Kansas Administrative Regulations Agency 75 - STATE BANK COMMISSIONER-CONSUMER AND MORTGAGE LENDING DIVISIONKansas Administrative Regulations Agency 75 - STATE BANK COMMISSIONER-CONSUMER AND MORTGAGE LENDING DIVISION
Here’s an overview of Kansas Administrative Regulations (K.A.R.) — Agency 75: State Bank Commissioner – Consumer and Mortgage Lending Division:
🏛️ What Agency 75 Covers
Agency 75 governs the oversight of consumer lending and mortgage-related financial services regulated by the Kansas Office of the State Bank Commissioner (OSBC). It establishes standards for lending practices, licensing, disclosures, and recordkeeping to protect Kansas consumers.
📘 Articles in Agency 75
As listed on Cornell LII and Justia, Agency 75 comprises:
Article 1 – Interest and Charges (§75‑1‑1 to §75‑1‑5)
Article 2 – Precomputed Notes (§75‑2‑1 to §75‑2‑7)
Article 3 – Insurance; Consumer Loan (§75‑3‑1 to §75‑3‑6)
Article 4 – Receipts Under Loan Act (§75‑4‑1 to §75‑4‑4)
Article 5 – Records Under Loan Act (§75‑5‑1 to §75‑5‑4)
Article 6 – Uniform Consumer Credit Code (UCCC) (§75‑6‑1 to §75‑6‑38)
Article 7 – Fair Credit Reporting Act (§75‑7‑1 to §75‑7‑3)
Article 8 – Kansas Investment Certificate Act (§75‑8‑1 to §75‑8‑12)
Articles 9–25 – Reserved (§75‑9 to §75‑25)
Article 26 – Refunds; Sales Finance (§75‑26‑1)
Article 27 – Insurance; Sales Finance (§75‑27‑1)
Article 28 – Contracts; Sales Finance (§75‑28‑1 & §75‑28‑2)
Article 29 – Records; Sales Finance (§75‑29‑1 & §75‑29‑2) (law.cornell.edu, osbckansas.gov)
🔍 Highlighted Provisions
Article 6 §75‑6‑26 adopts federal consumer credit laws (15 USC §1601 et seq.; Regulation Z and M) for key definitions and disclosures under the Kansas UCCC (law.cornell.edu).
Articles 1–5 set clear guidelines for interest rate limits, calculations for precomputed notes, required disclosures and receipts, as well as recordkeeping essential for compliance under the Consumer Loan Act.
Article 7 aligns licensees with the Fair Credit Reporting Act, requiring mandated disclosures and proper use of credit reporting agencies.
Articles 26–29 govern sales finance companies—standards for contracts, insurance disclosures, refunds, and record maintenance.
📚 Accessing Full Text & Official Versions
To view or download the full, current rules:
Kansas Secretary of State – K.A.R. online portal provides permanent and temporary regulations for Agency 75 .
OSBC's “Laws & Guidance” page offers official compilations of statutes, regulations (e.g., Kansas Consumer & Mortgage Lending Law Book 2024), and interpretive guidance (osbckansas.gov).
🗂️ Summary Table
Article
Topic
Key Sections / Notes
1‑5
Interest, Notes, Insurance, Receipts, Records
Interest limits; documentation
6
Uniform Consumer Credit Code (UCCC)
Federal integration via §75‑6‑26
7
Fair Credit Reporting
Consumer credit data usage
8
Investment Certificate Act
Regulation of deposit instruments
26‑29
Sales Finance Regulations
Contracts, refunds, insurance, records
✅ How to Use These Rules
Lenders & brokers must comply with interest rate caps, disclosure requirements, debt instrument wording, and maintain precise transactional records.
Sales finance companies have defined contractual standards, refund policies, insurance disclosures, and mandatory record retention.
Credit reporting compliance is enforced under Article 7, aligning with federal consumer data protection.
Licensing & adherence to UCCC is essential—definitions like "amount financed" and "APR" mirror federal rules via §75-6-26.
🎯 Need More Detail?
If you’d like:
Exact rule language (e.g. § 75‑1‑3 interest calculation, § 75‑6‑30 licensing procedures, Article 27 disclosures),
Clarification on federal law adoption in Agency 75,
Practical compliance guidance for lenders or finance companies,
Recent amendments or temporary regulations,
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