ND HB1346

Amends North Dakota Century Code sections 51-13-02 and 51-13-07 regarding retail installment sales contracts that are not subject to the federal Truth in Lending Act or where sellers fail to comply with that Act.

Requires printed contracts to be in at least eight-point type with key terms in ten-point bold type, including "RETAIL INSTALLMENT CONTRACT" at the top and a mandatory notice to buyers listing their rights regarding advance payoff, property redemption, and refunds.

Mandates sellers deliver a legible copy of the contract to buyers before they take possession of personal property; buyers have an unconditional right to cancel and receive full refunds if contract delivery does not occur.

Specifies detailed contract requirements including identification of parties, property description, cash price, down payment, finance charges, payment schedule, balloon payments (defined as payments exceeding twice the regular amount), and insurance provisions.

Establishes that willful violations constitute a class A misdemeanor and bars recovery of any finance charges or delinquency charges; authorizes state attorneys and the attorney general to enforce the chapter with all remedies available under state consumer protection law.