Change 1 Article Choose an article 40-1-101. Definitions. 40-1-102. Marks which cannot be registered. 40-1-103. Application for registration; filing fee. 40-1-104. Examination of application; amendment of application. 40-1-105. Term of registration; renewals. 40-1-106. Assignment of marks and registration; change of name. 40-1-107. Public record of marks. 40-1-108. Cancellation of registration. 40-1-109. Classification of marks. 40-1-110. False or fraudulent representations or declarations; liability for damages sustained. 40-1-111. Civil liability. 40-1-112. Remedies. 40-1-113. Marks acquired at common law. 40-1-114. Inapplicable to livestock brands, marks or tags. 40-1-115. Injury to business reputation; dilution. 40-1-116. Powers of secretary of state; filing and other fees. 40-1-201. Definitions. 40-1-202. Bad faith assertion of patent infringement; prohibited; factors to determine bad faith. 40-1-203. Private right of action. 40-1-204. Enforcement. 40-1-205. Exceptions. 40-2-101. Definitions. 40-2-102. Registrability. 40-2-103. Reservation. 40-2-104. Application for registration. 40-2-105. Duration and renewal. 40-2-106. Assignment. 40-2-107. Cancellation. 40-2-108. Fraudulent registration. 40-2-109. Common-law rights. 40-2-110. Powers. 40-2-111. Refusal to file documents. 40-3-101. Short title. 40-3-102. Definitions. 40-3-103. Endless chains and referral sales prohibited. 40-3-104. Prohibitions and requirements. 40-3-105. Restrictions on marketing programs. 40-3-106. Additional restrictions in marketing programs. 40-3-107. Representations of prospective income restricted. 40-3-108. Licensed activities excluded. 40-3-109. Notice of activity and consent to service of process. 40-3-110. Secretary of state agent for service of process for violations. 40-3-111. Investigatory powers. 40-3-112. Service of process. 40-3-113. Venue of action for injunctive relief. 40-3-114. Injunctive relief against violations; remedy not exclusive. 40-3-115. Civil penalty for violating injunction. 40-3-116. Acceptance of assurance of voluntary compliance authorized. 40-3-117. Jurisdiction retained by court. 40-3-118. Additional relief authorized; appointment of receiver. 40-3-119. Receiver's power to acquire and dispose of property. 40-3-120. Civil penalty for willful violation; willful violation defined. 40-3-121. Property acquisition and disposition remedy available in action for private remedy. 40-3-122. Penalties for violations; other criminal remedies unimpaired. 40-3-123. Limitation of actions. 40-3-124. Causes of action under other law unimpaired. 40-3-125. Severability of provisions. 40-4-101. What constitutes unfair discrimination; penalty; exceptions; definitions. 40-4-102. Repealed by Laws 2021, ch. 77, § 3. 40-4-103. Repealed by Laws 2021, ch. 77, § 3. 40-4-104. Criminal enforcement and penalties. 40-4-105. Cumulative remedies. 40-4-106. Repealed By Laws 2009, Ch. 172, § 2. 40-4-107. Sale at less than cost prohibited; cost defined. 40-4-108. Repealed By Laws 2009, Ch. 172, § 2. 40-4-109. Proof of intent; cost survey as evidence of cost. 40-4-110. Persons, agreements and transactions exempted from W.S. 40-4-107 and 40-4-109. 40-4-111. Repealed By Laws 2009, Ch. 172, § 2. 40-4-112. Repealed By Laws 2009, Ch. 172, § 2. 40-4-113. Repealed By Laws 2009, Ch. 172, § 2. 40-4-114. Enjoining violations; recovery of damages. 40-4-114.1. Civil investigations by the attorney general. 40-4-114.2. Civil enforcement by the attorney general. 40-4-115. Repealed By Laws 2009, Ch. 172, § 2. 40-4-116. Repealed By Laws 2009, Ch. 172, § 2. 40-4-117. Repealed By Laws 2009, Ch. 172, § 2. 40-4-118. Repealed By Laws 2009, Ch. 172, § 2. 40-4-119. Repealed By Laws 2009, Ch. 172, § 2. 40-4-120. Repealed By Laws 2009, Ch. 172, § 2. 40-4-121. Repealed By Laws 2009, Ch. 172, § 2. 40-4-122. Requiring construction of particular building to maintain agency or dealership. 40-4-123. Requiring purchase of accessories to maintain agency or dealership. 40-5-101. Repealed By Laws 1996, ch. 22, § 1. 40-5-102. Repealed By Laws 1996, ch. 22, § 1. 40-5-103. Repealed By Laws 1996, ch. 22, § 1. 40-5-104. Repealed By Laws 1996, ch. 22, § 1. 