Iowa Code

Iowa Code § 537.1202 (2026)

Exclusions

✓ current as of July 2026

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This chapter does not apply to:

1. Extensions of credit to government or governmental agencies or instrumentalities.

2. Except as otherwise provided in article 4, the sale of insurance if the insured is not obligated to pay installments of the premium and the insurance may terminate or be canceled after nonpayment of an installment of the premium.

3. Transactions under public utility or common carrier tariffs if a subdivision or agency of this state or of the United States regulates the charges for the services involved, the charges for delayed payment, and any discount allowed for early payment.

4. Transactions in securities or commodities accounts with a broker-dealer registered with the securities and exchange commission.

5. Pawnbrokers who are licensed and whose rates and charges are regulated under or pursuant to ordinances of cities or statutes of this state, except with respect to the provisions on compliance with the Truth in Lending Act in section 537.3201, civil liability for violation of disclosure provisions in section 537.5203, criminal penalties for disclosure violations in section 537.5302, and powers and functions of the administrator with respect to disclosure violations. [C75, 77, 79, 81, §537.1202] Referred to in §537.1108 \n

Notes of Decisions

Cited in 3 cases, 1985–2007 · 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). “§ 537.1202 (indicating what chapter 537 does not apply to).”

Paglia v. Elliott, 373 N.W.2d 121 (Iowa 1985). · cites it 2× “At this point Paglia injects his status as a pawnbroker into the argument, and he cites section 537.1202 of ICCC which provides in pertinent part: This chapter does not apply to: 5.”

Midwest Check Cashing, Inc., D/b/a Ez Money Check Cashing Vs. Erin E. Richey (Iowa 2007). “§ 537.1202 (indicating what chapter 537 does not apply to).”

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