Okla. Stat. tit. 14A, § 14A-2-301

(1) For purposes of this part, this part covers and consumer

credit sale includes the sale of an interest in land without regard

to the rate of the credit service charge if the sale is otherwise a

consumer credit sale as defined by Section 2-104 of this title; a

sale of personal property in which a security interest is or will be

acquired which is used or expected to be used as the principal

dwelling of the consumer without regard to the amount of the amount

financed if the sale is otherwise a consumer credit sale; and credit

transactions in which any card issuer extends credit that is not

Oklahoma Statutes - Title 14A. Consumer Credit Code Page 38

subject to a finance charge and that is not payable by written

agreement in four or more installments.

(2) The seller or lessor shall disclose to the buyer to whom

credit is extended or lessee with respect to a consumer credit sale

or consumer lease the information required by either this part or

the Federal Consumer Credit Protection Act, and compliance with

either is sufficient.

(3) For the purposes of subsection (2), information which would

otherwise be required pursuant to the Federal Consumer Credit

Protection Act is sufficient even though the transaction is one of a

class of credit transactions exempted from that act pursuant to

regulation of the Board of Governors of the Federal Reserve System.

(4) A person who regularly arranges for the extension of

consumer sales credit which is payable in four or more installments

or for which the payment of a finance charge is or may be required

from persons who are not subject to disclosure duties shall make the

disclosures required of a seller under this part.

(5) In the case of an application to open an account under any

revolving charge account plan described in Section 2-310.2 of this

title which is provided to a consumer by any person other than the

creditor:

(a) such person shall provide such consumer with:

(i) the disclosures required under subsection (1) of

Section 2-310.2 of this title with respect to

such plan, in accordance with subsection (9) of

Section 2-302 of this title; and

(ii) the pamphlet required under subsection (3) of

Section 2-310.2 of this title; or

(b) if such person cannot provide specific terms about the

plan because specific information about the plan terms

is not available, no nonrefundable fee may be imposed

in connection with such application before the end of

the three-day period beginning on the date the

consumer receives the disclosures required under

subsection (1) of Section 2-310.2 with respect to the

application.

(6) For purposes of this part, the terms "creditor", "card

issuer", "applicant", "cardholder", "dwelling" and "consumer" have

the same meanings those terms have in the Federal Consumer Credit

Protection Act, as limited by the subject matter of this article.

References in this part to "interest" are not limited to the

definition of that term in Section 264A of Title 15 of the Oklahoma

Statutes but are to be construed in context consistently with the

meaning of that term in regulations under the Federal Consumer

Credit Protection Act.

(7) The fact a charge or fee or a credit plan or a practice is

mentioned in this part does not itself serve to authorize it, to

Oklahoma Statutes - Title 14A. Consumer Credit Code Page 39

remove any limitation in this title applicable to it, or to extend

the applicability of this article to it if this article would not

otherwise apply.