40-5-105. Repealed By Laws 1996, ch. 22, § 1. 40-5-106. Repealed By Laws 1996, ch. 22, § 1. 40-5-107. Repealed By Laws 1996, ch. 22, § 1. 40-5-108. Repealed By Laws 1996, ch. 22, § 1. 40-5-109. Repealed By Laws 1996, ch. 22, § 1. 40-5-110. Repealed By Laws 1996, ch. 22, § 1. 40-5-111. Repealed By Laws 1996, ch. 22, § 1. 40-5-112. Repealed By Laws 1996, ch. 22, § 1. 40-5-113. Repealed By Laws 1996, ch. 22, § 1. 40-5-114. Repealed By Laws 1996, ch. 22, § 1. 40-5-115. Repealed By Laws 1996, ch. 22, § 1. 40-5-116. Repealed By Laws 1996, ch. 22, § 1. 40-5-117. Repealed By Laws 1996, ch. 22, § 1. 40-6-101. Repealed By Laws 1996, ch. 23, § 1. 40-6-102. Repealed By Laws 1996 , ch. 23, § 1. 40-6-103. Repealed By Laws 1996 , ch. 23, § 1. 40-7-101. Products must conform to standards. 40-7-102. Definitions. 40-7-103. Board to promulgate standards. 40-7-104. Penalty for violations. 40-7-105. Enforcement. 40-7-106. Seizure and sale. 40-7-107. Analysis by state chemist; ASTM standards to apply. 40-7-108. Repealed By Laws 1985, ch. 134, § 2. 40-7-109. Exemption for retail dealer. 40-7-110. Antifreeze must be approved by state chemist. 40-7-111. Electronic transmittals. 40-8-101. Repealed By Laws 1985, ch. 134, § 2. 40-8-102. Repealed By Laws 1985, ch. 134, § 2. 40-8-103. Repealed By Laws 1985, ch. 134, § 2. 40-8-104. Repealed By Laws 1985, ch. 134, § 2. 40-8-105. Repealed By Laws 1985, ch. 134, § 2. 40-8-106. Repealed By Laws 1985, ch. 134, § 2. 40-9-101. Standard natural gas defined. 40-9-102. Factors to be considered in fixing rates. 40-9-103. Tests and report of state chemist upon complaint; use of results as evidence and in fixing rates. 40-9-104. Municipality may require test every 3 months. 40-9-105. Expense of tests charged to state university. 40-10-101. Repealed By Laws 1993, ch. 160, § 3. 40-10-102. Repealed By Laws 1993, ch. 160, § 3. 40-10-103. Repealed By Laws 1993, ch. 160, § 3. 40-10-104. Repealed By Laws 1993, ch. 160, § 3. 40-10-105. Repealed By Laws 1993, ch. 160, § 3. 40-10-106. Repealed By Laws 1993, ch. 160, § 3. 40-10-107. Repealed By Laws 1993, ch. 160, § 3. 40-10-108. Repealed By Laws 1993, ch. 160, § 3. 40-10-109. Repealed By Laws 1993, ch. 160, § 3. 40-10-110. Repealed By Laws 1993, ch. 160, § 3. 40-10-111. Repealed By Laws 1993, ch. 160, § 3. 40-10-112. Repealed By Laws 1993, ch. 160, § 3. 40-10-113. Repealed By Laws 1993, ch. 160, § 3. 40-10-114. Repealed By Laws 1993, ch. 160, § 3. 40-10-115. Repealed By Laws 1993, ch. 160, § 3. 40-10-116. Repealed By Laws 1993, ch. 160, § 3. 40-10-117. Definitions. 40-10-118. Recognized systems. 40-10-119. Physical standards. 40-10-120. Technical requirements for weighing and measuring devices. 40-10-121. Department of agriculture duties and powers. 40-10-122. Powers and duties of the director. 40-10-123. Special enforcement powers. 40-10-124. Powers and duties of local officials. 40-10-125. Misrepresentation of quantity or pricing. 40-10-126. Method of sale. 40-10-127. Sale of gasoline and distillates on other than gross volume basis unlawful; exception; "sale" defined. 40-10-128. Sale from bulk. 40-10-129. Information required on packages. 40-10-130. Declarations of unit price on random weight packages. 40-10-131. Advertising packages for sale. 40-10-132. Prohibited acts. 40-10-133. Criminal penalties. 40-10-134. Restraining order and injunction. 40-10-135. Presumptive evidence. 40-10-136. License required; fee. 40-11-101. Definitions. 40-11-102. Application by public corporation to establish 40-11-103. Application by private corporation to establish and operate. 40-11-104. Establishment and operation by corporation; conditions and restrictions. 40-11-105. Powers of public corporation to provide indemnity and deposit money with United States. 40-12-101. Short title. 40-12-102. Definitions. 40-12-103. Unsolicited merchandise. 40-12-104. Home solicitation sales. 40-12-105. Unlawful practices. 40-12-106. Restraining unlawful practices. 40-12-107. Assurances of voluntary compliance. 40-12-108. Private remedies. 40-12-109. Limitation of actions. 40-12-110. Exemptions. 40-12-111. Violations involving older persons or persons with disabilities; civil penalty. 40-12-112. Investigative powers of enforcing authority. 