{
  "urn": "urn:us-la:rs:9:3551",
  "title_number": "9",
  "section_number": "3551",
  "citation": "R.S. 9:3551",
  "heading": "Unconscionability",
  "text": "With respect to a consumer credit transaction, if the court as a matter of law finds the agreement or any clause of the agreement to have been unconscionable at any time it was made the court may refuse to enforce the agreement, or it may enforce the remainder of the agreement without the unconscionable clause, or it may so limit the application of any unconscionable clause as to avoid any unconscionable result; provided, however, for the purposes of this chapter, an agreement, clause, charge or practice expressly permitted by this chapter or any other law or regulation of this state or of the United States or subdivision of either, or an agreement, clause, charge or practice necessarily implied as being permitted by this chapter or any other law or regulation of this state or the United States or any subdivision of either is not unconscionable.",
  "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": "VII",
      "name": "REMEDIES AND PENALTIES"
    }
  ],
  "breadcrumb": "Title 9 › Code Preliminary Title › Code Book III › Code Title XII › Chapter 2 › Part VII",
  "acts_citations": [
    {
      "act_year": 1972,
      "act_number": 454,
      "section": 1,
      "effective_date": "1973-01-01",
      "effective_date_raw": "Jan. 1, 1973",
      "role": "enactment"
    }
  ],
  "acts_citations_raw": "Added by Acts 1972, No. 454, §1, eff. Jan. 1, 1973.",
  "source_url": "https://legis.la.gov/legis/Law.aspx?d=107660",
  "website_law_id": 107660,
  "scrape_timestamp": "2026-05-22T23:55:23Z",
  "source_html_hash": "sha256:8d8a6b13397b43f664e57b19c65642d782b53474323f3c6f6cb389517355eef1",
  "schema_version": "1.0.0"
}