unconscionable conduct. 1. The administrator may bring a civilaction torestrain aperson towhom this part applies from engaging in any of the following courses of action: a. Making or enforcing unconscionable terms or provisions of consumer credit transactions. b. Fraudulent or unconscionable conduct in inducing consumers to enter into consumer credit transactions. c. Conduct of any of the types specified in paragraph “a” or “b” with respect to transactions that give rise to or that lead persons to believe they will give rise to consumer credit transactions. d. Fraudulent or unconscionable conduct inthe collection of debts arising from consumer credit transactions or from transactions which would have been consumer credit transactions ifa finance charge was made or the obligation was payable in installments. 2. In an action brought pursuant to this section the court may grant relief only ifit finds allof the following: a. That the defendant has made unconscionable agreements or has engaged in or islikely to engage in a course of fraudulent or unconscionable conduct. b. That the defendant’s agreements have caused or are likely to cause, or the conduct of the defendant has caused or islikely to cause, injury to consumers or debtors. c. That the defendant has been able to cause or will be able to cause the injury primarily because the transactions involved are credit transactions. 3. In applying subsection 1, paragraph “a”, “b”, or “c”, consideration shall be given to the factors specified in the provisions on unconscionability with respect to a transaction that is or gives rise to or that a person leads the debtor to believe will give rise to a consumer credit transaction, as provided in section 537.5108, subsection 3, among others. 4. In applying subsection 1, paragraph “d”, violations of section 537.7103 shall be considered, among other factors, as applicable. 5. In an action brought pursuant to this section, a charge or practice expressly permitted by this chapter is not in itselfunconscionable.
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