Iowa Code

Iowa Code § 537.5102 (2026)

Scope

✓ current as of July 2026

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This part applies to actions or other proceedings to enforce rights arising from consumer credit transactions, to extortionate or unlawful extensions of credit, and to unconscionability. [C75, 77, 79, 81, §537.5102]

Notes of Decisions

Cited in 4 cases, 1979–2007 · leading case: Nw. Bank & Trust Co. v. Gutshall, 274 N.W.2d 713 (Iowa 1979).

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Nw. Bank & Trust Co. v. Gutshall, 274 N.W.2d 713 (Iowa 1979). · cites it 2× “Gutshall further contends the legislature intended the cure provisions of chapter 537 to be applied retrospectively by providing in § 537.5102, The Code: “This part applies to actions or other proceedings to enforce rights arising from consumer credit transactions .”

Midwest Check Cashing, Inc. v. Richey, 728 N.W.2d 396 (Iowa 2007). “§ 537.5102. The parties concede this is a consumer credit transaction.”

ITT Fin. Servs. v. Zimmerman, 464 N.W.2d 486 (Iowa Ct. App. 1990). “” § 537.5102. We do not believe the forum in which the action is brought alters ITT’s obligations under the ICCC; nothing in Chapter 631 relating to small claims leads us to a different conclusion and, in fact, section 631.”

Midwest Check Cashing, Inc., D/b/a Ez Money Check Cashing Vs. Erin E. Richey (Iowa 2007). “Thus, Midwest must comply with the notice to cure provisions of the ICCC. See id. § 537.5110(1) (“[T]he obligation of a consumer in a consumer credit transaction is enforceable by a creditor only after compliance with this section.”

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