Pennsylvania Code § 13-9201

General effectiveness of security agreement.
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(a) General effectiveness.-- Except as otherwise provided in this title, a security agreement is effective according to its terms between the parties, against purchasers of the collateral and against creditors.
(b) Applicable consumer laws and other law.-- A transaction subject to this division is subject to:
(1) any applicable rule of law which establishes a different rule for consumers;
(2) any other statute or regulation of the Commonwealth which regulates the rates, charges, agreements and practices for loans, credit sales or other extensions of credit; and
(3) any consumer protection statute or regulation of the Commonwealth.
(c) Other applicable law controls.-- In case of conflict between this division and a rule of law, statute or regulation described in subsection (b), the rule of law, statute or regulation controls. Failure to comply with a statute or regulation described in subsection (b) has only the effect the statute or regulation specifies.
(d) Further deference to other applicable law.-- This division does not:
(1) validate any rate, charge, agreement or practice which violates a rule of law, statute or regulation described in subsection (b); or
(2) extend the application of the rule of law, statute or regulation to a transaction not otherwise subject to it.

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