Enforcing, Minn. Statutes 2014 56.18, 2014 56.19

Fees, Minn. Statutes 2014 56.12

Finance charges, Minn. Statutes 2014 47.59, 2014 56.125, 2014 56.131

Generally, Minn. Statutes 2014 56.131

Insurance, Minn. Statutes 2014 56.155

Interest rates, see same under this topic

Liability insurance, Minn. Statutes 2014 47.59

Mail, loans by mail, Minn. Statutes 2014 56.12

Mortgage insurance, Minn. Statutes 2014 47.59

Mortgages, see same under this topic

Motor vehicle title loans, Minn. Statutes 2014 47.602

Official fees, Minn. Statutes 2014 47.59

Open-end loans, Minn. Statutes 2014 56.125

Payday loans, Minn. Statutes 2014 47.60, 2014 47.601

Principal, original amount, administration fees exclusion, Minn. Statutes 2014 47.59

Proceeds of, Minn. Statutes 2014 56.12

Promissory notes, contents, Minn. Statutes 2014 56.12

Property insurance, Minn. Statutes 2014 47.59

Receipts, delivery, Minn. Statutes 2014 56.14

Repayment, Minn. Statutes 2014 56.14

Secured transactions, Minn. Statutes 2014 56.12, 2014 56.125, 2014 56.131, 2014 56.155

Types of, Minn. Statutes 2014 56.16

Violations and penalties, Minn. Statutes 2014 47.59

Location of business, Minn. Statutes 2014 56.07

Manufactured home sales, finance charges, Minn. Statutes 2014 47.59

Minnesota Regulated Loan Act, Minn. Statutes 2014 56.0001

Mortgages

Contents, Minn. Statutes 2014 56.12

Foreclosure, attorney fees, Minn. Statutes 2014 56.131

Release, Minn. Statutes 2014 56.125, 2014 56.14

Unreasonable delay in closing, penalties, Minn. Statutes 2014 325F.691

Motor vehicle retail installment sales contracts, finance charges, Minn. Statutes 2014 47.59

Names, Minn. Statutes 2014 56.12

Notes

Cancellation and return, Minn. Statutes 2014 56.14

Contents, Minn. Statutes 2014 56.12

Oaths

Annual reports, Minn. Statutes 2014 56.11

Assignment of wages, Minn. Statutes 2014 56.17

License applications, Minn. Statutes 2014 56.02

Testimony, examinations, Minn. Statutes 2014 56.10

Obligations, collecting, Minn. Statutes 2014 56.25

Officers, see Directors, trustees, officers under this topic

Orders

Directors, officers, trustees, removal from office, Minn. Statutes 2014 46.26

Unsafe or unsound practices, cease and desist orders, Minn. Statutes 2014 46.24

Place of business, Minn. Statutes 2014 56.07, 2014 56.12

Pledges, restoring, Minn. Statutes 2014 56.14

Posting (notices)

Business hours, Minn. Statutes 2014 56.07

Licenses, Minn. Statutes 2014 56.05

Power of attorney, Minn. Statutes 2014 56.12

Premiums, insurance, Minn. Statutes 2014 56.155

Promises to pay, contents, Minn. Statutes 2014 56.12

Promissory notes, contents, Minn. Statutes 2014 56.12

Property insurance, requiring, Minn. Statutes 2014 56.155

Real estate closings, place, Minn. Statutes 2014 56.12

Real estate licensure, exemptions, Minn. Statutes 2014 82.56

Receipts (documents), loans, Minn. Statutes 2014 56.14

Records and record keeping

Access by government authorities, Minn. Statutes 2014 13A.02 to 2014 13A.04, 2014 48.513

Customer service communications terminals (kiosks), Minn. Statutes 2014 56.07

Electronic maintenance and storage, Minn. Statutes 2014 46.04, 2014 56.14

Examining by Commerce Department, Minn. Statutes 2014 56.10, 2014 56.11

Optical image storage systems, Minn. Statutes 2014 46.04

Retention and disposition, Minn. Statutes 2014 56.11

Reference base index, revision, Minn. Statutes 2014 56.131

Reports given

Commerce Department, Minn. Statutes 2014 56.11

Transactions, regulated, Minn. Statutes 2014 45.027

Residential mortgage originator and servicer licenses, exemptions, Minn. Statutes 2014 58.04, 2014 58.05

Responsibility, to Commerce Department, Minn. Statutes 2014 56.25

Rulemaking about, Minn. Statutes 2014 46.01, 2014 56.12, 2014 56.21

Safes, access to, by Commerce Department, Minn. Statutes 2014 56.10

Schedules, charges and rates, display, Minn. Statutes 2014 56.14

Secured transactions

Loans, Minn. Statutes 2014 56.12, 2014 56.125, 2014 56.131, 2014 56.155

Types of, Minn. Statutes 2014 56.16, 2014 56.17

Security agreements, Minn. Statutes 2014 56.17, 2014 336.9-201

Security interests, release, Minn. Statutes 2014 56.14

Service of process on, procedure, Commerce Department, Minn. Statutes 2014 45.028

Statements, Truth-in-lending Act, delivery, Minn. Statutes 2014 56.14

Statutes of limitations, violations, Minn. Statutes 2014 56.19

Subsidiaries

Defined as financial institutions, Minn. Statutes 2014 58.02

Residential mortgage originator and servicer licenses, exemptions, Minn. Statutes 2014 58.04, 2014 58.05

Supervision, Commerce Department powers, generally, Minn. Statutes 2014 46.05

Telephone numbers, supplying to commissioner, Minn. Statutes 2014 45.0112

Trustees, see Directors, trustees, officers under this topic

Truth-in-lending Act

Charges and rates, disclosure, Minn. Statutes 2014 56.12

Statements, delivery, Minn. Statutes 2014 56.14

Unlicensed lenders, Minn. Statutes 2014 56.19

Usury, Minn. Statutes 2014 56.18, 2014 334.20

Vaults, access to, by Commerce Department, Minn. Statutes 2014 56.10

Violations and penalties

Consumer small loan regulations, Minn. Statutes 2014 47.60

Credit sale contract violations, Minn. Statutes 2014 47.59

Directors, trustees, officers, violations, generally, Minn. Statutes 2014 46.26

Disobeying commerce commissioner's orders, Minn. Statutes 2014 46.06

Disobeying laws, generally, Minn. Statutes 2014 46.24

Generally, Minn. Statutes 2014 45.027, 2014 56.19

Gross misdemeanors, Minn. Statutes 2014 56.19

Loan finance charge violations, Minn. Statutes 2014 47.59

Unsafe practices, Minn. Statutes 2014 46.24

Usurious interest, Minn. Statutes 2014 48.196