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La. Rev. Stat. § 9:3512 (2026)

Exclusions

✓ laws through the 2025 Regular Session (checked Sept. 2026)
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§3512. Exclusions

This law does not apply to:

(1) Extensions of credit to organizations, including government or governmental agencies or instrumentalities.

(2) The sale of insurance by an insurer, except as otherwise provided in the part on insurance; however, this law shall apply to the sale of insurance by an insurance agent in which such agent charges a credit service charge and the insured is permitted to defer all or part of the amount due such agent in two or more installments excluding the down payment, and which otherwise constitutes a "consumer credit sale".

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

(4) Motor vehicle credit transactions, including refinancings, subject to the Motor Vehicle Sales Finance Act, R.S. 6:969.1 et. seq.

(5) Federally chartered and state chartered credit unions and transactions between credit unions and the members thereof.

(6) Pawn brokerage services.

(7) Credit transactions involving extensions of credit for business, commercial, or agricultural purposes.

(8) Federally related mortgage loans. This exclusion does not apply to loans secured by residential property made specifically subject to the Louisiana Consumer Credit Law by contract.

Acts 1972, No. 454, §1, eff. Jan. 1, 1973; Acts 1974, No. 466, §2; Acts 1974, No. 144, §1; Acts 1980, No. 694, §1; Acts 1983, No. 365, §1; Acts 1986, No. 584, §1, eff. July 2, 1986; Acts 1990, No. 847, §1; Acts 2001, No. 877, §2; Acts 2003, No. 340, §2; Acts 2006, No. 213, §1.

Notes of Decisions
Cited in 10 cases, 1974–2019 · leading case: Com. Nat'l Bank in Shreveport v. Scott, 398 So. 2d 1127 (La. 1981).
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Com. Nat'l Bank in Shreveport v. Scott, 398 So. 2d 1127 (La. 1981). · cites it 3× “” Also, as pointed out by plaintiff, R.S. 9:3512, the general provision on what is excluded from coverage under this Legislation, provides in pertinent part: *1129 “This law does not apply to .”
Williams v. Bill Watson Ford, Inc., 423 F. Supp. 345 (E.D. La. 1976). “R.S. 9:3512(4). Since this case involves the sale of an automobile, the applicable Louisiana law at the time of the transaction was La.”
Louisiana Indep. Auto Dealers Ass'n v. State, 295 So. 2d 796 (La. 1974). “…transactions made pursuant to The Motor Vehicle Sales Finance Act" were excluded from coverage of Section 1. See La. R.S. 9:3512(4).”
State Ex Rel. Guste v. Council of City of New Orleans, 309 So. 2d 290 (La. 1975). “R.S. 9:3512(3) (Supp.1974) makes the following exclusion: transactions under public utility .”
Colony Ins. v. NJC Enter., 927 F. Supp. 2d 319 (M.D. La. 2013). “R.S. 9:3512(2) (emphasis added). La. R.S.”
C & a Tractor Co. v. Branch, 520 So. 2d 909 (La. Ct. App. 1987). “Under R.S. 9:3512, the chapter does not apply to credit transactions involving extensions of credit for business or commercial purposes.”
Doerle Food Servs., L. L.C. v. River Valley Foods, L. L.C., 273 So. 3d 656 (La. Ct. App. 2019). “R.S. 9:3512. The agreement here allowed for a service charge on unpaid balances "equal to the maximum interest rate allowed by law.”
Doerle Food Servs., L. L.C. v. River Valley Foods, L. L.C., 273 So. 3d 656 (La. Ct. App. 2019). “R.S. 9:3512. The agreement here allowed for a service charge on unpaid balances "equal to the maximum interest rate allowed by law.”
Roger F. Holt v. West Virginia Am. Water Co., No. 13-0744 (W. Va. June 12, 2014). “]”); La. Rev. Stat. Ann. § 9:3512(3) (2006) (“This law does not apply to: .”
Holt v. West Virginia-Am. Water Co., 760 S.E.2d 502 (W. Va. 2014). “]”); La.Rev.Stat. Ann. § 9:3512(3) (2006) ("This law does not apply to: .”
La. Rev. Stat. § 9:3512(2): 1 case
Colony Ins. v. NJC Enter., 927 F. Supp. 2d 319 (M.D. La. 2013). “R.S. 9:3512(2) (emphasis added). La. R.S.”
La. Rev. Stat. § 9:3512(3): 3 cases
State Ex Rel. Guste v. Council of City of New Orleans, 309 So. 2d 290 (La. 1975). “R.S. 9:3512(3) (Supp.1974) makes the following exclusion: transactions under public utility .”
Roger F. Holt v. West Virginia Am. Water Co., No. 13-0744 (W. Va. June 12, 2014). “]”); La. Rev. Stat. Ann. § 9:3512(3) (2006) (“This law does not apply to: .”
Holt v. West Virginia-Am. Water Co., 760 S.E.2d 502 (W. Va. 2014). “]”); La.Rev.Stat. Ann. § 9:3512(3) (2006) ("This law does not apply to: .”
La. Rev. Stat. § 9:3512(4): 3 cases
Williams v. Bill Watson Ford, Inc., 423 F. Supp. 345 (E.D. La. 1976). “R.S. 9:3512(4). Since this case involves the sale of an automobile, the applicable Louisiana law at the time of the transaction was La.”
Com. Nat'l Bank in Shreveport v. Scott, 398 So. 2d 1127 (La. 1981). “” Also, as pointed out by plaintiff, R.S. 9:3512, the general provision on what is excluded from coverage under this Legislation, provides in pertinent part: *1129 “This law does not apply to .”
Louisiana Indep. Auto Dealers Ass'n v. State, 295 So. 2d 796 (La. 1974). “…transactions made pursuant to The Motor Vehicle Sales Finance Act" were excluded from coverage of Section 1. See La. R.S. 9:3512(4).”
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