537.3203  Notice to consumer.
  The creditor shall give to the consumer a copy of any writing evidencing a consumer credit transaction, other than one pursuant to open end credit, if the writing requires or provides for signature of the consumer. The writing evidencing the consumer’s obligation to pay under a consumer credit transaction, other than one pursuant to open end credit, shall contain a clear and conspicuous notice to the consumer that the consumer should not sign it before reading it, that the consumer is entitled to a copy of it, and, except in the case of a consumer lease, that the consumer is entitled to prepay the unpaid balance at any time with such penalty and minimum charges as the agreement and section 537.2510 may permit, and may be entitled to receive a refund of unearned charges in accordance with law. The following notices if clear and conspicuous comply with this section:
  1.  In all transactions to which this section applies:
NOTICE TO CONSUMER:
  [1]  Do not sign this paper before you read it.

  [2]  You are entitled to a copy of this paper.

  [3]  You may prepay the unpaid balance at any time without penalty and may be entitled to receive a refund of unearned charges in accordance with law.
  2.  In addition, in a transaction in which a minimum charge will be collected or retained, the notice to consumer shall state:
  [4]  If you prepay the unpaid balance, you may have to pay a minimum charge not greater than seven dollars and fifty cents.
[C58, 62, 66, 71, 73, §322.3(6, b); C75, 77, 79, 81, §537.3203]
2011 Acts, ch 25, §68
Referred to in §322.33, §536.13, §536A.31, §537.5201