Title 7 — Financial Institutions Act

Title 7 Financial Institutions Act

Chapter 1 General Provisions

Part 1 Citation, Purposes, Definitions, and Application

§ 7-1-101 Title.

§ 7-1-102 Legislative findings, purpose, and intent.

§ 7-1-103 Definitions.

§ 7-1-103.5 Control.

§ 7-1-104 Exemptions from application of title.

§ 7-1-105 Procedures -- Adjudicative proceedings.

§ 7-1-106 Venue for action or petition brought by commissioner.

Part 2 Department of Financial Institutions

§ 7-1-201 Creation of department -- Organization.

§ 7-1-202 Commissioner of financial institutions as executive officer -- Appointment -- Term -- Salary -- Qualifications.

§ 7-1-203 Board of Financial Institutions.

§ 7-1-204 Chief examiner -- Powers and duties.

§ 7-1-205 Supervisor of banks -- Responsibilities.

§ 7-1-207 Supervisor of industrial banks -- Responsibilities.

§ 7-1-208 Supervisor of credit unions -- Responsibilities.

§ 7-1-208.1 Supervisor of holding companies -- Qualifications -- Responsibilities.

§ 7-1-208.2 Deputy commissioner.

§ 7-1-208.3 Supervisor of money services businesses.

§ 7-1-209 Additional supervisors, examiners, and other personnel -- Compensation -- Travel expenses.

§ 7-1-210 Records of department required.

§ 7-1-211 Reports of commissioner to governor and Legislature.

§ 7-1-212 Background checks for employees.

§ 7-1-213 Compliance with training and certification requirements.

Part 3 Powers and Duties of Commissioner of Financial Institutions

§ 7-1-301 Powers and duties of commissioner -- Rulemaking.

§ 7-1-302 Review of supervisor's action by commissioner.

§ 7-1-303 Joint operations and information exchange by institutions.

§ 7-1-304 Civil actions against unauthorized operations.

§ 7-1-305 Final decisions on applications for new institutions, branches, relocation, merger, consolidation, acquisition and changes in control of financial institutions.

§ 7-1-307 Cease and desist orders -- Procedure for issuance.

§ 7-1-308 Suspension or removal of director or officer -- Grounds -- Procedure for issuance of order.

§ 7-1-309 Hearings by commissioner -- Discretion of commissioner -- Procedure -- Judicial review.

§ 7-1-310 Subpoena power of commissioner.

§ 7-1-311 Moratoriums on applications for new depository institutions or branches.

§ 7-1-312 Reports required of large stockholders of financial institutions as to loans secured by stock.

§ 7-1-313 Requiring remedial action by institution in or about to be in unsound condition -- Assistance by insurers.

§ 7-1-314 Examination of institutions by commissioner or supervisor.

§ 7-1-315 Examination by board of directors required -- Report.

§ 7-1-316 Forms for reports required from institutions.

§ 7-1-317 Reports of condition called for by commissioner.

§ 7-1-318 Reports of condition -- Form -- Falsification or failure to file.

§ 7-1-319 Notice to county attorney or district attorney of criminal violations -- Attorney general to conduct actions commenced by commissioner -- Assistance of county attorney or district attorney.

§ 7-1-320 Actions to enjoin violations -- Bond not required -- Recovery -- Attorney fees.

§ 7-1-321 Powers and duties of commissioner to carry out purposes of title.

§ 7-1-322 Orders of commissioner -- Writing -- Service -- Contents -- Enforcement.

§ 7-1-323 Regulation of interstate operations -- Coordination of efforts.

§ 7-1-324 Debt cancellation agreements and debt suspension agreements.

§ 7-1-325 Compliance with applicable federal law.

Part 4 Fees

§ 7-1-401 Fees payable to commissioner.

§ 7-1-402 Time for payment of fees -- Schedule of additional fees -- Revocation of permit or license for failure to pay fees.

§ 7-1-403 Funds and balances paid to treasurer -- Separate account -- Use of funds.

