Louisiana Revised Statutes & Codes

La. Rev. Stat. § 9:3510 (2026)

CHAPTER 2.  LOUISIANA CONSUMER CREDIT LAW

✓ current as of May 2026
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CHAPTER 2.  LOUISIANA CONSUMER CREDIT LAW

PART I.  GENERAL PROVISIONS AND DEFINITIONS

§3510.  Short title

This chapter shall be known and may be cited as the Louisiana Consumer Credit Law.

Added by Acts 1972, No. 454, §1, eff. Jan. 1, 1973.

Notes of Decisions
Cited in 45 cases (1 in the last 5 years), 1973–2026 · leading case: Preferred Inv. Corp. v. Neucere, 592 So. 2d 889 (La. Ct. App. 1991).
Preferred Inv. Corp. v. Neucere, 592 So. 2d 889 (La. Ct. App. 1991). · cites it 7× “Under the terms of the loan agreement and in accordance with the Louisiana Consumer Credit Law, R.S. 9:3510 et seq., PIC allegedly calculated the rebate due upon conversion, applied the rebate, and began charging the Neuceres interest on the outstanding balance.”
Louisiana Indep. Auto Dealers Ass'n v. State, 295 So. 2d 796 (La. 1974). · cites it 4× “9:3568, to provide for a system of laws relating to certain consumer credit sales, consumer loans, consumer leases and other consumer transactions, security therefor, collection of time-price differential, service, finance and other similar charges thereon and for insurance…”
Marshall v. Citicorp Mortg. Inc., 601 So. 2d 669 (La. Ct. App. 1992). · cites it 2× “R.S. 9:3510 et seq.). The suit concerns a consumer credit loan with decreasing term life insurance.”
Bohm v. CIT Fin. Servs., Inc., 348 So. 2d 132 (La. Ct. App. 1977). · cites it 2× “or a violation of Louisiana Consumer Credit Law—LSA-R.S. 9:3510 et seq. The basis of this argument is that the signature is a forgery and the repossession is illegal.”
Spencer v. Boucher, 587 So. 2d 97 (La. Ct. App. 1991). · cites it 3× “The defendant argued that it should be able to charge more than the conventional rate of interest. The defendant argued that because the plaintiffs borrowed from a finance company, they should have had every expectation that they would be charged finance company rates permitted…”
Coffey v. Peoples Mortg. & Loan of Shreveport, 408 So. 2d 1153 (La. Ct. App. 1981). “[2] Because defendant is a finance company, a licensed lender under the Louisiana Consumer Credit Law (LRS 9:3510 et seq.), defendant contends that the transaction should be governed by that law which allows a higher rate of interest than does LRS 9:3503.”
Louisiana Nat. Leasing Corp. v. ADF Serv., Inc., 377 So. 2d 92 (La. 1979). “R.S. 9:3510, et seq. A consumer transaction is generally defined as one involving the purchase of an item for personal, family or household use.”
Aetna Fin. Co. of Baton Rouge v. Perkins, 448 So. 2d 121 (La. Ct. App. 1984). “R.S. 9:3510, et seq.). The Perkinses prayed that the main demand be dismissed and that they be awarded a civil penalty on the reconventional demand of $1,000 with legal interest thereon from date of judicial demand until paid and an attorney fee of $2,500.”
The Rsch. Grp., Inc. v. Sharp, 430 So. 2d 165 (La. Ct. App. 1983). “R.S. 9:3510 et seq.]. Although an otherwise excluded debtor and creditor may avail themselves of the Consumer Credit Law and its more liberal interest provisions, the contract must be specifically and expressly written into the transaction.”
Termplan Mid-City Inc. v. Laughlin, 333 So. 2d 738 (La. Ct. App. 1976). “See LSA-R.S. 9:3510, et seq. Section 3529 thereof provides for rebate of unearned interest on payment of the debt upon acceleration.”
Cent. Progressive Bank v. Bradley, 496 So. 2d 525 (La. Ct. App. 1986). “R.S. 9:3510 et seq., and provides that "[a]ny consumer credit transaction agreement may provide for the payment by the consumer of attorney's fees not in excess of twenty-five per cent of the unpaid debt after default and referral to an attorney for collection.”
Plan Investments of New Orleans, Inc. v. Harris, 405 So. 2d 1094 (La. Ct. App. 1980). · cites it 2× “2924, or R.S. 9:3510 et seq., the Louisiana Consumer Credit Law.”
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