in-20260916-IR-750260204IFA: Amends rules at 750 IAC 1-1-1 concerning temporary adjustments to multiple dollar amounts in consumer lending.

TITLE 750 DEPARTMENT OF FINANCIAL INSTITUTIONS Interim Final Rule LSA Document #26-204 DIGEST UNIFORM CONSUMER CREDIT CODE Amends rules at 750 IAC 1-1-1 concerning temporary adjustments to multiple dollar amounts in consumer lending. Effective September 11, 2026. Expires January 1, 2029. HISTORY Notice of Public Comment Period for Interim Rule: 20260701-IR-750260204INA Regulatory Analysis submitted with Notice of Public Comment Period for Interim Rule: 20260701-IR-750260204RAA Governor's Approval submitted with Notice of Public Comment Period for Interim Rule: 20260701-IR-750260204GAA CITATIONS AFFECTED: 750 IAC 1-1-1 SUMMARY/RESPONSE TO COMMENTS The Department of Financial Institutions (DFI) requested public comment on the proposed interim rule from July 1, 2026, through July 31, 2026. DFI received no comments in response to the Notice of Public Comment Period for Interim Rule. INTERIM RULE Sec. 1. (a) The dollar amounts in IC 24-4.5 IC 37-2, which are required to be adjusted by IC 24-4.5-1-106 IC 37-2-1-5, as amended, beginning January 1, 2025, January 1, 2027, are as follows for each of the following Indiana Uniform Consumer Credit Code sections: Amended Dollar Amounts Provisions Relating To IC 24-4.5-2-201(9) IC 37-2-3-4(i) 2,600/5,200 Graduated rate (sales) IC 24-4.5-2-201(10) IC 37-2-3-4(j) 63 66 Minimum credit service charge IC 24-4.5-2-203.5(1)(a) IC 37-2-3-6(a)(1) 21.5 22 Delinquency charge (sales) IC 24-4.5-2-407(4) IC 37-2-3-17(d) 1,290 1,320/5,200 Security interest (sales or leases) IC 24-4.5-3-201(8) IC 37-2-4-4(h) 63 66 Minimum loan finance charge IC 24-4.5-3-203.5(1)(a) IC 37-2-4-6(a)(1) 21.5 22 Delinquency charge (loans) IC 24-4.5-3-508(6) IC 37-2-4-35(f) 2,600/5,200 Graduated rate (supervised loans) IC 24-4.5-3-508(6) IC 37-2-4-35(f) 63 66 Minimum loan finance charge IC 24-4.5-3-510(2) IC 37-2-4-37(b) 5,200 Land as security (loans) IC 24-4.5-3-511(2) IC 37-2-4-38(b) 1,290 1,320/5,200 Maximum loan term IC 24-4.5-4-301(4) IC 37-2-5-14(d) 1,290 1,320 Property insurance IC 24-4.5-5-103(7) IC 37-2-6-1(g) 5,200 Deficiency judgment (b) The dollar amounts in IC 37-3, which are required to be adjusted by IC 37-2-1-5, as amended, beginning January 1, 2027, are as follows for each of the following Indiana Code sections: Amended Dollar Amounts Provisions Relating To IC 24-4.5-7-104(2) IC 37-3-2-10(b) 825 880 Principal loan amount IC 24-4.5-7-201(4) IC 37-3-3-2(d) 825 880 Graduated rate scale IC 24-4.5-7-404(3) IC 37-3-3-8(c) 825 880 Combined loan amounts (b) (c) The dollar amount change required to be adjusted by IC 24-9-2-8, IC 37-5-2-8, as amended, is as follows: Amended Dollar Amounts Provisions Relating To IC 24-9-2-8 IC 37-5-2-8 60,000 64,000 High cost home loan (c) (d) The dollar amounts set forth in IC 34-55-10-2, as amended, which are required to be adjusted by IC 34-55-10-2.5, as amended, beginning March 1, 2022, are as follows (and next subject to adjustment not later than March 1, 2028): Amended Dollar Amounts Provisions Relating To IC 34-55-10-2(c)(1) 22,750 Personal or family residence IC 34-55-10-2(c)(2) 12,100 Other real estate or tangible property IC 34-55-10-2(c)(3) 450 Intangible personal property LSA Document #26-204 Filed with Publisher: September 11, 2026, 10:48 a.m. Documents Incorporated by Reference: None Received by Publisher