40-12-113. Civil penalties. 40-12-114. Effect on other remedies. 40-12-201. Definitions. 40-12-202. Written prize notice required. 40-12-203. Delivery and contents of written prize notices. 40-12-204. Sales presentations. 40-12-205. Prize award required; options if prize not available. 40-12-206. Penalties. 40-12-207. Enforcement. 40-12-208. Private action. 40-12-209. Exemptions. 40-12-301. Definitions. 40-12-302. Telephone solicitations. 40-12-303. Automated sales calls. 40-12-304. Investigation of complaints; enforcement; attorney's fees. 40-12-305. Notice of activity and consent to service of process. 40-12-401. Definitions. 40-12-402. Sending unpermitted or misleading electronic mail prohibited. 40-12-403. Investigation of complaints; enforcement; attorney's fees. 40-12-404. Immunity from liability for blocking of commercial electronic mail by interactive computer service. 40-12-501. Definitions. 40-12-502. Computer security breach; notice to affected persons. 40-12-503. Security freeze. 40-12-504. Permanent removal or temporary lift of security freeze; requirements and timing. 40-12-505. Exceptions. 40-12-506. Fees for security freeze. 40-12-507. Changes to information in a credit report subject to a security freeze. 40-12-508. Violations; penalties. 40-12-509. Factual declaration of innocence after identity theft. 40-12-601. Unauthorized use of arrest photographs; penalty. 40-12-701. Definitions. 40-12-702. Requirements for exterior storm damage repair solicitations and advertisements. 40-12-703. Disclosure requirements for exterior storm damage repair proposals. 40-12-704. Disclosure requirements for exterior storm damage repair contracts. 40-12-705. Exterior storm damage repair contracts; right to cancel; waiver. 40-12-706. Private remedies. 40-13-101. Short title. 40-13-102. Definitions. 40-13-103. Licensing requirements. 40-13-104. Discrimination prohibited. 40-13-105. Licenses and fees; choices. 40-13-106. Time for filing contracts and licenses; filing fee. 40-13-107. Blanket license fees. 40-13-108. Doing business defined; amenability to process; service on nonresidents. 40-13-109. Injunction. 40-13-110. Right to sue; limitation; damages. 40-13-111. Existing contracts not affected. 40-13-112. Special appearances deemed general. 40-13-113. Penalty for violations. 40-13-201. Definitions. 40-13-202. Prohibited acts. 40-13-203. Forfeiture and destruction. 40-13-204. Additional prohibited act; evidence. 40-13-205. Penalty. 40-13-206. Exceptions. 40-13-301. Definitions. 40-13-302. Information required to be provided regarding royalty contracts; contract requirements. 40-13-303. Restrictions. 40-13-304. Civil actions. 40-13-305. Applicability. 40-14-101. Short title. 40-14-102. Purposes; rules of construction. 40-14-103. Supplementary general principles of law applicable. 40-14-104. Construction against implicit repeal. 40-14-105. Severability. 40-14-106. Waiver; agreement to forego rights; settlement of claims; legal rate of interest; applicability. 40-14-107. Effect on powers of organizations. 40-14-120. Territorial application. 40-14-121. Exclusions. 40-14-140. General definitions. 40-14-141. Definition. 40-14-142. Index of definitions. 40-14-201. Short title. 40-14-202. Scope; license required. 40-14-203. Definitions. 40-14-204. Definition of "consumer credit sale." 40-14-205. Additional definitions. 40-14-206. Definition of "consumer lease". 40-14-207. Definition of "seller". 40-14-208. Definition of "revolving charge account". 40-14-209. Definition of "credit service charge". 40-14-210. Definition of "cash price". 40-14-211. Definition of "amount financed". 40-14-212. Credit service charge for consumer credit sales other than revolving charge accounts. 40-14-213. Additional charges. 40-14-214. Delinquency charges. 40-14-215. Deferral charges. 40-14-216. Credit service charge on refinancing. 40-14-217. Credit service charge on consolidation. 40-14-218. Credit service charge for revolving charge accounts. 40-14-219. Advances to perform covenants of buyer. 40-14-220. Right to prepay. 40-14-221. Rebate upon prepayment. 40-14-222. Applicability; information required. 