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Revised Statutes - Title 6 RS 6 TITLE 6.BANKS AND BANKING RS 6:1 TITLE 6BANKS AND BANKING RS 6:2 General definitions RS 6:3 Effect on existing banks RS 6:4 Employment reference; release of certain information RS 6:5 Public policy RS 6:101 Establishment of office; commissioner RS 6:102 Officers and employees; post-employment restriction RS 6:103 Records of the Office of Financial Institutions RS 6:121 Regulatory powers; promulgation of rules and regulations RS 6:121.1 Enforcement powers of commissioner RS 6:121.1.1 Restrictions on enforcement power; cannabis-related legitimate businesses and service providers; egregious violations RS 6:121.2 Authority to obtain criminal history record information RS 6:121.3 Guidance by commissioner; advisory opinions RS 6:121.4 Addition of directors and executive officers of troubled state- chartered institutions and holding companies RS 6:121.5 Application containing false information or misrepresentations RS 6:121.6 Authority of the commissioner; nondepository institutions; emergencies RS 6:121.7 Return of payment; imposition of fee RS 6:121.8 Licensing systems RS 6:122 Power to issue cease and desist orders RS 6:123 Visitation and examination of state financial institutions RS 6:124 Call reports; statement of financial condition RS 6:124.1 Community reinvestment rating; acceptance of public funds RS 6:125 Reports of financial condition RS 6:126 Assessments on financial institutions; disposition of fees; creation of special fund RS 6:127 Retention of records of financial institutions; microfilm RS 6:128 Financial institutions' holidays; regulations RS 6:129 Circulating rumor respecting condition of financial institution RS 6:130 Relocation of main office RS 6:131 Applicability RS 6:132 Written decision; reasons; hearing RS 6:133 Reconsideration of decision RS 6:134 Judicial review; venue; effect RS 6:135 Record filed with court RS 6:136 Basis for judicial review RS 6:137 Judicial review; test; burden RS 6:138 Remand to the commissioner RS 6:201 STATE BANKS RS 6:211 Incorporation; number of incorporators, application for certificate of authority, filing fee; organization as a limited liability company RS 6:212 Corporate name RS 6:213 Articles of incorporation, filing, form, content; letter of acceptance for filing RS 6:214 Investigation into proposed state bank RS 6:215 Capital requirements; additional condition precedent RS 6:216 Certificate of authority; issuance, refusal RS 6:217 Effect of issuance of certificate of authority, filing requirements RS 6:218 Expenses of organization and financing RS 6:219 Bylaws RS 6:220 Stockholders' agreements RS 6:231 Method of amending articles generally RS 6:232 Articles of amendment; contents and filing RS 6:233 Restatement of articles RS 6:234 Special amendment provisions RS 6:241 General corporate powers RS 6:242 Banking powers RS 6:243 Immovable property; dealings RS 6:244 Transfers by bank and other acts in contemplation of insolvency RS 6:245 Changes in core business RS 6:246 Bank operating subsidiaries RS 6:251 Classes of shares; fractional shares RS 6:252 Issuance of shares; consideration RS 6:253 Reservation of shares RS 6:254 Convertible securities and stock-purchase rights RS 6:255 Certificates of stock RS 6:256 Transfer of shares RS 6:257 Restriction on transfer of shares and other securities RS 6:261 Accounting procedures RS 6:262 Impairment of capital; special meeting; notice to restore capital; assessments against stockholders; voluntary restoration RS 6:263 Dividends; stock purchased or redeemed; capital surplus required RS 6:271 Stockholders' preemptive rights RS 6:272 Stockholders' meetings RS 6:273 Quorum RS 6:274 Voting of stockholders RS 6:275 Consent of stockholders RS 6:276 Fixing record date RS 6:277 Voting trusts RS 6:278 Registered holder of shares RS 6:279 Inspection of books and records of state banks; annual report to stockholders RS 6:281 Board of directors; powers, number, term RS 6:282 Board of directors; eligibility, election, oath RS 6:283 Meetings of the board; quorum, written consent RS 6:284 Committees of the board of directors RS 6:284.1 Compliance review committees; privilege created RS 6:285 Officers and agents; election, powers, duties RS 6:286 Indemnification of officers, directors, employees, and agents RS 6:287 Bond of officers and employees; insurance fund RS 6:288 Interested directors; quorum RS 6:289 Loans to executive officers and employees RS 6:290 Directors' examinations RS 6:291 Relation and liability of directors and officers to bank and bank holding company stockholders RS 6:292 Directors or stockholders not participating in unlawful act RS 6:293 Actions against directors and officers of banks and bank holding companies RS 6:301 Cash reserves RS 6:302 Depleted reserve; notice, penalty RS 6:303 Sale and purchase of excess reserves; reports RS 6:311 Types of accounts authorized to offer