Iowa Code

Iowa Code § 537.3306 (2026)

Authorization to confess judgment prohibited

✓ current as of July 2026

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Unless executed after default on a claim arising out of a consumer credit transaction, authorization for a judgment by confession on that claim pursuant to chapter 676 is void. Any other authorization by a consumer for any person to confess judgment on the claim, whenever executed, is void. [C24, 27, 31, §9426; C35, §9438-f12; C39, §9438.12; C46, 50, 54, 58, 62, 66, 71, 73, §536.12; C75, 77, 79, 81, §537.3306] Referred to in §322.33, 536.13, 536A.31, 537.5201\n\n 537.3307 Certain negotiable instruments prohibited. With respect to a consumer credit sale or consumer lease, the creditor may not take a negotiable instrument other than a check or credit union share draft dated not later than ten days after its issuance as evidence of the obligation of the consumer. [C75, 77, 79, 81, §537.3307] Referred to in §537.3404, 537.5201

Notes of Decisions

Cited in 1 case, 1980–1980 · leading case: Citizens First Nat'l Bank v. Hoyt, 297 N.W.2d 329 (Iowa 1980).

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Citizens First Nat'l Bank v. Hoyt, 297 N.W.2d 329 (Iowa 1980). · cites it 4× “5111, sent to him for his signature an authorization to confess judgment in violation of section 537.3306 and engaged in misrepresentations concerning his debt and in other “unfair collection practices” prohibited by subsections 537.”

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