Code of Alabama
Ala. Code § 5-19-1.1 (2026)
Legislative Findings.
✓ official Alabama Legislature (ALISON) text, current July 2026
The Legislature finds as fact and determines that:
(1) The Alabama Consumer Credit Act, Title 5, Chapter 19, (commonly referred to as the “Mini-Code”), was enacted by the Legislature by Acts 1971, No. 2052, page 3290. All, or a portion, of the provisions of the Mini-Code apply to substantially all consumer credit transactions in Alabama involving billions of dollars annually.
(2) The availability of consumer credit and certainty of consumer credit transactions is essential to Alabama citizens and the economy of Alabama. Disputes have arisen involving the Mini-Code resulting in significant litigation.
(Acts 1996, No. 96-576, p. 887, §1.)
Notes of Decisions
Cited in 1
case, 2001–2001 · leading case: Watkins v. Birmingham Ret. Sys., 802 So. 2d 190 (Ala. 2001).
Watkins v. Birmingham Ret. Sys., 802 So. 2d 190 (Ala. 2001). “" Ala.Code 1975, § 5-19-1.1(1). "Credit transaction" is defined as "[a] loan or credit sale made by a creditor.”
Ala. Code § 5-19-1.1(1): 1 case
Watkins v. Birmingham Ret. Sys., 802 So. 2d 190 (Ala. 2001). “" Ala.Code 1975, § 5-19-1.1(1). "Credit transaction" is defined as "[a] loan or credit sale made by a creditor.”
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