Kan. Admin. Regs. Agency 75 — State Bank Commissioner—Division of Consumer and Mortgage Lending

agency-75K.A.R. Agency 75Regulation

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Article 1 Interest and Charges (not in active use)

Kan. Admin. Regs. § 75-1-1 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-403; effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)
Kan. Admin. Regs. § 75-1-2 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-403; effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)
Kan. Admin. Regs. § 75-1-3 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-403; effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)
Kan. Admin. Regs. § 75-1-4 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-403; effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)
Kan. Admin. Regs. § 75-1-5 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-403; effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)

Article 2 Precomputed Notes (not in active use)

Kan. Admin. Regs. § 75-2-1 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-403; effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)
Kan. Admin. Regs. § 75-2-2 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-403; effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)
Kan. Admin. Regs. § 75-2-3 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-403; effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)
Kan. Admin. Regs. § 75-2-4 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-403; effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)
Kan. Admin. Regs. § 75-2-5 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-403; effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)
Kan. Admin. Regs. § 75-2-6 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-403; effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)
Kan. Admin. Regs. § 75-2-7 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-403; effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)

Article 3 Insurance; Consumer Loan (not in active use)

Kan. Admin. Regs. § 75-3-1 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-403; effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)
Kan. Admin. Regs. § 75-3-2 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-403; effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)
Kan. Admin. Regs. § 75-3-3 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-403; effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)
Kan. Admin. Regs. § 75-3-4 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-403; effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)
Kan. Admin. Regs. § 75-3-5 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-403; effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)
Kan. Admin. Regs. § 75-3-6 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-403; effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)

Article 4 Receipts Under Loan Act (not in active use)

Kan. Admin. Regs. § 75-4-1 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-403; effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)
Kan. Admin. Regs. § 75-4-2 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-403; effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)
Kan. Admin. Regs. § 75-4-3 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-403; effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)
Kan. Admin. Regs. § 75-4-4 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-403; effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)

Article 5 Records Under Loan Act (not in active use)

Kan. Admin. Regs. § 75-5-1 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-403; effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)
Kan. Admin. Regs. § 75-5-2 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-403; effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)
Kan. Admin. Regs. § 75-5-3 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-403; effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)
Kan. Admin. Regs. § 75-5-4 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-403; effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)

Article 6 Uniform Consumer Credit Code

Kan. Admin. Regs. § 75-6-1 Making transactions outside of the scope of the Kansas uniform consumer credit code subject to same

The parties to a sale, lease, loan, or modification of a sale, lease, or loan that is not a consumer credit transaction may agree in a writing signed by the parties to make the transaction subject to the Kansas uniform consumer credit code. Any such agreement may be included in the contractual agreement evidencing the credit transaction, and when so included, no additional signatures shall be required to evidence the agreement to include the transaction within the scope of the Kansas uniform consumer credit code other than the signatures normally used in executing the credit transaction. In order to be effective, each such agreement shall be executed simultaneously with the contractual agreement evidencing the credit transaction.

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16a-6-104(e), as amended by 2009 SB 240, §21; implementing K.S.A. 16a-1-109; effective, E-74-13, Jan. 1, 1974; effective May 1, 1975; amended Oct. 2, 2009.)
Kan. Admin. Regs. § 75-6-2 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16a-6-104(e); implementing K.S.A. 16a-1-301(1); effective, E-74-13, Jan. 1, 1974; effective May 1, 1975; amended May 1, 1984; revoked July 14, 2000.)
Kan. Admin. Regs. § 75-6-3 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16a-6-104(e); effective, E-74-13, Jan. 1, 1974; effective May 1, 1975; revoked Aug. 9, 1996.)
Kan. Admin. Regs. § 75-6-4 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16a-6-104(e); effective, E-74-13, Jan. 1, 1974; effective May 1, 1975; revoked Aug. 9, 1996.)
Kan. Admin. Regs. § 75-6-5 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16a-6-104(e), 16a-2-510(5); effective, E-74-13, Jan. 1, 1974; effective May 1, 1975; revoked May 1, 1982.)
Kan. Admin. Regs. § 75-6-6 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by and implementing K.S.A. 16a-6-104(e); effective, E-74-13, Jan. 1, 1974; effective May 1, 1975; amended April 18, 1994; revoked July 14, 2000.)
Kan. Admin. Regs. § 75-6-7 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16a-6-104(e); effective, E-74-13, Jan. 1, 1974; effective May 1, 1975; revoked Aug. 9, 1996.)
Kan. Admin. Regs. § 75-6-8 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16a-6-104(e); effective, E-74-13, Jan. 1, 1974; effective May 1, 1975; revoked Aug. 9, 1996.)
Kan. Admin. Regs. § 75-6-9 Additional charges.

