NRS Chapter 604A — DEFERRED DEPOSIT LOANS, HIGH-INTEREST LOANS, TITLE LOANS AND CHECK-CASHING SERVICES

176 sections, reproduced from the official Nevada Legislature site (retrieved August 9, 2026). Official chapter page →

NRS 604A.010 — Definitions.
NRS 604A.015 — “Automated loan machine” defined.
NRS 604A.020 — Cashing” defined.
NRS 604A.025 — “Check” defined.
NRS 604A.030 — “Check-cashing service” defined.
NRS 604A.035 — Commissioner” defined.
NRS 604A.036 — “Consumer credit” defined.
NRS 604A.038 — “Covered service member” defined.
NRS 604A.040 — Customer” defined.
NRS 604A.045 — “Default” defined.
NRS 604A.050 — “Deferred deposit loan” defined.
NRS 604A.055 — “Deferred deposit loan service” defined.
NRS 604A.057 — “Dependent” defined.
NRS 604A.060 — “Electronic transfer of money” defined.
NRS 604A.065 — “Extension” defined.
NRS 604A.070 — “Grace period” defined.
NRS 604A.0703 — “High-interest loan” defined.
NRS 604A.0705 — “High-interest loan service” defined.
NRS 604A.075 — “Licensee” defined.
NRS 604A.080 — “Loan” defined.
NRS 604A.083 — “Nationwide Multistate Licensing System and Registry” or “Registry” defined.
NRS 604A.085 — “Refund anticipation loan” defined.
NRS 604A.090 — “Regulation Z” defined.
NRS 604A.105 — “Title loan” defined.
NRS 604A.110 — “Title loan service” defined.
NRS 604A.115 — “Title to a vehicle” or “title” defined.
NRS 604A.120 — “Truth in Lending Act” defined.
NRS 604A.125 — “Vehicle” defined.
NRS 604A.150 — Additional terms defined under federal law; calculation of amount financed, annual percentage rate and finance charge.
NRS 604A.200 — Application of chapter to persons who seek to evade its provisions.
NRS 604A.210 — Chapter does not prohibit licensee from offering customer grace period; restrictions.
NRS 604A.220 — Uniformity of application and construction; resolution of conflicts.
NRS 604A.230 — Effect of amendment or repeal of chapter on preexisting lawful contracts.
NRS 604A.240 — Collection of loans made outside State.
NRS 604A.250 — Exemptions from chapter. [Effective through December 31, 2029.]
NRS 604A.260 — Applicability of provisions of chapter governing enforcement or collection of obligations originated under chapter.
NRS 604A.300 — Regulations.
NRS 604A.303 — Commissioner required to implement and maintain database of certain information related to deferred deposit loans, title loans and high-interest loans; fee; confidentiality; regulations.
NRS 604A.305 — Authority to inform public of certain information relating to licensees offering services through Internet website.
NRS 604A.310 — Certain relationships between officers and employees of Division of Financial Institutions and licensees prohibited; duty to terminate prohibited relationships.
NRS 604A.315 — Commissioner required to investigate alleged violations of chapter.
NRS 604A.400 — Operation of check-cashing service, deferred deposit loan service, high-interest loan service or title loan service without license prohibited; operation of deferred deposit loan service or high-interest loan service through automated loan machine prohibited; criminal penalties.
NRS 604A.405 — Required notices and disclosures; regulations.
NRS 604A.409 — Duties of licensee to safeguard customer information.
NRS 604A.501 — Limitations on original term.
NRS 604A.5011 — Licensee required to make determination of ability of customer to repay loan and compliance of loan with certain requirements before making loan.
NRS 604A.5012 — Written loan agreement required; contents.
NRS 604A.5014 — Requirements for collection of defaulted loan; civil action to collect debt; venue.
NRS 604A.5015 — Practices regarding customers who are members of military.
NRS 604A.5016 — Provision of information and materials concerning public assistance and services.
NRS 604A.5017 — Limitation regarding amount of loan.
NRS 604A.5018 — Prohibited acts by licensee regarding multiple loans to same customer.
NRS 604A.502 — Prohibited acts by licensee: Accepting collateral or other types of security; failing to make certain disclosures; taking incomplete instruments; requiring the purchase of insurance or other goods or services; failing to comply with payment plan; charging fee to cash certain checks.
NRS 604A.5021 — Prohibited acts by licensee: Improper lending and collection practices; deceptive trade practices; false, misleading and deceptive advertising; reinitiating certain transactions; using agent, affiliate or subsidiary to avoid requirements or prohibitions of chapter.
NRS 604A.5023 — Rescission of loan by customer.
NRS 604A.5024 — Payment of loan in full.
NRS 604A.5025 — Partial payment on loan.
NRS 604A.5026 — Extended payment plan: Customer eligibility; requirements; restrictions; default.
NRS 604A.5027 — Repayment plan.
