Complete reference book of over 400 state finance law changes along with printed prima facie credit insurance rates. PLUS one full year subscription service for of INTEREST and Financial Publishing Newsletter with state law change updates to keep your book up to date.

This indispensable reference includes a history and overview of the consumer finance laws, state-by-state published prima facie rates for credit life and A&H insurance, plus practical conversion charts for add-on to simple interest, discount to simple interest, simple interest to add-on, and more. You'll turn to it often as a refresher, training tool, and desktop reference.

Federal Truth-in-Lending

The methods for computing charges

Classes of loans, lenders, and statutes governing them

The Uniform Consumer Credit Code

Late charges for retail installments sales contracts

Prepayment: Actuarial and 78's methods

Credit insurance

State-by-state coverage

Finance Charge tables

Types of mortgages

Governing regulations

Prepaid finance charges

Mortgage insurance

Common calculation issues

Let us do the work! You automatically receive updated pages for the Cost of Personal Borrowing as state and federal laws change. Updated at least 10 times annually, the service includes an updated maximum A.P.R. and interest rate table when UCCC dollar amounts are adjusted, plus revised prima facie credit insurance rates as they change.

Don't be months behind! This must-have resource tracks both federal and state changes as they happen. You'll also get an overview of upcoming and pending law changes that affect the consumer finance industry.

Comprehensive Package Includes:

The Cost of Personal Borrowing in the United States, 9" x 7 3/4" loose-leaf binder

Full Year of Updated Service

(#899 (ISBN - 978-0-87600-899-6) - $150/year value)

Full Year of Consumer Finance Newsletter

(#898 - $45/year value)