May not to exceed 17.5 percent of the amount advanced.

May accept a check with a face amount of at least $50 but not more than $500.

A licensee shall not directly or indirectly charge any fee or other consideration for accepting a check for deferred presentment or deposit that is more than 15 per cent of the face amount of the check for any initial transaction or any extension.

A fee not in excess of 10 percent of the face amount of any personal check or money order and, an additional fee not to exceed $10.

Civil Code 1789.30 et seq.

Financial Code 23000 et seq.
Operative 12/31/04

A fee for a deferred deposit transaction shall not exceed 15 percent of the face amount of the check.

A lender shall not lend an amount greater than $500 nor shall the amount financed exceed $500 at any time to a consumer.

No instrument held as a result of a deferred deposit loan shall exceed $575. May not exceed 20 percent of the first $300 loaned plus seven and one-half percent of any amount loaned in excess of $300.

5 Del. C. §978
5 Del. C. §2235A

The minimum face amount of a check held for deferred deposit must amount to no less than $50. The aggregate face amount of checks being held for deferred deposit must not exceed $1,000 per customer.

May charge an additional fee for verification, handling, and documentation processing totaling no more than $5 on a personal check with a face amount of up to $250; no more than $10 on a personal check with a face amount of $250.01 to $500; no more than $15 on a personal check with a face amount of $500.01 to $750; and no more than $20 on a personal check with a face amount of $750.01 to $1,000.

No deferred presentment provider or its affiliate shall charge fees in excess of 10 percent of the currency or payment instrument provided. However, a verification fee may be charged.

A check casher may charge a fee for deferred deposit of a personal check in an amount not to exceed 15 percent of the face amount of the check.

$1,000 or 25 percent of the consumer's gross monthly income, whichever is less

No lender may charge more than $15.50 per $100 loaned on any payday loan over the term of the loan. 

At least $50 and not more than $500

Finance charges on the first $250 of a small loan are limited to 15 percent of the principal. Finance charges on the amount of a small loan greater than $250 and less than or equal to $400 are limited to 13 percent of the amount over $250 and less than $400.  Finance charges on the amount of the small loan greater than $400 and less than or equal to $500 are limited to 10 percent of the amount over $400 and less than $500.

A licensee shall not hold from any one maker a check or checks in an aggregate face amount of more than $500 at any one time.

A licensee shall not charge a fee in excess of $15 on the first $100 on the face amount of a check or more than $10 on subsequent $100 increments on the face amount of the check for services provided by the licensee, or pro rata for any portion of $100 face value.

(i) On any amount up to and including $50, a charge of $5.50 may be added; (ii) on amounts in excess of $50, but not more than $100, a charge may be added equal to 10 percent of the loan proceeds plus a $5 administrative fee; (iii) on amounts in excess of $100, but not more than $250 a charge may be added equal to seven percent of the loan proceeds with a minimum of $10 plus a $5 administrative fee; (iv) for amounts in excess of $250 and not greater than the maximum defined in this section, a charge may be added equal to six percent of the loan proceeds with a minimum of $17.50 plus a $5 administrative fee. The contract rate of any loan made under this section shall not be more than three percent per month of the loan proceeds after the maturity date.

A licensee shall not charge a service fee in excess of $15 per $100 on the face amount of the deferred deposit check. A licensee shall prorate any fee, based upon the maximum fee of $15.

A licensee may charge a fee not to exceed 16 and 75/100 percent of the face amount of the check issued.

(i) On any amount up to and including $50, a charge of $5.50 may be added; (ii) on amounts in excess of $50, but not more than $100, a charge may be added equal to ten percent of the loan proceeds plus a $5 administrative fee; (iii) on amounts in excess of $100, but not more than $250, a charge may be added equal to seven percent of the loan proceeds with a minimum of $10 plus a $5 administrative fee; (iv) for amounts in excess of $250 and not greater than $350, a charge may be added equal to six percent of the loan proceeds with a minimum of $17.50 plus a $5 administrative fee. After maturity, the contract rate must not exceed 2.75 percent per month of the remaining loan proceeds after the maturity date calculated at a rate of 1/30 of the monthly rate in the contract for each calendar day the balance is outstanding.

A licensee shall not directly or indirectly charge any fee or other consideration for cashing a delayed deposit check in excess of 18 percent of the face amount of the check.

Any person, firm, or corporation may charge, contract for and receive interest on the unpaid principal balance at rates agreed to by the parties. No borrower shall be required to pay a total amount of accumulated interest and fees in excess of 75 percent of the initial loan amount on any single loan.

The minimum amount of a deferred deposit loan is $50 and the amount, exclusive of fees allowed, may not exceed $300.

A licensee may not charge a fee for each deferred deposit loan entered into with a consumer that exceeds 25 percent of the principal amount of the deferred deposit loan that is advanced or, in the case of an electronic transaction, 25 percent of the principal amount of the deferred deposit loan.

No licensee shall at any one time hold from any one maker a check or checks in an aggregate face amount of more than $500.

No licensee shall charge as a fee a total amount in excess of $15 per $100 or pro rata for any part thereof on the face amount of a check for services provided by licensee.

A licensee shall not make a deferred deposit loan that exceeds 25 percent of the expected gross monthly income of the customer when the loan is made.

Payday loans shall incur interest only. No other charges or fees shall apply to or be collected on payday loans.

A licensee may charge a fee for the deferred presentment service, not to exceed 20 percent of the amount paid to the customer by the licensee. This fee may not be deemed interest for any purpose of law.

A check-cashing business may contract for and receive interest at a rate of five percent per month or fraction of a month on the unpaid principal. Loan origination fees not exceeding an amount equal to five dollars per $50 of the amount of the loan.

A deferred deposit lender may charge a finance charge for each deferred deposit loan that does not exceed $15 for every $100 advanced up to the first 300 of the amount advanced; for the advance amounts in excess of $300, the lender may charge an additional finance charge of $10 for every $100 advanced in excess of $300.

A licensee may not charge in excess of 15 percent of the face amount of the funds advanced.

A licensee shall not charge, directly or indirectly, a fee or other consideration in excess of 15 percent of the face amount of the check.

A licensee may charge, as a fee for each loan, an amount not to exceed 15 percent of the amount of the loan proceeds advanced to the borrower.

A licensee may charge interest or fees for small loans not to exceed in the aggregate 15 percent of the first $500 of principal. If the principal exceeds $500, a licensee may charge interest or fees not to exceed in the aggregate 10 percent of that portion of the principal in excess of $500.

No post-dated check finance charge shall exceed the greater of $30 or 20 percent per month on the principal balance of the post-dated check or similar arrangement.