Kansas Administrative Regulations

State Bank Commissioner—Division of Consumer and Mortgage Lending

Article 6.—Uniform Consumer Credit Code

75-6-9. Additional charges.

The charges enumerated in K.S.A. 2025 Supp. 16a-2-501 (1)(d), and amendments thereto, shall be considered "additional charges in connection with a consumer credit transaction" if the charges meet the following requirements: (a) Are made under conditions that permit their exclusion from the definition of "finance charge" under K.S.A. 2025 Supp. 16a-1-301, and amendments thereto; (b) Are payable to a third party who is not related to the creditor, except as allowed by K.S.A. 2025 Supp. 16a-1-301 (13)(b), and amendments thereto; and (c) Either of the following conditions are met: (1) In relation to insurance premiums, the creditor or a person related to the creditor receives a commission on any insurance sold on the same day on which the consumer credit transaction was consummated; or (2) in relation to all other additional charges, the charges are made for goods, services, or both rendered within one month before or after the consummation of the consumer credit transaction.

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 2025 Supp. 16a-6-104; implementing K.S.A. 2025 Supp. 16a-2-501; effective, E-74-13, Jan. 1, 1974; effective May 1, 1975; amended May 1, 1985; amended Sept. 20, 1996; amended Oct. 2, 2009; amended July 24, 2026.)
Kan. Admin. Regs. § 75-6-10 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16a-6-104(e); effective, E-74-13, Jan. 1, 1974; effective May 1, 1975; revoked Aug. 9, 1996.)
Kan. Admin. Regs. § 75-6-11 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16a-6-104(e); implementing K.S.A. 16a-2-502, as amended by 1992 H.B. 2838, section 1; effective, E-74-13, Jan. 1, 1974; effective May 1, 1975; amended Aug. 6, 1990; amended Sept. 8, 1992; revoked Aug. 9, 1996.)
Kan. Admin. Regs. § 75-6-12 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16a-6-104(e); effective, E-74-13, Jan. 1, 1974; effective May 1, 1975; revoked Oct. 17, 1988.)
Kan. Admin. Regs. § 75-6-13 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 1973 Supp. 16a-6-104(e); effective, E-74-13, Jan. 1, 1974; effective May 1, 1975; revoked Oct. 17, 1988.)
Kan. Admin. Regs. § 75-6-15 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16a-6-104(1)(e); effective, E-74-13, Jan. 1, 1974; effective May 1, 1975; amended, E-77-28, May 21, 1976; amended Feb. 15, 1977; amended, E-78-13, April 21, 1977; amended May 1, 1978; revoked May 1, 1982.)
Kan. Admin. Regs. § 75-6-16 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16a-6-104(e); effective, E-74-13, Jan. 1, 1974; effective May 1, 1975; revoked Aug. 9, 1996.)
Kan. Admin. Regs. § 75-6-17 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16a-6-104(e); effective, E-74-13, Jan. 1, 1974; effective May 1, 1975; revoked Aug. 9, 1996.)
Kan. Admin. Regs. § 75-6-18 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16a-6-104(e); effective, E-74-13, Jan. 1, 1974; effective May 1, 1975; revoked Aug. 9, 1996.)
Kan. Admin. Regs. § 75-6-19 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16a-6-104(e), 16a-2-510(5); effective, E-74-17, April 5, 1974; effective May 1, 1975; revoked Jan. 16, 1989.)
Kan. Admin. Regs. § 75-6-20 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16a-6-104(e); effective May 1, 1975; revoked May 1, 1982.)
Kan. Admin. Regs. § 75-6-21 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16a-6-104(e); effective May 1, 1975; revoked May 1, 1982.)
Kan. Admin. Regs. § 75-6-22 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16a-6-104(e); effective May 1, 1975; revoked May 1, 1982.)
Kan. Admin. Regs. § 75-6-23 (K.S.A. 16a-3-305(1))

