INTEREST, LOANS, AND DEBT
Neb. Rev. Stat. ch. 45
in effectContents
section45-1,104. Federal interest rate limitations; rejected by state.section45-1,105. Terms, defined.section45-1,106. Consumer credit transaction; default; notice required.section45-1,107. Consumer credit transaction; default; consumer's right to cure.section45-1,108. Consumer credit transaction; voluntary surrender of goods; creditor's right to enforce security interest.section45-1,109. Consumer credit transactions; procedures; when applicable.section45-1,110. Consumer credit default procedures; not applicable to certain licensees.section45-1,111. Forced sale; disposition of certain proceeds.section45-1,112. Terms, defined.section45-1,113. Action or defense based on credit agreement; requirements.section45-1,114. Implied credit agreement; limitations.section45-1,115. Sections; applicability.section45-101.02. Terms, defined.section45-101.03. General interest rate; maximum; variable rate authorized; conditions.section45-101.04. General interest rate; maximum; when not applicable.section45-101.05. Mortgage loan; escrow account; how established and maintained.section45-101.06. Escrow accounts; not required.section45-101.07. Violations; penalty.section45-102. Interest; legal rate; exception.section45-103. Interest; judgments; decrees; rate; exceptions.section45-103.01. Postjudgment interest; accrual; when.section45-103.02. Prejudgment interest; accrual; when; conditions.section45-103.03. Interest; how computed.section45-103.04. Prejudgment interest; exceptions.section45-104. Interest; other contract obligations.section45-104.01. Interest; political subdivisions; delinquent taxes; special assessments.section45-104.02. Interest; State of Nebraska; delinquent taxes; special assessments; credits or refunds.section45-105. Usury; penalty.section45-106. Interest; warrants or orders.section45-107. Interest; effect on purchase of certain lands.section45-108. Interest; rate; when calculated by the year.section45-109. Contracts for payment of money or indebtedness; when usurious.section45-110. Usurious contracts; limit of recovery.section45-111. Usury; civil proceedings; testimony of lender compellable.section45-112. Usury; relief; tender of principal unnecessary.section45-113. Usury; witness; testimony not evidence in criminal proceeding, when.section45-189. Loan brokers; legislative findings.section45-190. Terms, defined.section45-191. Loan brokers; prohibited acts.section45-191.01. Loan brokerage agreement; written disclosure statement; requirements.section45-191.02. Loan brokers; filings with department required; filing fees.section45-191.03. Prohibited acts; violations; penalties.section45-191.04. Loan brokerage agreement; requirements; right to cancel.section45-191.05. Waiver of sections; attempt; prohibited.section45-191.06. Department; adopt rules and regulations.section45-191.07. Violation of loan brokerage agreement by loan broker; effect.section45-191.08. Director; enforcement powers.section45-191.09. Director; summary cease and desist order; when; other enforcement measures; collection of fines and costs; hearing; procedure; appeal.section45-191.10. Persons exempt.section45-191.11. Burden of proof.section45-204. Terms, defined.section45-205. Agreements; requirements; fees and delinquency charges authorized.section45-206. Monthly statement by seller; contents; payment in full; requirements.section45-207. Time-price differential; rate; maximum.section45-208. Violations; penalty.section45-209. Prohibited acts.section45-334. Act, how cited.section45-335. Terms, defined.section45-336. Installment loan license; installment sales license; when required; interest and other charges; limitations; applicability.section45-337. Installment loan license; installment sales license; application; form; contents; fee; license; issuance; procedure; not transferable or assignable; personal jurisdiction.section45-338. Surety bond.section45-339. Branch offices; establish; application; fee.section45-340. License; renewal; application; fees; failure to renew; effect; denial; appeal.section45-341. Revocation, suspension, cancellation, expiration, or surrender of license; conditions; effect; appeal.section45-342. Engage in business without license; penalty.section45-343. Main office or branch office; move or relocate; procedure.section45-344. Licensee; acquisition of control; approval or denial; procedure.section45-345. Licensee; reports to director; when; breach of security of the system; notification; net