40-14-223. Repealed by Laws 1982, ch. 61, § 2. 40-14-224. Repealed by Laws 1982, ch. 61, § 2. 40-14-225. Statement of rate. 40-14-226. Repealed by Laws 1982, ch. 61, § 2. 40-14-227. Repealed by Laws 1982, ch. 61, § 2. 40-14-228. Repealed by Laws 1982, ch. 61, § 2. 40-14-229. Repealed by Laws 1982, ch. 61, § 2. 40-14-230. Repealed by Laws 1982, ch. 61, § 2. 40-14-231. Repealed by Laws 1982, ch. 61, § 2. 40-14-232. Repealed by Laws 1982, ch. 61, § 2. 40-14-233. Repealed by Laws 1982, ch. 61, § 2. 40-14-234. Repealed by Laws 1982, ch. 61, § 2. 40-14-235. Scope; violations of federal Military Lending Act. 40-14-236. Use of multiple agreements. 40-14-237. Certain negotiable instruments prohibited. 40-14-238. When assignee not subject to defenses. 40-14-239. Balloon payments. 40-14-240. Restriction on liability in consumer lease. 40-14-241. Security in sales or leases. 40-14-242. Cross-collateral. 40-14-243. Debt secured by cross-collateral. 40-14-244. No assignment of earnings. 40-14-245. Referral sales. 40-14-246. Notice of assignment. 40-14-247. Attorney's fees. 40-14-248. Limitation on default charges. 40-14-249. Authorization to confess judgment prohibited. 40-14-250. Change in terms of revolving charge accounts. 40-14-251. Definition. 40-14-252. Buyer's right to cancel. 40-14-253. Form of agreement or offer; statement of 40-14-254. Restoration of down payment; retention of goods by buyer. 40-14-255. Duty of buyer; no compensation for services prior to cancellation; noncompliance by buyer. 40-14-256. Sales subject to provisions by agreement of parties. 40-14-257. Repealed by Laws 2021, ch. 14, § 3. 40-14-258. Repealed by Laws 2021, ch. 14, § 3. 40-14-259. Repealed by Laws 2021, ch. 14, § 3. 40-14-260. Repealed by Laws 2021, ch. 14, § 3. 40-14-261. Definitions; prohibited assignments; applicable provisions. 40-14-301. Short title. 40-14-302. Scope; license required. 40-14-303. Definitions. 40-14-304. Definition of "consumer loan"; interests in land. 40-14-305. Repealed by Laws 2021, ch. 14, § 3. 40-14-306. Definition of "loan". 40-14-307. Additional definitions. 40-14-308. Definition of "revolving loan account". 40-14-309. Definition of "loan finance charge". 40-14-310. Consumer loan finance charges. 40-14-311. Additional charges. 40-14-312. Delinquency charges. 40-14-313. Deferral charges. 40-14-314. Loan finance charge on refinancing. 40-14-315. Loan finance charge on consolidation. 40-14-316. Conversion to revolving loan account. 40-14-317. Advances to perform covenants of debtor. 40-14-318. Right to prepay. 40-14-319. Rebate upon prepayment. 40-14-320. Applicability; information required. 40-14-321. Repealed by Laws 1982, ch. 61, § 2. 40-14-322. Repealed by Laws 1982, ch. 61, § 2. 40-14-323. Statement of rate. 40-14-324. Repealed by Laws 1982, ch. 61, § 2. 40-14-325. Repealed by Laws 1982, ch. 61, § 2. 40-14-326. Repealed by Laws 1982, ch. 61, § 2. 40-14-327. Repealed by Laws 1982, ch. 61, § 2. 40-14-328. Repealed by Laws 1982, ch. 61, § 2. 40-14-329. Repealed by Laws 1982, ch. 61, § 2. 40-14-330. Repealed by Laws 1982, ch. 61, § 2. 40-14-331. Repealed by Laws 1982, ch. 61, § 2. 40-14-332. Scope. 40-14-333. Balloon payments. 40-14-334. No assignment of earnings. 40-14-335. Attorney's fees. 40-14-336. Limitation on default charges. 40-14-337. Notice of assignment. 40-14-338. Authorization to confess judgment prohibited. 40-14-339. Change in terms of revolving loan accounts. 40-14-340. Use of multiple agreements. 40-14-341. Repealed by Laws 2021, ch. 14, § 3. 40-14-342. Repealed by Laws 2021, ch. 14, § 3. 40-14-343. Repealed By Laws 1996, ch. 86, § 3. 40-14-344. Repealed By Laws 1996, ch. 86, § 3. 40-14-345. Repealed By Laws 1996, ch. 86, § 3. 40-14-346. Repealed By Laws 1996, ch. 86, § 3. 40-14-347. Repealed By Laws 1996 , ch. 86, § 3. 40-14-348. Repealed by Laws 2021, ch. 14, § 3. 40-14-349. Repealed by Laws 2021, ch. 14, § 3. 40-14-350. Repealed by Laws 2021, ch. 14, § 3. 40-14-351. Repealed by Laws 2021, ch. 14, § 3. 40-14-352. Repealed by Laws 2021, ch. 14, § 3. 40-14-353. Repealed by Laws 2021, ch. 14, § 3. 40-14-354. Loans subject to provisions by agreement of parties. 40-14-355. Repealed by Laws 2021, ch. 14, § 3. 