A high-cost credit contract must include certain mandatory information, in addition to the information that is specific to the type of credit contract in question.

Title of the contract

The title of a high-cost credit contract must contain the term “high-cost.”

Permit number

The high-cost credit merchant’s permit number must appear in the contract.

Mandatory clauses

Mandatory clauses are also required. They vary depending on the type of contract:

Other mandatory information

The contract must also contain other mandatory information, which varies depending on the type of contract. Refer to the following pages for more details on:

Signature of a contract entered into in person

The merchant must sign the contract first, then allow you to read it, have you sign it, and give you a duplicate.

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Last update : September 23, 2021

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The information contained on this page is presented in simple terms to make it easier to understand. It does not replace the texts of the laws and regulations.