Okla. Stat. tit. 14A, § 14A-3-301

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

loan includes a loan secured primarily by an interest in land

without regard to the rate of the loan finance charge if the loan is

otherwise a consumer loan as defined by Section 3-104 of this title;

a loan in which the debt is secured by 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 loan is otherwise a

consumer loan; and loan transactions in which any card issuer

extends credit that is not subject to a finance charge and that is

not payable by written agreement in four or more installments.

(2) The lender shall disclose to the debtor to whom credit is

extended with respect to a consumer loan the information required by

Oklahoma Statutes - Title 14A. Consumer Credit Code Page 97

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 loans which are 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 lender under this part.

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

revolving loan account plan described in Section 3-309.2 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 3-309.2 of this title with respect to

such plan, in accordance with subsection (9) of

Section 3-302 of this title; and

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

Section 3-309.2 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 3-309.2 of this title with

respect to the application.

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

issuer", "applicant", "card holder", "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.

(7) The fact a charge or fee or a practice is mentioned in this

part does not itself serve to authorize it or to remove any

limitation in this title applicable to it.