40-14-356. Repealed by Laws 2021, ch. 14, § 3. 40-14-357. Repealed by Laws 2021, ch. 14, § 3. 40-14-358. Repealed by Laws 2021, ch. 14, § 3. 40-14-359. Definitions; application. 40-14-360. Pawn finance charge; limits on amount financed and terms; minimum pawn finance charge. 40-14-361. Limitation on agreement and practices. 40-14-362. Definitions. 40-14-363. License required; post-dated check finance 40-14-364. Limitation on multiple agreements. 40-14-365. Right to rescind. 40-14-366. Extended payment plan; terms and conditions. 40-14-367. Notification. 40-14-368. Violations. 40-14-401. Short title. 40-14-402. Scope. 40-14-403. Definitions. 40-14-404. Creditor's provision of and charge for insurance; excess amount of charge. 40-14-405. Conditions applying to insurance to be provided by creditor. 40-14-406. Unconscionability. 40-14-407. Maximum charge by creditor for insurance. 40-14-408. Refund or credit required; amount. 40-14-409. Existing insurance; choice of insurer. 40-14-410. Charge for insurance in connection with a deferral, refinancing, or consolidation; duplicate charges. 40-14-411. Cooperation between administrator and commissioner of insurance. 40-14-412. Administrative action of commissioner of insurance. 40-14-430. Term of insurance. 40-14-431. Amount of insurance. 40-14-432. Filing and approval of rates and forms. 40-14-450. Property insurance. 40-14-451. Risk of loss or damage. 40-14-452. Liability insurance. 40-14-453. Cancellation by creditor. 40-14-454. Refund of certain credit insurance products upon prepayment; method. 40-14-501. Short title. 40-14-502. Scope. 40-14-503. Restrictions on deficiency judgments in consumer credit sales. 40-14-504. No garnishment before judgment. 40-14-505. Limitation on garnishment. 40-14-506. No discharge from employment for garnishment. 40-14-507. Extortionate extensions of credit. 40-14-508. Unconscionability. 40-14-520. Interests in land. 40-14-521. Effect of violations on rights of parties. 40-14-522. Civil liability for violation of disclosure provisions. 40-14-523. Repealed By Laws 2013, Ch. 124, § 3. 40-14-524. Refunds and penalties as setoff to obligation. 40-14-540. Willful violations. 40-14-541. Disclosure violations. 40-14-601. Short title. 40-14-602. Applicability. 40-14-603. Administrator. 40-14-604. Powers of administrator; harmony with federal 40-14-605. Administrative powers with respect to supervised financial organizations. 40-14-606. Examination and investigatory powers. 40-14-607. Applicability of Administrative Procedure Act. 40-14-608. Administrative enforcement orders. 40-14-609. Assurance of discontinuance. 40-14-610. Injunctions against violations. 40-14-611. Injunctions against unconscionable agreements and fraudulent or unconscionable conduct. 40-14-612. Temporary relief. 40-14-613. Civil actions. 40-14-614. Jury trial. 40-14-615. Debtors' remedies not affected. 40-14-616. Enforcement. 40-14-630. Applicability. 40-14-631. Notification. 40-14-632. Fees. 40-14-633. Crediting of monies. 40-14-634. License required; application; fee; conditions and execution; license nontransferable; display; renewal. 40-14-635. Revocation or suspension of license. 40-14-636. Records; confidentiality. 40-14-637. Surety bonds. 40-14-638. Mortgage call reports. 40-14-639. Report to the registry. 40-14-640. Additional definitions. 40-14-641. Loan originator licensing; registration; rulemaking. 40-14-642. Loan originator application; processing. 40-14-643. Issuance of loan originator licenses. 40-14-644. Prelicensing and relicensing education of loan originators. 40-14-645. Testing of mortgage loan originators. 40-14-646. Standards for loan originator license renewal; rulemaking. 40-14-647. Continuing education for mortgage loan originators; rulemaking. 40-14-648. Authority to require license. 40-14-649. Unique identifier; rulemaking. 40-14-701. Repealed by Laws 2021, ch. 14, § 3. 40-14-702. Repealed by Laws 2021, ch. 14, § 3. 40-15-101. Repealed by Laws 1988, ch. 98, § 2. 40-15-102. Repealed by Laws 1988, ch. 98, § 2. 40-15-103. Repealed by Laws 1988, ch. 98, § 2. 40-15-104. Repealed by Laws 1988, ch. 98, § 2. 40-15-105. Repealed by Laws 1988, ch. 98, § 2. 