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Minnesota Legislature

Office of the Revisor of Statutes

REGULATED LENDERS

Access to data

Delayed notice, order, Minn. Statutes 2009 13A.03

Exceptions from law, Minn. Statutes 2009 13A.04

Fees for copying, Minn. Statutes 2009 48.513

Generally, Minn. Statutes 2009 13A.02

Government assistance programs, Minn. Statutes 2009 13A.04

Notice to customer, contents, Minn. Statutes 2009 13A.02 to 2009 13A.04

Subpoenas, Minn. Statutes 2009 13A.02, 2009 13A.04

Use of information, Minn. Statutes 2009 13A.02, 2009 13A.04

Access to, Commerce Department, Minn. Statutes 2009 56.10

Accounting systems, Minn. Statutes 2009 56.11

Address, supplying to commissioner, Minn. Statutes 2009 45.0112

Advertising, regulations, Minn. Statutes 2009 56.12

Appropriations to, license application refunds, Minn. Statutes 2009 56.04

Articles of incorporation, filing with commerce commissioner, Minn. Statutes 2009 47.08

Assets, amount required, Minn. Statutes 2009 56.02, 2009 56.04

Assignments

Cancellation and return, Minn. Statutes 2009 56.14

Compensation and salaries, Minn. Statutes 2009 56.16, 2009 56.17

Attorney fees, Minn. Statutes 2009 56.131

Audits and examinations

Agreements with Commerce Department, Minn. Statutes 2009 56.10

Commerce commissioner, duties, Minn. Statutes 2009 46.04, 2009 56.10

Fees, Minn. Statutes 2009 46.131, 2009 56.02, 2009 56.10

Frequency, Minn. Statutes 2009 46.04

Procedures, Minn. Statutes 2009 56.10

Requirements, generally, Minn. Statutes 2009 46.04

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

Bonds (officers and fiduciaries)

Characteristics, generally, Minn. Statutes 2009 45.0291

Relicensure, condition for, Minn. Statutes 2009 45.027

Certificates or policies

Insurance, delivering copies to borrowers, Minn. Statutes 2009 56.155

Charges and rates

Adjustment, implicit price deflator, use in calculating, Minn. Statutes 2009 47.59, 2009 56.131

Advertising, Minn. Statutes 2009 56.12

Contracts or statements, notice, Minn. Statutes 2009 56.14

Customer service communications terminals (kiosks), display, Minn. Statutes 2009 56.07

Disclosure, Minn. Statutes 2009 56.12

Finance charges, open-end loans, computing, Minn. Statutes 2009 56.125

Generally, Minn. Statutes 2009 56.131

Insurance, Minn. Statutes 2009 56.125, 2009 56.155

Loans, Minn. Statutes 2009 56.131, 2009 56.15

Schedules, display, Minn. Statutes 2009 56.14

Closing costs, loans, Minn. Statutes 2009 56.131

Commerce Department, rulemaking authority, Minn. Statutes 2009 46.01, 2009 56.21

Computers

Comparison of data, Minn. Statutes 2009 13B.01 to 2009 13B.05

Use for reporting, Minn. Statutes 2009 56.11

Confession of judgment, Minn. Statutes 2009 56.12

Conflict of laws, credit extension maximum rates, Minn. Statutes 2009 47.59

Contested cases

Appeals, Minn. Statutes 2009 56.23

Removal, directors, trustees, officers, Minn. Statutes 2009 46.26, 2009 46.30

Violations of law, generally, Minn. Statutes 2009 46.24, 2009 46.26, 2009 46.30

Contracts and agreements

Credit sales or service, authority to make, Minn. Statutes 2009 56.132

Delivery, Minn. Statutes 2009 56.14

Examinations, agreements with Commerce Department, Minn. Statutes 2009 56.10

Validity, Minn. Statutes 2009 56.24

Credit insurance

Disability insurance, Minn. Statutes 2009 56.125, 2009 56.155

Health and accident insurance, Minn. Statutes 2009 56.155

Involuntary unemployment insurance, Minn. Statutes 2009 56.125, 2009 56.155

Life insurance, Minn. Statutes 2009 56.125, 2009 56.155

Sales commissions, Minn. Statutes 2009 47.016

Credit sales or service contracts

Authority to make, Minn. Statutes 2009 56.132

Generally, Minn. Statutes 2009 47.59

Customer service communications terminals, Minn. Statutes 2009 56.07

Debt management services providers, exclusion, Minn. Statutes 2009 332A.02

Deferments, precomputed loans, installment payment, Minn. Statutes 2009 56.131

Definitions

Generally, Minn. Statutes 2009 56.001

Interest rates, Minn. Statutes 2009 334.02

Residential Mortgage Originator and Servicer Licensing Act, Minn. Statutes 2009 58.02

