Consumer Credit Forms, Instructions & Laws

Forms, licenses, information on examinations and disposition fees.

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Licensing of Mortgage Loan Originators

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Examinations

Sales Finance Disposition Fee

  • 361-A:8-a,III(c) - Disposition Fee Calculation for Balloon Contracts*:
    • February 1, 2023 through January 31, 2024, the disposition fee shall not exceed $466.95
    • February 1, 2022 through January 31, 2023, the disposition fee shall not exceed $438.45
    • February 1, 2021 through January 31, 2022, the disposition fee shall not exceed $409.77
    • February 1, 2020 through January 31, 2021, the disposition fee shall not exceed $404.11
    • February 1, 2019 through January 31, 2020, the disposition fee shall not exceed $395.02
    • February 1, 2018 through January 31, 2019, the disposition fee shall not exceed $387.65
    • February 1, 2017 through January 31, 2018, the disposition fee shall not exceed $379.68
    • February 1, 2016 through January 31, 2017, the disposition fee shall not exceed $371.87
    • January 1, 2015 through January 31, 2016, the disposition fee shall not exceed $371.61
    • January 1, 2014 through December 31, 2014, the disposition fee shall not exceed $371.31
    • January 1, 2013 through December 31, 2013, the disposition fee shall not exceed $365.82
    • January 1, 2012 through December 31, 2012, the disposition fee shall not exceed $358.30
    • January 1, 2011 through December 31, 2011, the disposition fee shall not exceed $347.19
    • January 1, 2010 through December 31, 2010, the disposition fee shall not exceed $341.72
    • January 1, 2009 through December 31, 2009, the disposition fee shall not exceed $343.09
    • January 1, 2008 through December 31, 2008, the disposition fee shall not exceed $330.53
    • January 1, 2007 through December 31, 2007, the disposition fee shall not exceed $321.53

*In January 2023, the New Hampshire Banking Department reviewed its position with respect to whether RSA 361-A:8-a, including whether the limitation on disposition fees set forth in RSA 361-A:8-a, III(c), applies to a motor vehicle lease, as defined in RSA 361-D:1, VII (“Motor Vehicle Lease”).  Based on that review, the Department’s position is that a Motor Vehicle Lease does not automatically qualify as a “balloon retail installment contract” or “balloon contract” for purposes of RSA 361-A:8-a; consequently, a Motor Vehicle Lease is not automatically subject to the limitation on disposition fees set forth in RSA 361-A:8-a, III(c).  If a Motor Vehicle Lease has a balloon payment feature, it may be subject to the limitation on disposition fees set forth in RSA 361-A:8-a, III(c), depending on the terms of the lease agreement.

Laws and Regulations

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