It is illegal for a seller to induce a person to enter into a contract subject to this act or attempt to offer it by offering a discount, discount, commission or any other consideration that depends on the occurrence of a future event, provided that the buyer sells or gives information or support for a sale by the seller of the same or related goods. With the exception of the provisions of section 1808.3, any instalment payment contract for individuals must be set out in a single document containing: (2) If the contract contains a financing fee fixed on the basis of simple interest, but which, in the case of a full deposit, provides for a minimum financing fee, the contract must contain a statement of this fact and the amount of the minimum financing fee or its method of calculation. one. Disclosures must be made in writing and written information must be communicated to the consumer for publication. b. All necessary information must be visible, but information relating to the identity of the creditor, the annual rate of charge and financing costs must be disclosed more vividly than any other disclosure. 15 U.S.C § 1632 (a). c. Most of the necessary information should be separated from other information that is not directly related to that necessary information. 12 C.F.R. §226.17 (a). The creditor can separate the information in different ways: by printing it on a separate sheet of paper, by surrounding it in a field, by using bold dividing lines, by using another colored background or by using different fonts. See Official Staff Comment 12 C.F.R.
§226.17 (a) (1)-2. (i) derogations from the segregation requirement: • The breakdown of the amount financed should not be included in separate disclosures and • the identity of the creditor, the example of the variable rate, insurance information and interest rights in securities may be included or excluded in separate disclosures. 12 C.F.R. §226.17 (a) (1), fn. 38. (2) „goods“ means all personal property, with the exception of motor vehicles used primarily for personal, family or household purposes. The property includes mobile homes, but not if the instalment payment contract also covers the property in which the mobile home is located. §56-1-1 (A). Where the holder makes available to the buyer a copy of those documents or a communication containing the goods prescribed in section 1803.3, which specifies that the buyer must inform the holder in writing within thirty days if no copy of the contract or other document requested by the seller or required the buyer to sign: and if he signed during the negotiation of the contract and he did not inform him of it, it shall be considered conclusive, in favour of the third party, that copies of these documents have been provided in accordance with Article 1803.
4 and 1803.7. Tempering sales negotiated and concluded by post or telephone without personal invitation from a seller or other representative of the seller, the seller`s cash and deferral prices and other conditions contained in a catalogue or any other publicly available printed order request may be made as set out below. . . .