Unsafe practices, Minn. Statutes 2009 46.23

Directors, trustees, officers

Appointment by commissioner, temporary, Minn. Statutes 2009 46.29

Fines, violations of law, Minn. Statutes 2009 46.32

Quorum, lack caused by removal, Minn. Statutes 2009 46.29

Removal by commissioner, Minn. Statutes 2009 46.26

Service of process on, Minn. Statutes 2009 46.33

Violations and penalties, Minn. Statutes 2009 46.32, 2009 56.19

Disclosure

Charges and rates, Minn. Statutes 2009 56.12

Finance charges, consumer loans and credit sales contracts, Minn. Statutes 2009 47.59

Insurance benefits, Minn. Statutes 2009 56.155

Electronic data processing, use for reporting, Minn. Statutes 2009 56.11

Electronic funds transfers, Minn. Statutes 2009 47.61 to 2009 47.74

Examining, see Audits and examinations under this topic

Fees

Amount of, adjusting, Minn. Statutes 2009 56.131

Attorney fees, Minn. Statutes 2009 56.131

Document changes, Minn. Statutes 2009 46.131

Examinations, generally, Minn. Statutes 2009 46.131, 2009 56.10

Investigations, generally, Minn. Statutes 2009 46.05, 2009 56.02, 2009 56.04

Licensing fees, Minn. Statutes 2009 56.02, 2009 56.04, 2009 56.08, 2009 56.09

Loans, Minn. Statutes 2009 56.12

Records requested by government authorities, copying, Minn. Statutes 2009 48.513

Finance charges

Generally, Minn. Statutes 2009 47.59

Open-end loans, computing, Minn. Statutes 2009 56.125

Fines

Commerce Department, imposing, Minn. Statutes 2009 45.027

Loan and credit sale contract violations, Minn. Statutes 2009 47.59

Foreclosure consultants, exclusion, Minn. Statutes 2009 325N.01

Foreclosure of mortgages, attorney fees, Minn. Statutes 2009 56.131

Gross misdemeanors, Minn. Statutes 2009 56.19

Hearings, license revocation, Minn. Statutes 2009 56.09

Homeowners insurance, Minn. Statutes 2009 56.155

Homesteads

Contracts surrendering, Minn. Statutes 2009 56.125

Loans for, Minn. Statutes 2009 56.12

Hours, open for business, Minn. Statutes 2009 56.07

Injunctions, Commerce Department, issuing by, Minn. Statutes 2009 45.027

Installment payments, precomputed loans, Minn. Statutes 2009 56.131

Insurance premium finance agreements, Minn. Statutes 2009 59A.03

Insurance

Generally, Minn. Statutes 2009 56.155

Premiums, Minn. Statutes 2009 56.155, 2009 59A.03

Providing, Minn. Statutes 2009 56.125

Interest rates

Adjustment, implicit price deflator, Minn. Statutes 2009 47.59, 2009 56.131

Amount, Minn. Statutes 2009 56.12

Contracting for and receiving, Minn. Statutes 2009 56.131

Installment loans, Minn. Statutes 2009 48.153

Limiting, Minn. Statutes 2009 48.195, 2009 56.15

Loans, limitations, Minn. Statutes 2009 48.195

Precomputed loans, charging, Minn. Statutes 2009 56.131

Types of, Minn. Statutes 2009 56.16

Usurious interest, Minn. Statutes 2009 48.196, 2009 334.02, 2009 334.03

Interpretive opinions by commissioner, Minn. Statutes 2009 56.10

Investigations

Commerce Department powers, generally, Minn. Statutes 2009 45.027, 2009 46.05, 2009 56.10

Fees, Minn. Statutes 2009 46.05

License applications, investigating, Minn. Statutes 2009 56.02, 2009 56.04

Kiosks, interactive, Minn. Statutes 2009 56.07

Lawsuits

Examination fees, recovering, Minn. Statutes 2009 56.10

Loan and credit sale contract violations, Minn. Statutes 2009 47.59

Liability

Commerce Department, Minn. Statutes 2009 56.25

Mortgage loans, unreasonable delay in closing, penalties, Minn. Statutes 2009 325F.691