75-6-23. (K.S.A. 16a-3-305(1)). No assignment of earnings. When a debtor authorizes a deduction from his earnings by the debtor's employer to be paid to the employee's creditor in accordance with the provision permitting such a deduction in K.S.A. 16a-3-305(1), the authorization providing for such "earnings deduction" shall be in a separate printed form or writing apart from the contract. Such authorization shall contain a clear and conspicuous notice to the debtor that the "earnings deduction" that the debtor is authorizing may be revoked by the debtor at any time, and shall also provide appropriate wording so that the form may be used as a form for revoking any such authorization. A copy must be delivered to the debtor at the time of execution. In no such authorization may a reference to an "earnings deduction" be termed a wage assignment. For the purposes of remedies and penalties a violation of this regulation shall constitute a violation of K.S.A. 16a-3-305.

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 1976 Supp. 16a-6-104(1)(e); effective Feb. 15, 1977.)
Kan. Admin. Regs. § 75-6-24 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by and implementing K.S.A. 16a-2-401a; effective, E-79-9, April 20, 1978; effective May 1, 1979; amended, E-81-15, June 25, 1980; amended May 1, 1981; amended, T-83-16, July 1, 1982; amended May 1, 1983; amended, T-85-18, July 1, 1984; amended May 1, 1985; amended, T-87-14, June 6, 1986; amended May 1, 1987; amended, T-89-22, May 27, 1988; amended Oct. 1, 1988; amended July 23, 1990; amended July 20, 1992; amended July 1, 1998; revoked July 14, 2000.)
Kan. Admin. Regs. § 75-6-25 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 1978 Supp. 16a-2-401a(3), 16a-6-104(1)(e); effective May 1, 1979; revoked Aug. 9, 1996.)
Kan. Admin. Regs. § 75-6-26 Federal consumer credit laws

(a) Each creditor subject to the federal laws and regulations set forth below shall make the disclosures required under these laws and regulations, and shall comply with all other terms and provisions of these laws and regulations applicable to the creditor. The pertinent federal laws and regulations, which are hereby adopted by reference, shall be the following:

(1) Title I of the consumer credit protection act, 15 USC § 1601 et seq., as amended, and in effect on January 1, 2000;

(2) regulation M, 12 CFR part 213, including all appendices, as amended and in effect on January 1, 2000; and

(3) regulation Z, 12 CFR part 226, including all appendices, as amended and in effect on March 31, 2000.

(b) The terms "amount financed" and "annual percentage rate," as used in the Kansas uniform consumer credit code, shall have the same meanings given to these terms in, and shall be interpreted in a manner that is consistent with the usage and treatment of these terms in, and shall be calculated in a manner that conforms to the following:

(1) Title I of the consumer credit protection act, 15 USC § 1601 et seq., as amended, and in effect on January 1, 2000; and

(2) regulation Z, 12 CFR part 226, including all appendices, as amended and in effect on March 31, 2000.

(c) The terms "finance charge" and "prepaid finance charge," as used in the Kansas uniform consumer credit code, shall have substantially the same meanings given to these terms in, and shall be interpreted in a manner that is consistent with the usage and treatment of these terms in, and shall be calculated in a manner that conforms to the following:

(1) Title I of the consumer credit protection act, 15 USC § 1601 et seq., as amended, and in effect on January 1, 2000; and

(2) regulation Z, 12 CFR part 226, including all appendices, as amended and in effect on March 31, 2000.

(d) Notwithstanding subsection (c), the following shall not be included in the meaning of the terms "finance charge" and "prepaid finance charge" as used in the Kansas uniform consumer credit code:

(1) The actual fees paid a public official or agency of the state or federal government, for filing, recording or releasing any instrument relating to the debt; and

(2) bona fide and reasonable expenses incurred by the lender in connection with the making, closing, disbursing, extending, readjusting, or renewing of the debt that are payable to third parties not related to the lender. However, reasonable fees for an appraisal made by the lender or related party shall be permissible.