Part 5 Jurisdiction of Department

§ 7-1-501 Institutions and persons subject to jurisdiction of department.

§ 7-1-502 Limitations on jurisdiction of department.

§ 7-1-503 Regulation of sale by financial institution of its securities -- Solicitation of deposit accounts restricted -- Violations.

§ 7-1-505 Rules and regulations governing persons or institutions not regulated under other chapters of title.

§ 7-1-507 Assessing institution's record in meeting credit needs -- Requirements -- Remedial order.

§ 7-1-508 Conviction for fraud or dishonest conduct as disqualification to serve as officer, director or employee or to take control of a depository institution -- Violation as misdemeanor.

§ 7-1-510 Examination of institutions -- Adoption of rules -- Requiring actions by institutions.

Part 6 Deposit Accounts

§ 7-1-601 Adverse claim to account in depository institution -- Notice required -- Bond may be required for payment.

§ 7-1-602 Final settlement of transaction account -- Limitation of action on accuracy of statement -- Duty to examine statement and notify of errors unaffected.

§ 7-1-603 Final settlement of savings account -- Limitation of action on accuracy of statement.

§ 7-1-604 Savings accounts -- Qualifications to hold -- Representation -- Transfer -- Holder treated as owner -- Exception.

§ 7-1-605 Savings accounts -- Special terms to be in writing.

§ 7-1-606 Savings accounts and credit union share accounts -- Form of ownership certificate.

§ 7-1-607 Lost or destroyed account book or certificate.

§ 7-1-608 School or institutional savings plans authorized.

§ 7-1-609 Payroll deduction savings -- Direct deposit of wages.

§ 7-1-610 Attorney-in-fact as to savings account -- Institution immune from liability.

§ 7-1-611 Deposit accounts of minors or married persons.

§ 7-1-612 Pledge or hypothecation of joint savings accounts.

§ 7-1-613 Incompetency of savings account owner.

§ 7-1-616 Authority to accept transaction accounts -- Payment of instruments.

§ 7-1-617 No concentration limit under state law.

§ 7-1-618 Deposit production offices prohibited.

§ 7-1-619 Savings promotion programs.

Part 7 Authorization Required to Conduct Business

§ 7-1-701 Representing and transacting business as financial institution restricted -- Restricted names -- Penalty.

§ 7-1-702 Interstate acquisition, merger, and branching.

§ 7-1-703 Restrictions on acquisition of institutions and holding companies -- Enforcement.

§ 7-1-704 Authorization required to engage in business -- Exemptions -- Procedure.

§ 7-1-705 Approval required for certain transactions -- Application -- Grounds for disapproval.

§ 7-1-706 Application to commissioner to exercise power -- Procedure -- Notice.

§ 7-1-708 Establishing branches and relocating offices -- Application and procedure for approval -- Nonexempt credit unions.

§ 7-1-709 Branches -- Discontinuance of operation.

§ 7-1-710 "Agency" defined -- Purposes and establishment of agency.

§ 7-1-711 Mobile facilities -- Approval required for operation.

§ 7-1-712 Acquisition of office of another financial institution.

§ 7-1-713 Conversion of financial institution -- Approval required -- Procedure -- Federal-state conversion.

§ 7-1-714 Judicial review of acts of commissioner -- Hearing by court.

§ 7-1-715 Loan production offices -- Application and procedure for approval.

§ 7-1-716 Affiliate depository institutions acting as agents -- Notification required.

Part 8 Miscellaneous

§ 7-1-801 False statement derogatory to financial condition of depository institution a misdemeanor -- Exemptions.

§ 7-1-802 Confidentiality of information received by department -- Availability of information.

§ 7-1-803 Conflicting interests of commissioner, supervisors, and examiners -- Loans and accounts -- Disclosure -- Penalty.

§ 7-1-806 Money market funds arranging with bank to honor two-party instruments -- Discouraging payment of interest to two persons on funds in transit -- Pyramiding and similar schemes as misdemeanors.

§ 7-1-807 Printed checks, drafts and orders -- Requirements -- Violation as misdemeanor.