RS 6:311.1 Powers of attorney, procuration, and mandate; written notice of revocation RS 6:312 Alternative deposits; payment RS 6:313 Withdrawal of money or property deposited by or for minors RS 6:314 Trust deposits; death of depositor, payment RS 6:315 Adverse claims to deposit; procedure, indemnifying bond RS 6:315.1 Transfer of small deposits; death of depositor; affidavits required; penalties RS 6:316 Pledge of deposit accounts; rights and remedies RS 6:317 Ownership of deposited funds RS 6:318 Letters of credit; use by banks RS 6:319 Public funds deposits RS 6:321 Access to safety deposit box leased by multiple persons RS 6:322 Access to safety deposit box leased by corporation or unincorporated association RS 6:323 Access to safety deposit box leased by trust estate RS 6:324 Access to safety deposit box leased by a person or persons with designated agent or deputy RS 6:325 Death of a customer and access and transfer of contents of safety deposit boxes, money, and other property by bank to succession or estate representatives, legatees, or heirs; authority RS 6:326 Transfer of contents of safety deposit boxes, money and other property by bank to legal representatives of minors or interdicts; authority RS 6:327 Abandonment of safety deposit box RS 6:327.1 Disposition of abandoned safety deposit box contents RS 6:328 Access to safety deposit boxes by authorized persons; security procedures RS 6:331 REPEALED BY ACTS 1993, NO. 278, 1, EFF. JAN. 1, 1994. RS 6:332 Attorney fiduciary accounts; overdraft notification to office of disciplinary counsel RS 6:333 Disclosure of financial records; reimbursement of costs RS 6:334 Foreclosure of mortgage RS 6:335 Sharing of electronic financial terminals RS 6:336 Legal and regulatory compliance; self-evaluations; privilege of results RS 6:337 Duty of secured party upon payment of insurance claim for damage to mortgaged residential property RS 6:338 Insurance settlement proceeds; return of excess funds; enforcement RS 6:341 Tender and acceptance of United States government gold and silver RS 6:351 Authorization for mergers, consolidations, and share exchanges RS 6:352 Merger or consolidation procedure RS 6:352.1 Share exchange procedure RS 6:353 Consolidation; articles of incorporation RS 6:354 When merger or consolidation effective RS 6:355 Effect of merger or consolidation RS 6:361 National bank converting into state bank RS 6:362 State bank converting into national bank RS 6:363 Continuation of corporate entity; use of old name RS 6:364 State bank converting into state stock savings and loan association RS 6:364.1 Approval of conversion; effective date of conversion RS 6:364.2 Effect of conversion from state bank into state stock savings and loan association RS 6:365 Federal or state stock savings and loan association converting into a state-chartered bank or savings bank RS 6:365.1 Merger or conversion of an existing financial institution RS 6:366 Voluntary transfer of assets RS 6:367 Voluntary purchase of assets and liabilities RS 6:371 Voluntary liquidations and dissolutions of solvent banks with prior approval of commissioner RS 6:372 Liquidation procedure RS 6:376 Rights of a stockholder dissenting from certain actions RS 6:381 Definitions RS 6:382 Authority of commissioner to take possession and commence conservatorship of state bank RS 6:383 Transfer of title to bank assets; extension of prescriptive periods RS 6:384 Notice of conservatorship; effect RS 6:385 Conservator's power to manage and control bank RS 6:386 Objection to conservatorship RS 6:387 Decision to liquidate bank or terminate conservatorship RS 6:391 Commencement of receivership; confirmation of receiver RS 6:392 Emergency sale of assets; purchase and assumption of assets RS 6:393 Notice to creditors and depositors RS 6:394 Payment of claims RS 6:394.1 Right of set-off RS 6:395 Distribution of assets RS 6:396 Termination of executory contracts RS 6:397 Subrogation to rights of bank depositors RS 6:398 Liquidation procedures involving trust assets RS 6:399 Destruction of records RS 6:400 Discharge of receiver RS 6:401 Exclusive procedures RS 6:411 PROHIBITED PRACTICES; SANCTIONS RS 6:412 Unauthorized use of the word "bank" or similar words RS 6:412.1 Soliciting using lender's name or customer loan information; restrictions; injunction; damages; attorney fees; enforcement RS 6:413 Prohibited use of the term "insured savings" RS 6:414 Use of certain terms by persons other than financial institutions prohibited RS 6:414.1 Derogatory statements regarding financial condition of financial institution prohibited; penalty RS 6:415 Loans; other credit exposure; derivative transactions; restrictions; penalties RS 6:416 Loan on pledge of own stock and pledge of own stock prohibited RS 6:417 Unlawful solicitation or acceptance of gratuity or compensation by officer, director, or employee RS 6:418 Pledge of assets to secure deposits; exceptions; penalty RS 