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Consumer Banking and Payments Law: MISSISSIPPI

Miss. Code Ann. §§ 75-12-1 to 75-12-39

Date enacted: The Act was approved March 13, 2001, and effective July 1, 2001.

Uniform.

E-Sign Consumer Protections: § 7001(c)—not explicit; § 7003(b)—by restatement (§ 75-12-5(b)(4)).

Consumer Banking and Payments Law: MISSOURI

Mo. Rev. Stat. §§ 432.200 to 432.295

Date enacted: The Act was approved June 9, 2003, and effective August 7, 2003.

UETA is not uniform.

E-Sign Consumer Protections: not explicit.

Editor’s note: The statute includes no express intention to supersede E-Sign, so E-Sign’s consumer protections should still be applicable to state required writings.

Consumer Banking and Payments Law: MONTANA

Mont. Code Ann. §§ 30-18-101 to 30-18-118

Date enacted: The Act was approved March 16, 2001, and effective July 1, 2001.

Non-Uniform Sections: § 30-18-102(5): adds definition of “cryptosystem”; § 30-18-102(17): adds definition of “state agency”; omits severability clause.

E-Sign Consumer Protections: not explicit.

Consumer Banking and Payments Law: NEBRASKA

Neb. Rev. Stat. §§ 86-612 to 86-643

Date enacted: The Act was approved March 30, 2000, and effective July 1, 2000.

Non-Uniform Sections: omits uniform version’s optional governmental sections and severability clause.

E-Sign Consumer Protections: not explicit.

Consumer Banking and Payments Law: NEW HAMPSHIRE

N.H. Rev. Stat. Ann. §§ 294-E:1 to 294-E:20

Date enacted: The Act was approved July 13, 2001, and effective September 11, 2001.

UETA is uniform.

E-Sign Consumer Protections: § 7001(c), (d) and (e)—by reference (§ 294-E:3(IV)); § 7003(b)—by reference (§ 294-E:3(IV)).

Consumer Banking and Payments Law: NEW MEXICO

N.M. Stat. Ann. §§ 14-16-1 to 14-16-21

Date enacted: The Act was approved April 2, 2001, and effective July 1, 2001.

Non-Uniform Sections: omits severability clause.

E-Sign Consumer Protections: § 7001(c)—not explicit; most of § 7003(b)—by restatement (§ 14-16-3(B)(2), (3)) (omits notice of product recall).

Consumer Banking and Payments Law: NORTH DAKOTA

N.D. Cent. Code §§ 9-16-01 to 9-16-19

Date enacted: The Act was approved April 3, 2001.

Non-Uniform Sections: § 9-16-01: omits definition of “person” from uniform version; § 9-16-01(16): specifies that “writing” or “written” includes blockchain technology as defined at § 9-16-19, which was added in 2019.

E-sign Consumer Protections: not explicit.

Consumer Banking and Payments Law: PUERTO RICO

P.R. Laws Ann. tit. 10, §§ 4081 to 4096

Date enacted: The Act was effective August 8, 2006.

Non-Uniform Sections: omits section on notarization and acknowledgment; includes sections on consumer transactions (§ 4092), regulation of transactions and electronic signatures (§ 4095a), and judicial branch and legislative assembly (§ 4095e).

Consumer Banking and Payments Law: RHODE ISLAND

R.I. Gen. Laws §§ 42-127.1-1 to 42-127.1-20

Date enacted: The Act was approved and effective July 13, 2000.

UETA is uniform.

E-Sign Consumer Protections: not explicit.

Editor’s note: The statute included no express intention to supersede E-Sign, so E-Sign’s consumer protections should be applicable to state required writings.

Consumer Banking and Payments Law: SOUTH DAKOTA

S.D. Codified Laws §§ 53-12-1 to 53-12-50

Date enacted: The Act was approved February 28, 2000.

Non-Uniform Sections: § 53-12-1(8), (9): adds that “electronic record” includes a record secured through blockchain technology, and “electronic signature” includes a signature secured through blockchain technology; omits severability clause; alters optional government sections from uniform version.

Consumer Banking and Payments Law: UTAH

Utah Code Ann. §§ 46-4-101 to 46-4-503 (West)

Date enacted: The Act was approved March 7, 2000, and effective May 1, 2000.

Non-Uniform Sections: § 46-4-103(5): adds that nothing in the chapter requires any county recorder to accept for recording any instrument in electronic form. Statute also alters optional governmental sections from uniform version.

E-Sign Consumer Protections: not explicit.

Consumer Banking and Payments Law: VERMONT

Vt. Stat. Ann. tit. 9, §§ 270 to 290

Date enacted: The Act was approved May 29, 2003, and effective January 1, 2004.

Non-Uniform Sections: § 271(4): adds definition of consumer; § 281: restates language from § 101(d); § 286: adds preservation of rights and obligations; § 287: restates language from § 101(c); §288: restates language from § 101(e); § 289: procedures consistent with federal law; omits optional governmental sections.

Consumer Banking and Payments Law: VIRGIN ISLANDS

V.I. Code Ann. tit. 11, §§ 101 to 120

Date enacted: The Act was added December 23, 2003.

UETA is uniform.

E-Sign Consumer Protections: not explicit.

Editor’s note: The statute includes no express intention to supersede E-Sign, so E-Sign’s consumer protections should be applicable to state required writings.