Hawaii Revised Statutes 476. Credit Sales

• 476-1 Definitions.
  In this chapter, unless the context or subject matter otherwise requires: "Annual percentage rate" means the annual percentage rate of finance charge determined in...
• 476-2 Application When Inconsistent With Federal Provisions or Regulations.
  No contract, memorandum, or advertisement shall be required by this chapter to contain any disclosure which is inconsistent with the requirements of the federal...
• 476-3 General Requirements of Credit Sale Contracts.
  (a) Every credit sale contract shall: (1) Be in writing; (2) Contain, incorporate by reference, or otherwise clearly refer to all the agreement of...
• 476-4 Specific Requirements of Credit Sale Contracts.
  (a) Every credit sale contract which provides for the extension of open-end credit primarily for a personal, family, or household purpose shall disclose the...
• 476-5 Balloon Payments.
  With respect to any sale of goods, services, or both, purchased primarily for a personal, family, or household purpose, which is subject to this...
• 476-6 Deferred Payments, Interest, Etc.
  Any payment on account of the principal balance of a contract which is due on a particular date may be extended or deferred to...
• 476-7 Contract Copy to Buyer; Acknowledgment.
  (a) Upon the execution of the contract, a copy thereof, signed by the parties, shall be delivered immediately to the buyer; provided that if...
• 476-8 Insurance Provisions.
  (a) The amount, if any, charged for insurance shall not exceed the premiums chargeable in accordance with rate filings made with the state insurance...
• 476-9 Late Charges; Court Costs; Attorney's Fees.
  The holder of a credit sale contract, including any financial services loan company, may, if the contract so provides, collect a late charge on...
• 476-10 Blank Spaces in Contract; Assignee Without Knowledge.
  (a) When a paper whose contents at the time of signing shows that it is intended to become a credit sale contract is signed...
• 476-11 Catalog Mail Order Sales.
  Credit sales negotiated and entered into by mail without personal solicitation by a salesperson or other representative of the seller, and if seller's cash...
• 476-12 Payment Without Notice of Assignment.
  Unless the buyer has notice of actual assignment of a credit sale contract, payment thereunder made by the buyer to the last known holder...
• 476-13 Statement and Receipt of Payments.
  Upon written request from the buyer, the holder of a credit sale contract shall give or forward to the buyer a written statement of...
• 476-14 Acceleration of Time Payments.
  No provision in a credit sale contract by which, in the absence of the buyer's default, the holder may, arbitrarily and without reasonable cause,...
• 476-15 Confession of Judgment; Power of Attorney; Wage Assignment.
  No provision in a credit sale contract for confession of judgment, power of attorney therefor, or wage assignment shall be enforceable in this State....
• 476-16 Waiver of Illegal Act; Collection.
  No provision in a credit sale contract by which the buyer waives any of the requirements of this chapter or any right of action...
• 476-17 Subsequent Inclusion of Other Security.
  In a contract for a sale primarily for a personal, family, or household purpose, no provision for the subsequent inclusion of title to or...
• 476-18 Appointment of Agent; Collection or Repossession.
  No provision in a credit sale contract by which the buyer executes a power of attorney appointing the seller or holder of the contract,...
• 476-19 Preservation of Buyer's Rights; Assignment.
  (a) No contract shall contain any provision by which a buyer agrees not to assert against a seller a claim or defense arising out...
• 476-20 Referral Sales.
  Any sale of goods, services, or both, subject to this chapter, in which part of the inducement offered by the seller is a rebate,...
• 476-21 Failure to Comply; Remedy of Buyer; Penalty.
  In case of failure of the seller or holder to comply with the requirements of sections 476-3, 476-5 to 476-9, 476-11, 476-13, 476-19, 476-20...
• 476-22 Cancellation of Contract.
  After the payment of all sums for which the buyer is obligated under a credit sale contract, the holder of the contract shall mail...
• 476-23 Credit Upon Anticipation of Payments.
  Notwithstanding any provisions of a credit sale contract to the contrary, a buyer, upon five days' prior notice to the holder, may satisfy in...
• 476-24 Additions to and Consolidations of Credit Sale Contracts.
  Where a buyer makes any subsequent purchases of goods from a seller from whom the buyer has previously purchased goods under one or more...
• 476-25 Prohibition of Removal or Sale Without Notice.
  Unless the contract otherwise provides, the buyer may, without the consent of the seller, remove the goods from the island in which the goods...
• 476-26 Removal; Member of Armed Forces.
  Notwithstanding the provisions of section 476-25, a member of the armed forces of the United States on active duty who is a buyer of...
• 476-27 Fraudulent Injury, Concealment, Removal, or Sale; Penalty.
  When, in violation of the terms of the contract the buyer, maliciously or with intent to defraud, injures, destroys, or conceals the goods, or,...
• 476-28 Regulation of Finance Charges.
  It shall be unlawful, directly or indirectly, to charge, contract for, collect, or receive any finance charge, on a credit sale contract except as...
• 476-29 Advertising in Connection With Credit Sales.
  (a) Any person who advertises by television, radio, telephone, newspaper, magazine, other printed material, or in any other way, for the credit sale of...
• 476-30 Territorial Application.
  (a) Except as otherwise provided in this section, this chapter applies to a credit sale entered into in this State. For the purposes of...
• 476-31 Attorney General, Director of [the Office Of] Consumer Protection, or Prosecutor to Enforce Chapter.
  The attorney general, the director of the office of consumer protection, or the prosecuting attorney may bring an action in the name of the...
• 476-32 Short Title.
  This chapter may be cited as "The Credit Sales Act". [L 1961, c 102, pt of §1; Supp, §201A-33; HRS §476-38; am and ren...

Last modified: October 27, 2016