A licensee who makes a loan under this chapter that constitutes consumer credit to a covered service member or his or her dependent shall not charge the covered service member or dependent an annual percentage rate with respect to the loan except as: 1. Agreed to under the terms of the loan agreement; 2. Authorized by applicable state and federal law; and 3. Not specifically prohibited by NRS 99.050 , 675.3695 and 675.3697 .
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