DEFERRED DEPOSIT LOANS, HIGH-INTEREST LOANS, TITLE LOANS AND CHECK-CASHING SERVICES
Nev. Rev. Stat. 604A
in effectContents
section604A.010. Definitions.section604A.015. Automated loan machine defined.section604A.020. Cashing defined.section604A.025. Check defined.section604A.030. Check-cashing service defined.section604A.035. Commissioner defined.section604A.036. Consumer credit defined.section604A.038. Covered service member defined.section604A.040. Customer defined.section604A.045. Default defined.section604A.050. Deferred deposit loan defined.section604A.055. Deferred deposit loan service defined.section604A.057. Dependent defined.section604A.060. Electronic transfer of money defined.section604A.065. Extension defined.section604A.070. Grace period defined.section604A.075. Licensee defined.section604A.080. Loan defined.section604A.083. Nationwide Multistate Licensing System and Registry or Registry defined.section604A.085. Refund anticipation loan defined.section604A.090. Regulation Z defined.section604A.105. Title loan defined.section604A.110. Title loan service defined.section604A.115. Title to a vehicle or title defined.section604A.120. Truth in Lending Act defined.section604A.125. Vehicle defined.section604A.150. Additional terms defined under federal law; calculation of amount financed, annual percentage rate and finance charge.section604A.200. Application of chapter to persons who seek to evade its provisions.section604A.210. Chapter does not prohibit licensee from offering customer grace period; restrictions.section604A.220. Uniformity of application and construction; resolution of conflicts.section604A.230. Effect of amendment or repeal of chapter on preexisting lawful contracts.section604A.240. Collection of loans made outside State.section604A.250. Exemptions from chapter. [Effective through December 31, 2029.]section604A.260. Applicability of provisions of chapter governing enforcement or collection of obligations originated under chapter.section604A.300. Regulations.section604A.303. Commissioner required to implement and maintain database of certain information related to deferred deposit loans, title loans and high-interest loans; fee; confidentiality; regulations.section604A.305. Authority to inform public of certain information relating to licensees offering services through Internet website.section604A.310. Certain relationships between officers and employees of Division of Financial Institutions and licensees prohibited; duty to terminate prohibited relationships.section604A.315. Commissioner required to investigate alleged violations of chapter.section604A.400. Operation of check-cashing service, deferred deposit loan service, high-interest loan service or title loan service without license prohibited; operation of deferred deposit loan service or high-interest loan service through automated loan machine prohibited; criminal penalties.section604A.405. Required notices and disclosures; regulations.section604A.409. Duties of licensee to safeguard customer information.section604A.501. Limitations on original term.section604A.502. Prohibited acts by licensee: Accepting collateral or other types of security; failing to make certain disclosures; taking incomplete instruments; requiring the purchase of insurance or other goods or services; failing to comply with payment plan; charging fee to cash certain checks.section604A.503. Limitations on amounts licensee may collect after default.section604A.504. Written loan agreement required; contents.section604A.505. Rescission of loan by customer.section604A.506. Limitations on fees licensees may charge after default on installment payments.section604A.507. Practices regarding customers who are members of military.section604A.508. Payment of loan in full.section604A.509. Practices regarding customers who are members of military.section604A.510. Short title.section604A.515. Applicability.section604A.570. Required disclosures.section604A.571. Prohibited fees.section604A.572. Prohibited advertisements.section604A.573. Required notices.section604A.574. Limitations on extended term of loans.section604A.575. Rescission of loan by customer.section604A.576. Collection of past due accounts; prohibited acts.section604A.577. Reporting violations of chapter.section604A.578. Certain licensees required to offer repayment plan.section604A.579. Licensee offering services through Internet website required to comply with applicable laws.section604A.580. Required disclosures.section604A.581. Prohibited fees.section604A.582. Prohibited advertisements.section604A.583. Required notices.section604A.584. Limitations on extended term of loans.section604A.585. Rescission of loan by customer.section604A.586. Collection of past due accounts; prohibited acts.section604A.587. Reporting violations of chapter.section604A.588. Certain licensees required to offer repayment plan.section604A.589. Licensee offering services through Internet website required to comply with applicable laws.section604A.590. Required disclosures.section604A.591. Prohibited