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StateLaw Databases

In-depth analysis of the laws that affect consumer credit transactions and privacy

Boat, RV, and Powersports

Boat, RV, and Powersports covers laws that apply to consumer-purpose retail installment sales of: (1) ATVs and ATV Trailers, (2) Boats and Boat Trailers, (3) Camping Trailers, (4) Motorcycles, (5) Motor Homes, (6) Personal Watercraft and Trailers, and (7) Snowmobiles and Trailers.

The questions relate to perfection of security interests, lien releases, and other pertinent issues. The responses are based on state statutes, regulations and materials published by the regulating entity. The responses generally do not cover local or municipal ordinances. The responses do not address issues related to direct loans.

Questions in the following categories are addressed:

  • Governing Law/Licensing
  • Record Retention
  • Finance Charge Rate
  • Origination Fees
  • Servicing Fees
  • Default Charges
  • Payment/Term Limitations
  • Modifications
  • Prepayment
  • Insurance Products and Debt Cancellation/GAP
  • Disclosure Requirements
  • Titling and Security Interests
  • Miscellaneous Issues
  • Collection
  • Penalties

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