Tennessee Code Annotated
Tenn. Code Ann. § 45-15-101 (2026)
Short title
✓ current as of May 2026
This chapter shall be known and may be cited as the "Tennessee Title Pledge Act."
Acts 1995, ch. 186, § 13.
Notes of Decisions
Cited in 11
cases (2 in the last 5 years), 2001–2022 · leading case: Brown v. Tennessee Title Loans, Inc., 328 S.W.3d 850 (Tenn. 2010).
Brown v. Tennessee Title Loans, Inc., 328 S.W.3d 850 (Tenn. 2010). “We granted this interlocutory appeal to answer a single question of first impression: whether the Tennessee Title Pledge Act, Tenn.Code Ann. §§ 45-15-101 to -120 (2000), permits a private right of action on behalf of pledgors against title pledge lenders who allegedly charged…”
Brown v. Tennessee Title Loans, Inc., 216 S.W.3d 780 (Tenn. Ct. App. 2006). “The plaintiffs asserted various claims, including a violation of the Tennessee Title Pledge Act, Tenn.Code Ann. § 45-15-101, et seq., and the Tennessee Consumer Protection Act, TenmCode Ann.”
Hamilton Cnty. Emergency Commc'ns Dist. v. BellSouth Telecomm. LLC, 852 F.3d 521 (6th Cir. 2017). “The Tennessee Title Pledge Act, T.C.A. § 45-15-101 et seq., governs "title pledge transactions,” in which a borrower secures a short-term loan in exchange for a security interest in the title to his or her motor vehicle.”
Damon Holland v. Brian Sullivan (2017). “The defendants appealed contending the trial court erred in failing to consider their affirmative defenses and in failing to hold that the Tennessee Title Pledge Act, Tenn. Code Ann. §§ 45-15-101 to - 120 barred any recovery.”
Bandy v. Roberts (E.D. Tenn. 2022). “05-111 (July 12, 2005) (defining “title pawn” transactions by the terms of Tenn. Code Ann. § 45-15-101 , et seq., governing “title Roberts’s post-litigation version of these events differs sharply with his contemporaneous notes and his characterizations of the deal to Bandy.”
Kim Hardy v. Tournament Players Club at Southwind, Inc. d/b/a \TPC Southwind\" - DISSENT" (Tenn. Ct. App. 2015). “The question presented to the supreme court in that case was “whether the Tennessee Title Pledge Act, Tenn. Code Ann. §§ 45-15-101 to 120 (2000), permits a private right of action on behalf of pledgors against title pledge lenders who allegedly charged excessive interest and…”
Hubert Morrison v. The City of Bolivar (Tenn. Ct. App. 2012). “2010), our Supreme Court found that the legislature did not expressly create a right of action, nor did it imply such a right permitting pledgors to bring private actions against title pledge lenders who allegedly charged excessive interest and fees under the Tennessee Title…”
Joy Mcvey Porter v. Money Tree Fin. Corp. Ii (Tenn. Ct. App. 2001). “Porter and Money Tree entered into a title pledge agreement (“the agreement”), a contract governed by the Tennessee Title Pledge Act, T.C.A. § 45-15-101, et seq. (2000), pursuant to which Money Tree loaned Porter $500.”
Roane Cty. Emer. Commc'ns v. BellSouth (6th Cir. 2017). “7 The Tennessee Title Pledge Act, T.C.A. § 45-15-101 et seq., governs “title pledge transactions,” in which a borrower secures a short-term loan in exchange for a security interest in the title to his or her motor vehicle.”
Affordable Constr. Servs., Inc. v. Auto-Owners Ins. Co. (Tenn. 2021). “In Brown, the plaintiffs filed a putative class action lawsuit against a title pledge lender under the Tennessee Title Pledge Act, Tennessee Code Annotated sections 45-15-101 to -120. 328 S.W.3d at 853 .”
Kim Hardy v. Tournament Players Club at Southwind, Inc. d/b/a \TPC Southwind\"" (Tenn. Ct. App. 2015). “In Brown, the Tennessee Supreme Court considered whether the Tennessee Title Pledge Act codified at Tennessee Code Annotated §§ 45-15-101 to 120, permits a private cause of action against title pledge lenders.”
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