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Missouri Revised Statutes

Mo. Rev. Stat. § 408.552 (2026)

Enforceability of default provisions

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  408.552.  Enforceability of default provisions. — An agreement of the parties to a credit transaction concerning default by the borrower is enforceable only to the extent that:

  (1)  The borrower fails to make a payment as required by agreement; or

  (2)  The lender's prospect of payment, performance, or ability to realize upon the collateral is significantly impaired; the burden of establishing significant impairment is on the lender.

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(L. 1979 S.B. 305)

Notes of Decisions
Cited in 3 cases, 1984–2013 · leading case: Stenger v. Great S. Sav. & Loan Ass'n, 677 S.W.2d 376 (Mo. Ct. App. 1984).
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Stenger v. Great S. Sav. & Loan Ass'n, 677 S.W.2d 376 (Mo. Ct. App. 1984). · cites it 5× “259 is unconstitutional, but that, in any event, § 408.552 more accurately expresses our public policy.”
In re Schmidt, 397 B.R. 481 (Bankr. W.D. Mo. 2008). · cites it 2× “Mo.Rev.Stat. § 408.552 provides in relevant part that an agreement to a credit transaction concerning default is enforceable only to the extent that there is either a payment default or the "lender's prospect of payment, performance, or ability to realize upon the collateral is…”
In re Henderson, 492 B.R. 537 (Bankr. D. Nev. 2013). “255B, § 20B(a) (2012); Mo.Rev.Stat. § 408.552 (2012); Neb.Rev.Stat.”
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