6:419 Receipt of deposits while insolvent RS 6:420 False entries or reports; failure to exhibit books; reporting of criminal violations RS 6:421 Overdrafts RS 6:422 Excessive borrowings or repurchase agreements RS 6:423 Check-cashing facility; location of business limited RS 6:451 MISCELLANEOUS FINANCIAL INSTITUTIONS RS 6:452 Loan production offices; power of commissioner to adopt rules and regulations RS 6:453 Deposit production offices; power of commissioner to adopt rules and regulations RS 6:454 Combination of loan production office, deposit production office, and electronic financial terminal RS 6:501 Branch offices; authority RS 6:502 Repealed by Acts 1988, No. 39, 2, eff. June 10, 1988. RS 6:503 Repealed by Acts 1988, No. 39, 2, eff. June 10, 1988. RS 6:504 Branches in foreign countries RS 6:505 Repealed by Acts 1988, No. 39, 2, eff. June 10, 1988. RS 6:506 Certificate of authority for branch office RS 6:507 Closure of branch office RS 6:511 Declaration of policy RS 6:512 Definitions RS 6:513 Prohibitions RS 6:514 Penalties RS 6:515 Administration RS 6:516 Savings clause RS 6:517 Minority stockholders' rights RS 6:518 Oppressed shareholder's remedies RS 6:521 Prohibitions RS 6:531 Declaration of policy RS 6:532 Definitions RS 6:533 Scope of Part RS 6:534 Law applicable to interstate bank branches; purpose RS 6:535 Interstate acquisitions; filings with commissioner RS 6:536 Interstate bank acquisitions, filings with commissioner RS 6:537 Emergency acquisitions RS 6:537.1 Parity provision RS 6:538 Five-year continuous operation requirement RS 6:539 Agency activities; prohibitions RS 6:540 Authority to issue regulations; cooperative agreements; fees; enforcement RS 6:540.1 Savings clause RS 6:540.2 Construction with other laws RS 6:541 Declaration of policy RS 6:542 Definitions RS 6:543 Limited exception to bank holding company acts RS 6:544 Organization of financial service center banks RS 6:545 Powers and functions RS 6:546 Additional powers; rate export RS 6:547 Additional requirements RS 6:548 Interest rate parity; open-end credit RS 6:551.1 Definitions RS 6:551.2 Foreign banking activities; authorized RS 6:551.3 Subsidiary bank; authorization RS 6:551.4 Edge Act or agreement corporation; authorization RS 6:551.5 Location; limitation RS 6:551.6 Filing requirements RS 6:551.7 Requirements to operate; fees RS 6:551.8 Application required; contents RS 6:551.9 Approval or disapproval of application RS 6:551.10 Certificate of authority; transfer prohibited; display required RS 6:551.11 Renewal RS 6:551.12 Revocation and surrender RS 6:551.13 State agency; authorized actions RS 6:551.14 State representative office; authorization; permitted activities RS 6:551.15 State administrative office; authorization; permitted activities RS 6:551.16 Branch banks and agencies RS 6:551.17 State international banking facilities RS 6:551.18 Purchase of real estate RS 6:551.19 Paid-in capital; surplus; undivided profits RS 6:551.20 Capital requirements RS 6:551.21 Purchase of credit instruments RS 6:551.22 Annual report and periodic reporting requirements RS 6:551.23 Termination RS 6:551.24 Rules and regulations RS 6:551.25 Examination authority RS 6:551.26 Asset pledge requirements RS 6:571 General authority RS 6:572 Definitions RS 6:573 Organization RS 6:574 Capital RS 6:575 Powers RS 6:576 New application, supervision, regulation, and examination of trust bank RS 6:577 Trust companies chartered under prior law RS 6:578 Affiliates RS 6:579 Self-dealing RS 6:580 Insurance coverage RS 6:581 Capital notes or debentures RS 6:591 Private trust company RS 6:592 Requirements to apply for and maintain status as a private trust company RS 6:593 Conversion to public trust company RS 6:601 Investment in trust company facilities RS 6:602 Other real estate RS 6:611 Securities RS 6:612 Transactions in trust company shares or participation shares RS 6:613 Subsidiaries RS 6:614 Mutual funds RS 6:615 Engaging in commerce prohibited RS 6:621 Borrowing limit RS 6:622 Pledge of assets RS 6:623 Fiduciary responsibility RS 6:624 Reports of apparent crime RS 6:625 Out-of-state activities RS 6:626 Out-of-state trust companies RS 6:627 Interstate supervision and regulation RS 6:641 CREDIT UNIONS RS 6:641.1 Public policy RS 6:641.2 REPEALED BY ACTS 1989, No. 495, 6. RS 6:642 Amendments of act of incorporation; commissioner's approval RS 6:643 Restriction of the use of term credit union RS 6:644 Powers RS 6:645 Membership RS 6:646 Supervision by commissioner; suspension or revocation of charter; liquidation; reports; examination fees RS 6:646.1 Involuntary dissolution; distribution of assets RS 6:647 Fiscal year; meetings; regulations as to voting RS 6:648 Elections; oath of office RS 6:649 Directors; officers; compensation RS 6:649.1 Relation and liability of directors and officers to a credit union and its members RS 6:649.2 Actions against directors and officers of credit unions RS 6:650 Credit