Andy, of course your question does not have a simple answer. The basic consumer rules are contained in the Lousiana Consumer Credit Law (LA R.S. 9:3510 et seq). If you have an auto loan, look to the Louisiana Motor Vehicle Finance Act (LA R.S. 6:969.1 et seq, Max Charges 9:969.9 et seq); for Residential Mortgage Loans (a defined term) go to the Louisiana Residential Mortgage Lending Act LA R.S. 6:1081 et seq, specifically, LA R.S. 6:1095 et seq. You need to be careful to include a choice of law provision in your promissory note as some of these statutes overlap in applicablility and the permitted charges are not identical. I hope I haven't missed any significant ones, as these are the major consumer statutes I deal with for a National Bank. Commercial loans are basically unregulated except for unconscionability and default interest rates.