The Financial Institutions Laws and Rules of Utah Annotated

Sections Affected by 2020 Legislation 

Title 7. Financial Institutions 
Chapter 1. General Provisions, 7-1-101 to 7-1-1007 
Chapter 2. Possession of Depository Institution by Commissioner, 7-2-1 to 7-2-23 
Chapter 3. Banks, 7-3-1 to 7-3-40 
Chapter 4. Loan and Trust Companies [Repealed] 
Chapter 5. Trust Business, 7-5-1 to 7-5-15 
Chapter 6. Merger, Consolidation and Conversion of National and State Banks [Repealed] 
Chapter 7. Savings and Loan Associations [Repealed] 
Chapter 8. Industrial Banks, 7-8-1 to 7-8-21 
Chapter 8a. Industrial Loan Guaranty Corporation [Repealed] 
Chapter 9. Credit Unions, 7-9-1 to 7-9-59 
Chapter 10. Small Loans [Repealed] 
Chapter 11. Federal Deposit Insurance Corporation [Repealed] 
Chapter 12. Saturday Closing [Repealed] 
Chapter 13. Savings and Loan Act [Repealed] 
Chapter 14. Credit Information Exchange, 7-14-1 to 7-14-5 
Chapter 15. Dishonored Instruments, 7-15-1 to 7-15-3 
Chapter 16. Consumer Funds Transfer Facilities Act [Repealed] 
Chapter 16a. Automated Teller Machine Act, 7-16a-101 to 7-16a-204 
Chapter 17. Interest on Mortgage Loan Reserve Accounts, 7-17-1 to 7-17-10 
Chapter 18. Foreign Financial Institutions [Repealed] 
Chapter 18a. Utah Foreign Depository Institutions Act, 7-18a-101 to 7-18a-502 
Chapter 19. Acquisition of Failing Depository Institutions or Holding Companies, 7-19-1 to 7-19-11 
Chapter 20. Thrift Institutions in Possession of Commissioner [Repealed] 
Chapter 21. Thrifts Settlement Financing [Repealed] 
Chapter 22. Regulation of Independent Escrow Agents, 7-22-101 to 7-22-109 
Chapter 23. Check Cashing and Deferred Deposit Lending Registration Act, 7-23-101 to 7-23-504 
Chapter 24. Title Lending Registration Act, 7-24-101 to 7-24-305 
Chapter 25. Money Transmitter Act, 7-25-101 to 7-25-407 
Chapter 26. Financial Exploitation Prevention Act, 7-26-101 to 7-26-401 

Title 59. Revenue and Taxation 
Chapter 1. General Taxation Policies, 59-1-1701 to 59-1-1717 

Title 70C. Utah Consumer Credit Code 
Chapter 1. General Provisions and Definitions, 70C-1-101 to 70C-1-302 
Chapter 2. Finance Charges and Related Provisions, 70C-2-101 to 70C-2-207 
Chapter 3. Closed-end Consumer Credit Debt, 70C-3-101 to 70C-3-104 
Chapter 4. Open-end Consumer Credit Contract, 70C-4-101 to 70C-4-105 
Chapter 5. Home Solicitation Sales, 70C-5-101 to 70C-5-105 
Chapter 6. Insurance, 70C-6-101 to 70C-6-304 
Chapter 7. Remedies and Penalties, 70C-7-101 to 70C-7-206 
Chapter 8. Administration, 70C-8-101 to 70C-8-203 
Chapter 9. Council of Advisors on Consumer Credit [Repealed] 

Title 70D. Financial Institution Mortgage Financing Regulation Act 
Chapter 1. General Provisions, 70D-1-1 to 70D-1-102 
Chapter 2. Mortgage Lending and Servicing Act, 70D-2-101 to 70D-2-506 
Chapter 3. Financial Institution Loan Originator Licensing Act, 70D-3-101 to 70D-3-502 

Title 76. Utah Criminal Code 
Chapter 6. Offenses Against Property, 76-6-1201 to 76-6-1204 