committee RS 6:650.1 REPEALED BY ACTS 1989, No. 495, 6. RS 6:650.2 Educational committee RS 6:651 Supervisory committee; examination and report RS 6:652 Capital RS 6:652.1 Types of capital RS 6:652.2 Share and share certificate accounts as legal investments RS 6:652.3 Members' share capital RS 6:653 Shares of minors and in trust RS 6:653.1 Trust deposits; death of depositor, payment RS 6:653.2 Pledge of share accounts; rights and remedies RS 6:653.3 Ownership of shares RS 6:653.4 Death of member or account owner; access and transfer of accounts, shares, and property to succession representative, heirs, legatees, and legal representative RS 6:654 Rates of interest RS 6:655 Power to borrow RS 6:656 Loans RS 6:657 Repealed by Acts 2001, No. 887, 2, eff. June 26, 2001. RS 6:658 Dividends RS 6:659 Expulsion and withdrawal of members RS 6:659.1 Inactive accounts RS 6:659.2 Federally insured credit unions; abandonment of safety deposit box RS 6:660 Voluntary dissolution RS 6:661 Change of place of business RS 6:661.1 Branch offices RS 6:662 Taxation RS 6:662.1 Fiscal agents and depositories RS 6:663 Money deposited by minors RS 6:664 Money deposited in a multiple party account RS 6:665 Bylaws RS 6:666 Constitutionality RS 6:667 Conversion from federal to state and from state to federal credit union; division of assets RS 6:667.1 Powers, privileges, and exemptions of federal credit unions RS 6:667.2 Annual report RS 6:667.3 Records as evidence RS 6:668 Criminal Penalties RS 6:669 Short title RS 6:701 HOMESTEAD AND SAVINGS AND LOAN RS 6:702 Short title RS 6:703 Definitions RS 6:704 Organization RS 6:705 Incorporation; articles of incorporation; content; bylaws RS 6:706 Articles of incorporation; approval by the commissioner RS 6:707 Capital stock; types of stock; consideration for issuance; security for loan RS 6:708 Directors; number; qualifications; oath; vacancies RS 6:709 Members or stockholders meeting RS 6:710 Notice of meeting RS 6:711 Organization meeting RS 6:712 Corporate name RS 6:713 Forfeiture of charter for nonuse RS 6:714 Officers and agents; election, powers, duties RS 6:721 Method of amending articles generally RS 6:722 To 730 Repealed by Acts 1970, No. 234, 2. RS 6:731 General powers of associations RS 6:741 Authorized capital RS 6:742 Miscellaneous provisions relative to capital and accounts RS 6:743 Issuance of capital RS 6:744 Shares, savings, and demand accounts; generally RS 6:745 Cancellation of shares, savings accounts RS 6:746 Issuance of shares or savings accounts for consideration other than cash RS 6:747 Contract for savings programs RS 6:748 Shares or demand deposits and savings accounts as legal investments and as security RS 6:748.1 Public funds deposits; additional collateral RS 6:749 Prescription on savings accounts RS 6:750 Pledge of deposit accounts; rights and remedies RS 6:761 Members of mutual associations RS 6:762 Access to books and records RS 6:763 Minors RS 6:764 Authority relative to shares and savings accounts RS 6:765 Shares or savings accounts payable to two or more persons; survivorship RS 6:766 Accounts of administrators, executors, tutors, custodians, trustees and other fiduciaries RS 6:766.1 Payable on death accounts RS 6:767 Death of member or depositor and access and transfer of money and property by association to succession or estate representatives, legatees, or heirs; authority RS 6:767.1 Repealed by Acts 1970, No. 234, 2. RS 6:768 Transfer of contents of safety deposit boxes by an association to succession or estate representatives, legatees, heirs, minors, or interdicts; authority RS 6:769 Access to safety deposit boxes held jointly or standing in the name of a corporation, unincorporated association, trust estate, agents, or others RS 6:770 Abandonment of safety deposit box RS 6:771 Disposition of abandoned safety deposit box contents RS 6:781 Indemnity bonds RS 6:782 Depositories RS 6:783 Indemnification of officers, directors, and employees RS 6:784 Illegal loans RS 6:785 Directors, employees and members not disqualified to make acknowledgments RS 6:786 Relation and liability of directors and officers RS 6:787 Actions against directors and officers RS 6:788 To 790 Repealed by Acts 1970, No. 234, 2. RS 6:791 Records RS 6:792 Misdescriptions of assets; false entries RS 6:793 Directors' examination of association RS 6:794 Examination RS 6:795 Repealed by Acts 1970, No. 234, 2. RS 6:801 Savings liability; demand deposit liability RS 6:802 Contingent loss account RS 6:803 Earnings; payment RS 6:804 Casual deposits RS 6:805 Withdrawal of savings accounts and shares RS 6:806 Board to determine amounts to be withdrawn RS 6:807 Amounts payable RS 6:808 Insufficient funds; notices RS 6:809 Board may prescribe rules RS 6:810 Rights of withdrawing members RS 6:811 New loans and payment of debts during existence of withdrawal list RS 6:812 Commissioner's action may stop withdrawal procedure RS 6:813 Prohibition against