§ 7-1-808 Closing days for depository institutions.

§ 7-1-809 Articles of incorporation -- Amended or restated articles of incorporation -- Prerequisites to filing.

§ 7-1-810 Limited liability companies.

Part 9 Depository Institution Insurance Powers

§ 7-1-901 Authorized insurance activities of depository institutions.

Part 10 Financial Information Privacy

§ 7-1-1001 Definitions -- Written consent or court order for disclosure by financial institution -- Exception.

§ 7-1-1002 Notice to person about whom information sought.

§ 7-1-1003 Intervention to challenge or stay order -- Burden on governmental entity.

§ 7-1-1004 Reimbursement of financial institution for costs of obtaining information.

§ 7-1-1005 Admissibility of information restricted.

§ 7-1-1006 Inapplicable to certain official investigations.

§ 7-1-1007 Liability of financial institutions.

Chapter 2 Possession of Depository Institution by Commissioner

§ 7-2-1 Supervisory actions by commissioner -- Grounds -- Mergers or acquisitions authorized by commissioner -- Possession of business and property taken by commissioner.

§ 7-2-2 Action to review the commissioner's actions -- Supervision of actions of commissioner in possession -- Authority of commissioner and court.

§ 7-2-3 Action for injunction against commissioner in possession -- Procedure -- Appeal.

§ 7-2-4 Consent required for institution to resume business.

§ 7-2-5 Appointment of receiver or assignment for creditors -- Notice required -- Commissioner taking possession.

§ 7-2-6 Possession by commissioner -- Notice -- Presentation, allowance, and disallowance of claims -- Objections to claims.

§ 7-2-7 Stay of proceedings against institution -- Relief.

§ 7-2-8 Special deputies or agents -- Appointment -- Bond.

§ 7-2-9 Conservatorship, receivership, or liquidation of institution -- Appointment of receiver -- Review of actions.

§ 7-2-10 Inventory of assets -- Listings of claims -- Report of proceedings -- Filing -- Inspection.

§ 7-2-11 Special counsel -- Employment by attorney general.

§ 7-2-12 Powers of commissioner in possession -- Sale of assets -- Postpossession financing -- New deposit instruments -- Executory contracts -- Transfer of property -- Avoidance of transfers -- Avoidable preferences -- Setoff.

§ 7-2-13 Collections in liquidation -- Deposit -- Preference.

§ 7-2-14 Expenses during possession.

§ 7-2-15 Priority of obligations, expenses, and claims -- Distribution of balance of assets.

§ 7-2-16 Interim ratable dividends.

§ 7-2-17 Disposition of records after liquidation.

§ 7-2-18 Plan for reorganization or liquidation of institution -- Hearing -- Procedure -- Effect -- Appeals.

§ 7-2-19 Suspension of payments by institution -- Order of commissioner -- Approval of governor -- Period effective -- Exempt payments -- Operation during suspension -- Modification of orders -- Adoption of rules and regulations.

§ 7-2-21 Applicability of Utah Procurement Code.

§ 7-2-22 Termination of authority to transact business.

§ 7-2-23 Limitation of action -- Tolling of period.

Chapter 3 Banks

§ 7-3-1 Application of chapter.

§ 7-3-2 Restrictions on conduct of banking business.

§ 7-3-3 "Banking business" defined -- Credit card banks -- Insurance of deposit accounts.

§ 7-3-3.2 Securities business permitted -- Activities conducted by subsidiary -- Disclosure statements required.

§ 7-3-10 Organization -- Powers, rights, and privileges of banking corporation -- Other business activities.

§ 7-3-12 Prohibited investments and loans.

§ 7-3-13 Changes in articles of incorporation restricted.

§ 7-3-15 Dividends allowed -- Surplus requirements.

§ 7-3-18 Real estate acquisition, holding, and conveyance.

§ 7-3-19 Limitations on loans and extensions of credit.

§ 7-3-20 Bank acquiring, holding, or accepting as collateral its own stock.

§ 7-3-21 Stock ownership by banks.

