Iowa Code

Iowa Code § 537.1201 (2026)

Territorial application

✓ current as of July 2026

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1. This chapter applies to:

a. A transaction, or acts, practices, or conduct with respect to a transaction, if the transaction is entered into in this state, except that a transaction involving other than open-end credit or acts, practices, or conduct with respect to such a transaction shall not subject any person to damages or penalty under article 5 of this chapter, or administrative enforcement under article 6, part 1:

(1) If the buyer, lessee, or debtor was physically located outside of this state, at the time the buyer, lessee, or debtor signed the writing evidencing the transaction or made, in face-to-face solicitation, a written or oral offer to enter into the transaction,

(2) If the transaction or acts, practices, or conduct with respect to the transaction were not in violation of law in the state in which the buyer, lessee, or debtor was physically located, and

(3) If, with respect to charges and agreements, the person does not collect or enforce that transaction except to the extent permitted by this chapter.

b. A transaction, or acts, practices, or conduct with respect to a transaction, if it is modified in this state, without regard to where the transaction is entered into, except that acts, practices, conduct, disclosures, charges, or provisions of agreements not in violation of law in the state where they occurred or were entered into, shall not subject any person to damages or penalty under article 5 or administrative enforcement under article 6, part 1, if, with respect to acts, practices, conduct, or disclosures, they occurred outside this state and before a modification in this state, and if, with respect to charges and agreements, they are not collected or enforced by that person except to the extent permitted by this chapter. A person shall not be required to obtain a license under section 537.2301 solely because the person modifies a transaction in this state.

c. Acts, practices, or conduct in this state in the solicitation, inducement, negotiation, collection, or enforcement of a transaction, without regard to where it is entered into or modified; including but not limited to acts, practices, or conduct in violation of sections 537.3209, 537.3210, 537.3311, 537.3501, article 5, parts 1 and 3, and article 7.

2. For the purposes of this section, a transaction is entered into or modified in this state if any of the following apply:

a. In a transaction involving other than open-end credit:

(1) If the buyer, lessee, or debtor is a resident of this state at the time the person extending \n Tue Dec 09 22:02:53 2025 Iowa Code 2026, Chapter 537 (58, 3) §537.1201, CONSUMER CREDIT CODE 6\n\ncredit solicits the transaction or modification, whether personally, by mail or by telephone, unless the parties have agreed that the law of the residence of the buyer, lessee, or debtor applies, in which case that law applies.

(2) If the buyer, lessee, or debtor is a resident of this state at the time the person extending credit receives either a signed writing evidencing the transaction or modification, or a written or oral offer of the buyer, lessee, or debtor to enter into or modify the transaction.

(3) If the transaction otherwise has significant contacts with this state, unless the buyer, lessee, or debtor is not a resident of this state at the times designated in subsection 2, paragraph “a”, subparagraphs (1) and (2), and the parties have agreed that the law of the buyer’s, lessee’s, or debtor’s residence applies. A person shall not be required to obtain a license under section 537.2301 solely because this chapter applies to a transaction pursuant to this subparagraph.

b. In an open-end credit transaction:

(1) If the buyer, lessee, or debtor is a resident of this state either at the time the buyer, lessee, or debtor forwards or otherwise gives to the person extending credit a written or oral communication of the intention to establish the open-end transaction, or at the time the person extending credit forwards or otherwise gives to the buyer, lessee, or debtor a written or oral communication giving notice to the buyer, lessee, or debtor of the right to enter into open-end transactions with such person, unless the parties have agreed that the law of the residence of the buyer, lessee, or debtor applies in which case that law shall apply.