institution of action RS 6:814 Redemption RS 6:822 Loans and investments RS 6:823 Appraisal RS 6:824 Payments RS 6:824.1 Late charges prohibited on certain payments RS 6:825 REPEALED BY ACTS 1993, NO. 280, 1, EFF. OCT. 1, 1993. RS 6:826 Provision for taxes, insurance RS 6:827 REPEALED BY ACTS 1993, NO. 280, 1, EFF. OCT. 1, 1993. RS 6:828 Loan expenses RS 6:829 Repealed by Acts 2003, No. 69, §1, eff. May 28, 2003. RS 6:830 Security for loan on movable and immovable properties; purchase and sale of property RS 6:831 Shares or savings accounts as additional security RS 6:832 Immovables RS 6:833 Conveyance of property securing loan RS 6:833.1 Repealed by Acts 1970, No. 234, 2. RS 6:834 Solicitation or acceptance of gifts for making, or assisting in, procuring a loan RS 6:851 Home office RS 6:852 Branch office RS 6:853 Closure of branch office RS 6:861 Power to merge or consolidate; consent of commissioner; rules and regulations RS 6:862 Merger; when effective RS 6:863 Consolidation; when effective RS 6:864 Effect of merger or consolidation RS 6:865 Voluntary transfer of assets RS 6:866 Commissioner may provide for members or stockholders to vote on plan RS 6:867 Dissolution or liquidation RS 6:868 Voluntary proceedings for dissolution RS 6:869 Association continues as corporate entity for sole purpose of winding up affairs RS 6:870 Powers of liquidating trustees RS 6:871 Association subject to commissioner during liquidation RS 6:872 Involuntary dissolution; generally RS 6:873 Involuntary dissolution; commissioner shall take possession RS 6:874 Involuntary dissolution; notice to creditors RS 6:875 Involuntary dissolution; powers of commissioner; court approval RS 6:876 Involuntary dissolution; inventory RS 6:877 Involuntary dissolution; fees RS 6:878 Involuntary dissolution; distribution of assets RS 6:879 Involuntary dissolutions; creditors may not dispose of pledged securities RS 6:880 Liquidation by federal corporation RS 6:881 Commissioner may examine association RS 6:882 Commissioner may order association to discontinue any illegal practice RS 6:883 Conservator RS 6:884 To 890 Repealed by Acts 1970, No. 234, 2. RS 6:891 Foreign association defined RS 6:892 Conduct of business in accordance with this Part; certificate of authority and public necessity RS 6:893 Certificate of authority; exceptions RS 6:894 Certificate of authority; examination of qualifications RS 6:895 Penalty for doing business without certificate of authority RS 6:896 Issuance of certificate of authority; renewal annually RS 6:897 Deposits as security; foreign association ceasing to do business in Louisiana RS 6:898 Supervision and examination RS 6:901 Powers, privileges, and exemptions of federal associations RS 6:902 Companion authority RS 6:903 Additional companion authority RS 6:904 Conversion into state-chartered association RS 6:905 Limitation RS 6:906 Conversions; locations RS 6:907 Formation of savings and loan holding companies RS 6:908 Oppressed shareholder's remedies RS 6:911 REPEALED BY ACTS 1993, NO. 278, 1, EFF. JAN. 1, 1994. RS 6:912 Additional foreign association fees RS 6:921 Thrift and home financing organizations; exceptions RS 6:922 Powers of attorney RS 6:923 Exemption from security laws RS 6:924 Holder of note may enforce RS 6:925 Unlawful to destroy property RS 6:926 Foreclosure of mortgage RS 6:927 Communication from commissioner having effect of approval or order to be in writing and signed RS 6:928 Right of commissioner to utilize courts RS 6:929 Rights of association to contest decisions of commissioner RS 6:930 Defamation of institutions prohibited; fine RS 6:931 False statements and similar actions prohibited; fine RS 6:932 Act of controlling RS 6:933 Application to existing associations RS 6:937 Dividends; requirements RS 6:938 Power of state or federal mutual association to convert to capital stock association; procedures; approval of department required; minutes of meeting; succession RS 6:939 Plan of conversion from mutual to capital stock association; mandatory and permissive requirements RS 6:940 Acquisition of control over an existing association RS 6:941 Restrictions on acquisition of control of capital stock associations RS 6:942 Listing and assessment of capital stock; procedure; exemption RS 6:943 Listing and assessing of stock; place RS 6:944 Listing and assessing of stock; branch capital stock associations RS 6:945 Listing and assessing of real estate of capital stock associations RS 6:946 Listing and assessing of stock and real estate; payment of tax; recovery from stockholders RS 6:947 Listing and assessing of stock; report by official RS 6:948 Power of commissioner to issue rules, regulations, and orders to implement this Chapter RS 6:949 Savings and demand accounts of capital stock savings and loan associations and capital stock savings banks as legal investments RS 6:950.1 Declaration of policy RS 6:950.2 Definitions RS 6:950.3 Scope of Part; effective