North Dakota Code § 51-14-03

Limitation of credit service charge
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In a revolving charge agreement, a seller may contract for and, if so contracted for, the 
seller or holder of the agreement may charge, receive, and collect the service charge authorized 
by this section. The service charge may not exceed the amount agreed to by the parties. In the 
event any payment by a buyer is insufficient to pay both the credit service charge and that 
portion of the outstanding indebtedness then due, the payments must first be applied to the 
credit service charge then due.

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