40-15-106. Repealed by Laws 1988, ch. 98, § 2. 40-15-107. Repealed by Laws 1988, ch. 98, § 2. 40-15-108. Repealed by Laws 1988, ch. 98, § 2. 40-15-109. Repealed by Laws 1988, ch. 98, § 2. 40-16-101. Prohibited. 40-16-102. Exceptions. 40-16-103. Penalty for violation; continuing offense; 40-17-101. Definitions; express warranties; duty to make warranty repairs. 40-17-102. Motor carrier indemnity agreements void. 40-18-101. Repealed By Laws 1998, ch. 27, § 2. 40-18-102. Repealed By Laws 1998, ch. 27, § 2. 40-18-103. Repealed By Laws 1998, ch. 27, § 2. 40-18-104. Repealed By Laws 1998, ch. 27, § 2. 40-18-105. Repealed By Laws 1998, ch. 27, § 2. 40-18-106. Repealed By Laws 1998, ch. 27, § 2. 40-18-107. Repealed By Laws 1998, ch. 27, § 2. 40-19-101. Short title. 40-19-102. Definitions. 40-19-103. Notices. 40-19-104. Application. 40-19-105. Inapplicability of other laws; exempt transactions. 40-19-106. General requirements of rental-purchase agreements. 40-19-107. Disclosures. 40-19-108. Prohibited provisions. 40-19-109. Default; notice of default and right to cure. 40-19-110. Reinstatement. 40-19-111. Liability damage waivers; fees. 40-19-112. Renegotiations and extensions. 40-19-113. Advertising. 40-19-114. License required; application for license; fee; qualifications. 40-19-115. Revocation or suspension of license. 40-19-116. Record retention. 40-19-117. Examination and investigation. 40-19-118. Powers and functions of the commissioner; enforcement; penalties. 40-19-119. Consumer civil actions. 40-19-120. Merchant's defense. 40-20-101. Short title. 40-20-102. Repealed By Laws 2006, Chapter 107, § 2. 40-20-103. Repealed By Laws 2006, Chapter 107, § 2. 40-20-104. Repealed By Laws 2006, Chapter 107, § 2. 40-20-105. Surplus parts inventory; credits. 40-20-106. Repealed By Laws 2006, Chapter 107, § 2. 40-20-107. Repealed By Laws 2006, Chapter 107, § 2. 40-20-108. Repealed By Laws 2006, Chapter 107, § 2. 40-20-109. Repealed By Laws 2006, Chapter 107, § 2. 40-20-110. Current agreements; effect of law; void provisions. 40-20-111. Repealed By Laws 2006, Chapter 107, § 2. 40-20-112. Repealed By Laws 2006, Chapter 107, § 2. 40-20-113. Definitions. 40-20-114. Violations of chapter. 40-20-115. Termination of dealer agreements. 40-20-116. Termination of dealer agreements; single line dealers. 40-20-117. Notice of termination of dealer agreement; cure 40-20-118. Death of single line dealer. 40-20-119. Reimbursement for warranty work. 40-20-120. Repurchase obligations of supplier on cancellation or discontinuance of dealer agreement. 40-20-121. Repurchase not required. 40-20-122. Remedies and enforcement. 40-20-123. Choice of remedies; exemption from tax. 40-21-101. Short title. 40-21-102. Definitions. 40-21-103. Scope. 40-21-104. Applicability. 40-21-105. Use of electronic records and electronic signatures, variation by agreement. 40-21-106. Construction and application. 40-21-107. Legal recognition of electronic records, electronic signatures and electronic contracts. 40-21-108. Provisions of information in writing; presentation of records. 40-21-109. Attribution and effect of electronic record and electronic signature. 40-21-110. Effect of change or error. 40-21-111. Notarization and acknowledgment. 40-21-112. Retention to electronic records, originals. 40-21-113. Admissibility in evidence. 40-21-114. Automated transaction. 40-21-115. Time and place of sending and receipt. 40-21-116. Transferable records. 40-21-117. Creation and retention of electronic records and conversion of written records by government agencies. 40-21-118. Acceptance and distribution of electronic records by governmental agencies. 40-21-119. Interoperability. 40-22-101. Short title. 40-22-102. Definitions. 40-22-103. License required. 40-22-104. Exemptions; applicability. 40-22-105. License requirements. 40-22-106. Bond or other security device. 40-22-107. Permissible investments and statutory trust. 40-22-108. Application for license. 40-22-109. Application fee. 40-22-110. Issuance of license. 40-22-111. Renewal of license and annual report. 40-22-112. Licensee liability. 40-22-113. Extraordinary reporting requirements. 