(2) If the transaction otherwise has significant contacts with this state, unless the buyer, lessee, or debtor is not a resident of this state at the times designated in subsection 2, paragraph “a”, subparagraph (1), and the parties have agreed that the law of the buyer’s, lessee’s, or debtor’s residence applies. A person shall not be required to obtain a license under section 537.2301 solely because this chapter applies to a transaction pursuant to this subparagraph.

c. In any credit transaction, if the parties have agreed that the law of the residence of the buyer, lessee, or debtor applies and the buyer, lessee, or debtor is a resident of this state at any time designated, with respect to a transaction other than open-end, in subsection 2, paragraph “a”, subparagraphs (1) and (2) or, with respect to an open-end credit transaction, in subsection 2, paragraph “b”, subparagraph (1).

3. For the purposes of this section, “modification” shall include, but not be limited to, any alteration in the maturity, schedule of payments, amount financed, rate of finance charge, or other term of a transaction.

4. For the purposes of this chapter, the residence of a buyer, lessee, or debtor is the address given by that person as the person’s residence in a writing signed by the person in connection with a transaction until the person notifies the person extending credit of a different address as the person’s residence, and it is then the different address.

5. Except as provided in subsection 1, paragraph “c”, and subsection 6, a transaction entered into or modified in another jurisdiction is valid and enforceable in this state according to its terms to the extent that it is valid and enforceable under the laws of the other jurisdiction.

6. A provision of an agreement made by a buyer, lessee, or debtor is invalid:

a. Which provides, if the buyer, lessee, or debtor is a resident of this state at the times designated in subsection 2, paragraph “a”, subparagraphs (1) and (2) and subsection 2, paragraph “b”, subparagraph (1):

(1) That the law of another jurisdiction shall apply, except as provided in subsection 2, paragraph “a”, subparagraph (1) and in subsection 2, paragraph “b”, subparagraph (1).

(2) That the buyer, lessee, or debtor consents to be subject to the process of another jurisdiction.

(3) That the buyer, lessee, or debtor appoints an agent to receive service of process.

(4) That venue is fixed at a particular place.

(5) That the consumer consents to the jurisdiction of a court that does not otherwise have jurisdiction.

b. If a provision would negate subsection 1, paragraph “b”.

7. The following provisions of this chapter specify the applicable law governing certain cases: \n Tue Dec 09 22:02:53 2025 Iowa Code 2026, Chapter 537 (58, 3) 7 CONSUMER CREDIT CODE, §537.1301\n\n a. Section 537.6102 specifies the applicability of article 6, part 1.

b. Section 537.6201 specifies the applicability of article 6, part 2. [C75, 77, 79, 81, §537.1201] 2018 Acts, ch 1041, §127; 2021 Acts, ch 76, §132 Referred to in §537.1303, 537.5111, 537.5113, 537.6102, 537.6201, 537.6202, 654.2D \n

Notes of Decisions

Cited in 11 cases (1 in the last 5 years), 1977–2025 · leading case: Midwest Check Cashing, Inc. v. Richey, 728 N.W.2d 396 (Iowa 2007).

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Midwest Check Cashing, Inc. v. Richey, 728 N.W.2d 396 (Iowa 2007). · cites it 6× “§ 537.1201(4) (emphasis added). Thus, the creditor must mail the notice to cure to the address given by the debtor in a writing signed by the debtor in connection with the transaction.”

Norton v. Local Loan, 251 N.W.2d 520 (Iowa 1977). · cites it 4× “Sections 537.1201(2)(a)(l), 537.1201(2)(a)(2), and 537.”

Pub. Fin. Co. v. Van Blaricome, 324 N.W.2d 716 (Iowa 1982). · cites it 2× “” Iowa Code § 537.1201 (4) (1979). The Van Blaricome’s complaint is that Public Finance failed to meet its burden of proof in establishing that a notice of default and right to cure was in fact mailed.”

Lloyd's Plan, Inc. v. Brown, 268 N.W.2d 192 (Iowa 1978). · cites it 3× “5111(3) which requires the notice to be given to the consumer “at his residence as defined in section 537.1201 subsection 4.” The definition of “residence” in § 537.”