NRS 604A.5029 — Limitations on using proceeds of new deferred deposit loan or high-interest loan to pay balance of outstanding deferred deposit loan; exceptions.
NRS 604A.503 — Limitations on amounts licensee may collect after default.
NRS 604A.5031 — Limitations on fees licensee may collect for check not paid upon presentment or failure of electronic transfer of money; standards for civil liability and criminal prosecution.
NRS 604A.5033 — Receipt required for each payment by customer; contents.
NRS 604A.5034 — Requirements regarding person acting as agent or assisting in making loan.
NRS 604A.5035 — Determination of whether loan is high-interest loan.
NRS 604A.5037 — Limitations on original term.
NRS 604A.5038 — Licensee required to make determination of ability of customer to repay loan and compliance of loan with certain requirements before making loan.
NRS 604A.504 — Written loan agreement required; contents.
NRS 604A.5041 — Requirements for collection of defaulted loan; civil action to collect debt; venue.
NRS 604A.5042 — Provision of information and materials concerning public assistance and services.
NRS 604A.5043 — Practices regarding customers who are members of military.
NRS 604A.5045 — Limitation regarding amount of loan.
NRS 604A.5046 — Prohibited acts by licensee regarding multiple loans to same customer.
NRS 604A.5048 — Prohibited acts by licensee: Accepting collateral or other types of security; failing to make certain disclosures; taking incomplete instruments; requiring the purchase of insurance or other goods or services; failing to comply with payment plan; charging fee to cash certain checks.
NRS 604A.5049 — Prohibited acts by licensee: Improper lending and collection practices; deceptive trade practices; false, misleading and deceptive advertising; reinitiating certain transactions; using agent, affiliate or subsidiary to avoid requirements or prohibitions of chapter.
NRS 604A.505 — Rescission of loan by customer.
NRS 604A.5052 — Payment of loan in full.
NRS 604A.5053 — Partial payment on loan.
NRS 604A.5055 — Repayment plan.
NRS 604A.5057 — Limitations on using proceeds of new deferred deposit loan or high-interest loan to pay balance of outstanding high-interest loan; exceptions.
NRS 604A.5058 — Limitations on amounts licensee may collect after default.
NRS 604A.506 — Limitations on fees licensees may charge after default on installment payments.
NRS 604A.5061 — Limitations on fees licensee may collect for check not paid upon presentment or failure of electronic transfer of money; standards for civil liability and criminal prosecution.
NRS 604A.5063 — Receipt required for each payment by customer; contents.
NRS 604A.5064 — Requirements regarding person acting as agent or assisting in making loan.
NRS 604A.5065 — Licensee required to make determination of ability of customer to repay loan and compliance of loan with certain requirements before making loan.
NRS 604A.5067 — Written loan agreement required; contents.
NRS 604A.5068 — Requirements for collection of defaulted loan; civil action to collect debt; venue.
NRS 604A.507 — Practices regarding customers who are members of military.
NRS 604A.50705 — Provision of information and materials concerning public assistance and services.
NRS 604A.5071 — Prohibited acts by licensee: Accepting certain collateral or other types of security; failing to make certain disclosures; taking incomplete instruments; requiring the purchase of insurance or other goods or services; failing to comply with payment plan; charging fee to cash certain checks.
NRS 604A.5072 — Prohibited acts by licensee: Improper lending and collection practices; deceptive trade practices; false, misleading and deceptive advertising; reinitiating certain transactions; using agent, affiliate or subsidiary to avoid requirements or prohibitions of chapter.
NRS 604A.5074 — Restrictions on duration of loan and periods of extension.
NRS 604A.5076 — Prohibited acts by licensee regarding amount of loan, ownership of vehicle and customer’s ability to repay loan.
NRS 604A.5078 — Applicability of Uniform Commercial Code; repossession of vehicle; civil action.
NRS 604A.5079 — Rescission of loan by customer.
NRS 604A.508 — Payment of loan in full.
NRS 604A.5081 — Partial payment on loan.
NRS 604A.5083 — Repayment plan.
NRS 604A.5085 — Limitations on amounts licensee may collect after default.
NRS 604A.5086 — Limitations on fees licensee may collect for check not paid upon presentment or failure of electronic transfer of money; standards for civil liability and criminal prosecution.
NRS 604A.5088 — Receipt required for each payment by customer; contents.
NRS 604A.5089 — Requirements regarding person acting as agent or assisting in making loan.
NRS 604A.509 — Practices regarding customers who are members of military.
NRS 604A.5092 — Prohibited acts by licensee: Improper practices; deceptive trade practices; using agent, affiliate or subsidiary to avoid requirements or prohibitions of chapter.
NRS 604A.5094 — Limitations on fees licensee may collect for check not paid upon presentment or failure of electronic transfer of money; standards for civil liability and criminal prosecution.
NRS 604A.510 — Short title.
NRS 604A.515 — Applicability.
NRS 604A.570 — Required disclosures.