worth requirements; provide information to borrower.section45-346. Inspections, examinations, investigations; department; director; powers and duties; administrative fines; costs.section45-347. Installment loans; interest; subject to act.section45-348. Installment loan licensee; advance payments; application of payments.section45-349. Installment loans; interest rate authorized; charges permitted; computation; application of payments; violations; restrictions.section45-350. Installment loans; rate of interest; additional charges authorized; loan period; violation; effect.section45-351. Installment loan licensee; contacts with borrower; restrictions.section45-352. Installment loan licensee; permitted contacts.section45-353. Installment loan; agreement; borrower; default; procedure.section45-354. Installment loan; borrower; liability for deficiency.section45-355. Installment loan; liability of other parties.section45-356. Installment loans; assignment of wages; instruments in blank.section45-357. Repayment of loan; licensee; duties.section45-358. Borrower; right to action; licensee; judgment; effect.section45-359. Installment loan; insurance upon security; licensee may require; restrictions; refunds, when.section45-360. Preauthorized loans; authorized; billing cycle.section45-361. Preauthorized loans; requirements.section45-362. Preauthorized loans; insurance.section45-363. Licensee; reverse-mortgage loan; regulation.section45-364. Installment sales contract; requirements.section45-365. Installment sales contract; time-price differential; rate; maximum; origination fee.section45-366. Installment sales contract; insurance; policy; cancellation; premium refund; fee.section45-367. Installment sales contract; prepayment; rebate; how computed.section45-368. Installment sales contract; subsequent purchases; consolidate with previous contract; requirements.section45-369. Installment sales contract; delinquency charges; limitations; fee.section45-370. Installment sales contract; extension or deferment authorized; when; fee.section45-371. Installment sales contract; excess charges; contract void and uncollectible; civil suit.section45-372. Licensee; prohibited acts; cease and desist order; false statement; penalty.section45-373. License and registration under Nationwide Mortgage Licensing System and Registry; department; powers and duties; director; powers and duties; information sharing.section45-374. Rules and regulations; orders, rulings, demands, and findings.section45-375. Installment loans; violations; penalty; effect on loan; liability.section45-376. Violations by licensee; action by borrower; damages; liability.section45-377. Installment loans; enforcement of provisions; cease and desist order; injunction.section45-378. Cease and desist order; hearing; judicial review; enforcement; fine.section45-379. Administrative fine; procedure; lien.section45-380. Fees, charges, and costs; remittance.section45-601. Act, how cited; collection agency; license required; violation; penalty; foreign agency; communication authorized.section45-602. Terms, defined.section45-603. Collection Agency Licensing Board; created; members; term; expenses; employees; Secretary of State; duties.section45-604. Board; adopt rules and regulations.section45-605. Board; duties; application for license; filing; issuance; denial; appeal.section45-605.01. Nationwide Mortgage Licensing System and Registry; licensure and registration; requirements.section45-606. License; application; fees; financial statement; form.section45-607. License; qualifications of licensee.section45-608. Licensee; bond; conditions.section45-609. License; form; display.section45-610. Licensee; employees; solicitor's certificates; form.section45-611. Licenses; certificates; expiration; renewal; application; time.section45-612. Licensee; solicitor; violation; conviction; revocation; hearing; order.section45-613. Licensee; solicitor; complaint; citation; notice; hearing.section45-614. Licensee; solicitor; citation; power to issue subpoenas; depositions.section45-615. Licensee; solicitor; citation; hearing; board; findings; powers.section45-616. License; solicitor's certificate; appeals; procedure.section45-617. Licensee; solicitor's certificate; appeal; effect.section45-618. Licensee; change place of business; notify Secretary of State; new license; issuance; solicitor; employment terminated; return certificate.section45-619. Licensee; board; require financial