dates RS 6:950.4 Applicability of commissioner's rules and regulations; operation of Louisiana association subsidiaries by foreign corporations; reciprocal agreements; penalties RS 6:950.5 Interstate acquisitions; filings with commissioner RS 6:950.6 Prohibited acquisitions and activities RS 6:950.7 Minority stockholders' rights RS 6:950.8 Savings clause RS 6:951 THE MOTOR VEHICLE SALES FINANCE ACT RS 6:952 Repealed by Acts 1999, No. 794, 2, eff. July 2, 1999. RS 6:953 Repealed by Acts 1999, No. 794, 2, eff. July 2, 1999. RS 6:954 Repealed by Acts 1999, No. 794, 2, eff. July 2, 1999. RS 6:955 Repealed by Acts 1999, No. 794, 2, eff. July 2, 1999. RS 6:956 Repealed by Acts 1999, No. 794, 2, eff. July 2, 1999. RS 6:956.1 Repealed by Acts 1999, No. 794, 2, eff. July 2, 1999. RS 6:956.2 Repealed by Acts 1999, No. 794, 2, eff. July 2, 1999. RS 6:957 Repealed by Acts 1999, No. 794, 2, eff. July 2, 1999. RS 6:958 Repealed by Acts 1999, No. 794, 2, eff. July 2, 1999. RS 6:959 Repealed by Acts 1999, No. 794, 2, eff. July 2, 1999. RS 6:960 Repealed by Acts 1999, No. 794, 2, eff. July 2, 1999. RS 6:961 Repealed by Acts 1999, No. 794, 2, eff. July 2, 1999. RS 6:962 Repealed by Acts 1999, No. 794, 2, eff. July 2, 1999. RS 6:963 Repealed by Acts 1999, No. 794, 2, eff. July 2, 1999. RS 6:964 Repealed by Acts 1999, No. 794, 2, eff. July 2, 1999. RS 6:965 Scope and definitions RS 6:966 Procedure RS 6:966.1 Notice of repossession; contents; fees RS 6:967 Appeal from order RS 6:968 Repealed by Acts 1974, No. 466, 3. RS 6:969.1 Short title RS 6:969.2 Scope RS 6:969.3 Exclusions RS 6:969.4 Waiver, agreement to forego rights RS 6:969.5 Repealed by Acts 2001, No. 1066, 1. RS 6:969.6 Definitions RS 6:969.7 Terms; construction; additional fees and charges RS 6:969.8 Construction against implicit repeal RS 6:969.9 Consumer loans RS 6:969.10 Consumer credit sale RS 6:969.11 Maximum charges after negotiations RS 6:969.12 Maximum charges after maturity RS 6:969.13 Leap years RS 6:969.14 Variable rates RS 6:969.15 Maximum delinquency charges RS 6:969.16 Maximum deferral charges RS 6:969.17 Charges for checks returned for insufficient funds RS 6:969.18 Documentation and compliance fees; notary fees; transfer of equity and other fees; disclosure RS 6:969.19 Right to prepay RS 6:969.20 Rebates upon prepayment; prepayment charges; return of lien documents upon payment in full of the balance due RS 6:969.21 Rebate after acceleration of maturity RS 6:969.22 Attorney fees RS 6:969.23 Collection and enforcement costs and expenses RS 6:969.24 Use of multiple agreements RS 6:969.24.1 Acts to lessen or eliminate competition prohibited RS 6:969.24.2 Mandatory sales prohibited RS 6:969.25 Consumer credit insurance RS 6:969.26 Property insurance RS 6:969.27 Existing insurance RS 6:969.28 Limitations on insurance rates; contract requirements RS 6:969.29 Choice of insurer RS 6:969.30 Conditions applying to insurance provided by the extender of credit RS 6:969.31 Cancellation of insurance; refund or credit upon cancellation RS 6:969.32 Gain from insurance RS 6:969.33 Effect of violations on rights of parties RS 6:969.34 Guidance by commission; advisory opinions RS 6:969.35 Authority to make consumer loans; assignees; authority to issue debt waiver or debt forgiveness agreements RS 6:969.36 License not required RS 6:969.37 Licensing procedures RS 6:969.38 Denial, suspension, or revocation of licenses RS 6:969.39 Investigations and complaints RS 6:969.40 Powers of commission RS 6:969.41 Fines imposed by the commission RS 6:969.42 Venue for litigation or arbitration; choice of law RS 6:969.51 GAP coverage; requirements RS 6:969.52 Liability; contractual or insurance policies RS 6:969.53 Cancellation RS 6:969.54 Disclosures RS 6:970 EXTRAORDINARY ACQUISITIONS OF RS 6:971 Approval of transaction; priorities RS 6:972 Retention of branches RS 6:973 Prohibited insurance activities RS 6:974 Acquisition of state bank in impaired condition RS 6:975 Repealed by Acts 1972, No. 454, 3, eff. Jan. 1, 1973. RS 6:1001 CURRENCY EXCHANGE SERVICES RS 6:1002 Definitions RS 6:1003 License; certificates RS 6:1004 Application for license and change of control RS 6:1004.1 License fees; online renewal RS 6:1004.2 Enforcement powers of the commissioner RS 6:1005 Qualifications RS 6:1006 Approval or denial of application RS 6:1007 Change of name or location RS 6:1008 Suspension or revocation of license; hearing; surrender of license; administrative fines RS 6:1009 Regulation of fees; unreasonable fees; display of fees RS 6:1010 Repealed by Acts 2004, No. 370, §1. RS 6:1011 Powers; limitations; prohibitions RS 6:1012 Violations; criminal penalties; civil liability RS 6:1013 Books of account; examinations RS 6:1013.1 Cashing federal and state treasury checks; records retention RS 6:1014 Rules and regulations RS 6:1015 False advertising RS 6:1016 Applicability RS 6:1031 SALE OF CHECKS AND MONEY TRANSMISSION RS 6:1032 Definitions RS 