Gonzales v. Associates Financial Service Co. of Kansas, Inc.

The opinion of the court was delivered by

Six, J.:

This first impression consumer loan case, before us on summary judgment, focuses on K.S.A. 16a-2-401(9)(b) of the Kansas Uniform Consumer Credit Code (UCCC). K.S.A. 16a-2-401(9)(b) is not contained in the Model Uniform Act. It authorizes, *142in addition to the permitted finance charge, a nonrefundable origination fee legislatively named a “nonrefundable prepaid finance charge.”

The plaintiff, Henry Gonzales, refinanced loans with defendant Associates Financial Service Company of Kansas, Inc. (Associates) three times within a 15-month period. With…