§ 7-3-22 Certificates and evidences of deposit binding -- Issuance of items intended to circulate as money prohibited.

§ 7-3-24 Certification of check.

§ 7-3-25 Bad debts.

§ 7-3-26 Overdraft as asset.

§ 7-3-28 Capital notes or debentures.

§ 7-3-30 Board of directors to manage business -- Residency of directors.

§ 7-3-31 Oath of bank directors.

§ 7-3-32 Meetings of board of directors -- Reports -- Records -- Loans to officers, directors and principal shareholders.

§ 7-3-33 Examination of affairs by board of directors -- Purposes -- Frequency -- Report filed in bank records.

§ 7-3-34 Contents of examination report of board of directors -- Failure to make and file report as misdemeanor.

§ 7-3-35 Examinations in lieu of directors' examination -- Report filed with board minutes.

§ 7-3-36 Loans to officers, directors and stockholders.

§ 7-3-39 Shareholders' right to examine bank records -- Records as to a particular customer.

Chapter 5 Trust Business

Part 1 General Provisions

§ 7-5-101 Definitions.

§ 7-5-102 Allowable trust companies -- Exceptions.

§ 7-5-103 Permit required to engage in trust business -- Exceptions.

§ 7-5-104 Application for authorization to engage in trust business -- Criteria for granting -- Authority of trust company.

§ 7-5-105 Withdrawal from trust business.

§ 7-5-106 Revocation of trust authority -- Procedure -- Violations.

§ 7-5-107 Confidentiality of communications and writings concerning trust -- Actions to protect property or authorized under probate laws not precluded.

§ 7-5-108 Management and investment of trust money.

§ 7-5-109 Segregation of trust assets -- Books and records required -- Examination -- Trust property not subject to claims or debts against trust company.

§ 7-5-110 Registration of investment in name of nominee -- Records -- Possession of investment.

§ 7-5-111 Lending trust funds to trust company, officer, director, or employee a felony.

§ 7-5-112 Self-dealing with trust property -- Own stock as trust property -- Policies for dealing with trust securities.

§ 7-5-113 Directors' audit of trust business -- Report available to commissioner or examiners -- Examinations in lieu of audit.

§ 7-5-114 Collective investment funds.

§ 7-5-115 Mergers, consolidations, acquisitions, transfers, or reorganizations involving entities engaged in trust business -- Succession of rights and duties -- Petition for appointment of another trust company.

§ 7-5-116 Assets of trust company in possession of the commissioner.

Chapter 8 Industrial Banks

§ 7-8-3 Organization -- Authorization to conduct business -- Deposit insurance.

§ 7-8-5 Acquisition of own stock restricted -- Capital requirements.

§ 7-8-7 Reports to commissioner.

§ 7-8-11 Dividends.

§ 7-8-13 Real estate acquisition, holding, and conveyance.

§ 7-8-14 Investment in property used in conduct of business.

§ 7-8-15 Bad debts.

§ 7-8-16 Registration of industrial bank holding company -- Filing and contents of statement -- Exemptions -- Rules.

§ 7-8-19 Meetings of the board of directors.

§ 7-8-20 Limitations on loans to one borrower -- Exceptions -- Rules.

§ 7-8-21 Application of chapter to industrial loan companies.

Chapter 9 Utah Credit Union Act

§ 7-9-1 Title.

§ 7-9-2 Description of credit unions.

§ 7-9-3 Definitions.

§ 7-9-5 Powers of credit unions.

§ 7-9-6 Formation of corporation to conduct credit union -- Approval of commissioner.

§ 7-9-7 Forms furnished by commissioner.

§ 7-9-9 Amendment of articles of incorporation.

§ 7-9-10 Filing amendment.

§ 7-9-11 Bylaws and amendments to be approved.

§ 7-9-12 Contents of bylaws.

§ 7-9-13 Fiscal year.

§ 7-9-14 Meetings.

§ 7-9-15 Appeals from board of directors or committees.

§ 7-9-16 Members -- Eligibility -- Liability -- Grounds for closing account -- Denial of membership.

