Wyoming Uniform Consumer Credit Code
Wyo. Stat. Ann. tit. 40, ch. 14
in effectContents
section40-14-101. Short title.section40-14-102. Purposes; rules of construction.section40-14-103. Supplementary general principles of law applicable.section40-14-104. Construction against implicit repeal.section40-14-105. Severability.section40-14-106. Waiver; agreement to forego rights; settlement of claims; legal rate of interest; applicability.section40-14-107. Effect on powers of organizations.section40-14-120. Territorial application.section40-14-121. Exclusions.section40-14-140. General definitions.section40-14-141. Definition.section40-14-142. Index of definitions.section40-14-201. Short title.section40-14-202. Scope; license required.section40-14-203. Definitions.section40-14-204. Definition of "consumer credit sale."section40-14-205. Additional definitions.section40-14-206. Definition of "consumer lease".section40-14-207. Definition of "seller".section40-14-208. Definition of "revolving charge account".section40-14-209. Definition of "credit service charge".section40-14-210. Definition of "cash price".section40-14-211. Definition of "amount financed".section40-14-212. Credit service charge for consumer credit sales other than revolving charge accounts.section40-14-213. Additional charges.section40-14-214. Delinquency charges.section40-14-215. Deferral charges.section40-14-216. Credit service charge on refinancing.section40-14-217. Credit service charge on consolidation.section40-14-218. Credit service charge for revolving charge accounts.section40-14-219. Advances to perform covenants of buyer.section40-14-220. Right to prepay.section40-14-221. Rebate upon prepayment.section40-14-222. Applicability; information required.section40-14-223. Repealed by Laws 1982, ch. 61, § 2.section40-14-224. Repealed by Laws 1982, ch. 61, § 2.section40-14-225. Statement of rate.section40-14-226. Repealed by Laws 1982, ch. 61, § 2.section40-14-227. Repealed by Laws 1982, ch. 61, § 2.section40-14-228. Repealed by Laws 1982, ch. 61, § 2.section40-14-229. Repealed by Laws 1982, ch. 61, § 2.section40-14-230. Repealed by Laws 1982, ch. 61, § 2.section40-14-231. Repealed by Laws 1982, ch. 61, § 2.section40-14-232. Repealed by Laws 1982, ch. 61, § 2.section40-14-233. Repealed by Laws 1982, ch. 61, § 2.section40-14-234. Repealed by Laws 1982, ch. 61, § 2.section40-14-235. Scope; violations of federal Military Lending Act.section40-14-236. Use of multiple agreements.section40-14-237. Certain negotiable instruments prohibited.section40-14-238. When assignee not subject to defenses.section40-14-239. Balloon payments.section40-14-240. Restriction on liability in consumer lease.section40-14-241. Security in sales or leases.section40-14-242. Cross-collateral.section40-14-243. Debt secured by cross-collateral.section40-14-244. No assignment of earnings.section40-14-245. Referral sales.section40-14-246. Notice of assignment.section40-14-247. Attorney's fees.section40-14-248. Limitation on default charges.section40-14-249. Authorization to confess judgment prohibited.section40-14-250. Change in terms of revolving charge accounts.section40-14-251. Definition.section40-14-252. Buyer's right to cancel.section40-14-253. Form of agreement or offer; statement of buyer's rights; form of notice of cancellation; compliance by seller.section40-14-254. Restoration of down payment; retention of goods by buyer.section40-14-255. Duty of buyer; no compensation for services prior to cancellation; noncompliance by buyer.section40-14-256. Sales subject to provisions by agreement of parties.section40-14-257. Definition. [Repealed effective July 1, 2021]section40-14-258. Applicability of other provisions to consumer related sales. [Repealed effective July 1, 2021]section40-14-259. Limitation on default charges in consumer related sales. [Repealed effective July 1, 2021]section40-14-260. Repealed by Laws 2021, ch. 14, § 3.section40-14-261. Definitions; prohibited assignments; applicable provisions.section40-14-301. Short