{
  "urn": "urn:us-la:rs:9:3522",
  "title_number": "9",
  "section_number": "3522",
  "citation": "R.S. 9:3522",
  "heading": "Maximum charges after maturity",
  "text": "In the case of a precomputed consumer credit transaction which is unpaid at contractual maturity, the rate of the loan finance charge or the credit service charge for the period beginning as of contractual maturity until payment in full may not exceed the rate of the loan finance charge or the credit service charge previously agreed to by the extender of credit and the debtor at the time the consumer credit transaction was entered into. Provided however, beginning one year after contractual maturity, the rate shall not exceed 18% per annum.",
  "status": "active",
  "hierarchy_path": [
    {
      "level": "title",
      "number": "9",
      "name": "CIVIL CODE--ANCILLARIES"
    },
    {
      "level": "code_preliminary_title",
      "number": "1",
      "name": "[BLANK]"
    },
    {
      "level": "code_book",
      "number": "III",
      "name": "OF THE DIFFERENT MODES OF ACQUIRING THE OWNERSHIP OF THINGS PRELIMINARY TITLE - GENERAL DISPOSITIONS (BLANK)"
    },
    {
      "level": "code_title",
      "number": "XII",
      "name": "OF LOAN"
    },
    {
      "level": "chapter",
      "number": "2",
      "name": "LOUISIANA CONSUMER CREDIT LAW"
    },
    {
      "level": "part",
      "number": "II",
      "name": "MAXIMUM CHARGES"
    }
  ],
  "breadcrumb": "Title 9 › Code Preliminary Title › Code Book III › Code Title XII › Chapter 2 › Part II",
  "acts_citations": [
    {
      "act_year": 1972,
      "act_number": 454,
      "section": 1,
      "effective_date": "1973-01-01",
      "effective_date_raw": "Jan. 1, 1973",
      "role": "enactment"
    },
    {
      "act_year": 1980,
      "act_number": 694,
      "section": 1,
      "effective_date": null,
      "effective_date_raw": null,
      "role": "amendment"
    }
  ],
  "acts_citations_raw": "Added by Acts 1972, No. 454, §1, eff. Jan. 1, 1973. Amended by Acts 1980, No. 694, §1.",
  "source_url": "https://legis.la.gov/legis/Law.aspx?d=107610",
  "website_law_id": 107610,
  "scrape_timestamp": "2026-05-22T23:55:23Z",
  "source_html_hash": "sha256:4ecf43749681607de43bbec3579b9d00ef7b833ccfa6707c749f5261c1eabed6",
  "schema_version": "1.0.0"
}