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by and implementing K.S.A. 1999 Supp. 16a-1-301, and K.S.A. 1999 Supp. 16a-6-117; effective, E-82-16, Aug. 12, 1981; amended, T-83-2, Jan. 7, 1982; amended, T-83-6, April 14, 1982; amended, T-84-10, May 25, 1983; amended, T-85-15, May 3, 1984; amended, T-86-12, May 1, 1985; amended, T-87-14, June 6, 1986; amended, T-88-15, July 1, 1987; amended, T-75-7-29-88, July 29, 1988; amended Sept. 19, 1988; amended June 11, 1990; amended Oct. 28, 1991; amended Sept. 8, 1992; amended March 7, 1997; amended Dec. 12, 1997; amended July 14, 2000.)
Kan. Admin. Regs. § 75-6-27 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16a-6-104(e); implementing K.S.A. 16a-2-510(4); effective, T-83-16, July 1, 1982; effective May 1, 1983; revoked Oct. 17, 1988.)
Kan. Admin. Regs. § 75-6-28 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16a-6-104(e) and implementing K.S.A. 1985 Supp. 16a-2-401, as amended by 1986 HB No. 3018; effective, T-87-19, July 23, 1986; amended May 1, 1987; revoked Oct. 17, 1988.)
Kan. Admin. Regs. § 75-6-29 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16a-6-104(1)(e) and implementing K.S.A. 1987 Supp. 16a-2-510(3)(4)(5), as amended by L. 1988, Ch. 86, Sec. 5; effective Jan. 16, 1989; revoked Aug. 9, 1996.)
Kan. Admin. Regs. § 75-6-30 Application; place of business

(a) Each person who proposes to engage in any of the activities for which a license is required under K.S.A. 16a-2-301, and amendments thereto, shall first apply for and obtain a license for each of the person's places of business. Each applicant for a license and each licensee seeking to license one or more additional places of business shall complete and submit a license application for each place of business.

(b) Each location at which an applicant or licensee regularly performs either of the following activities shall constitute a place of business for the purpose of this regulation:

(1) Makes a supervised loan to a Kansas consumer or makes any loan for personal, family, or household purposes to a Kansas consumer; or

(2) accepts payments on loans made to Kansas consumers that the applicant or licensee has taken assignment of for direct collection.

(c) Any location in Kansas at which an applicant or licensee places an automated loan machine shall be deemed a location where an applicant or licensee makes a supervised loan.

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by and implementing K.S.A. 2004 Supp. 16a-2-302(5), as amended by L. 2005, ch. 144, sec. 9; effective July 14, 2000; amended Jan. 6, 2006.)
Kan. Admin. Regs. § 75-6-31 Bond requirements.

Kansas Administrative Regulations

State Bank Commissioner—Division of Consumer and Mortgage Lending

Article 6.—Uniform Consumer Credit Code

75-6-31. Bond Requirements.

(a) Each supervised lender applicant shall provide, and each licensee shall maintain a surety bond of $100,000.00 for the first licensed place of business, plus an additional $25,000.00 for each additional licensed place of business.

(b) The total bond requirement for each applicant shall not exceed $300,000.00, unless the administrator determines that special circumstances require a higher surety bond for an applicant or licensee up to $1,000,000.

In determining whether a higher bond amount is necessary, the following factors shall be considered:

(1) Whether the applicant or licensee’s business involves technology or methods that may require additional regulatory oversight;

(2) whether the applicant or licensee has been the subject of regulatory or disciplinary actions by the administrator, any regulatory body of this state, or any other state, or any federal regulatory body; and

(3) whether the applicant or licensee’s structure, business activities, or operations possess elements of risk that may require additional regulatory oversight.

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 2025 Supp. 16a-2-302, and K.S.A. 2025 Supp. 16a-6-104; implementing K.S.A. 2025 Supp. 16a-2-302; effective July 14, 2000; amended Jan. 6, 2006; amended Oct. 2, 2009; amended July 24, 2026.)
Kan. Admin. Regs. § 75-6-32 Notification.

Kansas Administrative Regulations

State Bank Commissioner—Division of Consumer and Mortgage Lending

Article 6.—Uniform Consumer Credit Code

75-6-32. Consumer Credit filing.

(a) Each consumer credit filer shall file notice with the administrator within 30 days after commencing business in Kansas and, thereafter, on or before August 31 of each year. The notice shall be submitted on a form provided by the administrator.

(b) If the consumer credit filer’s name, status, or list of locations contained in the notification becomes inaccurate after filing, the consumer credit filer shall notify the administrator in writing within 30 days of the date of the change.