Licenses

Altering, Minn. Statutes 2009 56.22

Amending, Minn. Statutes 2009 56.07

Applications for, Minn. Statutes 2009 56.02

Canceling, Minn. Statutes 2009 56.22

Contents, Minn. Statutes 2009 56.05

Customer service communications terminals (kiosks), Minn. Statutes 2009 56.07

Denying, Minn. Statutes 2009 45.027, 2009 56.04, 2009 56.09

Effective date, Minn. Statutes 2009 56.09

Exemptions, Minn. Statutes 2009 56.002

Fees, see same under this topic

Generally, Minn. Statutes 2009 56.01, 2009 56.18, 2009 56.26

Issuing, Minn. Statutes 2009 56.04, 2009 56.09

Motor vehicle sales finance company licenses, Minn. Statutes 2009 53C.02

Number of businesses per license, Minn. Statutes 2009 56.07

Posting, Minn. Statutes 2009 56.05

Reciprocity, Minn. Statutes 2009 45.0292

Reinstating, Minn. Statutes 2009 45.027, 2009 56.09

Revoking or suspending, Minn. Statutes 2009 45.027, 2009 56.09

Surrendering, Minn. Statutes 2009 56.09

Temporary, Minn. Statutes 2009 45.0111

Transferring, Minn. Statutes 2009 56.05

Violations and penalties, Minn. Statutes 2009 56.19

Liens

Loans secured by, Minn. Statutes 2009 56.12, 2009 56.125

Validity, Minn. Statutes 2009 56.17

Life insurance, Minn. Statutes 2009 56.125, 2009 56.155

Liquid assets, amount required, Minn. Statutes 2009 56.02, 2009 56.04

Loans

Adjustment of charges and rates, implicit price deflator, use in calculating, Minn. Statutes 2009 47.59, 2009 56.131

Charges and rates, Minn. Statutes 2009 56.131, 2009 56.15

Closing costs, Minn. Statutes 2009 47.59, 2009 56.131

Consideration, limiting, Minn. Statutes 2009 56.15

Consumer protection, Minn. Statutes 2009 47.59

Consumer short-term loans, Minn. Statutes 2009 47.601

Consumer small loans, Minn. Statutes 2009 47.60

Contracts, Minn. Statutes 2009 56.14, 2009 56.24

Conversion to interest bearing balance, Minn. Statutes 2009 47.59

Credit card plans, Minn. Statutes 2009 56.125

Credit insurance, Minn. Statutes 2009 47.59

Delinquency charges, Minn. Statutes 2009 47.59

Discounts, limiting, Minn. Statutes 2009 56.15

Enforcing, Minn. Statutes 2009 56.18, 2009 56.19

Fees, Minn. Statutes 2009 56.12

Finance charges, Minn. Statutes 2009 47.59, 2009 56.125, 2009 56.131

Generally, Minn. Statutes 2009 56.131

Insurance, Minn. Statutes 2009 56.155

Interest rates, see same under this topic

Liability insurance, Minn. Statutes 2009 47.59

Mail, loans by mail, Minn. Statutes 2009 56.12

Mortgage insurance, Minn. Statutes 2009 47.59

Mortgages, see same under this topic

Official fees, Minn. Statutes 2009 47.59

Open-end loans, Minn. Statutes 2009 56.125

Payday loans, Minn. Statutes 2009 47.60, 2009 47.601

Prepayment, Minn. Statutes 2009 56.131, 2009 56.14

Principal, original amount, administration fees exclusion, Minn. Statutes 2009 47.59

Proceeds of, Minn. Statutes 2009 56.12

Promissory notes, contents, Minn. Statutes 2009 56.12

Property insurance, Minn. Statutes 2009 47.59

Receipts, delivery, Minn. Statutes 2009 56.14

Repayment, Minn. Statutes 2009 56.14

Secured transactions, Minn. Statutes 2009 56.12, 2009 56.125, 2009 56.131, 2009 56.155