6:1033 License required RS 6:1034 Exemption from licensing RS 6:1035 Qualifications RS 6:1036 Applications RS 6:1037 Accompanying fee; statement and bonds RS 6:1038 Investigation; granting of license RS 6:1038.1 Temporary license; expiration; extension RS 6:1039 Maintenance of bond RS 6:1040 Annual renewal fee; delinquency charge RS 6:1041 Agents and subagents RS 6:1042 Liability of licensees RS 6:1043 Disclosure of responsibility RS 6:1044 Visitation and examination; revocation of license RS 6:1045 Hearings RS 6:1046 Penalties RS 6:1047 Reports RS 6:1048 Trust imposed on sales or transmission proceeds RS 6:1049 List of financial institutions RS 6:1050 Retention of surety bond RS 6:1051 Notification of financial institutions; violations; penalties RS 6:1052 Account; verification of license; cancellation; overdrafts RS 6:1053 Significant developments; licensee's duty to report to commissioner RS 6:1054 Change of control; notice; application; advisory opinion RS 6:1055 Money transmitters; delivery of funds requirements; exceptions RS 6:1081 Short title RS 6:1082 Purpose RS 6:1083 Definitions RS 6:1084 Prohibition RS 6:1085 Rules and regulations RS 6:1085.1 Authority of the commissioner to impose continuing education RS 6:1086 Licensure requirement RS 6:1087 Exemptions; annual registration statement; fees RS 6:1088 Application for licensure; surety bond RS 6:1088.1 Licensing system; authorization; fees; required use RS 6:1088.2 Application for licensure; application and renewal fees RS 6:1088.3 Application for renewal of license; restriction; late renewal fees RS 6:1088.4 Information reporting RS 6:1089 Name or location changes and closures; fees RS 6:1090 Restrictions RS 6:1091 Recordkeeping and retention; examinations; investigation of complaints; reports of conditions RS 6:1092 Suspension and revocation of licensure; commissioner's interpretations; prohibitions RS 6:1092.1 Costs of appeal RS 6:1092.2 Validity of judgment; execution RS 6:1093 Repealed by Acts 2010, No. 743, §22B, eff. July 1, 2010. RS 6:1094 Professional education required for licensure; continuing education RS 6:1094.1 Testing of loan originators RS 6:1095 Scope RS 6:1096 Residential mortgage loans RS 6:1097 Residential mortgage loan fees and charges; applicability of the Louisiana Consumer Credit Law RS 6:1098 Residential mortgage loan brokerage contracts RS 6:1099 Criminal penalties RS 6:1101 Reverse mortgages; requirements RS 6:1102 Counseling RS 6:1103 Commitment and cooling off period RS 6:1104 Reverse mortgage lender; duties to elders RS 6:1111 APPROVAL OF RULES AND REGULATIONS RS 6:1121 CREDIT AGREEMENTS -- WRITING RS 6:1122 Credit agreements to be in writing RS 6:1122.1 Defenses to written credit agreements RS 6:1123 Actions not considered agreements RS 6:1124 No implied fiduciary obligations RS 6:1125 To 1127 Repealed by Acts 1981, No. 873, 4, eff. Oct. 1, 1981. RS 6:1131 LOUISIANA SAVINGS BANKS RS 6:1132 Policy and purposes RS 6:1133 Administration RS 6:1134 Applicability RS 6:1135 Federal deposit insurance RS 6:1136 Powers; parity with other financial institutions RS 6:1137 Definitions RS 6:1138 General corporate powers RS 6:1139 Specific powers RS 6:1140 Status as an IRS qualified savings banks institution RS 6:1141 Regulatory powers; promulgation of rules and regulations RS 6:1142 Safety deposit boxes and safekeeping RS 6:1151 Definitions RS 6:1152 Implementation RS 6:1153 Oppressed shareholder's remedies RS 6:1161 Application for permit to organize RS 6:1162 Content of application for permit to organize RS 6:1163 Contents of articles of incorporation RS 6:1164 Contents of bylaws RS 6:1165 Permit to organize RS 6:1166 Temporary organization and capital subscriptions RS 6:1167 Certificate of organization; issuance; refusal RS 6:1168 REPEALED BY ACTS 1993, NO. 278, 1, EFF. JAN. 1, 1994. RS 6:1181 Members RS 6:1182 Annual and special meetings RS 6:1183 Notice of meetings RS 6:1184 Quorum of annual or special meetings RS 6:1185 Voting RS 6:1186 Record date for voting, dividend, and other purposes RS 6:1187 Proxies RS 6:1188 Directors RS 6:1189 Bonds of officers and directors RS 6:1190 Conduct of directors and officers RS 6:1191 Relation and liability of directors and officers RS 6:1201 Minimum capital for incorporation or conversion RS 6:1202 Types of capital; personal property RS 6:1203 Capital stock; nature RS 6:1204 Capital stock; authorization of issuance RS 6:1205 Who may hold capital RS 6:1206 Capital maintenance RS 6:1207 Dividends; capital surplus required RS 6:1208 Loans or discounts on capital stock RS 6:1208.1 Applicability of statute, rules and regulations RS 6:1221 Underwriting RS 6:1222 Investment in loans RS 6:1223 Other investments RS 6:1224 Calculation of interest; postpayments and prepayments RS 6:1225 General loan contract provisions RS 6:1226 Modification agreements RS 6:1227 Sale, assignment, and servicing of loans and contracts RS 6:1228 Purchase of real estate at