This document governs the fees for banks, trust companies, savings banks, extranational institutions, savings associations, and call for reports in Oregon. It applies to Oregon based insured institutions, extranational institutions, and trust companies subject to the jurisdiction of the Director. The document provides definitions for terms used, such as ‘assets’ and outlines the process for determining fee assessments based on the average assets of the institutions. It also specifies the annual fee assessment amounts based on different asset ranges.

The provided legal document content covers a wide range of banking regulations in Oregon. It includes reporting requirements for deposits by various entities, such as Oregon commercial banks, Oregon savings banks, non-Oregon institutions, federal banks, insured institutions, and trust companies. The documents also outline the reporting requirements for banks and extranational institutions, including the submission of quarterly reports of condition, earnings, and dividends. Additionally, there are reporting requirements for trust companies, which must file a Report of Fiduciary Activity with the Director.

The provided legal document content covers a wide range of topics related to credit unions in Oregon. It includes definitions of various terms used in Oregon Administrative Rules chapter 441, divisions 710 and 720, which govern credit unions. The document also outlines procedures for establishing and expanding credit union membership, applying for community charters, and amending credit union bylaws to expand field of membership. It provides requirements for serving former occupational or associational groups, adding underserved areas to field of membership, and obtaining low-income credit union designation.

The provided legal document content covers a range of topics related to credit unions. It includes information on the powers and requirements for Oregon chartered corporate central credit unions, definitions of terms used in the credit union sector, risk weights and categories for credit unions, minimum capital ratio requirements for corporate central credit unions, procedures and computations for credit unions, required reserve transfers for corporate central credit unions, fidelity bond coverage requirements, adoption of federal statutes and regulations, mortgage assumptions, loan participations, commercial loans, collateral and security requirements, member business loans, board responsibilities and operational requirements for commercial lending, policies and procedures for commercial lending, risk classification of commercial loans, and waivers for specific loan types.

This document governs the limitation on charging a prepayment penalty by consumer finance licensees in Oregon. It applies specifically to consumer finance licensees. The document outlines situations where a licensee may not charge a penalty for prepayment of all or part of the unpaid balance of a loan. These situations include when the licensee refinances a loan they own, repossesses collateral and applies the proceeds towards the unpaid balance, forecloses on property and applies proceeds from the foreclosure, exercises an option in the loan agreement for immediate repayment, repays the loan balance with insurance benefits resulting from the borrower’s death, or demands repayment of the unpaid balance.

A licensee may not charge a penalty for prepayment of all or part of the unpaid balance of a loan where: (1) The licensee has repossessed any collateral offered for the loan, sold the collateral and applied the proceeds of the sale towards the unpaid balance of the loan; (2) The licensee exercises an option contained in the loan agreement to require immediate repayment of all or part of the unpaid balance of the loan; or (3) The licensee demands repayment of all or part of the unpaid balance of the loan.

Sec. 108. Definition: ‘Revolving Charge Account’ ‘Revolving charge account’ means an arrangement between a seller and a buyer pursuant to which: (1) the seller may permit the buyer to purchase goods or services on credit either from the seller or pursuant to a seller credit card; (2) the unpaid balances of amounts financed arising from purchases and the credit service and other appropriate charges are debited to an account; (3) a credit service charge if made is not precomputed but is computed on the outstanding unpaid balances of the buyer’s account from time to time; and (4) the buyer has the privilege of paying the balances in installments.

This legal document, governed by the Indiana Code, specifically the Trade Regulation section on Disclosure of Security Breach, outlines the disclosure and notification requirements for data base owners in the event of a breach of data security. According to the document, after discovering or being notified of a breach, the data base owner must disclose the breach to an Indiana resident if their unencrypted personal information or encrypted personal information with access to the encryption key was or may have been acquired by an unauthorized person.

The provided legal document content pertains to the Indiana Code, specifically the Trade Regulation section on DISCLOSURE OF SECURITY BREACH. This article does not apply to state agencies or the judicial or legislative department of state government. The document does not mention any specific penalties for non-compliance or violation. Therefore, entities other than state agencies and the judicial or legislative department of state government are subject to the provisions outlined in this document regarding the disclosure of security breaches.

This legal document found in the Indiana Code under the Trade Regulation section governs the duties concerning a victim of identity theft. It prohibits persons engaged in trade or commerce from denying credit or public utility service to a consumer solely because they were a victim of identity theft, provided that the person had prior knowledge of the consumer’s victimization. A consumer is presumed to be a victim of identity theft if they provide a copy of a police report and either a standardized affidavit of identity theft or an acceptable affidavit of fact.