§ 7-9-17 Membership officer -- Appointment -- Eligibility -- Function -- Appeals from.

§ 7-9-18 Expulsion of member.

§ 7-9-19 Payments to expelled members -- Liability of member not relieved by expulsion.

§ 7-9-20 Board of directors -- Powers and duties -- Loan limitations.

§ 7-9-21 Executive officers -- Election -- Power -- Terms.

§ 7-9-22 Credit committee -- Credit manager.

§ 7-9-23 Supervisory committee -- Duties -- Suspension or removal of officer, director, or credit committee member.

§ 7-9-24 Compensation of directors, committee members, and president -- Expense reimbursement.

§ 7-9-25 Shares -- Number unlimited -- Subscription and payment -- Par value -- Ownership required for membership -- Dormant accounts.

§ 7-9-26 Loans to members -- Investment officers -- Investments.

§ 7-9-27 Dividends -- Interest refunds.

§ 7-9-28 Loan to credit union official.

§ 7-9-29 Allowance account for loan losses.

§ 7-9-30 Reserve requirements -- "Risk assets" defined.

§ 7-9-31 Shares held in trust.

§ 7-9-32 Joint accounts -- Accounts providing for payment to designated person on death of owner or owners.

§ 7-9-33 Lien and right of set off of credit union.

§ 7-9-34 Tax exemption of credit unions.

§ 7-9-36 Dissolution.

§ 7-9-37 Transfer of members of dissolved, merged, consolidated, transferred, or acquired credit union.

§ 7-9-39 Voluntary merger.

§ 7-9-39.5 Supervisory merger.

§ 7-9-42 Record requirements.

§ 7-9-44 Corporate central credit union.

§ 7-9-45 Insurance of shares and deposits -- Security on shares and deposits.

§ 7-9-46 Out-of-state credit unions -- Authorization to do business in state -- Supervision -- Examination.

§ 7-9-48 Disclosure of share and deposit insurance -- Disclosure if secured through securities.

§ 7-9-49 Limitation of personal liability of directors and committee members.

§ 7-9-50 General limitation on liability.

§ 7-9-51 Field of membership.

§ 7-9-52 Expansion of a field of membership.

§ 7-9-53 Grandfathering.

§ 7-9-55 Nonexempt credit unions.

§ 7-9-58 Limitations on credit extended by nonexempt credit unions.

§ 7-9-59 Credit union service organizations -- Limitations on providing services through other entities.

Chapter 14 Credit Information Exchange

§ 7-14-1 Definitions.

§ 7-14-2 Legislative findings.

§ 7-14-3 Information an institution may furnish.

§ 7-14-4 Immunity from liability.

§ 7-14-5 Reciprocal exchange of information authorized.

Chapter 15 Dishonored Instruments

§ 7-15-1 Definitions -- Civil liability of issuer -- Notice of action -- Collection costs -- Exemptions.

§ 7-15-2 Notice -- Form.

§ 7-15-3 Liability of financial institution upon wrongful dishonor.

Chapter 16a Automated Teller Machine Act

Part 1 General Provisions

§ 7-16a-101 Title.

§ 7-16a-102 Definitions.

§ 7-16a-103 Application of chapter.

Part 2 Authority, Powers, Contractual Waiver, and Notification Requirements

§ 7-16a-201 Authority to operate an automated teller machine.

§ 7-16a-202 Powers of depository institutions operating automated teller machines -- Fees or surcharges.

§ 7-16a-203 Contractual waiver of Uniform Commercial Code provisions.

§ 7-16a-204 Department notification requirements.

Chapter 17 Interest on Mortgage Loan Reserve Accounts

§ 7-17-1 Effect of act.

§ 7-17-2 Definitions.

§ 7-17-3 Lender to pay interest -- Exceptions -- Service charges prohibited.

§ 7-17-4 Options in lieu of reserve account -- Notice by lender -- Selection by borrower -- Noninterest-bearing reserve account -- Exemption.

§ 7-17-5 Statements.