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 2025 Supp. 16a-6-104; implementing K.S.A. 2025 Supp. 16a-6-202; effective Feb. 23, 2001; amended July 24, 2026.)
Kan. Admin. Regs. § 75-6-33 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 2002 Supp. 16a-6-104; implementing K.S.A. 2002 Supp. 16a-2-304; effective Oct. 31, 2003; revoked Oct. 2, 2009.)
Kan. Admin. Regs. § 75-6-34 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 2002 Supp. 16a-6-104 and K.S.A. 2002 Supp. 16a-3-308; implementing K.S.A. 2002 Supp. 16a-3-308; effective Sept. 12, 2003; revoked Oct. 2, 2009.)
Kan. Admin. Regs. § 75-6-35 Net worth requirements

(a) Each applicant for a supervised loan license and each licensee shall maintain a positive net worth. Positive net worth shall show that the aggregate assets, excluding all intangible assets and receivables from related entities, exceeds liabilities, as determined in accordance with United States generally accepted accounting principles. The administrator may issue an exception to this positive net worth requirement.

(b) As evidence that the applicant is in compliance with subsection (a), each applicant and licensee shall submit annually to the administrator, on or before January 1, a current and complete financial statement, accompanied by a written statement signed by an independent certified public accountant attesting that the statement has been reviewed and is in compliance with generally accepted accounting principles. For the purposes of this regulation, a current financial statement shall be one that was prepared within the preceding 12 months.

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by and implementing K.S.A. 2024 Supp. 16a-2-302; effective Jan. 6, 2006; amended, T-75-6-24-25, June 24, 2025; amended Oct. 17, 2025.)
Kan. Admin. Regs. § 75-6-36 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by and implementing K.S.A. 16a-6-104, as amended by 2009 SB 240, §21; effective Oct. 2, 2009; revoked July 24, 2026.)
Kan. Admin. Regs. § 75-6-37 Revocation

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by and implementing K.S.A. 16a-6-104, as amended by 2009 SB 240, §21; effective Oct. 2, 2009; revoked July 24, 2026.)
Kan. Admin. Regs. § 75-6-38 Record retention.

Kansas Administrative Regulations

State Bank Commissioner—Division of Consumer and Mortgage Lending

Article 6.—Uniform Consumer Credit Code

75-6-38. Record retention.

(a) When a licensee or consumer credit filer originates a consumer credit transaction, the licensee or consumer credit filer shall retain the following records, as applicable, for at least 36 months following the consummation date of the consumer credit transaction or, if the transaction is not consummated, the application date:

(1) The application;

(2) the contract and any addendum or rider;

(3) all records and disclosures evidencing compliance with applicable federal lending and leasing laws and regulations;

(4) any written agreements with the consumer that describe rates or fees;

(5) any documentation that aided the licensee or consumer credit filer in making a decision to engage in a consumer credit transaction, including a credit report, verification of employment, verification of income, bank statements, payroll records, and tax returns;

(6) all paid invoices for credit report, filing, and any other closing costs;

(7) any credit insurance requests and insurance certificates;

(8) the assignment of the contract;

(9) all records of consumer correspondence, including written communications, electronic mail, instant messages and phone logs, any notes detailing contact with each consumer, and any phone conversation recordings or transcripts;

(10) all other agreements for products or services charged in connection with each transaction by the licensee, consumer credit filer, or third party, including guaranteed asset protection plans and warranties; and

(11) any other disclosures or statements required by law;

(b) When a licensee or consumer credit filer directly or indirectly undertakes collection of payments or enforcement of rights against debtors in any consumer credit transaction, the licensee or consumer credit filer shall retain the following records, as applicable, for at least 36 months following the final entry to each account:

(1) All records listed in subsection (a) if the licensee or consumer credit filer owns or takes assignment of the account;

(2) a complete payment history, including the following:

(A) An explanation of transaction codes, if used;

(B) the principal balance;

(C) the payment amounts;

(D) the payment dates;

(E) the distribution of each payment amount to interest, principal, and late fees or other fees; and

(F) any other amounts that have been added to, or deducted from, each consumer’s account; and

(3) any other statements, disclosures, invoices, or information for each account, including the following:

(A) Documentation supporting any amounts added to each consumer’s account or evidence that a service was actually performed in connection with these amounts, including costs of collection, attorney’s fees, skip tracing, retaking, or repossession fees;

(B) loan modification agreements;

(C) forbearance or any other repayment agreements;

(D) subordination agreements;

(E) surplus or deficiency balance statements;

(F) default-related correspondence or documents;

(G) evidence of sale of repossessed collateral;

(H) the notice of the consumer’s right to cure;

(I) property insurance advance disclosure;

(J) force-placed property insurance;

(K) notice and evidence of credit insurance premium refunds;

(L) deferred interest;

(M) suspense accounts;

(N) all records of correspondence with the consumer, including written communications, electronic mail, instant messages, phone logs, any notes detailing contact with the consumer, and any phone conversation recordings or transcripts; and

(O) any other product or service agreements.

