The Online Loan Agreement serves as the primary contract between lenders and borrowers in digital lending transactions within the United States. This document is essential for financial institutions and online platforms offering loans through digital channels, ensuring compliance with federal and state lending regulations. The agreement includes mandatory disclosures, electronic signature provisions, and specific terms required by U.S. law, while establishing clear rights and obligations of all parties involved.
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1. Parties: Identification of lender and borrower with full legal names and addresses
2. Background: Context of the loan agreement and purpose of the loan
3. Definitions: Key terms used throughout the agreement including defined terms from applicable regulations
4. Loan Amount and Terms: Principal amount, interest rate, payment schedule, and term of the loan
5. Repayment Terms: Payment methods, schedules, and prepayment provisions including any penalties
6. Default Provisions: Circumstances constituting default and consequences thereof
7. Representations and Warranties: Statements of fact by borrower regarding their financial situation and capacity
8. Governing Law: Applicable jurisdiction and law governing the agreement
1. Collateral: Description of security for secured loans, including valuation and maintenance requirements
2. Guarantor Provisions: Terms relating to loan guarantors and their obligations
3. Insurance Requirements: Required insurance coverage and maintenance obligations
4. Electronic Communications Consent: Consent to receive electronic notices and documents as per E-SIGN Act requirements
1. Payment Schedule: Detailed amortization table showing payment dates and amounts
2. Truth in Lending Disclosures: Federal required disclosures including APR and finance charges
3. State-Specific Disclosures: Required disclosures varying by state jurisdiction
4. Electronic Communication Agreement: Detailed terms for electronic communications and signatures
Relevant legal definitions
Agreement
Annual Percentage Rate (APR)
Application
Authorized User
Borrower
Business Day
Collateral
Default
Due Date
Electronic Communication
Electronic Signature
Event of Default
Finance Charge
Interest Rate
Late Payment Fee
Lender
Loan
Loan Amount
Loan Documents
Maturity Date
Payment Account
Payment Schedule
Personal Information
Principal
Privacy Policy
Repayment Period
Security Interest
Term
Terms and Conditions
Website
Annual Percentage Rate (APR)
Application
Authorized User
Borrower
Business Day
Collateral
Default
Due Date
Electronic Communication
Electronic Signature
Event of Default
Finance Charge
Interest Rate
Late Payment Fee
Lender
Loan
Loan Amount
Loan Documents
Maturity Date
Payment Account
Payment Schedule
Personal Information
Principal
Privacy Policy
Repayment Period
Security Interest
Term
Terms and Conditions
Website
Clauses
Loan Amount and Terms
Interest Rate and Charges
Repayment Terms
Electronic Communications
Default and Remedies
Security Interest
Representations and Warranties
Covenants
Privacy and Data Protection
Electronic Signatures
Payment Authorization
Prepayment Rights
Late Payment Provisions
Collections and Recovery
Assignment and Transfer
Notices
Amendment and Modification
Governing Law
Dispute Resolution
Severability
Entire Agreement
Force Majeure
Term and Termination
Indemnification
Consent to Electronic Disclosures
Credit Report Authorization
Interest Rate and Charges
Repayment Terms
Electronic Communications
Default and Remedies
Security Interest
Representations and Warranties
Covenants
Privacy and Data Protection
Electronic Signatures
Payment Authorization
Prepayment Rights
Late Payment Provisions
Collections and Recovery
Assignment and Transfer
Notices
Amendment and Modification
Governing Law
Dispute Resolution
Severability
Entire Agreement
Force Majeure
Term and Termination
Indemnification
Consent to Electronic Disclosures
Credit Report Authorization
Relevant Industries
Relevant Teams
Relevant Roles
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