§ 7-17-6 Liability of lender for failure to pay taxes, insurance premiums, or other charges.

§ 7-17-7 Limit on amount borrower required to pay into account -- Deficiency -- Method of recouping and remedies for default.

§ 7-17-8 Damages for lender's violation of act -- Limitations on recovery.

§ 7-17-9 Actions on accounts established prior to 1979 -- Limitations on recovery.

§ 7-17-10 Applicability of act to accounts and actions thereon.

Chapter 18a Utah Foreign Depository Institutions Act

Part 1 Title, Definitions, and Application of Law

§ 7-18a-101 Title.

§ 7-18a-102 Definitions.

§ 7-18a-103 Application of Utah Revised Business Corporation Act.

§ 7-18a-104 Application of Utah Financial Institutions Act.

Part 2 Authorization Required to Conduct Business

§ 7-18a-201 Authorization required to transact business as a foreign depository institution agency, branch, or representative office.

§ 7-18a-202 Application and fee to establish, relocate, or discontinue a foreign depository institution agency, branch, or representative office -- Certificate of authority.

§ 7-18a-203 No concurrent maintenance of agencies or branches.

§ 7-18a-204 Filing of amendments to articles of incorporation.

§ 7-18a-205 Amended certificate of authority to establish an agency, branch, or representative office.

§ 7-18a-206 Change of control of foreign depository institution.

§ 7-18a-207 Annual renewal of certificate of authority.

Part 3 Powers

§ 7-18a-301 Powers of an agency, branch, or representative office of a foreign depository institution.

§ 7-18a-302 Trust business.

Part 4 Operation

§ 7-18a-401 Separate assets.

§ 7-18a-402 Disclosure of lack of deposit insurance.

§ 7-18a-403 Asset maintenance.

Part 5 Possession of Foreign Depository Institutions by Commissioner

§ 7-18a-501 Supervisory actions by commissioner.

§ 7-18a-502 Distribution of balance of assets.

Chapter 19 Acquisition of Failing Depository Institutions or Holding Companies

§ 7-19-1 Definitions.

§ 7-19-2 Supervisory acquisition or merger authorized or required by commissioner.

§ 7-19-3 Waiver of procedures.

§ 7-19-4 Rights and powers of acquired or resulting institution or holding company.

§ 7-19-5 Findings prerequisite to requiring or authorizing supervisory acquisitions or mergers by commissioner.

§ 7-19-5.5 Transferred assets free of encumbrances.

§ 7-19-9 Commissioner's powers not limited -- Immunity -- Rules -- Reports.

Chapter 22 Regulation of Independent Escrow Agents

§ 7-22-101 Definitions -- Exemptions.

§ 7-22-102 Authorization required.

§ 7-22-103 Registration -- Fees -- Qualifications -- Rulemaking.

§ 7-22-104 Net worth requirements.

§ 7-22-105 Bond required.

§ 7-22-106 Accounts to be maintained -- Records open to inspection -- Retention of records.

§ 7-22-107 Examinations.

§ 7-22-108 Segregation of accounts -- Duties specified by agreement -- Duties generally.

§ 7-22-109 Priority of claims in case of insolvency.

Chapter 23 Check Cashing and Deferred Deposit Lending Registration Act

Part 1 General Provisions

§ 7-23-101 Title.

§ 7-23-102 Definitions.

§ 7-23-103.1 Exemptions.

§ 7-23-104.1 No effect on civil liability.

Part 2 Registration Requirements

§ 7-23-201 Registration -- Rulemaking.

Part 3 Check Cashing Operations

§ 7-23-301 Posting of fee schedules for cashing checks.

Part 4 Deferred Deposit Lending Operations

§ 7-23-401 Operational requirements for deferred deposit loans.

§ 7-23-402 Electronic disbursement and collections.

§ 7-23-403 Extended payment plan.

Part 5 Enforcement

§ 7-23-501 Enforcement by department -- Rulemaking.

§ 7-23-502 Examination of books, accounts, and records by the department.

§ 7-23-503 Reporting by commissioner.

