(16) Make a loan so you're able to a customers detailed with a consult function that has been perhaps not clearly announced throughout the composed contract pursuant to point -step three otherwise assemble otherwise request installment of every a great equilibrium or outstanding desire or charge but while the given into the part -step 3 ;
(17) Fail to comply with any relevant county or federal laws and regulations appropriate to the affairs influenced through this part; or
(b) Along with another charges taken to less than so it part, one cost financing transaction during the violation off subsection (a) are gap and unenforceable."
"(d) The rate limitations loan till title Keaau HI contained in subsections (a) and (b) [for the section] and section 478-11.5 shall not apply to any [borrowing from the bank]:
Credit
(1) transaction authorized by, and entered into in accordance with the provisions of, articles 9 and 10 of chapter 412 or chapter 476[.]; or
" §478-5 Usury not recoverable. But if in any action on the contract proof is made that a greater rate of interest than that permitted by law has been directly or indirectly contracted for, the creditor shall only recover the principal and the debtor shall recover costs. This section shall not be held to apply[, so you can loans] to:
(1) Loans made by financial services loan companies and credit unions at the rates authorized under and pursuant to articles 9 and 10 of chapter 412[.]; or
" §478-6 Usury; penalty. Any person who directly or indirectly receives any interest or finance charge at a rate greater than that permitted by law or who, by any method or device whatsoever, receives or arranges for the receipt of interest or finance charge at a greater rate than that permitted by law on any credit transaction shall be guilty of usury and shall be fined not more than $250, unless a heightened number try welcome for legal reasons, or imprisoned not more than one year, or both."