judicial sale RS 6:1229 Immovable property; dealings RS 6:1229.1 Applicability of rules and regulations RS 6:1230 Purchases of real estate for office and rental purposes RS 6:1231 Usury law inapplicable RS 6:1232 Prohibited loans RS 6:1233 Effect of unauthorized investments RS 6:1234 Acknowledgments RS 6:1235 Loans to one borrower RS 6:1236 Commissioner's regulations RS 6:1237 Change in control RS 6:1251 Withdrawable accounts; general definitions RS 6:1252 Prohibited activities RS 6:1253 Withdrawable accounts RS 6:1254 Issuance, delivery, and transfer of certificates and account books RS 6:1255 Joint account; trust account; payment on death account RS 6:1256 Effect of payment to minor or fiduciary RS 6:1257 Payment on legal disability or death of holder in holder's own right of a withdrawable account RS 6:1258 Voluntary withdrawal of accounts RS 6:1259 Enforced retirement of withdrawable accounts RS 6:1260 Authorized charges RS 6:1261 Withdrawable accounts subject to liens RS 6:1262 Demand deposits; checking account RS 6:1263 Payment of interest RS 6:1264 Holders of withdrawable accounts RS 6:1271 Amendment of articles RS 6:1272 Repealed by Acts 2003, No. 577, §2, eff. June 27, 2003. RS 6:1273 Repealed by Acts 2003, No. 577, §2, eff. June 27, 2003; Acts 2003, No. 17, §1, eff. May 23, 2003; Acts 2003, No. 60, §1, eff. May 23, 2003. RS 6:1274 Repealed by Acts 2003, No. 577, §2, eff. June 27, 2003. RS 6:1275 Effect upon existing articles and bylaws RS 6:1276 Merger; adoption of plan RS 6:1277 Merger; vote of approval RS 6:1278 Merger; commissioner's certificate RS 6:1279 Effect of merger RS 6:1280 Merger; commissioner's expenses RS 6:1281 Sale of assets RS 6:1282 Procedure to effect sale of all assets RS 6:1283 Authority to form a bridge charter RS 6:1284 Conversion of an existing financial institution to a savings bank RS 6:1285 Emergency merger RS 6:1286 Emergency sale of assets RS 6:1301 Powers of commissioner RS 6:1302 Examination RS 6:1303 Examiners RS 6:1304 Report of examination RS 6:1305 Failure to comply with commissioner's report of examination; publication of reports RS 6:1306 Orders of the commissioner RS 6:1307 Recordkeeping and retention of records by a savings bank RS 6:1308 Disclosure of examination reports and other reports RS 6:1309 Examination of data processing centers RS 6:1310 Annual directors' examinations RS 6:1311 Unsafe and unsound; orders of prohibition and removal RS 6:1312 Cease and desist proceedings RS 6:1313 Procedure upon the impairment of capital RS 6:1314 Administrative review RS 6:1321 Conservatorships of savings banks RS 6:1322 Involuntary liquidation procedures RS 6:1331 Affirmative action to correct conditions resulting from violations of law, regulations, orders, or from practices RS 6:1332 Cease and desist; books and records RS 6:1333 Removal and prohibition authority RS 6:1334 Industry-wide prohibition RS 6:1335 Institution-affiliated party RS 6:1336 Civil money penalties RS 6:1337 Effect of termination or resignation of an institution-affiliated party RS 6:1338 Unauthorized participation by convicted individual RS 6:1339 Perjury; false statements RS 6:1340 False advertising RS 6:1341 Prohibitive practices; additional RS 6:1351 PROFESSIONAL SERVICES TO FEDERALLY RS 6:1352 Professional liability RS 6:1353 Officers and directors RS 6:1354 Imposition of greater standards; liability RS 6:1361 AUTOMATED TELLER MACHINES/NIGHT RS 6:1362 Intent; scope; effect RS 6:1363 Definitions RS 6:1364 Compliance required RS 6:1365 Lighting standards RS 6:1366 Landscape and vegetation standards RS 6:1367 Notice of customer safety information RS 6:1371 Legislative intent RS 6:1372 Definitions RS 6:1373 Notices RS 6:1374 Delaying financial transactions RS 6:1375 Applicability of other laws RS 6:1376 Immunity RS 6:1381 Short title RS 6:1382 Definitions RS 6:1383 Applicability RS 6:1384 Licensure; general RS 6:1385 Requirements RS 6:1385.1 Approval of advanced change of control notice RS 6:1385.2 Approval of advanced change of responsible individual notice RS 6:1386 Required documents; surety bond; tangible net worth RS 6:1386.1 Meeting tangible net worth requirements RS 6:1386.2 Protection of resident assets RS 6:1387 Issuance of license; appeal RS 6:1388 Renewal of license; procedure; denial RS 6:1388.1 Quarterly financial reports RS 6:1389 Repealed RS 6:1390 Transferability RS 6:1391 Examinations RS 6:1391.1 Books, records, and accounts RS 6:1391.2 Compliance policies and procedures RS 6:1392 Enforcement RS 6:1393 Violations RS 6:1393.1 Required disclosures RS 6:1394 Implementation; reporting requirements RS 6:1401 Definitions RS 6:1402 Provision of virtual currency custody services RS 6:1411 Definitions RS 6:1412 Duties of student loan servicers RS 6:1413 Written inquiries and complaints RS 6:1421 Definitions RS 6:1422 Private education lender registry RS 6:1423 Violations RS 6:1424 Rules

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