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Maryland
Retail Installment Contract and Security Agreement

Maryland Retail Installment Contract and Security Agreement

Category:

Loans and Lending - Retail Installment Contracts

State:

Multi-State

Control #:

US-01496BG

Format:

Instant download

Description

In a retail installment sale to a consumer as defined by Regulation Z of the Federal Trade Commission (FTC), the creditor must make the disclosures required by Regulation Z clearly and conspicuously in writing, in a form that the consumer may keep. The disclosures must be grouped, must be segregated from everything else, and must not contain any information not directly related to the disclosures required by Regulation Z (although the disclosures may include an acknowledgment of receipt, the date of the transaction, and the consumer's name, address, and account number). 12 C.F.R. § 226.17(a)(1). Regulation Z sets forth several closed-end model forms and clauses which illustrate other formats for these disclosures. 12 C.F.R. Part 226, Appendix H.

A federal notice regarding preservation of the consumer's claims and defenses is
required on all consumer credit contracts by Federal Trade Commission regulation. 16
C.F.R. § 433.2. The notice must appear in at least 10- point, bold face, type or print and
must be worded as shown if the form.

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FAQ

Maryland Statute of Limitations for Contract Disputes The Maryland breach of contract statute of limitations on oral and written contracts is three years; however, claims based on a contract under seal may be filed for 12 years.

If the creditor does not go to court within the time limit, then the court generally will not order you to pay the debt. If the creditor does go to court within 3 years, and the court does order you to pay it, then that person has 12 years to collect it from you, unless the judgment is renewed.

Imposing unfair terms or conditions on a loan (such as lower loan amount or higher interest rates) based on personal characteristics protected under the ECOA. Asking detailed personal information regarding marital status, such as whether you are widowed or divorced.

This Act (Title VII of the Consumer Credit Protection Act) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.

Look for red flags, such as: Treated differently in person than on the phone or online. Discouraged from applying for credit. Encouraged or told to apply for a type of loan that has less favorable terms (for example, a higher interest rate)

The Maryland Equal Credit Opportunity Act provides, among other things, that with respect to any aspect of a credit transaction a creditor may not discriminate against any applicant on the basis of sex, marital status, race, color, religion, national origin, or age.

The Maryland Code is a compilation of the statutes and is generally organized by subject (e.g., Criminal Law Article, Family Law Article). The Supreme Court of Maryland, the highest court, promulgates rules that govern the practice and procedure in state courts.

The Equal Credit Opportunity Act (ECOA) prohibits discrimination in any aspect of a credit transaction. It applies to any extension of credit, including extensions of credit to small businesses, corporations, partnerships, and trusts.