Nonpayment on account - Collection practices

A. A lender shall collect past-due accounts in a professional, fair and lawful manner, in accordance with the federal Fair Debt Collection Practices Act. B. A lender shall not threaten or pursue criminal action against a debtor as a result of the debtor’s instrument being returned unpaid or the debtor’s deferred deposit loan account not being paid. C. A debtor shall not be subject to any criminal penalty if an instrument is dishonored.