fees.section604A.592. Prohibited advertisements.section604A.593. Required notices.section604A.594. Rescission of loan by customer.section604A.595. Collection of past due accounts; prohibited acts.section604A.596. Reporting violations of chapter.section604A.597. Certain licensees required to offer repayment plan.section604A.598. Licensee offering services through Internet website required to comply with applicable laws.section604A.600. Application for license.section604A.605. Additional materials to be submitted with application; grounds for denial of license.section604A.610. Surety bond.section604A.615. Deposit of securities in lieu of surety bond.section604A.620. Application for license for office or other place of business located outside State.section604A.625. Investigation of applicant; notice; hearing; order.section604A.630. Procedure upon denial of license.section604A.635. Issuance of license; display of license; issuance of additional licenses for branch locations; contents of license; license not transferable or assignable.section604A.640. Expiration, renewal and reinstatement of license; fees.section604A.645. Change of control of licensee: Notice; application to Commissioner.section604A.650. Licensee must conduct business in accordance with license; approval of business name; prohibition against using misleading or confusing business name or printed forms.section604A.655. Restrictions on location where licensee may conduct business; requirements to conduct business at same location as mortgage company or pawnbroker.section604A.660. Change of address by licensee: Notice; approval by Commissioner; penalty for failure to provide required notice.section604A.665. Commissioner authorized to take action to participate in Registry; charges for use; regulations; provisions do not affect authority of Commissioner regarding licensing.section604A.670. Submission and processing of fingerprints.section604A.675. Commissioner to report information to Registry; confidentiality of information provided; Commissioner authorized to enter into certain agreements and arrangements.section604A.680. Additional materials to be submitted to Registry.section604A.685. Licensee required to register and maintain unique identifier; Commissioner authorized to issue license through Registry; references to Commissioner deemed references to Registry.section604A.700. Required books and records.section604A.0703. High-interest loan defined.section604A.0705. High-interest loan service defined.section604A.710. Investigation of businesses; examination of books and records by Commissioner.section604A.720. Authority of Commissioner to require attendance of witnesses and production of books and records.section604A.730. Annual examinations by Commissioner; exceptions.section604A.740. Fees for regulatory activities; penalties for failure to pay fees.section604A.750. Annual report by licensee; composite reports; Commissioner may require additional reports.section604A.760. Fees for failure to submit reports.section604A.800. Temporary suspension of license: Conditions; notice; hearing; terms of suspension.section604A.810. Order to desist and refrain; action to enjoin violation; appointment of receiver.section604A.820. Procedure for taking disciplinary action; authorized disciplinary action; grounds.section604A.830. Additional grounds for disciplinary action.section604A.840. Surrender of license by licensee; effect of surrender.section604A.850. Preexisting contracts unaffected by revocation, suspension, expiration or surrender of license.section604A.900. Remedies for certain willful violations.section604A.910. Administrative fines for unlicensed activity.section604A.920. Other remedies for unlicensed activity.section604A.930. Civil action.section604A.940. Exercise of jurisdiction over party to civil action; service of summons to confer jurisdiction.section604A.5011. Licensee required to make determination of ability of customer to repay loan and compliance of loan with certain requirements before making loan.section604A.5012. Written loan agreement required; contents.section604A.5014. Requirements for collection of defaulted loan; civil action to collect debt; venue.section604A.5015. Practices regarding customers who are members of military.section604A.5016. Provision of information and materials concerning public assistance and services.section604A.5017. Limitation regarding amount of loan.section604A.5018. Prohibited acts by licensee regarding multiple loans to same customer.section604A.5021. Prohibited acts by licensee: Improper lending and collection practices; deceptive trade practices; false, misleading and deceptive advertising; reinitiating certain transactions; using agent, affiliate or subsidiary to avoid requirements or prohibitions of chapter.section604A.5023. Rescission of loan by customer.section604A.5024. Payment of loan in full.section604A.5025. Partial payment on loan.section604A.5026. Extended payment plan: Customer eligibility; requirements; restrictions; default.section604A.5027. Repayment