Are HELOCs covered by the Oklahoma Uniform Consumer Credit Code? As I wade through the code, Article I sort of reads like they are, but Article III sort of reads like they aren't.

§3-105: Definition: Loan Primarily Secured by an Interest in Land
Unless the loan is made subject to this act by agreement (Section 3-601), and except as provided with respect to disclosure (Section 3-301) and debtors' remedies (Section 5-201), "consumer loan" does not include a "loan primarily secured by an interest in land", if at the time the loan is made the value of this collateral is substantial in relation to the amount of the loan, and the loan finance charge does not exceed thirteen percent (13%) per year calculated according to the actuarial method on the unpaid balances of the principal on the assumption that the debt will be paid according to the agreed terms and will not be paid before the end of the agreed term.

Added by Laws 1969, c. 352, §3-105, eff. July 1, 1969. Amended by Laws 1979, c. 218, §1, emerg. eff. May 30, 1979; Laws 1980, c. 32, §1, emerg. eff. Mar. 26, 1980; Laws 1980, c. 122, §3, emerg. eff. April 15, 1980