KY SB21 | 2015 | Regular Session
Status
Spectrum: Partisan Bill (Democrat 1-0)
Status: Introduced on January 6 2015 - 25% progression, died in chamber
Action: 2015-01-08 - WITHDRAWN
Text: Latest bill text (Draft #1) [MS Word]
Status: Introduced on January 6 2015 - 25% progression, died in chamber
Action: 2015-01-08 - WITHDRAWN
Text: Latest bill text (Draft #1) [MS Word]
Summary
Amend KRS 286.9-010, relating to deferred deposit transactions, to define "annual percentage rate," "consideration," and "interest"; amend KRS 286.9-100 to delete the service fee of $15 per $100 loan and establish a tiered maximum annual percentage rate based on the face amount of the deferred deposit check; provide that making a deferred deposit transaction in violation of the maximum interest provisions is an unfair, false, misleading and deceptive practice in violation of the Consumer Protection Act and subject to its rights and remedies; prohibit a licensee from engaging in deceptive practices to evade the requirements of Subtitle 9 of KRS Chapter 286; amend KRS 286.9-102 to require a licensee to conspicuously display interest charges for services; create a new section of Subtitle 9 of KRS Chapter 286 to provide that knowing violation of the maximum allowable interest rate provisions shall be deemed a forfeiture of the entire interest for the transaction and that the person who paid the interest, or his or her legal representative, may recover twice the amount paid in any action against the lender if commenced within two years of the deferred deposit transaction.
Title
AN ACT relating to deferred deposit transactions.
Sponsors
History
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| 2015-01-06 | Senate | introduced in Senate |
| 2015-11-12 | Senate | To: Interim Joint Committee on Banking and Insurance |
Kentucky State Sources
| Type | Source |
|---|---|
| Summary | http://www.lrc.ky.gov/record/15RS/SB21.htm |
| Text | http://www.lrc.ky.gov/record/15RS/SB21/bill.doc |
