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Utah Code § 7-15-1
This section defines key terms and sets civil liability rules for dishonored checks, including notice, collection costs, damages, and exemptions.
- Attorney fees
- Banking
- Check collection
- Check dishonor
- Checks
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Utah Code § 7-15-2
This section sets the required form for notice about a dishonored check, allows written notice by first-class postage-prepaid U.S. mail, and treats properly mailed certified or registered notice as conclusively given in specified circumstances.
- Bad checks
- Check dishonor notice
- Check notice
- Civil damages
- Civil recovery
Year unavailable
Utah Code § 7-15-3
If a financial institution’s wrongful dishonor causes liability under Section 70A-4-402, the award must include amounts already awarded against the person to the holder under Section 7-15-1 or the related depository-institution contract.
- Financial institution liability
- Wrongful dishonor
Utah Code § 7-16a-101
Title. This chapter is known as the "Automated Teller Machine Act."
Utah Code § 7-16a-102
This section defines terms used in the chapter, including automated teller machine, customer, device for access, issuer, point-of-sale terminal, and operator.
- Automated teller machines
- Banking
- Depository institutions
- Electronic information processing devices
- Merchant devices
Utah Code § 7-16a-103
This chapter does not authorize depository institutions or other persons to do transactions not otherwise permitted by applicable law, and it does not apply to certain nonpublic devices used to initiate transactions with depository institutions.
- Automated teller machines
- Credit account relationships
- Deposit account relationships
Utah Code § 7-16a-201
An ATM located in this state may be operated only by certain qualifying depository-related entities.
- Atm operation
Year unavailable
Utah Code § 7-16a-202
Powers of depository institutions operating automated teller machines -- Fees or surcharges. An operator may: make an automated teller machine available for use by customers of one or more issuers; connect the automated teller machine with
- Atm fees
- Automated teller machines
- Depository institutions
- Electronic funds transfer
- Fees
Utah Code § 7-16a-203
Certain covered institutions may vary Uniform Commercial Code requirements by contract when those requirements conflict with ATM or point-of-sale operation, but they cannot contract away responsibility for bad faith or lack of ordinary care.
- Automated teller machines
- Commercial agreement
- Commercial law
- Contractual variation
- Contractual waiver
Utah Code § 7-16a-204
Department notification requirements. Except as provided in Subsection (3) , an operator may not operate, relocate, or discontinue operating an automated teller machine unless the operator provides notice to the department in accordance
- Atm operations
- Atm placement
- Automated teller machine notices
- Automated teller machines
- Banking
Year unavailable
Utah Code § 7-17-1
This act governs the rights, duties, and liabilities of borrowers and lenders concerning reserve accounts created before or after the act’s effective date.
Utah Code § 7-17-10
Applicability of act to accounts and actions thereon. The provisions of this act shall apply: to all reserve accounts; and to all actions filed after January 1, 1979, to recover interest on or other compensation for the use of the funds in
- Actions filed
- Compensation
- Interest recovery
- Reserve accounts
Year unavailable
Utah Code § 7-17-2
This section defines terms used in the chapter, including “real estate loan,” “borrower,” “lender,” “person,” “reserve account,” “service charge,” and when a loan is “made.”
- Escrow/reserve accounts
- Financial institutions
- Loan servicing
- Real estate lending
- Reserve account administration
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Utah Code § 7-17-3
A lender with a reserve account tied to an existing or future real estate loan must, once a year as of December 31, credit interest to the account at one of the stated rates, unless a listed exception applies. A lender may not charge a service charge for administering the reserve account.
- Interest calculation
- Interest crediting
- Lending
- Loan-to-value threshold
- Real estate loan
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Utah Code § 7-17-4
If a lender does not require a reserve account, it must offer the borrower specified options and give written notice. The borrower must choose by the stated deadline, and later delinquency can trigger a reserve account unless the delinquency is cured within 30 days and there was no prior delinquency.
- Banking
- Borrower notices
- Delinquency management
- Insurance premiums
- Loan servicing
Year unavailable
Utah Code § 7-17-5
Every lender must give the borrower, or the borrower’s successors or assigns, a free itemized statement within 60 days after each calendar year ends.
Year unavailable
Utah Code § 7-17-6
A lender that administers a reserve account must timely pay taxes, insurance premiums, and other covered charges if the account has enough funds.
- Charges
- Insurance premiums
- Reserve accounts
- Tax payments
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Utah Code § 7-17-7
A lender on a real estate loan may not require reserve-account deposits above specified limits, and may use stated methods to recoup a deficiency if one is found.
- Closing charges
- Default remedies
- Deficiency recoupment
- Insurance premiums
- Loan closing reserves
Year unavailable
Utah Code § 7-17-8
A lender that violates the act is liable to the borrower for actual damages or $100, whichever is greater, unless a stated exception applies.
- Attorney's fees
- Borrower damages
- Lender liability
Year unavailable
Utah Code § 7-17-9
Actions on accounts established prior to 1979 -- Limitations on recovery. With respect to any reserve account established prior to July 1, 1979, and for which no legal action is pending as of January 1, 1979, no recovery shall be had in
- Account recovery
- Compensation claims
- Interest compensation
- Interest payments
- Reserve accounts
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