Does the law that restricts the rate on real estate loans over 181 months (TCA 47-15-101) trump the other lending laws that permit and restrict various terms (credit card law, industrial loan & thrift, bank installment loans)?

From my limited understanding.....no one law trumps the other. You pick one law and you stick with it thru out that loan. In other words, you don't get to cherry pick the features you likes from each law and lump them into one loan. I did once hear a very well known speaker say that you didn't even necessarily have to use the same law for all your loans.....Now I don't think he was recommending that, just making a point......