Okla. Stat. tit. 14A, § 14A-1-201

(1) Except as otherwise provided in this section, the Uniform

Consumer Credit Code applies to sales, leases, and loans made in

this state and to modifications, including refinancings,

consolidations, and deferrals, made in this state, of sales, leases,

and loans, wherever made. For purposes of the Uniform Consumer

Credit Code:

(a) a sale or modification of a sale agreement is made in

this state if the buyer's agreement or offer to

purchase or to modify is received by the seller in

this state,

(b) a lease or modification of a lease agreement is made

in this state if the lessee's agreement or offer to

lease or to modify is received by the lessor in this

state, and

(c) a loan or modification of a loan agreement is made in

this state if a writing signed by the debtor and

evidencing the debt is received by the lender in this

state.

(2) With respect to sales made pursuant to a revolving charge

account (Section 2-108), the Uniform Consumer Credit Code applies if

the buyer's communication or indication of his intention to

establish the account is received by the seller in this state. If

no communication or indication of intention is given by the buyer

before the first sale, the Uniform Consumer Credit Code applies if

the seller's communication notifying the buyer of the privilege of

using the account is mailed or personally delivered in this state.

(3) With respect to loans made pursuant to a lender credit card

or similar arrangement (subsection (9) of Section 1-301), the

Uniform Consumer Credit Code applies if the debtor's communication

or indication of his intention to establish the arrangement with the

lender is received by the lender in this state. If no communication

or indication of intention is given by the debtor before the first

loan, the Uniform Consumer Credit Code applies if the lender's

communication notifying the debtor of the privilege of using the

arrangement is mailed or personally delivered in this state.

(4) The part on limitations on creditors' remedies (Part 1) of

the article on remedies and penalties (Article 5) applies to actions

or other proceedings brought in this state to enforce rights arising

from consumer credit sales, consumer leases, consumer loans, or

extortionate extensions of credit, wherever made.

Oklahoma Statutes - Title 14A. Consumer Credit Code Page 11

(5) If a consumer credit sale, consumer lease, or consumer

loan, or modification thereof, is made in another state to a person

who is a resident of this state when the sale, lease, loan, or

modification is made, the following provisions apply as though the

transaction occurred in this state:

(a) a seller, lessor, lender, or assignee of his rights,

may not collect charges through actions or other

proceedings in excess of those permitted by the

article on credit sales (Article 2) or by the article

on loans (Article 3), and
a resident of this state when the sale, lease, loan, or

modification is made, the following provisions apply as though the

transaction occurred in this state:

(a) a seller, lessor, lender, or assignee of his rights,

may not collect charges through actions or other

proceedings in excess of those permitted by the

article on credit sales (Article 2) or by the article

on loans (Article 3), and

(b) a seller, lessor, lender, or assignee of his rights,

may not enforce rights against the buyer, lessee, or

debtor, with respect to the provisions of agreements

which violate the provisions on limitations on

agreements and practices (Part 4) of the article on

credit sales (Article 2) or of the article on loans

(Article 3).

(6) Except as provided in subsection (4), a sale, lease, loan,

or modification thereof, made in another state to a person who was

not a resident of this state when the sale, lease, loan, or

modification was made is valid and enforceable in this state

according to its terms to the extent that it is valid and

enforceable under the laws of the state applicable to the

transaction.

(7) For the purposes of the Uniform Consumer Credit Code, the

residence of a buyer, lessee, or debtor, is the address given by the

person as his or her residence in any writing signed by such person

in connection with a credit transaction. Until such person notifies

the creditor of a new or different address, the given address is

presumed to be unchanged.

(8) Notwithstanding other provisions of this section:

(a) except as provided in subsection (4), the Uniform

Consumer Credit Code does not apply if the buyer,

lessee, or debtor is not a resident of this state at

the time of a credit transaction and the parties then

agree that the law of his or her residence applies,

and

(b) the Uniform Consumer Credit Code applies if the buyer,

lessee, or debtor is a resident of this state at the

time of a credit transaction and the parties then

agree that the law of this state applies.

(9) Except as provided in subsection (8), the following

agreements by a buyer, lessee, or debtor are invalid with respect to

consumer credit sales, consumer leases, consumer loans, or

modifications thereof, to which the Uniform Consumer Credit Code

applies:

(a) that the law of another state shall apply,

Oklahoma Statutes - Title 14A. Consumer Credit Code Page 12

(b) that the buyer, lessee, or debtor consents to the

jurisdiction of another state, and

(c) that fixes venue.

(10) The following provisions of the Uniform Consumer Credit

Code specify the applicable law governing certain cases:

(a) applicability (Section 6-102) of the part on powers

and functions of administrator (Part 1) of the article

on administration (Article 6), and

(b) applicability (Section 6-201) of the part on

notification and fees (Part 2) of the article on

administration (Article 6).

(11) Notwithstanding other provisions of this section, the

Uniform Consumer Credit Code applies to sales, leases and loans,

including modifications, refinancing, consolidations and deferrals

thereof, entered into between a resident of this state while in this

state, and a seller, lessor, lender or assignee of a seller, lessor

or lender via the Internet or any other electronic means.