Types of, Minn. Statutes 2009 56.16

Violations and penalties, Minn. Statutes 2009 47.59

Location of business, Minn. Statutes 2009 56.07

Manufactured home sales, finance charges, Minn. Statutes 2009 47.59

Minnesota Regulated Loan Act, Minn. Statutes 2009 56.0001

Mortgages

Contents, Minn. Statutes 2009 56.12

Foreclosure, attorney fees, Minn. Statutes 2009 56.131

Release, Minn. Statutes 2009 56.125, 2009 56.14

Unreasonable delay in closing, penalties, Minn. Statutes 2009 325F.691

Motor vehicle retail installment sales contracts

Finance charges, Minn. Statutes 2009 47.59

Names, Minn. Statutes 2009 56.12

Notes

Cancellation and return, Minn. Statutes 2009 56.14

Contents, Minn. Statutes 2009 56.12

Notice given

Address and telephone number, Minn. Statutes 2009 45.0112

Business hours, to commissioner, Minn. Statutes 2009 56.07

Prepayment, more than three installments, Minn. Statutes 2009 56.14

Oaths

Annual reports, Minn. Statutes 2009 56.11

Assignment of wages, Minn. Statutes 2009 56.17

License applications, Minn. Statutes 2009 56.02

Testimony, examinations, Minn. Statutes 2009 56.10

Obligations, collecting, Minn. Statutes 2009 56.25

Officers, see Directors, trustees, officers under this topic

Orders

Directors, officers, trustees, removal from office, Minn. Statutes 2009 46.26

Unsafe or unsound practices, cease and desist orders, Minn. Statutes 2009 46.24

Place of business, Minn. Statutes 2009 56.07, 2009 56.12

Pledges, restoring, Minn. Statutes 2009 56.14

Posting (notices)

Business hours, Minn. Statutes 2009 56.07

Licenses, Minn. Statutes 2009 56.05

Power of attorney, Minn. Statutes 2009 56.12

Premiums, insurance, Minn. Statutes 2009 56.155

Promises to pay, contents, Minn. Statutes 2009 56.12

Promissory notes, contents, Minn. Statutes 2009 56.12

Property insurance, requiring, Minn. Statutes 2009 56.155

Real estate closings, place, Minn. Statutes 2009 56.12

Real estate licensure, exemptions, Minn. Statutes 2009 82.23

Receipts (documents), loans, Minn. Statutes 2009 56.14

Records and record keeping

Access by government authorities, Minn. Statutes 2009 13A.02 to 2009 13A.04, 2009 48.513

Customer service communications terminals (kiosks), Minn. Statutes 2009 56.07

Electronic maintenance and storage, Minn. Statutes 2009 46.04, 2009 56.14

Examining by Commerce Department, Minn. Statutes 2009 56.10, 2009 56.11

Optical image storage systems, Minn. Statutes 2009 46.04

Retention and disposition, Minn. Statutes 2009 56.11

Reference base index, revision, Minn. Statutes 2009 56.131

Reports given

Commerce Department, Minn. Statutes 2009 56.11

Transactions, regulated, Minn. Statutes 2009 45.027

Residential mortgage originator and servicer licenses

Exemptions, Minn. Statutes 2009 58.04, 2009 58.05

Responsibility, to Commerce Department, Minn. Statutes 2009 56.25

Rulemaking about, Minn. Statutes 2009 46.01, 2009 56.12, 2009 56.21

Safes, access to, by Commerce Department, Minn. Statutes 2009 56.10

Schedules, charges and rates, display, Minn. Statutes 2009 56.14

Secured transactions

Loans, Minn. Statutes 2009 56.12, 2009 56.125, 2009 56.131, 2009 56.155

Types of, Minn. Statutes 2009 56.16, 2009 56.17

Security agreements, Minn. Statutes 2009 56.17, 2009 336.9-201

Security interests, release, Minn. Statutes 2009 56.14

Service of process on, procedure, Commerce Department, Minn. Statutes 2009 45.028

Statements, Truth-in-lending Act, delivery, Minn. Statutes 2009 56.14

Statutes of limitations, violations, Minn. Statutes 2009 56.19

Subsidiaries

Defined as financial institutions, Minn. Statutes 2009 58.02

Residential mortgage originator and servicer licenses, exemptions, Minn. Statutes 2009 58.04, 2009 58.05

Supervision, Commerce Department powers, generally, Minn. Statutes 2009 46.05

Telephone numbers, supplying to commissioner, Minn. Statutes 2009 45.0112

Trustees, see Directors, trustees, officers under this topic

Truth-in-lending Act

Charges and rates, disclosure, Minn. Statutes 2009 56.12

Statements, delivery, Minn. Statutes 2009 56.14

Unlicensed lenders, Minn. Statutes 2009 56.19

Usury, Minn. Statutes 2009 56.18, 2009 334.20

Vaults, access to, by Commerce Department, Minn. Statutes 2009 56.10

Violations and penalties

Consumer small loan regulations, Minn. Statutes 2009 47.60

Credit sale contract violations, Minn. Statutes 2009 47.59

Directors, trustees, officers, violations, generally, Minn. Statutes 2009 46.26

Disobeying commerce commissioner's orders, Minn. Statutes 2009 46.06

Disobeying laws, generally, Minn. Statutes 2009 46.24

Generally, Minn. Statutes 2009 45.027, 2009 56.19

Gross misdemeanors, Minn. Statutes 2009 56.19

Loan finance charge violations, Minn. Statutes 2009 47.59

Unsafe practices, Minn. Statutes 2009 46.24

Usurious interest, Minn. Statutes 2009 48.196