Utah Administrative Code. 
Financial Institutions. 
R331. Administration. 
R331-1 and R331-3. [Repealed] 
R331-5. Rule Governing Sale of Securities by Persons Issuing Securities, Who Are Under the Jurisdiction of the Department of Financial Institutions, R331-5-1 to R331-5-10 
R331-7. Rule Governing Leasing Transactions by Depository Institutions Subject to the Jurisdiction of the Department of Financial Institutions, R331-7-1 to R331-7-9 
R331-9. Rule Prescribing Rules of Procedure for Hearings Before the Commissioner of Financial Institutions of the State of Utah, R331-9-1 to R331-9-10 
R331-10. Schedule for Retention or Destruction of Records of Financial Institutions Under the Jurisdiction of the Department of Financial Institutions, R331-10-1 to R331-10-6 
R331-12. Guidelines Governing the Purchase and Sale of Loans and Participations in Loans by all State Chartered Financial Institutions, R331-12-1 to R331-12-3 
R331-14. [Repealed] 
R331-17. Publication and Disclosure of Acquisition of Control, Merger, or Consolidation Applications to the Department of Financial Institutions, R331-17-1 to R331-17-4 
R331-20. Designation of Adjudicative Proceedings as Informal, R331-20-1, R331-20-2 
R331-21. Rule Governing Establishment of and Participation in Collective Investment Funds by Trust Companies, R331-21-1 to R331-21-3 
R331-22. Rule Governing Reimbursement of Costs of Financial Institutions for Production of Records, R331-22-1 to R331-22-4 
R331-23. Lending Limits for Banks, Industrial Loan Corporations, R331-23-1 to R331-23-7 
R331-24. Accounting for Accrued Uncollected Income by Banks and Industrial Loan Corporations, R331-24-1 to R331-24-4 
R331-25. Rule Governing Debt Cancellation and Debt Suspension Agreements Issued by Depository Institutions, Who Are Under the Jurisdiction of the Department of Financial Institutions, R331-25-1 to R331-25-7 
R331-26. Ownership of Real Estate Other Than Property Used for Institution Business or Held as an Investment by Depository Institutions Subject to the Jurisdiction of the Department of Financial Institutions, R331-26-1 to R331-26-5 
R333. Banks. 
R333-5. Discount Securities Brokerage Service by Banks, R333-5-1 to R333-5-3 
R333-7. Investment by a State-Chartered Bank in Shares of Open-End Investment Companies, R333-7-1 to R333-7-3 
R333-8. Authority for Banks to Issue Subordinated Capital Notes or Debentures, R333-8-1 to R333-8-6 
R333-9. Indemnification of Directors, Officers, and Employees, R333-9-1, R333-9-2 
R333-10. Securities Activities of Subsidiaries and Affiliates of State-Chartered Banks, R333-10-1 to R333-10-7 
R333-11. [Repealed] 
R333-12. Investment by State-Chartered Banks in Real Property Other Than Bank Premises, R333-12-1 to R333-12-3 
R333-13. Rule Designating Applicable Federal Law for Banks Subject to the Jurisdiction of the Department of Financial Institutions, R333-13-1 to R333-13-3 
R335. Consumer Credit. 
R335-1. Rule Prohibiting Negative Amortizing Wrap Loans, R335-1-1 to R335-1-3 
R335-2. Rule Prescribing Allowable Terms and Disclosure Requirements for Variable and Adjustable Interest Rates in Consumer Credit Contracts, R335-2-1 to R335-2-6 
R335-3. [Expired] 
R335-4. Notice Concerning Refund of Unearned Credit Insurance Premiums Upon Prepayment of a Consumer Debt, R335-4-1, R335-4-2 
R337. Credit Unions. 
R337-2. Conversion from a Federal to a State-Chartered Credit Union, R337-2-1 to R337-2-4 
R337-4. Establishment of ‘‘Credit Union Service Organizations’’, R337-4-1 to R337-4-10 
R337-5. Allowance for Loan and Lease Losses - Credit Unions, R337-5-1 to R337-5-3 
R337-7. Discount Securities Brokerage Service by State-Chartered Credit Unions, R337-7-1 to R337-7-3 
R337-8. Accounts for Parties Other Than Individual Members in State-Chartered Credit Unions, R337-8-1, R337-8-2 
R337-9. Schedule for Retention or Destruction of Records of Credit Unions Under the Jurisdiction of the Department of Financial Institutions, R337-9-1 to R337-9-5 
R337-10. Rule Designating Applicable Federal Law for Credit Unions Subject to the Jurisdiction of the Department of Financial Institutions, R337-10-1 to R337-10-3 
R339. Industrial Loan Corporations. 
R339-4. Authority for Industrial Loan Corporations to Issue Subordinated Capital Notes or Debentures, R339-4-1 to R339-4-6 
R339-6. Rule Clarifying Industrial Loan Corporation Investments, R339-6-1 to R339-6-3 
R339-11. Discount Securities Brokerage Service by Industrial Loan Corporations, R339-11-1 to R339-11-3 
R339-12. Rule Designating Applicable Federal Law for Industrial Loan Corporations Subject to the Jurisdiction of the Department of Financial Institutions, R339-12-1 to R339-12-3 
R343. Nondepository Lenders. 
R343-1. Rule Governing Form of Disclosures For Title Lenders, Who Are Under the Jurisdiction of the Department of Financial Institutions, R343-1-1 to R343-1-3 
R343-2. Mortgage Lenders, Brokers and Servicers Fees, R343-2-1 to R343-2-4 
R343-3. Mortgage Lenders, Brokers and Servicers Definitions, R343-3-1, R343-3-2 
R343-4. Application Forms and Procedures for Mortgage Lenders, R343-4-1, R343-4-2 
R343-5. Mortgage Loan Originator Surety Bond Requirements, R343-5-1 to R343-5-3 
R343-6. Mortgage Loan Originator Challenge of Nationwide Database Information, R343-6-1, R343-6-2 
R343-7. Mortgage Loan Originator Education and Written Test Requirements, R343-7-1, R343-7-2 
R343-8. Mortgage Loan Originator Record Requirements and Reports of Condition, R343-8-1 to R343-8-3 
R343-9. Deferred Deposit Lenders Registration with the Nationwide Database [Repealed] 
R343-10. Title Lenders Registration with the Nationwide Database, R343-10-1 to R343-10-5 
R343-11. Rule Designating Applicable Federal Law for a Mortgage Lender, Broker, or Servicer Subject to the Jurisdiction of the Department of Financial Institutions, R343-11-1 to R343-11-3 

Index