40-22-114. Changes in control of a licensee. 40-22-115. Examinations. 40-22-116. Maintenance of records. 40-22-117. Confidentiality of records; exception. 40-22-118. Authorized delegate contracts. 40-22-119. Authorized delegate and subdelegate conduct. 40-22-120. License suspension or revocation. 40-22-121. Suspension or revocation of authorized delegates. 40-22-122. Orders to cease and desist. 40-22-123. Consent orders. 40-22-124. Civil penalties. 40-22-125. Criminal penalties. 40-22-126. Unlicensed persons; verification authority regarding exemptions. 40-22-127. Administrative procedures. 40-22-128. Hearings. 40-22-129. Rulemaking and deposit of fees. 40-23-101. Short title. 40-23-102. Definitions. 40-23-103. Powers and duties of commissioner. 40-23-104. License requirements. 40-23-105. Exemptions from license requirements. 40-23-106. Initial licensing and compliance. 40-23-107. Application for license to do business as a mortgage lender or mortgage broker. 40-23-108. Change in control of a licensee. 40-23-109. License renewal and annual report. 40-23-110. Surety bonds. 40-23-111. Examinations and investigations. 40-23-112. Records; confidentiality of records; exception. 40-23-113. Disclosure of mortgage lender fees. 40-23-114. Disclosure of mortgage broker fees. 40-23-115. Loan commitments; prepayment penalty disclosure by mortgage broker. 40-23-116. Trust accounts. 40-23-117. Prohibited practices. 40-23-118. License suspension or revocation. 40-23-119. Orders to cease and desist. 40-23-120. Consent orders. 40-23-121. Civil penalties. 40-23-122. Criminal penalties. 40-23-123. Hearings. 40-23-124. Loan originator licensing; registration; rulemaking. 40-23-125. Loan originator application; processing. 40-23-126. Issuance of loan originator license. 40-23-127. Prelicensing and relicensing education of loan originators. 40-23-128. Testing of mortgage loan originators. 40-23-129. Standards for loan originator license renewal; rulemaking. 40-23-130. Continuing education for mortgage loan originators; rulemaking. 40-23-131. Mortgage call reports. 40-23-132. Report to the registry. 40-23-133. Unique identifier; rulemaking. 40-24-101. Definitions. 40-24-102. Injunctive relief. 40-24-103. Damages. 40-24-104. Attorney's fees. 40-24-105. Preservation of secrecy. 40-24-106. Statute of limitations. 40-24-107. Effect on other law. 40-24-108. Uniformity of application and construction. 40-24-109. Short title. 40-24-110. Time of taking effect. 40-25-101. Computer trespass. 40-26-101. Short title. 40-26-102. Definitions. 40-26-103. Sale or rental. 40-26-104. Publication. 40-26-105. Inspection. 40-26-106. Entry into neighborhood. 40-26-107. Disability. 40-26-108. Residential real estate related transaction. 40-26-109. Brokerage services. 40-26-110. Sales and rentals exempted. 40-26-111. Religious organization, private club, and appraisal exemption. 40-26-112. Housing for elderly exempted. 40-26-113. Effect on other law. 40-26-114. Duties and powers of enforcing authority. 40-26-115. Complaints. 40-26-116. Cooperation with other entities. 40-26-117. Gifts and grants; fair housing fund; continuing appropriation. 40-26-118. Complaint. 40-26-119. Answer. 40-26-120. Investigation. 40-26-121. Additional or substitute respondent. 40-26-122. Conciliation. 40-26-123. Temporary or preliminary relief. 40-26-124. Investigative report. 40-26-125. Reasonable cause determination. 40-26-126. Charge. 40-26-127. Land use law. 40-26-128. Dismissal. 40-26-129. Pending civil trial. 40-26-130. Election of judicial determination. 40-26-131. Administrative hearing. 40-26-132. Administrative penalties. 40-26-133. Effect of enforcing authority order. 40-26-134. Licensed or regulated business. 40-26-135. Order in preceding five years. 40-26-136. Attorney general action for enforcement. 40-26-137. Pattern or practice case; penalties. 40-26-138. Subpoena enforcement. 40-26-139. Civil action. 40-26-140. Relief granted. 40-26-141. Effect of relief granted. 40-26-142. Intervention by attorney general. 40-26-143. Prevailing party. 40-26-144. Intimidation or interference; penalty. 40-26-145. Records exempt. 40-27-101. Trespass to unlawfully collect resource data; unlawful collection of resource data. 40-28-101. Short title; definitions. 