Louisiana Revised Statutes & Codes

La. Rev. Stat. § 9:3529 (2026)

The parties in a consumer credit transaction may contract for an additional charge to be assessed against the consumer's account if the consumer tenders a check or makes an electronic debit in payment on such account and such check or electronic debit is returned from any bank, savings and loan association, thrift institution, or credit union or any other organization or institution authorized by the state of Louisiana or the United States to issue checks, drafts, or similar negotiable instruments or payments by electronic means, due to insufficient credit or funds in the account for payment of such check or electronic payment in full upon its presentation, or due to account closure, stop payment, drawn on uncollected funds, or any other reason for which the instrument or electronic payment is not paid. The additional charge shall not exceed twenty-five dollars or five percent of the amount of the check or electronic payment, whichever is greater. The charge shall be in addition to any delinquency charge assessed under the provisions of R.S. 9:3527. For the purposes of this Section, the phrase "due to insufficient credit or funds" means a check or electronic payment returned unpaid for any reason.

✓ current as of May 2026

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§3529. Installment of consumer credit transaction returned; additional charge to account

The parties in a consumer credit transaction may contract for an additional charge to be assessed against the consumer's account if the consumer tenders a check or makes an electronic debit in payment on such account and such check or electronic debit is returned from any bank, savings and loan association, thrift institution, or credit union or any other organization or institution authorized by the state of Louisiana or the United States to issue checks, drafts, or similar negotiable instruments or payments by electronic means, due to insufficient credit or funds in the account for payment of such check or electronic payment in full upon its presentation, or due to account closure, stop payment, drawn on uncollected funds, or any other reason for which the instrument or electronic payment is not paid. The additional charge shall not exceed twenty-five dollars or five percent of the amount of the check or electronic payment, whichever is greater. The charge shall be in addition to any delinquency charge assessed under the provisions of R.S. 9:3527. For the purposes of this Section, the phrase "due to insufficient credit or funds" means a check or electronic payment returned unpaid for any reason.

Added by Acts 1981, No. 473, §1; Acts 1999, No. 690, §1; Acts 2004, No. 65, §2; Acts 2005, No. 132, §1; Acts 2008, No. 476, §2.

Notes of Decisions

Cited in 6 cases, 1974–1984 · leading case: Williams v. Bill Watson Ford, Inc., 423 F. Supp. 345 (E.D. La. 1976).

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Williams v. Bill Watson Ford, Inc., 423 F. Supp. 345 (E.D. La. 1976). · cites it 7× “R.S. 9:3529. In isolation, that provision supports the Burley reading.”

Aetna Fin. Co. of Baton Rouge v. Perkins, 448 So. 2d 121 (La. Ct. App. 1984). “R.S. 9:3529 of the Louisiana Consumer Credit Law requires that if the maturity of a consumer credit transaction is accelerated for any reason and suit is filed the borrower shall be credited with the same rebate as if prepayment in full had been made on the date of filing suit.”

Louisiana Indep. Auto Dealers Ass'n v. State, 295 So. 2d 796 (La. 1974). “6:969 to exempt from the operation of the act "Retail Installment Contracts wherein the retail seller is a factory franchised new motor vehicle dealer.”

Richard L. Gallois, Jr. v. Com. Sec. Co., Inc., 661 F.2d 901 (5th Cir. 1981). “R.S. 9:3529 (West Supp. 1980) II. Next, it is contended that the court by its January 1979 order erred in refusing to hear Gallois’ newly raised argument that Commercial failed to disclose on the front of the agreement that it had a security interest based on the fact that…”

Enoch Stewart & Darrel Ann Stewart v. Abraham Lincoln Mercury, Inc., 698 F.2d 1289 (5th Cir. 1983). “R.S. 9:3529 (West Supp.1980). 661 F.2d at 903 .”

Evangeline Bank & Trust Co. v. Guillory, 364 So. 2d 220 (La. Ct. App. 1978). “LSA-R.S. 9:3529 provides in pertinent part: “.”

Annotations are extracted automatically from the opinions in the Syfert caselaw corpus and ranked by authority, recency, and treatment. Dots show Syfertize treatment of the citing case itself.