title.section40-14-302. Scope; license required.section40-14-303. Definitions.section40-14-304. Definition of "consumer loan"; interests in land.section40-14-305. Loan primarily secured by an interest in land; definitions; limited to first mortgage loan. [Repealed effective July 1, 2021]section40-14-306. Definition of "loan".section40-14-307. Additional definitions.section40-14-308. Definition of "revolving loan account".section40-14-309. Definition of "loan finance charge".section40-14-310. Consumer loan finance charges.section40-14-311. Additional charges.section40-14-312. Delinquency charges.section40-14-313. Deferral charges.section40-14-314. Loan finance charge on refinancing.section40-14-315. Loan finance charge on consolidation.section40-14-316. Conversion to revolving loan account.section40-14-317. Advances to perform covenants of debtor.section40-14-318. Right to prepay.section40-14-319. Rebate upon prepayment.section40-14-320. Applicability; information required.section40-14-321. Repealed by Laws 1982, ch. 61, § 2.section40-14-322. Repealed by Laws 1982, ch. 61, § 2.section40-14-323. Statement of rate.section40-14-324. Repealed by Laws 1982, ch. 61, § 2.section40-14-325. Repealed by Laws 1982, ch. 61, § 2.section40-14-326. Repealed by Laws 1982, ch. 61, § 2.section40-14-327. Repealed by Laws 1982, ch. 61, § 2.section40-14-328. Repealed by Laws 1982, ch. 61, § 2.section40-14-329. Repealed by Laws 1982, ch. 61, § 2.section40-14-330. Repealed by Laws 1982, ch. 61, § 2.section40-14-331. Repealed by Laws 1982, ch. 61, § 2.section40-14-332. Scope.section40-14-333. Balloon payments.section40-14-334. No assignment of earnings.section40-14-335. Attorney's fees.section40-14-336. Limitation on default charges.section40-14-337. Notice of assignment.section40-14-338. Authorization to confess judgment prohibited.section40-14-339. Change in terms of revolving loan accounts.section40-14-340. Use of multiple agreements.section40-14-341. Definitions. [Repealed effective July 1, 2021]section40-14-342. Authority to make or enforce supervised loans. [Repealed effective July 1, 2021]section40-14-343. Repealed By Laws 1996, ch. 86, § 3.section40-14-344. Repealed By Laws 1996, ch. 86, § 3.section40-14-345. Repealed By Laws 1996, ch. 86, § 3.section40-14-346. Repealed By Laws 1996, ch. 86, § 3.section40-14-347. Repealed By Laws 1996 , ch. 86, § 3.section40-14-348. Loan finance charge. [Repealed effective July 1, 2021]section40-14-349. Use of multiple agreements. [Repealed effective July 1, 2021]section40-14-350. Restrictions on interest in land as security. [Repealed effective July 1, 2021]section40-14-351. Regular schedule of payments; maximum loan term. [Repealed effective July 1, 2021]section40-14-352. Conduct of business other than making loans. [Repealed effective July 1, 2021]section40-14-353. Repealed by Laws 2021, ch. 14, § 3.section40-14-354. Loans subject to provisions by agreement of parties.section40-14-355. Definition of “consumer related loan”; finance charge. [Repealed effective July 1, 2021]section40-14-356. Applicability of other provisions to consumer related loans. [Repealed effective July 1, 2021]section40-14-357. Limitation on default charges in consumer related loans. [Repealed effective July 1, 2021]section40-14-358. Repealed by Laws 2021, ch. 14, § 3.section40-14-359. Definitions; application.section40-14-360. Pawn finance charge; limits on amount financed and terms; minimum pawn finance charge.section40-14-361. Limitation on agreement and practices.section40-14-362. Definitions.section40-14-363. License required; post-dated check finance charge; limits on amount financed and terms; minimum finance charge.section40-14-364. Limitation on multiple agreements.section40-14-365. Right to rescind.section40-14-366. Extended payment plan; terms and conditions.section40-14-367. Notification.section40-14-368. Violations. [Effective July 1, 2021]section40-14-401. Short title.section40-14-402. Scope.section40-14-403. Definitions.section40-14-404. Creditor's