§ 7-23-504 Penalties.

Chapter 24 Title Lending Registration Act

Part 1 General Provisions

§ 7-24-101 Title.

§ 7-24-102 Definitions.

Part 2 Requirements

§ 7-24-201 Registration -- Rulemaking.

§ 7-24-202 Operational requirements for title loans.

§ 7-24-203 Disclosure form for title loans.

§ 7-24-204 Remedy for default.

Part 3 Enforcement

§ 7-24-301 Enforcement by department -- Rulemaking.

§ 7-24-302 Examination of books, accounts, and records by the department.

§ 7-24-303 Penalties.

§ 7-24-304 Civil liability.

§ 7-24-305 Exemptions.

Chapter 25 Money Transmitter Act

Part 1 General Provisions

§ 7-25-101 Title.

§ 7-25-102 Definitions.

§ 7-25-103 Rules.

Part 2 Licensing

§ 7-25-201 Licensing required.

§ 7-25-202 Exemptions.

§ 7-25-203 License qualifications.

§ 7-25-204 License application -- Bond.

§ 7-25-205 Issuance of license.

§ 7-25-206 Renewal of license.

Part 3 Operational Requirements

§ 7-25-301 Reporting requirements.

§ 7-25-302 Changes in control of a licensee.

§ 7-25-303 Authorized agent contracts.

§ 7-25-304 Authorized agent conduct.

§ 7-25-305 Instrument to bear name of licensee.

Part 4 Enforcement

§ 7-25-401 Examinations.

§ 7-25-402 Confidentiality of information.

§ 7-25-403 Termination or suspension of authorized agent activity.

§ 7-25-404 Licensee liability.

§ 7-25-405 Criminal and civil penalties.

§ 7-25-406 Consent orders -- Emergency order.

§ 7-25-407 Required deposits.

Chapter 26 Financial Exploitation Prevention Act

Part 1 General Provisions

§ 7-26-101 Title.

§ 7-26-102 Definitions.

Part 2 General Prevention of Financial Exploitation

§ 7-26-201 Permitted delay of wire transfers.

§ 7-26-202 Office of the Attorney General website.

Part 3 Permitted Acts to Prevent Financial Exploitation of Vulnerable Adults

§ 7-26-301 Delay of a transaction involving a vulnerable adult.

§ 7-26-302 Permitted notifications.

Part 4 Immunity

§ 7-26-401 Immunity.

Chapter 27 Commercial Financing Registration and Disclosure Act

Part 1 General Provisions

§ 7-27-101 Definitions.

§ 7-27-102 Application.

Part 2 Registration

§ 7-27-201 Registration requirements -- Rulemaking.

§ 7-27-202 Disclosures for commercial financing transactions.

Part 3 Enforcement

§ 7-27-301 Penalties.

Chapter 28 Uniform Special Deposits Act

Part 1 Uniform Special Deposits Act

§ 7-28-101 Definitions.

§ 7-28-102 Scope -- Choice of law -- Forum.

§ 7-28-103 Variation by agreement or amendment.

§ 7-28-104 Requirements for special deposit.

§ 7-28-105 Permissible purpose.

§ 7-28-106 Payment to beneficiary by bank.

§ 7-28-107 Property interest of depositor or beneficiary.

§ 7-28-108 When creditor process enforceable against bank.

§ 7-28-109 Injunction or similar relief.

§ 7-28-110 Recoupment or set off.

§ 7-28-111 Duties and liability of bank.

§ 7-28-112 Term and termination.

§ 7-28-113 Principles of law and equity.

§ 7-28-114 Uniformity of application and construction.

§ 7-28-115 Transitional provision.

§ 7-28-116 Severability.

Chapter 29 Digital Asset and Blockchain Technology

Part 1 General Provisions

§ 7-29-101 Definitions.

§ 7-29-102 Permitted uses of digital assets.

§ 7-29-103 Access to blockchain protocols and transfer of digital assets.

§ 7-29-104 Exemption from money transmission license.

Full text is available per section.