NRS 604A.571 — Prohibited fees.
NRS 604A.572 — Prohibited advertisements.
NRS 604A.573 — Required notices.
NRS 604A.574 — Limitations on extended term of loans.
NRS 604A.575 — Rescission of loan by customer.
NRS 604A.576 — Collection of past due accounts; prohibited acts.
NRS 604A.577 — Reporting violations of chapter.
NRS 604A.578 — Certain licensees required to offer repayment plan.
NRS 604A.579 — Licensee offering services through Internet website required to comply with applicable laws.
NRS 604A.580 — Required disclosures.
NRS 604A.581 — Prohibited fees.
NRS 604A.582 — Prohibited advertisements.
NRS 604A.583 — Required notices.
NRS 604A.584 — Limitations on extended term of loans.
NRS 604A.585 — Rescission of loan by customer.
NRS 604A.586 — Collection of past due accounts; prohibited acts.
NRS 604A.587 — Reporting violations of chapter.
NRS 604A.588 — Certain licensees required to offer repayment plan.
NRS 604A.589 — Licensee offering services through Internet website required to comply with applicable laws.
NRS 604A.590 — Required disclosures.
NRS 604A.591 — Prohibited fees.
NRS 604A.592 — Prohibited advertisements.
NRS 604A.593 — Required notices.
NRS 604A.594 — Rescission of loan by customer.
NRS 604A.595 — Collection of past due accounts; prohibited acts.
NRS 604A.596 — Reporting violations of chapter.
NRS 604A.597 — Certain licensees required to offer repayment plan.
NRS 604A.598 — Licensee offering services through Internet website required to comply with applicable laws.
NRS 604A.5983 — Prohibited annual percentage rates.
NRS 604A.5985 — Required disclosures.
NRS 604A.5987 — Prohibited terms of consumer credit to covered service member.
NRS 604A.600 — Application for license.
NRS 604A.605 — Additional materials to be submitted with application; grounds for denial of license.
NRS 604A.610 — Surety bond.
NRS 604A.615 — Deposit of securities in lieu of surety bond.
NRS 604A.620 — Application for license for office or other place of business located outside State.
NRS 604A.625 — Investigation of applicant; notice; hearing; order.
NRS 604A.630 — Procedure upon denial of license.
NRS 604A.635 — Issuance of license; display of license; issuance of additional licenses for branch locations; contents of license; license not transferable or assignable.
NRS 604A.640 — Expiration, renewal and reinstatement of license; fees.
NRS 604A.645 — Change of control of licensee: Notice; application to Commissioner.
NRS 604A.650 — Licensee must conduct business in accordance with license; approval of business name; prohibition against using misleading or confusing business name or printed forms.
NRS 604A.655 — Restrictions on location where licensee may conduct business; requirements to conduct business at same location as mortgage company or pawnbroker.
NRS 604A.660 — Change of address by licensee: Notice; approval by Commissioner; penalty for failure to provide required notice.
NRS 604A.665 — Commissioner authorized to take action to participate in Registry; charges for use; regulations; provisions do not affect authority of Commissioner regarding licensing.
NRS 604A.670 — Submission and processing of fingerprints.
NRS 604A.675 — Commissioner to report information to Registry; confidentiality of information provided; Commissioner authorized to enter into certain agreements and arrangements.
NRS 604A.680 — Additional materials to be submitted to Registry.
NRS 604A.685 — Licensee required to register and maintain unique identifier; Commissioner authorized to issue license through Registry; references to Commissioner deemed references to Registry.
NRS 604A.700 — Required books and records.
NRS 604A.710 — Investigation of businesses; examination of books and records by Commissioner.
NRS 604A.720 — Authority of Commissioner to require attendance of witnesses and production of books and records.
NRS 604A.730 — Annual examinations by Commissioner; exceptions.
NRS 604A.740 — Fees for regulatory activities; penalties for failure to pay fees.
NRS 604A.750 — Annual report by licensee; composite reports; Commissioner may require additional reports.
NRS 604A.760 — Fees for failure to submit reports.
NRS 604A.800 — Temporary suspension of license: Conditions; notice; hearing; terms of suspension.
NRS 604A.810 — Order to desist and refrain; action to enjoin violation; appointment of receiver.
NRS 604A.820 — Procedure for taking disciplinary action; authorized disciplinary action; grounds.
NRS 604A.830 — Additional grounds for disciplinary action.
NRS 604A.840 — Surrender of license by licensee; effect of surrender.
NRS 604A.850 — Preexisting contracts unaffected by revocation, suspension, expiration or surrender of license.
NRS 604A.900 — Remedies for certain willful violations.
NRS 604A.910 — Administrative fines for unlicensed activity.
NRS 604A.920 — Other remedies for unlicensed activity.
NRS 604A.930 — Civil action.
NRS 604A.940 — Exercise of jurisdiction over party to civil action; service of summons to confer jurisdiction.