(c) Each licensee and consumer credit filer shall retain any records relating to servicing activities of the licensee or consumer credit filer, including the records listed in this subsection, regarding any consumer credit transactions. The licensee or consumer credit filer shall retain the following records for at least the previous 36 months:

(1) Historical records for all adjustable rate indices used;

(2) a log of all accounts sold, transferred, or assigned that details to whom the accounts were sold, transferred, or assigned;

(3) a log of all accounts in which repossession activity has been initiated;

(4) a log of all credit insurance claims and accounts paid by credit insurance; and

(5) a schedule of servicing fees and charges imposed by the licensee, consumer credit filer, or a third party; and

(6) disclosures and agreements between the licensee or consumer credit filer and all servicers or sub-servicers the licensee or consumer credit filer uses to process any transactions.

(d) When a licensee or consumer credit filer purchases an account in a consumer credit transaction as defaulted debt or as a defaulted receivable, the licensee or consumer credit filer shall, in lieu of the requirements of subsections (a), (b), and (c), retain the following records relating to the purchased debts or receivables for at least 36 months following the purchase or final entry to each account, whichever is later:

(1) The consumer’s first and last name;

(2) the consumer’s social security number or other government-issued identification number, if obtained by the original creditor;

(3) the consumer’s last known address;

(4) the originating creditor’s name and address;

(5) evidence establishing the consumer’s liability, which may include a copy of the signed contract, a copy of the most recent debt or receivable terms and conditions, or a copy of the last activity statement;

(6) the account number;

(7) the unpaid balance due on the account along with an itemization of interest, fees, and payments, and any credits or adjustments;

(8) the date and amount of the consumer’s last payment, if any;

(9) the date and amount of the last disbursement or draw from the account;

(10) sufficient information to calculate the dates of account delinquency and default;

(11) the date of charge-off;

(12) a copy of a statement that reflects the unpaid balance at the time of charge-off;

(13) a copy of each bill of sale or other document evidencing the transfer of ownership of the debt or receivable from the initial sale by the original creditor to each successive owner, such that when the bills of sale or other documents are viewed in their totality they provide a complete and unbroken chain of title documenting the name and dates of ownership of the original creditor and each subsequent owner up to and including the buyer in the current sale;

(14) any settlement offers or agreements, whether or not accepted, between the consumer and the original creditor or between the consumer and any subsequent owner up to and including the buyer in the current sale;

(15) any paid-in-full notices or other documentation showing successful completion of a settlement, whether the settlement and its completion was between the consumer and the original creditor or between the consumer and any subsequent owner up to and including the buyer in the current sale; and

(16) all records of consumer correspondence, including written communications, electronic mail, instant messages and phone logs, any notes detailing contact with each consumer, and any phone conversation recordings or transcripts.

(e) Affidavits or attestations that are not sworn or attested by the original consumer shall not be substituted for any of the requirements of subsection (d).

(f) In addition to meeting the requirements specified in subsections (a) through (e), each licensee or consumer credit filer shall retain for at least the previous 36 months the documents related to the general business activities of the licensee or consumer credit filer, which shall include the following:

(1) Advertising records, including copies of printed advertisements or solicitations and those by internet or other electronic means;

(2) the business account check ledger or register;

(3) all financial statements, balance sheets, or statements of condition;

(4) a detailed list of all transactions originated, closed, purchased, or serviced; and

(5) a schedule of the licensee’s fees and charges.

(g) As used in this article:

(1) “Charge-off” means the time at which the original creditor has written off the debt or receivable and is no longer collecting from the consumer; and

(2) “licensee” and “consumer credit filer” includes assignees and servicers of consumer credit transactions and does not include supervised financial organizations.

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A.2025 Supp. 16a-6-104; implementing K.S.A. 2025 Supp. 16a-2-304; effective Oct. 2, 2009; amended July 24, 2026.)