statement; confidential.section45-620. License; certificates; fees.section45-622. Licensee; solicitor; prohibited from practice of law.section45-623. Collection of public debts; contracts authorized; requirements.section45-701. Act, how cited.section45-702. Terms, defined.section45-702.01. Reverse-mortgage loans; rules applicable; fees authorized; failure by licensee to make loan advances and cure default; forfeiture.section45-703. Act; exemptions.section45-703.01. Nonprofit organization; certificate of exemption; qualification; application; denial; notice; appeal; department; powers; revocation of certificate; grounds.section45-704. Registration required; registration statement; fee; procedure; bond; registrant; duties; renewal.section45-705. License or registration required; application; fees; background investigation; registered agent.section45-706. License; issuance; denial; abandonment; appeal; renewal; fees; inactive status; renewal; reactivation of license; notice of cancellation.section45-724. Surety bond; requirements.section45-725. Acquisition of control of mortgage banking business; procedure; fee; disapproval; hearing.section45-726. Reports.section45-727. Mortgage loan originator; license required; loan processor or underwriter; license required; temporary authority to act as mortgage loan originator; conditions.section45-728. License; application; form; fee; use of nationwide registry.section45-729. Issuance of mortgage loan originator license; director; findings required; denial; notice; appeal; application deemed abandoned; when; effect.section45-730. Prelicensing education requirements; course review and approval; relicensure requirements.section45-731. Written test requirement; subject areas.section45-732. License; term; renewal; minimum standards for renewal; fee; denial; appeal.section45-733. Licensed mortgage loan originator; continuing education; continuing education courses; review and approval; credit as instructor; relicensure requirements.section45-734. Mortgage loan originator license; inactive status; duration; renewal; reactivation.section45-735. Mortgage loan originator; employee or independent agent; restriction on activities and remote work arrangements; written agency contract; notification to department; fee; notice of termination.section45-736. Unique identifier; use.section45-737. Mortgage banker; licensee; duties.section45-737.01. Mortgage loan originator; licensee; duties.section45-738. Licensee; failure to deliver abstract of title.section45-739. Transfer of servicing rights; duties.section45-740. Prohibited acts; violation; penalty; civil liability.section45-741. Director; examine documents and records; investigate violations or complaints; director; powers; costs; confidentiality.section45-742. License; suspension or revocation; administrative fine; procedure; surrender; cancellation; expiration; effect; reinstatement.section45-742.01. Mortgage banker or mortgage loan originator license; emergency orders authorized; grounds; notice; emergency hearing; judicial review; director; additional proceedings.section45-743. Violations; administrative fine; costs; lien.section45-744. Cease and desist orders; department; powers; judicial review; violation; penalty.section45-745. Appeals.section45-746. Enforcement of act; director; powers; construction of act; failure to comply with act; effect.section45-747. Prohibited acts; penalty.section45-748. License and registration under Nationwide Mortgage Licensing System and Registry; department; powers and duties; director; duties.section45-749. Information sharing; privilege and confidentiality; limitations; applicability of section; director; powers.section45-750. Department; duties; rules and regulations.section45-751. Money collected; disposition.section45-752. Act; liberal construction.section45-753. Personal jurisdiction; when.section45-754. Loans subject to act.section45-801. Act, how cited.section45-802. Terms, defined.section45-803. Exemptions.section45-804. Prohibited acts.section45-805. Surety bond or surety account; requirements; action on surety; depository; Secretary of State; powers and duties.section45-806. Registration statement; contents; requirements; fee.section45-807. Written statement to buyer; contents; credit services organization; duties.section45-808. Contract; requirements; cancellation; procedure; notice; breach; effect.section45-809. Waiver of rights; void.section45-810. Damages.section45-811. Violation; injunction.section45-812. Violation; deceptive trade practice.section45-813. Statute