Oklahoma Code § 14A-2-402

Title 14A. Consumer Credit Code: Use of multiple agreements
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A seller may not use multiple agreements with intent to obtain a
higher credit service charge than would otherwise be permitted by
this article or to avoid disclosure of an annual percentage rate
pursuant to the provisions on disclosure and advertising (Part 3).
The excess amount of credit service charge provided for in
agreements in violation of this section is an excess charge for the
purposes of the provisions on the effect of violations on rights of

parties (Section 5-202) and the provisions on civil actions by
Administrator (Section 6-113).

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