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

Mo. Rev. Stat. § 408.551 (2026)

Applicability of sections 408.551 to 408.562

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  408.551.  Applicability of sections 408.551 to 408.562 — credit transaction defined. — Sections 408.551 to 408.562 shall apply to any credit transaction made primarily for personal, family or household purposes pursuant to sections 365.010 to 365.160 and sections 408.100 to 408.370.  For the purposes of this section, unless the context requires otherwise, "credit transaction" shall mean any retail installment transaction as defined by section 365.020 or any loan subject to section 408.100 or any second mortgage loan as defined by section 408.231 or any retail time transaction as defined in section 408.250.

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(L. 1979 S.B. 305, A.L. 1984 H.B. 1170, A.L. 1998 S.B. 792)

Notes of Decisions
Cited in 7 cases, 1984–2018 · leading case: Lankheit v. Est. of Scherer, 811 S.W.2d 853 (Mo. Ct. App. 1991).
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Lankheit v. Est. of Scherer, 811 S.W.2d 853 (Mo. Ct. App. 1991). · cites it 7× “250, it is submitted that Section 408.551, and, therefore, Section 408.”
Fielder v. Credit Acceptance Corp., 19 F. Supp. 2d 966 (W.D. Mo. 1998). · cites it 4× “145 provides that section 408.551 to 408.562 shall apply to any retail installment transaction made pursuant to sections 365.”
Minton v. Hill, 944 S.W.2d 250 (Mo. Ct. App. 1997). · cites it 5× “562 provides that any person who suffers any loss of money or property as a result of a violation of 408.”
In re Schmidt, 397 B.R. 481 (Bankr. W.D. Mo. 2008). · cites it 2× “Mo.Rev.Stat. § 408.551. 18 . Cf. In re Gerling, 175 B.”
Stenger v. Great S. Sav. & Loan Ass'n, 677 S.W.2d 376 (Mo. Ct. App. 1984). “The statute cited was in effect at all times relevant to the present case. 4 .Section 408.552, enacted in 1979, applies to certain small loans, retail credit transactions and to second mortgages on residential real estate.”
Mo. Credit Union v. Diaz, 545 S.W.3d 856 (Mo. Ct. App. 2018). · cites it 2× “Section 408.551 specifies that "[s]ections 408.”
City of Bridgeton v. Titlemax of Missouri, Inc., 292 S.W.3d 530 (Mo. Ct. App. 2009). “510 provided that consumer installment lenders were subject to the provisions of sections 408.551 to 408.562. The Bridgeton Zoning Ordinance was not subsequently amended to redefine “loan office.”
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