of limitations.section45-814. Violation; penalty.section45-815. Remedies.section45-901. Act, how cited.section45-902. Terms, defined.section45-903. Act; not applicable to financial institutions.section45-904. License required; void transaction; effect.section45-905. Application for license; form; contents; criminal history record information check.section45-905.01. Nationwide Mortgage Licensing System and Registry; licensees; requirements; director; powers and duties.section45-906. Application; fees; bond.section45-907. Application; notice of filing; publication; hearing; investigation; costs.section45-908. License; issuance; conditions.section45-909. Application for license; timely action of director required; appeal.section45-910. License; posting; renewal; fees.section45-911. Surrender of license; effect.section45-912. Licensee; duty to inform director; when; breach of security of the system; notification.section45-913. License; not transferable or assignable.section45-914. Change in control of licensee; approval required.section45-915. Licensee; principal place of business; change of location; branch offices; approval required; fees.section45-915.01. Licensee; books and records.section45-916. Operating with other business; conditions.section45-917. Licensee; written notice; contents; fees, charges, and penalties; posting required.section45-918. Annual percentage rate; violation; effect; fee; limitation.section45-918.01. Returned check; collection; returned check charge; court costs; attorney's fees.section45-918.02. Prepayment; how treated.section45-918.03. Rescission; redemption.section45-918.04. Licensee; payment options; electronic payment with authorization.section45-919. Acts prohibited.section45-919.01. Extended payment plan; request; terms; default.section45-920. Director; examination of licensee; powers; costs.section45-921. Alleged violations; director; powers and duties.section45-922. Licensee; disciplinary actions; failure to renew.section45-923. Cease and desist order; procedure; appeal.section45-924. Injunction, restraining order, or writ of mandamus.section45-925. Violations; orders authorized; administrative fine; lien; failure to pay; separate violation.section45-926. Operating without a license; penalty.section45-927. Fees, charges, costs, and fines; distribution.section45-928. Personal jurisdiction over licensee.section45-929. Director; rules and regulations; additional powers.section45-930. Financial Literacy Cash Fund; created; use; investment.section45-931. Licensees; annual report; contents; department; duties; report.section45-1101. Act, how cited.section45-1102. Purpose of act; exclusions from act; exemption from insurance requirements.section45-1103. Terms, defined.section45-1104. Guaranteed asset protection waivers; not insurance; exempt from insurance laws; sale options; separate statement of cost; part of finance agreement; sale and marketing restrictions.section45-1105. Guaranteed asset protection waiver; disclosures required.section45-1106. Guaranteed asset protection waiver agreement; authorized terms; cancellation or early termination of finance agreement; refund; calculation; disposition.section45-1107. Modification of guaranteed asset protection waiver; limitations.section45-1201. Act, how cited.section45-1202. Terms, defined.section45-1203. Contractor; payment; payment request; subcontractor; payment; retainage; payment.section45-1204. Withholdings; authorized.section45-1205. Delay in payment; additional interest payment.section45-1206. Other remedies available.section45-1207. Residential real property; applicability of act.section45-1208. Applicability to contracts entered into on or after October 1, 2010.section45-1209. Contract provisions; void.section45-1210. Construction performed for political subdivision; liquidated or unliquidated claim; procedure; civil action authorized.section45-1211. Violation of act; action for recovery; attorney's fees and costs.section45-1301. Act, how cited.section45-1302. Terms, defined.section45-1303. Medical Debt Relief Program; established; State Treasurer; medical debt relief coordinator; duties.section45-1304. State Treasurer; report; contents.section45-1305. Discharge of medical debt; contributions; how treated.section45-1306. Medical Debt Relief Fund; created; use; investment.section45-1307. Rules and regulations.
Source: Nebraska Legislature (nebraskalegislature.gov)URL: https://nebraskalegislature.gov/laws/browse-chapters.php?chapter=45Fetched: 10/20/2026