Oklahoma Statutes

Okla. Stat. tit. 14A, § 1-202 (2026)

Exclusions

✓ current as of July 2026

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This act does not apply to (1) Extensions of credit to government or governmental agencies or instrumentalities; (2) The sale of insurance by an insurer, except as otherwise provided in the article on insurance (Article 4);

(3) Transactions under public utility or common carrier tariffs if a subdivision or agency of this state or of the United States regulates the charges for the services involved, the charges for delayed payment and any discount allowed for early payment; (4) Pawnbrokers engaging in pawn transactions as defined in the Oklahoma Pawnshop Act; or (5) Loans made to enable the debtor to build or purchase a residence or to refinance such loan when made by a lender whose loans are supervised by an agency of the United States or made by a Federal Housing Administration approved mortgagee unless the loan is made subject to this act by agreement (Section 3-601), and except as provided with respect to disclosure (Section 3-301), debtors' remedies (Section 5-201) and loan finance charges for other loans (Section 3-605). Added by Laws 1969, c. 352, § 1-202, eff. July 1, 1969. Amended by Laws 1972, c. 255, § 13; Laws 1980, c. 122, § 1, emerg. eff. April 15, 1980; Laws 1982, c. 335, § 2, operative June 1, 1982.

Notes of Decisions

Cited in 4 cases, 1984–2014 · leading case: Wagoner v. Bennett, 814 P.2d 476 (Okla. 1991).

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Wagoner v. Bennett, 814 P.2d 476 (Okla. 1991). · cites it 2× “See 14A O.S. 1981 § 1-202. This legislation has withstood constitutional attack under the Due Process and Commerce Clauses of the Federal Constitution.”

Phillip T. Rea & Judy Rea v. Wichita Mortg. Corp. & Wichita Falls Sav. Ass'n, Defendants, 747 F.2d 567 (10th Cir. 1984). · cites it 2× “They rely on an amendment to Okla.Stat. tit. 14A, § 1-202, which delineates the exclusions from the UCCC.”

Roger F. Holt v. West Virginia Am. Water Co. (W. Va. 2014). “”); Okla. Stat. Ann. tit. 14A, § 1-202(3) (West 1982) (“This act does not apply to .”

Holt v. West Virginia-Am. Water Co., 760 S.E.2d 502 (W. Va. 2014). “”); Okla. Stat. Ann. tit. 14A, § 1-202(3) (West 1982) ("This act does not apply to .”

— Okla. Stat. tit. 14A, § 1-202(3) — 2 cases

Roger F. Holt v. West Virginia Am. Water Co. (W. Va. 2014). “”); Okla. Stat. Ann. tit. 14A, § 1-202(3) (West 1982) (“This act does not apply to .”

Holt v. West Virginia-Am. Water Co., 760 S.E.2d 502 (W. Va. 2014). “”); Okla. Stat. Ann. tit. 14A, § 1-202(3) (West 1982) ("This act does not apply to .”

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