40-28-102. Medical digital innovation sandbox waiver; 40-28-103. Medical digital innovation sandbox application; standards for approval; consumer protection bond. 40-28-104. Medical digital innovation account. 40-28-105. Operation of medical digital innovation sandbox. 40-28-106. Revocation or suspension of medical digital innovation sandbox authorization. 40-28-107. Extension of sandbox period. 40-28-108. Rules and orders; enforcement of bond; 40-29-101. Short title. 40-29-102. Definitions. 40-29-103. Financial technology sandbox waiver; 40-29-104. Financial technology sandbox application; standards for approval; consumer protection bond. 40-29-105. Financial technology innovation account. 40-29-106. Operation of financial technology sandbox. 40-29-107. Revocation or suspension of financial technology sandbox authorization. 40-29-108. Extension of sandbox period. 40-29-109. Rules and orders; enforcement of bond; 40-30-101. Definitions. 40-30-102. Acts through digital identity. 40-30-103. Impersonation of digital identity; remedies. 40-31-101. Short title. 40-31-102. Definitions. 40-31-103. Wyoming stable token commission. 40-31-104. Wyoming stable token value; limitations. 40-31-105. Powers of the commission. 40-31-106. Wyoming stable token accounts. 40-31-107. Redemption. 40-31-108. Notice of limitations. 40-31-109. Limitations on liability. 40-31-110. Bidding requirements; contract procedures. 40-32-101. Definitions. 40-32-102. Virtual currency kiosks authorized; regulation; penalty. 40-32-103. Confidentiality of records; exception.
What to do with it
As published
40-14-410. Charge for insurance in connection with a deferral, refinancing, or consolidation; duplicate charges.
(a) A creditor may not contract for or receive a separate charge for insurance in connection with a deferral (W.S. 40-14-215 or 40-14-313), a refinancing (W.S. 40-14-216 or 40-14-314), or a consolidation (W.S. 40-14-217 or 40-14-315), unless:
(i) The debtor agrees at or before the time of the deferral, refinancing, or consolidation that the charge may be made;
(ii) The debtor is or is to be provided with insurance for an amount or a term, or insurance of a kind, in addition to that to which he would have been entitled had there been no deferral, refinancing, or consolidation;
(iii) The debtor receives a refund or credit on account of any unexpired term of existing insurance in the amount that would be required if the insurance were terminated (W.S. 40-14-408); and
(iv) The charge does not exceed the amount permitted by this article (W.S. 40-14-407).
(b) A creditor may not contract for or receive a separate charge for insurance which duplicates insurance with respect to which the creditor has previously contracted for or received a separate charge.
Your wording
Your change, as a redline
40-14-410. Charge for insurance in connection with a deferral, refinancing, or consolidation; duplicate charges.
(a) A creditor may not contract for or receive a separate charge for insurance in connection with a deferral (W.S. 40-14-215 or 40-14-313), a refinancing (W.S. 40-14-216 or 40-14-314), or a consolidation (W.S. 40-14-217 or 40-14-315), unless:
(i) The debtor agrees at or before the time of the deferral, refinancing, or consolidation that the charge may be made;
(ii) The debtor is or is to be provided with insurance for an amount or a term, or insurance of a kind, in addition to that to which he would have been entitled had there been no deferral, refinancing, or consolidation;
(iii) The debtor receives a refund or credit on account of any unexpired term of existing insurance in the amount that would be required if the insurance were terminated (W.S. 40-14-408); and
(iv) The charge does not exceed the amount permitted by this article (W.S. 40-14-407).
(b) A creditor may not contract for or receive a separate charge for insurance which duplicates insurance with respect to which the creditor has previously contracted for or received a separate charge.
A proposal here is not law. Support on Solon is evidence that people want the change; the official route says what it takes to make it law.