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
40-23-115. Loan commitments; prepayment penalty disclosure by mortgage broker.
(a) A mortgage broker may issue a loan commitment and may furnish a lock-in of the interest rate and program on behalf of the mortgage lender when the mortgage broker has obtained a written or electronically transmitted loan commitment or lock-in for the mortgage loan from the mortgage lender on behalf of the borrower. The loan commitment issued by the mortgage broker to the borrower on behalf of the mortgage lender shall be in the same form and substance as issued by the mortgage lender and shall identify the mortgage lender by name.
(i) Repealed By Laws 2008, Ch. 76, § 2.
(ii) Repealed By Laws 2008, Ch. 76, § 2.
(iii) Repealed By Laws 2008, Ch. 76, § 2.
(iv) Repealed By Laws 2008, Ch. 76, § 2.
(b) If a prepayment penalty is a condition of the residential mortgage loan offered to a borrower, that fact shall be separately disclosed in writing to the borrower and the borrower shall agree in writing to accept that condition. The disclosure shall state that a prepayment penalty provision imposes a charge if the borrower refinances or pays off the mortgage loan before the date for repayment stated in the loan agreement. The written disclosure shall be in a form prescribed by the commissioner and shall be delivered as soon as the condition is known, but no later than the issuance of a commitment, for the mortgage loan product chosen by the borrower.
Your wording
Your change, as a redline
40-23-115. Loan commitments; prepayment penalty disclosure by mortgage broker.
(a) A mortgage broker may issue a loan commitment and may furnish a lock-in of the interest rate and program on behalf of the mortgage lender when the mortgage broker has obtained a written or electronically transmitted loan commitment or lock-in for the mortgage loan from the mortgage lender on behalf of the borrower. The loan commitment issued by the mortgage broker to the borrower on behalf of the mortgage lender shall be in the same form and substance as issued by the mortgage lender and shall identify the mortgage lender by name.
(i) Repealed By Laws 2008, Ch. 76, § 2.
(ii) Repealed By Laws 2008, Ch. 76, § 2.
(iii) Repealed By Laws 2008, Ch. 76, § 2.
(iv) Repealed By Laws 2008, Ch. 76, § 2.
(b) If a prepayment penalty is a condition of the residential mortgage loan offered to a borrower, that fact shall be separately disclosed in writing to the borrower and the borrower shall agree in writing to accept that condition. The disclosure shall state that a prepayment penalty provision imposes a charge if the borrower refinances or pays off the mortgage loan before the date for repayment stated in the loan agreement. The written disclosure shall be in a form prescribed by the commissioner and shall be delivered as soon as the condition is known, but no later than the issuance of a commitment, for the mortgage loan product chosen by the borrower.
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.