Mo. Rev. Stat. » Chapter 408
Missouri Revised Statutes

Mo. Rev. Stat. § 408.236 (2026)

Recovery of interest barred, when, exceptions

✓ current as of May 2026
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  408.236.  Recovery of interest barred, when, exceptions — actions taken or omitted in reliance on interpretation by division of finance, effect. — Any person violating the provisions of sections 408.231 to 408.241 shall be barred from recovery of any interest on the contract, except where such violations occurred either:

  (1)  As a result of an accidental and bona fide error of computation; or

  (2)  As a result of any acts done or omitted in reliance on a written interpretation of the provisions of sections 408.231 to 408.241 by the division of finance.

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(L. 1979 S.B. 305, A.L. 1988 H.B. 1355, A.L. 1994 H.B. 1312 merged with S.B. 718)

Notes of Decisions
Cited in 6 cases, 1984–2014 · leading case: Mitchell v. Residential Funding Corp., 334 S.W.3d 477 (Mo. Ct. App. 2011).
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Mitchell v. Residential Funding Corp., 334 S.W.3d 477 (Mo. Ct. App. 2011). · cites it 16× “Section 408.236 provides that “[a]ny person violating the provisions of sections 408.”
Michael D. v. GMAC Mortg., LLC, 763 F. Supp. 2d 1091 (W.D. Mo. 2011). · cites it 17× “Mo.Rev.Stat. § 408.236 (2005) (emphasis added).”
Wong v. Bann-Cor Mortg., 878 F. Supp. 2d 989 (W.D. Mo. 2012). · cites it 7× “§ 408.236 and/or § 408.562. On March 25, 2008, Judge John M.”
U.S. Life Title Ins. Co. v. Brents, 676 S.W.2d 839 (Mo. Ct. App. 1984). · cites it 2× “” § 408.236, RSMo Supp.1984 (Emphasis supplied.”
Jerry Washington v. Countrywide Home Loans, Inc., 747 F.3d 955 (8th Cir. 2014). “” § 408.236 RSMo. The Washingtons correctly interpret these sections to mean that an MSMLA violation occurred each time Countrywide “charged” or “received” a monthly payment.”
Wong v. Mortg., 918 F. Supp. 2d 941 (W.D. Mo. 2013). · cites it 4× “§ 408.236 and/or § 408.562. In 2006, the Missouri Court of Appeals found that the six-year statute of limitations period provided for in R.”
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