Hogue v. Palisades Collection, LLC, 494 F. Supp. 2d 1043 (S.D. Iowa 2007). · cites it 2× “2d 396, 399 (Iowa 2007) (quoting Iowa Code § 537.1201 (l)(c)). The ICCC, patterned on the Uniform Consumer Credit Code, was enacted to “broadly [ ] protect consumers in relatively small credit transactions.”

Koethe v. Johnson, 328 N.W.2d 293 (Iowa 1982). · cites it 2× “This was not a consumer credit transaction, Iowa Code § 537.1201 ; therefore, the provisions of section 537.”

Putensen v. Hawkeye Bank of Clay Cnty., 564 N.W.2d 404 (Iowa 1997). · cites it 2× “A creditor gives the notice when a creditor delivers the notice to the consumer or mails the notice to the borrower's residence as defined in section 537.1201, subsection 4. 3. The borrower has a right to cure the default within thirty days from the date the creditor gives the…”

Aldens, Inc. v. Miller, 466 F. Supp. 379 (S.D. Iowa 1979). · cites it 2× “Section 537.1201 has to do with the territorial application of the Iowa Consumer Credit Code.”

Sheffield Sav. Bank v. Klages, 294 N.W.2d 55 (Iowa 1980). · cites it 4× “-5113: An action by a creditor against a consumer arising from a consumer credit transaction shall be brought in the county of the consumer’s residence as defined in section 537.1201, subsection 4, unless an action is brought to enforce an interest in land securing the…”

Midwest Check Cashing, Inc., D/b/a Ez Money Check Cashing Vs. Erin E. Richey (Iowa 2007). · cites it 6× “§ 537.1201(1)(c). The transaction between Midwest and Richey satisfies this definition.”

Newrez LLC v. Tesdall (Iowa Ct. App. 2025). · cites it 2× “A creditor gives the notice when the creditor delivers the notice to the consumer or mails the notice to the borrower’s residence as defined in section 537.1201, subsection 4. Iowa Code § 654 .”

— Iowa Code § 537.1201(1)(c) — 1 case

Midwest Check Cashing, Inc., D/b/a Ez Money Check Cashing Vs. Erin E. Richey (Iowa 2007). “§ 537.1201(1)(c). The transaction between Midwest and Richey satisfies this definition.”

— Iowa Code § 537.1201(2)(a)(l) — 1 case

Norton v. Local Loan, 251 N.W.2d 520 (Iowa 1977). “Sections 537.1201(2)(a)(l), 537.1201(2)(a)(2), and 537.”

— Iowa Code § 537.1201(4) — 4 cases

Midwest Check Cashing, Inc. v. Richey, 728 N.W.2d 396 (Iowa 2007). “§ 537.1201(4) (emphasis added). Thus, the creditor must mail the notice to cure to the address given by the debtor in a writing signed by the debtor in connection with the transaction.”

Lloyd's Plan, Inc. v. Brown, 268 N.W.2d 192 (Iowa 1978). “5111(3) which requires the notice to be given to the consumer “at his residence as defined in section 537.1201 subsection 4.” The definition of “residence” in § 537.”

Sheffield Sav. Bank v. Klages, 294 N.W.2d 55 (Iowa 1980). “-5113: An action by a creditor against a consumer arising from a consumer credit transaction shall be brought in the county of the consumer’s residence as defined in section 537.1201, subsection 4, unless an action is brought to enforce an interest in land securing the…”

Midwest Check Cashing, Inc., D/b/a Ez Money Check Cashing Vs. Erin E. Richey (Iowa 2007). “§ 537.1201(1)(c). The transaction between Midwest and Richey satisfies this definition.”

— Iowa Code § 537.1201(l)(c) — 2 cases

Norton v. Local Loan, 251 N.W.2d 520 (Iowa 1977). “Sections 537.1201(2)(a)(l), 537.1201(2)(a)(2), and 537.”

Annotations are extracted automatically from the opinions in the Syfert caselaw corpus and ranked by authority, recency, and treatment. Dots show Syfertize treatment of the citing case itself.