plan.section604A.5029. Limitations on using proceeds of new deferred deposit loan or high-interest loan to pay balance of outstanding deferred deposit loan; exceptions.section604A.5031. Limitations on fees licensee may collect for check not paid upon presentment or failure of electronic transfer of money; standards for civil liability and criminal prosecution.section604A.5033. Receipt required for each payment by customer; contents.section604A.5034. Requirements regarding person acting as agent or assisting in making loan.section604A.5035. Determination of whether loan is high-interest loan.section604A.5037. Limitations on original term.section604A.5038. Licensee required to make determination of ability of customer to repay loan and compliance of loan with certain requirements before making loan.section604A.5041. Requirements for collection of defaulted loan; civil action to collect debt; venue.section604A.5042. Provision of information and materials concerning public assistance and services.section604A.5043. Practices regarding customers who are members of military.section604A.5045. Limitation regarding amount of loan.section604A.5046. Prohibited acts by licensee regarding multiple loans to same customer.section604A.5048. Prohibited acts by licensee: Accepting collateral or other types of security; failing to make certain disclosures; taking incomplete instruments; requiring the purchase of insurance or other goods or services; failing to comply with payment plan; charging fee to cash certain checks.section604A.5049. Prohibited acts by licensee: Improper lending and collection practices; deceptive trade practices; false, misleading and deceptive advertising; reinitiating certain transactions; using agent, affiliate or subsidiary to avoid requirements or prohibitions of chapter.section604A.5052. Payment of loan in full.section604A.5053. Partial payment on loan.section604A.5055. Repayment plan.section604A.5057. Limitations on using proceeds of new deferred deposit loan or high-interest loan to pay balance of outstanding high-interest loan; exceptions.section604A.5058. Limitations on amounts licensee may collect after default.section604A.5061. Limitations on fees licensee may collect for check not paid upon presentment or failure of electronic transfer of money; standards for civil liability and criminal prosecution.section604A.5063. Receipt required for each payment by customer; contents.section604A.5064. Requirements regarding person acting as agent or assisting in making loan.section604A.5065. Licensee required to make determination of ability of customer to repay loan and compliance of loan with certain requirements before making loan.section604A.5067. Written loan agreement required; contents.section604A.5068. Requirements for collection of defaulted loan; civil action to collect debt; venue.section604A.5071. Prohibited acts by licensee: Accepting certain collateral or other types of security; failing to make certain disclosures; taking incomplete instruments; requiring the purchase of insurance or other goods or services; failing to comply with payment plan; charging fee to cash certain checks.section604A.5072. Prohibited acts by licensee: Improper lending and collection practices; deceptive trade practices; false, misleading and deceptive advertising; reinitiating certain transactions; using agent, affiliate or subsidiary to avoid requirements or prohibitions of chapter.section604A.5074. Restrictions on duration of loan and periods of extension.section604A.5076. Prohibited acts by licensee regarding amount of loan, ownership of vehicle and customers ability to repay loan.section604A.5078. Applicability of Uniform Commercial Code; repossession of vehicle; civil action.section604A.5079. Rescission of loan by customer.section604A.5081. Partial payment on loan.section604A.5083. Repayment plan.section604A.5085. Limitations on amounts licensee may collect after default.section604A.5086. Limitations on fees licensee may collect for check not paid upon presentment or failure of electronic transfer of money; standards for civil liability and criminal prosecution.section604A.5088. Receipt required for each payment by customer; contents.section604A.5089. Requirements regarding person acting as agent or assisting in making loan.section604A.5092. Prohibited acts by licensee: Improper practices; deceptive trade practices; using agent, affiliate or subsidiary to avoid requirements or prohibitions of chapter.section604A.5094. Limitations on fees licensee may collect for check not paid upon presentment or failure of electronic transfer of money; standards for civil liability and criminal prosecution.section604A.5983. Prohibited annual percentage rates.section604A.5985. Required disclosures.section604A.5987. Prohibited terms of consumer credit to covered service member.section604A.50705. Provision of information and materials concerning public assistance and services.
Source: NV Statutes (Official Site)URL: https://www.leg.state.nv.us/nrs/NRS-604A.htmlFetched: 10/4/2026