Registration Of Credit Services Organization Form Page 5
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10CHAPTER 538A
CREDIT SERVICES ORGANIZATIONS
538A.1 Definitions.
538A.2 Credit services organization defined — exemptions.
538A.3 Prohibited conduct.
538A.4 Bond — surety account.
538A.5 Registration.
538A.6 Disclosure statement.
538A.7 Form in terms of contract.
538A.8 Waiver.
538A.9 Action for damages.
538A.10 Injunction.
538A.11 Statute of limitations.
538A.12 Criminal penalty.
538A.13 Burden of proving exemption.
538A.14 Remedies cumulative.
538A.1 Definitions.
In
this
chapter, unless the context otherwise requires:
1. “Buyer” means an individual who is solicited to purchase or who purchases the
services of a credit services organization.
2. “Consumer reporting agency” has the meaning assigned by section 603(f), Fair
Credit Reporting Act, 15 U.S.C. § 1681a(f) as amended through January 1, 1989.
3. “Extension of credit” means the right to defer payment of debt or to incur debt and
defer its payment offered or granted primarily for personal, family, or household
purposes.
89 Acts, ch 183, §1
CS89, §533C.1
C93, §538A.1
538A.2 Credit services organization defined — exemptions.
1. A credit services organization is a person who, with respect to the extension of
credit by others and in return for the payment of money or other valuable consideration,
provides, or represents that the person can or will provide, any of the following services:
a. Improving a buyer’s credit record, history, or rating.
b. Providing advice or assistance to a buyer with regard to paragraph “a”.
2. The following are exempt from
this
chapter:
a. A person authorized to make loans or extensions of credit under the laws of this
state or the United States who is subject to regulation and supervision of this state or
the United States, or a lender approved by the United States secretary of housing and
urban development for participation in a mortgage insurance program under the
National Housing Act, 12 U.S.C. § 1701 et seq.
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