Chapter 399-C: Lenders of Money

The text as the General Court's table holds it. Includes changes through 2026; 2027 laws not yet included. Taken from the General Court's database on October 19, 2026. The official text on gc.nh.gov.

Cite this page

Granite Record indexes the General Court’s record; it is not that record. Where a citation allows only one source, cite the General Court — every page here links to what it is drawn from. The date below is the day the page was read.

MLA: “Chapter 399-C: Lenders of Money.” Granite Record, https://graniterecord.org/laws/399-c. Accessed 19 Oct. 2026.
APA: Granite Record. (n.d.). Chapter 399-C: Lenders of Money. Retrieved 19 Oct. 2026, from https://graniterecord.org/laws/399-c
Chicago: Granite Record. “Chapter 399-C: Lenders of Money.” Accessed 19 Oct. 2026. https://graniterecord.org/laws/399-c.
BibTeX: @misc{laws-399-c, title = {Chapter 399-C: Lenders of Money}, howpublished = {Granite Record}, url = {https://graniterecord.org/laws/399-c}, note = {Accessed 19 Oct. 2026} }

399-C:1 Additional Fee or Charge for Substitution of Insurance Policy Prohibited.

It shall be unlawful for any person, partnership, association, corporation, unincorporated organization, bank, or credit union, whether federally or state chartered, that makes a loan secured by real or personal property in connection with such a transaction, to make any separate or additional charge to, or to require any fee from, or to require the payment of any money by an insurance company, insurance agency, borrower, mortgagor, or purchaser, other than the insurance premium on insurance written as additional security for the loan, for the substitution by a borrower, a mortgagor, or a purchaser of one insurance policy on the property for an existing policy on the property, when the existing or substituted policy is provided through an insurance company or insurance agent or broker licensed to do business in this state. However, nothing in this section prevents the payment of interest which may be charged on premium loans or premium advancements in accordance with the security agreement.

Source. 1969, 79:1. 2015, 272:23, eff. Oct. 1, 2015.

How it has changed

From the section's source note, newest first.

2015 Laws of 2015, chapter 272 · SB 188-FN
1969 Laws of 1969, chapter 79

399-C:1-a Inducement Check Disclosure.

No person subject to the provisions of this chapter shall induce any potential borrower who is not a loan customer of the person to enter into a closed-end loan agreement, by delivering in the first instance a negotiable check for such loan to such potential borrower, without including the following information clearly printed on the endorsement side of the check:

I. A statement which reads, "By endorsing this check, you become legally liable for repaying all moneys, including interest, as specified in the following loan agreement/disclosure statement";

II. The amount financed;

III. The annual percentage rate;

IV. The number of installments; and

V. The amount of each installment payment.

Source. 2015, 272:24, eff. Oct. 1, 2015.

How it has changed

From the section's source note, newest first.

2015 Laws of 2015, chapter 272 · SB 188-FN

399-C:2 Penalty.

Whoever violates any provision of this chapter shall be guilty of a misdemeanor if a natural person, or guilty of a felony if any other person.

Source. 1969, 79:1. 1973, 529:96, eff. Oct. 31, 1973 at 11:59 p.m.

How it has changed

From the section's source note, newest first.

1973 Laws of 1973, chapter 529
1969 Laws of 1969, chapter 79