North Dakota Consumer Loan Agreement
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How to fill out Consumer Loan Agreement?
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The Consumer Protection and Antitrust Division protects North Dakota consumers from misleading, deceptive, or unlawful trade practices in connection with the sale or advertisement of goods or services by enforcing the state's antitrust laws and consumer fraud laws including, among others, false advertising, do-not-call ...
FindLaw Newsletters Stay up-to-date with how the law affects your life Legal Maximum Rate of Interest6% (§47-14-05); if contract in writing, up to 5.5% higher than average interest on treasury bills, but maximum must be at least 7% (§47-14-09)Interest Rates on JudgmentsContract rate, otherwise 12% (§28-20-34)2 more rows
The legal lending limit for banks varies by bank charter and by state. For a North Dakota-chartered state bank, the total liability of a single borrower may not exceed 25 percent of the bank's Tier 1 Capital as reported in the most recent Call Report.
Loan-to-value-ratio restrictions on banks' home loan lending are a Reserve Bank measure to slow rising house prices. For banks, it means no more than 20 per cent of their total new home loan lending can be for loans that exceed 80 per cent of a property's value.
A legal lending limit is the most a bank or thrift can lend to a single borrower. The legal limit for national banks is 15% of the bank's capital. If the loan is secured by readily marketable securities, the limit is raised by 10%, bringing the total to 25%.
There is a general agreement among North Dakota lawmakers to pass privacy legislation that gives consumers the right to know how data is used, collected, and shared; delete personal information; and opt out of the sharing of personal data that does not have a legitimate purpose.
