Iowa Code

Iowa Code § 322.33 (2026)

Applicability of the Iowa consumer credit code

✓ current as of July 2026
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1. The provisions of the Iowa consumer credit code, chapter 537, shall apply to a consumer credit sale in which a licensed motor vehicle dealer participates or engages, and any violation of that code shall be a violation of this chapter.

2. Chapter 537, article 2, parts 5 and 6, and chapter 537, article 3, sections 537.3203, 537.3206, 537.3209, 537.3304, 537.3305, and 537.3306, shall apply to any credit transaction, as defined in section 537.1301, that is a retail installment transaction. For the purpose of applying provisions of the consumer credit code in those transactions, “consumer credit sale” shall include a sale for a business purpose.

3. A provision of the Iowa consumer credit code, chapter 537, shall supersede a conflicting provision of this chapter. [C75, 77, 79, 81, §322.33] 2003 Acts, ch 44, §114; 2013 Acts, ch 30, §69 Referred to in §322.19\n\n 322.34 Reserved. \n

Notes of Decisions
Cited in 2 cases, 1987–1996 · leading case: Tim O'Neill Chevrolet, Inc. v. Forristall, 551 N.W.2d 611 (Iowa 1996).
Tim O'Neill Chevrolet, Inc. v. Forristall, 551 N.W.2d 611 (Iowa 1996). · cites it 2× “First, Iowa Code section 322.33(1) provides that the Iowa Consumer Credit Code applies “to a consumer credit sale in which a licensed motor vehicle dealer participates or engages.”
Equilease Corp. v. Smith, 405 N.W.2d 803 (Iowa 1987). · cites it 17× “Section 322.33 provided: 1. The provisions of the Iowa consumer credit code shall apply to a consumer credit sale in which a licensed motor vehicle dealer participates or engages, and any violation of that code shall be a violation of this chapter.”
— Iowa Code § 322.33(1) — 2 cases
Tim O'Neill Chevrolet, Inc. v. Forristall, 551 N.W.2d 611 (Iowa 1996). “First, Iowa Code section 322.33(1) provides that the Iowa Consumer Credit Code applies “to a consumer credit sale in which a licensed motor vehicle dealer participates or engages.”
Equilease Corp. v. Smith, 405 N.W.2d 803 (Iowa 1987). “Section 322.33 provided: 1. The provisions of the Iowa consumer credit code shall apply to a consumer credit sale in which a licensed motor vehicle dealer participates or engages, and any violation of that code shall be a violation of this chapter.”
— Iowa Code § 322.33(2) — 1 case
Equilease Corp. v. Smith, 405 N.W.2d 803 (Iowa 1987). “Section 322.33 provided: 1. The provisions of the Iowa consumer credit code shall apply to a consumer credit sale in which a licensed motor vehicle dealer participates or engages, and any violation of that code shall be a violation of this chapter.”
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