provision of and charge for insurance; excess amount of charge.section40-14-405. Conditions applying to insurance to be provided by creditor.section40-14-406. Unconscionability.section40-14-407. Maximum charge by creditor for insurance.section40-14-408. Refund or credit required; amount.section40-14-409. Existing insurance; choice of insurer.section40-14-410. Charge for insurance in connection with a deferral, refinancing, or consolidation; duplicate charges.section40-14-411. Cooperation between administrator and commissioner of insurance.section40-14-412. Administrative action of commissioner of insurance.section40-14-430. Term of insurance.section40-14-431. Amount of insurance.section40-14-432. Filing and approval of rates and forms.section40-14-450. Property insurance.section40-14-451. Risk of loss or damage.section40-14-452. Liability insurance.section40-14-453. Cancellation by creditor.section40-14-454. Refund of certain credit insurance products upon prepayment; method.section40-14-501. Short title.section40-14-502. Scope.section40-14-503. Restrictions on deficiency judgments in consumer credit sales.section40-14-504. No garnishment before judgment.section40-14-505. Limitation on garnishment.section40-14-506. No discharge from employment for garnishment.section40-14-507. Extortionate extensions of credit.section40-14-508. Unconscionability.section40-14-520. Interests in land.section40-14-521. Effect of violations on rights of parties.section40-14-522. Civil liability for violation of disclosure provisions.section40-14-523. Debtor's right to rescind certain transactions. [Repealed]section40-14-524. Refunds and penalties as setoff to obligation.section40-14-540. Willful violations.section40-14-541. Disclosure violations.section40-14-601. Short title.section40-14-602. Applicability.section40-14-603. Administrator.section40-14-604. Powers of administrator; harmony with federal regulations; reliance on rules; duty to report and cooperate.section40-14-605. Administrative powers with respect to supervised financial organizations.section40-14-606. Examination and investigatory powers.section40-14-607. Applicability of Administrative Procedure Act.section40-14-608. Administrative enforcement orders.section40-14-609. Assurance of discontinuance.section40-14-610. Injunctions against violations.section40-14-611. Injunctions against unconscionable agreements and fraudulent or unconscionable conduct.section40-14-612. Temporary relief.section40-14-613. Civil actions.section40-14-614. Jury trial.section40-14-615. Debtors' remedies not affected.section40-14-616. Enforcement.section40-14-630. Applicability.section40-14-631. Notification.section40-14-632. Fees.section40-14-633. Crediting of monies.section40-14-634. License required; application; fee; conditions and execution; license nontransferable; display; renewal.section40-14-635. Revocation or suspension of license.section40-14-636. Records; confidentiality.section40-14-637. Surety bonds.section40-14-638. Mortgage call reports.section40-14-639. Report to the registry.section40-14-640. Additional definitions.section40-14-641. Loan originator licensing; registration; rulemaking.section40-14-642. Loan originator application; processing.section40-14-643. Issuance of loan originator licenses.section40-14-644. Prelicensing and relicensing education of loan originators.section40-14-645. Testing of mortgage loan originators.section40-14-646. Standards for loan originator license renewal; rulemaking.section40-14-647. Continuing education for mortgage loan originators; rulemaking.section40-14-648. Authority to require license.section40-14-649. Unique identifier; rulemaking.section40-14-701. Time of taking effect; provisions for transition. [Repealed effective July 1, 2021]section40-14-702. Continuation of licensing. [Repealed effective July 1, 2021]
Source: Public.Resource.Org WY StatutesURL: https://unicourt.github.io/cic-code-wy/transforms/wy/ocwy/r78/gov.wy.code.title.40.htmlFetched: 6/28/2026