Article 7 Fair Credit Reporting Act (not in active use)

Kan. Admin. Regs. § 75-7-1 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 50-721; effective, E-74-17, April 5, 1974; effective May 1, 1975; revoked May 1, 1980.)
Kan. Admin. Regs. § 75-7-2 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 50-721; effective, E-74-17, April 5, 1974; effective May 1, 1975; revoked May 1, 1980.)
Kan. Admin. Regs. § 75-7-3 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 50-721; effective, E-74-17, April 5, 1974; effective May 1, 1975; revoked May 1, 1980.)

Article 8 Kansas Investment Certificate Act (not in active use)

Kan. Admin. Regs. § 75-8-1 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by and implementing K.S.A. 16-601(6); effective, E-82-23, Dec. 9, 1981; effective May 1, 1982; revoked Aug. 9, 1996.)
Kan. Admin. Regs. § 75-8-2 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by and implementing K.S.A. 16-629(c); effective, E-82-23, Dec. 9, 1981; effective May 1, 1982; revoked Aug. 9, 1996.)
Kan. Admin. Regs. § 75-8-3 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by and implementing K.S.A. 16-629(b); effective, E-82-23, Dec. 9, 1981; effective May 1, 1982; amended, T-83-16, July 1, 1982; amended May 1, 1983; revoked Aug. 9, 1996.)
Kan. Admin. Regs. § 75-8-4 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by and implementing K.S.A. 16-629(b); effective, E-82-23, Dec. 9, 1981; effective May 1, 1982; revoked Aug. 9, 1996.)
Kan. Admin. Regs. § 75-8-5 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-629 (a); implementing K.S.A. 16-602(b); effective, E-82-23, Dec. 9, 1981; effective May 1, 1982; revoked Aug. 9, 1996.)
Kan. Admin. Regs. § 75-8-6 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by and implementing K.S.A. 16-629(b); effective, E-82-23, Dec. 9, 1981; effective May 1, 1982; revoked Aug. 9, 1996.)
Kan. Admin. Regs. § 75-8-7 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by and implementing K.S.A. 16-629(b); effective, E-82-23, Dec. 9, 1981; effective May 1, 1982; revoked Aug. 9, 1996.)
Kan. Admin. Regs. § 75-8-8 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-629(a); implementing K.S.A. 16-602(b); effective, E-82-23, Dec. 9, 1981; effective May 1, 1982; revoked Aug. 9, 1996.)
Kan. Admin. Regs. § 75-8-9 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-629(a); implementing K.S.A. 16-601(8); effective, E-82-23, Dec. 9, 1981; effective May 1, 1982; revoked Aug. 9, 1996.)
Kan. Admin. Regs. § 75-8-10 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by and implementing K.S.A. 16-629(b); effective, E-82-23, Dec. 9, 1981; effective May 1, 1982; revoked Aug. 9, 1996.)
Kan. Admin. Regs. § 75-8-11 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-629(a); implementing K.S.A. 16-602(b); effective, E-82-23, Dec. 9, 1981; effective May 1, 1982; amended May 1, 1983; revoked Aug. 9, 1996.)
Kan. Admin. Regs. § 75-8-12 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-629(a); implementing K.S.A. 16-601(30); effective, E-82-23, Dec. 9, 1981; effective May 1, 1982; revoked May 1, 1983.)

Article 26 Refunds; Sales Finance (not in active use)

Kan. Admin. Regs. § 75-26-1 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-506(a); effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)

Article 27 Insurance; Sales Finance (not in active use)

Kan. Admin. Regs. § 75-27-1 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-506(a); effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)

Article 28 Contracts; Sales Finance (not in active use)

Kan. Admin. Regs. § 75-28-1 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-506(a); effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)
Kan. Admin. Regs. § 75-28-2 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-506(a); effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)

Article 29 Records; Sales Finance (not in active use)

Kan. Admin. Regs. § 75-29-1 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-506(a); effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)
Kan. Admin. Regs. § 75-29-2 Revoked

Publisher status: INEFFECTIVE (not currently effective).

***** Authenticated Kansas Administrative Regulation *****

History

  • History: (Authorized by K.S.A. 16-506(a); effective Jan. 1, 1966; revoked, E-77-27, May 21, 1976; revoked Feb. 15, 1977.)

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